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/).

Ciara Magallanes of Mommy Diaries PH discusses the significance of Palawan Group's partnership with OONA Insurance and how Palawan Protektodo helps in her daily life as a mom

calendar_today January 28, 2026 schedule 4 min read

Palawan Group, Oona Insurance tackle ‘Big 3’ killers with sachet-style critical illness cover

As the new year pushes financial wellness to the forefront of the Filipino consciousness, the Palawan Group of Companies is doubling down on “insurtech” accessibility. Partnering with Oona Insurance, the pawnshop-to-fintech giant has rolled out Palawan ProtekTODO, a critical illness product specifically engineered to bridge the massive protection gap for the country’s leading causes of mortality. Data from the World […]

Payment

Photo of RCBC First Senior Vice President and Head of the Transaction Banking Group Martin Tirol, President and Chief Executive Officer Reggie Cariaso, Visa Philippines Country Manager Jeffrey Navarro and Head of Clients Rio Mayuga during the MOA-signing

calendar_today January 27, 2026 schedule 4 min read

Visa and RCBC ink strategic debit deal to narrow the PH digital payments gap

In a move set to reshape the local digital finance landscape, global payments leader Visa (NYSE: V) and Rizal Commercial Banking Corporation (RCBC) have announced a landmark debit partnership. The collaboration allows RCBC’s massive customer base to tap into Visa’s global network of millions of merchants, signaling a significant shift in how Filipinos manage their everyday liquidity. While credit […]

Banking and Finance

Top executives of Moneymax during the MOA-signing as the company joins forces with CCAP to bridge gap, says 95% of Filipinos are ‘credit invisible’

calendar_today January 26, 2026 schedule 3 min read

Moneymax joins forces with CCAP to bridge gap, says 95% of Filipinos are ‘credit invisible’

Despite the explosive growth of digital wallets in the Philippines, a staggering 95% of Filipinos remain “credit invisible.” While millions can now scan a QR code to buy coffee, the vast majority still lack the formal credit profiles necessary to secure a bank loan, buy a home, or fund a small business. In response to this systemic […]

News

Maya execs strike a pose as the company backs CICC’s scam safe push as online fraud threats continue to rise

calendar_today January 22, 2026 schedule 2 min read

Maya backs CICC’s scam safe push as online fraud threats continue to rise

As online scams grow more sophisticated and pervasive, fintech platform Maya is reinforcing its cybersecurity stance by backing the Cybercrime Investigation and Coordinating Center’s (CICC) Scam Safe initiative — an effort aimed at improving public awareness and understanding of digital fraud. Maya’s support for the program aligns with its broader approach to cybersecurity, which treats protection not […]

Cybersecurity, Payment

calendar_today January 21, 2026 schedule 2 min read

Google introduces Gemini ‘Personal Intelligence’ to simplify digital life

For years, digital planning has often felt like a chore. Whether organizing a family vacation or searching for a specific memory, people have had to act as “human routers” — constantly switching between email tabs, photo galleries, and maps just to get things done. Google aims to change that with a major update to Gemini, […]

New Tech

calendar_today January 16, 2026 schedule 4 min read

Palawan Group shatters records with global trophy haul to cap 40th anniversary momentum

The Palawan Group of Companies, the home-grown giant behind Palawan Pawnshop and PalawanPay, has capped its 40th-anniversary milestone with a historic streak of global accolades, signaling a dominant era for the Philippines’ “bricktech” sector. Closing out 2025 on a record-breaking high, the group secured an unprecedented haul of trophies from the 12th International Finance Awards (IFA), […]

News

calendar_today January 13, 2026 schedule 2 min read

BSP extends regulatory incentives to boost sustainable finance lending

The Bangko Sentral ng Pilipinas (BSP) is extending regulatory incentives designed to encourage banks to scale up lending for green and sustainable projects, reinforcing its push toward a more climate-resilient economy. The Monetary Board approved the extension of incentives originally introduced in 2023 under BSP Circular No. 1185. These measures allow banks to exceed the […]

News

Collage of photos showing a couple applying for a bank loan as bank lending rises 10.3% as demand stays resilient in late 2025 according to the BSP

calendar_today January 12, 2026 schedule 3 min read

Bank lending rises 10.3% as demand stays resilient in late 2025 — BSP

Bank lending in the Philippines continued to expand in the latter part of 2025, underscoring steady access to credit for businesses and households even as growth showed early signs of moderation, according to the Bangko Sentral ng Pilipinas (BSP). Outstanding loans from universal and commercial banks (U/KBs) [1] grew by 10.3 percent year-on-year in both […]

News

BSP Gov. Remolona shaking hands with Finance Secretary Frederick Go after the latter has joined the BSP Monetary Board

calendar_today January 9, 2026 schedule 4 min read

BSP Monetary Board welcomes Finance Secretary Frederick Go

The Bangko Sentral ng Pilipinas (BSP) has formally welcomed Finance Secretary Frederick D. Go as the newest member of the Monetary Board (MB), thus strengthening the coordination between the country’s fiscal and monetary authorities at a time of heightened economic uncertainty. BSP Governor and Monetary Board Chairman Eli M. Remolona Jr. administered Go’s oath of […]

Banking and Finance

calendar_today January 8, 2026 schedule 4 min read

Remitly, Coins.ph roll out stablecoin-powered remittances to PH

Global remittance firm Remitly and Philippine crypto exchange Coins.ph have partnered to launch a stablecoin-powered remittance rail that promises faster, cheaper, and near-instant money transfers to the Philippines, as stablecoins gain traction as mainstream financial infrastructure. The collaboration enables Remitly to process funds from all its sending countries — spanning more than 170 markets — […]

Crypto