Visa and RCBC partner to launch Visa Direct, enabling seamless international money transfers in the Philippines

Visa and RCBC partner to launch Visa Direct, enabling seamless international money transfers in the Philippines

Wednesday, August 6, 2025

Launch of Visa Direct will drive growth in outbound payments from the Philippines, empowering both businesses and consumers through seamless, international money transfers

Visa (NYSE: V), a global leader in digital payments, has partnered with Rizal Commercial Banking Corporation (RCBC), one of the largest universal banks in the country, to launch Visa Direct, enabling fast, secure, and convenient real-time payments and money transfers to billions of accounts across more than 190 countries and territories. This collaboration advances outbound cross-border payment solutions for Filipinos, empowering consumers and businesses alike to meet the growing demands of a globalized economy.

Over one billion – or one in every eight people worldwide – send or receive payments or remittances every year, and the World Bank estimates that global cross-border payments and remittances reached $905 billion in 2024, or an increase of 4.6% from the previous year. The advent of digital payments is transforming cross-border payments and remittances too. that 67% of respondents prefer to send or receive payments or remittances digitally, with users highlighting ease of use, safety, and security as key benefits.

The Philippines, along with India, is the top market in Asia Pacific with the highest percentage of respondents preferring to send remittances digitally at 74%, highlighting strong digital adoption among Filipinos. With Visa Direct, Filipinos now have more options to make secure and efficient money transfers to anyone, anywhere across the globe.

Visa Direct is a real-time push payment platform that facilitates the delivery of funds directly to eligible cards, bank accounts, and wallets worldwide. Launched over a decade ago, Visa Direct revolutionized fund disbursements and peer-to-peer (P2P) payments with its fast, secure, and convenient platform. Reaching over 8.5 billion endpoints in more than 190 countries and territories and transacting in 160 currencies, Visa Direct builds on partnerships with companies like Thunes, TerraPay, and Tencent to enhance digital wallet usage and financial inclusion.

“Digital cross-border payments and remittances are crucial in supporting the Philippine economy – and Visa Direct underscores Visa’s commitment to fast, secure, and convenient money movement platforms to connect Filipinos to more opportunities beyond borders. In partnering with RCBC with this innovation, we hope to bridge outbound cross-border payment gaps and help widen financial inclusion. We look to working with other partners as well in helping transform remittances for Filipino consumers and businesses here and across the world,” said Jeffrey Navarro, Visa Country Manager for the Philippines.

Navarro added that both Visa and RCBC are looking to integrate additional features in the partnership, including enhanced fraud detection mechanisms and multi-currency wallets.

“Visa Direct strengthens our push for inclusive, tech-enabled banking by making global money transfers faster and more accessible. This is a vital step in expanding digital financial services for every Filipino, said Lito Villanueva, Executive Vice President and Chief Innovations and Inclusion Officer of RCBC.

“RCBC continues to lead innovation in banking and digital payments, and this partnership with Visa outlines our steadfast commitment to convenience, speed, security and flexibility for our customers,” added Reginaldo Cariaso, President and Chief Executive Officer of RCBC.

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Shell LiveWire 2025 Announces 3 Tech Startup Finalists

Shell LiveWire 2025 Announces 3 Tech Startup Finalists

Monday, August 4, 2025

Shell Pilipinas Corporation continues to fuel the growth of local innovation through Shell LiveWire, the company’s flagship enterprise development program that champions Filipino entrepreneurship. Designed to empower startups and local enterprises, the program has named its top three tech startup finalists following the pitch event in June. These startups were selected for their forward-thinking solutions in agricultural, energy efficiency, and sustainability.

Entrepreneurial Excellence on Display

By continuing to strengthen its commitment to empowering Filipino entrepreneurs who are driven to deliver solutions, Shell reinforces its role in advancing innovation, most notably by identifying the following top business ventures to enter the finale:

Among these startups is Agridom, a startup from SF Group of Companies Inc., which introduces drone-powered precision framing tools designed to improve agricultural efficiency and sustainability for smallholder farmers in the Philippines.

Also recognized is the Greentech Ecobooster, a fuel optimization device aimed at enhancing combustion engine performance while lowering fuel consumption and greenhouse gas emissions. Itʼs looking to improve engine performance, reduce fuel consumption, lower operational costs, and support broader climate goals.

Rounding out the top three is Pili AdheSeal Inc., a green tech company transforming agricultural waste into sustainable adhesive and sealant products. The startup promotes a circular economy that supports both Pili farmers and the environment.

These three startups are now undergoing Shell LiveWire’s acceleration phase, where they receive mentorship, financial support for team and product development, and expert guidance to refine their businesses. They also stand the chance to win up to PHP 1,000,00.00 in equity-free cash for the first-place winner, and PHP 500,000 each for the second and third placers, providing essential runway to scale their startups. Community enterprises, another track of the program, are represented this year by 51 participants from diverse regions and industries across the country. These enterprises receive in-kind or grant money support to further strengthen their operations.

Nascent Technologies Corp. was also awarded the A-Lister recognition, Shell LiveWire’s special citation given to promising startups still in their development phase.

Shell has appointed PwC as the official auditor of the 2025 Shell LiveWire Philippines to ensure transparency and integrity.

Shell envisions a bright future for Filipino entrepreneurs

A recent study revealed that the country’s startup ecosystem nearly doubled in value, from US$3.5 billion in 2023 to US$6.4 billion in 2024, driven by increased investments and the growth of scalable, tech-enabled enterprises. Key sectors such as climate and cleantech, agritech, as well as education and health technology, continue to generate significant economic value while advancing human development and sustainability.

Shell LiveWire continues to play a vital role in cultivating this ecosystem by helping Filipino entrepreneurs thrive and create inclusive employment opportunities.

Watch out for the Shell LiveWire 2025 finale this September at the Echelon Event, where this year’s top startup will be awarded and the next wave of innovation will take center stage.

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Visa Champions Financial Inclusion and Tourism in PH with Contactless MRT-3 Payments

Visa Champions Financial Inclusion and Tourism in PH with Contactless MRT-3 Payments

Thursday, July 31, 2025

Contactless fare system expected to increase MRT-3 ridership by 10%, boosting urban mobility, tourism, and digital inclusion

Visa, a global leader in digital payments, is taking another bold step toward inclusive economic growth in the Philippines by launching a modern contactless payment system on Metro Rail Transit Line 3 (MRT-3). In collaboration with the Department of Transportation (DOTr) and other key partners, the initiative is set to benefit over 350,000 daily commuters, ushering in a new era of convenience, safety, and efficiency for public transport users.

This is Visa’s third major transit project in the country, following successful rollouts in Cebu, Mandaue, and Bacolod.

Fast, Secure, and Seamless Commuting for All

With contactless infrastructure now installed across all 13 MRT-3 stations, passengers can simply tap their Visa cards, smartphones, or NFC-enabled devices to ride—no need for cash or physical tickets. According to the Visa Economic Empowerment Institute, open-loop, contactless systems can increase public transport ridership by up to 10%, contributing to more dynamic urban centers and economic uplift.

“Modern, seamless payment systems are essential for vibrant urban economies. Upgrading fare collection not only enhances the commuter experience but also boosts productivity by making Metro Manila more connected and efficient,” said Jeffrey Navarro, Visa’s Country Manager for the Philippines.

Aligning Metro Manila with World-Class Cities

The new system aligns Metro Manila’s urban transport with top-tier global cities like Tokyo, Singapore, and Bangkok. Findings from the Visa Global Urban Mobility Survey show:

• 96% of commuters expect contactless transit payment options
• 58% want a single payment method across all modes of transport

Visa’s interoperable, digital solution meets these expectations, enabling hassle-free travel for both locals and visitors.

Driving Financial and Digital Inclusion

Beyond convenience, this upgrade plays a crucial role in bridging the financial divide. By allowing unbanked and underbanked Filipinos to access digital services through familiar tools like cards and smartphones, Visa is promoting greater financial inclusion.

“Digitization in public transport doesn’t just make commuting easier—it empowers people. It gives more Filipinos access to the digital economy and paves the way for long-term financial inclusion,” Navarro added.

Enhancing the Tourist Experience

The contactless system also aims to elevate the travel experience for international and domestic tourists. According to the Visa 2023 Global Travel Intentions Study, while 97% of Asia Pacific travelers carry cards, 44% of visitors to the Philippines have faced payment challenges due to limited card acceptance.

With the MRT-3 now offering card-based fare collection, the Philippines is positioning itself as a modern, tourist-friendly destination—a crucial step in boosting tourism receipts and visitor satisfaction.

“Tourism thrives on convenience. Upgrading our transit systems encourages visitors to explore more, spend more, and spread the word about the Philippines as a must-visit destination,” said Navarro.

From Metro Manila to the Rest of the Philippines

Visa’s MRT-3 project builds on earlier initiatives in Cebu, Mandaue, and Bacolod, where over 1.4 million residents and tourists benefit from tap-to-pay systems on modern jeepneys. These efforts reflect Visa’s commitment to expanding its smart mobility solutions nationwide.

With over 870 tap-to-ride transit projects worldwide, Visa continues to drive digital transformation in public transportation—helping the Philippines move toward a more inclusive, sustainable, and globally competitive future.

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Building Resilient Communities: LGUs Leverage PLDT-Smart Ligtas Kit

Building Resilient Communities: LGUs Leverage PLDT-Smart Ligtas Kit

In a disaster-prone nation like the Philippines, local government units (LGUs) are stepping up their emergency response capabilities through innovative communication tools. At the heart of this shift is the PLDT-Smart Ligtas Kit, a compact yet powerful solution helping LGUs bridge critical communication gaps in disaster risk reduction and management (DRRM).

Reliable communication where it matters most

For remote and high-risk areas, maintaining reliable communication during emergencies remains a persistent challenge. In Kapangan, Benguet, officials once had to physically reach isolated barangays to deliver updates, delaying critical advisories like class suspensions.

​Fortunately, the municipality has reported no disaster-related deaths over the years—a feat attributed to improved communication and stronger community compliance.

Erick Abangley, Municipal DRRM Officer of Kapangan, noted that, since receiving the PLDT-Smart Ligtas Kit, the ability to send information more easily to barangays has led to real improvement.

In Datu Odin Sinsuat, Maguindanao del Norte, the Municipal DRRM Office (MDRRMO) used the PLDT-Smart Ligtas Kit to issue timely and critical updates during a sudden nighttime flood, contributing to zero casualties and faster rescue coordination, even when entire barangays were cut off. “The Ligtas Kit helped us communicate real-time updates and manage rescue efforts more efficiently,” said Monesa D. Ayao-Sale, MDRRMO. “Everyone was informed and ready.”

A versatile lifeline for emergency response

More than just a communication bundle, the PLDT-Smart Ligtas Kit is a multi-functional resource designed for local needs. In Kapangan, its bundled mobile phone now serves as the main 24/7 hotline of the municipality’s Emergency Operations Center.

In the municipality of Catarman in Northern Samar, the PLDT-Smart Ligtas Kit’s solar power bank ensures that responders and even residents are able to keep their devices charged during power outages. It complements existing tools such as mobile phones, radio, internet, social media, and traditional “bandilyo” announcements.

In Datu Odin Sinsuat, the kit is also used for pre-disaster risk assessments and barangay-level training, while Kapangan LGU utilizes it for monitoring during holidays and local events -- further embedding the technology into everyday preparedness.

Strengthening communities and supporting responders

The Ligtas Kit has also fostered greater community involvement. In Catarman, Northern Samar, residents in remote barangays now actively assist in hazard monitoring by sending photos and updates, particularly during floods. Following a major flooding event in 2023, early evacuation behavior has notably improved.

An unexpected yet meaningful benefit has also emerged: the kit has become a vital tool for responders to stay in touch with their families during operations—boosting morale and reinforcing the human side of disaster response. Emerald Guevara, Catarman MDRRMO, emphasized that the ability for responders to communicate with their families has been very important and has significantly boosted their morale.

Training makes the difference

Each Ligtas Kit deployment includes Emergency Communications Training (ECT), equipping responders to maximize the kit’s potential.

In Datu Odin Sinsuat, this training enabled more targeted awareness campaigns and better use of the kit in barangay-level DRR activities—especially in remote areas. MDRRMO head Ayao-Sale noted that while consistent IEC efforts had been in place, the training allowed the MDRRMO to better connect with the community and enhance responsiveness during crises.

In Kapangan, combining technology with capacity building training proved essential. According to MDRRMO Abangley, “Knowing how and when to use the Ligtas Kit allows us to get the most from it. It’s not just about the tool—it’s about capacity.”

Resilience through innovation and collaboration

To date, PLDT and Smart have deployed 56 Ligtas Kits across the country, enhancing local governments’ ability to respond swiftly, coordinate effectively, and keep communities safe—before, during, and after disasters.

This initiative supports United Nations Sustainable Development Goal (SDG) 11: Sustainable Cities and Communities and SDG 13: Climate Action. Through innovation, training, and partnership, PLDT and Smart are helping build disaster-resilient communities across the Philippines, ensuring no one is left behind in times of crisis.

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PLDT Enterprise Empowers Philippine Industries with Robust and Future-Ready 5G Mobile Private Networks

PLDT Enterprise Empowers Philippine Industries with Robust and Future-Ready 5G Mobile Private Networks

Wednesday, July 30, 2025

As industries accelerate their digital transformation, the need for secure, scalable, and high-performance connectivity has become more critical than ever. PLDT Enterprise is leading the charge in bringing advanced 5G Mobile Private Networks (MPN) to the Philippine market, pioneering innovations that boost efficiency, drive automation, and deliver reliable connectivity across key sectors.

Backed by a strong network infrastructure and strategic alliances with global technology leaders, PLDT Enterprise is reinforcing its position as the trusted partner for enterprises leveraging 5G MPN to improve operations, enhance security, and drive new revenue opportunities.

Revolutionizing Industries with 5G MPN

5G MPN is set to transform industries by providing dedicated, ultra-reliable, and low-latency connectivity tailored for mission-critical applications. It provides enterprises with full control over their network environment, ensuring optimized performance and enhanced cybersecurity.

Through its strategic initiatives, PLDT Enterprise is actively exploring 5G MPN applications in areas such as:

Banking and Financial Services – Strengthening cybersecurity and fraud prevention through secure and seamless authentication.

E-Commerce and Retail – Enabling real-time data analytics, smart inventory systems, and frictionless transactions.

Manufacturing and Logistics – Powering automation, robotics, and IoT operations to streamline production and supply chains.

Smart Cities and the Public Sector – Enhancing public safety, traffic management, and government digitalization.

John Gonzales, First Vice President and Head of Enterprise Consulting Services and Technology Management at PLDT Enterprise, emphasized the company’s vision for 5G MPN, “We recognize that enterprises require more than just connectivity—they need intelligent, secure, and highly customizable network solutions that support their digital transformation goals. With our expertise in 5G and Mobile Private Networks, we are not only future-proofing businesses but also strengthening the country’s overall digital ecosystem.”

A Holistic Approach to 5G Leadership

PLDT Enterprise’s innovation extends beyond connectivity. Its parent company PLDT is actively collaborating with industry leaders to develop a holistic 5G ecosystem that integrates:

5G Slicing – supporting ultra-low latency services like video analytics, remote diagnostics, and real-time monitoring.

Network APIs – giving businesses programmable network capabilities to build and scale digital solutions.

AI and Automation – driving smarter decision-making through predictive analytics and machine learning models.

Beyond connectivity, PLDT Enterprise solutions are also enabled by the capabilities of ePLDT, the PLDT Group’s ICT subsidiary, and VITRO Inc, its data center arm.

As 5G capabilities continue to expand, VITRO Sta. Rosa (VSR), the country’s first AI-ready hyperscale data center, with its AI-ready infrastructure and diverse network connectivity, is a cornerstone of this strategy – supporting 5G and AI integration with edge computing, hybrid orchestration, and centralized network analytics.

In addition, VITRO’s network of strategically located data center facilities offer not only infrastructure and network resilience, but also a multi-site setup that ensures operational continuity.

Meanwhile, ePLDT delivers tailored multi-cloud and cybersecurity solutions, that safeguard enterprise data and applications while optimizing operational efficiency. Its portfolio also includes cloud and AI-powered services that enable intelligent automation, real-time threat detection, and data-driven decision-making—helping enterprises fully maximize the capabilities of 5G MPN.

Together, these technologies provide enterprises with a fully integrated digital ecosystem, reinforcing PLDT Enterprise’s leadership in next-generation business solutions.

Strengthening the Future of 5G MPN in the Philippines

As global demand for private 5G networks surges, PLDT Enterprise remains at the forefront of enabling businesses to harness the power of 5G MPN. The company continues to pioneer network innovations, coupled with its customer-centric approach, positions it as the premiere partner for enterprises looking to navigate the future of connectivity.

To learn more about PLDT Enterprise's digital solutions, visit https://bit.ly/pldtenterprise-5g-mpn-pr

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FWD-JA Philippines partnership joins Brigada Eskwela 2025 in community-driven school preparation

FWD-JA Philippines partnership joins Brigada Eskwela 2025 in community-driven school preparation

The Regional Kick-Off for Brigada Eskwela 2025 was held on June 9, 2025, at Jose Rizal Elementary School with the attendance of distinguished leaders including DepEd NCR Regional Director Asec. Jocelyn DR Andaya, Assistant Regional Director Joel Torrecampo, Pasay City Mayor Hon. Imelda Calixto-Rubiano, and guest of honor Assistant Secretary Nilo L. Rosas.

Adding depth to the program was the partnership between FWD Philippines and Junior Achievement Philippines. JA SparktheDream program has reached 14,601 students since inception in 2023. while its JA It's My Dream has equipped 600 out-of-school youth with entrepreneurship skills and financial literacy capabilities.

In attendance at the event were Alternative Learning System (ALS) students from Pasay who participated in this year’s JA It's My Dream program. These students established food stalls during the event, confidently engaging with attendees and managing their operations. Their smooth operation showcased the entrepreneurial foundation and practical business skills they developed through the program, demonstrating actual application of skills and adaptability in a real-world environment.

As the insurer of the next generation, FWD Philippines reiterates its commitment to empowering Filipino youth with practical financial literacy programs, promoting a mindset shift enabling them to take charge of their own lives and be positive agents of change in their communities. By nurturing young minds and equipping them with the tools to dream boldly and execute wisely, FWD actively contributes to a generation that is not only ready for the future but also prepared to shape and lead it.

The participation of the ALS students embodied the spirit of Brigada Eskwela, which is primarily bringing the community together to support education. Their booths became focal points of inspiration, demonstrating the tangible results of investing in youth development. These young entrepreneurs showed how community partnerships and bayanihan can develop individuals with practical skills that prepare them not just for the classroom, but for meaningful contribution to their communities.

For more updates, follow @ja_philippines and @fwdlife_ph on social media.

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From Survival to Opportunity: Borrowing in a Time of Stability

From Survival to Opportunity: Borrowing in a Time of Stability

How Responsible Lending Can Open Doors for Filipinos

For many Filipinos, borrowing money has long been a way to get through tough times. It can help to pay for food, tuition, medicine, or bills when income falls short. These needs remain real and urgent. But as the economy shows signs of stability, it’s also time to ask: Can loans be more than just a last resort?

According to the Bangko Sentral ng Pilipinas’ latest Lending Trends and Practices Report (Q1 2025), the majority of borrowers still take out loans to address daily expenses and emergencies. However, the same report notes a rising awareness of credit’s potential for "asset-building" and "productive use.” This is a good sign that the mindset around borrowing may slowly be shifting.

While uncertainty still lingers such as job security and rising household expenses, the easing of inflationary pressures has provided a window for more Filipinos to breathe and think beyond survival. As financial tools become more accessible and borrowing options more transparent, there’s a growing opportunity to reshape the narrative: borrowing not just to survive, but to grow.

Turning Loans into Livelihoods

For many aspiring entrepreneurs, the biggest hurdle is the capital. A small loan can help cover the initial costs of starting a microbusiness, whether that’s a sari-sari store, a food cart, or an online reselling venture. These small-scale businesses don’t require large investments, but they do need a starting fund for inventory, equipment, or basic supplies. With a bit of capital, a side hustle can grow into a steady income stream.

As digital platforms and informal marketplaces grow, so do opportunities for self-employment. From local food delivery to secondhand goods and mobile e-loading, borrowers now have more ways to put their loans to productive use. When borrowing is done responsibly, it can empower individuals to take control of their livelihood, and lay the foundation for future financial independence.

Investing in Skills for Long-Term Growth

Borrowing can also be a stepping stone to personal and professional development. Short courses or training programs in areas like project management, digital marketing, bookkeeping, or even welding can open doors to better job opportunities or freelance work. The upfront cost may feel intimidating, but a loan can help bridge that gap as they can turn education into a long-term asset.

With more online learning options and flexible certification programs available, improving or unlocking skills can further lead to a higher-paying and more stable work. Loans, when used with purpose, can help Filipinos build careers that offer both dignity and growth.

Using Credit to Improve Quality of Life

While some use loans to increase income, others use them to create a more secure and comfortable home life. This could mean buying a secondhand appliance to replace a broken one, covering tuition to keep kids in school, or funding repairs that make a house safer and more livable. These aren’t luxury expenses but they’re steps toward building a better, more stable life.

Credit can also help individuals bridge seasonal gaps in cash flow, especially for workers with irregular income or small business owners during lean months. By easing short-term strain, loans can help people avoid riskier financial alternatives like pawning valuables or relying on informal lenders.

As more Filipinos explore the idea of borrowing to grow, reliable credit becomes even more important. Digital lenders like JuanHand offer a convenient and accessible way to borrow, especially for those who may not qualify for traditional bank loans. With just a smartphone, borrowers can apply, get approved, and receive funds, often within minutes, thanks to the ease of minimal requirements, no long lines, and a judgment-free process. When paired with clear terms and financial education tools, online lending can become more than a quick fix; it can be a stepping stone toward personal progress and financial empowerment.

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