PAYGo NEXT: Powering Business with Predictive Insights and Automation

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Last week, our team was at the Global Off-Grid and Lighting Association (GOGLA) Annual General Meeting in Amsterdam. This is the member-facing off-grid solar industry event where we had the chance to present the PAYGo NEXT Innovation Gallery: Powering Business with Predictive Insights and Automation. Attendees had the chance to experience latest in applied machine learning to help solve the pressing problems that PAYGo businesses face today.

For the first time at GOGLA, PAYGo NEXT brought the practical power of AI to members hands with:

  1. Churn prediction models to help identify customers at risk and better target customers for repayment

  2. Robotic process automation (RPA) to streamline time-consuming backend processes and examples of chatbot for agents

  3. Geospatial maps to visualize potential markets for expansion using predictive analytics and public data sets

  4. An app for optimizing field operations for agents to reduce cash transfer risk

Learn more about BFA’s PAYGo AI applications by visiting and read BFA’s work in PAYGo innovation and implementation with leading providers. View the presentation below of the various AI-powered business tools and applications that BFA has developed with PAYGo partners.

Banking Technology: Uganda to Prosper with Clean Energy from BrightLife

Photo credit: FINCA International / Alison Wright

Photo credit: FINCA International / Alison Wright

In an article entitled, “Uganda Hoping to Prosper with Clean Energy Initiative,” BrightLife President and CEO, Stefan Grundmann, spoke with Banking Technology about how clean energy and financial inclusion are coming together through an innovative new model.

See the article on pages 26-28 of the June 2019 issue of Banking Technology.

The Potential of PAYGo for Achieving Water and Sanitation for All (SDG 6)


To "ensure availability and sustainable management of water and sanitation for all (SDG 6)," water service providers need to innovate and adapt successful service models from other sectors. Launched on World Water Day, March 22, FIBR's PAYGo Water Brief explores how digital tools (e.g., smart meters and mobile payments) developed as part of PAYGo solar in East Africa can be combined with new business models to scale in-home water connections in pursuit of clean water for all.

This paper considers PAYGo models and minigrids in the energy sector to identify opportunities to research and test their application to the water sector. The paper also describes the Safe Water Network, a US-based not-for-profit organization that is testing sustainable water service delivery models in both India and Ghana.

Read Our PAYGo Blogs

Webinar: How Can Small Merchants Get The Most Out of E-commerce Using Superplatforms?


Small merchants in emerging markets are increasingly adopting digital commerce to expand their customer base and market their goods and services on online marketplaces. These merchants are using digital platforms like Facebook, Twitter, Instagram, Jumia and WhatsApp to promote their businesses, sell their goods and services, communicate with clients and suppliers and to receive payments.

At FIBR, we have been researching superplatforms to determine their value proposition to micro, small & medium enterprises (MSMEs). What value do these platforms provide directly and indirectly to merchants? How are these superplatforms helping merchants to build and grow their businesses? Who are the merchants that sell online and what is the role of trust in these interactions?

Our latest research shows that small, informal merchants are using social media and messaging platforms such as Facebook, WhatsApp, and Instagram to advertise their business, market goods and services, and communicate with clients. The uses, interactions, and workarounds by micro, small & medium enterprises (MSME) in Africa to sell online through these platforms offer insights into 1) personas 2) needs such as for financing their business, and 3) product and service concepts that could help small merchants close gaps in skills, working capital, and business intelligence.

Join FIBR’s webinar and panel discussion to learn how merchants benefit from superplatforms and digital commerce. The webinar covers how merchants are using digital platforms and how superplatforms can better serve merchants.

When: 28th February 2019, 9am-10:00am EST

Meet the Speakers

Additional Reference

  1. Superplatforms Tumblr - updates from our ongoing research and thinking

  2. FIBR Superplatforms - a compilation of our work up to date and our research hypotheses

  3. FIBR Superplatforms Whitepaper - the seminal paper by FIBR that examines the rise of superplatforms and their potential in pulling users in Africa into formal and digital economies

Beyond Marketing: Generating Trust to Sell Online


In emerging markets, small merchants or micro and small enterprises are increasingly using social networks, e-commerce & messaging platforms such as Facebook, Instagram, Twitter, Jumia and WhatsApp to promote their businesses. However, generating and maintaining trust online is still a struggle for the majority of these business. We provide 3 strategies to create and maintain trust with customers online. Read our blog.