ABSTRACT Employee financial wellness programs (EFWPs) are a new practice that may promote financial inclusion by making it easier for workers with low- and moderate-incomes (LMI) to access financial services. We examine the strengths and limitations of workplace financial counseling, credit-building services, and small-dollar loans, and describe community collaboration to promote employee financial wellness. Findings suggest that these services are reaching a population that experiences financial exclusion, though evidence is mixed concerning how these services help workers with LMI resolve key financial challenges. Community collaboration focused on employee financial wellness presents opportunities to advocate for higher wages and better benefits.

中文翻译：

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员工财务健康计划：促进普惠金融的机会？

摘要 员工财务健康计划 (EFWP) 是一种新的做法，可以通过让中低收入 (LMI) 的工人更容易获得金融服务来促进金融包容性。我们研究了工作场所财务咨询、信用建设服务和小额贷款的优势和局限性，并描述了促进员工财务健康的社区合作。调查结果表明，这些服务正在覆盖经历金融排斥的人群，尽管关于这些服务如何帮助 LMI 工人解决关键财务挑战的证据不一。专注于员工财务健康的社区合作为倡导更高的工资和更好的福利提供了机会。