Financial Inclusion

We Believe in You

Rizal Commercial Banking Corporation (RCBC) is one of the largest universal banks in the Philippines, founded in 1960 by Alfonso Yuchengco and headquartered at RCBC Plaza in Makati. Listed on the PSE (ticker: RCB) and part of the Yuchengco Group, it offers retail and corporate banking, lending, credit cards (RCBC Bankard), remittances, and digital services. It operates the financial-inclusion super app DiskarTech. Japan's SMBC is a major strategic shareholder (about 24.5% as of December 2025).

1960 · Makati City, Philippines · Public

Serving the Nation

Land Bank of the Philippines (LANDBANK) is a 100% government-owned universal bank created in 1963 under RA 3844 to finance agrarian reform and rural development. It is the country's largest government bank and among the largest banks overall by assets (about ₱3.5 trillion in 2025), serving farmers, fisherfolk, agrarian-reform beneficiaries, MSMEs, LGUs and government agencies. It combines a developmental mandate in agriculture with full commercial and digital banking, prioritizing lending to the agriculture, fisheries and rural development sectors.

1963 · Manila, Philippines · Government

Make every payment rewarding

GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB).

2018 · Metro Manila, Philippines · Public

Philippine pawnshop, remittance and microfinancial services

Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies.

1987 · Makati City, Philippines · Private

Blissful Shopping. Easy Billing.

BillEase is a Philippine buy-now-pay-later (BNPL) and consumer-credit app operated by First Digital Finance Corporation. Founded in 2017 by former McKinsey colleagues, it lets shoppers pay in installments at thousands of online and in-store merchants and also offers personal cash loans, e-wallet top-ups, mobile load, bills payment and gaming credits. Using proprietary credit scoring and alternative data, it serves underbanked Filipinos with instant approvals. It is registered with the SEC as a financing company and with the BSP as an operator of a payment system.

2017 · Ermita, Manila, Philippines · Series C

Open finance & embedded-finance platform

UBX is the fintech venture studio and open-finance platform spun out of UnionBank of the Philippines (Aboitiz Group), operating since 2018. It builds embedded-finance infrastructure that lets enterprises, MSMEs, and financial institutions offer digital payments, lending, and banking-as-a-service. Its core products are Bux (an end-to-end payment gateway for merchants), SeekCap (a same-day-approval MSME lending marketplace), and i2i (an open-finance/BaaS network connecting rural banks and banking agents). UBX is a BSP-registered Operator of Payment System and has served over 250,000 businesses; Japan's SBI Holdings holds a ~16.67% stake.

2018 · Pasig City, Philippines · Growth

Making education affordable for Filipino youths

Bukas is a Philippine education-financing platform, operated by Bukas Finance Corp. (an SEC-registered financing company) under regional parent ErudiFi. It partners with colleges and universities to let students and families pay tuition in affordable monthly installments instead of large upfront lump sums. Plans can cover up to 100% of tuition, payable over 3, 6, 9, or 12 months, with funds disbursed directly to the partner school. Applications are fully online. ErudiFi also operates Danacita in Indonesia.

2019 · Makati City, Philippines · Series A

Instant loans for the underbanked, powered by your phone

Tala is a digital lending app operated in the Philippines by Tala Financing Philippines, Inc., a US-founded (Santa Monica) global fintech serving the underbanked. Through its mobile app, Tala provides instant, collateral-free personal loans of up to ₱25,000, underwriting customers with little or no formal credit history using alternative data from their smartphones. Since entering the Philippines in 2017, Tala has disbursed billions of pesos to millions of Filipino borrowers and surpassed 4 million customers in the country.

2017 · Metro Manila, Philippines · Growth

Fast, affordable, and legit digital credit for Filipinos

Cashalo is a Philippine fintech lending platform operated by Paloo Financing, Inc. that offers fast, collateral-free digital credit to unbanked and underserved Filipinos. Launched in 2018 as a joint venture between Hong Kong-based Oriente and JG Summit's Express Holdings, it provides cash loans and buy-now-pay-later installment financing through its mobile app, using alternative data and AI-based credit scoring for approvals in as little as minutes. Cashalo was acquired by US fintech Empower Finance (rebranded "Tilt" in 2025) in April 2024 and continues to operate under the Cashalo brand.

2018 · Metro Manila, Philippines · Private

Financial well-being linked to your salary

SAVii (formerly Uploan) is a Philippine fintech offering salary-linked financial wellness to employees through their employers. It partners with companies to provide salary loans, salary advances, free insurance, and savings at no cost to the employer, with repayments collected via payroll deduction. It built its own credit-scoring model using employment and HR data to serve workers underserved by banks. Founded in 2017, it became the country's market-leading salary lender and was acquired in 2024 by JG Summit and Tyme Group, the shareholders behind GoTyme Bank.

2017 · Makati City, Philippines · Series A

Asia's trusted source for employment & income data

Smile API (Smile Technology Pte Ltd) is a Singapore-headquartered data-infrastructure company providing consumer-permissioned employment and income verification across Asia, with a major Philippines presence. Through a single API, businesses get real-time, user-authorized access to verified employment and income data from government systems, HR/payroll providers, and gig platforms. Lenders, BNPL providers, banks, and recruiters use it to strengthen credit decisioning and expand financial inclusion.

2021 · Singapore (with Philippine operations) · Seed

The Philippines' first Taglish inclusive digital banking super app

DiskarTech is RCBC's financial-inclusion super app and the Philippines' first all-in-one Taglish (Tagalog-English, with Cebuano) digital banking platform, launched July 1, 2020 to bring sachet banking to unbanked and underbanked Filipinos. It offers basic deposit and regular savings accounts (no maintaining balance), the Pasado Loan of up to PHP 500,000, fund transfers, bills payment, e-load, QR payments, cash-in/out via 100,000+ agents, plus affordable insurance and telemedicine. Deposits are supervised by the BSP and insured by PDIC. The app surpassed 3 million downloads within three months of launch.

2020 · Makati City, Philippines · Public

The Philippines' first independent ATM deployer

Electronic Network Cash Tellers, Inc. (ENCASH) is the Philippines' first independent ATM deployer (IAD), founded in 2006 by Eric Severino. It installs privately owned, white-label ATMs in rural and underserved areas overlooked by commercial banks, partnering with rural banks, cooperatives, MFIs and merchants. ENCASH has rolled out 1,500+ terminals across 700+ partner sites in over 440 towns, and operates its own MegaLink-connected transaction switch plus a hand-held ATM/POS (KitaKit). It is a BSP-registered Operator of Payment System. Around 2012 it raised about PHP 109M (US$2.57M) from Rural Impulse Fund II and responsAbility.

2006 · Makati City, Philippines · Series A

Digital insurance and HMO coverage for Filipinos and small businesses

Kwik.insure (Kwiktech Insurance Brokerage, Inc.) is a Philippine insurtech founded in 2020 by Hamilton Angluben. It launched an online insurance marketplace in March 2021 offering 100+ life and non-life products from local insurers, then narrowed its focus to affordable HMO and health coverage under its KwikCare brand. KwikCare plans, underwritten by PhilhealthCare, Inc., start at PHP 995/month for inpatient, outpatient and emergency cover, targeting MSMEs, freelancers and the underserved. Kwik.insure is a licensed insurance broker regulated by the Insurance Commission and is backed by Village Capital and RISE.

2020 · Taguig, Metro Manila · Seed

Making insurance accessible to all Filipinos

RuralNet, Inc. is a Cebu-based insurtech operating the Philippines' first fully digital, API-driven platform for insurance distribution and claims management. It partners with provincial financial institutions (rural banks, cooperatives and microfinance lenders) to deliver affordable health, accident, life and micro-insurance to underserved Filipinos and SMEs, and runs an SME insurance portal through its wholly-owned, Insurance Commission-licensed brokerage subsidiary, CashKO. RuralNet works with about 25 partner institutions serving roughly 2 million Filipinos. It raised a US$2.15M seed round led by Kickstart Ventures in October 2023.

2019 · Cebu City, Philippines · Seed

People-first AI platform for HR, payroll and embedded employee finance

Sprout Solutions is the Philippines' largest homegrown B2B HR and payroll SaaS company, founded in 2015 by Patrick and Alex Gentry. Serving 1,000+ corporate clients and 180,000+ employees, it runs HRIS, payroll, compliance and analytics. In September 2024 it launched Sprout Finances, an embedded-finance suite: ReadyWage (earned-wage access / salary-on-demand) and ReadyCash (salary advances of PHP 3,000-50,000, powered by partner bank Netbank), with ReadySaver savings in development. Sprout has raised about US$18.3M across seed, Series A (Point72 Ventures) and a 2023 US$10.7M Series B led by Cercano Management.

2015 · Mandaluyong, Metro Manila · Series B

MariBank Philippines is the country's seventh BSP-licensed digital bank, owned by Singapore's Sea Limited, parent of Shopee. Built on the former Rural Bank of Pagsanjan (est. 1965) charter acquired by Sea, it launched as SeaBank in June 2022 and rebranded to MariBank in 2025. The BSP granted its digital banking certificate of authority on 8 July 2026, and it began operating under the upgraded licence on 18 July 2026. It offers a no-maintaining-balance savings account with daily-credited interest, free InstaPay/PESONet transfers, a debit card and loans, and reported ~US$1.16B in assets and 6M customers at end-2025.

1965 · Pagsanjan, Laguna, Philippines · Public

Remit. Bayad. Bili.

POSIBLE is a Filipino fintech platform operated by Action.Able, Inc. that turns sari-sari stores, loading stalls and small retailers into community touchpoints for digital financial services. Through a tablet device and app, accredited agents offer bills payment, e-money cash-in and cash-out (GCash, Maya, Coins.ph and others), prepaid load and RFID reloading, e-PINs, insurance and money remittance. Founded in 2016 and a BSP-registered Operator of Payment Systems, POSIBLE runs a B2B2C agent network focused on financial inclusion for underserved communities across the Philippines.

2016 · Makati City, Metro Manila · Private

We Provide Business

PHILTECH (Phil. Technology for Entrepreneurs and Consumers Hub, Inc.) is a Zamboanga City-based financial-inclusion fintech that turns micro-retailers, sari-sari stores, and OFW-backed entrepreneurs into community banking and payment agents. Through its Negosyo Package model and the PHILTECH ATM Go Merchant solution — built on RCBC's ATM Go mobile terminals — partners can offer ATM cash withdrawals, fund transfers, cash-in/cash-out, bills payment, e-loading, and remittance in underserved areas. A BSP-registered Operator of Payment System, it brings everyday digital financial services where bank branches don't reach.

2016 · Zamboanga City, Philippines · Private

Simplifying Payments. Driving Growth.

Ventaja International Corp. is a Filipino fintech founded in 2004 that simplifies payments for overseas Filipino workers and their families. It is one of the Philippine government's largest overseas collection partners for SSS, Pag-IBIG and PhilHealth contributions, and was the first to collect SSS payments electronically from OFWs. Its platform powers 1,000+ counters and kiosks across 69 countries for partners including Metrobank, BDO, RCBC and Landbank. Through its PayRemit brand it offers remittance, e-loading and bills payment for 350+ billers. It is a BSP-registered Operator of Payment System.

2004 · Ortigas Center, Pasig City · Private

Powered by Passion

Esquire Financing, Inc. (EFI) is one of the Philippines' largest non-bank SME lenders, providing fast, non-collateral business loans to small and medium enterprises. Founded in 2011 by chairman and CEO Rajan Uttamchandani, the Taguig-based financing company offers loans of ₱100,000 to ₱10 million with minimal requirements and credit decisions in as little as 1–3 days, applied for online or through its mobile app and nationwide offices. EFI has disbursed over US$400 million to tens of thousands of entrepreneurs and is backed by private-equity firm Crescent Point Capital.

2011 · ARCA South, Taguig · Private

Toktokwallet Inc. is the BSP-licensed e-wallet and fintech arm of TokTok, a homegrown Filipino super-app. It lets users cash in, transfer funds, send money to other toktokwallet accounts, pay bills, buy mobile load (toktokload) and scan-to-pay via QR, and serves as the in-app payment rail for TokTok's delivery, food and marketplace services. A registered Electronic Money Issuer and Operator of Payment System, it extends digital payments across the TokTok ecosystem, which has surpassed two million app downloads.

2020 · Makati City, Metro Manila · Private

Empowering micro-entrepreneurs through connected commerce

Packworks is a Filipino B2B platform that digitalizes the country's neighborhood sari-sari stores, serving a network of over 300,000 micro-retailers. Through its app ecosystem (Sari.PH and Sari.PH Pro), store owners get inventory management, bookkeeping, sales tracking, and direct ordering from suppliers. Its Sari IQ engine turns store transaction data into business insights. Packworks brings embedded working capital to the underbanked retail sector, partnering with licensed lenders — including 1Sari Financing Corporation and Cebuana Lhuillier — to offer in-app inventory-financing credit lines that help stores restock and grow.

2018 · Makati, Metro Manila · Seed

MarCoPay (Maritime Community Pay) is a BSP-licensed e-money platform built for Filipino seafarers and their families. Its dual-currency e-wallet lets crew receive digital salaries onboard, convert currencies, send remittances, make zero-fee peer-to-peer transfers, and access loans, insurance, investments and an in-app e-market. Founded in 2019 by Japanese shipping line NYK and the Transnational Diversified Group (TDG), it later drew investments from Marubeni Corporation and MUFG Bank.

2019 · Bonifacio Global City, Taguig · Private

Kredivo is a Buy Now, Pay Later and digital credit platform that lets Filipinos shop online and in-store and split purchases into flexible payments. Through the Kredivo app, approved users get a reusable credit limit (up to ₱50,000) accepted at 600,000+ merchants and QRPh checkout points, with 0% interest on 30-day payments and installment plans of 3 to 24 months. Operated by SEC-registered Kredivo Philippines Financing Corp., it is part of the Kredivo Group (formerly FinAccel), one of Southeast Asia's largest BNPL and consumer-credit providers, also operating in Indonesia and Vietnam.

2019 · Metro Manila, Philippines · Growth

MabilisCash is a Philippine online lending app operated by Mabilis Cash Financing Corp. (formerly Mali Lending Corp.), an SEC-registered, licensed financing company. Through its mobile app it offers fast, fully digital personal cash loans of up to ₱90,000 with quick approval, instant disbursement, and flexible installment repayment — no collateral or branch visits required. Built for accessible, paperless borrowing, it has surpassed 5 million app installs and is part of Fintopia, a global AI-driven fintech group.

2019 · Bonifacio Global City, Taguig · Private

Your finances in an app. Your future in a tap.

Moneygment is an all-in-one financial app by Togetech, Inc. that lets Filipinos send money, pay bills, and compute, file, and pay their government contributions (SSS, PhilHealth, Pag-IBIG) and taxes from their phone. Built for freelancers, the self-employed, OFWs, small-business owners, and the unbanked, it also offers loan payments, real-property-tax processing, and insurance and investment options. Togetech is a BSP-registered Electronic Money Issuer and Operator of Payment Systems, and a subsidiary of IT firm Nessotech, Inc.

2017 · Makati City, Philippines · Private

Real-Time Credit Data for Lending Without Guessing

LenderLink operates the Philippines' first high-tech, real-time credit data exchange — a secure, consent-driven API network that lets lenders share and access verified borrower credit information instantly. Built by the founding team behind FinScore, it connects digital lenders, BNPL providers, installment-loan firms, and digital banks, combining traditional credit history with alternative data signals. As a CIC-Certified Technical Service Provider, it also helps lending institutions meet their Credit Information Corporation data-submission requirements. Its network spans 36M+ borrower records and a growing roster of member lenders.

2024 · Bonifacio Global City, Taguig · Pre-seed

The Philippines' largest outsourced bills payment network

Bayad, formerly Bayad Center, is the Philippines' pioneer and leader in outsourced payment collection, operated by CIS Bayad Center, Inc., a wholly-owned subsidiary of Meralco. It aggregates 500+ billers accessible through 100,000+ physical and digital touchpoints nationwide. Following its 2021 rebrand from Bayad Center to Bayad, it expanded from over-the-counter bills payment into a full-service fintech, launching the Bayad app and Bayad Online with remittance, e-load, e-wallet (Pera Manager) and real-time Meralco posting. It is BSP-registered as an Operator of Payment System and a Remittance and Transfer Company.

2006 · Pasig City, Metro Manila · Private

Kviku is an online consumer-lending platform operated by Kviku Lending Co. Inc., an SEC-registered lending company in the Philippines. Through its app and website, Filipinos can apply for unsecured cash loans entirely online using a valid government ID, with automated approval and funds typically released within an hour. Loan amounts run from roughly PHP 1,500 to PHP 25,000 over short terms, with transparent pricing and no collateral required. Kviku is part of an international fintech group offering instant-credit services across Europe and Asia.

2020 · Makati City, Philippines · Private