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PayJoy

🌎 payjoy.com

PayJoy is a mission-first financial service provider based in San Francisco, California, dedicated to helping under-served customers in emerging markets achieve financial stability. The company offers unique financing solutions that allow individuals to purchase smartphones on credit without needing a credit card or bank account. Utilizing patented technology that turns smartphones into digital collateral, PayJoy employs advanced machine learning and anti-fraud AI to provide low-cost loans and qualify a wide range of customers. As of 2024, PayJoy has provided billions in credit to 12 million customers, focusing on sustainable and profitable growth.

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PayJoy - Latest News and Updates

• PayJoy notes that the 'cuesta de enero' is more significant in 2025 due to economic factors like inflation affecting basic goods and services.
• PayJoy held an annual planning meeting with partner Nagem in Recife, as shared by Rafael Miranda, Director at PayJoy.
• A customer praised PayJoy for their improved service, highlighting a quick response from agent Thapelo Mmalebati who granted a payment extension request in under 2 minutes.

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