# **PayJoy beroperasi di negara berkembang di seluruh dunia**

# 20M+

Customers across 3 continents

.webp)

**Doug Ricket, CEO**

"We meet our customers where they are, not where banks expect them to be."

# 20M+

Customers across

3 continents

Mboule Badji, Customer

"I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it."

# 20M+

Customers across 3 continents

.webp)

**Doug Ricket, CEO**

"We meet our customers where they are, not where banks expect them to be."

# 20M+

Customers across

3 continents

Mboule Badji, Customer

# 20M+

Customers across 3 continents

.webp)

**Doug Ricket, CEO**

"We meet our customers where they are, not where banks expect them to be."

# 20M+

Customers across

3 continents

Mboule Badji, Customer

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## **Dampak Kami**

Sebagai Public Benefit Corporation yang berkomitmen pada pemberian akses smartphone yang etis, PayJoy memberikan dampak positif terhadap kesejahteraan finansial pelanggan kami.

### **79%**
**pelanggan sangat setuju bahwa PayJoy meningkatkan kesejahteraan finansial mereka.**

### **50%**
**pelanggan adalah perempuan.**

### **47%**
**pelanggan mengakses kredit untuk pertama kalinya.**

### **31%**
**membeli smartphone pertama mereka dengan PayJoy.**

## **Komitmen Kami**

Di PayJoy, kami berkomitmen untuk memberikan layanan yang adil, transparan, dan terpercaya. Kami menerapkan panduan Standard Layanan Pengguna, termasuk aturan harga dan cara kami berinteraksi dengan Anda.

**Tanpa Bunga Berjalan**

Harga kami bersifat tetap sehingga mudah dipahami. Pengguna dapat melihat dengan jelas jumlah total yang harus dibayarkan sebelum menyetujui kontrak.

**Tanpa Jebakan Hutang**

Pengguna yang membeli ponsel dengan PayJoy selalu memiliki pilihan untuk mengembalikan ponsel kapan saja dan hutangnya akan dibatalkan.

**Tanpa Denda Keterlambatan**

Total biaya sudah ditetapkan saat pembelian, dan jumlahnya tidak akan bertambah seiring waktu, bahkan jika pengguna terlambat.

**Tanpa Penumpukan Pinjaman**

Untuk membantu pengguna meningkatkan stabilitas finansial mereka, kami memastikan pengguna tidak menumpuk hutang dari pemberi pinjaman lain.

## **Board Directors**

### Doug Ricket
**CEO**

Doug Ricket founded PayJoy in 2015 to make technology and financial services affordable in emerging markets. Doug holds a bachelor’s and master’s degree in computer engineering from MIT with concentration in AI. He also holds an MBA from Stanford.

### Nick Zakrasek
**President, Product Development**

Nick Zakrasek is PayJoy’s President of Product Development, overseeing all product & engineering efforts.

### Amy Pardee
**General Counsel**

As PayJoy’s General Counsel, Amy Pardee is responsible for leading the company’s global Legal and Compliance functions.

### Bill Yialamas
**Chief Financial Officer**

Bill is PayJoy's Chief Financial Officer, responsible for all of PayJoy's financial teams and functions.

### Brad Pennington
**President, Financial Products**

Brad is PayJoy’s President of Financial Products, runs Risk, Data Science, Fraud and Asset Valuation.

### Gib Lopez
**COO**

Gib Lopez co-founded PayJoy and serves as COO supporting global operations.

### Lucia Villar
**SVP Product**

Lucia Villar is a seasoned leader in financial services and fintech, with deep expertise in financial inclusion and consumer credit.

### Iván Canales
**Chief Revenue Officer**

Iván Canales is PayJoy’s Chief Revenue Officer, leading revenue growth, country management, and marketing strategy.

### Bharath Ramarathinam
**CTO**

Bharath is PayJoy’s Chief Technology Officer, responsible for leading all of PayJoy’s technology, engineering, and product platforms.

### Maryann Kongovi
**SVP, People**

Maryann Kongovi is PayJoy’s SVP of People, focusing on building global teams.

## **Cabang**

- India
- Indonesia
- Philippines
- Colombia
- Panama
- Peru
- Ecuador
- China
- South Africa
- Brazil
- United States
- Mexico