Jacob Winiecki

Jacob Winiecki

Consulting Associate - Off-grid Energy and Digital Finance Specialist

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

How credit can unlock growth and contribute to the financial health of spazas in South Africa’s informal economy
Livelihoods and Microenterprise |

How credit can unlock growth and contribute to the financial health of spazas in South Africa’s informal economy

Digital Spazas credit interventions During the first phase of the Digital Spazas program, we quickly learned how important credit...

By Jacob Winiecki
Building the resilience of South African spazas through digitization
Livelihoods and Microenterprise |

Building the resilience of South African spazas through digitization

The COVID-19 pandemic has undeniably impacted the global economy, requiring governments to take rapid action to restrict physical movement...

By Shirley Mburu
Digital innovations to build the resilience of South African spazas: The case of A2Pay
Livelihoods and Microenterprise |

Digital innovations to build the resilience of South African spazas: The case of A2Pay

The Organisation for Economic Co-operation and Development (OECD) estimates that 54% of the 2.6 million micro, small and medium...

By Shirley Mburu
Digital innovations to build the resilience of South African spazas:  The case of Yebo Fresh and Vuleka
Livelihoods and Microenterprise |

Digital innovations to build the resilience of South African spazas: The case of Yebo Fresh and Vuleka

Phindi runs a fast food business in a township in Ekurhuleni, Gauteng. She was inspired to start her own...

By Shirley Mburu
Cold Chain in Emerging Markets
Climate Action |

Cold Chain in Emerging Markets

Food wastage and spoilage has dramatic impacts on economic productivity, greenhouse gas emissions, and food security. Unfortunately such wastage...

By Mediatrix Makungu
Learning From Our Past: Successful Ecosystem Evolutions Follow a Common Path
Climate Action |

Learning From Our Past: Successful Ecosystem Evolutions Follow a Common Path

In early 2021, BFA Global, CGAP, UNCDF’s Better than Cash Alliance, PayPal, the UN’s Race to Resilience, and the...

By Bethany Kanten
Cross-Cutting Themes for the Emergence of the DF4CR Ecosystem
Climate Action |

Cross-Cutting Themes for the Emergence of the DF4CR Ecosystem

By 2030, the DF4CR task force estimates that over 1 billion people can gain access to climate resilience solutions...

By Bethany Kanten
Building a Digital Finance for Climate Resilience Ecosystem: Insights from Industry Leaders
Climate Action |

Building a Digital Finance for Climate Resilience Ecosystem: Insights from Industry Leaders

The IPCC report released this week confirms what communities, households, and individuals around the world are already experiencing —...

By Jesse Fripp
Catalyzing an Ecosystem for Digital Finance for Climate Resilience
Climate Action |

Catalyzing an Ecosystem for Digital Finance for Climate Resilience

The UN-backed Race to Resilience campaign has committed to strengthening the climate resilience of 4 billion climate vulnerable people...

By Jacob Winiecki
Can inclusive fintech be the answer to climate resilience for underserved populations?
Climate Action |

Can inclusive fintech be the answer to climate resilience for underserved populations?

Climate change has already had a negative impact on the lives and livelihoods of billions of vulnerable, low-income, and...

By Malika Anand
Behind the macro-level statistics: The role of resilience in informing financial health in Mexico
Financial Health |

Behind the macro-level statistics: The role of resilience in informing financial health in Mexico

The decision to close his footwear store was one of the toughest José had to make in his 35...

By Jacob Winiecki
La oportunidad para modelos PAYGo en Latino América
Climate Action |

La oportunidad para modelos PAYGo en Latino América

Read in English El mercado solar de pago por uso (PAYGo) es un mercado de $ 1,75 mil millones...

By Bethany Kanten
The market gap for climate change solutions in Africa
Climate Action |

The market gap for climate change solutions in Africa

The COVID-19 pandemic has revealed the vulnerabilities of our health, financial, and economic systems. Scientists are warning that, at...

By Bethany Kanten
The opportunity for PAYGo in Latin America
Climate Action |

The opportunity for PAYGo in Latin America

The Pay-as-you-go (PAYGo) solar market is a $1.75B market serving over 420 million users, with over 30% annual revenue...

By Bethany Kanten
Stress Testing in Crisis: Helping Cooperatives Adjust Financial Projections during COVID-19
Financial Health |

Stress Testing in Crisis: Helping Cooperatives Adjust Financial Projections during COVID-19

The COVID-19 crisis has required major and rapid action at all levels of society and the economy.  As of...

By Jacob Winiecki
Pruebas de estrés durante la crisis: Ayudando a las cooperativas de ahorro y crédito en México durante la crisis del COVID-19
Financial Health |

Pruebas de estrés durante la crisis: Ayudando a las cooperativas de ahorro y crédito en México durante la crisis del COVID-19

Todas las opiniones aquí expresadas son exclusivas de BFA Global. Los patrocinadores del proyecto no son responsables de la...

By Gabriela Zapata Alvarez
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
REPORT: Assessing the impact of tech-enabled urban mobility
Livelihoods and Microenterprise |

REPORT: Assessing the impact of tech-enabled urban mobility

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
Artificial Intelligence |

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
Artificial Intelligence |

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