Welcome to Global Good’s Impact Interview series. This series is designed to tell the stories of the people and companies working to drive impact in society.
In this edition, we speak with Patrick Enin, founder and CEO of Monesave — the company behind Orukka Smart Payment Rings — about reimagining how the world transacts, the personal experience that sparked the company, and why some of the most meaningful innovation lies in solving the everyday problems that everyone has quietly accepted.
Can you introduce yourself and tell us about your role?
I’m Patrick Enin, founder and CEO of Monesave, the company behind Orukka Smart Payment Rings.
My background is in banking and financial services across Europe, the UK and the US, where I spent years working on payments, trading and structuring. That experience gave me a front-row seat to how money actually moves, how much pain still exists for customers, and how vulnerable people can be when everything in their financial life is tied to a single device: their phone.
I’ve always been obsessed with the intersection of safety, convenience and technology — Orukka is basically that obsession turned into hardware.
Over 53% of us still struggle to reduce our phone screen time. Orukka contributes to reducing phone time and supports a more minimalist lifestyle by allowing users to tap to pay with a ring or bracelet.
How did your company come about and what was the motivation behind it?
The idea was born out of something very personal — and very painful.
A close friend of mine was visiting London when he was stabbed during a robbery. He was targeted for his phone and wallet. That incident shook me deeply. It was a moment of anger and clarity: why is so much of our financial life locked inside such stealable objects?
At the same time, I was watching people — myself included — struggle with phone addiction, constantly unlocking screens just to pay for a coffee, then getting sucked into notifications and social media.
So Orukka was designed to deal with both problems:
- Reduce the physical risk that comes from waving expensive phones and wallets around in public.
- Reduce digital dependency by letting people pay and move through the world without constantly touching their screen.
Our payment and fitness rings have no bright screens, no notifications, no “just quickly checking something.” Our users can simply tap and go.
Can you describe your company’s mission and values?
Our mission is to redefine how the world transacts by making payments seamless, wearable, and effortlessly personal.
One key part of our approach is to make this solution global, which means a lot of collaboration with regulators and banks — without creating pain for customers.
We are building secure, intuitive payment rings that merge elegant design with cutting-edge technology, giving people the freedom to pay with a touch.
What are some of the most pressing social issues that your company is working to address through its technology?
1. Financial Inclusion & Inequality
Globally, a substantial portion of adults remain “unbanked” or “underbanked,” with limited access to formal financial services — preventing many from fully participating in the economy. Wearable payment rings can lower the barrier to entry: they don’t demand a traditional bank card or frequent trips to a bank branch. This can particularly help people in underserved communities, remote areas, or those who lack stable access to banking infrastructure.
2. Convenience, Time Poverty & Economic Mobility
Many people — especially working parents, caregivers, and hourly workers — are burdened by time poverty. Everyday tasks like managing cash, cards, or even just carrying a wallet can add friction. By simplifying payment to “a tap on your finger,” Orukka can save time and reduce mental overhead. This convenience can have knock-on effects: by lowering friction for small transactions and everyday purchases, more people may engage in formal commerce, saving, or budgeting — helping economic participation and financial resilience.
3. Public Health — Sedentary Lifestyle & Chronic Disease Prevention
Worldwide, physical inactivity is a major public-health problem. Insufficient activity levels are linked to serious health issues such as cardiovascular disease, diabetes and obesity, and to increased mortality.
4. Normalising Wellness and Security in Daily Life
Convenience and seamless integration reduce the “activation energy” required for healthy or secure habits. When payment and fitness tools are built into something people already wear — like a ring — compliance and long-term use may improve. This normalisation helps shift broader culture, embedding financial security and physical wellbeing into everyday behaviour.
5. Empowerment and Equality, Especially for Marginalised Groups
Financial exclusion disproportionately affects certain groups, including women, rural populations, and low-income communities. On the health side, by lowering barriers to activity tracking — cost, complexity, visibility — Orukka could help people who might feel excluded from fitness culture, for example those with mobility issues, older adults, or anyone who feels self-conscious using bulky wearables.
How does your company measure the impact of its work in creating positive change?
For our financial inclusion and economic empowerment goals, we track KPIs regularly:
- 20% of Orukka users come from previously underbanked demographics within 24 months.
- A 15% increase in daily micro-transactions for new adopters.
For our fitness rings:
- The average user increases weekly movement by 1,500–3,000 steps.
- 60% of users report improved physical awareness after 60 days, driven by social competition and motivation.
In your opinion, what impact will technology have in creating a better future?
Millions of people still lack access to traditional banking tools. Battery anxiety also remains a real issue — affecting around 90% of users — particularly as more people rely on their phones for payments and as advancements in battery life fail to keep pace.
Orukka’s pay-with-a-tap ring, which requires no battery, will lower these barriers by making digital payments easier and allowing users to pay without exposing their devices or wallets.
What advice do you have for other companies looking to use tech for good and positively impact the world?
The world is saturated with the cliché stories of high-school dropouts who sell their company for billions in less than two years. Real, “boring” problems affecting real human beings remain unsolved.
Start with a real problem — not a cool idea. Tech-for-good isn’t about flashy features; it’s about addressing human needs.
Ask first:
- What problem are we solving?
- Who is struggling with it the most?
- Why hasn’t it been solved yet?
- How do we persevere even when we don’t have support from the industry?
Products rooted in real human challenges create real human impact.
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Patrick’s story is a reminder that the best tech-for-good companies are often born at the intersection of personal experience and structural insight. A robbery on a London street and the daily reality of phone-tethered lives might seem like unrelated problems — but in Orukka, they meet in a single, deceptively simple object.
What stands out in this conversation is Patrick’s refusal to chase novelty for its own sake, and his clear-eyed conviction that meaningful innovation lies in solving the unglamorous problems most people have stopped questioning.
From financial inclusion to physical activity to the quiet erosion of attention caused by our phones, Orukka represents a thoughtful bet that the future of payments is wearable, secure, and built around human dignity.
To learn more about Monesave and Orukka, visit orukka.com.
