The Ekam operating platform
One control layer for workplace finance.
Give employees access to financial services while the organisation keeps control of eligibility, approvals, salary-cycle rules, integrations and reporting.
01Configure access
02Route approvals
03Connect systems
04Measure usage
Organisation ConsoleSecure workspace
OrganisationWorkplace Finance Console
Product accessLive controls
Loan Marketplace
Earned Wage Access
Investments
Insurance
TodayOperational pulse
✓
12 approvals completedAcross enabled workflows
!
4 exceptions to reviewAwaiting organisation action
↗
Reports readyLatest cycle available
Organisation-level controlsEmployee-facing experience
A platform, not a collection of tools
Four operating layers keep Ekam manageable.
Clear roles from access and approvals to integration and visibility.
ACCESS
Products · EligibilityConfigure
Turn services on or off and define who can use them.
→
CONTROL
Approvals · PoliciesGovern
Apply approval levels, limits and operating rules where required.
→
CONNECT
HRMS · API · FilesIntegrate
Sync data and workflows through HRMS, APIs or practical file operations.
→
VISIBILITY
Analytics · ReportsMeasure
Track activity, transactions, approvals and reports in one place.
Configuration cockpit
Set the rules once. Run the programme with clarity.
Every organisation can operate Ekam differently. Administrators can control product access and salary-linked settings without turning each change into a technology request.
01
Choose what is live
02
Define who is eligible
03
Set salary-cycle controls
Organisation configurationProduct & policy controls
All changes savedProductsEligibilityApprovalsSalary cycle
E
Earned Wage AccessSalary-linked employee access
ApprovalEnabled
Deduction date01 / Monthly
Withdrawal windowActive
Employee statusActive only
L
Loan MarketplaceLive
G
InvestmentsLive
I
InsuranceOff
Controls apply at organisation level
Governance by design
Oversight where you need it. Less friction where you do not.
Approval journeys can be introduced for the workflows that require employer control, with clear ownership at each step.
L1–L3Configurable levels
Role basedAction ownership
VisibleExceptions & status
Approval laneEWA request · ₹18,500
In progress01
EMPLOYEERequest submitted
Completed02
L1 · HREmployment verified
Approved03
L2 · FINANCEReview in progress
Reviewing04
PLATFORMFinal action
QueuedIntegration layer
Fit Ekam into the systems you already run.
Use APIs and HRMS connectivity where automation makes sense, while retaining a practical operating path for file-based or manual processes.
INPUTS
HR
API
CSV
HRMSEmployee & employment data
Enterprise APIsSystem-to-system workflows
File operationsSimple operational fallback
OPERATING LAYEREmerald
Ekam
Ekam
IdentityRulesApprovalsReporting
EXPERIENCES
ORG
EE
REP
Organisation portalControls, approvals & reports
Employee portalProducts, journeys & status
Operational reportsExports & business visibility
API-readyHRMS-compatibleFile fallbackOrganisation-specific configurationConfigurable approvalsProduct enable / disableSalary-cycle controlsReporting & exports
Organisation intelligenceSeptember overview
LivePlatform activityLast 8 weeks
UsageTransactionsApprovalsExports
Operational visibility
See the programme as an operator—not just as a user.
HR, finance and authorised administrators get a clearer view of activity across the organisation, without piecing together separate reports.
01
Know what employees are using
02
Know what needs attention
03
Take the data with you
E
Built to be operated
Employee financial wellness is only useful when the organisation can run it well.
Ekam brings products, controls, workflows, integrations and visibility into one workplace operating layer.