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Ralph Fajardo

Ralph, the Editor-in-Chief of FintechNewsPH.com, brings over 15 years of writing and editorial experience that make him a strong fit to lead the publication’s mission of delivering credible and compelling fintech stories.

Before joining FintechNewsPH.com, he served as editor of Hello Philippines, a UK-based news magazine for the Filipino community abroad, where he covered stories on culture, business, and the global Filipino experience. He also contributed as a writer for The International Filipino, profiling Filipinos making an impact worldwide, and later worked as copy editor for Malaya Business Insight, one of the country’s respected business newspapers, where he refined his eye for accuracy, clarity, and style.

Ralph’s editorial journey began at the University of the Philippines Diliman, where he was Editor-in-Chief of Kampus Dyornal. There, he developed a keen sense for storytelling that informs and connects — a passion that continues to define his work today.

Through the years, Ralph has written across diverse subjects, from finance and technology to culture and communication, consistently weaving insight with narrative depth. His solid newsroom background and commitment to quality journalism position him to guide FintechNewsPH.com in highlighting the stories that shape the country’s rapidly evolving fintech landscape. Discover more about Ralph's professional journey on his LinkedIn profile (https://www.linkedin.com/in/raphael-fajardo-17155491/).

Caricature showing a laptop with miniature figures of cybercriminals trying to commit digital fraud into an iProov-protected system

iProov uncovers sophisticated iOS Deepfake Tool, raising alarms for fintech, digital identity security

Cybercriminals are taking deepfake fraud to a new level. iProov, a global leader in biometric identity verification, has revealed the discovery of a new iOS video injection tool capable of inserting AI-generated deepfakes directly into devices, bypassing weak identity verification systems. The threat intelligence team at iProov describes this as a “significant escalation” in identity fraud, with […]

A robot head emerges from a man's hand as Google Cloud announces launch of AP2

Google unveils agent payments protocol, sets global standard for AI-led transactions

Google Cloud has taken a bold step toward shaping the future of digital commerce with the launch of the Agent Payments Protocol (AP2), an open framework designed to secure and streamline AI agent-led transactions across platforms. Developed in collaboration with more than 60 leading organizations worldwide, AP2 promises to establish a new global standard for trust, accountability, and […]

A happy family that's about to own a house built by Aboitiz Land

Skip the wait, Aboitiz Land’s RFO Houses and Lots make your future happen today

Aboitiz Land offers solutions to homebuyers of Ready-for-Occupancy (RFO) properties, making it even simpler to move into a well-integrated community or to start a high-potential investment. In today’s fast-paced, value-conscious real estate market, astute homebuyers may find that there is a high demand for ready-for-occupancy (RFO) or ready-for-turnover (RFTO) units. With quick move-in timelines for […]

Logo of BSP and a stack of PH coins uses to illustrate the effects of the country facing a BOP deficit while gaining momentum with Global Bond Index inclusion

PH faces BOP deficit, but gains momentum with possible inclusion in Global Bond Index

The Philippine economy entered mid-2025 grappling with external headwinds, as the country posted a balance of payments (BOP) deficit in the first half of the year. Yet amid these challenges, brighter prospects emerged with J.P. Morgan placing Philippine government bonds on its positive watchlist for inclusion in the world’s most-followed emerging market bond index. From […]

YouTube executives pose for a group shot with artists and content creators as the company redefines the future of entertainment once again at its Made on YouTube  event

The next 20: YouTube unveils AI-powered tools to shape the future of entertainment

Twenty years after it first gave everyone a chance to share their stories with the world, YouTube is once again redefining the future of entertainment. At its recent Made on YouTube event, the platform rolled out a sweeping set of AI-driven tools and features designed to empower creators, artists, and brands to thrive in the next era […]

The Palawan Group Marketing Team is committed to taking part as the company takes the lead in shaping the future of financial services for millions of Filipinos

Palawan Group charts future of payments and PH fintech with first marketing summit

The Palawan Group of Companies, one of the country’s most trusted financial services brands, marked a major milestone recently with the successful staging of its inaugural Marketing Summit, “Palawan NEXTGEN: Marketing in the Age of AI, CX, and Innovation,” at the Valle Verde Country Club in Pasig City. The two-day event gathered thought leaders from across finance, […]

Bribery and corruption, as shown by this image of hands passing money under the table is what the BSP wants to prevent under the AFASA Law

BSP wields new AFASA Law in probe of flood-control corruption accounts

The Bangko Sentral ng Pilipinas (BSP) has stepped into the widening flood-control corruption controversy, using its newly granted powers under the Anti-Financial Account Scamming Act (AFASA) to investigate suspicious bank accounts tied to the scandal. The move marks the first time the central bank is invoking Republic Act No. 12010, also known as AFASA, which […]

AgriDOM executives, led by Jennifer Joy Subang (8th from left), join Shell Pilipinas Corporation officials, led by Sebastian Quiñones (7th from left), during the awarding ceremony of Shell LiveWire 2025.

AgriDOM pushes tech, drone farming to help revitalize Philippine agriculture

For Jennifer Joy Subang, Chief Operating Officer of SF Group of Companies Inc. and also co-founder and Chief of Operations (COO) of AgriDOM Solutions Corp., the biggest challenge facing Philippine agriculture is not the fear of artificial intelligence or robots replacing farmers. It’s the fact that there are fewer and fewer farmers left. AgriDOM executives, led […]

A Philippine map with showing an area in Mindanao where Tonik is bringing its shop installment loans

Tonik Bank brings shop installment loans to Mindanao — completing nationwide rollout

Tonik defies Ghost Month with the expansion of its affordable in-store “lowest hulugan” loan to Mindanao – with zero down payment and 0% promos at partner retailers. While many businesses slow down during the superstitious “Ghost Month,” digital-only bank Tonik is boldly pushing forward, completing its national expansion by bringing its popular Shop Installment Loans to Mindanao. […]

Image of the PH flag and the word DEBT used to illustrate the effects of Philippine national debt hitting a record ₱17.27 trillion

Philippine national debt hits record ₱17.27 trillion: What it means for your wallet

The Philippines’ national debt has climbed to a new peak of ₱17.27 trillion as of June 2025, a figure that towers over the nation’s economic landscape. Even more concerning, this number shows no signs of stopping, as Finance Secretary Ralph Recto has warned that the country’s sovereign debt could balloon to as much as ₱20 trillion by the […]