「釋義」

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

「應用場景」

哈佛大學肯尼迪政府學院的一項研究，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)會與雇主合作，提供新的金融服務作為員工福利的一部分。PayActiv會預支員工已獲得但尚未收到的工資。該公司有時與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。Salary Finance則更進一步，為員工提供低成本貸款，可以抵扣工資，自動償還?？偛吭O在英國的Salary Finance已將業(yè)務擴展到美國，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.

推動這兩種商業(yè)模式的創(chuàng)新是“工資搭橋”——服務提供商可以直接獲取借款人的工資，確保預付款或貸款的償還。PayActiv將算法應用于雇主提供的工作時間和考勤數(shù)據(jù)，根據(jù)工作排班和小費等因素進行調整，準確定位員工在兩張工資支票之間任一時間點已經(jīng)獲得的收入?！癙ayActiv基本不必承擔風險，因為它只是預先支付了員工已經(jīng)獲得的工資?！眳⑴c該研究的哥倫比亞大學商學院和法學院高級研究員托德·貝克說。PayActiv對使用這項服務的每個支付期收取5美元的費用（這一費用通常是部分或全部由雇主承擔）。

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)評論》中文版2020年11月刊《幫低收入員工擺脫債務》

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

馬冰侖?丨編輯?