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Ram Palaniappan

Ram Palaniappan is a financial tech entrepreneur who previously pioneered direct deposit onto prepaid cards as an alternative to check cashing. During this time, Ram began helping his employees by writing them personal checks when they needed money before payday. This hack to overcome the inflexible payroll system laid the foundation for Ram’s next venture, Activehours, which aims to reinvent the way people get paid and liberate the over $1 trillion held up every two weeks in the payroll system.Using the app, hourly workers are able to cash out their wages any time they want, without waiting for payday. Activehours currently helps people from more than 7,500 companies access wages that would have otherwise been held up in the payroll cycle. Ram is creating products that make money work for everyone.