Ram Palaniappan

Founder & CEO, EarnIn · 1 appearance on the record.

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Ram Palaniappan is the founder and CEO of EarnIn, a financial technology platform providing earned wage access. Prior to founding EarnIn, he held leadership roles at UniRush and its prepaid card business, RushCard.

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1 assertion · 3 disclosures · every statement was checked. The predictions and assertion are the 1 claim: statements the public record can support or contradict. 0 are resolved, and 1 names no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

What they said4 Episodes1

Everything Ram Palaniappan said on the a16z Podcast that made the record, most notable first. Filter by type, assessment or year in the ledger →

Disclosure

Palaniappan: Earnin approves wage access without credit decisions or SSNs

“We don't say no. If you worked, you get your pay. We don't do any of the decisions. We don't ask for social security number. Don't ask for your phone number. Don't ask for your home address.”

Ram Palaniappan Jan 2, 2019 ▶ 8:05 a16z Podcast | Fintech for the People

Assertion Not checkable as stated

Palaniappan: On-demand wage access eliminates overdraft fees and payday loans

“And when I did this, they were paying all their bills on time, no more overdraft fees, no more payday loans, like their life was much, much simpler, just giving them access to the pay that they had already earned.”

Ram Palaniappan Jan 2, 2019 ▶ 3:33 a16z Podcast | Fintech for the People

Disclosure

Palaniappan: Earnin operates on voluntary user tips without mandatory fees

“Yeah, I mean, so our product, when people hear about it the first time, it's you can get your pay whenever you want, and we don't charge any fees or interest, so we let the users just pay whatever they would like to pay, so it's get your pay whenever you want,…”

Ram Palaniappan Jan 2, 2019 ▶ 12:23 a16z Podcast | Fintech for the People

Disclosure

Palaniappan: Earnin serves employees across more than 25,000 companies

“Today we do it in a far more automated way for employees from over 25,000 companies.”

Ram Palaniappan Jan 2, 2019 ▶ 3:43 a16z Podcast | Fintech for the People

Appearances (1)

Episode	Date	Speaking time
a16z Podcast \| Fintech for the People	Jan 2, 2019	5m

Ram Palaniappan

Appearances (1)

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