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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/).

Photo shows BSP Managing Director Rosabel B. Guerrero (center) and Mabalacat City Mayor Crisostomo C. Garbo while showing e-payment proof at a café during the launch of Paleng-QR Ph Plus in Mabalacat, Pampanga

BSP launches“Paleng-QR Ph Plus” in Mabalacat, leads city towards a revolutionary digital future

On July 23, 2024, a few days before Super Typhoon Carina hit the country, the Bangko Sentral ng Pilipinas (BSP) and the Department of the Interior and Local Government (DILG) took a monumental step towards creating a digital economy by launching the “Paleng-QR Ph Plus” program in Mabalacat City, Pampanga. The launch event, held in […]

Mocasa shares tips how to prepare for the unexpected by building a calamity fund

Mocasa waives fees and penalties, shares tips for building calamity fund to prepare for unexpected

In a country frequently battered by typhoons, floods, and earthquakes, having a robust calamity fund is not just advisable — it’s essential. As the Philippines continues to face natural disasters, Mocasa, the Philippines’ pioneering virtual credit wallet, is dedicated to helping Filipinos prepare for the unexpected with practical advice on establishing and managing a calamity […]

DBP SVP Carolyn Olfindo (third from left) and DBP Vice President Raquel Atienza (right) while receiving the ADFIAP Merit Award for Infrastructure Development from the ADFIAP

DBP earns international acclaim in 2024 for its groundbreaking renewable energy facility

The Development Bank of the Philippines (DBP), a state-owned institution, has recently been lauded by a prestigious international body for its innovative financing facility to propel the renewable energy sector, according to one of its top officials. In a press release, DBP President and CEO Michael O. de Jesus announced that the Association of Development […]

According to latest BSP report, a mobile phone with e-payments app is now being used more often

BSP report sees surge in digital payments in 2023, outlines positive role of remittances

According to the Bangko Sentral ng Pilipinas (BSP)’s Report on E-Payments Measurement “Traversing New Heights: The Future is Digital,” the share of digital payment transactions (e-payments) in the Philippines has surged from 42.1% in 2022 to 52.8% in 2023. A mobile phone with the Mocasa app that’s being used to conduct e-payments in a coffee […]

Facade shot of the RCBC Ayala Alabang branch in Muntinlupa

Amidst rising bad loans, Moody’s says RCBC to face big challenges in sustaining capital this 2024

Rizal Commercial Banking Corporation (RCBC), one of the Philippines’ leading banks, is anticipated to encounter a significant rise in bad loans over the next 12 to 18 months as it accelerates its growth into riskier retail loans, according to Moody’s Ratings. Facade shot of the RCBC Ayala Alabang branch in Muntinlupa The rating agency has […]

A BSP illustration showing a credit card on top of a mobile phone to describe financial cybercrime

BSP supports war against financial cyber crimes, welcomes passage of RA No. 12010 (AFASA)

The Bangko Sentral ng Pilipinas (BSP) recently welcomed the passage of Republic Act No. 12010 or the “Anti-Financial Account Scamming Act” (AFASA), which aims to combat financial cybercrimes, safeguard the interests of financial consumers, and uphold the integrity of the country’s economic system. Financial cybercrime or the act of obtaining financial gain through profit-driven criminal […]

GoTyme Bank's credit card and digital app (on a mobile phone)

GoTyme Bank leads digital banking growth in PH, welcomes 1.7 million new customers in 2024

In an impressive display of growth and customer satisfaction, GoTyme Bank has established itself as the Philippines’ fastest-growing digital bank, based on new customer acquisitions per month and transactional growth. IMAGE CREDIT: https://www.gotyme.com.ph/ In the first half of 2024 alone, GoTyme Bank welcomed 1.7 million new customers, averaging 250,000 new customers each month. This remarkable […]

A card about to be inserted in an ATM machine shows how the global IT meltdown caused by 'Falcon Sensor' exposed vulnerability in banks' digital systems

July 19 IT meltdown caused by ‘Falcon Sensor’ exposes vulnerability in banks’ digital systems

Several major banks in the Philippines experienced significant outages recently due to a sweeping technical glitch caused by the cybersecurity software ‘Falcon Sensor.’ This disruption, part of a global IT meltdown, caused widespread inconvenience for customers worldwide and highlighted the vulnerability of interconnected digital systems. The global IT meltdown caused by ‘Falcon Sensor’ exposed vulnerability […]

Chinabank Retail Banking Business Segment Co-Heads Jose Osmena Jr. (center) and Clara Sy (right), together with Asian Banking & Finance Publisher and Editor-in-Chief Tim Charlton

Chinabank scores big at “Asian Banking and Finance Awards 2024” with multiple accolades

Chinabank’s exceptional performance and strategic achievements were celebrated at the prestigious Asian Banking and Finance (ABF) Awards 2024, held earlier this month at Marina Bay Sands in Singapore. The bank received the distinguished title of Domestic Retail Bank of the Year-Philippines and secured two additional honors: Debt Deal of the Year-Philippines and IPO Deal of […]