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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/).

Q2 2025 sentiment of Filipino consumers and businesses dips, but near-term optimism holds

Q2 2025 sentiment dips for Filipino consumers and businesses, but near-term optimism holds

Filipino consumers and businesses showed mixed confidence entering the midpoint of 2025, with both groups expressing cautious sentiment amid inflationary concerns, global trade tensions, and political transitions. Despite the dip in current sentiment, optimism remains intact for the rest of the year, signaling resilience and forward-looking confidence in the Philippine economy. According to the latest Consumer […]

Members and officers of the Chamber of Thrift Banks (CTB)

Philippine thrift banks thriving, fueling economic growth with robust performance

The Philippine thrift banking sector is emerging as a powerful engine for economic development, reporting impressive growth in 2024. New data released by the Chamber of Thrift Banks (CTB) in July 2025 reveals a vibrant landscape, with total assets soaring by 6% to reach a remarkable $19.5 billion (PHP1.1 trillion). This robust performance signals the sector’s increasing influence and vital […]

Photo of a bazaar to how BSP and CDA are unlocking MSME potential in the Philippines

Unlocking MSME potential: BSP, CDA to champion credit surety fund successes

Imagine a lifeline for MSMEs and small businesses, a bridge connecting aspiring entrepreneurs to the capital they desperately need. That’s precisely what the Credit Surety Fund (CSF) program aims to be, and its remarkable impact is now taking center stage. The Bangko Sentral ng Pilipinas (BSP) and the Cooperative Development Authority (CDA) have joined forces to launch […]

FMIC exec talks about Metrobank and First Metro helping build capital opportunities for their clients

Capital unleashed: Metrobank and First Metro forge new opportunities, build client legacy and value

For decades, Philippine entrepreneurs and family-owned businesses have embraced steady, cautious growth, often prioritizing capital reinvestment and internal leadership. But in today’s fast-paced, competitive landscape, opportunities demand bolder strategies. A new generation of founders and next-gen leaders are now building for scale, valuing transparency, and eyeing the public market as a pathway to sustained growth. […]

Executives of Microsoft and DepEd gather during an event to expand collaboration, leverage AI to boost Philippine literacy

Microsoft and DepEd expand collaboration, leverage AI to boost Philippine literacy

Microsoft and the Department of Education (DepEd) are significantly expanding their collaboration, harnessing artificial intelligence (AI) to enhance literacy outcomes for Filipino students and empower educators nationwide. This growing partnership aligns directly with Secretary Sonny Angara’s five-point education agenda, underscoring a shared commitment to democratize AI for widespread educational benefit. DepEd Secretary Sonny Angara while […]

Photo of PH flag and tall buildings to illustrate the BSP's new property price index

BSP’s new property price index to offer a clearer picture of the Philippine housing market in 2025

The Bangko Sentral ng Pilipinas (BSP) is revolutionizing how it tracks the country’s real estate market with the launch of its new Residential Property Price Index (RPPI). This isn’t just a simple update; it’s a major overhaul designed to provide a more accurate and stable picture of housing price trends, even in the face of economic […]

To illustrate growing economy, photo here shows the PH flag, peso bills and buildings

PH’s BOP to post continued and widening deficit through 2026 amidst external headwinds — BSP

The Philippines’ Balance of Payments (BOP) is projected to register a deficit of approximately 1 percent of GDP in 2025 and 2026, according to the latest forecasts from the Bangko Sentral ng Pilipinas (BSP) as of June 2025. This BOP outlook signals a period of continued external challenges, driven by a persistent current account shortfall […]

Credit score expert Edith "Eds" Roberto challenges the Philippines' debt trap narrative on credit

Unlocking opportunities: Expert challenges the Philippines’ debt trap narrative on credit

In a nation where the word “utang” (credit) often conjures images of financial distress, a deep-seated perception of credit as a “debt trap” (a burden) continues to shackle Filipinos, preventing them from seizing vital opportunities for economic advancement and upward mobility. But a leading advocate for financial inclusion is directly challenging this narrative, urging a paradigm […]

Xiaomi Launches Xiaomi YU7, Xiaomi MIX Flip 2, Xiaomi Pad 7S Pro 12.5, and various AIoT Devices in Beijing

Smart manufacturing company launches Xiaomi YU7, Xiaomi MIX Flip 2, Xiaomi Pad 7S Pro 12.5, and new range of AIoT devices in Beijing

Signaling a bold new chapter for its connected ecosystem, Xiaomi Corporation, the smart manufacturing company and hardware powerhouse, recently took center stage in Beijing to unveil its most ambitious lineup yet. Under the fitting theme, “New Beginnings,” the company introduced the Xiaomi YU7 series, the Xiaomi MIX Flip 2, the Xiaomi Pad 7S Pro 12.5, and a compelling […]

Officers of Taxumo and Cebuana Lhuillier as they forge a new fintech alliance to empower Filipino entrepreneurs

Taxumo and Cebuana Lhuillier forge new fintech alliance to empower Filipino entrepreneurs

Taxumo, the nation’s leading online tax filing platform, has officially partnered with Cebuana Lhuillier, a titan in microfinancial services, in what may be considered a landmark collaboration poised to reshape the Philippine fintech landscape. This strategic alliance aims to dismantle persistent barriers for Filipino entrepreneurs by streamlining access to vital business loans and simplifying tax […]