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 financial wellness 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
