Rain

Financial stress is the turnover driver most employers aren't measuring. Not bad management. Not lack of growth. Financial stress. Employees who can't cover rent before payday take second jobs. They miss shifts. They disengage. And eventually they leave, often before their employer ever connects the dots. The data makes the cost hard to ignore. Employees spend an average of 3.3 hours per week dealing with personal finances at work. That's an 8% productivity loss. 56.6% say they'd stay longer if their employer offered faster access to pay. Nearly 1 in 4 have missed work or arrived late because of financial stress. The fix isn't a raise. It's removing the gap between when employees earn their wages and when they can actually use them. That's what earned wage access does. And it costs employers nothing. See how Rain works for employers. https://lnkd.in/etTvH8Mu #EarnedWageAccess #EmployeeRetention #HRLeaders #WorkforceFinancialHealth #FrontlineWorkers

We are pleased to announce that Aptia Group has added Rain to its Amplify Partners. Aptia administers benefits for thousands of U.S. employers. Through their AptiaOne platform, Aptia clients can now access Rain through simplified contracting, seamless integration and embedded engagement content, with no additional IT burden, no workflow disruption. For HR and benefits leaders, that means one less barrier between your workforce and financial stability. Financial stress costs employers more than they realize. Absenteeism, turnover, unfilled shifts aren't culture problems. They're cash flow timing problems. Rain gives employees on-demand access to wages they've already earned, plus tools to build lasting financial health. Employers who deploy Rain see 35% lower hourly turnover, 17+ additional hours worked per employee per month and a 2x increase in job applicants when Rain is featured in recruiting materials. Zero cost to the employer. No payroll disruption. Six data fields to deploy. If you're an Aptia client, this just got a lot easier to bring to your workforce. 🔗 https://lnkd.in/ef3X8swh #EarnedWageAccess #FinancialHealth #EmployeeBenefits #WorkforceWellness #HRLeadership #TotalRewards #EmployerBenefits #Aptia #Rain

I've spent years on the outside of rooms like the one I was in Wednesday. As a vendor in the HR and benefits space, you get used to a certain dynamic. You prepare your talking points, you hope for a few minutes of someone's attention, and you try to make the most of whatever access you're given. Yesterday was different. I had the privilege of moderating a boardroom session at the Gartner Minneapolis CHRO Executive Summit, sitting in a room with some of the most thoughtful HR leaders I've encountered. I didn't have to prepare slides or do a "pitch". I instead got to listen to an honest conversation about whether the financial wellness benefits we're offering employees are actually changing their lives, or just checking boxes on a benefits brochure. The candor in that room was refreshing, with leaders sharing what isn't working as freely as what is, admitting they don't have all the answers and pushing each other to think differently. And then Kamy Scarlett, Senior EVP and Chief HR Officer at Best Buy, closed out the day with a session on authenticity and transparency in leadership that I'm still thinking about. She did not talk at the room. She talked with it. The kind of leadership presence that makes you want to go back to your own organization and do better. I started the day reminding the room that I was a vendor in a space designed to keep vendors out of the conversation. I meant it as a disclaimer. I left realizing it was actually a gift. I'm Grateful to the Gartner and Minneapolis communities and to every leader who showed up and welcomed me to the conversation.

We just got back from an action packed CHRO Summit in Minneapolis full of conversations with some of the best HR leaders in the midwest. And on the way home, one thing kept coming back to us: the people in this field do not get nearly enough credit. Our VP of HR Nancy Gutwein, SPHR puts it simply: "I want to create environments where people are able to bring their best selves to work." That is why HR exists. And it is why we built Rain. Happy International HR Day to our team Kate Meakem Hartford, Nancy Gutwein, SPHR, Michelle Sheridan, Tamara Sheehan, SHRM-CP, Manuel Navarro, Michael Stroh, Grace Guthrie, Cecilia Cabrera! To all the HR leaders, people ops teams, and benefits pros out there - you make it possible for everyone else to show up at their best. #InternationalHRDay #HRLeadership #PeopleOps #EmployeeBenefits

Most employees who turn to payday loans aren't doing it because they're bad with money. They're doing it because their paycheck hasn't arrived yet. A typical two-week payday loan carries an APR of nearly 400%, according to the CFPB. That's the cost of a timing problem. And it doesn't stay at home. 75% of employees say financial stress affects their motivation at work. 23% have missed work or shown up late because of it. Earned wage access gives employees the ability to access wages they've already earned, before payday. No loans. No interest. No debt traps. Just a better option before the crisis hits. For HR leaders, that distinction matters a lot. We wrote about what separates EWA from payday loans, and what to look for in a provider if you're evaluating options. https://lnkd.in/eJaJ3Sbu #EarnedWageAccess #EmployeeBenefits #HRLeadership #FinancialHealth #WorkforceWellness

EWA is table stakes now. The question payroll and total rewards leaders are asking in 2026 isn't "should we offer it?" It's "what comes after it?" Our CEO Alex Bradford breaks down why the category has moved from transactional wage access to financial health infrastructure, and what that means for employers who are evaluating vendors right now. The piece covers: - Why "financial wellness" and "financial health" aren't the same thing - What live AI-driven tools actually look like vs. a benefits library - Why payroll leaders are increasingly the right person to own this evaluation - The one question worth asking every vendor Read it here: https://lnkd.in/eWC9GEHG #EarnedWageAccess #FinancialHealth #EmployeeBenefits #TotalRewards #PayrollLeadership #HRTech #WorkforceWellbeing

The payroll function is getting smarter. Workday, SAP, Rippling and others are all moving toward agentic AI, systems that don't just process data but act on it. Most of that investment is pointed at employers. Faster processing, smarter compliance, cleaner reconciliation. But here's the question no one is asking: what does any of this do for the person whose paycheck lands at the end of the cycle? That's the question we built Rain to answer. EWA was never a benefits problem. It's a payroll problem. It runs on payroll data, integrates with your HCM and timekeeping systems, and has to reconcile cleanly at the end of every pay cycle. When you treat it that way, something becomes possible that isn't with a bolt-on app: an AI agent that anticipates cash flow gaps before they happen, using the richest financial data set available — payroll. Rain is the first AI Financial Health Platform built for the hourly workforce. We're at Payroll Congress this week. Come see us at booth #905. https://lnkd.in/ePrNrvnG #PayrollCongress #EarnedWageAccess #FinancialHealth #AIPayroll #HRTech #WorkforceWellbeing 

75% of employees say financial stress hurts their motivation at work. 83% of HR leaders say it's damaging productivity. And yet most AI financial wellness tools still do the same thing: surface information and wait for employees to act on it. The problem was never awareness. Employees know they're financially stressed. The gap is between insight and action, and that gap is where financial stress lives. Autonomous agents work differently. They monitor conditions, detect risk, and take action on the employee's behalf before a problem becomes a crisis. No login required. No to-do list generated. Just fewer financial emergencies showing up on your production floor. We wrote about what actually separates a genuine agentic system from a well-branded chatbot, and what HR leaders should ask before their next vendor conversation. Read more about this here: https://lnkd.in/eqBtbAc9 #EmployeeFinancialWellness #WorkforceProductivity #HRTech #EarnedWageAccess #FinancialHealth

Rain will be exhibiting at Payroll Congress, payroll’s premier event bringing together payroll professionals, technology leaders and solution providers to explore the latest in compliance, innovation and workforce strategy. Visit us at Booth #905 and book time with our team to see how Rain can elevate your payroll experience with out financial health platform that includes Earned Wage Access (EWA). Our EWA solution enhances your payroll offering by giving employees greater financial flexibility while helping your organization to reduce turnover and improve employee satisfaction. We can't wait to see you there! Cali Nehrlich Jen Terrell Boris Shekhman Chris Rivero Kelly Christy Marvin Sims III Zachary Beaver Cassie Constant Sarah Vincent Elizabeth McAlpin Kaitlyn Pearsall Dana Poole Jordan Sligar

Most total rewards packages cover compensation, health care and retirement. But 75% of employees say financial stress is hurting their motivation at work. That stress doesn't show up on an enrollment form. It shows up on the floor, at the front desk, on the schedule as missed shifts, disengagement and turnover. The gap in most total rewards strategies isn't the benefits themselves. It's that none of them address what's already costing employers $1.1 trillion a year in lost productivity. Financial health isn't a nice-to-have addition to the benefits package. It's the piece that makes the rest of it work. When employees aren't worried about making rent, they show up. They stay. They perform. Read more in our latest blog → https://lnkd.in/e-yGv_wb #TotalRewards #EmployeeBenefits #FinancialHealth #EmployeeRetention #HRLeaders #WorkforceWellness #Rain