Notes on financing the next billion

Smartphone Finance and the Rise of Mexico’s Working Mother Micro-Entrepreneurs

This week Apple announced for the first time that it would be offering consumers the option to pay monthly for a new, unlocked iPhone every year “from $32 a month.” (details below) I wouldn’t go so far as to call this deal diabolical, but it is probably only a helpful option…

Miguel Armaza interviews Doug Ricket, CEO & Co-Founder of PayJoy, a global fintech with $300+ million in annual revenue serving 10+ million customers in eight countries.

Today we announced that Greylock Partners led a $20M Series B investment round in PayJoy, with participation from our seed investor Core Innovation Capital and our Series A lead Union Square Ventures. As part of this investment, Josh McFarland will be joining our board. This brings our total financing in…

In America it seems like smartphones are ubiquitous. Everywhere you go, people are paying for their coffees, depositing checks, Snapchatting and Instagramming, and scheduling appointments from their phones. In fact, most people, when faced with the choice of choosing to give up their car, their laptop, or their smartphone, would…

PayJoy CEO Doug Rickett shares how his company is unlocking credit access in emerging markets — scaling impact with AI-driven underwriting, using phones as collateral, and balancing profitability with purpose. Listen now.