PayJoy's mission is to deliver access to credit to people in emerging markets worldwide. They use mobile security technology to give customers the ability to afford smartphones on credit, using the phone itself as collateral and then providing further access to credit to help weather life's unexpected financial surprises and climb the ladder of economic well-being. Founded in 2015, PayJoy has operations in Mexico, Brazil, Colombia, India, Kenya, and South Africa, and has partnered with other industry partners to bring credit to the next billion emerging consumers.
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