PayJoy, a mobile distributor and Allied Mobile, are collaborating to bring smartphone payment plans to markets across Africa. Allied Mobile will use PayJoy Checkout, a paperless finance system for customers without access to formal credit, and the patented PayJoy Lock which enables “pay-as-you-go” access to the phone. Consumers will be able to access these smartphone payment plans in mobile retail stores operated by Allied Mobile in 38 countries, starting with initial pilot countries. This partnership aims to solve fundamental barriers to mobile internet adoption in Africa. Africa is the least developed region in the world for mobile connectivity and adoption. More than half the population in Africa are using mobile services, yet only a quarter are accessing the internet via mobile.