A chef in black kitchen whites standing behind a kitchen counter, hands on the worktop, smiling at the camera
ProductsReward

Financial benefits your frontline will actually use

Smart products that put more money in your employees' pockets. Earned wage access, savings, phones and data contracts, retail vouchers and more.

Book a demo

Trusted by 200+ employers and 250,000+ deskless workers across Africa

Capital Hotel GroupCity LogisticsDefyEdgarsIllovo SugarKFCLeroy MerlinMeridian GroupOryxSeattle Coffee CompanyServestSpierStallion SecuritySwissportTharisa MineralsTiger Wheel & TyreTitanium SecuritasTrudaTwizzaWasteplan
The Jem chat on a phone, showing the payment menu: a standard payment within one business day, a faster payment in minutes, recharges and vouchers, and a check of balances and the limits an employer has set

Earned Wage Access

Employees withdraw a controlled portion of wages they've already earned, instead of turning to loan sharks. Market-leading limits, controls and block dates keep it responsible. Employees pay a small per-withdrawal fee.

Explore Earned Wage Access
The Jem chat on a phone, showing the Save with Jem screen: setting up savings deducted from every payslip, held in a money market fund, with a Get Started button

Savings Account

A savings account that earns interest, opened and managed on WhatsApp. There's no Jem fee, but employees pay a nominal fee to our banking partner.

Explore Savings
The Jem WhatsApp chat on a phone, showing a handset being chosen for a payroll contract quote - a Samsung Galaxy A16 selected from the device list

Jem Mobile

Affordable smartphones and data through payroll deduction. No credit checks; employees qualify on tenure and affordability.

Explore Jem Mobile
The Jem chat on a phone, showing the advance options: airtime, data and prepaid electricity recharges and a retail voucher, each paid for out of earned wages

Retail vouchers

Employees buy vouchers for electricity, airtime, data or essentials from major retailers on WhatsApp, via payroll deduction. They pay the voucher's retail price; Jem charges nothing on top.

Explore Retail Vouchers
The Jem chat on a phone, showing free financial, mental health and legal assistance provided through Yola Health by Zoie Health, with an I'm interested button

Employee Assistance Programme

Social worker access and trauma counselling for your team, at no cost to them or to you.

Explore the EAP
The Jem chat on a phone, showing a menu of financial education topics: savings, advances, interest rates and opening a bank account

Financial education

Financial literacy courses on WhatsApp, in English, isiXhosa, isiZulu and Afrikaans.

Explore Financial Education
The Jem chat on a phone, showing the Get your credit score screen, which explains a credit score as a report card for how you handle your money, with an I'm interested button

Credit score checks

Employees check their credit score in real time on WhatsApp. Anytime, anywhere and totally free of charge.

Explore Credit Score Checks

Security your board will sign off.

  • ISO 27001 certified
  • Meta Business Partner
  • POPIA compliant
  • Monitored by Sprinto
Employee wellbeing

Get real-time views of product usage and see the value you're adding for your employees, directly in the Jem Hub.

The Jem Hub's Financial Wellness view, with tabs for Earned Wage Access, Savings Account and Credit Scores, a month-to-date row of workforce activity tiles for money paid out, employees using it and transactions made, and Earned Wage Access controls for limits, blocked dates and segment blocks below

The proof

  • 90%

    frontline adoption after just three weeks

    McDonald's

  • 98%

    frontline adoption (rolling 12-month average)

    Securitas

  • 50%

    improvement in employee retention over 12 months

    Oryx

Ready to reward your frontline workforce with Jem?

Forget long implementations and expensive consultants. Give us two days to set you up and we'll give you back weeks of your time.

Book a demo