Today, there are over two (2) billion search results about the word “innovation” in google. To simplify it there are only three (3) main things to consider when you’re innovating. It should be cheaper, faster and better! One great thing about the alternative finance companies is that value innovation is…

Based on the study conducted by Better Than Cash Alliance (BTCA), The Philippines has an estimated 2.5 billions of payments per month amounting to $74 billion (Php 3.76 trillion). But only 1% are transacted electronically; 99% of the transactions are paid either in cash or checks. BSP wants to increase…

Figure 1–1 Selected Philippines Agricultural Imports 2017[1]

It was an honor to get invited to the 66th RBAP (Rural Bankers Association of the Philippines) Annual National Convention and General Membership Meeting last May 20 and 21, 2019 at the Cordillera Conference Hall of the Baguio Country Club, Country Club Road, Camp John Hay, Baguio City. Wow! It…