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Drive more Smartphone sales on your Paygo financing model!

Empower PAYGO financing with Datacultr’s innovative Phone Lock, compatible with all android smartphones. It increases loan approvals to the unbanked. Datacultr’s Impactful communication formats, educate underbanked customers and drive on-time payments, ensuring reduction in overall NPLs


Unlock the true power of PAYGO Financing for Smartphones

Drive On-time payments

Banks have achieved an overall 25% reduction in delinquencies

Reduced NPLs

Significantly reduce your overall non-performing loans (NPLs) by over 67%

Increase Collections

Enhance collection efficiencies to the tune of 400%

Social Impact

Bring social impact towards mid-low income people with easy access to a smartphone with Datacultr. It can help with:

  • Income generation: More income generation avenues with lipa pole pole smartphones to change the lives of the underprivileged.
  • Financial Literacy: Financial education increased via Datacultr’s visual engagement channels to build a robust credit profile
  • Empowerment: Awareness to avail of more financial services empowers the unbanked to be more self-reliant, active citizens
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Signature Elements

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Phone lock, compatible with all android smartphones,
across all brands

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Offline Lock,
Scheduled Lock,
SIM Lock

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Rich engagement that communicates directly with the device

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Smart Reminder mechanisms to intimate customers of milestones & due dates

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Digital interventions to nudge customers towards repayments

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Works even when the device is offline

Boost digital inclusion with Pay-as-you-go financing for ALL

We are committed to protecting your privacy. We will never collect information about you without your explicit consent.

Expand Solar & Device Financing with PayGo via Datacultr

Drive smartphone and solar home system sales through PayGo plans with Datacultr’s advanced device-locking and on-device engagement solutions. Confidently serve new-to-credit and underserved customers while keeping your business scalable and sustainable.

Unlock PayGO’s True Potential by Proactively Managing Risk

PayGo opens access to underbanked markets, but repayment challenges can limit growth:

  • Manual collections drain efficiency
  • Payment delinquency slows cash recovery
  • Portfolio scaling challenges increase operational complexity

Whether in solar home systems or smartphone financing, without a robust safeguard, providers face rising costs and stalled expansion. Datacultr transforms these risks into opportunities for sustainable growth.

Securing Your PayGo Financing Program with Datacultr

Datacultr delivers a proven, multi-layered platform that balances repayment control with customer engagement, helping both lenders and solar providers:

Smart Device Locking

On-Device Engagement

Flash alerts and reminders boost borrower responsiveness.

Offline Locking

Protects repayment schedules without constant connectivity.

Multi-Device Support

Compatible with all major brands for seamless expansion.

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Why Leading Solar Providers Choose Datacultr

Forward-looking solar companies partner with Datacultr not just to manage risk, but to gain long-term advantages:

  • Scale smartphone and solar financing programs into new markets 
  • Lower operating overhead through automation
  • Stay compliant and agile with built-in regulatory readiness
  • Strengthen customer relationships through transparent repayment models.

Expand your PayGo solar and device financing business, reduce risks, and build stronger customer relationships with Datacultr’s proven technology.

FAQs

The PayGo (Pay-As-You-Go) model enables customers to access devices such as smartphones or solar home systems through small, flexible installment payments instead of paying the full cost upfront. It is especially prevalent in Sub-Saharan Africa, South Asia, and Latin America, where access to formal credit remains limited. The model is widely adopted by both lenders and solar providers to reach underserved households.

Datacultr helps solar companies offering PayGo financing protect their assets and ensure steady cash flows. With advanced device-locking technology, financed solar systems remain secure until payments are made. This reduces defaults, minimizes the need for costly field collections, and enables solar providers to expand into underserved regions confidently while keeping repayment cycles predictable.

PayGo creates financial access for communities traditionally excluded from credit by making essential products affordable through incremental payments. It fuels digital inclusion with smartphones and energy inclusion with solar systems. Datacultr strengthens this impact by helping lenders and solar providers reduce credit risk and scale these programs sustainably.

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