About Salutem
As a national care provider, Salutem operates in a sector defined by tight margins, rising living costs and ongoing workforce pressure. This meant they needed to...
- Support colleagues struggling with rising essential costs
- Reduce reliance on overdrafts, high cost credit, and informal borrowing
- Deliver measurable engagement, not a low usage wellbeing add on
Most workplace financial wellbeing tools see single digit adoption. Salutem required something that colleagues would actually use, consistently, at scale.
The impact of Stream
Stream has moved financial wellbeing from policy to practice across Salutem’s workforce.
- Habitual engagement, not occasional usage
logging in an average of 11.2 times per month - Structured pay flexibility
using flexible pay for essential spending such as bills and groceries - Resilience building through savings
with over £271,551 collectively saved - Access to fairer credit
Members accessed affordable loans, saving an average of £551 compared to alternative lending - Benefits Unlocked
Support to identify and claim benefits entitlements that colleagues may be missing out on
This is not just engagement. It is behaviour shift:
- Colleagues tracking earnings in real time
- Using structured flexibility instead of expensive alternatives
- Moving from short term strain to active savings
- Accessing support they would otherwise miss
For Salutem, financial wellbeing is no longer a reactive conversation between HR and individuals in crisis. It is embedded infrastructure that supports stability across the workforce.
What colleagues are saying
"I find it so helpful being able to use part of my salary. Since starting my new job and budgeting for a 28 day pay packet, I found it difficult to adjust financially. Stream has taken a great weight off my mind."
"I'm more aware of how much I'm spending. I'm likely to work for Salutem for longer. I feel like I can focus more on doing a good job at work, and I sleep better at night."
Stream has become an integral part of Salutem's culture of care. By providing accessible financial tools and support, Salutem is helping their workforce achieve greater financial stability, reduced stress, and improved focus at work.
The partnership demonstrates that when employers invest in their people's financial wellbeing, everyone benefits: colleagues feel valued and supported, retention improves, and the quality of care can flourish.
