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PayJoy, a fintech serving more than 20 million customers in Latin America, Africa, and Asia, announced on Oct. 12, 2026 that it has purchased key assets of Mexico‑based Finia AI. Finia’s AI‑driven underwriting platform, built to evaluate micro‑businesses with scarce financial data, will be integrated into PayJoy’s global credit‑scoring engine. The move gives PayJoy advanced machine‑learning and anti‑fraud tools that can better assess creditworthiness for borrowers who lack traditional credit histories, expanding its suite of products such as smartphone financing, credit lines, and the PayJoy Card. Industry observers note that this acquisition could accelerate financial inclusion by allowing PayJoy to underwrite more loans in underserved markets, leveraging Finia’s proven models that have already funded credit cards and installment loans for tens of thousands of Mexican micro‑businesses. Watch for PayJoy’s rollout of the enhanced underwriting system across its nine‑country footprint and potential follow‑on partnerships that could extend AI‑based credit assessment to other emerging‑market fintechs. [[1]]