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On-demand Pay: A Faster Horse?

What’s on-demand pay have to do with a faster horse? We explain how by using the same user experience thinking as tech giants like Google and Amazon, you can avoid falling into the trap of giving employees “what” they ask for, and instead dig deeper to grasp the reason “why.”

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Is on-demand pay the best financial wellness solution?

Core Insights include:
  • What on-demand pay is, what its pros and cons are

  • What the data says about how effective on-demand pay is at creating financial wellness

  • Why it could be counter-productive to offer this benefit in isolation

  • What’s really behind employees’ interest in on-demand pay

  • How to offer on-demand pay in a way that truly makes employees healthier

A look inside

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“The first rule of user research: never ask anyone what they want.”

– Erika Hall, Just Enough Research

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Why we wrote this

On-demand pay is an important benefit: It helps employees experiencing financial shocks avoid predatory financial products such as payday loans and exorbitant overdraft fees.

However, on-demand pay solutions — and the reasons employees ask for them — can be more difficult to understand. This ebook is meant to help employers approach their exploration of on-demand pay vendors with a strong foundation of knowledge and understanding.