2.5 How can employees’ financial well-being be improved? The evidence and arguments put forward in the discussion so far suggest that considerable numbers of employees are at risk of experiencing poor financial wellbeing, with potentially negative effects on their personal productivity and that of their employer. This analysis therefore gives some justification for action to improve financial well‐being, providing that a feasible cost‐effective solution can be found. The question arising is what kind of action should be taken and by whom. We now review initiatives being undertaken by the government and employers.