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helpful for recruitment. “ provided a solid number or net amount that they could draw on, often for a fee.

Employers adopting EWA reported significant increases in worker retention and found programs

payday loan operators, bank overdrafts, and overuse of credit cards to cover expenses arising between paydays. EWA fees assessed often were set amounts, much less than that of traditional payday loans. The

Workers using EWA found access to cash that was not loans, based on already-earned amounts. This avoided the use of predatory

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ISSUE 23 GLOBAL PAYROLL MAGAZINE

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