Extra Budget for Holiday Preps: Grab and Maya Team Up for Easy Credit Access

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Grab users can get as much as Php 30,000 in just three easy steps

As the holiday season approaches, many Filipinos are already planning festive celebrations – from grand feasts and family reunions to exciting travel plans. To help make these moments even more memorable, Grab and digital bank Maya have teamed up to offer a fast and convenient way to access extra funds in time for the holidays.

Introducing Maya Easy Credit on Grab, a hassle-free loan option that allows eligible Grab users to borrow up to ₱30,000 without the need for collateral, paperwork, or the usual waiting time associated with traditional loans. This collaboration is designed to ensure Grab users can enjoy a smooth, seamless borrowing experience just in time for the holiday rush.

If you are a frequent Grab user, you could be among the pre-selected users eligible to apply for a Maya Easy Credit! There are two ways to verify this!

1, Check your Grab Homepage for a ‘Say Yes to Extra Budget’ Icon

2. Check your Grab in-app notifications and messages if you have received an offer to apply for a Maya Easy Credit Loan

If you've spotted the homepage feed card or received the Maya Easy Credit notification, you're just a few steps away from applying for your loan. We've simplified the process for Grab users:

1. Apply: Click the link in your notification box or the feed card. Hit 'Apply Now'. You'll be directed to a Grab form that needs to be filled out.

2. Verify: Enter your Grab-registered number to receive an OTP. As a pre-qualifier for the Maya Credit Loan, you'll also be asked to provide consent to share your Grab information with Maya.

3. Review: You'll then receive a notification from Maya Bank where you will be provided instructions to view your Maya Easy Credit Offer on the Maya app and subsequently input application details. If you're satisfied with the offer, you can proceed to open a Maya Credit account.

Harnessing the power of data analytics, Grab and Maya have optimized the evaluation of creditworthiness, ensuring the entire application process is made extra fast and convenient! With Maya Easy Credit, you can effortlessly make various QR PH transactions, shop at the Maya Store, or make online payments with selected merchants with an extra budget of up to P30,000. You can also use Maya Easy Credit to cash into your Maya wallet, which you can link on the Grab platform and include in your choices of cashless payment options for your transactions on the leading superapp.

Maya Easy Credit on Grab is the perfect financial tool to help with all your holiday preparations, offering you quick, easy access to extra funds when you need them most.

As Labor Day approaches, Pluxee — a leading global employee recognition solutions provider — urges employers to honor their workforce through personalized digital solutions

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Labor Day is a time to commemorate the contributions of the workforce across all industries. It’s also timely for employers to reflect on the commitment of their employees who fuel their organization’s success everyday.

The World Bank reported that the estimated unemployment rate in the Philippines is at its lowest level since 1999, indicating signs of recovery in the labor market. This means that over 90% of people in the working age group were employed, with the majority falling into the pay and salary category. 

However, employee retention remains a major problem for most employers. The country is still experiencing the effects of “The Great Resignation” brought by the pandemic, with 29% of employees looking for greener pastures.

Studies show that employee appreciation is crucial for retention. This goes beyond verbal recognition and transcends into rewards and incentives for their meaningful efforts. 

Previously Sodexo Benefits and Rewards Services, Pluxee has strengthened its identity with a renewed commitment to advancing worker recognition that aligns with Labor Day celebrations. It now highlights customized digital solutions, with its flagship offering — Pluxee Gift — at the forefront of creating joyful and sustainable employee appreciation experiences.

Elevating employee appreciation with Pluxee Gift  

Pluxee Gift makes employee milestones and rewards more meaningful. It features a wide variety of redemption options for different services and special treats such as meals, spa days, shopping sprees, and many more. This diverse range caters to a broad spectrum of preferences, creating joyful experiences for every employee.

Pluxee Gifts come in different forms that can cater to any employee experience journey:

Pluxee Gift credits: Pluxee Gift credits are sent to the Pluxee Philippines app of recipients via web portal. These credits are partially redeemable, meaning recipients don't have to use the credits all at once in a single transaction. Credits may be used at over 10,000 partner merchants and online stores such as Grab, Lazada, Shopee, Angkas, and Klook. Pluxee Gift credits are best for recurring benefits such as allowances, performance-based incentives, and more.

Pluxee Gift codes: Employers can simplify the gifting experience with texts and emails, eliminating storage requirements and manual tracking of rewards. Pluxee Gift codes are also convertible to Pluxee Gift credits to allow partial redemption. Furthermore, Pluxee Gift codes can be customized with the company’s logo and message, and can be made valid for specific merchants and products only.

Pluxee Gift card:  A hybrid reward, the Pluxee Gift card is a physical card that carries digital Pluxee Gift codes. Recipients can use them instantly, with no activation needed. Pluxee Gift cards are convertible to Pluxee Gift credits for recipients who prefer to store their rewards in an app and enjoy features such as partial redemption and online shopping. Customization is also possible with the company’s logo or for specific products.

This Labor Day, Pluxee encourages organizations to celebrate and reward their employees' achievements through innovative recognition solutions. With its Live Joyful campaign, Pluxee enables memorable experiences, amplifying the celebration of employees' contributions and emphasizing the joy found in meaningful recognition.

Want to know more about how Pluxee can elevate your employee experience in a manner unique to your organization? Sign up at bit.ly/PluxeePartnerClient or call our Pluxee Customer Care hotline at (02) 8689-4700. If your organization is an SME that prefers to shop digital gift certificates online, visit shop.pluxee.ph - registration is easy and preferential rates for business accounts are available.

Pluxee is here, your new Global partner in employee benefits and engagement

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Sodexo Benefits and Rewards Services Philippines is now Pluxee, as in a strategic move to strengthen its commitment to elevating the overall experience of its clients, partner merchants, and consumers.

The spin-off from the Sodexo Group is a global initiative announced last year to give its gifting business a digital-first brand that reflects its ambition to offer personalized, sustainable solutions to the evolving market.

In the Philippines, Pluxee builds upon the strong foundation laid by Sodexo Philippines, a joint venture with SM Investment Corporation.

Launched in 2003, Pluxee became the pioneer and biggest issuer of gift certificates in the country. Over the years, it introduced industry firsts such as an e-commerce platform to make GCs instantly accessible to businesses and consumers, SMS and email based GCs, and a rewards app enabling partial redemption of GCs and acceptance in online stores. As a proud partner of SM, the country's retail giant, Pluxee also powers the SM Gift Pass and their latest digital rewards solution, the SM Gift Pass Choice. Pluxee ramped up its partnership with the country’s most preferred brands and now boasts of over 17,000 accredited merchants.

Pluxee Gift

A trusted brand in navigating the landscape of the 21st-century workplace, Pluxee addresses the unique needs of each client. At the forefront of Pluxee products is the Pluxee Philippines app, where clients can send Pluxee Gift credits to their recipients via web portal. The credits are partially redeemable in over 10,000 merchants and can also be used in app-exclusive brands such as Angkas, Grab, Klook, Lazada, Shopee, and more. Pluxee Gift also comes as codes that can be distributed via SMS or email. This is API-enabled and can seamlessly integrate with clients’ systems to fully automate incentive programs. Codes can also be customized and accepted at specific brands or for specific products to cater to clients’ preferences.

Pluxee introduces another innovation with the Pluxee Gift card, a physical card that comes with digitally powered codes and may be used instantly in stores. These codes can be converted to Pluxee Gift credits in the Pluxee Philippines app to enable partial redemption and access to app-exclusive brands.

"Being one of the leading global partners in employee benefits and engagement, we’re dedicated to unlocking opportunities to enhance people’s lives at work and beyond,” says Mert Cetin, CEO of Pluxee Philippines. 

“We cover areas such as food, recreational activities, gifts, wellness, mobility, and more. We harness the power of digital to help our Clients give meaningful, sustainable rewards that foster a motivated and satisfied workforce. We make it easy for Consumers to use their rewards and maximize their choice with the continued expansion of our merchant network. We support our Merchants by accelerating traffic and reach so they can thrive in a competitive market,” he adds.

Live Joyful with Pluxee

In line with the launch of Pluxee in the Philippines, the brand kicks off its “Live Joyful” digital campaign, which highlights the many ways that Pluxee Gifts enable memorable experiences.

“A Pluxee Gift is more than just a reward or benefit. It’s a personal, immersive experience from making the most of what you have and enjoying what really matters to you. The campaign is an ode to the vibrant and optimistic spirit of Filipinos who never run out of ways to create and spread happiness,” says Sharon K. Velasco, Marketing Director of Pluxee Philippines.

Pluxee invites clients, partners, and the public to explore its products and services, and the countless joyful moments that these can bring. Watch out for more exciting developments in store. For more information, visit bit.ly/PluxeePhilippines. For gifting needs, you can purchase Pluxee Gifts at shop.pluxee.ph, call the Customer Care Hotline at 8689 4700, or email support@care.pluxee.ph.

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About Pluxee

Pluxee is the global leading employee benefits and engagement partner that creates meaningful, engaging, and personalized experiences to contribute to the well-being of individuals at work and beyond. The company offers a full range of innovative and digital solutions deployed in 31 countries. From meal and food, culture, gifts to wellness and mobility, Pluxee’s products and services are designed to bring more value to people. Pluxee promotes the well-being of more than 36 million consumers. Pluxee accompanies 500,000 clients to develop more meaningful relationships with their employees and improve their engagement. Pluxee simplifies the life of 1.7 million merchants every day. Strengthened by its historical ties with Sodexo, Pluxee with its 5,000 employees is committed to increase its influence as a CSR leader by giving its clients, partners and consumers the means to make more sustainable choices every day.

For more information: www.pluxeegroup.com

Globe Group, local partners turn Lolo, Lola into #SeniorDigizens in digital inclusion push

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Leading digital solutions platform Globe Group is set to transform the digital landscape for Filipino seniors with its innovative "Teach Me How To Digi" #SeniorDigizen Learning Session, set on January 25 at the Skydome, SM North Edsa.

 

Gathering at least 220 senior citizens in half a day of enriching tech learning, the #SeniorDigizens event is backed by some of the biggest brands in tech and retail, and by senior citizen advocates from the government.

 

“It’s really very important that our senior citizens learn digital skills because in the future, a lot of services will truly become fully digital. We have to help the seniors overcome their fear. And I guarantee you that once you try it, it’s going to be as easy or much easier than the old manual way,” said Ernest Cu, Globe Group President and CEO.

 

“As digitalization accelerates, tech adoption should be simple and easy for everyone, no matter the age. Technology should not be intimidating or difficult for our seniors, and they should be able to enjoy its benefits. The goal of our #SeniorDigizens campaign is to equip them with knowledge that will help them adopt new tech and apps that address their day to day pain points,” said Yoly Crisanto, Chief Sustainability and Corporate Communications Officer of the Globe Group.

 

The event features learning sessions on digital skills: How to create a Gmail account to be facilitated by Google, a 101 course on using smartphones via Globe, and sessions on using fintech platform GCash and telehealth service KonsultaMD.

 

Apart from hosting the event at Sky Dome, retail giant, SM, is providing an opportunity for senior citizens to join the Super Grannies Club (SGC), the grandest Facebook community for seasoned individuals. As SGC members, participants gain early access to events, exclusive mall deals and updates on SM Cares programs. These include health and wellness activities like Walk for Life, the award-winning Emergency Preparedness Forum and community service programs that enable a fun, active and productive lifestyle for lolos and lolas.

 

SM’s loyalty program SMAC, meanwhile, sponsored the event in SM Malls, as it is one with Globe in giving importance and joy to senior citizens.

 

“We are happy to support Globe in bringing to fruition our shared vision of digitalizing seniors. SM has long given seniors priority in our initiatives, and so our partnership with Globe for the #SeniorDigizens campaign is natural and seamless,” said Jay Beltran, Head of Sales and Marketing, Digital Advantage Corporation (DAC).

 

The National Commission of Senior Citizens (NCSC), led by its Chairperson and CEO Atty. Frank Quijano, has a booth where seniors will be guided on how to register in its database, which the agency hopes to build to take stock of the living situation, health concerns, skills and other important information about the country’s roughly 11 million senior citizens. The NCSC will also bring volunteers to help seniors in tech tutorials.

 

“We thank Globe for embarking on this program that addresses major concerns when it comes to seniors: digitalization and online safety. We at NCSC have been pursuing our own efforts to bring the elderly into the digital space safely, and we are happy to find an ally in the private sector to introduce seniors to new technologies while at the same time protecting them from the dangers that lurk online,” Quijano said.

 

Rep. Milagros Aquino-Magsaysay of United Senior Citizens Partylist is also on board, bringing senior citizen delegates to the event.

 

“We’d like to congratulate Globe for giving seniors priority through its #SeniorDigizens campaign. This is an initiative worth emulating. United Senior Citizens Partylist is one with Globe in seeing this through,” said Aquino-Magsaysay.

 

The Quezon City government also brought a delegation of senior citizens to the event and provided crucial logistics support.

 

“The city government of Quezon City is proud to partner with Globe in this undertaking. In QC, we give our seniors top priority in terms of public services to help them live their sunset years as active and productive members of society. This project is key in helping them transition into a digital life and help them enjoy the benefits of modern technology,” said Quezon City Mayor Joy Belmonte.

 

Meanwhile, #TeamGlobeofGood influencers Kiray Celis and Chuckie Dreyfus are lending their talent and bringing entertainment to the event, while internet personality Lester “Buji” Babiera, a talent of Globe Group agency NYMA, is bringing his brand of dynamic hosting onstage.

 

The #SeniorDigizen learning session, a significant effort to close the digital divide for the elderly, follows the success of the “Teach Me How to Digi” TikTok contest held in September last year. The contest received over 200 impressive videos showcasing tech lessons imparted by younger family members to their senior loved ones.

 

At the event, Globe will award 25 winners with prizes worth P25,000. They will also get to take part in the learning session.

 

"We are excited to help our senior citizens take their first steps into the digital world, ensuring they are not left behind in this fast-paced digital era. This event is our commitment to ensuring that they are not just consumers of technology but actively engaged in the evolving tech-savvy society,” said Liza Reyes, Public Relations and Communications Strategy Head at the Globe Group.

 

Globe’s #SeniorDigizens campaign promises not only to educate but also inspire a new generation of empowered seniors, ready to engage and connect in today's rapidly evolving digital environment.

 

To learn more about Globe, visit www.globe.com.ph.

Globe steers customers to purchase prepaid load via digital channels

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Leading digital solutions platform Globe is shifting its prepaid load top-ups and load selling via digital channels in lieu of the popular call cards. This is in line with its commitment to sustainable business operations and seamless service delivery. 

Users of Globe Prepaid, TM and Globe At Home Prepaid WiFi may load up via the following loading channels, which can be accessed for free:

●       GlobeOne App

●       GCash

●       Globe website

“These digital alternatives make loading up easy and convenient and align with our continuing effort to embed sustainability in our operations. We encourage our customers to embrace this digital shift and join us in this digitization journey,” said Eric Tanbauco, Vice President of Mobile Prepaid Business at Globe.

Load top-ups via electronic reloading in sari-sari stores, convenience stores and malls will remain available.

Retailers with remaining prepaid load cards may continue to sell while supplies last. Customers may still avail of these prepaid load cards and use them until the expiration date indicated.

Here’s how users of Globe Prepaid, TM and Globe At Home Prepaid WiFi can load up:

1. GlobeOne App

GlobeOne app allows customers to track their load and data, pay bills, reload, subscribe to promos and more.

Step 1: Log-in to GlobeOne app and click on the “Buy Load.”

Step 2: Choose an account or type a mobile number.

Step 3: Enter your desired load amount, then tap “Buy Load.”

Step 4: Choose your preferred payment method and pay.

2. Online Loading via Globe’s website

Step 1: Go to the loading page (https://new.globe.com.ph/buy-load?)

Step 2: Enter your Prepaid mobile number.

Step 3: Choose an amount or Prepaid promo to load.

Step 4: Click “Next” and choose your mode of payment (gcash or debit/credit cards)

3. Via GCash

Through GCash, customers can buy load for its own number or send load to others.

            Step 1: Download the GCash app from Google Play or App Store.

            Step 2: Open GCash and select “Load.”

            Step 3: Input the mobile number and press “Next.”

            Step 4: Select the load amount and press “Buy Now.”

Step 5: Confirm the amount of load and press “Pay” to proceed with your transaction.

Globe will continue to expand and provide more ways to top-up and sell loads digitally within the first quarter of this year.

To know more about Globe’s mobile offers, visit globe.com.ph.

Unpack joyful gifting opportunities this holiday season with Pluxee, a Sodexo company

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Over the past two decades, Sodexo Benefits and Rewards Services has enabled rewarding experiences for over 4,000 corporate clients and their employees in the Philippines. This year, the company brings an extra sparkle to gift-giving with its first Christmas campaign carrying its new brand, Pluxee.

Pluxee, a Sodexo company, launches the “Magical ConneXions” campaign

for a more joyful holiday season

Pluxee, a Sodexo company, ushers in the holiday season with a range of promotions to make it easier for corporate clients to upgrade their rewards and recognition efforts, and open up a world of opportunities for their recipients.

Dubbed "Magical ConneXions," the campaign aims to bring more joy to employees, partners, and consumers with a focus on convenient, relevant digital gifting solutions. “As Sodexo Benefits and Rewards Services transitions to Pluxee, clients can count on our heritage of expertise and global perspective on innovation to elevate employee experience and engagement. The wordplay in Magical ConneXions is an ode to the ‘X’ in Pluxee which represents the importance of our relationships with clients, merchants and consumers in everything that we do,,” said Marketing Director Sharon K. Velasco.

Discounts on top of rebates and waived fees for corporate clients

New clients can enjoy up to 75% on service fees, rebates on total orders, waived portal fees worth Php 30,000, plus free API integration if required. Additional discounts are also available with Christmas products such as vouchers for ham, baskets, and cakes. Existing clients can enjoy all these, plus flexible pay later terms.

Ham-azing Deals at GC Regalo

From October 9 until December 31, Consumers and MSMEs ordering as low as P4,500 from Pluxee’s e-commerce store, GC Regalo, at www.GCregalo.sodexo.ph, can get free digital gift certificates (GCs) of Purefoods Ham.

Next-level gifting by Pluxee

As the pioneer of paper gift certificates in the country, Pluxee, a Sodexo company, was also the first to offer SMS and email based gift certificates and the only provider of app-based GCs. The email and SMS based GCs sent as codes to recipients’ mobile numbers and inboxes via user-friendly web portal. These are API enabled for easy integration with clients’ systems and can be customized for specific products and brands. Additionally, the app-based GCs can be partially redeemed, sent as credits to other users, and used to redeem vouchers at popular e-commerce stores like Grab, Lazada, and Shopee.

“In keeping with our tradition of launching industry milestones, we continue to evolve together with our stakeholders in a fast-paced digital landscape. We put in careful thought in enhancing UX across our products and platforms, actively expand our merchant network and touchpoints in key cities nationwide, and invest in technologies to develop solutions for tomorrow. Today, we are investing in the brand to let the world know that the best is yet to come from the most trusted rewards and benefits provider,” CEO Mert Cetin shared.

In the Philippines, Pluxee is a proud partner of the country’s largest retail network, SM. Pluxee powers SM’s official GC, the SM Gift Pass, and has recently launched the digitally-powered SM Gift Pass Choice, accepted at all SM Store branches and affiliates.

This Christmas, let your recipients enjoy what truly matters with Pluxee, your global partner in gift-giving this season and beyond.

Experience Digital Transformation Through Rise with SAP and Appcentric

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Technology innovation and transformation are the processess of creating better solutions to meet new challenges for growth. When business organizations use it effectively, they can create new opportunities for all. The power to go beyond the existing possibilities also gives them a competitive advantage in the industry and opens the doorway to success.

Rise with SAP and Appcentric Solutions Inc

Ready to elevate your business to the next level?

Rise with SAP and Appcentric Solutions Inc. provides a holistic approach to digital transformation, helping businesses of all sizes unlock their full potential.

Your business can achieve digital transformation goals and unlock new opportunities for growth. Rise with SAP and Appcentric PH provide end-to-end support to business, from initial discovery and planning to implementation and ongoing support.

Cloud ERP solutions for SAP companies are in demand these days as business processes are transformed to adapt to the changing needs of the times.

RISE with SAP can transition your current Enterprise Resource Planning (ERP) data and processes to the cloud with less risk and without compromise. The bundle of tailor-made ERP software, transformation services, business analytics, and partner expertise guides you along a personalised path to the cloud.

Tailored-to-fit cloud ERP solution

- Automate business processes across your operations

- Create innovative business models at global scale

- Grow your bottom line with native, industry-specific best practices

- Adopt a clean core strategy to optimise cloud ERP qualities

Business process transformation

- Understand, improve, and transform your business processes faster and at scale

- Deliver instant insights on key performance indicators

- Accelerate projects with a state-of-the-art process modelling platform

- Share knowledge and ideas to drive continuous innovation

Business platform and analytics

- Access real-time, complete views of all your data

- Enrich user interactions with artificial intelligence (AI) and automation

- Customise business processes without requiring costly maintenance

- Work faster and more responsively with low-code and no-code development tools

Outcome-driven services

- Transition to the cloud at your own pace with a trusted global provider

- Source the partners and skills you need from a global partner ecosystem

- Benefit from a service level agreement for 99.7% application uptime

- Enable, measure, and support ongoing digital transformation

Product Value Take the lead with industry innovation for top-line, bottom-line, and green-line growth

- Grow revenue by creating differentiating business models in your industry

- Increase margin with built-in industry-specific processes and best practices

- Manage sustainability with company-wide transparency and controls

- Unlock new efficiency with intelligent automation across mission-critical processes

Never stop improving with continuous insight to optimise business processes

- Prioritize optimisation opportunities with instant analysis of processes, activities, and tasks

- Sharpen process performance based on actual system usage, best practices, and industry benchmarking

- Accelerate your progress with tailored insight into where business processes should be automated with AI

Trust your move to the cloud with built-in security focused on protecting your enterprise

- Safeguard data integrity and confidentiality with data security

- Support compliance with business process security

- Mitigate risk with constant improvement across operations

- Reduce time-consuming security tasks so your team can focus on business innovation

With Rise with SAP and Appcentric, you can access the best-in-class technologies and services you need to drive your business forward. Drive your business toward a future filled with success, innovation, and endless possibilities.

Konw more on Rise with SAP and Appcentric Solutions Inc. through their Website: https://appcentric.ph/

Follow them on Facebook: https://web.facebook.com/AppcentricPH

More than an e-wallet: GCash equips MSMEs to thrive in the digital economy

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GCash, the Philippines’ number one financial super app, empowers micro, small, and medium enterprises (MSMEs) to take on opportunities and navigate through the digital economy through its fintech solutions.

A local market vendor in Baguio benefiting from GCash’s effective fintech solutions

“This MSME month, GCash underscores its key role in helping businesses in the country level up through our extensive suite of digital financial services. From affordable lending for business expansion; business insurance to protect their assets and operations; as well as cashless transaction tools to help them reach more customers – GCash is evolving to becoming more than an e-wallet,” said Ren-Ren Reyes, President and CEO of G-Xchange, Inc. (GXI), the mobile wallet operator of GCash.

GCash offers GLoan which provides instant cash loans to kickstart business goals; and GInsure, through Negosyo Insure of its partner, Malayan Insurance, to protect hard-earned investments. Business owners can also enjoy seamless payment experiences with Scan-To-Pay, enabling easy QR code payments offline.

Easy access to loans for entrepreneurs

GLoan boasts of an easy application process as it considers users’ in-app behavior to provide them with pre-approved loans. Eligible users can easily access GLoan and use the funds to start or expand their business.

35% of GCash’s borrower base are business owners and it’s looking at providing 1.5 million more informal sellers with lending solutions to help grow their business.

Business Protection made affordable and accessible

GCash also understands that starting businesses may be risky, that is why the super app has made available, via GInsure, Negosyo Insure, underwritten by Malayan Insurance and powered by Igloo. For as low as PHP525 per year, MSMEs can be assured of secure and insured business operations for accidents that may happen to them, their property, and even their money.

GInsure can easily be accessed through the GCash app, with minimal requirements and steps for processing.

Additional income made easy via GCash PO

GCash has also created a way for sari-sari store owners to grow their business by earning as much as Php 50,000 per month, through commissions or bonuses earned as a GCash Pera Outlet (PO). This not only enables small businesses to grow, but also helps locals have a convenient one-stop-shop in their communities so they may avail of GCash’s services such as Cash In, Cash Out, Pay Bills, and Send Money.

Signing up for this has been made simple in the GCash app - all one has to do is click “GCash PO” under business services on the GCash dashboard, fill up the application form and submit along with business registration. Approval will be released within five (5) to seven (7) business days.

“In line with our mission to achieve 'Finance for All', we make sure we are able to pave the way for our MSMEs to meet their business goals. To date, we are empowering 845,000 small-scale community merchants from public market vendors, to sari-sari store owners, and tricycle driver associations,” added Reyes.