He thinks these problems could be solved by paying workers more, he agreed that it’s “always better for people to have larger paychecks,” but stressed that there’s a “timing issue” with when they get paid as well when I asked Palaniappan if. “Bills don’t show up on payday,” he said; they’re often due prior to the direct deposit hits. Palaniappan stated Earnin is handling this dilemma by having a calendar that is financial helps people keep an eye on whenever their paychecks are arriving in so when their bills are due, which he stated might help users with cost management. Another function, Balance Shield, aids in preventing overdraft charges by alerting users whenever their bank account stability falls below a particular limit and, via Earnin if they want, automatically transferring money to them.