Completely unrelated to this blog post but I really dislike Fintech saying "Get paid early" in their promos. It's clearly marketing at someone too stupid to be able to see right through how utterly useless that is. If you are celebrating getting your paycheck 1 day earlier (every time) then your financial literally and financial health are probably in the toilet. They _must_ know they are preying on people with state…
Though, in some cases (like when it's your bank saying it), it's usually just them frontrunning reliable (coming from a payroll provider) and predictable (getting paid the same time each month) ACH transactions with a near-zero likelihood of not settling, then crediting you the money before the ACH is totally settled, so not ALL cases are fintech gimmicks.
But most are, and unfortunately, as the proliferation of payday loans shows us, there is no shortage of desperate people and organizations willing to take advantage of that.