PAY-AS-YOU-GO FINTECH MODELS FOR CLEAN ENERGY ADOPTION
クリーンエネルギー導入のためのPAYGフィンテックモデル (AI 翻訳)
Mrs. A. Lalitha, Mohammad Shah Alam Chowdhury, Mohammad Mehedi Hasan
🤖 gxceed AI 要約
日本語
本論文は、Pay-As-You-Go（PAYG）フィンテックモデルが、低所得層のクリーンエネルギー導入と金融包摂を促進する仕組みを概念的に分析する。太陽光発電システムやミニグリッドへの小額分割払いを可能にし、環境・社会・経済的便益をもたらす。ただし、デジタルリテラシーや規制上の課題も指摘される。
English
This conceptual paper examines Pay-As-You-Go (PAYG) FinTech models that enable clean energy access for low-income households through small, periodic payments. It highlights how digital payments and smart metering reduce financial barriers, enhance financial inclusion, and contribute to environmental sustainability. Challenges such as digital literacy and regulatory gaps are also discussed.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本ではSSBJやTCFD対応が進むが、本論文は新興国におけるエネルギー貧困対策としてのPAYGモデルを提示し、日本のODAや自治体の海外展開戦略にも示唆を与える。
In the global GX context
While Japan focuses on domestic decarbonization and ISSB alignment, this paper offers a global South perspective on inclusive clean energy financing via PAYG models, relevant for international development finance and climate justice discussions.
👥 読者別の含意
🔬研究者:Researchers in energy transition and fintech will find a conceptual framework linking financial inclusion and clean energy adoption.
🏢実務担当者:Practitioners in renewable energy or microfinance can learn how PAYG models reduce upfront cost barriers for low-income customers.
🏛政策担当者:Policymakers in developing countries can consider regulatory support for PAYG to accelerate clean energy access and financial inclusion.
📄 Abstract（原文）
ABSTRACT Access to clean, reliable, and affordable energy is essential for economic growth and social well being, yet a large section of the population in developing and emerging economies continues to experience energy poverty. High upfront costs of renewable energy systems, limited access to formal banking, and lack of credit history often prevent low-income households from adopting clean energy solutions. In recent years, Pay-As-You-Go (PAYG) FinTech models have emerged as an effective and inclusive approach to address these challenges. The PAYG model combines digital financial technologies with renewable energy systems, allowing users to access clean energy products such as solar home systems, mini-grids, and clean cooking solutions by making small, affordable payments over time instead of a single large investment. This paper aims to examine the working of PAYG FinTech models and evaluate their contribution to clean energy adoption and financial inclusion. The study is based on a conceptual and descriptive research design, using secondary data collected from academic journals, industry reports, and documented case experiences. The findings suggest that PAYG models significantly improve access to clean energy by reducing financial barriers and aligning payment structures with the income patterns of low-income households. The use of mobile payments, smart metering, and alternative credit assessment not only enhances affordability but also integrates previously unbanked users into the formal financial system. In addition to economic advantages, PAYG models contribute to environmental sustainability by reducing reliance on fossil fuels and lowering carbon emissions. They also generate positive social outcomes, including improved living standards, better health conditions, and greater empowerment of women. However, challenges such as digital literacy gaps, payment risks, and regulatory constraints need to be addressed. With supportive policies and technological advancements, PAYG FinTech models hold strong potential to accelerate clean energy adoption and sustainable development.
🔗 Provenance — このレコードを発見したソース
- Zenodo https://zenodo.org/records/21531891first seen 2026-07-25 04:13:30
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gxceed は公開メタデータに基づく研究支援データセットです。要約・翻訳・解説は AI 支援で生成されています。 最終的な解釈・検証は利用者が原典資料に基づいて行うことを前提とします。