Payjoy is a financial technology company founded in 2014 by Matthew Flannery and Mike Baka, headquartered in San Francisco. The company provides credit and lending services with a focus on financial inclusion in emerging markets, operating across Latin America, Africa, and Mexico. Payjoy targets underbanked populations and small merchants, offering accessible credit products through mobile-first platforms. The company has expanded to multiple countries and builds technology infrastructure to serve populations historically excluded from traditional financial systems.
Payjoy operates as a mission-driven fintech startup focused on financial inclusion and emerging market expansion. The organization emphasizes product development and geographic growth across developing economies. Culture reflects early-stage startup dynamics with emphasis on technical problem-solving and impact-oriented work serving underserved markets.
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