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Latest: Holy Week travel spurs SM EV charging expansion, blending mobility with digital-enabled convenience Latest: BSP data shows FCDU loans rise to US$15.56B in Q4 2025 despite yearly dip Latest: AMD unveils Ryzen 9 9950X3D2 Dual Edition with dual 3D V-Cache, set for April 22 launch Latest: Regional sari-sari store growth outpaces Metro Manila in 2025 — Packworks study Yesterday: Maya partners with SPARK! Philippines to expand financing and support for women-led MSMEs Yesterday: Coins.ph to streamline digital transactions with tokenized payments, rolls out ‘Link & Pay’ Yesterday: PH eyes ‘data hub’ status as DICT likens country to global chokepoint; Vertiv sees AI-driven growth Yesterday: Philippine external position steadies, but global risks cloud outlook — BSP report Latest: Holy Week travel spurs SM EV charging expansion, blending mobility with digital-enabled convenience Latest: BSP data shows FCDU loans rise to US$15.56B in Q4 2025 despite yearly dip Latest: AMD unveils Ryzen 9 9950X3D2 Dual Edition with dual 3D V-Cache, set for April 22 launch Latest: Regional sari-sari store growth outpaces Metro Manila in 2025 — Packworks study Yesterday: Maya partners with SPARK! Philippines to expand financing and support for women-led MSMEs Yesterday: Coins.ph to streamline digital transactions with tokenized payments, rolls out ‘Link & Pay’ Yesterday: PH eyes ‘data hub’ status as DICT likens country to global chokepoint; Vertiv sees AI-driven growth Yesterday: Philippine external position steadies, but global risks cloud outlook — BSP report

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/).

Image of tall buildings in the financial district as Metrobank sees moderate Philippine economic recovery in 2026 amid easing inflation, rate cuts

Metrobank sees moderate Philippine economic recovery in 2026 amid easing inflation, rate cuts

Metropolitan Bank & Trust Co. (Metrobank) expects a moderate recovery for the Philippine economy in 2026, as easing inflation, a more accommodative monetary policy environment, and gradually improving global conditions help offset lingering external and domestic headwinds. The outlook comes after a volatile 2025 marked by early optimism that faded as global uncertainties intensified. Market […]

Image of a Philippine flag on top of tall buildings as the BSP sees 2025 inflation within target

BSP flags benign inflation, cooling growth as external pressures weigh on outlook

The Bangko Sentral ng Pilipinas (BSP) sees inflation remaining manageable over the medium term, even as economic growth momentum softens and external headwinds push the country’s balance of payments (BOP) back into deficit territory. In its latest assessment, the BSP said December 2025 inflation settled at 1.8 percent, comfortably within its forecast range of 1.2 to 2.0 […]

Logo of the SSS Microloan program was presented during its launch

SSS eyes microloan pilot in 2026 to curb predatory lending, boost financial inclusion

The Social Security System (SSS) is preparing to pilot a new microloan program in the first half of 2026, positioning it as a safer and more affordable alternative to high-cost informal lending that continues to trap many Filipinos — particularly pensioners — in cycles of debt. As reported in Inquirer.net, Finance Secretary Frederick D. Go, […]

BSP's PH Property Report showing a robot hand holding together miniature houses

PH external accounts seen sliding into deficit as property price growth cools in 2025

The Philippines is bracing for a more challenging external environment over the next two years, with the country’s balance of payments (BOP) expected to slip into deficit territory in 2025 and 2026 — just as signs of cooling emerge in the domestic property market. From a modest surplus in 2024, the BOP is projected to […]

A handheld phone being used to make financial transactions as digital banking licenses close quietly in 2025 as profitability takes center stage

Digital banking licenses close quietly in 2025 as profitability takes center stage

The Bangko Sentral ng Pilipinas (BSP)‘s deadline for new digital banking license applications came and went at the end of November 2025 with little fanfare — but behind the regulatory silence, a more consequential story is unfolding for the Philippine fintech sector. While the central bank confirmed it received just three applications before the November 30 deadline, […]

A girl with a shopping bag smiles as EastWest brings Google Pay to cardholders, making everyday payments easier with just 1 tap

EastWest brings Google Pay to cardholders, making everyday payments easier with 1 tap

As Filipinos ease back into work routines, school schedules, and everyday errands after the holidays, the small friction points of daily life are becoming harder to ignore — long checkout lines, fumbling for wallets, and repeatedly typing card details for online purchases. EastWest Banking Corporation is aiming to remove some of that friction. The bank […]

Image of a hacker wearing a hoodie as cybersecurity lapses spur calls for faster reforms, with BSP rolling out financial sector resilience plan

Cybersecurity lapses spur calls for faster reforms as BSP rolls out financial sector resilience plan

Growing concerns over continued government data breaches are intensifying calls for the Philippines to accelerate long-delayed cybersecurity reforms, even as the Bangko Sentral ng Pilipinas (BSP) moves to fortify the financial sector against increasingly sophisticated cyber threats. As reported in Manila Bulletin, a cybersecurity expert from the Philippine Institute of Cyber Security Professionals (PICSPro) has […]

A stack of coins and the BSP logo as the central bank reports a stable PH economy thanks to growing foreign direct investment

BSP sees December 2025 inflation within target as FCDU loans continue to ease

The Bangko Sentral ng Pilipinas (BSP) expects inflation to remain manageable in December 2025, even as foreign currency lending activity shows signs of moderation amid shifting economic conditions. In its latest month-ahead forecast, the BSP projected December inflation to settle within the 1.2 to 2.0 percent range, reflecting a balance between seasonal price pressures and easing […]

Female employees rejoicing as UnionBank accelerates digital push with zero-touch payroll onboarding

UnionBank accelerates digital push with zero-touch payroll onboarding, names new wealth head

Union Bank of the Philippines (UnionBank) is deepening its push toward end-to-end digital banking, rolling out a zero-touch payroll account opening solution while strengthening its leadership bench with a new appointment in its consumer banking business. The bank recently introduced Zero-Touch Onboarding, a payroll account opening solution that allows employees to open their accounts in less […]

Lots of PH money as BSP mandates global payment standards, ushers holiday upgrade for the PH fintech engine

BSP mandates global payment standards, ushers holiday upgrade for the PH fintech engine

This news is a perfect Christmas gift for the local fintech ecosystem! Just as Filipinos wrap up their final holiday shopping sprees and prepare for the Noche Buena feast, the Bangko Sentral ng Pilipinas (BSP) has delivered a long-term present for the country’s digital economy. In a strategic move that promises to streamline everything from […]