by leveraging the power of the payroll system, i was able to provide our members with unique tools that eliminate the need for payday loans, influence how people save for a rainy day, and eliminate banking fees.
1) cashout: a free cash advance linked to payroll that used real time tracking of hours and direct control of paycheck flows to underwrite risk, giving hourly workers fee-free access to earned wages instead of costly payday loans. The innovation was later patented. 2) savings goals: Apple-like four-click onboarding using real‑time payroll data and defaults to drive adoption well above category benchmarks. 3) smart debit card: paycheck splitting and automated bill envelopes helped users stay on budget without fees or extra apps.
applied rapid discovery workshops, data‑driven underwriting models, compliance‑ready architecture, and storytelling that resonates with end users. reached over 500,000 active users in the first year, generated $10M in annual revenue, and strengthened customer acquisition and retention by offering core features for free and differentiating the client's brand.
