Tendo by Tonik, the market leading provider of digital-powered financial wellness solutions, today announced the availability of its services to Concentrix, the Philippines’ largest private employer with over 100,000 team members.

This initiative provides access to Tendo’s innovative tools—ranging from flexible salary-deducted loans to budget coaching and high-yield savings — for Concentrix employees.
Tendo reinforces its standing as a trusted resource for large-scale organizations, already working with over 180 employers nationwide, serving hundreds of thousands of workers.
Tendo’s digital-first platform also supports the following efforts:
- Employee engagement and retention: Tendo’s cost-effective financial wellness programs and access to easy, responsible credit and savings tools help boost employees’ day-to-day financial confidence.
- Talent acquisition: Offering such a facility makes an employer’s overall offerings more attractive.
- Loan operations: Tendo’s technology eases overall loan processing and lending for a modern workforce.
Tendo by Tonik’s AI-powered approach fuels sustainable growth

As an affiliate of Tonik Digital Bank, the Philippines’ first digital and credit-led bank, Tendo leverages robust underwriting models and AI-driven risk management to deliver sustainable lending margins.
Concentrix’s vast workforce supports Tonik’s accelerated user growth and revenue potential, further underscoring Tonik’s clear path to profitability in the most under-penetrated consumer finance market in Southeast Asia.
“We believe that empowered employees are the foundation of any successful business,” said Kacper Marcinkowski, CEO of Tendo by Tonik. “Making this available for Concentrix ensures thousands more people can easily access financial tools designed to reduce stress, encourage savings, and strengthen overall workplace engagement.”
“At Concentrix, we focus on holistic wellbeing for our game-changers and that includes their financial stability,” said Hazel Banas, VP for People Solutions at Concentrix Philippines. “The availability of Tendo’s services supports our efforts to enable various means for our game-changers to manage their financial needs in a secure and responsible way,” she concluded.
About Tendo by Tonik

Tendo by Tonik is a fully licensed employee benefits and financial services provider, regulated by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP).
As an affiliate of Tonik Digital Bank, Tendo combines digital innovation with a credit-led approach to deliver solutions that empower both employers and their workforces. Visit https://tendopay.ph for more information.