Tech About PH

In digital lending, faster decisions are increasingly expected. But speed alone does not make a credit model better.   According to the Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey, 31% of Filipino borrowers cite fast loan processing and approval as their top consideration when taking a loan.   For lenders, delivering that speed is more complicated than simply collecting more information.   Skyro, an SEC-registered fintech company, says its approach is built around a different question: which data actually improves a credit decision? The company uses a combination of traditional and alternative data sources, verification tools, behavioral analytics, and automated fraud monitoring to assess applications. According to Skyro, this approach has contributed to an up to 10% improvement in portfolio profitability while helping the company make faster, more informed credit decisions without compromising verification and risk controls.   For Emmanue...

Officials from the City Government of Muntinlupa and GCash formally expanded their partnership through a Memorandum of Agreement (MOA), reinforcing the joint commitment to making financial assistance more accessible and convenient for scholars and beneficiaries. The City Government of Muntinlupa is expanding its existing partnership with GCash to provide scholars and other beneficiaries with more flexible ways to access financial assistance, including the option to use GCash Cards alongside digital disbursement services. This growth extends the city's financial disbursement system (FDS) partnership from select, limited scholarship programs to a broader student population, ensuring more scholars across Muntinlupa benefit from streamlined digital payouts. Building on the city’s ongoing use of digital disbursements, the expanded initiative has introduced physical GCash Cards to college beneficiaries. The first batch of cards was distributed to 180 Colegio de Muntinlupa scholars in Aug...

The Philippine Crop Insurance Corporation (PCIC), in partnership with GCash, is making it easier for farmers to access their insurance payouts by providing a faster and more convenient way to receive and use indemnity payments through digital financial services. Through this partnership, PCIC leverages the GCash Funds Disbursement Service (FDS) to deliver instant digital payouts as an alternative to traditional cheques. Farmers no longer need to travel long distances to encash cheques or attend distribution events, gaining direct, secure access to their funds via GCash.   PCIC and GCash are also issuing free co-branded PCIC x GCash Visa cards, giving farmers an accessible way to withdraw their insurance payouts from ATMs or pay directly at Visa-accepting merchants. This provides essential financial flexibility, ensuring uninterrupted access to emergency funds even when they do not have their mobile devices.   For many farmers who live far from cities and banking facilities, ac...

  The Ministry of Social Services and Development (MSSD) of the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) has partnered with GCash to expand its cashless disbursement system under the Financial Assistance System Transformation (FAST) Project, an initiative designed to make the distribution of social assistance faster, more efficient, and more transparent for beneficiaries across the region.   This strategic partnership broadens the reach of the FAST Project, ensuring that financial aid is significantly more accessible and convenient to receive, particularly for families living in remote and underserved communities.   “The FAST Project was designed to make social protection faster, more transparent and direct,” said MSSD minister Raissa H. Jajurie. “By bringing GCash onboard, we’re cutting down waiting times and making sure financial aid goes safely and seamlessly to Bangsamoro families and communities who need it most.”   Under the partnership, benefici...