Floatpays, a South African Fintech, has developed a new savings product to help employees escape the financial blues known as 'Januworry.' It's that time of year when South Africans start to feel the pinch following their holiday spending binge. Employees' financial stress has a knock-on effect on employers, resulting in absenteeism, productivity losses, and poorer performance levels, all of which have a direct influence on profitability.