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Fintech Insights for Philippine Banks and Lenders

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Filipino woman paying with her card on her phone at home, approved by face instead of an SMS OTP

The End of the OTP: Why Your Face Is Safer Under AFASA

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 ...

5 min · 07 Apr 2026
Developer working at a desk with code on a monitor and laptop

The Friction Tax: Transaction Verification That Keeps Customers

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.

5 min · 30 Jan 2026