Pay-as-you-go Approaches (PAYGO) - Revision history

Lisafeldmann: /* Further Information */

2021-06-07T07:21:24Z

Further Information

Johanna at 13:35, 16 June 2020

2020-06-16T13:35:38Z

Ranisha at 08:31, 11 May 2020

2020-05-11T08:31:44Z

Ranisha: /* Overview */

2020-05-07T20:24:18Z

Overview

Hellpap: /* How it Works: PAYGO for customers */

2020-05-02T19:51:35Z

How it Works: PAYGO for customers

Hellpap at 18:57, 2 May 2020

2020-05-02T18:57:28Z

Ranisha at 13:45, 23 March 2020

2020-03-23T13:45:41Z

Johanna: /* Further Information */

2018-02-02T15:39:45Z

Further Information

Ranisha at 15:22, 31 August 2017

2017-08-31T15:22:41Z

Johanna: /* Further Information */

2017-08-18T10:03:09Z

Further Information

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 <br/>
 = Further Information<br/> =
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 *Lighting Global (2015): Alstone, Peter Michael. Connections beyond the Margins of the Power Grid Information Technology and the Evolution of Off-Grid Solar Electricity in the Developing World. University of California, Berkeley, 2015. [http://search.proquest.com/openview/0a39e3cd025b0300cc030729278ccf1d/1?pq-origsite=gscholar&cbl=18750&diss=y Link].
 *Winiecki, Jacob, and Kabir Kumar. ‘Access to Energy via Digital Finance: Overview of Models and Prospects for Innovation’. Consultative Group to Assist the Poor (CGAP), Washington, DC, USA, 2014. [http://www.fgda.org/dati/ContentManager/files/Documenti_microfinanza/Access-to-Energy-via-Digital-Finance.pdf Link].
 <br/>
 = References =

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 = Overview =
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 <span style="color: rgb(0, 0, 0);  font-family: arial, helvetica;  font-size: 13.6px;  font-style: normal;  font-variant-ligatures: normal;  font-variant-caps: normal;  font-weight: 400;  letter-spacing: normal;  orphans: 2;  text-align: start;  text-indent: 0px;  text-transform: none;  white-space: normal;  widows: 2;  word-spacing: 0px;  -webkit-text-stroke-width: 0px;  background-color: rgb(255, 255, 255);  text-decoration-style: initial;  text-decoration-color: initial;  display: inline !important;  float: none">&nbsp;</span>
 = Pay-as-you-go Approaches =
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 In the energy access sector, PAYGO approaches are mostly used to sell picoPV and SHS solar products, but also mini-grids can be operated implementing a PAYGO tariff. <ref name="Alejandro Moreno, Asta Bareisaite, and others, ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’ (The World Bank, 2015), http://bit.ly/2wkwf4f.">Alejandro Moreno, Asta Bareisaite, and others, ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’ (The World Bank, 2015), http://bit.ly/2wkwf4f.</ref>
 == How it Works: PAYGO for customers ==
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 *In Kenya, [https://hapakenya.com/2020/01/14/safaricom-partners-with-m-gas-to-offer-prepaid-cooking-gas/ PAYG is also offered for cooking gas by M-Gas] - people do not have to buy the cooking gas cylinder or burners which often costs more than KES 6,000 and refilling a cylinder costs above KES 2,000 per cylinder. With this approach, the company provides a cylinder with a smart metering and people only use the cooking gas that they need.
 = Conclusion =
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 <references />
 [[Category:Off-grid]]

@@ Line 1: / Line 1: @@
 = Overview =
-Pay-as-you-go (PAYGO): Companies sell services or products to customers through a pre-paid model. In case of products PAYGO is a kind of paying in small installments to persons that cannot afford or are not willing to buy products in cash. <span style="color: rgb(0, 0, 0);  font-family: arial, helvetica;  font-size: 13.6px;  font-style: normal;  font-variant-ligatures: normal;  font-variant-caps: normal;  font-weight: 400;  letter-spacing: normal;  orphans: 2;  text-align: start;  text-indent: 0px;  text-transform: none;  white-space: normal;  widows: 2;  word-spacing: 0px;  -webkit-text-stroke-width: 0px;  background-color: rgb(255, 255, 255);  text-decoration-style: initial;  text-decoration-color: initial;  display: inline !important;  float: none">Under PAYGO, the companies not only provide product and services but also the necessary finance to consumers. Customers usually pay 10-20% as upfront cost and rest as loan over a period of 1-2 year. For PAYGO, it may take more than 3 years to convert product inventory into cash flow <ref name="Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)">Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)</ref>.&nbsp;</span>
+Pay-as-you-go (PAYGO): Companies sell services or products to customers through a pre-paid model. In case of products PAYGO is a kind of paying in small installments to persons that cannot afford or are not willing to buy products in cash. <span style="color: rgb(0, 0, 0);  font-family: arial, helvetica;  font-size: 13.6px;  font-style: normal;  font-variant-ligatures: normal;  font-variant-caps: normal;  font-weight: 400;  letter-spacing: normal;  orphans: 2;  text-align: start;  text-indent: 0px;  text-transform: none;  white-space: normal;  widows: 2;  word-spacing: 0px;  -webkit-text-stroke-width: 0px;  background-color: rgb(255, 255, 255);  text-decoration-style: initial;  text-decoration-color: initial;  display: inline !important;  float: none">Under PAYGO, the companies not only provide product and services but also the necessary finance to consumers. Customers usually pay 10-20% as upfront cost and rest as loan over a period of 1-2 year. For PAYGO, it may take more than 3 years to convert product inventory into cash flow <ref name="Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)">The World Bank, 2020. Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)</ref>.&nbsp;</span>
 This article explains briefly how PAYGO works for customers paying for electric services from off-grid solar systems as well as for the companies offering this service.
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 <references />
 [[Category:Financing_Solar]]

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 = Overview =
-Pay-as-you-go (PAYGO): Companies sell services or products to customers through a pre-paid model. In case of products PAYGO is a kind of paying in small instalments to persons that cannot afford or are not willing to buy products in cash. This article explains briefly how PAYGO works for customers paying for electric services from off-grid solar systems as well as for the companies offering this service.
+Pay-as-you-go (PAYGO): Companies sell services or products to customers through a pre-paid model. In case of products PAYGO is a kind of paying in small installments to persons that cannot afford or are not willing to buy products in cash. <span style="color: rgb(0, 0, 0);  font-family: arial, helvetica;  font-size: 13.6px;  font-style: normal;  font-variant-ligatures: normal;  font-variant-caps: normal;  font-weight: 400;  letter-spacing: normal;  orphans: 2;  text-align: start;  text-indent: 0px;  text-transform: none;  white-space: normal;  widows: 2;  word-spacing: 0px;  -webkit-text-stroke-width: 0px;  background-color: rgb(255, 255, 255);  text-decoration-style: initial;  text-decoration-color: initial;  display: inline !important;  float: none">Under PAYGO, the companies not only provide product and services but also the necessary finance to consumers. Customers usually pay 10-20% as upfront cost and rest as loan over a period of 1-2 year. For PAYGO, it may take more than 3 years to convert product inventory into cash flow <ref name="Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)">Funding the Sun : New Paradigms for Financing Off-Grid Solar Companies- https://energypedia.info/wiki/Publication_-_Funding_the_Sun_:_New_Paradigms_for_Financing_Off-Grid_Solar_Companies_(English)</ref>.&nbsp;</span>
 *For SHS, see also [[Fee-For-Service or Pay-As-You-Go Concepts for Photovoltaic Systems|Fee-For-Service_or_Pay-As-You-Go_Concepts_for_Photovoltaic_Systems]]
 = Pay-as-you-go Approaches =

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 In the energy access sector, PAYGO approaches are mostly used to sell picoPV and SHS solar products, but also mini-grids can be operated implementing a PAYGO tariff. <ref name="Alejandro Moreno, Asta Bareisaite, and others, ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’ (The World Bank, 2015), http://bit.ly/2wkwf4f.">Alejandro Moreno, Asta Bareisaite, and others, ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’ (The World Bank, 2015), http://bit.ly/2wkwf4f.</ref>
 == How it Works: PAYGO for customers ==
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 There are different systems, how PAYGO works. A relatively simple system is using recharge scratch cards, where each card has a code that is revealed by scratching off the silvery layer. The customer enters this code either into the keypade of his system or into their phone. The backend computer systems receive the code, verify it, and finally the PAYG operator unlocks the system. However, the scratch card method requires a complex stock of cards to manage and distribute across agents’ network.
-Another system is presented in the following figure. Here, the code is sent to the customers via SMS.<br/>
+Another system is presented in the following figure. Here, the code is sent to the customers via SMS. This system is also working with an agent, which&nbsp;plays an important role in the uptake and use of mobile money based PAYG systems in rural areas, where people do not often use phones for mobile money transaction or cannot read. Agents help customers, who are hesitant to use mobile money or don't know how it works, to make transactions so that mobile money services become accessible to communities with low digital financial literacy.&nbsp;<br/>
 '''Figure: PAYGO for customers step-by-step'''
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 [[File:Winiecke 2017 How Paygo solar works.PNG|center|700px|How Paygo solar works|alt=How Paygo solar works]]Source: Winiecki et al. 2017.<ref name="Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref><br/>
-In other systems, customers make a payment to their account at the PAYG provider through a platform of the mobile network operator. Payment notification is sent to the PAYG payment service of the provider, which activitates a credit and unlocks the system of the customer.&nbsp;
+In other systems, customers make a payment to their account at the PAYG provider through a platform of the mobile network operator. Payment notification is sent to the PAYG payment service of the provider, which activitates a credit and unlocks the system of the customer. In some cases, customer can also pay with airtime by transfering airtime to the PAYG provider. &nbsp;
 Examples:
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 *Power Mundo in Peru is successfully implementing PAYG projects with support from ADB and others. The main aim of the project is to develop a distribution network for efficient, low cost off-grid picoPV and SHS energy products that residents in rural Peru can afford while at the same time creating local employment opportunities that can raise residents’ incomes.<ref name="Andrew Burger, ‘Off-Grid Solar Start-Ups Pierce the ¨Heart of Darkness¨’, Microgrid Media, 8 December 2016, http://microgridmedia.com/off-grid-solar-start-ups-pierce-%c2%a8heart-darkness%c2%a8/.">Andrew Burger, ‘Off-Grid Solar Start-Ups Pierce the ¨Heart of Darkness¨’, Microgrid Media, 8 December 2016, http://microgridmedia.com/off-grid-solar-start-ups-pierce-%c2%a8heart-darkness%c2%a8/.</ref>
 *In Kenya, [https://hapakenya.com/2020/01/14/safaricom-partners-with-m-gas-to-offer-prepaid-cooking-gas/ PAYG is also offered for cooking gas by M-Gas] - people do not have to buy the cooking gas cylinder or burners which often costs more than KES 6,000 and refilling a cylinder costs above KES 2,000 per cylinder. With this approach, the company provides a cylinder with a smart metering and people only use the cooking gas that they need.
 = Conclusion =

@@ Line 2: / Line 2: @@
 = Overview =
-Pay-as-you-go (PAYGO): Companies sell solar services or the solar products through a pre-paid model (in small instalments) to persons that can afford these services and become potential or actual customers. This article explains briefly how PAYGO works for customers and for the companies that offer this service.
+Pay-as-you-go (PAYGO): Companies sell services or products to customers through a pre-paid model. In case of products PAYGO is a kind of paying in small instalments to persons that cannot afford or are not willing to buy products in cash. This article explains briefly how PAYGO works for customers paying for electric services from off-grid solar systems as well as for the companies offering this service.
 *For SHS, see also [[Fee-For-Service or Pay-As-You-Go Concepts for Photovoltaic Systems|Fee-For-Service_or_Pay-As-You-Go_Concepts_for_Photovoltaic_Systems]]
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 == Definition: PAYGO ==
-Pay-as-you-go (PAYGO) is a digital financing technology that allows end-users to digitally pay for solar energy in weekly instalments. PAYGO is a pioneering, game-changing digital credit system that removes the initial financial barrier to solar energy access by allowing consumers to make a series of modest payments to purchase a week’s worth of solar energy rather than paying upfront for the entire solar lighting system.<ref name="Paul Winkel, ‘Startup Peru Winner | Powermundo’, 2016, http://www.powermundo.com/media-resources/news-events/startup-peru-winner/.">Paul Winkel, ‘Startup Peru Winner | Powermundo’, 2016, http://www.powermundo.com/media-resources/news-events/startup-peru-winner/.</ref>
+Pay-as-you-go (PAYGO) is a financing technology that allows end-users to pay for solar energy in weekly instalments or whenever they are financially liquid. PAYGO is a pioneering, game-changing credit system that removes the initial financial barrier to solar energy access by allowing consumers to make a series of modest payments to purchase time units for using solar electricity instead of paying upfront for the entire solar lighting system.<ref name="Paul Winkel, ‘Startup Peru Winner | Powermundo’, 2016, http://www.powermundo.com/media-resources/news-events/startup-peru-winner/.">Paul Winkel, ‘Startup Peru Winner | Powermundo’, 2016, http://www.powermundo.com/media-resources/news-events/startup-peru-winner/.</ref>
 PAYGO is emerging as a solution that addresses both end-customer affordability and provides sufficient margins to fuel operational models that can scale.<ref name="Jacob Winiecki, Michelle Hassan, and David del Ser, ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’ (FIBR, mastercard foundation, BFA, 2017), https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Jacob Winiecki, Michelle Hassan, and David del Ser, ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’ (FIBR, mastercard foundation, BFA, 2017), https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref>
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 #business-to-business (B2B) intermediaries: supplying hardware and software support from global operations to last-mile energy service and payment logistics
-The first PAYGO companies are vertically integrated companies (one-stop-shops). They do all steps: <ref name="Daniel Waldron, ‘Solar Energy: A New Frontier for Microfinance’, CGAP, 17 April 2017, http://www.cgap.org/blog/solar-energy-new-frontier-microfinance.">Daniel Waldron, ‘Solar Energy: A New Frontier for Microfinance’, CGAP, 17 April 2017, http://www.cgap.org/blog/solar-energy-new-frontier-microfinance.</ref>
+The first PAYGO companies were vertically integrated companies (one-stop-shops). They did all steps: <ref name="Daniel Waldron, ‘Solar Energy: A New Frontier for Microfinance’, CGAP, 17 April 2017, http://www.cgap.org/blog/solar-energy-new-frontier-microfinance.">Daniel Waldron, ‘Solar Energy: A New Frontier for Microfinance’, CGAP, 17 April 2017, http://www.cgap.org/blog/solar-energy-new-frontier-microfinance.</ref>
 *hardware and software design
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 == How it Works: PAYGO for customers ==
 '''Figure: PAYGO for customers step-by-step'''
-[[File:Winiecke 2017 How Paygo solar works.PNG|center|700px|How Paygo solar works|alt=How Paygo solar works]]Source: Winiecki et al. 2017.<ref name="Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref>
+[[File:Winiecke 2017 How Paygo solar works.PNG|center|700px|How Paygo solar works|alt=How Paygo solar works]]Source: Winiecki et al. 2017.<ref name="Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref><br/>
 Examples:
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 <references />
 [[Category:Off-grid]]

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 = Overview =
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 '''Figure: PAYGO for customers step-by-step'''
-[[File:Winiecke 2017 How Paygo solar works.PNG|center|700pxpx|How Paygo solar works]]Source: Winiecki et al. 2017.<ref name="Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref>
+[[File:Winiecke 2017 How Paygo solar works.PNG|center|700px|How Paygo solar works|alt=How Paygo solar works]]Source: Winiecki et al. 2017.<ref name="Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.">Winiecki, Jacob, Michelle Hassan, and David del Ser. ‘Briefing Note PAYGo Solar: Lighting the Way for Flexible Financing and Services’. FIBR, mastercard foundation, BFA, 2017. https://www.gogla.org/sites/default/files/resource_docs/finalfibrbriefingnotepaygosolarjuly2017.pdf.</ref>
 Examples:
@@ Line 54: / Line 55: @@
 *Ugandan Mobile Pay-Go Solar Provider Fenix International doubled the number of customers in the year 2016 to 100,000. Fenix deploys solar leases of over USD 20 million. Fenix’s ReadyPay Power high-efficiency solar products and services worth 1.2-MWs serve over 600,000 Ugandan households.<ref name="Andrew Burger, ‘Uganda Mobile Pay-Go Solar Provider Doubles Customer Base to 100,000 in 12 Months’, Microgrid Media, 25 January 2017, http://microgridmedia.com/uganda-mobile-pay-go-solar-provider-doubles-customer-base-100000-12-months/.">Andrew Burger, ‘Uganda Mobile Pay-Go Solar Provider Doubles Customer Base to 100,000 in 12 Months’, Microgrid Media, 25 January 2017, http://microgridmedia.com/uganda-mobile-pay-go-solar-provider-doubles-customer-base-100000-12-months/.</ref><ref name="Allegra Fisher, ‘Pay-to-Own Solar Energy System Doubles Off-Grid Customer Base in Just 12 Months’, Fenix International, 22 January 2017, http://www.fenixintl.com/2017/01/22/pay-to-own-solar-energy-system-doubles-off-grid-customer-base-in-just-12-months/.">Allegra Fisher, ‘Pay-to-Own Solar Energy System Doubles Off-Grid Customer Base in Just 12 Months’, Fenix International, 22 January 2017, http://www.fenixintl.com/2017/01/22/pay-to-own-solar-energy-system-doubles-off-grid-customer-base-in-just-12-months/.</ref>
 *Power Mundo in Peru is successfully implementing PAYG projects with support from ADB and others. The main aim of the project is to develop a distribution network for efficient, low cost off-grid picoPV and SHS energy products that residents in rural Peru can afford while at the same time creating local employment opportunities that can raise residents’ incomes.<ref name="Andrew Burger, ‘Off-Grid Solar Start-Ups Pierce the ¨Heart of Darkness¨’, Microgrid Media, 8 December 2016, http://microgridmedia.com/off-grid-solar-start-ups-pierce-%c2%a8heart-darkness%c2%a8/.">Andrew Burger, ‘Off-Grid Solar Start-Ups Pierce the ¨Heart of Darkness¨’, Microgrid Media, 8 December 2016, http://microgridmedia.com/off-grid-solar-start-ups-pierce-%c2%a8heart-darkness%c2%a8/.</ref>
 = Conclusion =
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 This article offers a definition for PAYGO approaches and shortly explains how it works with examples from the major companies.
+<br/>
 = Further Information<br/> =
@@ Line 67: / Line 69: @@
 *[[Advantages and Disadvantages of PAYGO Approaches|Advantages and Disadvantages of PAYGO Approaches]]
 *[[PAYGO Approaches: Overhyped or Justified|PAYGO Approaches: Overhyped or Justified]]<br/>
-*[[Role_of_Supporting_Environment_in_Fostering_Pay-as-you-go_Approaches_(PAYGO)|Role of Supporting Environment in Fostering Pay-as-you-go Approaches (PAYGO)]]
+*[[Role of Supporting Environment in Fostering Pay-as-you-go Approaches (PAYGO)|Role of Supporting Environment in Fostering Pay-as-you-go Approaches (PAYGO)]]
 *[[Fee-For-Service or Pay-As-You-Go Concepts for Photovoltaic Systems|Fee-For-Service or PAYGO for PV systemsincluding]] information about the major PAYGO companies<br/>
@@ Line 76: / Line 78: @@
 *Winiecki, Jacob, and Kabir Kumar. ‘Access to Energy via Digital Finance: Overview of Models and Prospects for Innovation’. Consultative Group to Assist the Poor (CGAP), Washington, DC, USA, 2014. [http://www.fgda.org/dati/ContentManager/files/Documenti_microfinanza/Access-to-Energy-via-Digital-Finance.pdf Link].
 = References =
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 <references />
 [[Category:Financing_Solar]]

@@ Line 58: / Line 58: @@
 This article offers a definition for PAYGO approaches and shortly explains how it works with examples from the major companies.
 = Further Information<br/> =
-*[[:Category:Financing_and_Funding|Financing and Funding]] Portal<br/>
+*[[:Category:Financing and Funding|Financing and Funding]] Portal<br/>
-*[[Market_Development_of_PAYGO|Market Development of PAYGO]]<br/>
+*[[Market Development of PAYGO|Market Development of PAYGO]]<br/>
-*[[Advantages_and_Disadvantages_of_PAYGO_Approaches|Advantages and Disadvantages of PAYGO Approaches]]
+*[[Advantages and Disadvantages of PAYGO Approaches|Advantages and Disadvantages of PAYGO Approaches]]
-*[[PAYGO_Approaches:_Overhyped_or_Justified|PAYGO Approaches: Overhyped or Justified]]<br/>
+*[[PAYGO Approaches: Overhyped or Justified|PAYGO Approaches: Overhyped or Justified]]<br/>
-*[[Fee-For-Service_or_Pay-As-You-Go_Concepts_for_Photovoltaic_Systems|Fee-For-Service or PAYGO for PV systems]]including information about the major PAYGO companies<br/>
+*[[Role_of_Supporting_Environment_in_Fostering_Pay-as-you-go_Approaches_(PAYGO)|Role of Supporting Environment in Fostering Pay-as-you-go Approaches (PAYGO)]]
 *A list of relevant PAYGO companies and an in-depth explanation about PAYGO approaches: Bennu Solar Ltd. ‘PAYG Solar. Information on PAYG Enabled Solar Solutions |Bennu Solar’, 2017. [http://bennu-solar.com/pay-as-you-go-enabled-solar-solutions/#.WYGhmFFLfIV Link].

@@ Line 60: / Line 60: @@
 This article offers a definition for PAYGO approaches and shortly explains how it works with examples from the major companies.
-*Financing and Funding Portal
+= Further Information<br/> =
 *Fee-For-Service_or_Pay-As-You-Go_Concepts_for_Photovoltaic_Systems
-*A list of relevant PAYGO companies and an in-depth explanation about PAYGO approaches: Bennu Solar Ltd. ‘PAYG Solar. Information on PAYG Enabled Solar Solutions |Bennu Solar’, 2017. [http://bennu-solar.com/pay-as-you-go-enabled-solar-solutions/#.WYGhmFFLfIV http://bennu-solar.com/pay-as-you-go-enabled-solar-solutions/#.WYGhmFFLfIV].
+*[[:Category:Financing_and_Funding|Financing and Funding]] Portal<br/>
 *Lepicard, François, et Al. ‘REACHING SCALE IN ACCESS TO ENERGY: Lessons from Best Practitioners’. Hystra, 2017. [https://www.gogla.org/sites/default/files/recource_docs/hystra_energy_report.pdf https://www.gogla.org/sites/default/files/recource_docs/hystra_energy_report.pdf].
-*Moreno, Alejandro, Asta Bareisaite, and others. ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’. The World Bank, 2015. [http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/03/02/000406484_20150302153117/Rendered/PDF/937860REPF0BRI0ries00000LW150340OKR.pdf http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/03/02/000406484_20150302153117/Rendered/PDF/937860REPF0BRI0ries00000LW150340OKR.pdf].
+*Moreno, Alejandro, Asta Bareisaite, and others. ‘Scaling up Access to Electricity: Pay-as-You-Go Plans in off-Grid Energy Services’. The World Bank, 2015. [http://www-wds.worldbank.org/external/default/WDSContentServer/WDSP/IB/2015/03/02/000406484_20150302153117/Rendered/PDF/937860REPF0BRI0ries00000LW150340OKR.pdf Link].
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+*Lighting Global (2015): Alstone, Peter Michael. Connections beyond the Margins of the Power Grid Information Technology and the Evolution of Off-Grid Solar Electricity in the Developing World. University of California, Berkeley, 2015. [http://search.proquest.com/openview/0a39e3cd025b0300cc030729278ccf1d/1?pq-origsite=gscholar&cbl=18750&diss=y Link].
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+*Winiecki, Jacob, and Kabir Kumar. ‘Access to Energy via Digital Finance: Overview of Models and Prospects for Innovation’. Consultative Group to Assist the Poor (CGAP), Washington, DC, USA, 2014. [http://www.fgda.org/dati/ContentManager/files/Documenti_microfinanza/Access-to-Energy-via-Digital-Finance.pdf Link].
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