These Three Food Concepts are Redefining Dining as an Experience, How GCash for Business Helps Bring Those Experiences to Life

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The local food scene has never been more exciting than in the past few years. With new concepts emerging and a constant demand for something fresh, business owners are constantly thinking about how to ensure they’re set for success.

The modern dining experience is holistic, and the most successful food entrepreneurs understand that every detail shapes how a brand is remembered. Today, it’s not just about what’s on the plate. It’s about every touchpoint before and after the meal – from how customers first discover a restaurant online, to how they’re welcomed, how efficiently they’re served.

Yet across today’s food scene, the experience is constantly challenged by a recurring issue: friction and delays in payment. For three food entrepreneurs, solving this has become central to building their businesses.

Designing the full experience with the customer in mind

For one of Manila’s coolest new gelato shops, Kariton, designing the experience begins with putting the customer first.

“The name Kariton comes from the street carts many of us grew up with, so when people walk in, I want them to feel an instant sense of warmth and curiosity. It should feel approachable, not intimidating, but once you taste our gelato, you’ll realize that it’s made with serious technique and high-quality, local ingredients,” Leon Taira, Global Partner of Kariton, explains.

Kariton blends Filipino culture and nostalgia with a fun, Australian-inspired charm to use gelato as a shareable way to introduce local ingredients and culture. But because gelato melts quickly, service speed is a priority. “Very early on, we realized that small details matter a lot. Things like queue flow, signage, temperature control, portioning, and how staff greet you. At the same time, we don’t want to rush the customer, and we want to make sure we have time to tell them our story and the stories in each scoop.”

This challenge of balancing convenience with staying true to their concept is something modern food businesses, including Mariell Chuateco-Tanchip and her team at Taste & Tell, are navigating, especially after expanding from their home business into their first physical store.

“We realized dining is about the entire journey — ambiance, service, speed, and even how customers pay. Even if the food is excellent, a slow or stressful checkout can change the entire experience,” she says. “Generosity is important to us. We never want guests to feel like they’re getting less. We want them to leave full, happy, and excited to come back,” she adds.

This is echoed by Patrick Santos, owner of Nolita Joe’s, whose service philosophy marries the best of New York-style dining – which is fast-paced – without sacrificing quality. For him and his team, it’s about balancing efficiency with what guests expect and deserve.

“It’s not unusual for guests to either rave about or get annoyed at the small things, so everything should matter. Even something as seemingly minor as waiting a bit too long for the bill to be settled or having limited payment options can affect the whole experience,” she points out.

To address this friction, all three businesses have since integrated GCash for Business and tools like the new GCash SoundPay to improve both speed and service flow, especially at checkout. GCash SoundPay is a payment device that enables instant cashless transactions through QR payments with real-time voice confirmation, helping both staff and customers confirm payments instantly, without slowing down service.

“It’s made things a lot more seamless. Less friction, faster turnover, and less stress for the team. It really helps during peak hours. Faster transactions mean more turnover and better customer satisfaction,” he explains.

Embracing new tools as part of the experience

Across all three concepts, one shift is clear in modern dining: technology is an essential part of hospitality. For Leon, removing friction is key to repeat visits. “Before being able to provide cashless payment options, the common issues we would face included not having exact change and delays during peak hours. These small frictions add up and can slow down the entire service flow and ultimately affect the chances for return visits.”

For today’s young restaurateurs, success is no longer just about serving great food. It’s about the experience around it, which requires understanding customer behavior, mastering operations, and designing a seamless experience from start to finish. Throughout their journey, they have found support in solutions like GCash for Business.

If you’re a young business owner, getting started with GCash for Business is your first step into your easy era. Create an account on the GCash for Business Portal. You can get started as a merchant using just your verified GCash account of at least 12 months to qualify for a Starter Plan. Order a GCash SoundPay device, then wait for your email confirmation on your GCash SoundPay delivery. For more information on how GCash helps empower businesses and explore other products to help your business, visit GCash for Business.

Luzon Institutional Partners lead the charge toward a digitally inclusive Philippines at GCash Digital Excellence Awards 2025

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The 5th GCash Digital Excellence Awards (GDEA) drew the curtain on another milestone evening for Philippine governance, spotlighting the local government units and national agencies that are actively reshaping how Filipinos access public services faster, safer, and entirely cashless.

Held at the Grand Hyatt Manila in Bonifacio Global City, Taguig, the ceremony gathered awardees under this year's theme: "Recognizing Digital Pioneers: Empowering the Public Sector for a Modern, Inclusive Philippines." Of the 45 awardees recognized nationwide, 32 came from Luzon, a testament to the region's growing commitment to digital governance and financial modernization.

Through the digital payment infrastructure of GCash, these institutions have made tangible strides in building government services that are not only efficient but accessible to every citizen, regardless of location or circumstance.

Leading the charge in the Ilocos Region, the Bauang Public Market of the Municipality of Bauang, La Union, was honored for championing sustainable financial digitalization across public market transactions, making cashless payments a daily reality for vendors and buyers alike.

In Cagayan Valley, the Metropolitan Tuguegarao Water District earned recognition for improving citizen access to water-related services through secure digital payment channels and streamlined online service options.

Central Luzon emerged as a strong cluster of awardees, with five institutions receiving citations: the City of San Fernando in Pampanga, the City Government of Baliwag and its Baliwag Public Market in Bulacan, the Municipality of Morong, and the Provincial Government of Bataan. Across urban centers and provincial communities alike, these LGUs have rolled out digital payment systems for local fees, utilities, and market transactions while expanding their online service footprints.

Also recognized for Digital Transformation Excellence in Utility Efficiency was the Metropolitan Naga Water District, underscoring how utilities are embracing digital tools to improve service delivery. Meanwhile, CALABARZON contributed four recognized institutions to the roster: the City Government of Santa Rosa in Laguna, the City Government of Imus in Cavite, the Municipality of Tanay, and the Pililla Water District in Rizal, each implementing traceable, citizen-friendly digital systems that simplify access to government services.

Rounding out Luzon’s awardees are the Municipality of Mauban, Quezon, and its Mauban Public Market, the City of Lucena, and the Provincial Government of Quezon, and Antonio L. Raymundo, Jr., President of the League of Municipalities of the Philippines – Bataan Chapter, who were recognized for their efforts to expand online payment channels and digitize public services across provincial towns—bringing modern governance closer to the communities that need it most.

The ceremony also recognized several national government agencies for advancing digital transformation and financial inclusion in public service. The Department of Transportation – Metro Rail Transit Line 3 received the Digital Breakthrough Growth Award for expanding digital payments in commuter services. The Land Bank of the Philippines, Department of Social Welfare and Development, and the Philippine Crop Insurance Corporation were named Champions for Digital Advocacy and Connectivity for widening access to digital financial services. The Home Development Mutual Fund (Pag-IBIG Fund) earned the Leader in Sustainable Financial Digitalization Award for its long-standing digital initiatives, while the Securities and Exchange Commission, the Philippine Statistics Authority, and the Bureau of the Treasury were cited as Catalysts in Financial Inclusion for strengthening digital access and transparency in public financial systems. The Department of Trade and Industry also received the Excellence in Digital Transformation Award for integrating digital platforms into services that support Filipino businesses.

Mynt Chairman Ernest Cu credited the partnerships that made progress possible across these communities. "2025 was truly a year where GCash doubled down on its commitment through partnership with the government in advancing digitalization in our country. We are moving beyond ear access to delivering world-class innovations that people use daily. We could not have reached these heights alone. Together, we have brought strengthened fiscal management, streamlined disbursements, and connections to the LGU," he said.

GCash VP and Head of Public Sector Cleo Santos also added, "We are one with the government in the mission to serve every Filipino. Everything we do is anchored in our shared vision of finance for all. Every leader here tonight is a testament to the belief that no Filipino should be left behind in the digital economy,"

The GDEA's award categories were designed to meet institutions where they are in their digitalization journey. First-year adopters were recognized through the Digital Breakthrough Growth Award, while the Excellence in Digital Transformation Award honored agencies that have demonstrated sustained growth in digital transactions from 2022 to 2025.

Sector-specific recognition was given through awards for Digital Transformation Excellence in Healthcare, Education, and Utility Efficiency, while the Catalyst in Financial Inclusion Award celebrated programs that meaningfully expanded financial access for underserved Filipinos.

Long-standing partnerships were honored through the Leader in Sustainable Financial Digitalization Award, which is reserved for agencies with at least five years of collaboration with GCash. The Leader in Sustainable Financial Digitalization for Public Market pushes for governments' call for cashless payments and payment options. These Public Markets maintain at least 70% active vendors using GCash as a payment option to its customers.

The numbers underscore the momentum. The Bangko Sentral ng Pilipinas reports that over 97% of government-to-government and government-to-employee transactions are now digitally processed, while retail digital payments now account for more than 57% of total transaction volume nationwide.

Setting the bar for what digital transformation must achieve, Anti-Red Tape Authority (ARTA) Director General Ernesto Perez stressed that results must ultimately be felt by citizens.

"Digital excellence within government rests on tangible results experienced by individuals and enterprises. It is seen in faster transactions, simplified requirements, dependable payment channels, and platforms that reach communities regardless of geography or circumstance. Through this initiative, GCash and ARTA continue to champion the goals by promoting ease of doing business, enhancing digital payment systems, and fostering stronger collaboration between government and the private sector," he noted.

By putting the spotlight on Luzon's digital trailblazers, the 5th GDEA reinforces that the path to a modern, inclusive Philippines is already being built, one LGU, one transaction, and one empowered citizen at a time

For more information, visit https://www.gcash.com.

GCash advances AI-powered fraud protection to safeguard digital payments

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A multi‑layered, AI‑powered security strategy showed how it protects millions of Filipinos from the next wave of scams

Digital fraud has evolved from technical exploits into psychological manipulation, targeting not just systems but human trust itself. Financial institutions face mounting pressure to respond with defenses that can learn, adapt, and scale in real time. At the recent Risk.net–AWS conference, GCash demonstrated how it is meeting this challenge, unveiling its multi‑layered, AI‑powered security strategy to protect millions of Filipinos from the next wave of scams.

(L-R) GASA security governance director Mel Migrino, PayMongo chief risk and compliance officer Josh Quinto, Maya compliance management head Mark Talib, 

and GCash chief risk officer Ingrid Beroña

During the conference, which focused on ‘Driving AFASA Compliance Through Advanced Fraud & FinCrime Detection’, hosted by Risk.net and Amazon Web Services (AWS) at Seda Hotel BGC in Manila, industry experts, from chief risk officers and compliance heads to security leaders and key stakeholders, gathered together to discuss how to operationalize the strengthened controls of the Anti‑Financial Account Scamming Act (AFASA), or Republic Act No. 12010 — a landmark law designed to combat the surge of financial cybercrimes such as phishing, smishing, and money muling.

GCash participated as one of the key speakers, with its Chief Risk Officer, Ingrid Beroña, joining the panel discussion on "Addressing Real-Time Fraud Detection, Authentication and Financial Crime Under AFASA's Circular 1213," where she led critical conversations on emerging fraud scenarios, AI-powered detection technologies, and the company's risk-based approach to compliance. She was joined by fellow leaders in the fintech landscape from Paymongo, GASA Philippines, and Maya.

When fraudsters weaponize AI

"AI-generated phishing and smishing are the biggest problems across different services that we have," Beroña shared. "Fraudsters are now able to craft phishing messages, even translating them into different languages and dialects."

The threat is amplified for the Philippines, which is one of the world's top social media adopters according to the Digital 2024 and 2025 Global Overview Reports by We Are Social and Meltwater. Large-scale social engineering campaigns deploy bots across platforms, while fake pages and merchants impersonate legitimate services with near-perfect accuracy.

As fraudsters weaponize AI, GCash has designed its defenses around four adaptive pillars. It begins with behavioral biometrics that screen user networks, paired with payload systems that monitor massive transaction volumes in real time. On top of this foundation sits adaptive risk profiling, tailoring security to each user. These controls are then scaled through a cloud‑based architecture capable of protecting millions of GCash user accounts simultaneously. Finally, the system continuously profiles consumer behavior, adjusting security controls in response to evolving activity patterns and transaction histories.

Furthermore, the GCash approach to AFASA ensures that the company is continuously working closely with fraud and cyber teams, AML specialists, and legal counsel while embedding AFASA discipline across the organization.

Strengthening ecosystem-wide defenses

The conference also highlighted how Circular 1213 strengthens controls across real-time fraud detection, identity integrity, authentication security, customer-protection alerts, and financial-crime monitoring, addressing how fraud and scams have evolved from isolated incidents to a regional crisis demanding coordinated response.

The conversations at the Risk.net and AWS event underscored a fundamental shift in how financial institutions must approach security. For GCash, having the largest digital ecosystem in the country means protection embedded at every layer, from onboarding through every transaction, continuously profiling behavior, and adjusting security controls based on risk. Technology that scales to handle massive volumes while maintaining the intelligence to identify subtle anomalies. It means security and privacy by design, not bolted on after the fact.

By anchoring security strategies in the realities of today's threat landscape rather than yesterday's playbooks, GCash continues building fraud prevention capabilities that protect users without compromising the seamless digital experience that drives financial inclusion.

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

GCash, Careem Pay partnership enables faster remittances for Filipinos in UAE

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The Philippines’ leading finance superapp GCash has partnered with Careem Pay, a digital payments service available within the Careem app, to enable faster and more reliable money transfers for overseas Filipinos living in the UAE.

Following the official signing between GCash and Careem Pay at Careem's head office in Dubai, users can now send money directly to GCash wallets in the Philippines, making transfers to family and friends faster and more convenient.

(L-R) general manager for GCash International Arjun Varma, and Careem Pay vice president Mohammad El Saadi

Through this direct integration, users in the UAE can now avoid the delays often associated with traditional bank transfers and the inconvenience of visiting physical remittance centers. Transfers settle within minutes, with funds credited straight to the recipient’s GCash app for immediate access.

Designed for Filipino expats who regularly support loved ones back home, the partnership focuses on making remittances simpler, more dependable, and easier to complete. By enabling direct wallet-to-wallet transfers, Careem Pay and GCash help ensure that funds reach recipients quickly and without unnecessary steps. To send money from the UAE to the Philippines, users simply need to download the latest version of the Careem app, select Pay on the home screen, and follow the steps under the Send Abroad tab.

First transfers made easier for first-time users

To mark the launch of the partnership, Careem Pay is offering a special promotion for transfers to the Philippines. Users can receive AED 20 cashback and enjoy zero fees on their first transfer by entering the code GCASH20, while Careem Plus members can benefit from exclusive rates on Careem Pay.

Arjun Varma, General Manager for GCash International said, “Sending money home is one of the most meaningful things our customers do with Careem Pay. For many Filipino expats, it’s about supporting loved ones, covering school fees, or helping parents with everyday expenses.”

“By integrating directly with GCash and adding cash pickup across nearly 15,000 locations, we’ve made the process simpler, faster, and more reliable, with most transfers now reaching their families in the Philippines within minutes,” said Mohammad El Saadi, Vice President of Careem Pay.

With faster and more reliable digital remittance options, GCash empowers overseas Filipinos in the UAE to send money home with confidence and ease. For more information, please visit www.gcash.com. To learn more about Careem Pay, visit www.careem.com/en-AE/pay.

Mynt powers next chapter of GCash: unlocking world-class innovations, advancing financial access

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Mynt, the parent company of GCash, continues to grow from strength to strength as it pushes for more world-class innovations on payments, lending, and other financial services.

A street food vendor seamlessly accepting digital payments through GCash

The company has further built on the success of its core payments and lending businesses which delivered healthy year-on-year growth in 2025. Mynt’s attributable equity earnings to Globe reached PHP 6.1 billion (USD 103.7 million) in 2025, higher by 64% year-on-year.

“Our growth momentum continues as digital finance becomes more embedded in daily life,” said Martha Sazon, president and CEO of Mynt. “We are doubling down on expanding financial access to the masses through everyday payments, fair lending, and inclusive wealth and insurance products”

Pioneering next-gen, inclusive payments for everyday Filipinos

In 2025, GCash mobile wallet operator G-Xchange, Inc. (GXI), further expanded financial access by partnering with the Philippine government in revolutionizing payments in the country's transport sector—starting with Metro Manila’s major rail and bus systems, which can now accept card, QR, and NFC payments.

This was further enabled by the launch of Tap to Pay, a next-generation NFC solution enabling secure, contactless payments across 150 million merchants worldwide. The company also accelerated its expansion into underserved segments, with 90% of users from lower socio-economic segments and 78% from outside Metro Manila.

Robust growth in fair and inclusive lending

Fuse Financing, the lending arm of Mynt, has also reached significant milestones in 2025 as it disbursed loans worth PHP 362 billion (USD 6.16 billion) life-to-date, a substantial 65% increase from 2024. This growth was driven by over 10.5 million unique borrowers, and GScore, its proprietary trust scoring system.

Fuse has also partnered with the Asian Development Bank for a PHP 1.75 billion loan (USD 30 million) to accelerate credit access to MSMEs—marking a landmark partnership in the ASEAN between ADB and a fintech company.

Unlocking wealth management and affordable insurance for all

GCash has significantly boosted its wealth portfolio, with its investment platform, GStocks Ph, serving 1.7 million registered users in 2025, a 65% increase year-on-year. It has also introduced its IPO Subscription feature, which enabled thousands to participate in a recent Philippine IPO, with orders via GStocks oversubscribed by over 200% during the sale period.

Through GInsure, GCash further expanded access to affordable insurance for millions of Filipinos — with 132.6 million policies sold life-to-date in 2025, nearly triple the previous year’s level. This growth was supported by a 45% increase in GInsure users to 20.6 million.

Deepening financial access for all Filipinos

GCash has also been doubling down its support for entrepreneurs in 2025 with the launch of the GCash Pera Outlet Plus App, making it easier for nano-merchants to access digital services, alongside GCash PocketPay, transforming smartphones into point-of-sale (POS) devices for card payments. The company also made receiving international remittances from the United States faster and easier through its Virtual US Account.

Underpinned by its growth and inclusive fintech innovations, GCash has solidified itself as the #1 Finance App in the Philippines by monthly active users, according to Sensor Tower data as of December 2025.

“Across our various businesses, we strive to achieve meaningful impact, aimed at Making Filipinos’ Everyday Lives Better and accelerating financial inclusion for all,” said Sazon.

GCash cautions the public against new scams forcing users to download fake mobile apps from suspicious websites

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GCash is warning the public against new scam tactics that involve fraudsters posing as representatives of legitimate organizations or government agencies. Scammers are employing increasingly sophisticated tactics, including phone calls, emails, fake apps, and staged online video meetings, to pressure victims into revealing their account credentials, resulting in unauthorized access and financial loss.

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GCash warns users to beware of fake government IDs, suspicious video calls, screenshare requests, and bogus app downloads from unfamiliar websites.

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Here are new tactics that scammers are using to target victims, and what to do in case you encounter these:

Fake eGovPH and PhilSys representatives

1. Scammers will pretend to be from a company or government agency and say your National ID is ready or needs verification.

2. They will ask you to join a Google Meet call, send a link, and tell you to download a fake app and share your screen.

3. By watching your screen, they will steal your OTPs, PINs, and passwords, then access your banking and e-wallet accounts.

Fake promos, expiring rewards, and offers that are too good to be true

1. Scammers will pretend to be customer service or company representatives and contact you about rewards, points, or promos.

2. They create urgency and say an OTP is needed to redeem the offer or secure the reward.

3. Some scammers will pretend to be from GCash or a bank and offer account verification, cashback, or security updates.

How to protect yourself

1. Ignore unexpected calls or meeting invites about account or ID verification. If pressured to act fast, hang up or decline immediately.

2. Never share your OTP, MPIN, passwords, or screen during logins or transactions.

3. Do not download apps from links sent by email or text: use the official Apple App Store, Google Play, or Huawei AppGallery.

Report suspicious activity and stay informed

GCash users can report suspected scams through the GCash Help Center at help.gcash.com by chatting with Gigi and selecting “I want to report a scam”, or by calling the official GCash hotline at 2882.

Users may also report incidents to the PNP Anti-Cybercrime Group at (02) 8414-1560 / 0998-598-8116 or acg@pnp.gov.ph, and to the Cybercrime Investigation and Coordinating Center (CICC) via hotline 1326, mobile 0991-481-4225, or report@cicc.gov.ph.

GCash actively monitors and blocks suspicious activity, takes down reported scam links and accounts, and works closely with law enforcement and government agencies to protect the public.

For more information and updates on cybersecurity, visit the PNP ACG Facebook Page and the GCash website at https://www.gcash.com.

The GCash app is available for free on Google Play Store, Apple App Store or Huawei App Gallery. For safety reminders and updates, visit the official Facebook page at GCash Official.

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

MMDA launches seamless NCAP and anti-littering payments via GCash

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• Motorists can now go cashless in settling MMDA NCAP violations, anti-littering, and other fees through GCash app Bills feature.

• Lower convenience fees make settling violations easier for all motorists

To make fine payments more convenient for Filipinos, the Metropolitan Manila Development Authority (MMDA) and GCash, the country’s leading finance super app and largest cashless ecosystem, are introducing the updated MMDA biller page on the GCash app. With this enhanced integration, motorists can now settle their No Contact Apprehension Policy (NCAP) violations and other MMDA fees—such as anti-littering penalties—quickly, securely, and anytime on their mobile phones.

With direct biller integration within the GCash app, motorists can now enjoy a smoother payment experience with updated information and a lower convenience fee of only P7 per transaction.

“Making government payments easier and more convenient for the public has always been our priority. With this improved biller page, motorists can now settle their penalties anytime and anywhere, helping them save time and avoid unnecessary hassle,” said MMDA chairman Romando Artes.

For GCash, this collaboration underscores the platform’s mission to empower Filipinos with secure, accessible, and technology-driven financial solutions. “We continue to support government agencies in making public services more accessible through digital payments,” said Cleo Santos, VP head of public sector at GCash. “By enabling seamless and affordable settlement of MMDA violations on the GCash app, we are helping make compliance easier for motorists while advancing the government’s push for efficient, cashless transactions.”

By integrating more government services into its ecosystem, GCash continues to simplify everyday transactions and promote a more digital, efficient, and user-friendly way of paying.

For more information, visit https://www.gcash.com.

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GCash represents PH at Mastercard Global Financial Health Coalition, showcases fintech expertise in international arena

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Leading finance super app GCash is bringing its financial technology expertise as the sole Philippine founding partner in the Mastercard Global Financial Health Coalition, an international network of industry innovators focused on advancing financial health and resilience.

Fuse Financing Inc. president and CEO Tony Isidro represented GCash during the Mastercard ASEAN Inclusive Growth Summit in Malaysia, highlighting the importance of enabling credit access to MSMEs to support their growth.

Represented by GCash lending arm Fuse Financing Inc., its president and CEO, Tony Isidro, is sharing his knowledge on how to further financial inclusion on a larger scale through technology.

This perspective sets the stage for the participation of GCash in the Coalition, which aims to strengthen financial resilience in emerging markets by connecting people to the right tools — harnessing technology for protection and empowering long-term financial habits. Other members of the Coalition include DANA, TrueMoney, MTN Group Fintech, Airtel Africa, MOCO, Axian, Daviplata, and The Center for Financial Inclusion.

“GCash has transformed how millions of Filipinos manage their money—bringing secure, digital financial services into everyday life. Through its lending arm, Fuse Financing Inc., it has democratized lending in the Philippines, making credit fair and more accessible to millions, especially the unbanked and underserved segments, “ Isidro said.

“By joining this coalition, we aim to extend that impact beyond our borders, sharing our mobile-first innovation and insights to help strengthen financial resilience across emerging markets,” he added.

More than account openings

For Isidro, the industry must confront a hard truth: opening an account is not enough to improve financial well-being. Real progress depends on whether people trust financial tools, understand them and use them regularly. Technology is central to building these behaviors. It strengthens security, simplifies transactions and enables users to take control of their financial decisions.

According to Isidro, however, many Filipinos remain outside the formal financial system despite the rapid expansion of digital adoption in the country. This gap is evident in a study by Mastercard showing that 49.8% of adults still do not have a formal financial account. This limits access to savings, credit, and insurance that are key to long-term financial stability.

Fuse Financing addressed this gap by offering credit products that are simple, secure and accessible through the GCash app. This accessibility led to a growth in lending activities, reflecting a shift in behavior as more users integrate borrowing into their daily financial routines. This pattern aligns with Mastercard’s findings that deeper usage of financial tools is closely associated with financial progression.

The Philippines illustrates how fintech platforms can reach communities that traditional banking has not fully served. Mastercard’s analysis also shows that when digital and physical tools complement each other, people are more likely to build consistent financial habits. This reinforces the role of technology as a driver of trust and adoption.

Isidro, as such said, the coalition strengthens the opportunity to bring this approach to more markets.

“We look forward to learning from fellow coalition members whose diverse experiences and best practices can help us further elevate our solutions. Together, we can accelerate progress toward a truly inclusive digital economy,” he said.

As the Coalition moves forward, the experience and expertise of GCash in driving adoption and responsible borrowing will contribute to a broader, regional effort to improve financial health. The goal is to build a digital economy where more people have the tools and confidence to advance financially.

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

Holiday Travel Season Is In! Here’s Your Ultimate Checklist for a Trip That’s Worth It

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For many of us, a holiday trip isn’t just a break – it’s the moment we look forward to all year, the hard-earned vacation after months of juggling work. But as every traveler knows, holiday travel often brings added stress. With hotel and flight bookings filling up fast, experiences selling out quickly, and larger crowds of travelers everywhere, the trip you’ve been anticipating can easily become stressful.

This year, make it different. A truly worthwhile holiday trip starts with being prepared for everything. As you start getting ready, check out these four pro tips to make sure that every second of this long-awaited trip is worth it.

1. Arrive earlier than normal during the holiday rush

With reports of long lines at the bag drop and longer queues at immigration, traveling during the holidays calls for being just a little bit earlier than usual – and doing everything you can ahead of time.

Check in online through your airline’s app or website, complete your e-travel in advance, and keep all your documents organized in one secure, easy-access pouch with digital copies also ready and saved on your phone.  A few extra steps of preparation can save you a lot of airport stress later.

2. Leave a little room for spontaneous moments

Theme parks, ski passes, and city tours sell out fast in December. Of course, it helps as early as possible – but sometimes, even that can’t be helped. Here’s a pro tip: when planning your itinerary for a city or area, secure at least one main activity—the non-negotiable experience you really want to do—then leave space for spontaneous adventures and exploring on your own.

3. Monitor the weather, and pack for it

Experiencing a “white Christmas” is on many people’s bucket lists this year. If you’re flying to Seoul, Nagoya, New York, or any other snowy destination, make sure you’ve packed your thermals, layers, and warm socks. Also, have a coat ready at the plane, so you don’t get too cold upon arrival!

4. Use GCash to pay for an ultimate guilt-free, shock-free spending holiday

One of the biggest stressors while traveling is managing expenses. Bill shock from credit cards, unexpectedly high exchange rates, hidden fees, and overspending that you only realize weeks later can quickly disrupt a trip meant to be relaxing. This year, you can avoid all that with GCash and by following its simple shock-proof, worry-proof shopping method: Scan-Swipe-Tap.

 When you pay with GCash abroad, you gain real-time control over your spending, enjoy low forex rates that update instantly in the app, avoid hidden service fees, and benefit from fast, convenient transactions all throughout your trip. Here’s how:

Scan: Pay with GCash to Scan to Pay at merchants abroad. Simply look for the Alipay+ logo when paying in-store or ordering at restaurants. This way, you don’t need to scramble for cash, and you can even unlock exclusive promos along the way!

Swipe: You can also pay with the GCash Visa Card abroad, especially for the bigger items you’ve saved up for. Unlike credit cards with high FX fees, there are no additional charges with the GCash Visa Card. Your transactions are automatically recorded in-app, so you always see how much you’ve spent – no bill shock.

Tap: For Android users, take your payments even further with the new GCash Tap to Pay feature. Just tap your phone on any NFC-enabled terminal and pay within seconds – perfect for major shopping hubs and seamless checkouts in crowded places where convenience is key.

Don’t forget these 4 pro-tips and make sure you Scan–Swipe–Tap for a trip that’s easier, lighter, and truly worth it—just as a holiday should be.

Government agencies and GCash accelerate digital Philippines transformation, boosting transparency and public service delivery

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ARTA, BSP, and DICT team up with GCash for the Nation initiative to push for full government digitalization

In line with the government’s vision to eliminate red tape and corruption, the Anti-Red Tape Authority (ARTA), together with the Bangko Sentral ng Pilipinas (BSP), Department of Information and Communications Technology (DICT), and the country’s leading finance app GCash, convened to champion the complete digitalization of public services. The workshop, “GCash for the Nation: Building Capabilities Toward a Sustainable Digital Ecosystem,” was held at the ARTA premises in the UP-AyalaLand Technohub, Quezon City.

Bringing together leaders from economic, regulatory, and local government sectors, the session underscored a shared commitment that digital transformation is key to transparent, efficient, and citizen-centered governance.

“Digitalization is not just ease of doing business but an assurance against undesired allegations such as corruption. Every time we move a process online, we create a system that is accountable, traceable, and citizen-centered,” said ARTA director general Ernesto Perez.

Government and industry leaders agreed that moving processes online not only speeds up delivery but also ensures every transaction is properly documented and verifiable. However, one major challenge remains—shifting from paper-based audits to digital validation. BSP deputy governor Bernadette Romulo-Puyat highlighted this social shift, emphasizing that building trust in digital platforms is essential for the government’s transformation journey.

“Digital finance must build not only convenience but also trust. Through the years, we’ve already established financial inclusion, and we have now evolved into driving financial health,” she said.

As the country’s leading finance app and largest cashless ecosystem, GCash reaffirmed its commitment to supporting government agencies in adopting paperless and cashless systems. This collaboration aims to accelerate the shift toward e-payments and digital records, improving ease of doing business and minimizing bureaucratic bottlenecks.

“The digital economy reached ₱2.25 trillion in 2024, signaling our shift toward a fully digital future. (At DepDev), we are driving digitalization across planning, policy, and implementation while advancing key reforms to simplify business processes. We look forward to working with all our partners to bring Filipinos closer to a more comfortable and resilient way of life, “said DepDev assistant secretary Reynaldo Cancio.

 

GCash VP and head of public sector Cleo Celeste Santos highlights the role of technology in improving public services

Through the partnership, ARTA and GCash will roll out capacity-building initiatives for local and national government units, enabling them to develop digital systems aligned with the government’s transformation roadmap. These initiatives include digital payment integration, streamlined records management, and strengthened citizen access to essential services.

“Digital transformation requires both technology and mindset. We’re here to build the digital backbone that allows government agencies to deliver faster, cleaner, and more inclusive services to Filipinos,” said Cleo Celeste Santos, GCash vice president and head of public sector.

“GCash is proud to stand alongside ARTA and our government partners in advancing a truly digital nation—one that enables transparent, efficient, and inclusive services for all,” Santos added.

BSP deputy governor Bernadette Romulo-Puyat underscores that building trust in digital platforms is key to the government’s digital transformation journey

DepDev assistant secretary Reynaldo Cancio talks about digitalization and its impact on the Philippine economy

The workshop underscored ARTA’s “whole-of-government” approach to reforming public services—an effort that aligns seamlessly with GCash’s vision of “Finance for All.” By empowering agencies with secure and efficient digital tools, GCash continues to play a pivotal role in building a safe, trusted, and inclusive digital economy—helping government institutions uphold transparency, accountability, and sustainable governance for every Filipino.

“Once fully deployed, we will anchor a sustainable digital ecosystem that streamlines transactions, strengthens transparency, and accelerates the country’s digitalization agenda,” said GPPB-TSO Capacity Development Division officer-in-charge Renlay Concha.

GCash for the Nation program brings digital and financial literacy training to different regions across the country. Earlier sessions were held in Pangasinan and in the National Government Agencies cluster in NCR, Eastern and Western Visayas. These will be followed by the next runs in Cagayan Valley on November 25, and Albay on November 27. Through these continuing efforts, GCash remains steadfast in its mission to enable Finance for the Nation by empowering communities, MSMEs, and government partners through digital innovation.

For more information, visit https://www.gcash.com.

CARD Indogrosir, GCash bring SoundPay innovative payment tool to MSMEs

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GCash, the Philippines’ leading finance super app, has teamed up with CARD Indogrosir, a hybrid local retail chain that caters not just to retail customers but also wholesale clients. Through this partnership, GCash is rolling out SoundPay devices in all CARD Indogrosir stores, enabling faster and more efficient transactions.

(L-R) GCash account manager Vance Ching, B2B commercial head Martin Limgengco, business group head Jong Layug, CARD Indogrosir executive vice president Frederick Torres, and general manager Jeffrey Rilles

Powered by a compact device that emits a distinct audio cue upon a successful payment, SoundPay allows merchants to confirm transactions instantly—no need to check phones or request screenshots. This scan-to-pay system is especially useful in areas with limited connectivity, where reliability and speed are essential.

These devices are already available in 29 branches of CARD Indogrosir, with plans to add 44 more before the year ends, and expand this to a total 200 stores by next year.

For GCash users, SoundPay delivers a more intuitive, secure, and modern payment experience. For merchants, it streamlines operations, reduces delays, and supports smoother interactions with both bulk buyers and walk-in customers.

By integrating SoundPay into CARD Indogrosir’s retail network, GCash is enabling more businesses to adopt digital payments with confidence and ease.

"This partnership is about meeting users where they are and making payments work better for everyone. SoundPay brings speed, simplicity, and trust to everyday transactions," said Jong Layug at group head of GCash for business.

“At CARD MRI, we believe that inclusive growth begins with empowering the smallest entrepreneurs – our Sari-sari store owner members. Through our partnership with GCash and SoundPay, we are not only modernizing payments but also creating opportunities for every member of the CARD community as well as the general public to grow, compete, and thrive,” said Frederick Torres, EVP for CARD Indogrosir.

As SoundPay begins its rollout, GCash continues to lead the way in building financial systems that are not only innovative but inclusive—enabling merchants and customers to transact with greater ease, trust, and relevance—one tap at a time.

CARD Indogrosir is a joint venture between CARD MRI—the largest microfinance institution in the Philippines—and Indonesia’s Indogrosir under the Salim Group. It was founded in 2023, aligned with CARD MRI’s ultimate goal of eradicating poverty in the country, as it helps support Filipino micro-retailers by giving them access to wholesale pricing, logistics solutions, and much-needed financial services—making it a strategic partner in the inclusive innovation push of GCash.

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

Restoring dignity in borrowing: Fuse Financing on breaking credit barriers for small businesses at AgriVerse 2025

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Fuse Financing, Inc., the lending arm of GCash, led a discussion on fair borrowing options for Filipino micro-retailers and agri-entrepreneurs at the recently concluded Agriverse Summit 2025 held in Pasay City. The event brought together agripreneurs, government officials, innovators, and small business owners to explore how technology can support business growth, boost agricultural productivity, and promote sustainable farming.

L-R) PARJV Grosolutions co-founder and Pamantasan ng Cabuyao VP planning, research and extension Dr. Jessica Domingo Rey; GCash VP and head of corporate communications and public affairs Gilda Maquilan; Philippine Association of Stores and Carinderia Owners founding and national president Ms. Elilyn S. Gadia; Fuse Financing Inc. chief product officer and strategy head Baby Aquino; and ASBF Philippines founding trustee and president Ms. Arlene Padua-Martinez

Organized by the Asia Small Business Federation (ASBF) and Philippine Association of Stores and Cardinderia Owners (PASCO), Fuse Financing chief product officer and strategy head Baby Aquino highlighted the company's commitment to restoring dignity and fairness to borrowing for the Filipino micro-retail and agricultural sector.

In a fireside chat "Digital Wallets, Local Markets: Unlocking Growth for Micro-Retail and Agribusiness," Aquino also shared how Fuse is redefining access to finance through digital technology. The company replaces exploitative informal lending with fast, fair, and transparent credit products that can be accessed real time, anytime, anywhere, through a mobile phone via your GCash e-wallet.

Fuse’s innovation lies in its end-to-end digital process. By using data-driven credit assessment and digital collection tools, the lender removes the need for physical documents or in-person applications. This allows MSMEs to access funds within minutes, validating what Aquino describes as "true empowerment."

As of the second quarter of 2025, Fuse has extended credit to 9.5 million Filipinos and disbursed P287 billion in loans. Fuse is able to extend credit to segments underserved by traditional institutions such as MSMEs and women, with one in three are small business owners and three in five borrowers are women while four out of five are from the masses (SEC C2DE), underscoring the company’s wide reach and deep impact on inclusion.

The lender’s suite of products is designed to meet the different financing needs of small entrepreneurs. GLoan offers larger cash loans for business owners of up to P350,000, to support their business capital and growth, while GLoan Sakto, a sachet-type loan, enables eligible customers to borrow for as low as Php 100- an ideal option for the regular customers or the “sukis” of sari-sari stores, instead of them constantly borrowing from sari-sari store owners. This also relieves them of the hassle of collecting those small loans owners. Often used as “pambale,” borrowing even as small as P100 can give customers who were traditionally sidelined by formal credit institutions, an opportunity to build a formal credit history. This approach helps everyday Filipinos transition from informal borrowing toward long-term, sustainable growth.

Aquino emphasized that Fuse’s mission is to make formal lending accessible to every Filipino entrepreneur. "’Yung philosophy kasi talaga ng GCash is to allow Filipinos to borrow with dignity. Dapat ‘yong mga produkto namin ay klaro, fair, and transparent. (GCash operates on a philosophy that aims to allow Filipinos to borrow with dignity. Our products are clear, fair, [and] transparent),” she said.

Aquino concluded that the future of small businesses in the Philippines, especially in the agri-tech sector, depends on three essentials: access to finance, access to markets, and access to technology. Through digital innovation, Fuse and GCash aim to make these opportunities available to every Filipino entrepreneur.

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