technology never ends...in the payroll world for 'unbanked' employees is the terminology for employees who don't have bank accounts, (yes persons do exists) there is an option to offer debit payroll cards. it will also work for international payments to employees in countries where there are direct deposits or wire transfer limitations.
industries where seasonal, students, international contract workers are part of the normality, this seems to be an efficient idea.
similarly, banks are already offering gift debit cards that can be re-loaded particularly aimed at the up growing younger generation where instead of bundled gifts, we have the option of the options.
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