KARACHI: ABHI, a leading embedded finance platform, has joined forces with FlowHCM, Pakistan’s fastest-growing HRM/HCM software, to deliver a full range of financial services to employees of their mutual clients. This partnership provides real-time access to earned wages, payroll financing, and additional financial tools designed to improve employees’ financial wellness.
At the heart of this collaboration is a commitment to empower companies to give their employees greater financial flexibility, enhancing both satisfaction and retention. Now, FlowHCM clients can seamlessly offer ABHI’s advanced salary services directly within the FlowHCM software. This integration enables employees to access earned wages and other financial resources with ease, helping to alleviate financial stress and improve overall well-being.
Ali Ladhubhai, Co-Founder and COO of ABHI, highlighted the importance of this collaboration, saying, “In today’s competitive landscape, businesses are prioritizing financial wellness solutions for their employees. Our partnership with FlowHCM marks a major step in making these services accessible across Pakistan. By integrating ABHI’s earned wage access with FlowHCM’s platform, businesses can better support their employees, resulting in higher retention and job satisfaction.”
FlowHCM CEO Muhammed Ammar Munaf added, “As HR evolves, focusing on employee well-being is essential. Our partnership with ABHI enhances our One-Window HR Solution by integrating earned wage access and FinTech services, enabling businesses to streamline processes and provide financial flexibility—all within FlowHCM, making HR functions even more efficient and user-friendly.”
Through this partnership, ABHI and FlowHCM aim to empower employees with earned wage access (EWA), allowing them to access their salaries whenever needed and reducing reliance on high-interest loans.



