The Woolard review noted that the salary advance schemes market was predominantly found in the hospitality, retail and healthcare markets and was still in a stage of relative infancy. It stated that salary advances could result in some users experiencing a shortfall in income at the end of the month, leading to the risk of persistent use of the product, escalating charges or driving consumers to use mainstream or potentially high-cost credit to ‘bridge the gap. The review identified the importance of providers and employers monitoring usage and proactively engaging with employees when there are indications they are in financial difficulty, and the need for greater clarity over who has ultimate responsibility for monitoring and supporting individual employees who may be in financial difficulty.31