Ram’s expertise: problem solving, building businesses, business strategy, general management, execution in start-up/high growth environments, product strategy, product management, product development, innovation, analytics & data analysis, operationalizing algorithms, payments, payment systems, unbanked and underbanked markets & prepaid debit cards.
Ram Palaniappan, CEO
Headquarters: Palo Alto, CA
At Earnin, we’re making money work in a way that’s good for everyone. We’re driving consumer-empowered finance by unlocking the more than $1 trillion held up in pay cycles each year. We’re putting that money into workers’ hands using a streamlined mobile app that allows people to get paid when they want. Customers just track the number of hours they’ve worked, then request their pay when they want it. All they need is an electronic timesheet and direct deposit. The app also supports individuals who are paid “per task,” such as Uber and Instacart workers. Instead of charging set fees or high interest rates, Earnin provides a “pay what you think is fair” service, allowing customers to select an optional tip with each transaction. Together with our customers, we’re creating a future based on what’s possible, rather than the way it’s always been done.