This episode features a conversation about earned wage access with SmartWave CEO Simon Ellis. EWA is an increasingly common tool that gives employees access to wages before payday, usually for a small fee. EWA platforms are popping up all across Africa, where the need is acute. By some measures, nearly 80% of lower-wage workers in South Africa run out of money before payday, leaving them vulnerable to payday lenders. Simon walks us through the business model, detailing both its challenges and opportunities.