SOCIAL MEDIA

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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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PLDT Enterprise and Nabstract Launch SilentAccess


In a digital world where scams evolve faster than our passwords, Filipinos are constantly seeking safer ways to transact online. This is why PLDT Enterprise is stepping up its cybersecurity game. The corporate arm of PLDT has partnered with global tech innovator Nabstract to introduce SmartSafe SilentAccess—a new solution designed to authenticate users without relying on one-time passwords. For Filipinos tired of worrying about phishing scams, this could be a game-changer.

A New Era of Secure, OTP-Free Authentication

As digital transactions continue to rise, so do incidents of cyber fraud. Traditional OTPs sent via SMS have become common targets for phishing, SIM swaps, and social engineering scams. To address this, PLDT Enterprise is rolling out SilentAccess, the flagship solution of the soon-to-launch SmartSafe fraud management API suite.

SilentAccess allows real-time, direct user verification through the Smart network. Instead of waiting for a text message, users are authenticated seamlessly in the background—making login and checkout experiences faster and much more secure.

During the launch, PLDT Enterprise executives shared that this new tool is designed to benefit industries like banking, fintech, e-commerce, and even SMEs that want to safeguard customer transactions. As Nico Alcoseba, First Vice President and Head of Product Management at PLDT Enterprise, emphasized, the partnership is part of their mission to innovate responsibly and build digital trust. He explained that with their GSMA Open Gateway API Certification, PLDT Enterprise is taking bold steps in protecting businesses with seamless and fraud-resistant technology.

How the Partnership with Nabstract Strengthens Security

Nabstract, known for its expertise in secure network exposure, plays a major role in enabling SilentAccess. Through Smart’s Service Exposure Platform (SEP), enterprises can tap directly into advanced network intelligence for:
  • Real-time fraud detection
  • Authentication without OTP friction
  • Stronger security for online transactions
  • Smoother user experiences across platforms

This means banks can block unauthorized access instantly, e-commerce platforms can reduce abandoned carts, and SMEs can offer secure logins without complicating user journeys.

According to Nabstract Founder and Director Vaibhav Mehta, the company trusts PLDT Enterprise to deliver secure and scalable digital solutions to the Philippine market. Their shared goal: empower organizations to thrive safely in an increasingly digital economy.

Building a Safer Digital Future for Filipino Businesses

The collaboration also aligns with PLDT Enterprise’s support for the United Nations Sustainable Development Goals (SDGs), particularly those related to innovation, industry, and digital inclusion. By enabling secure online services, the initiative helps boost trust and confidence in the country’s digital ecosystem.

With cybersecurity threats evolving every day, SilentAccess is a timely tool for businesses that want to protect users while providing fast, frictionless digital experiences.

Learn more about SmartSafe SilentAccess here:

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RCBC Wins Big at Global Retail Banking Innovation Awards 2025


RCBC continues to set the bar for banking innovation in the Philippines. The Rizal Commercial Banking Corp. recently earned two prestigious honors at the Global Retail Banking Innovation Awards 2025, recognizing its outstanding programs that support SMEs and promote financial inclusion. These wins highlight RCBC’s commitment to empowering businesses and communities through cutting-edge financial solutions.

RCBC’s Award-Winning Programs

At the awards held last October, RCBC received recognition for two key initiatives:

1. RCBC Negosyo Bundle Plus – Best New SME Product of the Year

The Negosyo Bundle Plus program is designed to help small and medium enterprises grow with an integrated suite of financial tools. It offers flexible payment options such as QR Pay, POS, Tap-to-Phone, and ATM Go, no maintaining-balance settlement accounts, payroll services with enhanced employee benefits, personal loan access, and comprehensive business and employee protection products.

2. Kabalikat Cooperatives Program – Best Financial Inclusion Award

The Kabalikat Cooperatives Program empowers cooperatives and their members through a revenue-sharing model that generates recurring income. It also provides affordable family protection insurance, cooperative-issued debit cards, and capacity-building sessions via the Forging Alliances learning platform, helping cooperatives strengthen their operations while serving their communities.

Global Recognition for Innovation

The Global Retail Banking Innovation Awards, organized by The Digital Banker, is a respected international program that evaluates banks worldwide for excellence in innovation, customer impact, and industry leadership. Judging is conducted in collaboration with senior leaders and experts from top global banks, consulting firms, and financial advisory organizations.

RCBC’s recognition further cements its reputation as a pioneer in customer-focused, technology-driven banking solutions, complementing previous accolades such as Best Bank for Digital and Best Bank for Customer Experience.

RCBC’s Continued Commitment to the Philippines

Currently the fifth-largest privately-owned bank in the Philippines, RCBC has been serving individuals and businesses for 65 years. As a member of the Yuchengco Group of Companies (YGC), RCBC continues to innovate, offering products and services that empower both grassroots economies and growing businesses nationwide.

To learn more about RCBC and its programs, visit www.rcbc.com.
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Mary Grace Café opens first international branch in Singapore

Sunday, November 30, 2025


For many Filipinos, Mary Grace Café isn’t just a place to eat. It’s where we slow down, reconnect and enjoy the familiar comfort of ensaymadas, cheese rolls and warm meals that remind us of home. As the brand nears its 30th year, this well-loved café is opening a new chapter that hits close to the heart of every Filipino abroad. Mary Grace has officially confirmed its first-ever international expansion, and it’s landing in Singapore.

A Milestone Three Decades in the Making

What started as a simple home baking endeavor at Mary Grace Dimacali’s kitchen table has grown into a nationwide favorite. With more than 140 cafés and kiosks today, the brand has become synonymous with comforting Filipino hospitality.

Dimacali, who serves as Founder, President and CEO of Mary Grace Foods Inc., shared this meaningful milestone in a heartfelt message. She expressed that opening in Singapore feels like a blessing and a natural next step in their journey. As she put it, they are grateful for the chance to share “a piece of home” with a new community.

Bringing Filipino Warmth to Singapore

True to its philosophy of creating “The Goodness of Home,” Mary Grace Café aims to recreate the same sense of warmth abroad. The upcoming Singapore café is envisioned as a welcoming space for both Filipinos and locals who want to experience comforting flavors and heartfelt service.

The brand hopes to serve as a home away from home for OFWs and Filipino families living in Singapore, offering a familiar place to gather, celebrate and unwind. It’s also a lovely introduction for Singaporeans who are curious about Filipino baked goods and cuisine.

Signature Favorites Travel Overseas

Visitors can expect the same carefully crafted favorites that have defined Mary Grace for years. The café will serve:
  • Their iconic Ensaymadas
  • The bestselling Cheese Rolls
  • Classic Filipino meals prepared with quality, wholesome ingredients

Each dish is meant to deliver the same warmth, care and nostalgia that loyal customers cherish in the Philippines. The brand hopes its new location will inspire the same shared moments that have made it a beloved dining spot here at home.

A Founder’s Personal Reflection

Dimacali also shared that she never imagined her humble baked creations would one day reach other countries. She spoke of the Singapore opening as a deeply personal journey and hopes guests will feel a sense of connection and comfort with every bite.

Soft Launch Through Online Pop-Ups

Before the physical café opens in the first half of 2026, Mary Grace will offer a sneak peek through online pop-ups at www.marygracecafe.sg throughout November and December 2025. Fans in Singapore will be able to order select baked goods, making them perfect treats for the holiday season.

Mary Grace’s expansion feels like a collective win for Filipinos everywhere. It’s a reminder of how far homegrown brands can go while still staying true to their roots. Whether you’re in Manila, Cebu or soon in Singapore, that familiar Mary Grace warmth will always be within reach.

If you’re traveling to Singapore next year, bookmark their page — it might just be your next comfort-food stop.

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Jollibee Group Bags Prestigious Award at Asia Sustainability Reporting Awards

Wednesday, November 26, 2025


In a time when Filipinos expect brands to go beyond marketing and truly give back, the Jollibee Group once again proves that responsible business can create real, measurable impact. The homegrown global company has earned a Bronze award at the 11th Asia Sustainability Reporting Awards (ASRA), shining a spotlight on how its community programs are transforming lives across the Philippines and beyond.

This recognition is not just a win for the company, it’s a reminder of how Filipino businesses can lead with purpose on the Asian stage.

Jollibee Group Wins Bronze for Community Impact Reporting

The Jollibee Group was awarded Bronze in the Community Impact Reporting category during the ASRA ceremony held at the Grand Hyatt Hotel in Singapore on October 24, 2025.

Representing the company were Global Chief Sustainability Officer Pepot Miñana, Global Sustainability Assistant Vice President Elise Veloso, and Global Sustainability Senior Manager Josh Baquiran.

The award reflects the company’s strong commitment to reporting sustainability initiatives with transparency, accountability, and a clear demonstration of community benefits—elements that earned the nod of international evaluators.

Sustainability Rooted in Purpose and People

In discussing the achievement, Jollibee Group’s Global Chief Sustainability Officer Pipot Miñana shared that sustainability reporting serves as an important lens to assess real-world impact. He emphasized that the company’s progress stems from meaningful actions that uplift people and protect the planet.

According to him, the award validates the belief that “real progress is built on purpose when every step forward brings positive change for people and the planet.”

ASRA: The Gold Standard in Sustainability Reporting

The Asia Sustainability Reporting Awards is considered the most prestigious awards program in Asia for sustainability reporting excellence. Organized by CSRWorks International, the awards follow a rigorous multi-step evaluation process that includes:
  • Detailed assessments
  • Peer reviews
  • Reputation checks

This year’s competition featured companies from 17 countries, and reports were evaluated based on their clarity, transparency, credibility, and alignment with globally recognized standards such as GRI, ISSB, and TCFD.

ASRA founder Rajesh Chhabara said the Jollibee Group stood out for its strong commitment to transparency, noting that the company clearly understands how sustainability performance builds long-term value and trust.

Strengthening Trust Through Responsible Action

The Jollibee Group’s latest achievement reinforces that business success and social responsibility can and should go hand in hand. Through its community-centered initiatives, the company continues to build trust among employees, partners, and the many communities it serves.

It’s a proud moment for a Filipino brand making waves internationally not just for its iconic Chickenjoy, but for proving that global impact starts with genuine care for people.

As sustainability becomes a growing expectation among Filipino consumers, the Jollibee Group’s recognition at ASRA is a strong example of how brands can lead through authenticity and purpose. For readers, this is an encouraging reminder that companies you support are becoming more accountable and that our everyday choices can uplift those pushing for positive change.

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BCG Study: What Filipino Families Prioritize Most



In a country where family is the heart of everything, from decision-making to financial survival, it’s no surprise that Filipinos continue to reshape what “security” truly means. A new nationwide study by Boston Consulting Group (BCG) uncovers how Pinoy households are balancing everyday struggles with long-term dreams, revealing a portrait of resilience, practicality, and shared responsibility.

If you’ve ever wondered what truly drives Filipino families today and how businesses should respond, this research offers a clearer picture than ever before.

What Matters Most to Filipino Families Today

According to BCG’s newly released report The Filipino Family, health and financial stability remain at the top of every household’s priority list. Out of 1,515 families surveyed (a total of 6,387 individuals), these stood out:
  • 70% prioritize being financially prepared for health emergencies
  • 68% want to build a substantial savings fund
  • 64% say improving nutrition and food quality matters most

These priorities reflect a blend of practicality and care, core Filipino values passed from one generation to the next.

During the report presentation, BCG Manila Managing Director and Senior Partner Anthony Oundjian emphasized that the study offers a rare, data-driven lens into how families actually function. He shared that understanding Filipino consumers means understanding the family as a collective decision-maker not separate individuals.

Health Security Is the Biggest Fear Across Households

The report reveals a sobering reality: 7 out of 10 families fear medical emergencies more than any other financial setback.

And the worry is justified.

BCG found that 64% of households cannot afford a ₱10,000 hospital bill without borrowing or relying on health insurance.

Oundjian explained that families repeatedly shared how easily a medical crisis can undo years of savings and progress making health protection a make-or-break concern.

Six Types of Filipino Families, Six Unique Realities

BCG identified six major household structures, each with different needs and stress points:

1. Single-Earner Nuclear Families (20%)

One parent earns while the other handles the household—clear roles, but often financially stretched.

2. Dual-Earner Nuclear Families (23%)

Couples practice toka-toka, dividing responsibilities and making decisions jointly.

3. Solo Parent Families (14%)

One parent manages both breadwinning and caregiving—time becomes the scarcest resource.

4. DINKs – Dual Income, No Kids (4%)

Couples focusing on stability and experiences, often treating pets like children.

5. Sandwich Families (11%)

The “gitnang henerasyon” balances raising kids while supporting aging parents.

6. Extended Families (21%)

Multi-generational setups with shared responsibilities—supportive but complex.

BCG Managing Director Julian Cua noted that these aren’t simple categories—they’re distinct economic units with unique needs. A solution for a DINK household, for example, won’t work for a sandwich family supporting three generations.

Family Decision-Making Is Always Collaborative

Whether it's buying groceries, picking a school, or planning a big purchase, Filipino families rarely make decisions alone. The process is collective, thoughtful, and viewed as an act of care.

BCG’s research highlights gender patterns too:
  • Women often manage savings, budgeting, and day-to-day spending.
  • Men usually handle investments and long-term finances.

Still, decisions are intertwined across members—reflecting the “tulong-tulong” culture deeply rooted in Filipino homes.

OFWs Remain Strong Decision-Makers Despite the Distance

Even across oceans, OFWs remain active voices in household decisions.

BCG found that over half of OFWs participate in key family matters, and many contribute up to three-fourths of household income through remittances.

Digital communication keeps them woven into the family’s daily choices—a role many businesses fail to design for, according to the report.

What This Means for Businesses and Policymakers

The report lays out five major implications for brands and institutions:

1. Households—not individuals—are the true consumers

Apps, products, and services should be designed for shared decision-making.

2. Health is the household’s biggest vulnerability

There is a need for real family-based health coverage, not individual plans with dependents.

3. Filipino aspirations are simple but meaningful

Families want dignity: better meals, small treats, worry-free weekends—not luxury lifestyles.

4. Family structures shape financial behavior

Businesses must segment offerings based on family type, not just income or age.

5. Migration transforms families but keeps them intact

OFW involvement remains strong, yet few financial products are built to support distributed decision-making.

BCG Principal and report co-author Lance Katigbak shared that the study challenges companies to stop treating Filipinos as isolated consumers. He stressed that families simply want systems aligned with how they genuinely live.

At the end of the day, the Filipino family is not just a social unit—it’s our country’s economic engine, emotional core, and foundation of care. This study is a reminder that when businesses truly understand Filipino households, they create solutions that uplift lives, empower families, and drive long-term impact.

As consumers, it also encourages us to reflect on our own family patterns—how we make decisions, what we value, and how we can advocate for products and policies designed with real Filipino realities in mind.
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