SmartWage is a brand new, unique solution that increases value for Employers and Employees. Employees using our solution can cash out their annual leave instantly, and spend it via a SmartWage MasterCard. EMPLOYEES - never pay any fees or interest as they access money already owing to them - can chose how they use their money - access leave to fund life's big moments and make memories - reduce bill stress by using some annual leave to pay unexpected bills - use SmartWage to improve physical and financial health! EMPLOYERS - happier, healthier, more engaged staff - attract and retain talent - reducing leave balances and improve the balance sheet - improve profitability - smooth cashflows.