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AI-Driven Mobile Fraud Surges Ahead of Holiday Shopping Rush, Appdome Report Finds

Monday, December 1, 2025


Filipino consumers are heading into the peak holiday shopping period more anxious than ever, as new data from Appdome’s 2025 Consumer Expectations of Mobile App Security Report reveals a major spike in fears around AI-driven fraud. Synthetic identities, deepfake scams, and mobile account takeovers have now become the top reasons shoppers abandon mobile apps during Black Friday, Cyber Week, and the Christmas season.

Recent industry reports from NordLayer, SEON, and Kaspersky show fraud attempts surging between 22% and 400% during Cyber Week. Appdome’s consumer survey reflects this rising threat landscape:
  • 43.4% of Filipinos say identity fraud is their biggest concern when shopping on mobile.
  • 74.7% delete or avoid apps they believe are unsafe.
  • 34.1% claim they or someone they know has been targeted by social engineering scams.

With deep discounts, high-speed checkouts, and an influx of mobile payments, shoppers believe the 2025 holiday season is shaping up to be the most vulnerable yet.

“AI is changing the fraud landscape faster than mobile businesses can react,” said Tom Tovar, Co-Creator and CEO of Appdome. “Consumers want proof that apps can stop fraud before a holiday purchase is made, not after the damage is done.”

How AI Is Supercharging Holiday Fraud

This year, AI-assisted fraud has escalated through tactics such as deepfake payment confirmations, vishing, and bot-driven account takeovers—threats that are increasingly difficult for users to detect.

Key findings from the survey include:
  • 67.2% of Filipinos view AI as an opportunity, while 32.8% see it as a direct threat to their mobile safety.
  • 84.1% expect apps to block AI-powered dangers such as bots, deepfakes, impersonation attempts, and ATOs.
  • Only 60% feel confident that apps can actually protect them—revealing a wide trust gap during the busiest shopping season.

This growing “AI paradox” challenges mobile banking, e-commerce, fintech, travel, and delivery apps to provide strong, visible in-app protection as holiday transactions peak.

Filipino Shoppers Demand Fraud Prevention, Not Reimbursement

As the holiday sales push accelerates, consumers say security must happen in real time, not after the fact:
  • 86.7% expect fraud to be stopped before it occurs—not compensated afterward.
  • 45.9% believe responsibility lies with the mobile app maker, not the device, OS, or telco provider.
  • 70% consider privacy extremely important, and 15.2% refuse to use apps without clear privacy protections.

“Holiday shopping is when attackers strike hardest,” said Jamie Bertasi, Appdome’s Chief Customer Officer. “AI enables bad actors to mimic real users, hijack sessions, and trigger fake transactions. Protection inside the app is critical for safeguarding both customers and revenue.”

Why Mobile Apps Must Act Before Christmas Spending Peaks

Record-high mobile spending is expected between Black Friday and December 31, making apps primary targets:
  • Fast, high-volume transactions open the door to synthetic identity fraud.
  • Attackers use AI to scale mobile scams exponentially.
  • Consumer loyalty now depends strongly on visible, real-time protection.

Filipino shoppers say they’re more likely to support brands that actively protect them:
  • 27.6% would leave positive reviews for secure apps.
  • 24.7% would promote those apps on social media.

About the Report

Appdome’s 2025 Consumer Expectations of Mobile App Security Report analyzes emerging fraud threats and user expectations from respondents across the Philippines and global markets.

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EastWest Bank Launches Google Pay in the Philippines: Faster, Safer, and Smarter Payments for Filipinos

 

Filipinos are embracing digital payments more than ever, especially with today’s fast-paced lifestyle. Whether you're buying coffee, booking a ride, or shopping online, tap-to-pay convenience has become the new norm. Now, EastWest is making cashless living even easier. The bank is officially one of the first in the Philippines to bring Google Pay™ to its cardholders, giving Android users a faster, safer, and smarter way to complete everyday transactions.

EastWest Joins Google Pay: A Big Win for Mobile Wallet Users

In a major push toward digital innovation, EastWest is rolling out Google Pay™ for its Visa and Mastercard Credit cards. With this new feature, customers can simply add their cards to Google Wallet™ on their Android devices, then enjoy secure tap-to-pay transactions at contactless terminals or seamless online checkouts without having to type card details.

It’s a convenient upgrade for Filipinos who want to ditch physical cards and pay with just their phone or smartwatch.

Advanced Security Through Tokenization

For many, online and mobile payments come with one big question: Is it safe?

EastWest ensures that every Google Pay transaction is protected through tokenization, a security feature that replaces real card numbers with encrypted digital codes. This means merchants never see your actual card information — minimizing risks and giving users peace of mind every time they tap or check out online.

EastWest CEO Jerry G. Ngo emphasized that their goal has always been to simplify life through technology. He shared that with Google Pay, the bank is empowering cardholders to make secure transactions anytime and anywhere, calling it “the easier way to pay.”

Strengthening EastWest’s Lead in Digital Payments

The bank has already made waves with its own EWPay contactless platform, and now it further solidifies its role as a frontrunner in the digital payments space by going live on Google Pay ahead of several major industry players.

Google Philippines Country Manager Prep Palacios applauded the move, highlighting that Google’s partnership with EastWest supports the nation’s digital transformation and financial inclusion goals.

How to Use Google Pay with Your EastWest Card

Getting started is simple:
  1. Open Google Wallet™ on any compatible Android device
  2. Add your EastWest Visa or Mastercard Credit card
  3. Start shopping using tap-to-pay or online checkout

EastWest also confirmed that support for Visa Debit cards is coming soon.

What This Means for Filipino Consumers

More than just convenience, Google Pay signifies a shift toward smarter, more secure digital banking. It makes everyday transactions easier, reduces reliance on physical cards, and supports the Philippines’ growing cashless culture. For Filipinos who want speed, safety, and modern payment options, this is a welcome upgrade.

If you're an EastWest cardholder, now’s the perfect time to try Google Pay and experience the ease of tap-to-pay shopping. With more digital innovations on the way, EastWest is shaping up to be one of the most forward-thinking banks in the country.
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Couchbase Mobile Brings Major Advancements for AI-Powered Applications at the Edge

Wednesday, November 19, 2025


New JavaScript Support, Enhanced Peer-to-Peer Sync, and Multi-Region Resilience Reduce Integration Complexity and Downtime Risk for Mobile AI Apps in Disconnected Environments

Couchbase, Inc., the developer data platform powering mission-critical applications in the AI era, today announced major updates to its Couchbase Mobile platform, enabling AI-powered applications to run seamlessly on devices at the disconnected edge.

The platform’s new JavaScript support for Couchbase Lite allows the embedded database to operate in any web browser, delivering a universal client capable of running offline-first web applications and synchronizing data across web, mobile, desktop, and custom hardware environments. Enhancements to peer-to-peer (P2P) synchronization include device auto-discovery, mesh support that adapts as users join or leave networks, and network auto-switching capabilities, ensuring uninterrupted collaboration even in offline or dynamic network conditions. Additionally, improvements to deployment resilience and failover mechanisms help ensure applications remain fast, available, and reliable regardless of internet connectivity.

“Building AI-powered applications at the edge requires delivering fast, personalized, and always-on experiences even in completely disconnected environments,” said Matt McDonough, SVP of Product at Couchbase. “These updates to Couchbase Mobile empower developers to build and ship applications faster while ensuring uninterrupted uptime. While other vendors are scaling back mobile support due to complexity, Couchbase is expanding mobile and edge capabilities, now including browser-based JavaScript apps.”

Always-On Applications Enable Business Continuity

As AI applications increasingly run on edge devices with intermittent connectivity, cloud-only solutions often fall short. Forrester reports that nearly half of enterprise IT professionals view edge technology adoption as a top priority, underscoring the need for reliable mobile experiences in disconnected environments. Couchbase Mobile addresses this by enabling AI applications to synchronize data between edge devices even in internet dead zones while automatically adapting to changing network conditions.

Global retailer Aptos relies on Couchbase to power its cloud-native point-of-sale (POS) system. Using Couchbase Capella™, Aptos ONE delivers seamless transactions beyond traditional checkout counters. “Reliable synchronization from cloud to retail devices is critical for our customers,” said John Carney, VP and Head of Architecture at Aptos. “Couchbase Mobile’s P2P replication allows us to deliver always-on experiences with lower total cost of ownership. Capella alone reduced our infrastructure footprint from 12 deployments with over 100 nodes to a single deployment with 31 nodes, saving over $1 million annually.”

Unified Platform Reduces Complexity and Risk

Organizations building AI applications face trade-offs: cloud-only databases require constant internet access, while mobile-only embedded databases demand costly custom integrations. Couchbase Mobile eliminates these challenges with a unified solution that seamlessly syncs data from cloud to edge to device to web. 

Key features include:

Couchbase Lite for JavaScript – Embed Couchbase Lite in browser-based web apps for offline-first experiences. Local data processing ensures faster, more secure, and always-available applications that synchronize seamlessly with Capella App Services and Sync Gateway.

Enhanced Peer-to-Peer Sync – Automatic device discovery, adaptive mesh networking, and upcoming network auto-switching simplify P2P integration for iOS and Android, reducing implementation code from dozens of lines to around five.

XDCR and Multi-Cluster Resilience – Cross-data center replication in Capella App Services and Sync Gateway 4.0 provides zero-downtime disaster recovery, seamless failover, and mobile user migration across clusters for maximum uptime.

Couchbase Edge Server – A lightweight database server for resource-constrained environments, designed to power applications in isolated locations like airplanes, warehouses, retail stores, and restaurants.

Couchbase Mobile is available now. Learn more about delivering offline-first AI applications at www.couchbase.com.
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Why Southeast Asia CIOs Are Turning to Low-Code and AI for Faster Digital Growth

Monday, November 17, 2025

 

Southeast Asia is moving at lightning speed when it comes to digital transformation, and a new report from Kissflow reveals exactly how CIOs are making it happen. With businesses racing to modernize, governments pushing digital-first initiatives, and consumers expecting smoother online experiences, the region is now leaning heavily on AI-powered low-code platforms to get things done faster.

For Filipino companies especially those balancing limited tech talent with rising digital demands this shift offers a massive opportunity.

A Digital Economy Growing Toward US$1 Trillion

According to Kissflow’s CIO Low-Code Strategy Pulse Report 2025, ASEAN’s digital economy is projected to skyrocket from US$300 billion to as much as US$1 trillion by 2030. A big driver of that growth is AI, which is expected to contribute 13%–18% to the region’s GDP by the end of the decade.

But there’s a challenge: ICT talent across Southeast Asia can’t keep up with the pace of transformation.


The report shows:
  • 86% of CIOs worldwide now rely on low-code tools to build and deliver applications faster
  • Many organizations are struggling with growing IT backlogs
  • Over 55% of CIOs believe AI will dramatically increase the number of apps created

This paints a clear picture: while digital ambitions are rising, the region needs more efficient, scalable ways to build technology.

Low-Code + AI: The New Formula for Faster Innovation

Kissflow notes a major shift taking place not just in tech departments but across entire organizations.

A Tool for Solving Talent Shortages

Low-code platforms allow teams to build applications without deep programming skills. When combined with AI, development becomes even faster and smarter.

Kissflow’s APAC AVP, Rakesh Nandakumar, put it simply:

Southeast Asia is at the digital frontier, and low-code + AI gives CIOs the boost they need to innovate quickly without waiting for a larger tech workforce.

Key Highlights for Southeast Asia

1. Strong Adoption in Banking, Government, and Logistics

Industries with multi-branch operations, strict compliance requirements, and high customer demand are moving away from traditional development. Low-code tools help them respond faster and modernize more efficiently.

2. Business Teams Are Now Building Apps Too

Kissflow’s data shows that operations (33%), finance (25%), and HR (23%) departments are already creating applications using no-code tools with minimal IT help.

This rise of citizen developers signals a shift toward business-led innovation where teams closest to the work can quickly build what they need.

3. AI as a Key Factor in Buying Decisions

Today, 34% of CIOs consider AI capabilities essential when choosing a low-code platform. AI is no longer just a nice-to-have it’s becoming a major competitive advantage, especially for organizations operating in multiple countries with localized compliance needs.

4. A Strategic Solution for Regional Growth

Southeast Asian businesses now view low-code as a core strategy. It enables them to launch new services faster and empower their workforce to keep up as the region’s digital transformation accelerates.

Kissflow’s Influence in APAC and the Philippines

Kissflow stands out as a unified platform offering both no-code and low-code capabilities:
  • No-code for business teams to automate processes
  • Low-code for IT teams to build full business applications
  • Built-in integration, reporting, and lightweight BI modules

Some major APAC organizations relying on Kissflow include True Corporation, Bank of the Philippines, and SCG International.

A notable Philippine success story is SN Aboitiz Power Group (SNAP), which saw a 451% ROI after deploying Kissflow’s low-code platform to streamline workflows and develop over 100 applications. The achievement earned them the ROI Award 2025 from Nucleus Research.

Recognized by Gartner, Forrester, and G2, Kissflow remains a leader in low-code and no-code solutions globally.

As Southeast Asia races toward a trillion-dollar digital economy, low-code and AI are becoming essential tools not just for tech giants, but for any organization that wants to stay competitive. For Filipino businesses navigating tech talent gaps and growing digital expectations, platforms like Kissflow offer a powerful way to innovate quickly and efficiently.

Whether you’re in banking, logistics, government, or even SMEs, embracing low-code may be your next big leap into the future.
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World’s First Rel-19 5G-Advanced NTN Test Achieved

Thursday, November 13, 2025


A breakthrough that pushes satellite-powered 5G closer to everyday use

In a landmark achievement for satellite communications, the European Space Agency (ESA), MediaTek, Eutelsat, Airbus, Sharp, ITRI, and Rohde & Schwarz have successfully completed the world’s first 5G-Advanced (Rel-19) Non-Terrestrial Network (NR-NTN) connection using Eutelsat’s OneWeb low Earth orbit (LEO) satellites.

This milestone marks a major step toward integrating satellites with terrestrial 5G networks, opening doors for global connectivity solutions that can reach even the most remote regions.

A Successful Rel-19 NR-NTN Trial Over OneWeb LEO Satellites

The collaborative test used OneWeb’s LEO constellation in combination with MediaTek’s NR-NTN chipset, ITRI’s NR-NTN gNB, and Sharp’s newly developed flat-panel antenna. The system implemented key 3GPP Release 19 specifications, including:
  • Ku-band operations
  • 50MHz channel bandwidth
  • Conditional handover (CHO)
  • End-to-end connection to a 5G core

The OneWeb satellites built by Airbus Defence and Space feature transparent transponders with Ku-band service links and Ka-band feeder links, operating with “Earth-moving beams” for improved global coverage.

During the live test, the NTN terminal successfully linked to the ground 5G system through the gateway antenna at ESA’s European Space Research and Technology Centre (ESTEC) in The Netherlands.

A Path to Universal 5G Connectivity

The demonstration shows how future devices will be able to switch seamlessly between terrestrial networks and satellite signals, ensuring reliable coverage wherever users go. With global 3GPP standards now supporting NTN capability, satellite broadband can become more cost-efficient, scalable, and widely available  expanding possibilities for smartphones, vehicles, IoT devices, and critical infrastructure.

ESA noted that the success of this trial highlights the importance of joint innovation. David Phillips of ESA emphasized that partnerships like this strengthen Europe’s competitiveness and help accelerate next-generation connectivity solutions.

Industry Leaders React to the Breakthrough

MediaTek highlighted its mission to deliver connectivity where cellular networks are limited, calling the successful real-world test an important step toward commercial NTN broadband.

Eutelsat shared pride in being the first satellite operator to enable NR-NTN broadband over Ku-band LEO satellites, pointing to the strong value of cross-industry collaboration in shaping the future of satellite-enabled 5G.

Airbus emphasized the adaptability of its OneWeb satellites and celebrated the milestone as a major leap toward seamless global broadband for 5G devices.

Sharp called the success a significant step toward real-world NTN deployment and noted its commitment to advancing worldwide communications infrastructure.

ITRI reiterated the potential of NR-NTN technology to deliver ubiquitous coverage and expressed readiness to support emerging NTN opportunities through continued innovation.

Finally, Rohde & Schwarz highlighted its testing solutions that enabled rigorous NTN channel measurements, paving the way for commercial 5G-Advanced NTN devices.

The Future of Connectivity Is Hybrid

This breakthrough demonstrates how close the world is to achieving fully integrated 5G and satellite systems. As more constellations and chipsets adopt 3GPP NTN standards, users will gain access to resilient connectivity  no matter where they live or travel.

For industries and communities in hard-to-reach locations, this could redefine what it means to stay connected.
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ASEAN Data Science Explorers 2025 Empowers Youth Innovators

Tuesday, November 4, 2025


Filipino and ASEAN youth showcase tech-powered solutions for a sustainable, competitive region

In today’s digital era, data is more than just numbers — it’s power. And for hundreds of young changemakers across Southeast Asia, it’s also a tool to solve some of the region’s most pressing problems.

Held in Kuala Lumpur, Malaysia, the ASEAN Data Science Explorers (ASEAN DSE) 2025 Regional Finals brought together the brightest students from 10 ASEAN Member States. Organized by the ASEAN Foundation in collaboration with SAP, the event marked the ninth year of this regional competition that challenges students to turn data into actionable insights supporting the United Nations Sustainable Development Goals (SDGs).

Data-Driven Ideas for Real-World Impact

Using the SAP Analytics Cloud, the finalists presented innovative projects tackling issues such as hunger, sanitation, sustainable cities, and climate action.

The top honor went to Team DataMinions from Lao PDR, whose project Namjai Smart Water Tank detects harmful substances in water and alerts communities and authorities to ensure clean, safe water access. Their innovation aims to address water quality issues across Lao PDR, Cambodia, and the Philippines.

Meanwhile, Team Mamamamoodeng from Thailand and Team MyKXLab from Malaysia secured the first and second runner-up spots, respectively.

“Seeing other teams’ projects was so inspiring,” shared Palinya Sengdalavong and Kounlasatty Manivong of Team DataMinions. “This experience encouraged us to keep improving and create a lasting impact for the ASEAN community.”

Filipino Finalists Spotlight the Water Crisis

Representing the Philippines, Team Sharksfin composed of Lizzie Annika Montemayor and Val Allen Eltagonde from Ateneo de Manila University tackled the region’s growing water crisis with their project HydroLink.

The system integrates a groundwater monitoring device with a mobile app and centralized dashboard, helping communities track water quality in real time.

“In areas like Panglao and Los Baños, residents face salinity and bacterial contamination in drinking water,” the team explained. “With HydroLink, we hope to transform a last-mile crisis into a first-mile opportunity for data generation and community empowerment.”

Bridging the Digital Skills Gap in ASEAN

The ASEAN DSE program addresses an urgent challenge: preparing the region’s youth for a data-driven global economy.

A 2022 ASEAN Foundation and Google study revealed that over 72% of underserved youth in ASEAN lack advanced digital skills, even as demand for data-savvy professionals rises. Through workshops and competitions, ASEAN DSE empowers young people especially those from underserved communities  to build technical skills, creativity, and confidence in solving regional challenges.

Since its inception in 2017, ASEAN DSE has reached over 111,000 youths and 3,300 educators, with 55% of participants being women  highlighting the program’s commitment to inclusivity and equality in tech.

Leaders Champion Digital Readiness

Supported by the Ministry of Education Malaysia under the ASEAN Chairmanship 2025, this year’s regional finals emphasized the importance of digital literacy for sustainable growth.

“The ASEAN DSE programme shows how collaboration can drive innovation and equip youth with future-ready skills,” said Dr. Mohd. Azam Ahmad, Director General of the Ministry of Education Malaysia. “It aligns with Malaysia’s Education Blueprint and prepares our young people to thrive in a digitally connected world.”

Echoing this, Dr. Piti Srisangnam, Executive Director of the ASEAN Foundation, described the initiative as a cornerstone in youth empowerment.

“By providing digital tools and data skills, we enable young talents to innovate and contribute to ASEAN’s development,” he said.

Liher Urbizu, President and Managing Director of SAP Southeast Asia, added:

“Our collaboration with ASEAN Foundation reinforces SAP’s mission to empower the next generation with entrepreneurial and digital skills that can drive positive change.”

The Future Is Data-Driven and Youth-Led

The ASEAN DSE 2025 Regional Finals prove that the youth aren’t just future leaders, they’re already shaping solutions today. From fighting climate change to solving water crises, these students are turning insights into impact, data into development, and dreams into action.

For Filipino youth, it’s a reminder that the power to create change lies in curiosity, creativity, and collaboration with data as their strongest ally.
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Couchbase 8.0 Launches Unified AI Data Platform


A unified, high-speed data platform designed for AI innovation and scalability

Artificial intelligence (AI) continues to transform the way we work, create, and connect—and now, Couchbase 8.0 is helping developers take those innovations even further. The latest version of the developer data platform officially brings end-to-end AI lifecycle support to enterprises, empowering them to build fast, reliable, and scalable AI-driven applications at a lower cost.

Whether for startups exploring AI chatbots or enterprises deploying agentic systems, Couchbase 8.0 delivers what today’s developers need most: speed, precision, and flexibility.

Why Couchbase 8.0 Matters for AI Development

According to Couchbase, the new release introduces three powerful vector indexing and retrieval technologies that make it easier for developers to manage massive AI data workloads in real time. These include:

Hyperscale Vector Index (HVI): Built for billion-scale datasets, this index delivers lightning-fast vector searches with millisecond latency.

Composite Vector Index: Allows pre-filtered queries to refine vector searches for more targeted, contextual results.

Search Vector Index: Supports hybrid searches combining vector, text, and structured data in a single query.

These features make Couchbase a unified data platform capable of managing structured and unstructured information—a crucial advantage for real-time, context-aware AI applications.

Proven Billion-Scale Performance

Independent benchmark tests revealed that Couchbase’s Hyperscale Vector Index can handle massive datasets without sacrificing accuracy or speed.

Performance test: Up to 19,057 queries per second (QPS) with 28ms latency and 66% recall accuracy

Accuracy test: Over 700 QPS at 93% recall accuracy with sub-second response times

Compared to a leading cloud database competitor, Couchbase performed 3,100x faster in speed tests and 350x more efficient in accuracy tests, showcasing its unparalleled scalability for large-scale AI workloads.

“Scaling AI requires a developer platform built for speed and reliability,” said Matt McDonough, SVP of Product at Couchbase. “With end-to-end RAG workflows and our Hyperscale Vector Indexing, Couchbase helps organizations create trustworthy, high-performance AI systems while keeping costs low.”

Enhanced Security for Enterprise-Grade AI

Security remains a top concern for enterprises embracing AI. Couchbase 8.0 directly addresses this by introducing native data-at-rest encryption (DARE) and Key Management Interoperability Protocol (KMIP) support  ensuring that sensitive data remains safe, encrypted, and compliant across environments.

It also strengthens cross data center replication (XDCR) for improved reliability and disaster recovery, ensuring that even globally distributed businesses can meet data residency requirements while maintaining performance and uptime.

Simplifying AI Development for All Skill Levels

Couchbase 8.0 isn’t just for seasoned developers, it’s built to help teams of all skill levels create AI applications efficiently.

Developers can now use natural language queries (instead of complex SQL++ code) to interact with data, making the platform more accessible. Additional tools such as query workload repositories and user-defined search synonyms further enhance productivity and troubleshooting.

“By simplifying complex data architectures and integrating vector capabilities, Couchbase makes AI development faster and more accessible,” said Kate Holterhoff, Senior Analyst at RedMonk.

AI Development, Reimagined

As the Philippines continues to grow its digital economy, Couchbase 8.0 arrives at the perfect time. From AI-driven customer service to predictive analytics and creative automation, this unified data platform gives Filipino developers and enterprises the tools to scale innovation confidently.

If you’re building the next big AI solution or want to streamline your data infrastructure, Couchbase 8.0 might just be the secret weapon your development team has been waiting for.

Try it today at www.couchbase.com.
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How Data Sharing Strengthens Fraud Defense in the Philippines

Friday, October 17, 2025


CIBI champions collective action against rising digital fraud with the launch of the CIBI Fraud Bureau

As cyberattacks grow more sophisticated, the Philippine financial sector faces an urgent challenge: staying one step ahead of fraud. According to the Bangko Sentral ng Pilipinas (BSP), cybercrimes cost local financial institutions a staggering ₱5.82 billion in 2024, a sharp rise from the year before.

This alarming figure highlights how rapidly scammers are evolving from identity theft and phishing to AI-powered deepfakes and why traditional, isolated systems can no longer keep up.

“Fraud is no longer a challenge we can face in silos,” said Edith Roberto, CIBI’s Head of Individual Credit Solutions and Partnerships. “We must shift to a proactive, collaborative approach through data sharing, to prevent scammers from exploiting the gaps in a fragmented system.”

From Fragmented Defense to Unified Protection

When institutions operate independently, fraudsters can easily exploit the gaps. For instance, a scammer blacklisted by one bank could still apply for loans or open accounts elsewhere without detection.

Data sharing changes that. By pooling verified information on suspicious activities, banks, fintech companies, and other industries can create a collective defense network—one that detects fraud faster, reduces losses, and protects customers before scams progress.

This unified approach offers two key advantages:

Real-time fraud detection – Shared data enables institutions to spot new patterns and respond quickly.

Faster recovery rates – With interconnected systems, financial institutions can block fraudulent transactions before they escalate.

“Fraud prevention strategies must evolve from reaction to prevention,” explained Pia Arellano, CIBI President and CEO. “Fraud will continue to evolve, but our defense must evolve faster.”

Introducing the CIBI Fraud Bureau

To turn collaboration into action, CIBI Information Inc. has launched the CIBI Fraud Bureau, a groundbreaking data-sharing platform that unites traditional banks, fintech firms, telcos, and other industries in the fight against fraud.

Participants share verified records of confirmed and suspicious fraudsters, allowing members to cross-check applications instantly. If an individual has been flagged by another institution, the system alerts the member before any transaction is approved.

This model works on data reciprocity. Participants must contribute data to gain access to the shared information. This ensures that the database continuously grows, strengthening the country’s fraud defenses. All data sharing adheres strictly to data privacy laws and BSP regulations, maintaining full compliance and security.

Building a Safer, More Connected Financial System

The CIBI Fraud Bureau aligns with the BSP’s mission to curb fraudulent activity through cooperation and innovation. By breaking down barriers between financial institutions, the initiative supports the long-term goal of financial inclusion and consumer protection.

Ultimately, this effort marks a step toward a safer, more resilient financial ecosystem—one built on trust, transparency, and shared vigilance.

For more information, visit www.cibi.com.ph.
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Alipay+ Expands Global Payments, Powers Inclusive Travel Growth

Thursday, October 16, 2025


Mobile wallets are redefining how travelers explore, spend, and connect worldwide

As global travel bounces back stronger than ever, Alipay+—the cross-border payments and digital ecosystem by Ant International—is revolutionizing the way travelers pay and experience the world. With its expanded acceptance in over 100 countries and regions, Alipay+ is now connecting merchants to 1.8 billion users across 40 international payment partners.

In the first half of 2025 alone, more than 6.5 million travelers used Alipay+ cross-border payments for the first time, opening up new opportunities for small and medium enterprises (SMEs) across the globe.

Empowering the travel ecosystem with AI and innovation

Alipay+ isn’t just about making payments—it’s about enhancing travel through smarter digital services. The platform recently rolled out new tools designed to make travel seamless, efficient, and more rewarding for both merchants and consumers:

  • Alipay+ Voyager – a built-in AI travel assistant that integrates with Trip.com, Agoda, and Grab for smarter trip planning.
  • Alipay+ GenAI Cockpit – an AI-as-a-Service solution that helps partner wallets create AI-powered customer experiences.
  • Expanded in-app tax refunds with Global Blue, providing a fully digital and convenient experience for travelers.

“Travel has a significant impact on local economies, and mobile wallets can be a catalyst for growth,” said Douglas Feagin, President of Ant International. “Through AI-powered payments and digital services, Alipay+ helps businesses and travelers connect in more meaningful ways of creating a future of travel built on convenience, inclusivity, and collaboration.”

Mobile payments driving inclusive global growth

As more travelers rely on their home-based e-wallets abroad, Alipay+ reports a 30% increase in transactions across online travel agents and in-store merchants. The expansion of standardized national QR code systems has nearly doubled transactions in emerging destinations, allowing small businesses from Malaysia to Cambodia to benefit from tourism growth.

By connecting more travelers to local merchants, Alipay+ is helping communities gain from tourism’s resurgence while making spending abroad as easy as paying at home.

Short-haul and value-driven travel on the rise

The post-pandemic traveler is looking for value, convenience, and local flavor. Data from Alipay+ shows that intra-Asia travel is driving much of 2025’s global tourism surge, with transactions across Southeast Asia increasing by 32% year-on-year.

Travellers are also embracing smaller purchases and local experiences, with transactions under USD 10 rising by 37% and A+ Rewards coupon redemptions jumping 57%.

Interestingly, while classic European destinations like France and Italy remain popular, travelers are venturing to lesser-known spots such as Hungary, Greece, and Norway proving that adventure and value can go hand in hand.

Travel experiences go beyond shopping and dining

Today’s tourists are spending on more than just souvenirs. Alipay+ reports a surge in beauty, wellness, education, and healthcare-related transactions, including a 115% jump in K-beauty purchases in South Korea.

With ride-hailing and public transport transactions nearly doubling, Alipay+ is also empowering travelers to explore off-the-beaten-path destinations from Semporna in Malaysia to Ayutthaya in Thailand with ease and confidence.

A seamless future for travelers and merchants

As mobile wallets continue to evolve, Alipay+ envisions a world where travel, technology, and inclusivity meet. By bridging merchants, fintech partners, and travelers through its unified platform, Alipay+ helps build a smarter and more connected global travel ecosystem one QR scan at a time.
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SN Aboitiz Power Group Achieves 451% ROI with Kissflow’s Low-Code Platform

Monday, October 6, 2025


How a leading renewable energy firm in the Philippines accelerated digital innovation with Kissflow’s enterprise platform

In a strong testament to the power of digital transformation, SN Aboitiz Power Group (SNAP) achieved a remarkable 451% return on investment (ROI) after adopting the Kissflow low-code platform to automate and modernize business processes across its operations.

The results come from an independent study conducted by Nucleus Research, which also named SNAP a recipient of its ROI Award 2025, recognizing organizations that deliver exceptional financial and operational gains through technology.

A digital leap powered by low-code innovation

Within just 2.8 months, SNAP recovered its investment in Kissflow by rapidly digitizing workflows and retiring outdated in-house systems. The company developed more than 114 custom applications across HR, operations, and IT service management — a move that replaced legacy systems and improved cross-department efficiency by up to 10%.

By training 19 citizen developers to build and manage workflows internally, SNAP empowered its workforce to take ownership of innovation without adding pressure on IT teams.

“Kissflow offers us powerful integration capabilities, enabling smooth connections with other systems and data sources for enhanced workflow automation,” said Maria Theresa Cabigon, Chief Information Officer of SN Aboitiz Power Group.

Driving measurable results and operational excellence

According to Nucleus Research, SNAP’s adoption of Kissflow led to:

  • 451% ROI with a 2.8-month payback period
  • $61,000 in annual savings from retiring legacy systems
  • 5–10% efficiency gains in HR and O&M processes
  • 19 citizen developers trained for in-house innovation
  • 114+ business apps built to automate critical functions

The shift to a unified low-code environment allowed SNAP to align with its enterprise architecture roadmap, reduce IT dependency, and achieve scalable, secure digital transformation — all while maintaining agility in an evolving energy landscape.

Empowering enterprises to scale transformation

“SNAP’s success underscores how organizations can accelerate transformation and unlock extraordinary ROI through Kissflow’s platform,” said Rakesh Nandakumar, Associate Vice President for APAC at Kissflow. “This is what happens when technology meets empowerment — when employees are given tools to innovate faster and smarter.”

Kissflow’s unified platform combines no-code and low-code capabilities, giving both business users and IT teams the flexibility to automate processes, integrate data sources, and build scalable digital solutions. Its global clients include Pepsi, Danone, Motorola Solutions, and McDermott, among others.

About SN Aboitiz Power Group

SNAP is a leading renewable energy producer and developer in the Philippines, operating hydroelectric power plants in Benguet, Isabela, and Ifugao, as well as the Magat battery energy storage facility. It is a joint venture between Scatec and Aboitiz Renewables, Inc. (ARI).

About Kissflow

Kissflow is a pioneer in the low-code/no-code digital operations space, empowering enterprises to automate workflows and drive innovation with speed and scalability. Recognized by Gartner, Forrester, and G2, Kissflow continues to redefine how businesses build and manage digital solutions. Learn more at kissflow.com.

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Palo Alto Networks Warns: 36% of Cyber Incidents Start with Human Error

Sunday, October 5, 2025


Cybercriminals are no longer just hacking systems — they’re hacking people.

The latest 2025 Unit 42 Global Incident Response Report: Social Engineering Edition from Palo Alto Networks reveals an alarming trend in the world of cybersecurity: attackers are now focusing less on breaking through technology, and more on exploiting human trust.

According to the report, 36% of cyber incidents handled between May 2024 and May 2025 began with some form of social engineering — tactics designed to trick individuals into giving up access or sensitive data.

Social Engineering: The New Frontline of Cybercrime

While phishing remains a well-known threat, Palo Alto Networks’ research shows that attackers are getting creative. Over a third of all social engineering cases now use non-phishing methods, including SEO poisoning, fake system prompts, and help desk manipulation — all designed to mislead users into compromising their own devices.

The report outlines two major types of attacks emerging in 2025:

Targeted and high-touch compromises – where attackers impersonate employees or manipulate help desks using stolen identity data and even real-time voice lures.

Broad, at-scale deception campaigns – such as ClickFix, fake browser updates, and malicious search results that reach users en masse.

The Alarming Numbers Behind the Trend

  • 13% of critical alerts were either missed or incorrectly classified, giving hackers time to exploit weak points in identity recovery workflows and internal systems.
  • Over 50% of incidents led to data exposure or operational disruptions, resulting in lost productivity and financial strain.
  • Generative AI has accelerated the sophistication of these attacks, with 23% involving voice or callback techniques.
  • A staggering 93% of cases were financially motivated, showing that human-centered attacks remain a low-cost, high-reward tactic.
  • Top targeted industries include manufacturing (15%), professional/legal services (11%), wholesale/retail (10%), and financial services (10%).

The Philippine Context: A Growing Need for Cyber Awareness

Here in the Philippines, issues such as identity-related fraud, illegal access, and data interference remain widespread. These threats are often powered by the same social engineering tactics described in the report.

The National Cybersecurity Plan 2023–2028 continues to address these risks through enhanced response teams, incident protocols, and nationwide awareness programs — but experts say awareness alone isn’t enough.

“The biggest vulnerability in cybersecurity isn’t the technology itself — it’s trust,” said Philippa Cogswell, Vice President and Managing Partner for Unit 42, Asia-Pacific & Japan. She explained that attackers now use AI to scale deception, exploiting gaps in identity management and human behavior.

“To truly protect organizations, we need to build resilience that safeguards not just systems, but people and processes as well,” she added.

How Organizations Can Build Cyber Resilience

The Unit 42 report emphasizes that companies should move beyond awareness campaigns and invest in systemic resilience. Key recommendations include:

Strengthen identity security – Use identity-based analytics and ITDR (Identity Threat Detection and Response) to flag abnormal logins or MFA misuse.

Adopt Zero Trust access – Limit privileges, apply conditional access, and segment networks to prevent lateral attacks.

Secure human workflows – Train frontline teams to recognize impersonation, pretexting, and voice-based scams, especially in help desk and identity recovery processes.

Expand monitoring beyond email – Keep an eye on browsers, DNS activity, and collaboration platforms to detect fake prompts and SEO traps before they spread.


Protecting People as Much as Systems

As digital threats evolve, it’s clear that cybersecurity is no longer just an IT issue — it’s a human issue. For Filipino businesses, this means training employees, enforcing secure access, and partnering with cybersecurity experts to stay ahead of modern threats.

To learn more, you can download the full report from Palo Alto Networks’ Unit 42:

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DBM Adopts Blockchain for Transparent Government Budget


Blockchain Enters the Philippine Government: A Game-Changer for Transparency

The Department of Budget and Management (DBM) just made history by integrating blockchain technology into the government’s budgeting process—a bold move that could redefine how public funds are tracked and trusted in the Philippines.

In an era when Filipinos demand greater transparency and accountability, this innovation promises to make every peso traceable and verifiable. Gone are the days when budget documents could be easily lost, delayed, or questioned—thanks to a tamper-proof, blockchain-backed system that ensures every transaction is recorded and protected.

As DBM Undersecretary Goddes Hope “Sasa” Libiran emphasized, blockchain isn’t just a tech trend—it’s a governance tool that reinforces public trust.

Libiran noted that blockchain enables every transaction to be transparent and verifiable, ensuring citizens can confidently track how public funds are managed.

A First for Asia: Blockchain-Backed Budget Transparency

While many industries—from crypto to logistics—have already embraced blockchain, the DBM’s adoption marks one of Asia’s first large-scale government implementations. This milestone positions the Philippines as a regional trailblazer in digital governance, inspiring other nations to follow suit.

The DBM’s new production portal, blockchain.dbm.gov.ph, now records Special Allotment Release Orders (SAROs) and Notices of Cash Allocation (NCAs) as blockchain-verified entries. Through partnerships with BayaniChain and ExakIT Services, this platform makes budget documents tamper-proof while letting the public view how funds are authorized and released—marking a new era of budget transparency and accountability.

Filipino Innovation: BayaniChain and ExakIT at the Core

According to BayaniChain CEO Paul Soliman, this project showcases how homegrown Filipino tech talent can contribute to national progress.


Soliman explained that by combining blockchain with artificial intelligence, BayaniChain aims to strengthen public finance security and prove how advanced technologies can help safeguard critical systems.

The process starts with the Action Document Releasing System (ADRS), which generates official budget documents. These are then secured using BayaniChain’s Lumen Blockchain-as-a-Service platform, developed with ExakIT.

To ensure privacy, the Prismo Protocol filters which details are public and which remain confidential. Approved SAROs and NCAs are stored as NFTs on the Polygon blockchain, protecting them from tampering or forgery—an effective safeguard against document fraud or deepfake attempts.

Empowering Citizens with Accessible Data

Starting from 2024, citizens can easily verify documents by scanning a QR code or searching online using document details such as department or agency name. This open-access system aligns with the DBM’s long-term goal: a citizen-first digital finance ecosystem where every stage of the budget—from planning to auditing—is traceable and transparent.

The Future: AI + Blockchain for Smarter Governance

The DBM envisions an even more integrated system where blockchain and AI work together to detect anomalies, forecast fiscal needs, and improve decision-making. These tools will not only boost accountability but also promote efficiency in the use of public funds.

As Libiran put it, this initiative is about more than digitizing documents—it’s about building the next generation of public finance systems rooted in transparency, technology, and trust.

A Step Toward Digital Democracy

The Philippines is proving that governance can evolve with the times. With blockchain and AI paving the way, the DBM’s leadership sets a precedent for open, trustworthy, and citizen-driven public service—a strong message that government innovation is no longer a dream but a reality.

This initiative is a huge win for transparency advocates and tech-savvy Filipinos alike. If successfully implemented, it could inspire a wave of digital transformation across other government agencies.
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C&E ALS Showcases Future of Learning at MIBF 2025

Monday, September 29, 2025

 

The Manila International Book Fair (MIBF) isn’t just about books anymore—it’s about reimagining the way Filipinos learn. At MIBF 2025, C&E Adaptive Learning Solutions (C&E ALS) wowed visitors with its “C&E ALS University” exhibit, a vibrant showcase that fused tradition with cutting-edge technology to demonstrate what the future of learning could look like in the Philippines.

A Booth That Felt Like a Real Campus

Dubbed the “Campus of the Future,” the booth at SMX Convention Center stood out immediately. Its curved walls symbolized adaptability, while green design accents reflected the energy of campus life. Walking through its sleek archways felt less like entering an exhibition space and more like stepping into tomorrow’s classrooms and libraries.

As COO John Emyl G. Eugenio explained, the goal wasn’t just to build a booth but to create an experience: “We wanted educators, students, and partners to see firsthand how books, digital platforms, AI, and hands-on learning tools can work together to shape the future of education.”

Bridging Tradition and Technology

Inside, visitors explored the full ecosystem of solutions C&E ALS offers:
  • Print and Digital Content from C&E Publishing and global partners like McGraw Hill, Elsevier, Sage, Pearson, Cengage, and Wiley.
  • Learning Management Systems like Canvas, exclusively distributed by C&E ALS in the Philippines.
  • STEAM and Makerspace Kits designed to spark creativity among learners.
  • AI-powered platforms that help teachers streamline courses and personalize lessons.
  • Collaborations with tech leaders such as Samsung and Britannica.

This setup showed how innovation doesn’t replace tradition—it complements it, creating classrooms that are more adaptive and inclusive.

Interactive Learning in Action

Far from being a static display, the booth became a hub of activity and discovery. Teachers tested AI lesson-planning tools, librarians learned about new resource management systems, and students got hands-on with STEAM kits. Visitors also joined the Course Card Passport Challenge, exploring each zone and earning instant prizes.

The energy felt less like a trade fair and more like a living, breathing campus.

Spotlight on Generative AI


One of the highlights was a seminar on Generative AI in Education led by Engr. Ericson Dimaunahan of MapĂșa University. Held on September 11, 2025, the session drew educators eager to explore how AI can boost efficiency, improve teaching quality, and personalize student learning.

C&E ALS representative Ronald Laovinia emphasized that education must lead, not just follow, technology: “Our task as decision makers is not just to keep pace, but to set direction.”

The talk sparked excitement among teachers ready to integrate AI into their classrooms, reinforcing C&E ALS’s role as both an innovator and a thought leader.

Thousands Engaged at MIBF 2025

Throughout the five-day fair, thousands of visitors—from parents and students to educators and policymakers—flocked to the booth. Eugenio noted, “Seeing so many educators and students actively engage with our solutions tells us we are on the right path.”

This engagement underscored C&E ALS’s mission to make education in the Philippines more adaptive, inclusive, and future-ready.

Beyond the Fair: What’s Next?

While the “Campus of the Future” was a show-stopper at MIBF 2025, C&E ALS stressed that this is only the beginning. The company continues to build its ecosystem of solutions, expanding access to both traditional and tech-driven educational tools nationwide.

As Eugenio summed it up: “At MIBF 2025, we showed how education is both about shaping the future and honoring tradition. Now, we continue that mission long after the fair.”

The showcase at MIBF 2025 proves that Philippine education is on the cusp of transformation. With C&E ALS leading the way, blending books, digital platforms, AI, and STEAM learning, the future of learning in the country is brighter than ever.

If you’re an educator, parent, or student curious about future-ready education, keep an eye on C&E ALS and its expanding initiatives.
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IT Modernization Tops C-Suite Priorities in 2025

Thursday, September 18, 2025


C-Suite Leaders Pour IT Budgets Into Modernization, But Success Hinges on Strategy

Digital transformation has become the buzzword of the decade, but for many enterprises, turning big investments into real returns remains tricky. A new global study commissioned by Rocket Software and conducted by IDC shows that while executives are eager to modernize their IT systems — with up to 30% of budgets earmarked for it — most organizations are still struggling to achieve the results they want.

From cybersecurity threats to talent shortages, the road to modernization is riddled with challenges. For Filipino businesses looking to stay competitive in a digital-first world, the study offers valuable insights on how to future-proof operations while avoiding wasted investments.

IT Modernization Tops C-Suite Priorities

According to the survey of over 800 IT decision-makers across nine countries, nearly two-thirds of executives rank IT modernization as a top priority. Enterprises are no longer just focusing on cost savings — they’re now looking at modernization as a driver of innovation, agility, and customer satisfaction.

Planned spending in the next two years is expected to reach 25–30% of IT budgets, but organizations that lack a well-rounded strategy risk falling behind.

Barriers Holding Back ROI

The study revealed the top challenges businesses face in modernization:
  • Cybersecurity risks (51%)
  • Data quality and integration issues (43%)
  • Skills and training shortages (39%)

For enterprises in the Philippines and beyond, these issues echo a familiar story. Many companies adopt new tech quickly but underestimate the need for training, data management, and strong security measures.

The Competitive Advantage of Mature Strategies

Organizations with mature, integrated approaches covering infrastructure, applications, data, security, people, and AI readiness are achieving twice the results compared to less-prepared peers.

Michael Curry, President of Data Modernization at Rocket Software, emphasized that success isn’t just about adopting AI or cloud technology. Instead, it comes from “embedding security, governance, and skills development into every phase,” turning IT modernization into a real competitive advantage.

Key Research Insights

Some of the standout findings from the IDC White Paper include:

AI-Ready Infrastructure: 44% of businesses are prioritizing AI-ready tools and platforms. Among the most advanced, 82% are already building infrastructure for high-performance AI models.

Cybersecurity First: 57% of respondents will make cybersecurity and resiliency their top investments in 2025.

Data as the New Gold: Leading organizations are heavily focused on data quality, cataloging, and stewardship to ensure trustworthy enterprise-wide access.

AI and Cloud Skills: Nearly half of businesses plan to strengthen in-house AI expertise and improve data pipelines.

Mainframe Modernization: About 26% of enterprises will update mainframes to better integrate workloads and enterprise data.

Why Talent and Strategy Matter More Than Ever

The study also highlighted a talent gap as a critical challenge. Half of the surveyed enterprises plan to grow IT headcount, with a strong focus on AI, cloud, and cybersecurity skills.

Mary Johnston Turner, Research VP at IDC, noted that modernization maturity is “not just about technology adoption — it’s about the ability to adapt, scale, and deliver measurable business value.”

For local companies, the lesson is clear: modernization isn’t just about chasing the latest tech. Without a comprehensive strategy that includes security, skills, and data governance, investments risk falling flat. Businesses in the Philippines can learn from global leaders by pairing tech adoption with strong organizational readiness to stay competitive in the AI-powered economy.

If your business is looking at digital transformation, don’t just focus on tools. Invest in people, security, and long-term strategy to make sure every peso spent on IT modernization delivers ROI.

See where your organization stands: take Rocket Software and IDC’s 8-minute Modernization Index assessment to measure your IT strategy across six critical pillars and benchmark against peers.

To download the full IDC White Paper (doc #US53640525, July 2025), click here.


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Palo Alto Networks Launches Prisma SASE 4.0 with Next-Level Browser Security

Wednesday, September 17, 2025

 


Protecting Enterprises Against Highly Evasive Cyber Threats

In today’s digital-first world where the browser has become the new enterprise operating system, Palo Alto Networks has taken cybersecurity to the next level with the launch of Prisma® SASE 4.0. This industry-leading secure access service edge (SASE) solution introduces Prisma Browser, designed to stop sophisticated threats that slip past traditional defenses.

From neutralizing malware hidden in encrypted traffic to safeguarding private applications, Prisma SASE 4.0 sets a new benchmark in enterprise security, reinforcing Palo Alto Networks’ leadership in the global cybersecurity space.

Why Browser Protection Is Critical Today

As cloud apps, AI tools, and corporate data increasingly live inside the browser, consumer-grade browsers simply aren’t enough. Cybercriminals are now crafting attacks that assemble directly within the browser, bypassing secure web gateways and leaving organizations vulnerable.

Prisma Browser fills that gap with real-time in-browser protection, detecting and blocking malware before it can cause damage — a layer of defense legacy solutions miss.

Key Innovations in Prisma SASE 4.0

AI-Augmented Data Security

Prisma SASE 4.0 uses AI-powered classification to secure sensitive data, from patents to contracts and source code. With over 140 pre-trained ML classifiers and customizable models, it delivers 10x fewer false positives compared to traditional systems, protecting against risks from AI agents, copilots, and plugins that access company data.

Smarter Private App Security

Dynamic business applications are prime targets for hackers, and static firewalls are no longer enough. Palo Alto Networks’ Private App Security automatically adapts to evolving threats, updating security policies in real-time to shield mission-critical apps.

Market-Proven Leadership

With $1.3 billion in SASE annual recurring revenue (ARR) in 2025 — a 35% YoY growth — Palo Alto Networks is scaling faster than the market. It serves over 6,300 SASE customers, including one-third of the Fortune 500, and holds multiple Gartner Magic Quadrant Leadership positions across SASE, Security Service Edge, and SD-WAN.

What This Means for Businesses

As Anand Oswal, Executive Vice President of Network Security, explains, “It’s no longer just about blocking threats—it’s about enabling growth. Traditional security stacks can’t keep up with today’s AI-driven attacks. With Prisma SASE 4.0 and last-mile protections in the browser, we’re setting a new standard for enterprise security.”

For businesses in the Philippines and worldwide, this means stronger protection, simplified operations, and a clear path to scaling securely in the AI era.

Cybersecurity isn’t just an IT concern anymore — it’s a growth enabler. With Prisma SASE 4.0, Palo Alto Networks redefines how enterprises can protect users, apps, and data at the browser level while staying ahead of rapidly evolving threats.

Prisma SASE 4.0 will be generally available later this year. To learn more, visit Palo Alto Networks’ blog
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