Revolutionizing Payroll: The Earnin Story with Ram Palanappian

Revolutionizing Payroll: The Earnin Story with Ram Palanappian

From This Week in Fintech by This Week In Fintech

January 20, 2026 · 46 min

About this episode

Nik Milanovic interviews Ram Palanappian about how Earnin is changing the way employees access their wages.

In this episode, Nik Milanovic interviews Ram Palanappian, the CEO and Founder of Earnin, a fintech company that is revolutionizing how employees access their wages. Ram shares the origin story of Earnin, which began when he realized that many employees were struggling with cash flow issues, leading to late fees and overdraft charges. He discusses how he initially provided employees with early access to their earned wages, which evolved into a full-fledged product that allows users to access ...

People in this episode

Host: Nik Milanovic

Guest: Ram Palanappian

Topics covered

  • payroll
  • fintech
  • cash flow
  • employee wages
  • financial wellness

Keywords

  • Earnin
  • payroll
  • fintech
  • cash flow issues
  • early wage access

Mentioned in this episode

Organizations: Earnin

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