<table name="logo_release" border="0" cellspacing="10" cellpadding="5" align="right">   <tbody>    <tr>     <td><img src="https://mma.prnasia.com/media2/2573822/PayJoy_logo.jpg?p=medium600" border="0" alt="" title="logo" hspace="0" vspace="0" width="118" /></td>    </tr>   </tbody>  </table>  <p><span class="legendSpanClass"><span class="xn-location">JAKARTA, Indonesia</span></span>, <span class="legendSpanClass"><span class="xn-chron">Nov. 26, 2025</span></span> /PRNewswire/ -- <u><a href="https://edge.prnewswire.com/c/link/?t=0&amp;l=en&amp;o=4566098-1&amp;h=3818198382&amp;u=https%3A%2F%2Fwww.payjoy.com%2F&amp;a=PayJoy" target="_blank" rel="nofollow" style="color: #0000FF">PayJoy</a></u>, a leading emerging-markets credit provider, today announced its official launch in <span class="xn-location">Indonesia</span> through a strategic partnership with PT Bank Sahabat Sampoerna (Bank Sampoerna). Building on its successful operations in <span class="xn-location">the Philippines</span>, <span class="xn-location">Mexico</span>, <span class="xn-location">Brazil</span>, <span class="xn-location">South Africa</span>, and other markets, PayJoy is introducing its inclusive credit solutions to <span class="xn-location">Indonesia</span> to further expand access to affordable and responsible credit across the region.</p>  <p class="prnml40">&quot;There's a significant gap in credit access across <span class="xn-location">Southeast Asia</span>, and PayJoy is committed to helping close it responsibly,&quot; said <b><span class="xn-person">Rene Payan</span></b>, Philippines Country Manager and PayJoy's lead for new-market launches.</p>  <p>As <span class="xn-location">Indonesia</span> accelerates its digital transformation and the Financial Services Authority (OJK) targets 98% financial inclusion by 2045, PayJoy's entry supports national efforts to expand access to credit responsibly and sustainably.</p>  <p>After scaling to 17 million customers worldwide, PayJoy is growing at an annualized 40 percent while maintaining profitability in 2025. PayJoy is on track to reach about <span class="xn-money">US$650 million</span> in revenue and <span class="xn-money">US$110 million</span> in profit by the end of 2025.</p>  <p>Since its founding in 2015, PayJoy has become one of the world's most trusted innovators in alternative credit infrastructure. The company's expansion into <span class="xn-location">Indonesia</span> underscores its long-term commitment to creating open, equitable, and inclusive financial systems worldwide.</p>  <p><b>About PayJoy</b></p>  <p>PayJoy expands credit access across emerging markets through point-of-sale financing and card products. Its proprietary secured-credit technology enables first-time borrowers to responsibly build financial stability and participate fully in the modern economy.&nbsp; Through its cutting-edge machine learning, data science, and anti-fraud AI, PayJoy has financed over <span class="xn-money">$3.5 billion</span> of loans with over 17 million people and employs over 1,000 people worldwide. For more information, visit <u><a href="https://edge.prnewswire.com/c/link/?t=0&amp;l=en&amp;o=4566098-1&amp;h=1017951847&amp;u=https%3A%2F%2Fwww.payjoy.com%2F&amp;a=https%3A%2F%2Fwww.payjoy.com%2F" target="_blank" rel="nofollow" style="color: #0000FF">https://www.payjoy.com/</a></u>.</p>  <p><b>Contact:</b></p>  <p><span class="xn-person">Ivy Yang</span> | Wavelet Strategy | <u><a href="mailto:ivy@waveletnyc.com" target="_blank" rel="nofollow" style="color: #0000FF">ivy@waveletnyc.com</a></u></p>  <p>Logo - <a href="https://edge.prnewswire.com/c/link/?t=0&amp;l=en&amp;o=4566098-1&amp;h=3926363686&amp;u=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2573822%2FPayJoy_logo.jpg&amp;a=https%3A%2F%2Fmma.prnewswire.com%2Fmedia%2F2573822%2FPayJoy_logo.jpg" target="_blank" rel="nofollow" style="color: #0000FF">https://mma.prnasia.com/media2/2573822/PayJoy_logo.jpg?p=medium600</a></p>