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Why Early Wage Access Now?
The Market Shift
Regulatory Pressures
Customer Financial Stress
Non-Bank Entrants
Early Wage Access Demand Accelerating
U.S. EWA Transaction Volume Projections ($B)
Market Growth Drivers
1
Increased employee demand for on-demand wages.
2
Growing business adoption for financial wellness.
3
Expansion of fintech-driven EWA models (Chimem Earnin, Dave).
Fintech Disruption
50% of Chimes 22 million customers are under 40
  • Traditional pay cycles don’t align with member needs, driving them toward high-interest credit, payday loans, and overdraft fees
  • Fintechs like Chime and EarnIn have capitalized on this gap, offering fee-free access to wages and reshaping how consumers engage with their money.
Chime has catered to 22.3 million customers
It is expected to have 30+ million users by 2026
Active Users: 2.5M
Why Banks & Credit Unions Should Care
FinTech Disintermediation
Deposit & Revenue Loss
Customer & Deposit Attrition
Growing Market Share
The Benefit of Offering EWA
Acquire
Stay Competitive
Drive Bank Growth
White-Label EWA for Credit Unions & Community Banks
Real-time wage tracking
Advanced risk controls
Branded User Experience
Reg-Z Compliant