PayJoy, a prominent financial services provider for underserved consumers in emerging markets, has been honored with an award for their efforts in expanding credit access to millions of first-time borrowers. The award was received in San Francisco on March 23, 2026. PayJoy has played a significant role in providing Buy Now, Pay Later (BNPL) services to consumers, with a focus on emerging markets. This recognition highlights their dedication to serving the financial needs of individuals who have traditionally been excluded from mainstream banking services. The company's impact can be seen in the significant number of first-time borrowers who have gained access to credit through their services. This award reflects PayJoy's commitment to financial inclusion and their success in reaching a wide audience of consumers in need of accessible credit options.