The Rise of ‘Fringetech’: Regulatory Risks in Early Wage Access

The Rise of ‘Fringetech’: Regulatory Risks in Early Wage Access

Duke University School of Law

The financial technology, Virginia installment loans near me or FinTech, sector appeared to have developed an innovative solution to assist low-income workers with income shortfalls between standard paydays by displacing fringe financial service providers, namely payday lenders by many accounts. Early wage access programs facilitate very early transfers of earned but unpaid wages to low-income workers through mobile platforms, algorithmic technology, and GPS-tracking. To a lot of, very very very early wage access programs represent a win-win for workers and their companies. These programs are considered to be cheaper and safer options to payday advances. Additionally, research indicates these programs improve work retention prices for companies which help reduce monetary stress for low-income workers. 继续阅读“The Rise of ‘Fringetech’: Regulatory Risks in Early Wage Access”

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