. . . . . . . . . "11223"^^ . . . . . . "65692623"^^ . . . "Earned wage access (EWA), can be referred to as instant pay, earned income, early wage access, accrued wage access, salary advance scheme or on-demand pay. The official UK government term is Employer Salary Advance Scheme. It is a financial service offered to employees, mostly low-wage and hourly workers, being given access to some of their accrued wages before the end of their payroll cycle. In America, 20% of all hourly staff are expected to be paid this way by 2023, with many large employers like Walmart and Mcdonald's already offering it."@en . . . . . . . . . . . . . . . "1123807858"^^ . "Earned wage access (EWA), can be referred to as instant pay, earned income, early wage access, accrued wage access, salary advance scheme or on-demand pay. The official UK government term is Employer Salary Advance Scheme. It is a financial service offered to employees, mostly low-wage and hourly workers, being given access to some of their accrued wages before the end of their payroll cycle. Earned wage access technology can be implemented in various ways: automatically loaded onto a prepaid card, deposited via ACH onto a user's existing direct deposit, or, in a bifocal approach, accrued earnings are transferred into a bank account facilitated by the EWA provider. With some providers, like Tapcheck & Level Financial Technology for example, users can access their earned wages through a mobile app. Earned wage access providers have been positioned as an ethical solution to payday lenders as they typically charge a small flat fee rather than interest. In America, 20% of all hourly staff are expected to be paid this way by 2023, with many large employers like Walmart and Mcdonald's already offering it."@en . "Earned wage access"@en .