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One in Four Filipinos Has Used Buy Now Pay Later: Here's Why
Seeds for ThoughtSep 25, 2026

One in Four Filipinos Has Used Buy Now Pay Later: Here's Why

BillEase started offering installments on Lazada in 2017, back when most Filipino online shoppers were still paying cash to a courier at the door. Cashalo and TendoPay showed up the following year. None of it made much noise at the time. The product was mostly used by people buying phones who could not get a credit card, and the approval rates were low enough that plenty of applicants never got past the first screen. What changed things was the pandemic, like many others. Millions of people who

How to Get a Business Loan without a Credit History in the Philippines
Seeds for ThoughtSep 25, 2026

How to Get a Business Loan without a Credit History in the Philippines

If you run a small business in the Philippines and have never been approved for a bank loan, you have plenty of company. In the BSP's 2025 Consumer Finance and Inclusion Survey, 25% of Filipino adults had an outstanding loan. Formal lenders accounted for 16% of adults. Banks, on their own, accounted for 3%. If your business runs mostly on cash, as many do, there may be very little on paper for a lender to look at. No repayment record, no statements, nothing that shows up in a credit check. Th

KYC Meaning: What It Is and Why Payment Accounts Require It
Seeds for ThoughtSep 21, 2026

KYC Meaning: What It Is and Why Payment Accounts Require It

You signed up, you got the confirmation email, and then the dashboard asked for a selfie and a copy of your DTI certificate. If that is where you stopped, you are not alone. Verification is the single step where most new merchants stall. Perhaps there is a lack of what KYC is or why a payment company needs it before you can get paid. We cover what KYC means, why the Bangko Sentral ng Pilipinas requires it from every financial institution in the country, and what it does for you and your custome