An insights-forward conclave - What a way to cap off another year of milestone employee wellness delivered to our partner businesses! Refyne Spectrum blazed the thought leadership trail to improve India’s workplaces!Refyne’s yearly offshore sojourn - Spectrum -...

We started Refyne with a mission to help the people of India understand financial wellness and how they can achieve it within their existing means. As a country with a workforce of several hundred million, India is an untapped, prime market for developing innovative...

Where 5 o’clock is still quitting timeIf there’s anything that the Pandemic of 2020 taught us, it is resilience. From some of the prominent VCs who emphasized inculcating a culture of resilience to the new-age wellness gurus who shared coping hacks, it seemed like the...

On a road trip, often times it’s all about the journey and not the final destinationThe generation that’s just entering the workforce, dubbed Gen Z, has grown up surrounded by not only a plethora of choices but almost everything they could need readily available on an...

Plugging in the on-demand feature to the pay model for employeesHow often do we find ourselves wishing payday would come a couple of days earlier? Eyeing a big purchase and finding ourselves just a bit short? Salary On-Demand aims to solve these problems as well as...

The average monthly income in India is 16,211 rupees. This means that the average Joe daily struggles with fluctuations, global pandemics, and rising inflation. Many struggle to make ends meet and are unprepared for unexpected emergencies. It adversely affects their...

Working together, several sensors can paint a fairly complete picture of your daily activity, with implications for your privacyThe advent of technology has led to significant change in the way we work. With several processes being entirely automated, technological...

As with any emerging service there are a lot of questions surrounding Salary On-Demand.While it’s quite easy for an employee to see how it benefits them and ask their employer to implement the product, it can be a lot harder for organizations & HR leaders to take that...

Conserving human capital amidst the Great AttritionWhat if there were a simple way of increasing employee morale as well as retention? What if it also promotes better financial health among employees? All this can be implemented with zero effort from the employer’s...

IntroductionIndian fintechs raised $9 billion in 2021. The funding came with the promise of innovation, with the promise of building models which haven’t been built before to serve customers’ needs that have not been addressed. But while dealing so closely with money...

Most of the Indian population falls under the category of “aspirers”. They make 90,000 and 200,000 rupees per year and often struggle to deal with crises, medical expenses, and other financial struggles. While this takes a toll on their personal lives and mental...

You simply have to collect and develop a certain number of skills as the years tick byOn-Demand Pay, Accrued Wage Access, Income Streaming. Salary On-Demand is known by those and many other names. Regardless of what term you choose to use it’s clear to see Salary...

Get yourself organised and get more things doneSalary On-Demand allows employees to retrieve their real-time earned pay as when they need it, a system that’s beneficial to both employees and employers. Salary On-Demand provides employees with a far greater degree of...

Tackling hurdles posed by credit scoring & steep interest ratesOver the recent years, a growing number of Indians have been using payday loans to cover regular expenses. A survey by NIRA, a consumer finance company in India, noted over the last year 77% of India’s...

On-demand pay is the new tool for the art of financial planningSalary On-Demand gives you complete control and flexibility to use your earned pay as you see fit. Think of it as an on-demand feature plugged in to retrieve your real-time earned salary.With Refyne your...