Tendo by Tonik, the fintech arm of the Philippines’ first digital-only, credit-led bank, has officially launched its financial wellness solutions for Concentrix—the country’s largest private employer with more than 100,000 team members.
This partnership marks a major milestone for Tendo, reinforcing its position as a key tech player in the employee benefits and financial services space. Concentrix employees will now gain access to Tendo’s mobile-first platform offering a full suite of smart financial tools: salary-deducted loans, budget coaching, and high-yield savings—all designed to be fast, transparent, and stress-free.
Built for scale, Tendo’s platform is already integrated with over 180 companies nationwide, giving hundreds of thousands of employees access to responsible credit and savings tools directly tied to payroll systems.
“Financial wellness is the next frontier of employee engagement,” said Kacper Marcinkowski, CEO of Tendo by Tonik. “By embedding finance into the flow of work, we’re reducing friction and putting meaningful tools into the hands of workers—right when they need it.”
Tendo’s platform addresses three key enterprise pain points:
- Workforce Retention & Engagement – Financial stress is a top contributor to employee churn. Tendo’s solutions help reduce that burden.
- Recruitment Advantage – Companies offering smart financial tools stand out in a competitive hiring market.
- Lending Operations Modernization – Fully digital loan processing and disbursement built for today’s mobile-first employees.
Tendo also leverages Tonik Digital Bank’s AI-driven underwriting engine and robust risk models to enable efficient, scalable lending without compromising on compliance or financial responsibility.
“At Concentrix, we’re always looking for tech-driven ways to support our people’s total wellbeing,” said Hazel Banas, VP for People Solutions at Concentrix Philippines. “Tendo’s platform gives our game-changers more secure, responsible ways to manage their finances—aligned with how they already live and work.”
The collaboration is expected to further boost Tonik’s user acquisition and revenue growth, tapping into the Philippines’ large, underserved consumer finance market. It also signals increasing demand for fintech innovations that go beyond banking—and into embedded, employer-led financial ecosystems.
About Tendo by Tonik
Tendo by Tonik is a digital-first employee benefits and financial wellness platform regulated by the SEC and BSP. A licensed affiliate of Tonik Digital Bank, Tendo brings enterprise-grade solutions to companies looking to empower their workforce with accessible credit and financial tools. Learn more at https://tendopay.ph.
