What is earned wage access?
Flexible access to earnings
Earned wage access is a tool that lets employees withdraw money that's been earned ahead of their usual payday. Think of it as giving employees the flexibility to get paid daily or weekly. It all happens on the Jem WhatsApp line where all of our other tools are, like payslips and comms.
Not a loan
Earned wage access is not a loan. Any amount paid during the month, is deducted from their next payslip. Earned wage access comes at no cost to the employer but provides employees with an affordable alternative to expensive payday lending.
Let employees access their earnings when they need it most
Earned wage access is a lifeline for employees facing unexpected expenses, such as medical bills or transport costs. It can help employees address these emergencies without resorting to high-interest loans or credit card debt - or missing work.
"You’ve done so much this year, I don’t know how it can get better. I just love Jem!”
"Jem is the best thing WastePlan has given us. It has made our Jobs so much easier. Our teams know what is going on in the company, and those payslips!"
"If you believe in a product - you are always willing to give good feedback. This product has saved us a lot of time and money but the main benefit I have seen is actually being able to connect with our employees. It is a beautiful thing - being able to directly contact any of your employees at a click of a button."
"We've received really great feedback from our employees since we launched On-Demand Pay. It's really helped them avoid loan sharks and get out of debt."
"Jem is an incredibly powerful tool - it plays a key role in our culture and communication strategy. It enables us to communicate workplace policies and procedures effectively, send out communications and newsletters, conduct surveys and push our culture strategy across our business. Easy payslip distribution is an added bonus!"
"Our employees love it! When they are on lunch, they log into the WIFI in the store and check out what is going on in Jem, without us asking them to. They check it themselves, and they are excited to see if there are any updates for the day. I can’t tell you how much you have helped us."
"‘I love Jem. We went from 100+ payslips queries every month to less than 2 every month. The convenience is just great and our employees love it.’’"
"Before we joined Jem, we used to process 80 staff loans a month and it was an admin nightmare. Now, we just send our employees to Jem when they are in financial stress. It has been such a pleasure and our employees absolutely love it."
"Jem gives our employees the opportunity and dignity to not have to divulge their financial situation to their managers. It provides them with access to funds in a controlled environment with small service costs. We would do a disservice to our employees if we were to stop using Jem."
"Jem has rocked our world here in our HR department at DoubleTree by Hilton Cape Town! What used to take a great deal of time, now takes a 10th of that time – issuing of payslips literally takes a few minutes per month!"
"Jem helped our company streamline the payroll process and drastically improve how we communicate with our employees. It’s cost effective and a much needed solution for all companies with deskless employees. Our employees love it and so do we!"
Request a demo
Schedule a call with our team to:
- Discuss your key problems and better understand the tools out that could help solve them.
- Get a demo of the Jem platform and see how it works in practise.
- Get pricing based on your size and needs.