Notes on financing the next billion

May 23rd marks Customer Day at PayJoy; a day to celebrate our very first customer, Javier, and reaffirm our commitment to our mission: to empower the next billion customers to access the modern financial system and improve their lives! We first met Javier in 2015 when he approached PayJoy to…

Can the mobile industry and ecosystem players learn from an industry that has proved its solid technology foundations, high demand and low-income customers’ ability to pay for credit? Energy poverty is a development challenge that traditional, centralized approaches have been slow to overcome. Globally, 1.1 billion people remain without access…

First day, at PayJoy's SF office The summer finally came to California, but I’m now 10.5k miles or 21+ flight hrs away from Berkeley. I will spend my summer in the winter of Johannesburg in South Africa working with PayJoy, a company focused on technology and…

The way we buy phones is changing. People in the mobile industry may be aware of these changes, but it is fair to say a lot of people aren’t. That’s because the process of paying for a phone is complex and often intentionally obtuse. Why care? The smartphone market is…

Across emerging markets, millions survive by patching together income from multiple, irregular jobs.

Discover how PayJoy has achieved remarkable growth by focusing on mission-driven strategies and innovative financial products. In this episode, Brad shares insights into PayJoy's strategic market entry, the development of the PayJoy card, cutting-edge fraud prevention techniques and future expansion into Indonesia and India.