# Scaling Impact in Emerging Markets: Doug Ricket, PayJoy CEO, on Productivity Finance and Unlocking Credit Access Page: https://stenobird.com/podcast/this-week-in-fintech-6007929/scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access Text version: https://stenobird.com/podcast/this-week-in-fintech-6007929/scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access.md Podcast: [This Week in Fintech](https://stenobird.com/podcast/this-week-in-fintech-6007929) Published: 2025-09-10T15:44:33+00:00 Episode link: https://www.buzzsprout.com/2596439/episodes/18689643-scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access.mp3 Audio file: https://www.buzzsprout.com/2596439/episodes/18689643-scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access.mp3 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/this-week-in-fintech-6007929/episodes/scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access Duration seconds: 2814 ## Resource Hello fintech friends, Last week, I sat down with Doug Rickett, the founder and CEO of Payjoy. If you work in fintech and you don't know Payjoy, well, you should. The company's tagline is "finance for the next billion." And they're well on their way: As of 2025 they have brought 3 billion dollars in credit to 16 million customers, doubling in the last two years while remaining strongly profitable and sustainable for the long term. PayJoy is a mission-first financial service provider dedicated... ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/this-week-in-fintech-6007929/episodes/scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/this-week-in-fintech-6007929/scaling-impact-in-emerging-markets-doug-ricket-payjoy-ceo-on-productivity-finance-and-unlocking-credit-access.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.