Zero-touch payroll management system

A system for zero-touch payroll management, comprising:

• a payment engine comprising a first plurality of programming instructions stored in the memory and operating on the processor, wherein the first plurality of programming instructions, when operating on the processor, causes the computer system to:
• receive a precise work time based on clock-in and clock-out times of a staff member;
• retrieve a staff profile for the staff member from a database, wherein the staff profile comprises a rate of pay, a payroll deduction, a tax rate, and a payment profile;
• update the payment profile by querying an employee device, the payment profile comprising a set of dates for a preferred split payment and payment method set by the employee device;
• calculate a net pay for the staff member, the net pay being based on the information in the staff profile;
• if the net pay is greater than a balance in a payment account, retrieve and process a micro-loan offer, wherein the micro-loan offer provides at least the amount difference between the balance and the net pay;
• and
• disburse a payroll deposit, wherein the preferred split payment amount is transferred from the payment account to the payment method.