Notes on financing the next billion

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.

I spent some time late last week chatting with one of our earliest investors, John Dukellis. John is a Senior Director at PayPal and leads their next generation wallet offerings. We are privileged to be one of a few investments he has made, and to have access to his perspective and…

By Jaideep Mirchandani, Chief Product Officer In previous PayJoy blog posts, we highlighted the problem of lending to the underbanked and how PayJoy technologies are helping to solve this problem. Core technologies like the PayJoy Lock and Score enable our partners to reach underserved consumers by solving the collateral and…

In 2022 PayJoy committed to running carbon-neutral by funding carbon offset projects in countries where we operate. For 2024, we are delighted to announce we are funding a forest protection project in Cujubim, Brazil through ClimatePartner. Learn more about this project What is the project about? The project empowers farmers through…

PayJoy: A Mission-driven Public Benefit Corporation PayJoy provides responsible consumer credit to underserved individuals in emerging markets. As a Public Benefit Corporation dedicated to responsible lending, we ensure that we are having a positive impact on our customers’ financial well being, which we track by monitoring that most of our…