The science of turning paychecks into progress
The only on-demand pay platform using scientific research to achieve real results for employees, and true ROI for employers.
Recent work by Even’s research team
Key findings from external research
40%
of Americans don’t have even $400 in emergency savings1
46%
of employees say that financial challenges cause them the most
stress in their lives2
$3.3M
The productivity cost impact of financial stress is $3.3M per year for an employer with 10,000 employees2
Categories
Our research database
Poverty Impedes Cognitive Function
August 2019
Financial Stress ·
Science
CFPB Data Point: Credit Card Revolvers
July 2019
Borrowing ·
Consumer Financial Protection Bureau
2019 Pay Experience Report
June 2019
Business Impact ·
Ceridian
Report on the Economic Well-Being of U.S. Households in 2018
May 2019
Financial Wellness ·
Federal Reserve
2019 Modern Wealth Survey
May 2019
Financial Wellness ·
Schwab
Short-term financial stability: A foundation for security and well-being
April 2019
Planning ·
The Aspen Institute
Fogg Behavior Model
January 2019
Behavioral Science ·
behaviormodel.org
Employee Financial Wellness Survey: 2019 Results
2019
Business Impact ·
PriceWaterhouseCoopers
U.S. Financial Health Pulse: 2018 Baseline Survey
November 2018
Financial Wellness ·
Financial Health Network
2018 Employer Financial Wellbeing Survey
November 2018
Business Impact ·
EBRI
Money in the Bank? Assessing Families' Liquid Savings using the Survey of Consumer Finances
November 2018
Saving ·
Federal Reserve
How Life Events Affect Financial Wellbeing
October 2018
Financial Wellness ·
Fidelity
Benefits and Beyond: How Employers Think About Financial Wellness
June 2018
Business Impact ·
Prudential
Payday Loans and Deposit Advance Products: A Whitepaper of Initial Data Findings
April 2018
Borrowing ·
Consumer Financial Protection Bureau
Gallup Global Financial Health Study
2018
Financial Wellness ·
Gallup
Payday, Vehicle Title, and Certain High-Cost Installment Loans
October 2017
Borrowing ·
Consumer Financial Protection Bureau
Financial Well-Being in America
September 2017
Financial Wellness ·
Consumer Financial Protection Bureau
Changes in U.S. Family Finances from 2013 to 2016: Evidence from the Survey of Consumer Finances
September 2017
Financial Wellness ·
Federal Reserve
Financial Stress and the Bottom Line
September 2017
Financial Stress ·
PriceWaterhouseCoopers
CFPB Data Point: Student Loan Repayment
August 2017
Borrowing ·
Consumer Financial Protection Bureau
Employee Financial Health: How Companies Can Invest in Workplace Wellness
May 2017
Business Impact ·
Financial Health Network
Are American Families Becoming More Financially Resilient?
April 2017
Financial Wellness ·
The Pew Charitable Trusts
The Financial Diaries: How American Families Cope in a World of Uncertainty
April 2017
Financial Stress ·
U.S. Financial Diaries
Employee Financial Wellness Programs: A Review of the Literature and Directions for Future Research
January 2017
Business Impact ·
Center for Social Development
What Resources Do Families Have for Financial Emergencies?: The Role of Emergency Savings in Family Financial Security
November 2016
Saving ·
The Pew Charitable Trusts
Tools for Savings: Using Prepaid Accounts to Set Aside Funds
September 2016
Saving ·
Consumer Financial Protection Bureau
Paychecks, Paydays, and the Online Platform Economy
February 2016
Planning ·
JPMorgan Chase
Consumers' Use of Overdraft Protection
November 2015
Borrowing ·
Federal Reserve
The Role of Emergency Savings in Family Financial Security
November 2015
Saving ·
The Pew Charitable Trusts
Nielsen: Even Many High Earners Live Paycheck To Paycheck
August 2015
Planning ·
Nielsen
Saving, Spending and Living Paycheck-to-Paycheck in America
July 2015
Financial Wellness ·
Nielsen
Survey of American Family Finances
June 2015
Financial Wellness ·
The Pew Charitable Trusts
Weathering Volatility: Big Data on the Financial Ups and Downs of U.S. Individuals
May 2015
Planning ·
JPMorgan Chase
Stress in America: Paying with our Health
February 2015
Financial Stress ·
American Psychological Association
Financial Well-Being: The Goal of Financial Education
2015
Financial Wellness ·
Consumer Financial Protection Bureau
Savings Horizons
2015
Saving ·
U.S. Financial Diaries
Recurrent Overdrafts: A Deliberate Decision by Some Prepaid Cardholders?
October 2014
Borrowing ·
Federal Reserve
CFPB data point: Checking Account Overdraft
July 2014
Borrowing ·
Consumer Financial Protection Bureau
Overdrawn: Persistent Confusion and Concern over Bank Overdraft Practices
June 2014
Borrowing ·
The Pew Charitable Trusts
Data Point: Medical Debt and Credit Scores
May 2014
Borrowing ·
Consumer Financial Protection Bureau
CFPB Data Point: Payday Lending
March 2014
Borrowing ·
Consumer Financial Protection Bureau
Conversations About Personal Finance More Difficult Than Religion and Politics, According to New Wells Fargo Survey
February 2014
Financial Stress ·
Wells Fargo
Financial Literacy, Financial Education and Downstream Financial Behaviors
January 2014
Financial Wellness ·
Management Science
CFPB Study of Overdraft Programs
June 2013
Borrowing ·
Consumer Financial Protection Bureau
How Borrowers Choose and Repay Payday Loans
February 2013
Borrowing ·
The Pew Charitable Trusts
Spikes and Dips: How Income Uncertainty Affects American Households
February 2013
Planning ·
U.S. Financial Diaries
Why Assets Matter: An Overview of Research on Assets and their Effect on Financial Stability and Economic Opportunity
2013
Saving ·
Corporation for Enterprise Development
There are significant business costs to replacing employees
November 2012
Business Impact ·
Center for American Progress
Payday Lending in America: Who Borrows, Where They Borrow, and Why
July 2012
Borrowing ·
The Pew Charitable Trusts
Overdraft America: Confusion and Concerns About Bank Practices
May 2012
Borrowing ·
The Pew Charitable Trusts
Financial Stress and Absenteeism: An Empirically Derived Model
2003
Financial Stress ·
Journal of Financial Counseling and Planning
