Malo

Malo is a financial well-being brand helping employers and local authorities address financial stress among employees and residents. Its approach is designed to improve people’s purchasing power and reduce money-related anxiety without placing additional strain on an organisation’s budget. Developed with researchers in the social sciences, Malo’s method combines practical financial education with support intended to encourage lasting changes in everyday habits.

The programme helps participants plan projects, make more considered spending decisions, and gain a clearer view of their finances. Malo also offers the Parlons Cash workshop, which participants identify as a catalyst for addressing financial difficulties. For organisations, the service includes an intuitive dashboard to monitor financial well-being indicators and downloadable impact reports. Malo says that reporting data is anonymised and that its service is GDPR-compliant, securely hosted, and does not access or transfer users’ bank account information. By supporting financial clarity and reducing mental strain, Malo aims to help employees feel more present at work while enabling public bodies to provide residents with concrete support for greater financial security.