In the United States, payday requirements are largely governed at the state level [5.1].
: Technology now allows workers to access earned wages instantly rather than waiting for a scheduled payday. Companies like Uber have seen high adoption of these programs, with 70% of driver payments made through instant pay by 2019 [24]. PAYDAY
: Spending patterns often shift immediately following a paycheck. Consumers typically opt for "quality of life" boosts shortly after being paid, transitioning to necessary status-quo purchases as the date of the next check approaches [20]. In the United States, payday requirements are largely