Working Daily, Paid Monthly? Effects of On-Demand Wage Access on the Financial Engagement of Low-Wage Workers

The authors thank the senior editor, the associate editor, and the three anonymous reviewers for their invaluable feedback and guidance. The authors are deeply indebted to Professor Chul Ho Lee (KAIST) for his consistent feedback throughout this research, which enabled them to critically reflect on our work and strengthen its analytical rigor. The authors are equally grateful to Professor Jooyoung Park (Peking HSBC) for her invaluable insights in designing our online experiment and crafting the survey and interview questions that were central to this study. The authors further appreciate the helpful comments from participants at the Marketing Science DEI Conference and CIST 2023. Finally, the authors gratefully acknowledge the partnering organization for its generous support of this research.