A native Canadian with a degree in molecular biology and computer science… and also the only guy I’ve ever met that can create a successful analogy using payments and farming, Instant Financial Founder and CEO Steve Barha speaks to us about the necessity to support financial health in some of the world’s most vulnerable populations.

The pioneers of no-fee-no-interest earn-wage access, Instant Financial is taking a proactive stance when it comes to ensuring financial inclusion. And Steve’s personal vision when it comes to the financial status of the every-day employee? To live in a world where living paycheck-to-paycheck is completely extinct.

So, how close are we? Sadly, not close enough. 

With 80% of working Americans still living paycheck-to-paycheck, we are actually worse off now than we were 10 years ago, when the number was 60%. But Steve and his team have a strategy…

It all comes down to proactively lifting the underserved communities from the status of “financially vulnerable” to at least be “financially coping.” Once that has been achieved, they can then graduate to “financially healthy.”

Tune in and hear us talk about all things financial inclusion and see if you share Steve’s vision for the future.