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US startup PayJoy unlocks smartphone loans for Asia's unbanked

Company's software locks device if payments are not made on time

A customer financing a new smartphone with PayJoy   © PayJoy

SAN FRANCISCO, U.S. -- Mark Heynen still remembers working at his first startup in New Delhi some 20 years ago, and the shock he felt seeing families living on the street as he walked to his office each day.

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