The Philippines’ digital banking sector is getting bigger, yet while its deposit base is sound at almost PHP139 billion, it is not spread out evenly across the players. As of December 2025, Maya Bank held PHP 67.7 billion in deposits, accounting for 48.9% of deposits across the country’s six digital banks then. GoTyme Bank is a distant second with PHP 43.5 billion, or 31.4%. According to findings from the 2026 Philippines Fintech Report, both Maya and GoTyme Bank collectively hold 80.3% of the deposits of digital banks as of December 2025. Both companies combined controlled more than 80% of the…

AI has outgrown the role of an assistant, now moving money, approving transactions, and carrying out multi-step tasks with little to no human input in every loop. These agents now behave more like participants in the business. Now, when a person makes a decision, accountability is obvious. But when an AI agent makes thousands of decisions a day on your behalf, your organisation has to answer three things. What did the AI do, why did it do it, and who is answerable for the outcome? Today, especially for compliance, risk, and fraud leaders who ultimately answer to a regulator when…

Throughout 2025 and early 2026, the Philippines successfully transformed digital finance from a national ambition into an everyday habit for millions of citizens. Capturing this inflexion point, the Philippines Fintech Report 2026 provides a comprehensive map of where the nation’s fintech ecosystem stands today and where it is heading next. Stepping into the spotlight as the ASEAN Chair for 2026, the country has placed its digital economic ambitions at the centre of a broader regional growth agenda. The numbers signal a mature, cash-lite economy: digital retail payments have crossed the halfway mark by both volume and value, while licensed digital…

Revolut’s been on a roll in the Philippines since last year. Back in July 2025, the company launched its Global Tech Hub in Manila to enhance its global capabilities and accelerate innovation. Fast forward to June 2026, and we hear buzz about an early-access waitlist for local users here, which further hints that the global financial technology company is pushing its expansion efforts. Now, what features could come your way if Revolut finally launches in the Philippines? Based on what’s already turning heads in other countries, here are some of the fantastic features we might see on the table if…

Cryptocurrency has gained immense popularity in the Philippines, with increasing adoption among investors and enthusiasts. Whether you’re a beginner or a seasoned trader, understanding how to buy, sell, and manage cryptocurrency is essential. This guide walks you through buying and selling cryptocurrency in the Philippines. It outlines the leading exchanges, explores the types of cryptocurrencies available, and covers trends and regulations shaping the market in 2025. What is Cryptocurrency? Cryptocurrency is a digital or virtual currency that uses cryptography for security. Unlike traditional currencies, cryptocurrencies operate on decentralised networks built on blockchain technology. This innovation ensures transparency, security, and resistance…

We’re living in a time when convenience is moving as quickly as you can blink, including all things payments, thanks to the gift of AI. Yet the very same technology is fuelling something far more sinister and constantly proving harder to tackle: fraud. Fraud numbers are growing exponentially. According to Juniper Research, eCommerce fraud could rise from $56 billion in 2025 to hit highs of $131 billion in 2030, with factors like friendly fraud carving deeply into merchant margins. Visa paints an equally alarming picture. Today’s cyber criminals are arriving armed with AI-powered deepfakes, synthetic identities, and agentic scams that…

More than 3.4 billion digital wallets are already in use worldwide, powering close to $9 trillion in annual payments. By 2026, digital wallet adoption is expected to rise to 5.4 billion users, cementing e-wallets as one of the most dominant financial tools on the planet. Yet, despite these transaction volume surges, margins remain as thin as ever. Payment processing has become a scale game, with high-volume, low-yield written all over it. How do banks, fintechs, and payment providers turn these high-volume, low-margin transactions into sustainable profit? Is there a way to effectively move beyond transactions and build ecosystems that drive…

The Philippines, renowned as the third-largest recipient of remittances globally, has emerged as a critical market for regulated crypto exchanges in the Philippines, fostering innovation in financial technology. With its high volume of remittances, rapidly increasing digital adoption and tech-savvy population, the country has become a fertile ground for Virtual Asset Service Providers (VASPs). Governed by the Bangko Sentral ng Pilipinas (BSP), these licensed platforms, often referred to as regulated crypto exchanges in the Philippines, enable seamless crypto-to-fiat and fiat-to-crypto transactions. In return, the country can empower millions of Filipinos with innovative financial services. However, the crypto market in the…

AI’s been reshaping financial services for several years now. But as its digital adoption accelerates, one factor determines whether AI extracts value or adds complexity: choosing the right partners for specialised applications. According to McKinsey, while AI tools are now widespread, most organisations have not embedded them deeply into their workflows, limiting their ability to generate impact at the enterprise level. The right AI fit has the capability to unlock something powerful, like transforming financial systems into agile, high-performance engines that respond as instantly as a digital-native platform. On the flip side, AI trained on flawed data and assumptions festers…

Crypto’s centre of gravity is shifting east. Over the past 12 months, right up to June 2025, the Asia-Pacific region recorded the fastest global growth, with value received skyrocketing by 69%, from US$1.4 trillion to US$2.3 trillion, according to Chainalysis. Nowhere is that momentum more visible than in Southeast Asia, where remittances, gaming, and payments are turning crypto into everyday infrastructure. It’s in this environment that Wei Zhou, Binance’s first CFO and current CEO of Coins.ph, is doubling down on a bet he placed back in 2022. By buying Coins.ph at nearly double what Gojek paid, he staked a thesis:…