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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/).

A man working on his laptop to make online transactions thru BPI's BizLink platform

PhilHealth recognizes BPI for its support of the national health insurance provider’s services

The Philippine Health Insurance Corporation (PhilHealth) has recently honored the Bank of the Philippine Islands (BPI) as a recipient of the esteemed title of “Best Collection Partner” during the just-concluded PhilHealth Stakeholders’ Awarding Ceremony. This recognition underscores BPI’s significant contribution to nation-building and its commitment to assisting PhilHealth in delivering essential social health insurance services […]

Illustration showing a man with a mobile phone in hand while using fintech-related services

Funding to SEA fintech firms dropped 44% in Q1 but early-stage fintechs continue to fly high

Despite a surge in early-stage investments, funding in Southeast Asia’s fintech sector saw a decline overall in the first quarter of this year. Funding to cryptocurrency firms also more than tripled compared to the fourth quarter of 2023. IMAGE CREDIT: https://www.hellopocketed.io/ According to Tracxn Data, a technology-first platform that helps investors discover startups throughout the […]

Michael O. De Jesus, president and CEO of DBP, together with Mandaue City officials during the ceremonial loan-signing agreement

DBP extends support to Mandaue LGU, bankrolls P3 billion worth of government center in the city

A top official of the state-owned Development Bank of the Philippines (DBP) announced recently that it has extended a PHP 3 billion loan to the local government of Mandaue City for the construction of a new City Hall in the area. Mandaue is a first-class and highly urbanized city in the province of Cebu. As […]

A man's hand with globe-like structure and the logos of Open Finance and Project Nexus

Fintech in the Philippines – 2023 review

by the IDfy Team In 2023, the Philippines Open Finance Pilot was initiated and was considered a significant development for the Fintech sector in the Philippines. This groundbreaking project, spanning an 18-month trial period, aimed to explore advanced functionalities such as account consolidation and credit analysis. The initiative also brought together financial institutions and third-party […]

A mobile phone with the new digital app alongside a Zed credit card

Credit card sector set for disruption with the launch of the Zed “no-fee” credit card

Zed, a digital bank based in the Philippines, is reshaping the credit card landscape with its groundbreaking offering: a Mastercard credit card that comes free of interest and annual fees. This innovative credit card is poised to eliminate several common charges, including foreign transaction fees, interest, and annual fees, potentially ushering in a new era […]

Photo showing the logo of both the SEC and Binance

NTC orders blocking of unlicensed investment platforms in PH, Binance remains accessible

Last month, the Philippines National Telecommunications Commission (NTC) commenced blocking the websites of crypto companies that offer investment products without the necessary licenses. Specifically, the NTC directed the blocking of access to the website and apps of the foreign exchange platform MiTrade. This platform had been accused of offering investment opportunities without the required license. […]

Hugot chocolates

Sweet success: Chocolate makers in Davao City used ‘hugot lines’ to capture a niche market

Have you ever come across “hugot chocolates“? They’re essentially chocolates featuring “hugot lines” – those sentimental quips about heartbreak, love, work, and other relatable life situations. This concept has been a key ingredient in the success of a chocolate maker based in Davao, capturing the hearts and minds of young people. Hugot chocolates (IMAGE CREDIT: […]

Illustration showing the important role of medical coding in the healthcare industry

HIMTI: Setting a global healthcare career path for Filipinos through AI and high-quality training

The Health Information Management Training Institute (HIMTI) has reached a significant milestone, setting a new standard in medical coding education. Medical coding, essential for translating patient information into a universal language understood by medical professionals, stands as a cornerstone of the healthcare industry. IMAGE CREDIT: https://annexmed.com Dr. Carlos Ongaco, HIMTI’s Co-Founder, proudly announced an unprecedented […]

Illustration showing a man's hands while doing digital banking

Navigating “disruption in banking” and other insights from the Asian Banking & Finance Forum

Companies are now facing not just tech transformations but also shorter skill lifespans for their workforce In an era marked by rapid disruptions — from the advent of generative AI to the challenges of talent retention and escalating costs — banks are now facing a pivotal choice: adapt to change or drive it themselves. Speaking […]

Photo of cloud mining machines

Don’t get scammed: Public warned against investing in cloud mining machines to mine cryptocurrency

The Bangko Sentral ng Pilipinas (BSP) has recently issued a warning regarding a company offering “cloud mining machines,” emphasizing that its operations are beyond the BSP’s regulatory scope. Cloud mining machines (IMAGE CREDIT: https://www.investopedia.com/) Cloud mining enables individuals to lease processing power from remote data centers for cryptocurrency mining without the need to manage physical […]