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Earned wage access gives employees access to wages they have earned but not yet been paid on. There is a misalignment between the biweekly receipt of wages, and the multiple days in between during which bills and other expenses must be met.
This misalignment creates a cash flow shortfall, which hourly workers have historically filled via expensive forms of short-term credit such as payday loans, installment loans, auto title loans, pawn loans, overdraft fees and late fees.
Larry Meyers is the SVP of Public Affairs for PayActiv. He is an expert in employee financial wellness. PayActiv is a Certified B-Corporation and Public Benefit Corporation, which provides an … Read full bio
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