PAYGo 2.0 Pioneers

June 2025

​

Context

​​

​In this paper, we delve into PAYGo 2.0 business model, presenting key insights and evidence gathered from operational support provided over the past 24 months. Through the analysis of 12 pioneering companies operating in 10 different markets, we explore their transformative journeys and the strategic changes they've implemented. The paper also examines the impact of these changes on customer payment behaviors and identifies common challenges and pitfalls, offering valuable lessons for achieving success in this dynamic landscape.