The Employer Alliance for Financial Education
Empowering UK workers to master their money
Founded by leading employers and convened by Stream, the UK’s leading Workplace Finance platform, the Employer Alliance for Financial Education aims to transform how adults access financial education so they can grow money confidence and build lasting financial resilience.
-1.webp&w=3840&q=80){kind=logo}
“Financial wellbeing is an important part of supporting our people, both at work and in their everyday lives. By making practical financial education more accessible through the workplace, we can help our colleagues to build the knowledge and confidence required to make informed decisions about their money,”
Katharine Gourley, People Director at Travelodge
The road to one million
To measure the ongoing impact of the Employer Alliance for Financial Education we have committed to an ambitious goal of helping one million UK workers pass ‘The Big Three’ test.
58,890
people have passed ‘The Big Three’
Closing the UK adult financial literacy gap
The UK faces a critical adult financial literacy crisis. Recent research says 23 million adults navigate daily money decisions with poor financial literacy [1], while numeracy charity The Richmond Project found that only 1 in 4 could correctly answer ‘The Big Three’ - a test to measure financial literacy using three foundational concepts: compound interest, inflation, and risk diversification.
Establishing the workplace as a classroom for improving financial capabilities
While school curriculums are improving for future generations, millions of working adults currently driving today's economy were left behind. The Employer Alliance for Financial Education wants to raise awareness of the workplace as a trusted and accessible environment to deliver practical financial learning and make significant financial literacy gains amongst UK working adults.
.webp%3F2026-02-16T11%3A59%3A04.418Z&w=3840&q=85)
Unlocking the workplace as a trusted channel is only half the battle, designing a more engaging model for financial education is the other
As social media platforms are increasingly quoted as the new forum for money advice, it is tempting to assume that mimicking the "finfluencer" format is the key to engagement. However, replicating this model risks prioritising short-term entertainment over sound financial outcomes.
Research by CGAP (part of the World Bank) shows that traditional classroom training quickly fades, creating a gap between knowing and doing. To drive real behavioural change, education must shift from passive learning to "just-in-time" capability—delivering guidance directly alongside practical financial tools at the exact moment a decision is made.
By embedding bite-sized learning directly into a person’s primary financial ecosystem, their unique earning, spending, and saving data can be used to trigger access to relevant guidance precisely when it matters most. For Stream members, this kind of financial education experience already exists within our platform.
Free tools to beat the odds
Stream employers gain access to Money Masters, a new, bite-sized course in the Stream app, which teaches people about interest, inflation and risk diversification so they have the knowledge and confidence to pass ‘The Big Three.’
About Money Masters
~ 100% free and available to all Stream employers that have upgraded to W4 and are offering our latest Education product.
~ Each month one winner is chosen, at random, and their Stream savings pot is doubled (up to a maximum of £500, T&Cs apply.). The incentive exists as a symbol of the message that is important to the Employer Alliance for Financial Education: building money confidence is rewarding.
~ The Money Masters campaign pack makes it easy to promote the course to colleagues.
"What makes Stream’s initiative so aligned with our findings at The Richmond Project is the recognition of who needs this support most: our research showed that low-income workers experience the largest confidence gap.
“Targeted workplace interventions do not just offer convenience—they offer access. When employers proactively provide clear, accessible financial education and foster a non-judgmental environment around numerical skills, they remove the stigma that keeps people from seeking help.”
Lizzie Gaisman, CEO of The Richmond Project