Wellness Suite · legacy product
The score opens the conversation. The intervention closes the loop.
The Intervention Framework is part of our Wellness Suite — FinVeil's original product line. It remains available for existing customers and employers who want workforce financial health data alongside their payment infrastructure.
FinVeil is more than a dashboard. Every HIGH or CRITICAL alert comes with a concrete next step — a specific referral, a specific conversation, a specific tool. This is the playbook that turns at-risk employees into measurable ROI within 90 days.
The closed loop
Score → Alert → Action → Referral → Outcome.
01
Score
FinVeil computes every employee’s 0–100 stress score from payroll data after every payrun.
02
Alert
HIGH / CRITICAL scores trigger a real-time alert with the leading contributing factor.
03
Recommended action
Every alert ships with a specific next step — not a generic "intervene" line.
04
Partner referral
One-click referral to a vetted debt counsellor, EAP, or financial wellness partner.
05
Outcome tracking
Score delta is tracked over 90 days. Prove the ROI to your board.
The playbook
What to do at every risk band.
Monitor, share tools
- •Grant LoanIntel + Tax Assistant self-service access
- •Month-over-month score trend only — no referral
- •Include in the quarterly wellness communications
Coach, don’t escalate
- •Offer an opt-in financial wellness coaching session
- •Share the inflation-impact dashboard so employees see the real cost-of-living delta
- •Review again after next payrun — flag any upward trend
Schedule within 7 days
- •Confidential 1:1 within 7 days — HR manager, not line manager
- •Refer to a vetted debt counsellor or an approved EAP partner
- •Offer an earned-wage advance if cash-flow is the proximate cause
- •Enrol in the FinVeil financial wellness curriculum
Immediate action
- •Confidential 1:1 within 48 hours — bring payroll + benefits together
- •Immediate referral to a registered debt counsellor
- •Review for garnishee orders and unauthorised deductions
- •Flag for executive oversight if the same employee stays CRITICAL for 3 consecutive payruns
Run the numbers
What inaction is costing you, right now.
Intervention ROI
The cost of doing nothing.
Plug in your numbers. Every slider move shows what financial stress is draining from your P&L every year — and how fast FinVeil's Business tier pays for itself once you start intervening.
Employees at risk
150
Annual productivity loss
R 11 192 727
FinVeil payback period
3 days
Assumes 27 lost working days per at-risk employee per year (international financial wellness benchmarks) and a fully loaded daily cost of ~R2 764 at your current average salary. Growth tier list price: R12,500/month.
The referral network
FinVeil connects struggling employees to …
Every HIGH / CRITICAL alert is one click away from the right partner. You configure which vendors are approved for your workforce; we handle the routing.
Debt counsellors
NCR-registered practitioners who handle over-indebtedness reviews and negotiate restructures with creditors on the employee’s behalf.
Employee Assistance Programmes
Confidential, short-term counselling benefits. FinVeil routes HIGH / CRITICAL alerts through the employer’s existing EAP vendor.
Financial literacy providers
Short-form curricula covering budgeting, debt, retirement, and tax — delivered as digital courses or lunch-hour webinars.
Earned-wage advance providers
Regulated advance services that let employees draw against already-earned wages when cash-flow is the proximate stressor.
Outcome tracking — prove it to your board
An intervention without measurement is a ritual. FinVeil tracks every referred employee's score delta over a 90-day window and surfaces the aggregate on the app dashboard.
A typical mid-sized SA employer who starts using the framework sees a 5–8 point average score drop in 90 days, 10–14% reduction in unplanned absenteeism, and a 40× or better margin of safety on the Business tier subscription.
The /interventions app page shows every employee referred, the partner they were sent to, the intervention status (PENDING → IN_PROGRESS → COMPLETED), and the before/after score delta. One monthly export is all you need for the board pack.
Ready to close the loop?
Start free, upload a CSV, and see your first intervention plan in under five minutes.