In a world where financial stability directly impacts workplace performance and employee satisfaction, the collaboration between HARMONY – The HCM Platform and Neem Paymenow is a beacon of innovation and care. Together, these two leading platforms are redefining how businesses in Pakistan support their workforce, creating a financial safety net that fosters well-being and productivity.

Bringing relief to Pakistan’s salaried segment together

With over 60 million employed workers in Pakistan, many face financial challenges between paydays, particularly in sectors like retail, healthcare, and logistics. Rising living costs and unexpected expenses often push employees toward high-interest loans, trapping them in cycles of debt.

This is where HARMONY, Pakistan’s fastest-growing HCM platform and Neem Paymenow, a Shariahcompliant earned wage access platform, come together to make a difference. By seamlessly integrating Neem Paymenow’s Platform into HARMONY’s comprehensive employee lifecycle management platform, businesses can offer their employees access to earned wages before payday—without disrupting payroll cycles or company cash flow.

What This Partnership Brings to the Table

1. Financial Flexibility for Employees

Together, Neem Paymenow and HARMONY – The HCM Platform are fostering a collaborative approach to addressing the financial challenges faced by Pakistan’s salaried workforce. This partnership brings a holistic solution that enhances employee well-being, boosts financial literacy, and strengthens organizational support systems. This joint effort represents a significant step toward creating a more inclusive, supportive, and financially stable ecosystem for employees and businesses alike.

2. Seamless Integration for Businesses

HARMONY- The HCM Platform, trusted by top organizations such as Unilever, GSK, Hoechst Pak Ltd, Atlas Honda, US Group, Nishat Mills, TCS, DHL, Bank Al Habib and MCB, empowers businesses to manage everything from recruitment to retirement. This partnership allows companies to elevate their employee benefits program by providing Shariah-compliant earned wage access in HARMONY’s compensation benefits module with zero implementation costs.

Building a Legacy of Care

The heart of this collaboration lies in its impact on employee wellbeing and financial wellness. Employees are more than just resources—they are the backbone of any organization. Financial stress not only affects their personal lives but also their productivity. By offering an earned wage access in HARMONY, companies can demonstrate genuine care for their workforce, leading to:

• Improved employee retention
• Higher morale and engagement
• Increased productivity

At Sofcom, we believe in empowering businesses with solutions that drive both organizational success and employee well-being. HARMONY’s integration with Neem Paymenow reflects our commitment to enhancing the employee experience through innovative HR technology, enabling organizations to prioritize financial wellness as a core aspect of their talent management strategies." – Mehdi Raza, Director, Sofcom

A Step Toward Financial Empowerment

This collaboration isn’t just about technology; it’s about creating a supportive financial ecosystem for Pakistan’s salaried workforce. By addressing financial strain head-on, HARMONY and Neem Paymenow are helping businesses invest in their most valuable asset—their people.

In today’s competitive business landscape, retaining talent goes beyond just offering a paycheck—it’s about showing genuine care for your people. Our partnership with HARMONY marks a significant step towards empowering businesses in Pakistan to prioritize their employees through financial wellness – Niran Rehman, Director, Neem Paymenow

Together, Neem Paymenow and HARMONY – The HCM Platform are improving employee wellbeing and reducing the financial strain faced by Pakistan’s working class, decreasing their reliance on high-interest loans, and promoting financial stability. This partnership represents a major step toward building a more equitable and supportive financial ecosystem for Pakistan’s salaried workforce.

About Sofcom

Founded in 1992, Sofcom is a leading B2B IT solutions provider specializing in Human Capital Management (HCM) Platform, Quality Management Platform, and Payroll Outsourcing Services. With a strong focus on innovation, Sofcom empowers businesses to streamline operations, enhance workforce management, and drive strategic growth. Its flagship HCM platform, HARMONY, is trusted by top organizations to manage the full employee lifecycle—from recruitment to retirement—while enabling businesses to prioritize employee engagement and well-being.

About Neem

Neem is Pakistan’s leading embedded finance platform, providing financial infrastructure to simplify money movement for businesses. Neem empowers businesses to optimize their payments, grow revenues and accelerate their growth. Founded by serial entrepreneurs and supported by global investors, Neem is creating an impact within Pakistan’s financial wellness ecosystem.