world been so connected. This interconnectedness allows us to see and take part in events that take place all around the world. But how much of an impact can one person with a computer have? Not much, according to Malcolm Gladwell. In his essay “Small Change”, Malcolm Gladwell argues that the movements that occurred pre social media have longer lasting effects versus the
encounter a sudden change in social behavior that allows them to spread exponentially. A key factor to a tipping point is whether the change becomes permanent. The market that serves the underbanked population with improved financial products is unmet, which provides an opportunity for companies like Workpays.me to prosper. Access to credit via payroll deduction for online shopping in the underbanked population has not yet tipped, but could in the not too distant future. Gladwell asserts that large