From gig workers to full timers, it seems people need to get paid faster than ever these days. That's why Visa Direct is helping businesses across the globe strengthen their workforce and increase retention by giving employees fast access to the money they've earned. On this episode of Money Travels, presented by Visa, host Indre Viskontas is joined by three very exciting guests: the Head of Global Commercialization for Visa Direct, Mike West, Senior Director of Payroll and Benefits at Ralph Lauren, Paul Simpson, and Strategic Initiatives Director at CloudPay, Nick Newman. Together, the four discuss the latest developments in wage access that help employers pay their workers fast - and what implications these innovations might have for the future of work.Actual fund availability varies by receiving financial institution, receiving account type, and whether transaction is domestic or cross-border. Please refer to your Visa representative for more information on availability. Use cases are for illustrative purposes only. Program providers are responsible for their programs and compliance with any applicable laws and regulations. Twelve months 1 October 2021 – 30 September 2022. Visa Inc, Quarterly Results, Q4 2022 Transcript. This podcast contains forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995 that relate to, among other things, our future operations, prospects, developments, strategies, business growth and financial outlook. Forward-looking statements generally are identified by words such as "believes," "estimates," "expects," "intends," "may," "projects," “could," "should," "will," "continue" and other similar expressions. All statements other than statements of historical fact could be forward-looking statements, which speak only as of the date they are made, are not guarantees of future performance and are subject to certain risks, uncertainties and other factors, many of which are beyond our control and are difficult to predict. We describe risks and uncertainties that could cause actual results to differ materially from those expressed in, or implied by, any of these forward-looking statements in our filings with the SEC. Except as required by law, we do not intend to update or revise any forward-looking statements as a result of new information, future events or otherwise. Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this recording, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. Visa Direct capability enabled through financial institution partner. Visa neither makes any warranty or representation as to the completeness or accuracy of the information within this podcast, nor assumes any liability or responsibility that may result from reliance on such information and any information from third parties. The information contained in this podcast is not intended as investment or legal advice, and listeners are encouraged to seek the advice of a competent professional where such advice is required. All brand names, logos and/or trademarks are the property of their respective owners, and do not necessarily imply product endorsement or affiliation with Visa. Wallet functionality varies by market. Please consult your Visa Representative. Earned Wage Access Preferences Survey (April 2019). Commissioned by Visa and conducted by AYTM among 1,000 employees across the United States.