Most fintech is built for a smartphone with a good screen, a data plan and someone comfortable tapping through menus in English. A large share of the workforce we serve has none of those things, and building for the phone they do not own is the surest way to leave them behind.
So Olyive has no app, and it never will. Every account runs by voice, over an ordinary phone call, in the worker's own language.
One call does it all
A worker dials a number and hears clear options in Bangla. From that single call they can add money to the card, block or unblock it in seconds, check the balance and recent payments, and arrange a cash-out at any agent or ATM.
There is no download, no login screen and no update to install. The interface is a conversation, and everyone already knows how to have one.
Made for the phone people already own
Voice works on a basic feature phone as well as it works on the newest handset. It works when data is patchy and when a screen is cracked. It works for a worker who cannot read comfortably, because listening and speaking ask nothing extra of them.
The card and its payable cover handle payments in person. The phone call handles everything else. Between them, a worker holds a complete financial life without ever needing a smartphone.
Accessibility is the product
It would be easier to ship an app and call it a day. But easy for us is not the same as fair for them. Building for voice is a deliberate choice, and it is the reason Olyive reaches people other services quietly exclude.
Published by Olyive Fintech Ltd.
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