Earned wage access – A global study on benefits and risks

This report provides an overview of Earned Wage Access (EWA) services and assesses their potential benefits and risks for both workers and employers. It also examines how they interact with labour and financial regulations. The findings are intended to support regulators, employers’ and workers’ organizations, and enterprises considering offering EWA to their workforce.

• Date: 09/04/2025
• Sector: Any
• Topics: Digital technology, Inclusive finance, Workers' rights
• Regions: Global
• Resource type: ILO Publications
• Institutions: The ILO's Global Centre on Digital Wages for Decent Work