The article is an interview with Scott Austin, CEO of PayLab, a company that provides wage access and rewards platform for employees.

Scott discusses his background in technology and how PayLab was founded by a baker and property developer to address the need for wage advances.

He explains that the company has pivoted from solely offering wage advances to also providing a rewards platform with digital gift cards and discounts at various retailers. Scott highlights the growing market for responsible wage access solutions, especially during tough economic times.

He shares insights into PayLab's user demographics, average spending on the platform ($550 per month), and partnerships with companies like Rent.com to enable rent payments through rewards.

Looking ahead, Scott aims to scale the business by introducing more payment options, savings initiatives, and premium rewards categories like travel and wine.