These delinquencies aren’t just bad for consumers — they’re a serious pain point for financial institutions. 

Have you considered how your organization will manage this challenging landscape amid rising delinquencies? 

It’s possible to avoid the internal panic and executive-level pressure to act that comes with these noticeable spikes in delinquencies with SpringFour.

With SpringFour, organizations:

☑️  Build customer loyalty

☑️  Improve portfolio performance

☑️  Drive increased repayment rates

How SpringFour Helps Prevent Delinquency

Timely Help, Tangible Impact: Seasonal Campaigns That Deliver

For Life’s Toughest Moments: Help Customers Navigate Hardship with Actionable Financial Health Resources

From Advice to Outcome: Financial Health Resources That Go Beyond Education

Drive Real Change: Build Stronger Communities with Trusted Financial Health Resources

Help That Prevents Hardship: Keep Customers on Track with Proactive Financial Health Resources

Start driving impact for your customers, employees –– and your bottom line. Email us at impact@springfour.com.

With the recently passed Big Beautiful Bill and potential cuts to programs in the federal fiscal year budget 2026, millions of Americans are navigating massive changes to essential programs, including cuts to Medicaid and SNAP. As a result, many people don’t know where they’ll turn for the food and healthcare they need and may fall prey to misleading or fraudulent information.

Have you considered how you’re going to support your customers amid high costs and rising delinquencies? 

To meet this moment, SpringFour has expanded its resource offerings to ensure families can access support available from trusted organizations.

• Provide their customers a source of truth with reliable resources vetted by SpringFour’s expert team
• Help prevent malicious actors from taking advantage of people in their time of need
• Connect customers with ways to reduce household expenses, which can lead to a decrease in late payments and delinquencies

Make it easier for your customers to find support from vetted resources with SpringFour’s digital solution.

In Q2, SpringFour met this moment — and continues to do so — delivering real help to people in real time as well as driving measurable business outcomes for our partners. 

When I read the press release on J.D. Power’s latest Financial Health and Advice Satisfaction Study, one line stood out to me more than any other:

I couldn’t agree more.

At SpringFour, we’ve been building solutions around this exact idea for nearly two decades. And we’ve always known the real work is about impact.

Real financial health requires more than advice. It requires access. When someone’s struggling to pay bills, afford child care, or keep up with medical expenses, suggesting they stick to a budget or start saving for a long-term goal doesn’t help unless we’re also pointing them toward ways to actually do that. That’s where SpringFour comes in.

We connect people to trusted, nonprofit and government resources that help lower household expenses in areas like food, utilities, employment, and healthcare. It’s not theoretical — it’s immediate, actionable support, embedded into the banks and lenders they already trust. In 2024 alone, we delivered more than 8.5 million financial health referrals.

So when J.D. Power reports that 43% of U.S. retail bank customers are now considered financially vulnerable, it confirms what we already know: people are looking for more than tips; they’re looking for tools.

They want tangible, actionable support. And they’re not just open to receiving it from their banks — they expect it. And that is great news for us in this industry — because this is relatively easy to solve.

The study found that 26% of all bank customers — and 36% of those under 40 — are actively seeking financial guidance. Yet ,one in five customers who researched budget management tools never ended up using them.

Why not? Perhaps the tools weren’t useful or relevant. 

Awareness does not equal access and delivering educational resources is not sufficient. If banks truly want to help their customers improve their financial health, then they need to move beyond sharing advice like “budget and save.” They need to provide people with vetted, accessible ways to save by helping to reduce household expenses or access programs that can assist. Available technology solutions exist to do so and are built to easily scale. 

At SpringFour, our mission has always been clear: boost your business by connecting people to the trusted financial health resources they need, when they need them most. In Q1 2025, the need has only grown more urgent — and so has our impact.

This quarter, we delivered over 1.8 million referrals to individuals and families nationwide, helping them save on essentials like food, utilities, and housing — and empowering them to stay resilient in the face of growing financial pressures.

At a time when Americans are carrying a record $1.21 trillion in credit card debt and delinquencies are on the rise, SpringFour continues to prove that access to the right resources drives real results: stronger repayment rates, healthier financial outcomes, and deeper customer trust.

This quarter also brought important milestones, from our expanded resource offerings and new integration with C&R Software’s Debt Manager, to partnerships that are helping organizations like MSUFCU, Enact, and Propel Holdings meet customers where they are.

Thank you, as always, for your partnership,

I spent a good chunk of Q1 2025 building our clients’ annual Social Impact Reports, which feature information about the financial health referrals provided to their customers and employees and the category, consumer, and market trends we observed throughout 2024. As I dove into the stories we’ve received over the last year, I was once again impressed by both the social impact and business results our clients see from working with SpringFour.

In today’s rapidly evolving business landscape, companies that prioritize meeting consumer needs aren’t just making a difference in their communities—they’re also strengthening their brand, building customer loyalty, and enhancing their bottom line. Consumers increasingly expect businesses to do more than just sell products or services; they want companies to contribute positively to society. 

One of the most meaningful ways businesses can meet consumer needs is by providing financial health resources—resources that help consumers find ways to save on food, utilities, prescription drugs, and more—to their customers. Doing so not only makes positive contributions to society, but is also proven to drive business results.

The Proven Business Benefits of Meeting Consumer Needs

• Increase Revenue through Customer Retention and Engagement: When consumers feel supported by a brand, they are more likely to remain loyal, resulting in impressive bottom-line results. Providing financial health resources builds deeper relationships with customers, encouraging repeat business and long-term engagement. One SpringFour client has seen millions in projected annualized credit loss savings from offering financial health resources in the collections process.

• Strengthen Brand Reputation and Customer Trust: Consumers are more likely to support brands that align with their values. In fact, 82% of consumers want a brand’s values to align with their own and three-quarters of consumers have parted ways with a brand they felt their values were in conflict with. When a company actively invests in financial education and support, it positions itself as a trustworthy and socially responsible business. In fact, over 98% of agents and coaches using SpringFour agree that offering SpringFour builds trust with customers. This fosters long-term customer loyalty and positive word-of-mouth marketing.

• Gain a Competitive Advantage and Differentiation: In competitive markets, businesses that prioritize social impact set themselves apart. Offering financial wellness resources—such as the nonprofit and government resources available through SpringFour—demonstrates a commitment to customers’ well-being, creating a unique selling point.

• Attract and Retain Employees: Employees are drawn to companies that align with their values. Businesses that emphasize social impact tend to attract top talent, boost employee morale, and enhance workplace culture. A socially responsible brand is more likely to retain employees who take pride in their work. With SpringFour, employees can offer actionable financial health support during collections calls, changing the narrative from simply collecting payments to providing solutions that address root causes and help consumers make payments—leading to 98% of agents and coaches using SpringFour reporting that they feel more satisfied with their work.

How Financial Health Resources Positively Impact Consumers

• Helping Consumers Save Money and Reduce Debt: Offering financial resources—such as discounts, savings plans, or guidance on reducing expenses from reputable organizations whose mission is to help consumers—can have a direct and lasting impact on consumers’ financial stability. This not only improves their financial health but also strengthens their relationship with the business providing them support. 

• Empowering Consumers to Make Informed Financial Decisions: Many individuals lack access to essential financial education. Businesses that provide budgeting tools, credit counseling, or savings programs empower their customers to make better financial choices, reducing financial stress and increasing overall well-being.

• Creating More Equitable Access to Financial Tools: Lower-income consumers often face barriers to financial wellness. By providing access to nonprofit and government resources, businesses can help bridge the gap and provide financial tools to those who need them most.

• Encouraging Long-Term Financial Stability: A customer with strong financial health is a more stable and engaged consumer. When businesses help customers save, invest, and plan for the future, they create a customer base that is financially secure and more likely to continue supporting the business over time.

Making Consumer Needs a Core Business Strategy

To successfully integrate meeting consumer needs into your business, consider the following strategies:

• Partner with SpringFour: Provide access to thousands of local nonprofit and government financial education and money-saving resources to expand your reach and impact.

• Integrate Financial Health Across the Customer Lifecycle: Companies and institutions should incorporate financial wellness features into their services and marketing communications, making it easier for consumers to take control of their financial future. Doing so builds trust, increases engagement, and ensures your customers are getting the help they need from reputable sources. 

• Educate Your Customers: Host webinars, create educational content, or provide one-on-one consultations to help consumers build financial literacy, health, and resilience.

Final Thoughts

Making social impact—especially financial wellness—a cornerstone of your business isn’t just a good deed; it’s a smart business strategy. By helping customers improve their financial health, businesses can strengthen their brand, foster deeper relationships, and create a loyal, financially stable customer base. In a world where consumers value corporate responsibility, prioritizing financial wellness is a win-win for businesses and the communities they serve.

Are you ready to make a lasting impact? Start integrating SpringFour’s financial health resources into your business today! We can have you up and running in under 30 days.

Phylicia Clifton

Senior Manager, Client Success & Impact, SpringFour