「釋義」

工資搭橋是一種創(chuàng)新的金融科技商業(yè)模式。服務(wù)提供商可以直接從雇主處獲取借款人的工資，確保預(yù)付款或貸款的償還。工資搭橋縮短了工資支票兌付時(shí)間，可以有效幫助低收入員工擺脫債務(wù)。

「應(yīng)用場(chǎng)景」

哈佛大學(xué)肯尼迪政府學(xué)院的一項(xiàng)研究，探討了創(chuàng)新性金融科技產(chǎn)品是如何打破這一惡性循環(huán)，讓員工和雇主都受益的。研究人員分析了PayActiv和Salary Finance，這兩家初創(chuàng)企業(yè)會(huì)與雇主合作，提供新的金融服務(wù)作為員工福利的一部分。PayActiv會(huì)預(yù)支員工已獲得但尚未收到的工資。該公司有時(shí)與ADP等薪資管理公司合作，為聯(lián)邦快遞、必勝客和Wendy’s等公司的員工提供服務(wù)。Salary Finance則更進(jìn)一步，為員工提供低成本貸款，可以抵扣工資，自動(dòng)償還?？偛吭O(shè)在英國(guó)的Salary Finance已將業(yè)務(wù)擴(kuò)展到美國(guó)，客戶包括United Way和特斯拉。

A study conducted at the Harvard Kennedy School explores how innovative fintech products can disrupt this damaging cycle and benefit employees and employers alike. The researchers studied two start-ups that partner with employers to make new financial offerings available as part of employees’ benefits packages. PayActiv advances wages that workers have accrued but haven’t yet received. Sometimes operating in conjunction with payroll companies such as ADP, it serves employees of FedEx, Pizza Hut, and Wendy’s, among others. Salary Finance goes a step further, offering employees low-cost loans that are automatically repaid through paycheck deductions. Based in the UK, it has expanded to the United States, where clients include the United Way and Tesla.

推動(dòng)這兩種商業(yè)模式的創(chuàng)新是“工資搭橋”——服務(wù)提供商可以直接獲取借款人的工資，確保預(yù)付款或貸款的償還。PayActiv將算法應(yīng)用于雇主提供的工作時(shí)間和考勤數(shù)據(jù)，根據(jù)工作排班和小費(fèi)等因素進(jìn)行調(diào)整，準(zhǔn)確定位員工在兩張工資支票之間任一時(shí)間點(diǎn)已經(jīng)獲得的收入。“PayActiv基本不必承擔(dān)風(fēng)險(xiǎn)，因?yàn)樗皇穷A(yù)先支付了員工已經(jīng)獲得的工資?！眳⑴c該研究的哥倫比亞大學(xué)商學(xué)院和法學(xué)院高級(jí)研究員托德·貝克說。PayActiv對(duì)使用這項(xiàng)服務(wù)的每個(gè)支付期收取5美元的費(fèi)用（這一費(fèi)用通常是部分或全部由雇主承擔(dān)）。

The innovation fueling both business models is the “salary link”—the provider’s ability to directly access wages to ensure repayment of advances or loans. PayActiv applies algorithms to time and attendance data supplied by the employer, adjusting for schedules, tips, and so on, to accurately determine how much an employee has earned at any given point between paychecks. “PayActiv essentially takes on zero risk, as it’s only advancing earned wages,” says Todd Baker, one of the study’s coauthors and now a senior fellow at Columbia’s business and law schools. The firm charges $5 for each pay period in which the service is used (employers often pick up part or all of the fee).

以上文字選自《哈佛商業(yè)評(píng)論》中文版2020年11月刊《幫低收入員工擺脫債務(wù)》

托德·貝克（Todd Baker）和斯尼格達(dá)·庫馬爾（Snigdha Kumar）?丨文

馬冰侖?丨編輯?