Case Studies

Vui App: Earned Wage Access for Vietnam’s Blue Collar Workers

Vui App is a business-to-business-to-consumer (B2B2C) flexible salary and welfare platform owned by Nano Technologies. The platform provides a Earned Wage Access (EWA) solution that lets workers access their salaries on an on-demand basis, so they have better control over their personal finances and cash flow.

Vui App was founded to address illegal moneylending and lack of financial education in Vietnam. Millions of workers in Vietnam live pay check-to-pay check and struggle with cash flow constraints at the end of each month. Many lack access to viable financing options and are forced to resort to predatory lending, which charge annualised interest rates between 300% to 500%. This was exacerbated by the pandemic and other global macro crises that converged to increase the cost of living. Underbanked workers faced unsustainable levels of debt and lived at the threshold of poverty. Labour shortages occurred as a result, particularly in the manufacturing industry, as workers returned to their provincial hometowns due to the absence of a reliable financial safety net.

Through specialised, customer-centric embedded financing products, Vui App is able to extend salary advances to workers to bolster financial security and resilience. Its primary goal is to enhance their financial security through its EWA product, along with additional services such as attendance tracking and personal financial management education. The EWA model is able to address the critical needs of workers who struggle to pay emergency expenses, providing an alternative source of capital.

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