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Shoraka Finsolution Sdn Bhd

Image by Niels Steeman

RAYA (Receive-As-You-Earn), owned and operated by Shoraka Finsolution Sdn Bhd RAYA, a financial wellness mobile app for salaried employees to access a portion of their salary as and when it is earned. An employee benefit offered by employers that allows more flexibility and control over the employee’s monthly finances.

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RAYA aims to serve the workforce to increase financial wellness and reduce financial stress. With a digital led platform, it provides on demand access to enable better liquidity and financial resilience.

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The Need for Daily Pay

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Benefits of Daily Pay Employer

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Constraints on Employer to Pay Daily

  • Attract talents

  • Increase productivity 

  • Employee retention

  • For daily expenses such as food, fuel, groceries 

  • Better budgeting

  • For unexpected expenses such as emergency hospitalization, fixing motorcycles/cars etc

  • Tedious as salary processing is time consuming

  • Costly – daily processing would require more manpower

  • Inefficient Cashflow Management – mismatch with cash inflow 

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