Insights
Written for the room. Not for page views.
Plain answers on the member experience, who does what, how to start a program, and statutory delivery. Written to be cited in diligence, not stuffed for search.
10 articles
All buyers
What happens after a benefits swipe
The merchant asks for money. The useful part is the context that remains: what paid, what did not, and who can explain it.
Launch
The benefits experience is judged at the swipe.
Members remember the few seconds at checkout. Phase 3 exists so that moment has an answer.
Members · HR · support
What members actually need from a benefits card
Design the app around answers, not only balances. And let people spend from a phone when funding clears.
Procurement · brokers · employers
Questions to put in a benefits card RFP
If they cannot answer these in a demo, you are buying another card, not a product.
Federal contractors · finance · compliance
Davis-Bacon fringe on a payment card
Hourly fringe in. Worker spend out. A packet you can defend.
Home care · agencies · counsel
NY Wage Parity on a benefit card
Agencies are tired of cash and spreadsheets. A card with a ledger is a different mechanism.
Brokers · employers
Start this quarter. Expand at renewal.
Modernize the swipe without a mid year plan fight. Grow the same card when the year turns.
Diligence · legal · procurement
Card layer vs TPA: who does what
Write the line before the RFP. We modernize the swipe. We do not take the TPA’s job.
Buyers · brokers · operators
What is a multi wallet benefits card?
One card. Several programs. The experience is defined by what happens when that credential is used.
Brokers · TPAs · employers · payroll
The shift from legacy benefit cards to a modern card layer
The category was built on last generation platforms. Members still feel that era. Here is what actually changes when the card becomes software.
Need this for an RFP?
Tell us your role. We walk the card experience and the scope against your mix.