Gartner Research

Empower Workers and Energize Your Employment Value Proposition With Flexible Earned Wage Access

Published: 15 July 2019

ID: G00436243

Analyst(s): Ron Hanscome


Technology advances now enable employees to access a portion of their wages before their next payday. Application leaders should assess deploying this “flexible earned wage access” capability within the context of broader programs to improve employee retention, engagement and well-being.

Table Of Contents
  • Impacts


Impacts and Recommendations

  • Easy Access to Already-Earned Wages Directly Empowers Employees Who Typically Live Paycheck to Paycheck
  • Flexible Earned Wage Access Makes Broader Financial Well-Being Programs More Relevant, Concrete and Beneficial to Employees
  • Evolving Vendor Approaches and Compliance Regimes for Flexible Payroll Create Complex Trade-Offs and Requirements
    • Deployment Options
    • Regulatory Requirements
    • Administrative Implications

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