Jacob Winiecki

Jacob Winiecki

Principal Consultant

Jacob is an off-grid energy and digital finance specialist with over ten years of experience launching and growing energy enterprises and end-user finance initiatives in developing markets. He is a co-founder of Simpa Networks, one of the world’s first pay-as-you-go solar companies that now provides modern energy to over 100,000 rural Indian consumers. He has held senior product and operational roles at leading off-grid solar providers in Asia and Africa, and has authored industry-leading publications on energy access and digital finance. Jacob has provided off-grid energy strategy and business development services to development and impact investors, multilaterals and bilaterals, banks and microfinance institutions, and distributed energy service companies. He holds a Master’s degree in Environmental Science and Policy from Columbia University and a Bachelor’s degree in Financial Accounting from George Mason University.

Publications by this author

La planeación de escenarios puede ayudar a las cooperativas de ahorro y préstamo mexicanas a prepararse para el impacto del COVID-19
Financial Health |

La planeación de escenarios puede ayudar a las cooperativas de ahorro y préstamo mexicanas a prepararse para el impacto del COVID-19

Todas las opiniones aquí expresadas son exclusivas de BFA Global, por lo que MetLife no es responsable de la...

By Jacob Winiecki
Assessing the impact of tech-enabled urban mobility: Report intro blog post
Livelihoods and Microenterprise |

Assessing the impact of tech-enabled urban mobility: Report intro blog post

An essential service in short supply Affordable and safe mobility is an essential service, enabling people to access goods...

By Jacob Winiecki
Assessing the impact of tech-enabled urban mobility
PAYGo and Essential Services |

Assessing the impact of tech-enabled urban mobility

Affordable and safe mobility is an essential service, enabling people to access goods and services, education and employment opportunities,...

By Jacob Winiecki
Scenario planning can help Mexican financial cooperatives prepare for COVID-19 impact
Financial Health |

Scenario planning can help Mexican financial cooperatives prepare for COVID-19 impact

All opinions are BFA Global’s.   While the pandemic has caused simultaneous supply and demand shocks to economies around...

By Jacob Winiecki
Keeping the Lights On: How PAYGo Solar Can Offer Customer Relief During COVID-19
PAYGo and Essential Services |

Keeping the Lights On: How PAYGo Solar Can Offer Customer Relief During COVID-19

Originally posted on the NextBillion Website, May 1, 2020  Off-grid solar delivers essential energy services for millions of people,...

By Jacob Winiecki
How the PAYGo solar sector can prepare for the coronavirus and keep the lights on
PAYGo and Essential Services |

How the PAYGo solar sector can prepare for the coronavirus and keep the lights on

Many parts of the world are currently locking down in an intense effort to contain COVID-19 before it takes...

By Jacob Winiecki
How financial institutions can deliver payment flexibility using lessons from PAYGo solar
PAYGo and Essential Services |

How financial institutions can deliver payment flexibility using lessons from PAYGo solar

Technology-enabled pay-as-you-go (PAYGo) has unlocked millions of loans in the off-grid solar sector, and the model is already being...

By Jacob Winiecki
How to design PAYGo operational models to improve repayment
PAYGo and Essential Services |

How to design PAYGo operational models to improve repayment

There has been a lot of work exploring why some pay-as-you-go (PAYGo) solar customers stop paying after they are...

By Jacob Winiecki
The power of flexibility: How innovative payment models can expand access to energy services
PAYGo and Essential Services |

The power of flexibility: How innovative payment models can expand access to energy services

In the past eight years, over 10 million people in emerging economies have acquired modern energy for the first...

By Jacob Winiecki
The Best of Both Worlds: Decoupling Financing from Distribution through FSP-Led PAYGo
PAYGo and Essential Services |

The Best of Both Worlds: Decoupling Financing from Distribution through FSP-Led PAYGo

  In just eight years over three million PAYGo solar systems have been sold, and over $1B has been...

By Jacob Winiecki
Machine Learning in PAYGo: What You Need to Know Before You Jump In
PAYGo and Essential Services |

Machine Learning in PAYGo: What You Need to Know Before You Jump In

Last summer, we published a post that described how ZOLA Electric uses Machine Learning (ML) to predict which of...

By Jacob Winiecki
Rethinking Agents to Scale PAYGo Businesses
PAYGo and Essential Services |

Rethinking Agents to Scale PAYGo Businesses

How to Leverage Agents for Critical Customer Relationship Management     Field agents have been critical to expanding digital...

By Jacob Winiecki
Realities of Digitizing PAYGo Operations in an Unbundled World
PAYGo and Essential Services |

Realities of Digitizing PAYGo Operations in an Unbundled World

Digitization Helped PEG Africa Increase Efficiency, Data Visibility and Agent Satisfaction Digitizing operations for PAYGo 2.0 providers seems like...

By Jacob Winiecki
The Promise of “Unbundling“ to Reshape PAYGo Solar
PAYGo and Essential Services |

The Promise of “Unbundling“ to Reshape PAYGo Solar

Unbundling is leading to significant innovation in technology and business models in the PAYGo solar sector. Instead of trying...

By Jacob Winiecki
Predicting Payment Behavior in PAYGo: Machine Learning Can Power Customer Retention
PAYGo and Essential Services |

Predicting Payment Behavior in PAYGo: Machine Learning Can Power Customer Retention

Customer churn is a major headache for most companies and threatens to put the brakes on the red-hot growth...

By Jacob Winiecki
The Odd Couple: PAYGo Solar and Financial Service Providers
PAYGo and Essential Services |

The Odd Couple: PAYGo Solar and Financial Service Providers

Co-written by Elizabeth Davidson If you are one of the 73 percent of Ugandans who is not connected to...

By Jacob Winiecki
How Flexible Financing, Solar Panels and Data Could Be Key to Financial Inclusion
PAYGo and Essential Services |

How Flexible Financing, Solar Panels and Data Could Be Key to Financial Inclusion

  Pay-as-you-go (PAYGo or PAYG) is emerging as a solution that addresses both end-customer affordability and provides sufficient margins...

By Jacob Winiecki