The Rise of Alternative Credit Scoring in Emerging Economies

In Nairobi, a street vendor named Grace has never held a bank account. Yet last month, she received a micro loan—approved in under three minutes, based entirely on how she uses her phone. This is the quiet revolution reshaping credit in emerging markets

Digitalizing Field Operations at Scale, 5 Lessons from Lumos.

Digital transformation isn’t just about implementing new software, it’s about organizational change, and Lumos’s journey from semi-digital to fully automated field operations across West Africa reveals five critical lessons that any scaling business should know.

Safe Drinking Water Carbon Projects.

Safe drinking water projects deliver vital health and climate benefits, and with Upya’s digital tools, developers can scale faster, cut MRV costs, and generate higher-quality carbon credits.

Why Manufacturers Are Investing in the Low-Cost Smartphones Market.

Low-cost and PayGO smartphones are unlocking the next wave of digital inclusion. From flexible financing to robust distribution models, manufacturers and distributors are reshaping access to connectivity across emerging markets and Upya is powering the tools to make it sustainable.