Enabling Instant Wage Access for Employees Through a Scalable Early Payroll Platform

Enabling Instant Wage Access for Employees Through a Scalable Early Payroll Platform

Enabling Instant Wage Access for Employees Through a Scalable Early Payroll Platform

Oct 14, 2025

Problem Statement:

Fintech startups aimed to improve employee satisfaction by offering early access to earned wages, requiring seamless integrations with payroll, ID systems, and banking infrastructure for real-time payouts.

  • Required integrations with varied payroll and banking systems 

  • Onboarding complexity with multiple ID providers (Azure AD, Google Workspace, etc.) 

  • Need for fast and secure fund transfers to employee accounts 

Solutions

  • Built a hybrid mobile app with native deployments for iOS and Android 

  • Developed a web portal for employees to manage balances, view history, and initiate withdrawals 

  • Used a serverless cloud-native architecture for rapid deployment, scalability, and cost efficiency 

  • Integrated with payroll and payout systems to enable instant fund transfer 

  • Created an admin dashboard for employers to brand the app, review requests, and manage approvals 

Business Outcomes:

Technological Framework:

Frontend & Mobile:

  • React Native 

  • React JS 

Cloud & Backend:

  • Azure Functions 

  • Azure SQL Server 

  • Pulumi (Infrastructure as Code) 

  • Azure CDN / Blob Storage 

  • App Insights

Integrations & Communication:

  • Azure AD 

  • SendGrid