Helping PAYGo companies deliver sustainable impact.
The pay-as-you-go (“PAYGo”) business model unlocks access to life-changing products and services around the world.
PAYGo products often represent an onramp to financial inclusion and economic prosperity for customers.
In essence, the heart of PAYGo is a consumer-facing loan product.
PAYGo’s challenge
Many PAYGo companies have focused on building businesses that rapidly scale sales as their path to growth and greater impact.
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Very few focused on consumer- or asset- financing as the core of their operations.
As a result, a meaningful portion of PAYGo customers default on their payment plan, leaving them worse off.
That is an unacceptable outcome…and is why the PAYGo Lab exists.
Our mission is to help foster a sustainable industry that positively impacts the lives of its customers.