Payment Solutions International (PSI) offers a Payroll Deduction Management System (PDMS) which is focussed on creating an efficient eco-system of financial safety that allows low and middle income employees in emerging markets to successfully leverage their earnings to create more value in their lives. Given that financial literacy and education is still in its infancy for most of world's burgeoning low and middle income communities, for whom property ownership (among other financial investments) will become a key stepping stone to future progress. PSI's PDMS assists in fulfilling an important gap in the market.