Neem Paymenow, a Shariah-compliant earned wage access platform, has partnered with HARMONY, Pakistan’s fastest-growing HCM platform by Sofcom, to enhance employees’ financial wellness in Pakistan. Through this partnership, HARMONY's corporate clients will be able to easily integrate Neem Paymenow’s earned wage access solution into their employee benefits programs.

Bringing relief to Pakistan’s salaried segment together

With over 60 million employed workers in Pakistan, many in essential sectors like retail, healthcare, and logistics often face financial stress between paydays. Rising living costs and unexpected expenses can push employees toward high-interest loans, leading to debt cycles that impact their families and well-being.

Neem Paymenow and Harmony are stepping in to address these challenges by empowering businesses to provide their workforce with greater financial flexibility. This leads to improved employee satisfaction, retention, and overall well-being.

HARMONY is a leading Human Capital Management (HCM) platform trusted by top organisations such as Unilever, GSK,, Hoechst Pak Ltd, Atlas Honda, US Group, Nishat Mills, TCS, DHL, Bank Al Habib, MCB, and many more. It empowers businesses to manage the entire employee lifecycle—from recruitment to post-retirement—while emphasising strategic talent management and compensation. Through this partnership, businesses using HARMONY can seamlessly integrate Neem Paymenow’s solution into their employee benefits program.

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

Neem Paymenow is rapidly scaling in industries such as retail, logistics, healthcare, and manufacturing across Pakistan. This collaboration marks a significant milestone for us to reach more frontline workers and amplify the positive impact of earned wage access.

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 prioritise their employees through financial wellness – Niran Rehman, Director, Neem Paymenow

Together, Neem Paymenow and HARMONY Sofcom  are 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.

👉 Looking to offer a meaningful financial wellness benefit to your employees? Connect with us to make it happen: https://www.neem.io/neem-paymenow
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👉To learn more about Sofcom products & services for your business, please reach out at https://www.sofcom.net/

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About Neem

^{Neem is Pakistan’s leading embedded finance platform, providing financial infrastructure to simplify money movement for businesses. Neem empowers businesses to optimise 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.}

About Sofcom

^{Founded in 1992, Sofcom is a leading B2B IT solutions provider specializing in Human Capital Management (HCM) platform, Quality Management Platfrom, 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 organisations to manage the full employee lifecycle—from recruitment to retirement—while enabling businesses to prioritise employee engagement and well-being.}