Business

7 Tips for Creating a Professional Employee Handbook

Published

5 years ago

March 1, 2021

An employee handbook might seem like a small detail in the grand scheme of running a business, but it can have a major impact on your business’s inner workings. From processes and execution to employee confidence and consistency, a good handbook has the potential to change everything.

Why Create an Employee Handbook?

As a small business owner, you have to be intentional about what you spend your time on – otherwise, you risk being pulled in a dozen different directions.

So at first glance, it might be tempting to write-off an employee handbook as proverbial “busy work,” but we’d implore you to give it a second thought. Doing so could provide your growing company with a wealth of ongoing value.

As The Hartford explains, “An employee handbook is a compilation of all your company’s policies and protocols, as well as employees’ legal rights and obligations. Having an employee handbook makes it easy for you to communicate rules and responsibilities to employees, so there’s no question about what’s expected from them — or from you, as the small business owner.”

An employee handbook is an easy and convenient point of reference. It empowers your team and helps them address issues in real-time without having to involve other people and take them away from the work they’re doing.

7 Tips for Better Employee Handbooks

If you’re going to go through the effort of creating a handbook, you need to ensure it’s useful. A poorly executed employee handbook can do more harm than good, inciting confusion and feeling overwhelmed.

With that said, here are a few tips you may find helpful:

Make it Accessible

The problem with most employee handbooks is that they’re inaccessible. When an employee has a situation where they need the handbook, they don’t know where to find it. This causes the employee to either ignore it or send an email to HR (which hurts productivity and defeats the entire purpose of having a handbook in the first place).

In order to get the maximum value out of your handbook, you should invest in both digital and print copies. Digital copies can be stored on your company’s cloud drive or social intranet. Print copies can be printed on-demand and given to employees as part of their initial hiring package. (We recommend using spiral bound book printing to get the perfect blend of cost, durability, and looks.)

Keep it Engaging

A good employee handbook should be compelling enough to keep people engaged. You can do this through a combination of high-quality visuals, storytelling, and interactive elements (such as checklists).

Include the Basics

The beginning of the employee handbook should provide a one-page rundown of the company’s values, mission statement, and other basic elements like taglines and elevator pitch statements. Every employee should be required to memorize this page within the first month of being employed.

Address FAQs

An employee handbook should be more than an endless stream of policies and legal language. You want this to be a resource that employees can turn to in order to get answers to all common questions regarding processes and standard operating procedures. By centralizing your knowledge into a single resource, you cut down on the confusion people have with where to go. This trains them to visit the employee handbook first. Then, and only then, should they bring someone else into the issue or question they’re working through.

Explain Feedback Loops

While a handbook can cut down on 75 to 90 percent of questions employees have, even the most thorough resource can’t solve every problem. However, a good employee handbook can provide information on the proper feedback loops and chains of command so that employees know where to go with their inquiries.

Include Disclaimers

Finally, any good employee handbook must include disclaimers and other caveats pertaining to employment law and company policies. (This is as much about educating employees as it is about protecting yourself. Should an issue arise, the fact that you have well-documented disclaimers will show a good faith effort to educate.)

Consider including disclaimers as they relate to anti-discrimination and anti-harassment laws, family and medical leave policies, equal opportunity policies, etc.

Well-Organized

An employee handbook is not something that one of your team members is going to read from cover to cover – it’s a resource. When it comes to designing your handbook, be sure to include a clear table of contents and a reference section. This empowers employees to find what they’re looking for in a matter of seconds.

Empower Your Team to Succeed

An employee handbook won’t solve all of your problems or replace the need for training and development, but it does provide a centralized resource that empowers your team to be more productive. If you haven’t already, now’s the time to create a handbook for your team!

Business

Inside the $4.3B Quarter: What’s Fueling Black Banx’s Record Revenues

Published

16 hours ago

January 16, 2026

Matthew Wiles

Every quarter brings fresh headlines in fintech, but few make the kind of impact achieved by Black Banx in Q2 2025. The Toronto-based global digital banking group, founded by Michael Gastauer, reported an extraordinary USD 4.3 billion in revenue and a record USD 1.6 billion in pre-tax profit, while improving its cost-to-income ratio to 63%.

These results not only highlight the company’s operational efficiency but also mark a pivotal moment in its journey from challenger to global leader. The big question is: what’s fueling such impressive financial performance?

Customer Growth as the Core Driver

One of the clearest engines of revenue growth is Black Banx’s expanding customer base. By Q2 2025, the platform had reached 84 million clients worldwide, up from 69 million at the end of 2024. This 15 million net gain in six months demonstrates both the attractiveness of its services and the scalability of its model.

Unlike traditional banks, which rely heavily on branch expansion, Black Banx leverages digital-first onboarding that allows customers to open accounts within minutes using just a smartphone. This approach is especially effective in regions underserved by legacy institutions, where access to affordable financial tools is in high demand.

More customers don’t just mean higher transaction volumes—they generate a compounding effect where network size, brand trust, and service adoption reinforce one another.

Real-Time Payments and Cross-Border Solutions

A major contributor to Q2 revenues is the platform’s real-time payments infrastructure. Black Banx enables instant cross-border transfers across its 28 supported fiat currencies and multiple cryptocurrencies, helping both individuals and businesses bypass the traditional bottlenecks of international banking.

For freelancers, SMEs, and multinational clients, this means faster liquidity, reduced foreign exchange costs, and simplified global operations. The demand for real-time financial services is growing rapidly—Juniper Research projects global real-time payments turnover to hit USD 58 trillion by 2028—and Black Banx is strategically positioned to capture a significant share of this market.

Crypto Integration as a Revenue Stream

Another key revenue driver is crypto integration. While many traditional institutions remain hesitant, Black Banx embraced digital assets early and has built infrastructure to support Bitcoin, Ethereum, and the Lightning Network. In Q2 2025, 20% of all transactions on the platform were crypto-based, reflecting strong customer appetite for hybrid banking services that bridge fiat and digital assets.

Revenue comes not only from transaction fees but also from value-added services like crypto-to-fiat conversion, staking yields (4–12% APY), and blockchain-enabled payments. For customers in markets with unstable currencies, these services act as a financial lifeline, further expanding the platform’s relevance.

AI-Powered Efficiency and Risk Management

Record revenues would be less impressive if costs ballooned at the same rate. But Black Banx has proven adept at balancing growth with efficiency. Its cost-to-income ratio improved to 63% in Q2, down from 69% a year earlier, thanks to heavy reliance on AI-powered automation.

AI now drives fraud detection, compliance, and customer onboarding—areas where traditional banks often struggle with cost inefficiencies. By automating these processes, Black Banx can process millions of transactions securely while maintaining profitability at scale. This level of efficiency is rare in fintech, where high growth often comes at the expense of margins.

Regional Expansion and Untapped Markets

Geography also plays a role in fueling revenues. Much of the Q2 growth came from Africa, South Asia, and Latin America—regions where demand for mobile-first banking continues to soar. In 2024 alone, Black Banx reported a 32% increase in SME clients from the Middle East and Africa, signaling the strength of its positioning in underserved markets.

By extending services to populations previously excluded from formal banking—migrant workers, rural communities, and small businesses—Black Banx taps into vast pools of latent demand. The strategy proves that financial inclusion and profitability are not mutually exclusive but mutually reinforcing.

Diversified Revenue Streams

Another factor behind Q2’s record revenues is Black Banx’s diversified business model. Income is not tied to a single service but spread across multiple streams, including:

Transaction fees from cross-border transfers and payments.
Crypto trading and exchange services.
Premium account features for high-net-worth clients.
Corporate services for SMEs and international businesses.

This diversification insulates the company against volatility in any single segment, creating stable revenue growth even in shifting market conditions.

Michael Gastauer’s Strategic Blueprint

Behind these results is Michael Gastauer’s long-term strategy: scale aggressively but with efficiency, innovation, and inclusion at the core. His vision has always been to create a borderless financial ecosystem, and Q2 2025’s performance is evidence that this vision is not only achievable but sustainable.

By balancing mass-market accessibility with premium features, and by blending fiat with digital assets, Gastauer has positioned Black Banx as a category-defining player in global finance.

The Road Ahead: Toward 100 Million Clients

Looking forward, the company’s goal of reaching 100 million customers by the end of 2025 will likely be the next catalyst for revenue growth. More customers mean more transactions, more data insights, and more opportunities to refine and expand its service offering.

If current momentum holds, the USD 4.3 billion quarterly revenue milestone could be just the beginning of an even larger growth story. The challenge will be ensuring systems scale securely while maintaining trust in an environment where privacy and compliance are paramount.

A Record That Signals More to Come

Black Banx’s Q2 2025 performance—USD 4.3 billion in revenue, USD 1.6 billion in pre-tax profit, 84 million clients worldwide, and a lean 63% cost-to-income ratio—is more than a financial milestone. It is a signal of how the future of banking is being rewritten by platforms that are borderless, crypto-inclusive, and data-driven.

What fueled this record-breaking quarter is not one innovation but a combination of strategies—scalable onboarding, real-time payments, crypto integration, AI efficiency, and expansion into underserved regions. Together, they form a model that doesn’t just challenge traditional banking but actively builds the foundation for global dominance.

For Black Banx, the road ahead is clear: the $4.3 billion quarter is not an endpoint but a launchpad for even greater scale and profitability.