Wonga in administration but still a need for pay day loans?

‘The demand for Wonga-like payday lenders is only going to rise and rise. Blame the digital age and its emphasis on speed and flexibility in all things.’ .... Why don’t we apply that same speed to payments and providing healthier cash flow for people as a way to prevent the need for short term lending in the majority of cases?

https://www.theguardian.com/business/2018/sep/02/wonga-gone-gig-economy-still-with-us-payday-loans