There is a large population of blue-collar and lower salaried personnel that faces financial issues for due to low salaries, credit scores or lack of information about options available. Thus, this market falls prey to unorganized moneylenders (who engage in excessive usury or riba) or seek loans from employers or their network – which may not always happen.

For a proper Islamic society to function, everyone needs to have access to peace of mind. And access to money and proper credit ensures financial inclusion and prosperity for all.

ConviPay provides employers and employees with a payroll-based digital wallet solution that covers a wide variety of uses.