Paywatch partners with employers and banks to provide workers with instant access to their earnings before payday. Workers regularly face cashflow issues between paychecks. The need to raise cash before payday leads to emotional and financial distress, and a spiral of debt through negative borrowing habits. Paywatch enables employees to access low-cost financing from our partner banks by withdrawing what have already earned to meet their cashflow needs. The improvement in workers' financial wellbeing leads to greater employee retention and productivity for employers. Paywatch currently operates in South Korea and Malaysia with offices in Hong Kong and Singapore.