# Revolutionizing Payroll: The Earnin Story with Ram Palanappian

Page: https://stenobird.com/podcast/this-week-in-fintech-6007929/revolutionizing-payroll-the-earnin-story-with-ram-palanappian
Text version: https://stenobird.com/podcast/this-week-in-fintech-6007929/revolutionizing-payroll-the-earnin-story-with-ram-palanappian.md
Podcast: [This Week in Fintech](https://stenobird.com/podcast/this-week-in-fintech-6007929)
Published: 2026-01-20T17:22:25+00:00
Episode link: https://www.buzzsprout.com/2596439/episodes/18689610-revolutionizing-payroll-the-earnin-story-with-ram-palanappian.mp3
Audio file: https://www.buzzsprout.com/2596439/episodes/18689610-revolutionizing-payroll-the-earnin-story-with-ram-palanappian.mp3
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JSON: https://stenobird.com/v1/public/podcasts/this-week-in-fintech-6007929/episodes/revolutionizing-payroll-the-earnin-story-with-ram-palanappian
Duration seconds: 2773

## Resource

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 ...

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## Transcript

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