Late or missed payments is a huge problem in Latin America and many developing countries around the world. We’ve developed Pagahora to be everyone’s financial advisor. We created a platform where users can pay for consumption services such as water, electricity, TV, loans etc. We are developing analytics that will help the users to administrate a monthly budget based on their income and fixed debt and give them analytics on their expenditures. As a result, they will receive alerts about their next upcoming required payment.