Why Loan Defaults in the Philippines Are Still Rising, and What Your Credit Model Is Missing

Philippine consumer loan defaults are climbing. The numbers behind that trend raise a harder question than most lenders are asking. This piece breaks ...

6 min · 01 Jun 2026

Why Your Face is Better than a Code: The End of the OTP and the Return of Trust

The OTP was a sharable secret that left Filipinos vulnerable. Explore how AFASA and the shift to biometric liveness are removing the tax of fear from ...

3 min · 07 Apr 2026

How to Secure Every Transaction Without Losing the Customer

The harder you make it for a fraudster to get in, the more likely you are to lock out the very customers who keep your lights on.

4 min · 30 Jan 2026