By
Vishal Bhidu
Launched by super platform Little APP in Kenya, MySalary App, tagged as a coming of age app, is set to transform the way employees across Africa to access their earned wages, lending financial freedom and flexibility like never before.
This on-demand salary access solution, enabling employees to withdraw a portion of earned wages as and when needed, boasts several unique features.
Looking at the way the app is aiming to transform lives on the continent, Platform Africa speaks exclusively to the Chief Operating Officer of Little APP in Kenya, Niladri Roy.
Posing as a unique nano-lending platform that allows employees to access small salary advances on a number of working days in a month, MySalary is already proving to be a game-changer across fintech in Africa by leveraging financial freedom and flexibility.
In this tete-a-tete with Platform Africa, the Chief Operating Officer of Little App in Kenya, Niladri Roy, emphasised: “In an era where digital finance is rapidly evolving with the mushrooming of crypto platforms without always prioritizing user protection, security, trust and reliability are non-negotiable for us.”
He further adds: “MySalary is built on three core pillars: safety, compliance, and transparency,” while underlining the app’s unique features.
•Data Security:
“We use bank-grade encryption, secure authentication, and strict compliance frameworks aligned with Kenyan financial regulations. Users’ salary and personal data are protected through robust security protocols and access controls.”
•Reliable Transactions:
“All disbursements and repayments are processed through regulated banking channels and payroll integrations, ensuring that employees receive their earned wages safely, instantly, and without friction.”
•Zero Speculation, Zero Risk:
“Unlike unregulated crypto ventures, MySalary does not expose workers to market volatility or investment risks. Every withdrawal is backed by the employee’s earned income and validated by their employer—making the system inherently secure and predictable.”
Little, Niladri Roy says, is leaving no stone unturned with the coming up of a spate of initiatives, the latest being MySchool.
He says: “With the upcoming introduction of MySchool, we extend the same reliability to school-fee payments. Many parents struggle with lump-sum school fees every term. MySchool allows them to withdraw the required amount from their earned wages with employer-backed collateral—giving families stability while keeping children in school.”
“Our mission is simple. To provide low-income workers with safe, responsible, and dignified financial access—without exposing them to debt traps or speculative risks,” he added.
There are several benefits offered by MySalary on one hand, for employees, such as financial flexibility and control, emergency funds without high-interest loans, better budgeting and financial planning, while for employers, increased employee satisfaction and retention, no change to existing payroll processes, zero cost to implement, enhanced employee productivity, and easy integration with the existing HR Payroll system.
To put simply, MySalary operates in the salary advance and earned wage access (EWA) space and is designed for employees spanning across enterprises in helping to access earned wages before pay day through a nano borrowing facility.
Its unique value proposition, according to the brand, lies in providing instant liquidity without debt traps, fostering financial wellness, which will help bolster employer-employee relationships, responsibly and sustainably, while overcoming a gap that traditional lenders fail to address.
Little is targeting a potential annual revenue of USD 6 million for MySalary is looking at the huge potential of salaried employees in Kenya and Africa, aiming to onboard 100,000 active employees in the next 12–18 months, expecting each employee to take an average salary advance of USD 100 per month. Taking into account 5 per cent processing fee, the monthly revenue would account for $500,000 per month.
