Making payday lending redundant, with Caroline van der Merwe and Simon Ellis (Jem)

<p>South Africa has an awkward history with payday lending and payday adjacent lending, so I was a touch concerned when I first heard that a fresh pair of South African entrepreneurs were looking to shake up the industry. Luckily, all my concerns were misplaced, because <a href="https://www.smartwage.co.za/" rel="noopener noreferrer" target="_blank">SmartWage is not looking to rethink payday lending, they're looking to make it redundant</a>.</p><br><p>You can read more about SmartWage, now re-branded as Jem at <a href="https://www.jemhr.com/" rel="noopener noreferrer" target="_blank">https://www.jemhr.com/</a> </p><br><p>In today’s episode, we talk about digitising communication between employers and employees, removing trucks’ worth of paperwork, and providing access to earned wages.</p><br><p>Follow <a href="https://www.linkedin.com/in/carolinevandermerwe/" rel="noopener noreferrer" target="_blank">Carolyn van der Merwe on LinkedIn</a> for news on <a href="https://www.linkedin.com/company/jemhr/" rel="noopener noreferrer" target="_blank">SmartWage</a> but also updates from the <a href="https://www.linkedin.com/company/yale-africa-startup-review/" rel="noopener noreferrer" target="_blank">Yale Africa Startup Review</a> (or just head there directly at <a href="https://www.yasr.org/" rel="noopener noreferrer" target="_blank">https://www.yasr.org/</a>)</p><br><p>Follow <a href="https://www.linkedin.com/in/simon-ellis-2aa14a8b/" rel="noopener noreferrer" target="_blank">Simon Ellis on LinkedIn</a> for news on <a href="https://www.linkedin.com/company/jemhr/" rel="noopener noreferrer" target="_blank">SmartWage</a> but also his thoughts on leadership and his podcast hot tips - including <a href="https://fs.blog/knowledge-project-podcast/" rel="noopener noreferrer" target="_blank">The Knowledge Project</a> and <a href="https://tim.blog/podcast/" rel="noopener noreferrer" target="_blank">The Tim Ferris Show</a> which were mentioned.</p><br><p>Follow <a href="https://www.linkedin.com/in/simon-ellis-2aa14a8b/" rel="noopen