美国95后的理想工作：能按日付薪
Z世代（指1995年至2009年出生的一代人）所期待的工作：休闲着装规定，办公室允许携带宠物，还有按天领取工资。
代际动力学中心（Center for Generational Kinetics）的最新报告称，大多数（61%）的Z世代希望雇主提供按日付薪选择。该中心表示，作为在日薪制时代成年的第一代人，Z世代希望尽快领到工资是有道理的。
按需支付薪酬经常提供给在标准双周付薪制度下依靠工资维持生计的员工。这种做法通常被称为“实得工资支取”，可以帮助员工按日领取工资，用于及时支付贷款和账单，避免逾期、透支费和高额工资日贷款利息等。
这种做法可能对Z世代有所帮助。Z世代主要领取初级工资，而且与新冠疫情相关的经济困境对他们的影响最为严重。代际动力学中心发现，Z世代失业、降薪或每周可用工时减少的比例最高。虽然从新冠疫情爆发至今，情况基本恢复正常，但那段经历让Z世代迫切希望避免负债或者拖欠付款。
在年轻人看来，要求按日付薪并不过分。他们习惯了一切尽在掌握。
按需支付软件公司DailyPay的首席创新与营销官珍妮·沃尔登告诉《财富》杂志，新冠疫情加快了“按需付薪”的流行，送餐、叫车、住房甚至车辆买卖都能够一键完成。她表示，薪酬自然是下一个前沿领域。
她补充道：“对许多人来说，这是一种积极的变化，但对Z世代而言，[按需获取事物]只是他们的成长方式。关键不止在于他们知道什么，而在于他们期待什么。”
沃尔登称，DailyPay的用户数据显示过去五年多，Z世代对按需付薪日益感兴趣。她指出，既然人们可以通过Cash App或Venmo即时给朋友转账，为什么雇主不能在每次轮班之后实时将工资支付给员工？
但按日付薪有一个问题。除非雇主将按需支付薪酬限制在较低金额，否则员工可能需要不断预支薪酬，以弥补工资减少之后的差额。GOBankingRates对1000人所做的调查发现，40%按日领取薪酬的美国人依靠工资维持生计，34%没有储蓄。
审计师兼会计师萨尔瓦多·冈萨雷斯向雅虎（Yahoo）表示：“按日领取薪酬的员工领到工资后会立即花掉，并且只能数着天数过日子。领取日薪的员工，[相比双周付薪的员工]拥有银行账户、储蓄或积累资产的可能性较低。”
当然，并非所有人都是这种情况。沃尔登表示，虽然“实得工资支取”能够让所有年龄段的人受益，但年轻人更清楚这种做法如何帮助他们管理现金流和支出。她补充道，Z世代用户查看DailyPay Balance（即时收入计算结果）金额的频率，远高于查看支票账户余额的频率。
她说：“对他们而言，知识就是力量。他们可以清晰地了解自己的购买力。这对所有人都有好处。”（财富中文网）
翻译：刘进龙
审校：汪皓
Z世代（指1995年至2009年出生的一代人）所期待的工作：休闲着装规定，办公室允许携带宠物，还有按天领取工资。
代际动力学中心（Center for Generational Kinetics）的最新报告称，大多数（61%）的Z世代希望雇主提供按日付薪选择。该中心表示，作为在日薪制时代成年的第一代人，Z世代希望尽快领到工资是有道理的。
按需支付薪酬经常提供给在标准双周付薪制度下依靠工资维持生计的员工。这种做法通常被称为“实得工资支取”，可以帮助员工按日领取工资，用于及时支付贷款和账单，避免逾期、透支费和高额工资日贷款利息等。
这种做法可能对Z世代有所帮助。Z世代主要领取初级工资，而且与新冠疫情相关的经济困境对他们的影响最为严重。代际动力学中心发现，Z世代失业、降薪或每周可用工时减少的比例最高。虽然从新冠疫情爆发至今，情况基本恢复正常，但那段经历让Z世代迫切希望避免负债或者拖欠付款。
在年轻人看来，要求按日付薪并不过分。他们习惯了一切尽在掌握。
按需支付软件公司DailyPay的首席创新与营销官珍妮·沃尔登告诉《财富》杂志，新冠疫情加快了“按需付薪”的流行，送餐、叫车、住房甚至车辆买卖都能够一键完成。她表示，薪酬自然是下一个前沿领域。
她补充道：“对许多人来说，这是一种积极的变化，但对Z世代而言，[按需获取事物]只是他们的成长方式。关键不止在于他们知道什么，而在于他们期待什么。”
沃尔登称，DailyPay的用户数据显示过去五年多，Z世代对按需付薪日益感兴趣。她指出，既然人们可以通过Cash App或Venmo即时给朋友转账，为什么雇主不能在每次轮班之后实时将工资支付给员工？
但按日付薪有一个问题。除非雇主将按需支付薪酬限制在较低金额，否则员工可能需要不断预支薪酬，以弥补工资减少之后的差额。GOBankingRates对1000人所做的调查发现，40%按日领取薪酬的美国人依靠工资维持生计，34%没有储蓄。
审计师兼会计师萨尔瓦多·冈萨雷斯向雅虎（Yahoo）表示：“按日领取薪酬的员工领到工资后会立即花掉，并且只能数着天数过日子。领取日薪的员工，[相比双周付薪的员工]拥有银行账户、储蓄或积累资产的可能性较低。”
当然，并非所有人都是这种情况。沃尔登表示，虽然“实得工资支取”能够让所有年龄段的人受益，但年轻人更清楚这种做法如何帮助他们管理现金流和支出。她补充道，Z世代用户查看DailyPay Balance（即时收入计算结果）金额的频率，远高于查看支票账户余额的频率。
她说：“对他们而言，知识就是力量。他们可以清晰地了解自己的购买力。这对所有人都有好处。”（财富中文网）
翻译：刘进龙
审校：汪皓
Gen Z wants the works at work: a casual dress code, pet-friendly offices, and a paycheck every day.
The majority (61%) of Gen Zers would like their employer to provide the option for a daily wage payment, according to a recent report from the Center for Generational Kinetics (CGK). As the first generation to come of age in a time when daily paychecks are possible, per CGK, it makes sense that Gen Z would want immediate access to their wages.
On-demand pay is most often marketed to employees who find themselves living paycheck to paycheck under the standard biweekly payday. Often referred to as earned wage access, it helps workers access funds on a daily basis in order to pay off loans and bills on time and avoid late payments, overdraft fees, and high payday loan interest rates.
That might be helpful for Gen Z, who are largely subject to entry-level salaries and were hit hardest by pandemic-related economic woes. CGK finds they were the top generation to lose their job, have a pay cut, or see a reduction in hours of work available per week. While they have mostly recovered since the pandemic first struck, the experience has made them eager to stave off debt or avoid missing payments.
Daily payment isn’t a lot to ask for in the minds of young workers, who are used to having things at their fingertips.
The pandemic accelerated the rise of an “on-demand world,” Jeanniey Walden, chief innovation and marketing officer of on-demand pay software company DailyPay, tells Fortune: Food delivery, car rides, housing, and even car buying and selling can all be done at the push of a button. Pay, she says, is the natural next frontier.
“For many of us, this is a welcome evolution, but for Gen Z, [getting things on-demand] is just the way they grew up,” she adds. “It’s not only what they know, it’s what they expect.”
DailyPay’s user data has reflected Gen Z’s growing interest in on-demand pay for over five years, Walden says. If people can send money to friends instantly via Cash App or Venmo, she reasons, why can’t employers pay workers real-time after each shift?
But a daily paycheck has a catch. Unless employers cap on-demand pay at a low amount, employees may need consistent early access to their pay to make up the difference of their reduced paychecks. A 1,000-person survey conducted by GOBankingRates found that 40% of Americans who get paid every day live paycheck to paycheck, and 34% have nothing in savings at all.
“Workers that receive their wages daily tend to spend it immediately upon receipt and live on a day-to-day basis,” Salvador Gonzalez, an auditor and accountant, told Yahoo. “People that earn a daily paycheck are less likely [than workers paid biweekly] to have bank accounts, save, or build assets.”
That need not be the case for everyone. While people of all ages stand to benefit from earned wage access, young people better understand how it can help them manage cash flow and expenses, Walden says. She added that Gen Z users check their DailyPay Balance, an up-to-the-minute calculation of their earnings, much more frequently than their checking account balance.
“For them, knowledge is power,” she says. “It gives them a clear understanding of their spending power. That’s good for everyone.”
