How a National Financial Services Organization Unlocked $744,000 in Financial Support for Employees.

Financial services companies live and die by how well they take care of their people, but even well-designed benefits packages can leave value sitting untouched. For one national financial services organization, that value was hiding in plain sight: unused PTO.

The Challenge


Like many organizations that shifted to hybrid work post-COVID, this company was looking for new ways to stand out on retention and recruitment, without adding cost or complexity to an already robust benefits lineup. PTO balances were building on the books, representing real value employees weren't converting into anything usable.


The Solution

The organization launched PTO Exchange to give employees a straightforward way to convert unused time off into financial support, with an exchange minimum and maximum of 60 hours per transaction. The platform ran cost-neutral to the organization, requiring no ongoing lift from internal payroll or benefits teams to administer.


The Impact


In 2025 alone, employees at this organization exchanged:

  • $744,216 in gross  PTO value
  • 17,969 PTO hours
  • 498 individual exchanges


Adoption has continued to build steadily: more than half of active employees (51.73%) are eligible to exchange PTO, over a quarter (26.09%) have registered for the platform, and 339 employees have made at least one exchange to date. On average, each exchange converted just over 36 hours into $1,494 in financial support, real money employees put toward what mattered most to them, without waiting for an annual bonus cycle or dipping into savings.


In Their Words

"PTO Exchange has been well received with employees excited to use their banked PTO for other perks like saving for retirement or paying for student loans. With no added budget it was a no-brainer for us."

Why It Works for Financial Services


This organization's results reflect a broader shift in how financial services companies think about benefits: it's not always about adding something new, it's about unlocking value in what employees already have. Unused PTO is already sitting on the balance sheet as a liability, PTO Exchange turns it into a benefit employees actually feel, at no net cost to the organization.

 

👉 Schedule a personalized demo
👉 Explore use cases and client stories