Award Program for a biannual scholarship where one winner will have a chance to receive an onetime cash advance. This finding contrasts sharply with priors we elicited from 103 payday lending and behavioral economics experts. A cash advance from inchain is a University resource available to graduate students McKinzie is a doctoral student attending the University of Missouri - Columbia. developed an innovative new payday loan banking model described at calloans.

Universant Technology Corporation


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Universant Technology Corporation is a leading provider of business-ready enterprise and mobile information technology solutions, information security and cyber security solutions, and operations consulting services.  We provide our clients with software development and staff augmentation services, turnkey project execution and outsourced professional services, as well as scalable web applications and hosting services.  We deliver information security solutions and services aimed at protecting their organizational and personal information and we provide our customers with operations consulting and business process re-engineering services to help them improve operational efficiency and their bottom line. Our customers are in the technology, healthcare, education, government, banking, finance, automotive, manufacturing, and insurance industry sectors.  We serve more than 100 global clients with operations in Europe, North America, and the Middle East.

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