Employee benefits have long been seen as a crucial tool for attracting and retaining talent. Yet despite significant employer investments, benefits utilization and employee engagement remain disappointingly low. The root cause? A broken experience that either lacks guidance or lacks the freedom to choose.

The Problem: a one-sided approach isn't enough

Most benefits solutions today focus on one of two things: navigation or choice. But neither on its own is sufficient.

• Navigation without choice: Few solutions help employees understand their benefits better, offering guidance, FAQs, and navigation tools. But what if the available options don't align with an employee’s needs? Without a broad and flexible benefits marketplace, all the navigation in the world won’t lead to meaningful utilization.
• Choice without navigation: On the other hand, employers may provide a rich array of benefits but leave employees to fend for themselves in a maze of options. Without personalized recommendations, interactive support, or seamless access, employees often feel overwhelmed or uninformed, leading to underutilization and disengagement.

The Solution: an integrated approach that delivers value

At Fijoya, we believe benefits engagement must combine personalized navigation with a broad, flexible benefits marketplace to unlock true value for both employees and employers.

• Personalized Communication & Recommendations – AI-driven insights ensure employees know not just what they're entitled to but what’s actually relevant for them.
• Real-Time AI Benefits Assistant – Employees get interactive, 24/7 support to help them navigate, choose, and utilize benefits effortlessly.
• A Global Benefits Marketplace – Thousands of services tailored to employee, employer, and regional preferences, offering unmatched choice and flexibility.
• Seamless Access – Embedded corporate cards eliminate the hassle of invoices and reimbursement, making it easy for employees to use their benefits.
• Employer Cost Optimization – A usage-based model ensures unspent funds are returned, maximizing efficiency and cost-effectiveness.

The future of employee benefits

An effective benefits strategy cannot be one-sided. Navigation and choice must go hand in hand to create a seamless, engaging, and valuable experience. At Fijoya, we are redefining benefits engagement by bridging this gap—ensuring employees not only understand their benefits but also have the freedom to choose the ones that truly matter to them.

It’s time to move beyond fragmented solutions. A comprehensive approach—where employees are guided to the right benefits, at the right time, with the freedom to choose - is the key to unlocking real engagement and maximizing employer ROI.

Let’s build the future of benefits together.

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