Payroll Cards and Earned Wage Access: Alternative Ways to Get Paid in North America (JP)

北米企業が活用している代替給与アクセス手段(Payroll CardEarned Wage Access/On-demand Pay)を解説する。  

February 28, 2023 – 企業と金融機関は、従業員の給与支払いに関して高い信頼性とローコストをいかに両立させるか長年腐心してきた。しかしインフレで不安定な経済環境の中、生活費に苦労する従業員の割合は増加しており、従業員がストレスなく給与にアクセスできる手段を提供することは雇用主にとって優先順位の高い課題となっている。

本レポートでは、北米で広く使われるようになった二種類の代替給与アクセス手段(Payroll CardEarned Wage Access/On-demand Payを解説する。執筆にあたっては、2022年第三四半期に米国/カナダの大手企業/中堅企業に勤務する従業員250人に対するアンケート調査を実施した。

弊社 Retail Banking and Payment service をご契約のお客様は、本レポートをダウンロード頂けます。

本稿では、ADP, Amalgamated Bank, Amarillo National Bank, Axos Bank, Banco Popular de Puerto Rico, Bank of America, BBVA, Capitol Federal Savings Bank, Central Bank of Kansas City, Ceridian, Comerica Bank, Commerce Bancshares, DailyPay, Darden Credit Union, Earnin, Evolve Bank & Trust, Federal Deposit Insurance Corporation, First Century Bank, First Covenant Bank, First Financial Bank, First Tennessee Bank, FIS, Fiserv, Four Corners Community Bank, Green Dot, JPMorgan Chase Bank, Key Bank, Metropolitan Commercial Bank, Michigan State Federal Credit Union, MidFirst Bank, Midwest Heritage Bank, Netspend, Onbe, Origin Bank, Pathward, PayActiv, PNC, Regions Bank, Republic Bank & Trust, Republic Bank of Chicago, SchoolsFirst Federal Credit Union, Southern Bank and Trust, Stride Bank, Sunrise Banks, TD Bank, The Bancorp Bank, TransCard, U.S. Bancorp, WEX, ZayZoon に言及している

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