Even when employees are fairly paid, financial stress can quietly undermine productivity, engagement, and morale. In this conversation Craig Raath, Group Director of Business Development at 21st Century, unpacks the hidden costs of financial strain in South African workplaces and shares practical strategies employers can implement to support their teams.

From Earned Wage Access to payroll-linked savings and just-in-time financial coaching, Craig explains how employers can build resilience and reduce stress without simply raising salaries. Learn how these interventions not only improve employee wellbeing but also drive productivity, reduce absenteeism, and strengthen business performance. Kaya FM

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