Owning a Motorcycle is Now Fast and Easy with Home Credit

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Enjoy a new ride and unlock new possibilities for as low as ₱108 per day, with flexible installment deals available at KServico stores across Metro Manila and Luzon

How far can your ₱108 go? Nowadays, that amount might only get you a quick snack or a short ride—but with Home Credit Philippines, ₱108 a day can take you much, much farther. Imagine owning a motorcycle that gives you the freedom to beat traffic, explore more places, and even earn extra income through delivery or ride-hailing services.

For many Filipinos, a motorcycle opens doors to new opportunities. The challenge, however, is affordability, especially for those with limited cash or no solid credit history. That’s where Home Credit Philippines (HCPH), the country’s leading consumer finance company, steps in.

If you're in Metro Manila or Luzon, your dream motorcycle is now within reach. In collaboration with KServico, the widest retail network for motorcycles, three-wheelers, e-bikes, appliances, laptops, mobile phones, and furniture, Home Credit offers fast and easy financing for motorcycle purchases at any of the almost 180 KServico stores across the Metro Manila and Luzon.

Easily take home a motorcycle today for as low as ₱108 per day

With Home Credit, getting a top-of-the-line motorcycle from trusted brands has never been more accessible. Thanks to flexible installment plans of up to 36 months—with only a 10% down payment and a low interest rate of 3.3%—you can now choose from leading names like Honda, Kawasaki, Kymco, Suzuki, and Yamaha, available at KServico stores, and pay as low as ₱108 per day or ₱3,232 per month, depending on the model.

Applying for motorcycle financing is also made fast and easy. Simply visit the KServico page on Shoppingmall.ph to find the nearest branch, check the availability of motorcycle models, and explore your financing options. Once ready, head to your chosen KServico store, explore a wide selection of motorcycles, and pick the one that best suits your needs.

Best of all, you only need one valid ID to apply, and you can get approved in as fast as one minute. Home Credit sales representatives are available on-site to guide you through every step of the process, ensuring everything goes smoothly. Once approved, you can ride your new motorcycle home the same day.

With a wide range of motorcycles available at KServico stores, you’re sure to find one that fits your budget and needs. Whether it’s for everyday travel or a way to earn extra income, there’s a motorcycle waiting for you, paired with Home Credit’s fast and easy financing.

Here are some of the top picks you can take home today for a new ride that unlocks new possibilities:

Navigate the city streets with the Yamaha Mio Gear Motorcycle

The Yamaha Mio Gear Motorcycle is designed for urban mobility, making it an ideal choice for daily commutes and errands around the Metro. Equipped with a 125cc Blue Core engine and Smart Motor Generator (SMG) technology, it offers a smooth and reliable riding experience, with seamless engine start-ups. The Mio Gear also features an LED headlight with hazard lamps, an answer-back system for easy location, an electric power socket for charging your phone, tubeless tires for enhanced comfort, and a rider-side back step for easy passenger access, even with large luggage. Additionally, its stop-and-start system boosts fuel efficiency, while the 4.2L fuel tank provides a greater range for longer rides. With a 125cc displacement, this stylish yet tough motorcycle offers a perfect balance of performance and reliability. 

The Yamaha Mio Gear Motorcycle is available for as low as ₱114 per day or ₱3,422 per month for 36 months through Home Credit, with a price of ₱79,400.

Go the extra mile with Honda The New CLICK160 Motorcycle

LBC Express Joins Forces with BidaBoss to Back Hardworking Bidang Filipino Entrepreneurs

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LBC Express, the Philippines’ leading logistics and money services provider, has partnered with BidaBoss, the first pioneering dropshipping platform in the country. Set to officially launch this June, LBC will provide warehousing, distribution, and last-mile delivery support to power BidaBoss’ nationwide operations, so that business ownership is more accessible for Filipinos.

As one of BidaBoss’ strategic corporate partners, LBC now operates a dedicated warehouse facility in South Luzon that serves as the platform’s primary distribution hub. From here, LBC ensures the seamless movement of products across the country from regional hubs to the doorsteps of customers.

This logistics support allows BidaBoss sellers to focus on growing their business without the burden of maintaining physical inventory. Sellers simply choose products to list, then LBC handles the storage and shipping, helping reduce costs, streamline operations, and expand reach.

“We’ve always believed in helping Filipinos succeed whether they’re sending packages to family or running an online store,” said Jerome Santos, Senior Vice President for Corporate Sales at LBC Express. “Working with BidaBoss lets us do that in a new way, by supporting everyday hustlers who are building businesses of their own.”

BidaBoss continues to make business more accessible by offering a wide range of affordable products and tools to support entrepreneurs at any stage.

“There’s so much potential in Filipino sellers. This partnership with LBC helps us give them a real shot whether they’re just starting out or looking to grow,” said Von Basa, CEO and Founder of BidaBoss.

Looking ahead, LBC and BidaBoss are exploring other ways to expand their partnership, including additional warehouse facilities, localized hubs, and system integrations to enhance efficiency.

At the core of this partnership is a shared mission to uplift hardworking Filipinos to build better livelihoods and succeed in creating long-term businesses.

Ready to build your business? Learn more by visiting LBC Express’ official website or follow their social media pages (Instagram | Facebook) for the latest updates.

SEC approval of global stock trading sandbox paves way for GStocks Global launch

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The Securities and Exchange Commission (SEC) has paved the way for Filipinos to invest in some of the world’s biggest companies after it approved the regulatory sandbox for local players like GCash to offer global stock investments.

(L-R) GCash chief regulatory officer Atty. Cef Sison, wealth management general manager Arjun Varma and vice president and new businesses group head Winsley Bangit with Securities and Exchange Commission (SEC) chairperson and CEO Atty. Emilio Aquino, commissioner Atty. McJill Bryant Fernandez, commissioner Atty. Javey Paul D. Francisco, and Philippine Fintech Innovations Office director Atty. Paolo Ong.

This initiative marks a pioneering step toward making global investing more accessible and seamless for Filipinos, while upholding strong safeguards and regulatory oversight to protect users.

While many Filipinos are eager to invest in global companies, they often face challenges such as complicated account setups, foreign currency requirements, and unfamiliar platforms. These barriers can make global investing seem daunting and out of reach. GStocks Global aims to break down these obstacles by providing a simple, secure, and locally regulated way for users to invest in global stocks using Philippine Pesos, right within the app.

This move also supports the broader mission of GCash to democratize investing by lowering the long-standing barriers that have kept global markets out of reach for most Filipinos.

“We’re proud to be working closely with the SEC to ensure this offering meets the highest standards of safety and compliance. The sandbox allows us to test and learn while putting user protection at the core. For the first time, Filipinos can access global stock markets through a platform they already trust—GCash,” said GCash vice president and head of new businesses Winsley Bangit.

With the sandbox in place, GCash, through a partnership with EasyEquities, will enable users to buy and sell shares of select global companies using Philippine Pesos, with no need for a US Dollar account or separate platform.

“This offering will initially be in a test phase within a sandbox environment and will only be available to select, eligible users. This phased rollout allows GCash and its partners to ensure quality and gather valuable feedback while ensuring regulatory safeguards remain in place,” said Bangit.

The offering marks the first time Filipinos can explore global investing in a way that is both convenient and fully integrated within a local fintech platform. This initiative also reinforces GCash’s commitment to ‘Finance for All’, ensuring that more Filipinos can participate in global markets with tools that are simple, safe, and designed with local needs in mind.

As it continues its evolution as the country’s leading finance app, GCash extends the boundaries of what everyday users can achieve with just a few taps and brings global wealth-building within reach. For more information, please visit www.gcash.com.

Puregold taps GCash anew to drive digital payment adoption for MSMEs

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Major retail chain Puregold has again partnered with GCash to expand the use of digital payments by sari-sari store owners at the 2025 Tindahan ni Aling Puring (TNAP) Convention, the country’s largest trade event for sari-sari store owners and micro, small, and medium-sized enterprises (MSMEs).

GCash for business general manager Jong Layug, officially leads the opening of the 2025 TNAP Convention.

The three-day event drew tens of thousands of participants, most of whom still rely on physical cash to manage and run their small businesses. While digital adoption has grown in recent years, cash remains the dominant mode of payment among sari-sari store owners when purchasing inventory.

GCash offered TNAP attendees a range of promotions and incentives to encourage merchants to shift to digital transactions. These include pre-convention campaigns, real-time cashback, and exclusive product discounts for users who pay with GCash at partner booths. The leading finance super app also set up an on-site activation booth in collaboration with Puregold, showcasing how digital tools can help store owners streamline payments, manage capital, and track purchases.

GCash for business general manager Jong Layug stated that the initiative is part of the company’s broader strategy to integrate digital financial services into traditional retail channels and foster digital habits among small-scale entrepreneurs.

“GCash is committed to helping Filipino MSMEs grow by giving them access to safe, convenient, and rewarding digital payment options. At TNAP, we’re bringing this mission to life by making every digital transaction count, whether through savings, rewards, or efficiency,” Layug said.

The partnership comes as Puregold seeks to deepen its role in the country’s digital transition. The retail giant, whose TNAP program is designed to support its extensive sari-sari store network, has been working to improve payment infrastructure at its stores and trade events to reduce friction in B2B transactions.

“Puregold has always believed in the power of MSMEs. By partnering with GCash, we are equipping our TNAP members with tools to thrive in a digital economy,” said Puregold president Vincent Co.

The participation of GCash in TNAP 2025 marks a continued push to embed financial technology into grassroots enterprises, positioning digital tools as drivers of growth and efficiency in the informal economy.

Behind the Wheel and Order: Meet the Drivers Living the Stories of Grab’s Viral Short Films

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Now in its second year, “Itatawid, Ihahatid” continues to spotlight the often-overlooked dedication of Grab’s driver- and delivery-partners — everyday heroes who go the extra mile not just for passengers and customers, but for the families who rely on them.

Grab’s wide-ranging programs, from financial aid to wellness and family support, transform the livelihoods of partners like Ronni and Mary Joy; and fuel shared prosperity across communities.

This year’s campaign features two viral short films inspired by real stories—those of a senior GrabCar driver and a determined female GrabFood cyclist. More than just testimonials of grit, these stories reveal a shared reality among drivers and riders: behind every booking is a mission, one that transforms individual journeys into opportunities for entire families.

In the heat of a Manila afternoon, 63-year-old Ronald “Ronni” Petterson grips the steering wheel of his GrabCar with precision. He is simply a dedicated transport professional and father still providing. Meanwhile, 22-year-old Mary Joy Flores leans over the handlebars of her bicycle, weaving through traffic with practice. A GrabFood delivery bag is strapped securely to her back, but the real weight she carries is more profound: the needs of five other lives that depend on her.

They come from different generations, but Ronni and Mary Joy are bound by the same road — one paved by Grab’s expanding ecosystem of support for its driver- and delivery-partners. Through financial programs, digital training, education assistance, and emergency aid, the platform is building more than livelihoods. It’s helping build futures.

Ronni Petterson, 63: A New Chapter Behind the Wheel

Ronni’s face may be familiar to some. The former corporate trainer and television extra has always been a man of many roles — but perhaps none as meaningful to him now as being a GrabCar driver-partner.

“I get to meet people, help them get where they need to be, and still provide for my family. At my age, that’s a gift,” he says.

More than a job, Grab has offered Ronni the tools to thrive. He is a regular user of GrabAcademy, the company’s in-app learning platform where he picks up tutorials on customer service, digital literacy, and financial management. “The videos are there anytime I need them. That’s important, especially for someone like me still catching up with the digital world,” he says.

Like many partners, Ronni also turned to GrabFinance’s GrabAsenso Loans during a period of financial need. “It’s deducted gradually from my daily earnings — you hardly notice it, but before you know it, you’re done paying. That kind of flexibility matters.”

In the first quarter of 2025, Ronni was among the thousands of partners who received Ka-Grab Rewards – Grab’s incentives scheme for its top performing driver-partners – entitling him to performance incentives, vouchers, and discounts at pharmacies like Generika. “They text me when I can claim my discount. I just show up, no hassle,” he smiles.

For Ronni, the road ahead isn’t just about driving — it’s about staying an active, productive, and proud senior citizen on the road.

Mary Joy Flores, 22: Delivering Hope with Every Order

Mary Joy has worn many hats: construction worker, computer shop attendant, and more. But none of those jobs gave her the consistency, flexibility, or empowerment she now finds as a GrabFood cyclist.

As the breadwinner for her baby and four younger brothers, every delivery is part of a larger mission: “After December, I was finally able to buy shoes, school bags, and uniforms for my siblings,” she shares.

Like Ronni, she tapped into GrabFinance’s GrabAsenso Loans during tough moments — micro-loans designed with partners like her in mind. Instead of a rigid credit check, the platform assesses her in-app performance and earnings. “I wouldn’t qualify for traditional loans. But Grab sees the work I do,” she says.

In a world where financial access often excludes the very people who need it most, this inclusion is a lifeline. It means her siblings stay in school, meals remain on the table, and hope is always within reach.

Programs Rooted in Malasakit and Mobility

Grab’s social impact ecosystem extends well beyond Mary Joy and Ronni. In 2024 alone, millions worth of emergency aid was distributed through GrabCare and MOVE IT Malasakit programs, providing immediate relief during medical emergencies and natural disasters.

Through the GrabScholar Program, the children of driver-, delivery-, and merchant-partners have been awarded over 900 educational grants and 18 full-ride scholarships — empowering the next generation with opportunities their parents once only dreamed of.

Stability, too, is in the company’s blueprint. The Grab Kaagapay Program now subsidizes Pag-IBIG contributions for thousands of partners in Metro Manila and Cebu, unlocking access to housing and calamity loans.

Each initiative echoes the company’s deeper commitment: to invest in partners not just as workers, but as people — providers, students, caretakers, and community members.

One Ride at a Time, One Family at a Time

As Grab’s viral short films under the “Itatawid, Ihahatid” campaign capture the quiet heroism of its driver-partners, real-life stories like Ronni’s and Mary Joy’s remind us that behind every journey is something more. A parent’s love. A child’s dream. A second chance. A lifeline when it’s needed most.

Ronni and Mary Joy represent the power of platform work coupled with support, mobility not just in transit, but in life.

And through Grab, they are not only getting there — they’re bringing others with them

Championing human-centered AI in the workplace: GCash chief people officer recognized among Southeast Asia’s top 100 HR leaders

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The chief people officer of GCash, Robert Conrad Gonzales joins this year’s 100 Most Influential HR Leaders from Southeast Asia, an annual awarding of top HR executives who have made exceptional contributions to leadership, innovation, and transformation in the HR industry. Recipients of this prestigious citation are selected based on social media influence, engagement, industry awards, community impact, thought leadership, and pioneering HR practices. It also considers the impact of HR initiatives on revenue growth and overall market influence.

GCash chief people officer Robert Conrad Gonzales has been recognized as one of the 100 Most Influential HR Leaders in Southeast Asia at the ET Future Forward Southeast Asia Series 2025

Gonzales believes that artificial intelligence (AI) is meant to improve the productivity of their employees rather than replace them. Gonzales, who is the highest-ranking Human Resources (HR) officer of GCash, affirmed the company’s unwavering commitment to putting people first in the age of automation. GCash is the Philippines’ leading finance app and largest cashless ecosystem, and an innovative fintech company that has already received several recognitions as one of the best companies to work for.

“HR should champion automation and lead in adapting to technology, including AI, because our people need it, our employees rely on it,” said Gonzales. “If we do this right, our people will become more productive and serve our customers even better. Invest in people, champion leadership development, and embrace innovation. The future belongs to organizations that prioritize their people as their greatest asset.”

Recognized for his contributions to the HR landscape, Gonzales was awarded during the recently held Future Forward Philippines 2025, which was organized by The Economic Times, the second most widely read English language business daily after The Wall Street Journal.

   (L–R) Cebu Pacific Air chief human resource officer Felix Dan Lopez, Globe Telecom Inc. chief human resource officer Renato Manuel Jiao, GCash chief people officer Robert Conrad Gonzales, and ETHRWorld/ETEducation features editor Yasmin Taj, who served as the moderator

 

Driving business transformation or becoming obsolete in the age of AI?

During the whole day of the event, Gonzales was in the panel discussion titled ‘The Great Debate of HR at a Crossroads: Driving Business Transformation or Becoming Obsolete in the Age of AI?’ He was joined by other HR icons—Cebu Pacific Air chief human resource officer Felix Dan Lopez, Globe Telecom Inc. chief human resource officer Renato Manuel Jiao, and ETHRWorld/ETEducation features editor Yasmin Taj, who served as the moderator.

Looking to the future, Gonzales sees artificial intelligence as a game-changer in transforming how organizations approach leadership development. “AI-powered talent identification and predictive analytics will revolutionize how we discover and grow high-potential leaders,” he said. “We’re also leaning into personalized, AI-driven learning paths that adapt to each employee’s growth trajectory because in a market that changes overnight, static development models just don’t cut it.”

GCash is already putting these innovations to work. “We’re expanding our use of AI-driven career development tools and enhancing our leadership programs with real-world business simulations,” Gonzales shared. “This enables us to gauge better readiness, drive engagement, and close skill gaps faster than ever.”

To ensure these efforts yield a measurable impact, GCash is tracking leadership transition rates, retention of high-potential talent, and post-transition business performance. Continuous feedback loops and engagement surveys are utilized to refine strategies and ensure succession pipelines remain future-ready.

Putting people first in an AI-powered workplace

Gonzales shared that GCash’s AI efforts stem from a deep commitment to employee well-being and operational excellence. He explained that AI doesn’t just enhance customer experience but also makes employees happier by improving their welfare.

“We have a strong commitment to keep our people happy and engaged,” Gonzales said. “Many of our AI innovations are driven by employee needs. For example, team members want faster and more accurate processing of benefits and allowances. That’s why we developed an AI-powered tool called AGA.”

AGA, which stands for Alagang GCash Assistant, is a Gen AI-powered tool that automates and streamlines employee benefits processing. From wellness allowances to flexible benefits processing, AGA enables faster, error-free transactions.

Gonzales leaves HR leaders with a pointed message: “HR is no longer a support function but rather a strategic driver of growth. Invest in people. Champion leadership development and embrace innovation in workforce planning. The organizations that do this will be the ones leading tomorrow.”

For more information, visit www.gcash.com.

Home Credit and Puregold Team Up to Bring Financial Access Closer to Filipino

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Partnership enables easier credit access at Puregold stores, empowering everyday Filipinos with smart, inclusive financial tools.

Home Credit Philippines, in partnership with Puregold, has expanded the availability of the Home Credit Card to select Puregold stores nationwide. This move makes credit more accessible for everyday Filipinos while reinforcing both companies’ commitment to empowering communities through practical, inclusive financial services.

Smart Credit Made Simple

The Home Credit Card is a smart, accessible financial tool designed to help Filipinos manage expenses and build credit responsibly. Ideal for first-time cardholders, it offers a Php 20,000 credit limit and a 45-day-interest-free grace period. The membership fee is waived for the first three months—and cardholders can continue to have it waived when they spend at least PHP 15,000 per month thereafter. Cardholders enjoy up to PHP 500 rebates in the first month, unlimited 3% discount on load purchases, and zero fees when paying bills via the app. With secure, cashless payments anytime, anywhere via QR Ph, the Home Credit Card—now available at select Puregold stores—empowers everyday Filipinos, especially sari-sari store and karinderia owners, to take confident steps toward a stronger financial future.

Highlighted at TNAP Convention 2025

The rollout was spotlighted at the Tindahan ni Aling Puring (TNAP) Convention 2025, held May 15–17 at the World Trade Center, Pasay. With this year’s theme, “Puregold Piliin si Aling Puring! Kayang-kaya Umasenso!”, the event gathered over 50,000 MSME attendees, reinforcing Home Credit’s mission to empower Filipinos—especially micro-entrepreneurs and small business owners—with accessible, practical financial tools that help them grow and succeed.

“Together with Puregold, we’re making it easier for Filipinos to access credit that fits their needs,” said Zdenek Jankovsky, Chief Business Development Officer at Home Credit Philippines. “This partnership is more than about convenience—it’s about empowering people to take control of their finances and live better lives.”

Chief Business Development Officer Zdenek Jankovsky shares the benefits of the Home Credit Card at the Puregold Tindahan ni Aling Puring (TNAP) Convention 2025.

A Shared Commitment to the Filipino Consumer

This initiative underscores Home Credit’s evolution from a financing provider to a comprehensive financial partner. By teaming up with Puregold, the brand extends its reach and impact, helping more Filipinos build financial capability and achieve everyday goals.

To know more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph. You may also download the Home Credit App or follow its official Facebook, Instagram, and TikTok accounts.

Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). 

GCash provides free health insurance to millions of Filipinos through Buy Load service

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GCash and FPG Insurance team up to offer free health insurance with every prepaid load purchase, making financial protection a part of everyday transactions

In line with the Philippines’ efforts to further boost the local insurance industry, GCash, the country’s leading finance super app, is introducing a new feature to unlock access to insurance for millions of Filipinos. The e-wallet is providing free health insurance, underwritten by FPG Insurance, every time eligible users buy prepaid credits for themselves using the Buy Load service.

“This initiative, powered by GInsure in partnership with FPG Insurance, reflects the commitment of GCash to making financial protection accessible to every Filipino, ensuring that even the simplest transactions, like buying prepaid load, come with the added security of health coverage at no extra cost,” said Winsley Bangit, vice president and group head of new businesses at GCash.

The country’s insurance penetration has been growing in recent years, but it remains below 2%. With millions of Buy Load users on the app primarily receiving mobile load, GCash sees an opportunity to protect more Filipinos, offering a valuable incentive beyond telecommunications.

Made possible by GInsure, every time eligible users make Buy Load transactions on the GCash app, they can also avail of the free health insurance coverage, empowering users to prepare for unexpected medical expenses due to accidents or hospitalization

“Beyond just financial assistance, this benefit ensures that users have funds to cover medical costs or compensate for lost income during recovery, helping prevent families from falling deeper into debt and alleviating financial struggles,” Ren-Ren Reyes, president and CEO of GCash mobile wallet operator G-Xchange, Inc.

The free health and accident insurance gives eligible users up to PHP 30,000 coverage and additional valuable benefits. For every load purchase, a user can automatically get PHP 10,000 in accidental death coverage, which can be accumulated up to a maximum of PHP 30,000 when making up to three separate eligible load purchases.

Users can also get income assistance when they’re hospitalized due to illnesses and accidents, allowing them to receive PHP 500 per day salary assistance for a maximum of 5 days. They can also get up to PHP 10,000 disablement benefit, providing the user or their beneficiaries a safety net.

GCash introduced this initiative in response to shifting user needs. With millions of Filipinos still hesitant to fully embrace digital transactions, they still rely on traditional offline methods. Now, with free health insurance seamlessly integrated into prepaid load transactions, users can enjoy more benefits when they go digital, making each purchase not just more convenient but also rewarding.

La Union LGU and GCash team up to enable cashless payments for eco-tourism fees in San Juan, La Union

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Tourists can now pay the PHP 50.00 environmental fees in San Juan, La Union via GCash

As part of its ongoing push for sustainable tourism and environmental protection, the Municipality of San Juan, La Union, has partnered with GCash, the country’s leading finance app, to launch a cashless system for collecting eco-tourism fees. This convenient and simpler payment option will help ensure cleaner beaches, improved waste management, and stronger support for the town’s growing tourist economy.

San Juan, known for its surf culture and scenic beaches, faces challenges in collecting environmental fees due to its open layout and multiple beach access points. This has often led to missed payments and limited funds for keeping the town clean and well-maintained.

Using GCash’s Scan-to-Pay (STP) feature, tourists can conveniently pay the ₱50 environmental fee by scanning QR codes available in over 200 local establishments, such as hotels, cafés, and resorts, as well as in six designated Environmental Fee Hubs across the town.

Soon, QR codes will also be placed directly at key tourist spots and entry points to encourage on-the-spot payments and improve accessibility. This seamless, cashless system is designed to integrate smoothly into the visitor experience.

“This partnership reflects our shared goal of keeping San Juan clean and sustainable,” said Mayor Arturo Valdriz. “It gives both locals and tourists a simple way to help protect our environment,” San Juan Mayor Arturo Valdriz said.

The digital system makes payments more convenient for visitors. It helps the local government track collections in real time, improving transparency and ensuring the funds go directly to environmental programs like waste management and beach cleanups. With the partnership now in place and early results positive, the municipality plans to expand the program to more locations, further supporting the town's environmental efforts.

“With GCash, every eco-fee helps preserve the beauty of San Juan’s beaches and landscapes for future generations,” San Juan Tourism head Ezikiel Lanuzo said.

By streamlining digital payment solutions, GCash, together with its partners in local government, champions communities and promotes sustainability — one scan at a time. Building on the success of this initiative, the Public Sector team of GCash is looking to scale the program by partnering with more local government units across the country, supporting their efforts to adopt easy, convenient, safe, and secure e-payment solutions.

For more information, please visit www.gcash.com.

Stay Cool, Spend Less: Get KuryenTIPID Refrigerators with Home Credit’s Swakto Summer Deals

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Summer in the Philippines isn’t just about beach trips and cold treats—it’s also when the heat pushes your refrigerator to work overtime. Without reliable cooling, food spoils faster, leading to waste and extra costs.

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Keep food fresh and electricity costs low with inverter refrigerators, available as low as 0% interest and zero downpayment for as low as ₱23 per day!

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But choosing a refrigerator isn’t just about size or price. A truly "sulit" and "abot-kaya" investment should also be energy-efficient. Traditional refrigerators can drive up electricity bills, especially in the summer. That’s why inverter refrigerators are the smarter choice since they adapt power usage to keep food fresh while cutting down on energy costs.

To make it easier for Filipino families to own a cost-efficient, high-quality refrigerator, Home Credit, the country’s leading consumer finance company, offers its Swakto Summer Deals. This allows customers to purchase inverter refrigerators for as low as ₱23 per day, thanks to its flexible payment options with as low as 0% interest and zero down payment.

Here’s a lineup of  KuryenTIPID Refrigerators available through Home Credit’s Swakto Summer Deals, ensuring that your food stays fresh, your drinks stay cool, and your electricity bill stays manageable.

Panasonic NR-BP242VD: Chill Smart, Keep Fresh

For households looking to reduce electricity consumption while keeping their food fresh for longer,. one great option is the Panasonic 8.6cu ft No Frost Inverter Two-Door Refrigerator (NR-BP242VD). Designed with Prime+ Cooling technology, this refrigerator ensures superior cooling that preserves food without freezing it. Its AG Clean feature helps eliminate 99.99% of bacteria and odors, keeping the refrigerator hygienic at all times. The Fresh Safe compartment maintains optimal humidity to keep fruits and vegetables fresh. With its no-frost cooling system, there is no need to manually defrost, making it a convenient and hassle-free choice. This model is available through Home Credit for as low as ₱683 per month for 24 months, making it an excellent investment for families who value both efficiency and affordability.

Samsung RT22M4033UT/TC: The Cool Keeper

For those looking for a refrigerator with smart cooling features, the Samsung 8.4cu ft Top Mount No-Frost Inverter Two-Door Refrigerator (RT22M4033UT/TC) is a strong contender. Its Digital Inverter Technology eliminates frost buildup while adjusting cooling speed according to the household’s needs, helping reduce energy consumption. The Optimal Fresh Zone keeps meat and seafood fresh for twice as long without freezing, removing the hassle of defrosting. The All-Around Cooling System ensures even temperature distribution, while the deodorizing filter keeps unpleasant odors away. With a price starting at ₱20,534, and an installment option of ₱896 per month for 18 months, this refrigerator is a great choice for those who want a balance of efficiency and convenience.

LG GR-B202SQBB: The Quiet & Efficient Cooler

Another excellent option is the LG 7.2cu ft Two-Door Smart Inverter No Frost Refrigerator (GR-B202SQBB). Featuring a Smart Inverter Compressor, this model ensures consistent cooling with minimal noise. The Moist Balance Crisper locks in moisture, helping fruits and vegetables stay fresh for longer periods. Equipped with a Multi-Air Flow cooling system, it keeps every corner of the refrigerator evenly chilled. Its tempered glass shelves can support up to 150kg, providing ample space for storage. Home Credit Swakto Summer makes this model accessible for as low as ₱77 per month for 18 months, making it a practical and stylish addition to any home.

Panasonic NR-BQ261VB: Turbo Cooling, Turbo Savings

For those in need of more storage space, the Panasonic 9.4cu ft Two- Door Direct Cool Inverter Refrigerator (NR-BQ261VB) offers a jumbo freezer and Turbo Freezing technology, ensuring faster cooling while maintaining energy efficiency. With a built-in deodorizer to keep the refrigerator fresh and an Econavi function that adjusts cooling based on lifestyle habits, this refrigerator is a smart investment. Available from ₱22,819, or ₱756 per month for 24 months, it is ideal for larger households looking for a spacious and reliable cooling solution.

Condura CTD-102MNi: The Big & Bold Chiller

The Condura 10.2cu. ft. Two-Door Manual Defrost Refrigerator (CTD-102MNi) is another top choice, featuring an aluminum freezer that provides extra space for frozen goods. With adjustable and tiltable wire shelves, this model offers flexibility in food organization. Its direct cooling technology ensures efficient cooling while keeping electricity costs low. The refrigerator also includes a built-in bottle shelf for convenience. Priced starting at ₱24,398, with an installment plan of ₱1,011 per month for 18 months, it is perfect for families who require ample storage without compromising on energy savings.

Panasonic NR-BP292VD: The Premium Chiller for Every Home

For those seeking the latest in cooling technology, the Panasonic 10.4cu ft Two- Door No-Frost Inverter Refrigerator (NR-BP292VD) is a standout choice. This model features AI Econavi and Inverter Technology, which helps reduce energy consumption while ensuring optimal cooling. Prime Cooling+ keeps food fresh for extended periods, while the AG Clean function eliminates bacteria and odors. With a jumbo freezer and No-Frost technology, this refrigerator is both spacious and easy to maintain. Available starting from ₱26,398, or ₱1,059 per month for 18 months, it is ideal for households that prioritize efficiency and advanced cooling features.

Enjoy Swakto Summer Deals for your KuryenTIPID Refrigerator!

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PH represented by Filipina tech leaders at the 2025 Mobile World Congress

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Filipina tech leaders share perspectives on financial inclusion and how tech can be used to empower unserved and underserved communities in the Philippines

(L-R) Groupe Spéciale Mobile Association fintech vertical lead Brian Gorman, GCash president and CEO Martha Sazon, e& Money CEO Melike Kara Tanrikulu, and Axian Group CEO Erwan Gelebart.

Two Filipina tech leaders from Mynt, the holding company of GCash, the #1 finance super app in the Philippines—Martha Sazon, president & CEO, and Pebbles Sy, chief technology and operations officer—represented the country’s transformative adoption of connectivity, mobile tech, and the digital economy during the prestigious Mobile World Congress (MWC) in Barcelona, Spain

Sazon and Sy once again brought GCash’s mission of “Finance For All” to a global audience, who highlighted how fintech innovations can be used for social good—from increasing access to essential financial services within historically underserved communities to leveraging cutting-edge fintech developments to drive meaningful change and economic empowerment.

Redefining the super app

Martha Sazon was part of the MWC CEO Panel, “Fintech and Mobile Commerce Summit: Powering Mobile First Commerce,” which explored how companies like GCash can enhance the leapfrog effect of tech and artificial intelligence to address barriers to financial inclusion.

Sazon discussed how GCash first set out to meet an increased demand for seamless, mobile-first solutions among Filipinos as a money transfer app—but then went on to elevate its services by establishing a diverse and wide-ranging financial ecosystem that actively caters to unbanked and traditionally underserved sectors.

“Our money transfer services were the gateway to a broader digital economy. Across the years, and in response to our users’ needs, GCash has broadened its functionalities into a comprehensive selection of financial services, including savings, investments, insurance, and banking," explained Sazon. "Our work has empowered individuals to take control of their financial well-being and pursue economic opportunities previously out of reach, all from the convenience of their mobile phones.”

Sazon stressed that the key to the digital financial ecosystem’s success is how it focused on addressing systemic issues and the limits of traditional financial institutions: GCash aimed to break down fundamental barriers to inclusion, which included lack of infrastructure, lack of avenues for boosting financial literacy, and the lack of progressive solutions that allow for widespread access to services.

Today, GCash has accelerated financial inclusion in the Philippines, helping raise the number of customers with access to a bank account from 29% to 65%, those with access to formal credit from 2% to 8%, and those with access to insurance from 23% to 51%, all in four years.

The features of GCash range from payments and transfers that make online and offline commerce easier to lending solutions that utilize AI. A groundbreaking example of the latter is GCash’s in-house credit scoring model, GScore, which uses transactional behavior as a proxy for measuring a user’s creditworthiness and has ultimately changed the landscape of microlending.

GScore, in particular, has allowed GCash to disburse roughly $3.2 billion by 2024 to over seven million Filipinos, most of whom are women from underserved sectors. Its suite of solutions also includes tools for wealth management, with the company introducing bite-sized financial offerings to match the “sachet economy” of the Philippines.

“The conventional super app is defined as having multiple features in a single platform, but for us, a super app means being an everyday companion,” said Sazon. “It’s about constant innovation: We look at our daily use cases and find ways to make things better.”

Using fintech for empowerment

In addition to opening doors for the underbanked and underserved, GCash invests in innovations, such as APIs (application programming interfaces), which allowed it to connect and collaborate with service partners to deliver personalized solutions. These, in turn, have boosted the super app's capabilities in catering to a multitude of diverse, and personalized needs of its users.

During the "Platform Economy" MWC panel, which focused on increasing access to financial services through everyday apps and fintech ecosystems, Pebbles Sy shared how GCash's API integration has been a key factor in expanding reach and improving user experience.

She also noted how this approach has necessitated the continuous adoption and development of modular and reusable features that must work well with other app components: “Today, we’re connecting thousands of microservices on our platform through APIs. We also use APIs to connect with external partners like merchants and other service providers.”

According to Sy, when financial services are seamlessly integrated, they become second nature for its users. Thanks to APIs, GCash connects users with 1,200 billers and 17 insurers within the app, as well as with four partner banks for savings accounts and to a platform that enables Filipinos to invest with the Philippine Stock Exchange.

Sy added, “This is where embedded finance goes beyond just inclusion. It’s not just about providing access to financial services; it’s about making them work for people [as they] build better financial habits, protect what they earn, and plan for the future.

The future is now for fintech

Meanwhile, during the MWC's "The Currency of Change" session—which discussed how mobile money contributes to GDP growth and how financial innovations drive economic development—Sy emphasized the importance of aligning the future of fintech with strategies for ensuring the security and sustainability of innovations.

Citing Google’s e-Conomy Southeast Asia Report in collaboration with Temasek and Bain & Company, she shared that the Philippines emerged as the fastest-growing digital economy in the ASEAN region, where mobile money penetration more than quadrupled in the two years during the COVID-19 pandemic. These advancements highlight the profound economic impact of mobile money in the Philippines, which GCash is ready to safeguard and facilitate further.

She added, “At the end of the day, the goal is clear: We must make financial services accessible, safe, and empowering. We want to go beyond inclusion and see financial progress in Filipinos, which hopefully can [translate into] financial health and freedom.”

Filipina tech leaders share perspectives on financial inclusion and how tech can be used to empower unserved and underserved communities in the Philippines

Two Filipina tech leaders from Mynt, the holding company of GCash, the #1 finance super app in the Philippines—Martha Sazon, president & CEO, and Pebbles Sy, chief technology and operations officer—represented the country’s transformative adoption of connectivity, mobile tech, and the digital economy during the prestigious Mobile World Congress (MWC) in Barcelona, Spain

Sazon and Sy once again brought GCash’s mission of “Finance For All” to a global audience, who highlighted how fintech innovations can be used for social good—from increasing access to essential financial services within historically underserved communities to leveraging cutting-edge fintech developments to drive meaningful change and economic empowerment.

Redefining the super app

Martha Sazon was part of the MWC CEO Panel, “Fintech and Mobile Commerce Summit: Powering Mobile First Commerce,” which explored how companies like GCash can enhance the leapfrog effect of tech and artificial intelligence to address barriers to financial inclusion.

Sazon discussed how GCash first set out to meet an increased demand for seamless, mobile-first solutions among Filipinos as a money transfer app—but then went on to elevate its services by establishing a diverse and wide-ranging financial ecosystem that actively caters to unbanked and traditionally underserved sectors.

“Our money transfer services were the gateway to a broader digital economy. Across the years, and in response to our users’ needs, GCash has broadened its functionalities into a comprehensive selection of financial services, including savings, investments, insurance, and banking," explained Sazon. "Our work has empowered individuals to take control of their financial well-being and pursue economic opportunities previously out of reach, all from the convenience of their mobile phones.”

Sazon stressed that the key to the digital financial ecosystem’s success is how it focused on addressing systemic issues and the limits of traditional financial institutions: GCash aimed to break down fundamental barriers to inclusion, which included lack of infrastructure, lack of avenues for boosting financial literacy, and the lack of progressive solutions that allow for widespread access to services.

Today, GCash has accelerated financial inclusion in the Philippines, helping raise the number of customers with access to a bank account from 29% to 65%, those with access to formal credit from 2% to 8%, and those with access to insurance from 23% to 51%, all in four years.

The features of GCash range from payments and transfers that make online and offline commerce easier to lending solutions that utilize AI. A groundbreaking example of the latter is GCash’s in-house credit scoring model, GScore, which uses transactional behavior as a proxy for measuring a user’s creditworthiness and has ultimately changed the landscape of microlending.

GScore, in particular, has allowed GCash to disburse roughly $3.2 billion by 2024 to over seven million Filipinos, most of whom are women from underserved sectors. Its suite of solutions also includes tools for wealth management, with the company introducing bite-sized financial offerings to match the “sachet economy” of the Philippines.

“The conventional super app is defined as having multiple features in a single platform, but for us, a super app means being an everyday companion,” said Sazon. “It’s about constant innovation: We look at our daily use cases and find ways to make things better.”

Using fintech for empowerment

In addition to opening doors for the underbanked and underserved, GCash invests in innovations, such as APIs (application programming interfaces), which allowed it to connect and collaborate with service partners to deliver personalized solutions. These, in turn, have boosted the super app's capabilities in catering to a multitude of diverse, and personalized needs of its users.

During the "Platform Economy" MWC panel, which focused on increasing access to financial services through everyday apps and fintech ecosystems, Pebbles Sy shared how GCash's API integration has been a key factor in expanding reach and improving user experience.

She also noted how this approach has necessitated the continuous adoption and development of modular and reusable features that must work well with other app components: “Today, we’re connecting thousands of microservices on our platform through APIs. We also use APIs to connect with external partners like merchants and other service providers.”

According to Sy, when financial services are seamlessly integrated, they become second nature for its users. Thanks to APIs, GCash connects users with 1,200 billers and 17 insurers within the app, as well as with four partner banks for savings accounts and to a platform that enables Filipinos to invest with the Philippine Stock Exchange.

Sy added, “This is where embedded finance goes beyond just inclusion. It’s not just about providing access to financial services; it’s about making them work for people [as they] build better financial habits, protect what they earn, and plan for the future.”

The future is now for fintech

Meanwhile, during the MWC's "The Currency of Change" session—which discussed how mobile money contributes to GDP growth and how financial innovations drive economic development—Sy emphasized the importance of aligning the future of fintech with strategies for ensuring the security and sustainability of innovations.

Citing Google’s e-Conomy Southeast Asia Report in collaboration with Temasek and Bain & Company, she shared that the Philippines emerged as the fastest-growing digital economy in the ASEAN region, where mobile money penetration more than quadrupled in the two years during the COVID-19 pandemic. These advancements highlight the profound economic impact of mobile money in the Philippines, which GCash is ready to safeguard and facilitate further.

She added, “At the end of the day, the goal is clear: We must make financial services accessible, safe, and empowering. We want to go beyond inclusion and see financial progress in Filipinos, which hopefully can [translate into] financial health and freedom.”

GCash supports the NPC to boost data privacy protection and consumer education

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GCash, the country’s leading finance super app, has signed an agreement with the National Privacy Commission (NPC) to enhance data privacy awareness and provide data privacy-related educational resources across the Philippines in support of the Commission’s mandates. In line with its mission to provide secure and accessible financial solutions, GCash aims to inform and educate its users on data privacy by utilizing the app’s features to effectively reach more Filipinos.

GCash president and CEO Oscar "Renren" Reyes Jr., and National Privacy Commission commissioner Atty. John Henry Naga

According to Ren-Ren Reyes, president and CEO of G-Xchange, Inc., “This MOA with NPC underscores our commitment to upholding the highest standards of data privacy and security, strengthening the trust and confidence of our users.”

“We look forward to implementing robust measures in increasing awareness on data privacy by providing the tools and knowledge that Filipinos need to make informed decisions in safeguarding their personal information. Through public-private collaborations, we aim to foster a secure digital environment for all,” said NPC commissioner Atty. John Henry Naga during the signing of the memorandum of agreement (MOA).

The MOA aims to elevate data privacy education and promote compliance with the Data Privacy Act (DPA). As part of the agreement, GCash will incorporate NPC-provided privacy awareness and educational materials into the app's Privacy Choices feature, allowing its users to learn about the DPA.

To further support the mandates of the NPC, the NPC’s Registration Portal (https://privacy.gov.ph/pips-and-pics/register/) will be integrated and linked to the GCash app. This will be a game-changing compliance feature, enabling seamless registration for entities processing personal data.

The agreement between the NPC and GCash reinforces GCash’s vision of creating a secure digital landscape and promoting financial inclusion. By equipping users with privacy tools and educational resources, the collaboration aims to empower individuals to navigate the digital economy securely and confidently.

Beyond its collaboration with the NPC, GCash is also working with key government agencies such as the Philippine National Police Anti-Cybercrime Group (PNP-ACG), the National Bureau of Investigation (NBI), and the Department of Information and Communications Technology’s Cybercrime Investigation and Coordinating Center (DICT-CICC) to fight online fraud and scams.

These collaborations further strengthen GCash's commitment to creating a secure digital landscape for its users.