Earnin operates in the earned wage access space; they are going the B2B route, partnering with employers to offer benefits to employees; the process for employers is straightforward since no changes to the payroll process are necessary; Earnin works directly with employees and tracks how much their working by timesheets or through location tracking on a mobile device; their competitors include DailyPay and PayActiv, which both have infrastructure which integrates directly with payroll; to date Earnings has raised $190 million. Business Insider
