Paymenow is a financial wellness and inclusion platform that allows employees on demand access to earned wages. The service aims to empower users on how to migrate away from indebtedness. The platform promotes responsible financial behaviour and encourages saving. Our vision is to initially ease the burden inflicted by payday and micro lenders through affordable realtime access to cash and to then educate and assist reaching financial goals. Paymenow, happy employee, happy employer. * 10x more affordable than payday lenders * Real-time access to money in case of emergency * Direct Payroll Integration. * Responsible access to cash. Tiering based on behaviour. * Financial education * Free savings and investments products * Rewards and discounts * Pay bills to avoid penalties or termination of services * Purchase airtime and electricity