One of the biggest strengths of the Bangladeshis is resilience in the face of challenges, persistently figuring out solutions to any problem we confront. Inspired by this optimistic spirit, উপায় (upay) was founded to become a companion that makes customer journey simple, secured and convenient, while availing financial services. উপায় (upay) is the digital financial service brand of UCB Fintech Company Limited, a subsidiary of the United Commercial Bank. Upon receiving the license from Bangladesh Bank, উপায় (upay) started its journey in early 2021, offering a broad range of mobile financial services to people from all walks of life. উপায় (upay) product and services include mobile transactions, utility bill payment, in-store and e-commerce payment, inward remittance, salary disbursement, airtime recharge and other value added financial services. Customers can avail the services from our nationwide agent and merchant network at an affordable charge.Driven by the ‘Digital Bangladesh' vision, উপায় (upay) aims to actively contribute in transforming the financial landscape of the country. উপায় (upay) offers easy access to seamless digital financial solution, touching the lives of millions of people, and thus driving financial inclusion in the country. Embracing empathy as a core pillar of our value system, উপায় (upay) aims to usher in a new era in the digital financial service industry by keeping the customer's needs at the front and center of everything we do. No matter what challenges our customers' face, as a companion, we promise to be their reliable problem solver, offering a delightful customer experience, complete security, and meaningful innovations.