Almost half a billion people are served by the off-grid solar industry, and a growing number of these via Pay-as-you-go (PAYGo) asset financing. For many consumers, not only is the solar product their first access to modern energy but it may also be their first access to finance. The impact of this can be huge – the 60 Decibels Energy Benchmark reveals that 92% of consumers report an improvement in quality of life after purchasing their off-grid solar (OGS) product. On the other hand, consumers of OGS are exposed to product, service, and financial risk that companies must mitigate and balance with sustainable growth objectives.