BorrowLoan Marketplace
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The Ekam product ecosystem
One workplace platform. More ways to support financial life.
From borrowing and salary-linked access to investing, protection and everyday savings, Ekam brings a broad financial-services ecosystem into one familiar workplace destination.
Loans firstEmployer-enabled accessOne connected account
Emerald EkamFinancial services, organised around people
6 service areas
AccessEWA & Payroll
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GrowInvestments
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ProtectInsurance
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SaveRewards & Gift Cards
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UseEveryday Services
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A broader financial toolkit
Organised by what people are trying to do.
Instead of presenting a wall of products, Ekam groups financial services around three practical needs: access money, build resilience and get more value from everyday spending.
01
Access money
Liquidity when timing matters.
Borrow through a wider lender ecosystem or use salary-linked services enabled by the employer.
02
Build resilience
Move from access to progress.
Give employees a route into investing and protection without leaving the Ekam ecosystem.
03
Everyday value
Make the platform useful between major financial decisions.
Rewards, gift cards and everyday services create recurring reasons to return.
Loan Marketplace
A wider borrowing ecosystem, presented through one front door.
Ekam can surface multiple borrowing categories without turning the employee experience into a maze of lender sites and disconnected forms.
Personal LoansBusiness LoansGold LoansHome LoansLoan Against Property
Explore an employer deployment →
Loan discovery50+ lender relationships
01Choose a needStart from the borrowing category
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02Share interestComplete the relevant journey
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03Track progressKeep status visible in Ekam
PersonalSecuredBusinessHome
Workplace-native liquidity
Salary-linked products belong closer to the employer workflow.
EWA and Payroll Funding sit differently from marketplace lending. They can be configured around organisation rules, salary cycles and approved operating flows.
Earned Wage Access
Eligible employees can access a portion of earned salary before payday, within employer-defined availability.
LimitsWindowsApprovalsDeductions
Payroll Funding
Support payroll requirements through an organisation-level finance workflow with dedicated product controls.
EligibilityCycleFundingReporting
Investments & protection
Products for what comes after the immediate need.
Once the platform is useful for access and everyday finance, Ekam can also become a route into longer-term financial participation.
Investments
Digital Gold
Buy and sell digital gold through an integrated Ekam journey with holdings and activity kept visible to the customer.
Buy · Sell · TrackMutual Funds
Discover curated schemes and express interest through Ekam.
Insurance
Surface relevant protection products alongside the rest of the employee financial ecosystem.
Protection layerEveryday value
Not every reason to return should start with a financial need.
Rewards and utility services make Ekam useful in lighter, more frequent moments — helping the platform stay relevant between borrowing, investing or protection decisions.
Spend smarter
Gift Cards
Digital vouchers and redemption journeys across participating brands.
Recognise & engage
Rewards
Configurable value for employee and partner engagement models.
Daily utility
Bill Payments & Services
Extend Ekam into practical financial tasks used throughout the month.
The value of the ecosystem
Different services. One Ekam relationship.
The product mix can evolve without asking employees to relearn the platform each time. New services can sit inside the same account, navigation and workplace context.
My EkamFinancial activity
All servicesLoan MarketplaceOffer generated
ViewDigital GoldHolding updated
OpenGift CardReady to redeem
RedeemBring the ecosystem to work
Choose the product mix that fits your organisation.
Ekam can bring multiple financial-service journeys together without making every organisation launch every product at once.