13 APAC Mobile Wallet and Digital Bank Leaders Sign up for New MSME Initiative to Accelerate Inclusion and Sustainability Efforts

Tuesday, March 26, 2024

Programme Sirius

Programme Sirius (Sustainability Innovation for Regenerative & Inclusive Purpose), supported by 13 Asia-Pacific fintech leaders at its inaugural launch, was unveiled today to empower Micro, Small, and Medium-Sized Enterprises (MSMEs) in their transition towards sustainability, in line with the United Nations Sustainable Development Goals.

Programme Sirius is an industry-led knowledge initiative that aims to support MSMEs operating on digital platforms in their journey towards sustainability. It will foster open industry dialogues where like-minded industry partners can exchange ideas on sustainability innovations and share best practices to supportMSMEs on their sustainability journey, helping their transition into a low-carbon economy, advancing their accessibility to sustainability financing, and uplifting MSMEs with new growth opportunities.

International Finance Corporation (IFC), a member of the World Bank Group, will collaborate with Ant International to develop and promote a set of Digital Sustainability Impact Management Toolkits in the next two years. These toolkits aim to empower MSMEs to adopt environmentally and socially friendly practicesto improve MSMEs’ access to sustainable finance through digitalization while driving the entire economy towards a low-carbon development path.

To support MSMEs in commencing their sustainability journeys, Gprnt, an initiative by the Monetary Authority of Singapore, will collaborate with Ant International to provide a technology-enabled reporting solution for MSMEs to embark on simplified sustainability disclosures against basic Environmental, Socialand Governance (ESG) metrics. Gprnt will further augment Programme Sirius by sharing how MSMEs can better harness data and technology to gain access to sustainable business, finance, and supply chain opportunities.

At the launch, 13 industry partners from 11 economies have committed to be part of Programme Sirius:AlipayHK (Hong Kong SAR, China), ANEXT Bank (Singapore), Bigpay (Malaysia), bKash (Bangladesh), DANA (Indonesia), GCash (the Philippines), Hipay (Mongolia), Kakao Pay (Republic of Korea), MPay (Macao SAR, China), TNG Digital (Malaysia), TossPay (Republic of Korea), TrueMoney (Thailand) and Zalopay (Vietnam).

Corporates and businesses today face increasing reporting requirements from regulators, financial institutions, and supply chain partners to disclose and track their sustainability performances. Small Medium Sized Enterprises (“SMEs”) represent 90% of all businesses and 50% of employment worldwide1, yet their limited size means they lack the capability and data collection mechanism for sustainability related reporting. MSMEs, which form key components of larger firms’ supply chains, face even greaterchallenges from the complexities of the reporting landscape, insufficient resources, and know-how to generate basic sustainability reports, and high cost of employing technological solutions and consulting services to develop effective sustainability reporting solutions.

With multinational companies aiming to curtail their carbon footprint and extending these expectations to their suppliers, local merchants could gain competitive edge by embracing sustainability. To facilitateMSMEs, including those operating in digital channels, to transition towards sustainability, there is a greaturgency to call for industry collaborative efforts and innovations to help in addressing these key areas of challenges.

“We always talk about financial and digital inclusion, but sustainability inclusion for MSMEs is becoming one of the most pressing challenges,” said Leiming Chen, Chief Sustainability Officer, Ant International. “As these merchants play an increasingly important role in the global and local economies,there is a need to provide them with the right mindset, knowledge, and resources to take climate action.Given the complexities of the task, ranging from taxonomy and governance framework to cost and education, it requires collective effort across public and private sectors, industries, and markets to drive this change. With our experience in innovation-led sustainability and MSME programs, Ant International is proud to join partners like the Gprnt and IFC, and other industry partners of the Programme Sirius likeGCash to unlock opportunities for MSMEs as they transform to become more sustainable.”

“MSMEs are the backbone of any growing economy. With this, GCash has become their bridge to digital byproviding essential tools – transforming the way they do business. We remain committed to helping FilipinoMSMEs achieve progress through democratized financial services, especially with easy access to credit,” commented Martha Sazon, President and Chief Executive Officer of GCash.

“MSMEs are the backbone of the Asia-Pacific economy, accounting for more than 97 percent of its businesses and employing over half its workforce. Meanwhile, our region accounts for three-fifths of globalemissions from power generation and includes many countries vulnerable to climate change,” saidChristina Ongoma, Upstream and Advisory Manager, Financial Institutions Group, East Asia and the Pacific, IFC. “The sustainable growth of MSMEs is of great importance, as it not only creates jobs and drives economic growth, but also paves the way for a better future for all.”

Sopnendu Mohanty, Chief FinTech Officer, Monetary Authority of Singapore, said: “The widespread adoption of digital wallets and payment solutions makes them a key enabler for helping smaller businesses commence their sustainability journeys. Industry initiatives like Programme Sirius are important for the public and private sector to coordinate the tools, frameworks and technologies for smaller businesses to build their sustainability competencies as they transition into the green economy. The MAS is pleased tosupport Programme Sirius by leveraging its work on Project Savannah, which articulates a common starting point for MSMEs to report basic ESG information; and through the involvement of the newly established Gprnt platform, which harnesses technology and automation to simplify how MSMEs report such information. We look forward to Programme Sirius bringing together global financial institutions and payment providers, to collectively power more inclusive and sustainable growth for MSMEs around the world.”
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UnionDigital Bank leads the pack in digital banking, emerges as "Best Digital Bank in the Philippines"

UnionDigital Bank

  • UnionDigital Bank is named 'Best Digital Bank in The Philippines’ by TAB Global’s Global Excellence in Retail Finance Awards 2024
  • The digital bank subsidiary of Union Bank attributes the recognition to the exceptional growth it achieved in 2023, ending the year with a 65% market share in loans and 25% in deposits among digital banks 
  • Within the period, the bank's loan-to-deposit ratio surged from 58% at the end of 2022 to an impressive 69%, surpassing that of its digital banking counterparts in the country 

In a period defined by technological innovation and digital transformation, UnionDigital Bank, the digital bank subsidiary of Union Bank of the Philippines, emerged as a leader in digital banking as it secured the distinguished title of the ‘Best Digital Bank in The Philippines’. Honored by the esteemed Global Excellence in Retail Finance Awards 2024, an award-giving body in the industry led by TAB Global, this achievement underscores UnionDigital Bank's relentless pursuit of innovation and its dedication to providing cutting-edge digital banking solutions. 

In 2023, UnionDigital Bank witnessed a remarkable surge in its balance sheet, observing an increase in both deposits and loans, more than doubling its previous performance. As of December 2023, the bank had attained a substantial 65% market share in loan portfolio size, while in deposit, it ranked second among digital banks with a commendable 25% share. Within the period, the bank's loan-to-deposit ratio surged from 58% at the end of 2022 to a noteworthy 69%, surpassing that of its digital banking counterparts in the country. 

This period marked a significant milestone as UnionDigital Bank achieved profitability in 2023, showcasing extraordinary growth with revenue soaring by 13 times, totaling over PHP 5 billion. The bank’s latest accolade as the ‘Best Digital Bank in The Philippines’ is a testament to its exceptional growth trajectory and enhanced profitability. 

"Being acknowledged as the 'Best Digital Bank in The Philippines’ confirms UnionDigital Bank's dedication to pioneering innovation and delivering exceptional value to our customers. This honor mirrors the hard work and dedication of our team in setting new benchmarks for digital banking and continuously striving to lead the industry into the future," said Henry Aguda, CEO of UnionDigital Bank. 

UnionDigital Bank, since its inception as the digital bank subsidiary of Union Bank of the Philippines, has been a trailblazer in the digital banking landscape, constantly pushing boundaries and redefining industry benchmarks. Through strategic collaborations with key partners such as digital healthcare platform mWell, ride-hailing Angkas, and Malaysian airline firm Capital A, UnionDigital Bank has reinforced its commitment to innovation and customer-centric services. 

"As we continue to solidify our position as a rapidly profitable digital bank in the Philippines, the recognition by The Asian Banker underscores our ongoing commitment to excellence and innovation in the industry. This distinction serves as an encouragement for us to further our efforts in promoting financial inclusion, enhancing our financial services, and cementing our role as a key contributor to the digital banking sector," commented Aguda.
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Enstack Launches "HERstory": A Celebration of Women in Leadership

Enstack

Series aims to inspire professional ambition and personal growth by spotlighting trailblazing women in business and industry

Enstack, the AI-powered mobile app that enables everyone to be entrepreneurs, announced today the launch of EmpowHER HERstory, a year-long video series designed to spotlight the journeys, challenges, and achievements of female leaders across various industries.

EmpowHER HERstory, a new initiative from Enstack’s EmpowHER campaign, gives a closer look at the lives of influential women who balance professional success with personal roles such as that of mothers and primary caregivers.

As a female-led company, Enstack consistently highlights female entrepreneurs, emphasizing role models just ahead in their journeys for relatable inspiration. With EmpowHER HERstory, Enstack also wants to celebrate women who have reached the C-suite, built billion-peso businesses, or created an impact on millions of Filipino lives while juggling different personal roles, with an aim to motivate audiences toward even bigger dreams and substantial ambitions.

This series brings to the fore influential women including: 

● Yangyang Zhang, Xendit's Chief Innovation Officer, known for her pivotal role in financial innovation across Southeast Asia; 

● Ruoshan Tao, Canva's Head of Marketing for Southeast Asia and Latin America, who is transforming digital design accessibility worldwide; 

● Ambe Tierro, Country Managing Director at Accenture Philippines, who is setting the standard for excellence in the IT and consulting industry; 

● Berna Romulo-Puyat, Deputy Governor at the Bangko Sentral ng Pilipinas, instrumental in shaping national financial and economic policy; and 

● Quezon City Mayor Joy Belmonte, renowned for her dedication to community development and governance. 

In the Philippines, women hold 39% of senior management and have surpassed men in tertiary education enrollment, with a ratio of over 2.57 million women to 1.87 million men in AY 2021-2022. However, the labor force participation rate for women is at 34.5%, highlighting a discrepancy that underscores the critical importance of visible, diverse female leaders to inspire the next generation. 

"Within Enstack's ecosystem, where nearly 70% of merchants are women, we are deeply committed to amplifying female entrepreneurship and underscoring the significant impact women have on the economy. EmpowHER HERstory is about the power of visibility and representation. It's about revealing not only the achievements of women but also the paths they've taken, the obstacles they've overcome, and the significant impacts of their journeys,” shares Enstack's CEO, Macy Castillo. “This initiative is our way of inspiring viewers to dream bigger, encouraging not just young women but people from all walks of life to challenge norms, break barriers, and pursue their dreams with relentless passion."


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GS1 Philippines kicks off landmark shift from barcode to QR code to bolster local retail industry’s digital transformation

GS1 Philippines President Roberto "Bobby" Claudio


In an era where consumers demand instant, transparent information about their purchases, the supply chain industry is undergoing a transformative shift. The 2023 Global Shopper Study by Zebra Technologies revealed that 77% of retail associates confirm that today's shoppers are more informed than ever, highlighting a well-connected, discerning consumer base.

In light of these evolving consumer expectations, businesses are revamping their products and supply chains to offer greater transparency, resilience, and sustainability. The study further reveals that approximately 7% of companies are incorporating or planning to incorporate business intelligence and analytics into their supply chain management strategies.

Responding to these industry challenges, GS1 Philippines, the leading organization on local barcode standards, has announced the start of the adoption of the 2D barcode in the Philippines aimed at further enhancing operational efficiency in the supply chain industry and bridging better product engagement between businesses and consumers with the advent of digital labeling.

The 2D barcode, most popularly known as “QR code,” leverages web technologies and the current barcode system to store extensive product information in just one scan. Through the QR codes, brand owners and retailers can easily interact with consumers and shoppers by providing in-depth information on their physical products. By scanning the QR code with a smartphone, buyers can instantly see ingredients, allergens, recipes, rewards, and promotions, as well as brand-authorized details about where the item was manufactured, facts about sustainable sourcing, guidance on recycling, easy ways to re-order, and other kinds of information.

The QR code also allows retailers and supermarkets to ensure product safety, guarantee product freshness, and reduce food waste. Additionally, it enables regulators to check a product's sustainable characteristics. 

Moreover, the migration to 2D barcodes improves operational efficiency in the supply chain industries. In addition to holding GS1's global trade item number found in the traditional 1D barcodes, the QR codes can now store essential information, such as a product's batch or lot number, serial number, and expiry date. With access to crucial data, all stakeholders in the supply chain can boost transparency, improve inventory management, enable traceability and sustainability initiatives, and simplify recall and return processes.

"In the face of rapid technological advancements, it's critical that we adapt to empower the supply chain industry further. The introduction of QR code technology serves as Pandora's box, opening infinite possibilities for brands and retailers to make their operations more efficient and improve customer engagement. GS1 Philippines members pave the way in this groundbreaking transition to more efficient and robust supply chain operations," GS1 Philippines President Roberto "Bobby" Claudio said. 

The announcement aligns with the global commemoration of GS1 Global's 50th anniversary of the barcode's invention, celebrating a legacy of innovation in business solutions through web technologies and GS1 Standards.

GS1 Philippines is eyeing to prepare industries for the shift to the 2D barcode by 2027. By then, all retail POS scanners globally are capable of reading and processing 2D barcodes powered by GS1 and there is broad, global brand owner implementation of the same.

Currently serving more than 5,000 retailers, GS1 Philippines targets to reach 30,000 businesses nationwide by the end of 2024.

To explore the infinite possibilities of one scan with GS1’s 2D barcode technology, you may visit https://www.gs1ph.org/ or their Facebook page.
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The changing face of insurance: How tailored microinsurance products are key to relevance and adoption in the Philippines

microinsurance products

For most people, understanding insurance boils down to the four most common types: life, health, auto, and long-term disability. While awareness of insurance importance is increasing, the aforementioned traditional insurance products are failing to resonate with many people due to various reasons including affordability, accessibility, and relevance. These factors have largely contributed to the low insurance penetration in the Philippines, which stands at 1.68% as of September 2023. 


This is where microinsurance is changing the game as insurtechs and insurance companies have introduced personalized microinsurance products that cater directly to the unique lifestyles and needs of Filipinos as they go through various stages of their lives. As an insurtech, Igloo and its partners have been instrumental in facilitating a wide array of microinsurance products that safeguard the unique needs of digital natives and underserved sectors. These products run the gamut from travel insurance, to electronics protection, e-commerce purchase protection, and even protection for the gamers’ health.

“While traditional insurance products may come with high premiums and broad coverage, microinsurance products are designed to provide targeted protection against specific risks that are relevant to our daily lives. By offering affordable products that address immediate needs, microinsurance can serve as the gateway to broader insurance protection and may be key to boosting insurance penetration,” said Roberto Vea, Commercial Lead at Igloo Philippines. 

Among the most popular insurance products Igloo PH and its partners facilitated are Gadget Protection and Online Shopping Protection. In 2023, Gadget Protection sold 10.3 million policies while Online Shopping Protection sold 1.98 million policies highlighting strong customer demand for coverage against electronic device damages and online purchase risks.

“Microinsurance empowers individuals to protect themselves against risks they face today, whether it's safeguarding their electronics from liquid damage or ensuring affordable coverage for spontaneous travel adventures. At Igloo, we believe it’s important for insurers and insurtechs like ourselves to continuously develop relevant products and make sense for our customers,” Mario added.

As of September 2023, microinsurance premiums in the Philippines have increased by 19.6% to P10.16 billion, and over 56 million Filipinos are now insured under microinsurance policies. 

“The growth of the microinsurance industry underscores how the approach to insurance awareness is no longer one size fits all–it must evolve alongside our digital-first lifestyles, safeguarding our ever-expanding virtual assets and providing peace of mind in the face of modern risks,” Vea explained. “This also means ensuring that the products are where our consumers are–online, thus making sure that the entire buyer’s journey from consideration, to purchase, and claims must be easy, accessible, and uncomplicated.”

According to a recent study conducted by Manulife, 41% of Gen Z individuals (aged 18-24 years old, according to McKinsey) plan to purchase insurance online in the next 12 months. Furthermore, the study found that 33% of millennials (aged 25-44 years old) have already bought insurance online. This indicates that younger generations are increasingly preferring and adopting online channels for purchasing insurance.

This is where the availability of embedded insurance was able to expand the channels of distribution, providing consumers with a convenient way to discover, evaluate, and purchase products in just a few clicks. Igloo does this through partnerships with major e-commerce platforms like Lazada and Shopee, leading payment platforms such as DANA in Indonesia and GCash in the Philippines, and retail chains like Circle K in Vietnam.

“As Igloo continues to play a vital role in making microinsurance accessible to millions of Filipinos, we remain committed to prioritizing products that not only raise insurance awareness and adoption but are also relevant, innovative, and customer-centric,” Vea ended.

Learn more about how Igloo’s tailored microinsurance solutions by visiting iglooinsure.com.
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Zed launches first credit card created for Filipino young professionals

Sunday, March 24, 2024

Zed Credit Card

Tailored for the Gen Z lifestyle, the new credit card offers no annual, interest, or foreign transaction fees

In the Philippines, despite the financial industry’s recent attempts at digitalization, customers still face significant hurdles when it comes to accessing credit products. A recent study by TransUnion Philippines showed that 94% of Filipino Gen Zs see the importance of credit and lending products to reach their financial goals. Still, only 35% report having sufficient access to such products. 

“If you talk to any Filipino, there’s still significant frustration with the complexity, lack of transparency, and bureaucracy embedded in financial services. Only 8% of Filipinos own a credit card, largely because it is incredibly difficult to get one if you don’t already have one,” said Danielle Cojuangco Abraham, Zed co-founder. 

Complicated application processes, tedious documentation, and arbitrary underwriting methods are among the challenges that disproportionately impact young people when applying for their first credit card accounts. Those lucky to get approved face astronomical APRs, punitive fees, and a broken customer experience. These observations led to the creation of Zed, the first credit card for young Filipino professionals.

“We founded Zed on the belief that young people in the Philippines and Southeast Asia deserve better financial products, better technology, and ultimately better service tailored to their lifestyles and exceeding their expectations,” Danielle added.

Created by two Stanford engineers and Y-Combinator alumni, Zed is a credit-led neobank regulated by the Bangko Sentral ng Pilipinas (BSP). Its first offering is a Mastercard Titanium credit card that boasts no interest, no foreign transaction fees, no annual fees and is backed by a groundbreaking app – all of which makes it the ideal credit card for everyday spending, travel, utilities, and everything in between.

“As a technology company from day one, we don’t have to pay for costly overhead like physical branches or bloated headcounts for manual, back office processes. We’re able to pass these savings on to customers in the form of no revolving interest, no fees, and excellent customer service. We started Zed on the premise that you could build financial services where a customer’s success was a core value,” said Steve Abraham, Zed co-founder. 

“Our proprietary technology platform allows us to remove the pain in traditional banking, deliver powerful first-to-market features, and provide a fair and transparent cost structure where both Zed and the customer could win,” he added.

This sentiment and Zed's mission resonated with many Filipinos. The waitlist received almost 25,000 sign-ups within the first three weeks.

“Our business model is simple and purposely built to succeed only if our customers do. Our revenue comes from the interchange fee, a standard fee that gets charged to merchants by all banks for transactions that flow over the Mastercard network,” Steve explained.

First-in-market features tailored to the Gen Z lifestyle

Beyond no interest and no fees, the Zed card is backed by a robust and secure app that ensures that customers always have full and instant control of their expenses by giving them a real-time view of their transactions, the ability to set spending limits and access to fraud controls like the ability to lock/freeze a compromised card in the app.

Zed virtual card

Zed also puts a premium on user privacy and security by offering unlimited virtual cards: Users can generate unique credit card numbers to use with merchants so they never have to worry about their primary card details being exposed. Zed also provides zero liability for all unauthorized transactions and protects customers from paying for charges made without their permission.

In addition to these features, customers enjoy an effortless payment experience facilitated through the app, where they can generate an InstaPay QR code to instantly settle their monthly bill from any bank app or e-wallet, ensuring stress-free on-time payments. 

The streamlined application process also allows customers to complete the entire card application within minutes through the app, eliminating the need for cumbersome documentation or in-person visits to bank branches. 

Zed determines smart credit limits based on current and future income, rather than outdated credit scores, traditional career profiling, or existing card limits. This approach caters to young professionals with high incomes but limited credit histories.

“At Zed, we’re reimagining what a credit card could be – smarter underwriting, groundbreaking features, no fees, and a revenue model that doesn’t rely on a customer’s failure to pay down their balance,” said Danielle.

Learn more about Zed and hop on the waitlist by visiting zed.co.

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The New Architects of Tech: Three Female Leaders Creating a More Inclusive Industry


In an era of rapid technological advancement, women are challenging the status quo, redefining innovation, and promoting inclusivity in the industry. Their contributions, from research and development to leadership, demonstrate that women are essential drivers of technological progress and diversity.

According to a Boston Consulting Group study, only 35% of the tech workforce in the Philippines comprises women, despite having the highest number of women technology graduates in the Southeast Asia region (48%). The disparity of opportunity and gender-based discrimination in the workforce is still prevalent despite years of advancing the rights and welfare of women in a male-dominated sector—or perhaps in society. 

Amidst the challenges, these three leading ladies are helping forge a path for future female innovators to make their mark in the technology landscape.

Progression Towards a Digital Philippines

Emmy Lou Versoza-Delfin

Emmy Lou Versoza-Delfin, Director IV for ICT Industry Development Bureau at the Department of Information and Communications Technology, brings a fresh perspective on the role of government in accelerating the country's digital transformation. With 25 years of forwarding the local ICT industry, Delfin is at the forefront of initiatives to ensure that technology serves as a catalyst for empowerment and equal opportunity for all Filipinos, especially women in the tech sector. Some of these initiatives include promoting diversity in leadership, creating safe and inclusive workplaces, offering training and skill development programs, and opportunities for networking and community-building.

"As a woman leader supporting the tech industry, my motivation stems from the belief that diversity in leadership drives innovation and inclusivity in the digitalization process. The DICT and the local tech industry are actively taking steps to create a more inclusive environment for women. Overall, these efforts contribute to creating a more inclusive and supportive environment where women can thrive and contribute meaningfully to the advancement of technology and innovation," Delfin emphasized.

“Remember, you have the power to shape the future of technology and make a positive impact in the world. Keep pushing forward with determination, resilience, and confidence,” she added.

Leading in Innovation: The Path Forward

Rosemarie Ong

This evolving narrative of female leadership in technology serves as a bridge to similar progressions in adjacent sectors, illustrating that the momentum of change can happen anywhere. We witness a parallel beacon of female leadership in Rosemarie Ong, Senior Executive Vice President and Chief Operating Officer of Wilcon Depot Inc. Under Ong's stewardship, Wilcon Depot Inc. has embarked on an ambitious digital transformation journey, setting new standards in the retail and construction supply industry.

Recognizing the critical importance of keeping pace with technological trends, Ong has spearheaded initiatives such as the VR Store Experience and the development of MyWilconApp, which have revolutionized customers' interactions with Wilcon's vast product offerings. Ong's vision extends beyond enhancing customer experience; it's about creating a ripple effect of empowerment and inclusivity. "By investing in women, we foster an inclusive society—transforming the landscape of business competitiveness and productivity," she asserts.

An Inclusive and Thriving Workplace for Women

Atty. Aileen Regio

Historically dominated by male leadership, the tech sector is witnessing a remarkable shift towards gender inclusivity and diversity, thanks to visionaries like Atty. Aileen Regio, co-coordinator of Eastern Communications. With a steadfast belief in the power of innovation and the vital role of women in tech, Regio has been at the forefront of Eastern Communications' transformation. 

Her leadership during the challenging pandemic has not only steered the company towards embracing ICT solutions but has also showcased the indispensability of female leadership in driving technological advancement and organizational change. “Time has truly changed for the better. I want to encourage more women to take the lead and showcase their talents and capabilities,” she highlighted. 

At Eastern, Atty. Regio commits to be a transformative force not just in breaking barriers for women tech innovators, but also in spearheading innovation and adapting to the evolving digital era, “I firmly believed that embracing innovation was best for the company and would benefit our people.” Her seven years of visionary leadership have not only advanced Eastern Communications' position in the telecommunications industry but have also exemplified a broader movement towards inclusivity and progress.

Looking towards the future, Regio envisions a tech industry where women are not just well-represented but are steering the path toward innovation. "I dream that women in tech will thrive, driving innovation and leading change," she stated. With initiatives focused on diversity and gender equality, such as the full implementation of the Anti-Sexual Harassment Act and Safe Spaces Act in the workplace and equal capacity-building opportunities, Eastern Communications is committed to making this vision a reality, paving the way for a more inclusive and equitable tech landscape.

The technology industry is changing. Despite the challenges, there's a growing recognition of the need for gender equality and the invaluable contributions women bring to the tech scene. From leadership roles to groundbreaking innovations, women are proving indispensable in pushing the boundaries of what's possible in tech.

The message is clear: the future of technology is not just digital—it is unequivocally inclusive. As we navigate the complexities and competitive tech scene, women will thrive and leave their mark in the world. 

To learn more about Eastern Communications’ women-led programs and services, contact 5300-7000 or visit www.eastern.com.ph.

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