Yourpower

Power (yourpower.io) operates a digital financial wellness platform that delivers what it describes as a workplace banking experience, distributed through employers and institutional partners rather than directly to individual consumers. Workers access the service through a mobile app and USSD, while HR and administrative staff use a web portal to manage onboarding, access, usage and payroll-linked processes. The platform integrates with payroll so that salary advances, savings, loans and insurance can be offered without additional manual work for HR and finance teams.

The product is organised into four live services — Power to Pay (everyday payments and cash-flow tools), Power to Save (automated savings), Power to Borrow (credit for emergencies) and Power to Protect (structured insurance access) — plus a fifth service, Power to Plan, described as forthcoming and intended to provide personalised guidance, planning tools and financial education. Access is gated at the organisation level: workers can only use Power once their employer or institution has been set up on the platform. Onboarding for prospective clients begins with a demo, after which Power assesses the client's model, needs and rollout approach before recommending a configuration. The site states that the company is regulated, and displays counters for workers, companies, amounts disbursed and loans, though the figures are not rendered as static values.

Business model

Power sells into organisations — employers, financial institutions, SACCOs and cooperatives, and HR/payroll technology platforms — which then make the platform available to their workers or members. Its positioning to corporates is the reduction of HR and finance workload associated with salary advance requests and employee cash-flow pressure; to financial institutions and platform partners, it is a means of extending financial services and embedding financial wellness into existing ecosystems.