Earned Wage Access Impact Assessment – H1, 2021

Published , reporting on data up to December 2020


What the report covers

  1. How users interact with a flexible pay cycle

  2. How flexible pay usage evolves over time

  3. How users think about spend and financial resilience

  4. How financial behaviours change once flexible pay replaces locked pay

  5. EWA research, and where we go from here

How do people use Earned Wage Access, and what impact does it have on their financial wellbeing?

These are the core questions we address in the H1 2021 EWA Impact Assessment, which is based on independent survey data of 2,200 users, anonymised transaction data of 1 million EWA transfers over 18 months, and global financial inclusion benchmarks.