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For companies who make e-Duction available to their employees, e-Duction handles all
enrollment, payroll administration, and customer service on behalf of the employer.
Smaller businesses will be able to offer the service as well, predominately through the
major payroll services.

The e-Duction service limits an employee's line of credit to two and a half percent
of his or her gross salary. For example, an employee earning $40,000 a year would have
a credit line of $1,000. Twenty-five percent of the purchase amount is deducted from
each of the next four paychecks, with an option for a longer-term payoff.

Of course, the employer doesn't want to get stuck with a bill if the employee
charges $1,000 and then quits the next day. In cases like this, there are three
options. Employees can sign up for an overdraft line of credit, pay the entire amount
out of the last paycheck, or, if they become employed with another company who also
offers the same service, roll their balances over.

"Early adapters are technology companies," said Watkins. "These companies are not
afraid of new technology. They design and develop it every day."

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