Notes on financing the next billion

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Latest Articles

A Globally Recognized Standard of Trust.

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The World Cup Playbook: How Access to Credit Is Empowering Workers and Entrepreneurs Across Mexico
As the 2026 FIFA World Cup approaches, many people across Mexico are preparing not just to watch the tournament, but to participate in the economic opportunity surrounding it.
PayJoy funds an Amazon forest protection project in Peru for 2025 carbon offset
PayJoy has committed to running carbon-neutral by funding carbon offset projects in countries where we operate since 2022. For 2025, we are delighted to announce we are funding an Amazon forest protection project in Madre de Dios, Peru through ClimatePartner.
Pablo Floresmeyer
Operations Manager

All Blogs

Blog
Celebrating our continued commitment to the environment: PayJoy is Carbon Neutral one more year
At PayJoy, we are proud to announce that we have made a significant effort to offset our carbon footprint from 2022 by investing in a wind energy project in South Africa, one of the countries where we operate, through our ongoing partnership with ClimatePartner. As a socially responsible company, PayJoy…
Melisa Carlos
Product Manager
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Podcast
Can AI and Digital Collateral Improve Financial Inclusion Exponentially?
Discover how PayJoy’s Rene Payan uses AI and digital collateral to expand financial inclusion, unlock credit access, and reshape lending in emerging markets.
Rene Payan
Country Manager
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Enabling Powerful Smartphone Subsidies
India’s feature phone shipments grew faster than smartphone shipments for the very first-time in 2018 thanks in part to an innovative finance program According to the latest research from Counterpoint’s Market Monitor service, in 2018, India’s overall mobile phone shipments grew 11% and smartphone shipments grew 10% with feature phones…
Dominique Friedl
GM PayJoy Africa
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Empowering Indians Through Technology and Financing
It all started last Spring on my day-long visit to Khayelitsha, a township located just outside Cape Town in South Africa. I was there on a study trip along with a few other business school students from US, Turkey, China and South Korea. Our day was packed with visits to…
Shikha Kaushal
Product
Breakthroughs in affordability unleash smartphone growth in Africa
Innovative technologies like the PayJoy Lock are likely to lead to the next smartphone boom on the continent.
Dominique Friedl
GM PayJoy Africa