Thursday, April 11, 2019

What You Need to Know About Excessive Sweating and How to Treat it at Home

Did you know? Hyperhidrosis is often referred to as a “silent handicap” because sufferers, who experience excessive sweating, rarely talk about it to health professionals or their loved ones. In fact, many do not even know it is a medical condition or that there is a word for it!

Does excessive sweating negatively impact your lifestyle? 
• Hyperhidrosis is a common medical condition characterized by excessive sweating affecting up to 4.8% of the global population.

• Studies show that hyperhidrosis has a severe impact on the quality of life of its sufferer, and can have negative impacts on their social life, general wellbeing, and mental health.

Are you always worried about shaking hands with other people?
• The areas most commonly affected by hyperhidrosis are the hands, feet, and underarms, but can also include other areas on the body, including the face/head, and back.

• Its impacts can even be greater than other dermatological conditions, such as severe acne or psoriasis. 

Do you suffer from excessively sweaty feet?
• There is no cure for hyperhidrosis, but highly effective treatment through iontophoresis is available.

Studies show that the success rates of iontophoresis devices can reach 93%, 98.5% and even 100% of patients treated for hyperhidrosis. Iontophoresis has been used to treat hyperhidrosis since the 1940s. It is often recommended for those who have not had any results with other treatments, as well as those who require stronger treatment.

Conveniently treat hyperhidrosis at home with Dermadry! 
Dermadry is a tap-water iontophoresis machine that treats different levels of hyperhidrosis ranging from mild to severe. Setup can be done within a few minutes. You just need access to a plug and some tap water. This solution works by directing a small current through the skin, neutralizing the connections between the sweat nerves and sweat glands. Dermadry is suitable for most people over the age of 13.

Get rid of sweaty underarms with a Dermadry home treatment!
From clinical trials and studies, it was found that 92.9% of patients saw results after two weeks of iontophoresis treatments, 88.9% of patients had positive results, and a majority of the patients found the maintenance program compatible with their lifestyle. Additionally, quality of life improved in 78.6% of patients after 2 weeks. 

Dermadry is dermatologist-recommended and has a Medical Device License from Health Canada. The company’s quality system is certified by Intertek for compliance with ISO 13485

If you believe in having PASMA, watch this to see how it can actually be a medical condition!  

Dermadry products are sold in their website, as well as eBay and Amazon in certain countries. They offer free express shipping worldwide. If you’re not sure if it’s right for you, Dermadry also offers a 60-day money back guarantee so that you can purchase with confidence.

Saturday, May 26, 2018

Have Fun in the Sun But Be Kind to Your Skin—The Sun Patrol is Watching!

Protect your skin this summer with one of the most effective sun products in the market! Click here to read some of my past reviews about Kojie San ...

Press Release:

The summer heat is on full effect! Time to get out there, get that golden tan in your most stunning summer threads, and sit back with a nice cold refreshing beverage in hand. Pretty sight, isn't it?

However, while the sun, sea, sand, and breeze collectively paint an amazing imagery of summer, one could also imagine how these elements can damage the skin when exposed without protection.

Have you ever stepped outdoors without any sun protection? You'd be surprised a lot of people are guilty of this. While we all dread the signs of aging, most of us don't make an effort to be kind to our skin.

Some might say they actually protect their skin by using sunblock. But probably the important question to ask is, are you doing enough and are you doing it right?

Have you ever gone out of the house without an SPF of at least 30? Do you apply sun protection only on your face and neglect the other exposed parts of your body? Do you forget to reapply sunscreen every two hours? Do you apply less than a pea- sized amount of sunblock on your face?

If you answered YES to these, then you are committing serious violations against your skin.

Better be on the lookout then because The Kojie•san Sunblock Sun Patrol is watching to see if you commit more skin care violations and they could make a Citizen’s Arrest! Before they get to you though, you've got to make sure you know a couple of things. 

A variety of factors can cause damage to your skin but the biggest culprit is sun exposure! The sun’s ultraviolet rays break down collagen and elastin, making the skin rough and uneven. These rays also affect the melanocytes, which have something to do with the skin’s pigmentation.

What’s worse is that when your skin ages prematurely due to unprotected sun exposure—you can get wrinkles, brown spots and even skin cancer!

What can you do to prevent this? Stay out of the sun during the middle of the day when the sun’s rays are strongest, wear protective clothing such as hats and umbrellas and use a broad-spectrum sunscreen, which protect against both UVA and UVB rays, with a sun protection factor of 30 or higher. And yes, before the Kojie•san Sun Patrol makes another Citizen’s Arrest—don’t forget to reapply every two hours for maximum protection.

Kojie•san Sunblock is the only sun care brand in the Philippines with Sunactyl, which helps relieve and repair skin from sun damages caused by sun exposure.

Sunactyl protects the skin against UVA and UVB damage through the glutathione system. It also fights UV-stress and heat-stress.

The products include Kojie•san Sunblock SPF 69 PA+++; Kojie•san Sunblock Face SPF 50 PA+++; Kojie•san Sunscreen SPF 55 PA+++ with Lightening; Kojie•san Sunblock Sport SPF 50 PA+++; Kojie•san Before Sunspray SPF 50; Kojie•san After Sunspray and Kojie•san Kids SPF 30 and SPF 50.

All Kojie•san Sunblock products have broad-spectrum protection against harmful UVA and UVB rays to prevent sunburn and premature skin aging.

So don’t be afraid to go out in the sun and enjoy the beach and indulge in other outdoor activities. But make sure to slather on your Kojie•san Sunblock because the Kojie•san Sun Patrol is ready to make a Citizen’s Arrest anytime you commit a skin crime.

If you want to know more about this, go to the @kojiesansunblockph Facebook page.

Tuesday, September 26, 2017

Phytosterol in Canola Oil Reduces the Risk of Coronary Heart Disease

Love fried foods? You would want to read this!

Press Release:

Filipinos love fried foods. They love the crispy-crunchy sound these make with every bite, but they like the delightful taste of fried food—whether it’s chicken, beef, pork or fish—even better. How can else can you explain why Filipino families are big fans of fastfood chains that serve fried chicken, fried tapa, fried pork liempo, etc.?

Fry your favorite food without the fear of jeopardizing your own health 
with Golden Fiesta’s Canola Oil. It boasts of a rich phytosterol content 
that reduces your body’s cholesterol level
This trend has raised the alarm among health advocates who associate frying with the liberal use of cooking oil, which is flagged as a product that is detrimental to one’s cardiovascular health.

Fortunately, not all cooking oils are the same, and not all of them are harmful to your body—not when you use the right one.

In fact, scientific studies show that there is actually a heart-healthy nutrient found in canola oil, which lowers one’s bad cholesterol (LDL) level and minimizes one’s risk of acquiring coronary heart disease and hypertension.

Yes, you read that right—canola oil is a cooking oil that you can use for frying without jeopardizing your heart health.

But first, what is canola and what are the benefits we derive from it?

Canola is extracted from grapeseed, which is low in uric acid and glucosinolates. Thus, while canola oil is characterized by a low level of harmful saturated fatty acids, it has substantial amounts of monounsaturated fatty acids, which are touted to have positive effects on cardiovascular health through the regulation of plasma lipids and proteins.

Eating fried dishes does not have to be an unhealthy experience 
with Golden Fiesta’s Canola Oil, a rich source of the heart-healthy nutrient phytosterol
In 2006, the US Food and Drug Administration declared that “eating about 1½ tablespoons (19 grams) of canola oil daily may reduce the risk of coronary heart disease due to its unsaturated fat content.”

Research published in Nutrition Reviews further reveals five studies that compared canola-based diets with typical Western diets and found evidence that canola was able to reduce total cholesterol levels by an average of 12.2%. This cholesterol-reducing action is made by possible by canola’s phytosterol content.

Phytosterols, like sterols and stanols, are natural plant-derived compounds that are structurally related to cholesterol. Studies have shown that an intake of 2 grams per day of stanols or sterol reduce low-density lipoprotein by 10 percent.

The USDA has also acknowledged that plant sterol or stanol is generally recognized as safe by manufacturers, and has authorized them to claim that foods rich in phytosterol may reduce the risk of coronary heart disease—one of the leading causes of morbidity and mortality, not just in the US but in the rest of the world.

Indeed, years of scientific evidence have increasingly bolstered the status of canola oil as one of the healthiest oils we can ever use. This explains why canola is the third largest vegetable oil produced after palm oil and soybean oil, and is also the second most consumed cooking oil in the United States.

Golden Fiesta Canola oil is rich in a heart-healthy nutrient called phytosterol, 
which lowers the body’s cholesterol level by 15 percent 
and reduces one’s risk of acquiring coronary heart disease
So go ahead and enjoy your favorite fried foods. Just be a smart consumer and choose the cooking oil that is best for you.

NutriAsia Golden Fiesta Canola Oil is a good source of phytosterols. Two grams of phytosterols per day may potentially reduce the risk of coronary heart disease.


  • MARTIN B. KATAN, PHD; SCOTT M. GRUNDY, MD, PHD; PETER JONES, PHD; MALCOLM LAW, FRCP; TATU MIETTINEN, MD, PHD; AND RODOLFO PAOLETTI, MD.  Efficacy and Safety of Plant Stanols and Sterols in the Management of Blood Cholesterol Levels.  Mayo Clin Proc. 2003;78:965-978
  • USDA National Nutrient Data Base
  • US Food and Drug Administration Federal Register of September 8, 2000 [65 FR 54686]

Thursday, September 21, 2017

HOOQ Inks Exclusive Deal with Disney, Gets Rights to 3 of Marvel's Latest Series

Exciting news! HOOQ joins hands with Disney to bring Marvel's latest series Inhumans, Runaways, and Cloak and Dagger to viewers same day as the US telecast!

Press Release: 

PHILIPPINES, 18 SEPTEMBER 2017. HOOQ – the largest Video on Demand service in South-East Asia, gets exclusive SVOD rights to bring three of Marvel’s latest series – Marvel’s Inhumans, Marvel’s Runaways, and Marvel’s Cloak and Dagger – on the same day as the US telecast on their platform for the Philippines, Indonesia, Thailand and Singapore, via a newly inked deal with The Walt Disney Company South-East Asia.  

While the first chapter of Marvel’s Inhumans has been released last week worldwide in IMAX® theatres, the following episodes will then be available on HOOQ from the end of September with additional exclusive content, not seen in IMAX ® theatres.  

Next up will be Marvel’s Runaways which debuts on digital on November 21st, 2017.  Marvel’s Cloak and Dagger will be released later on in 2018.  All these will have all episodes screened same day as the US telecast. These 3 new series will join the collection of Marvel movies and series already on the HOOQ platform – the recent Guardians of the Galaxy Vol.2, Agent Carter, Agents of S.H.I.E.L.D., Marvel’s the Avengers, Thor, Iron Man, Iron Man 2, and Captain America – The First Avenger.   This exclusive deal comes shortly after HOOQ announced their collaboration with Disney, earlier this year to bring their latest movies onto the platform via Transactional VOD (TVOD).   

“HOOQ is always looking for new ways and partnerships to bring exciting and quality content to our viewers.  This tie-up with Disney, which now allows our viewers to catch their favourite series Inhumans, Runaways and Cloak and Dagger on the same day as the US telecast is something we are very proud of and brings the world of Marvel’s superheroes closer to Asia. Marvel’s series’ now available on HOOQ is the first of many things to come with this tie-up and we will continue to push boundaries, to evolve and stay committed to delivering unique, compelling and edgy stories to millions of our customers in the region,” said Chief Executive Officer of HOOQ, Peter Bithos.  

“We are excited to extend our collaboration with HOOQ in bringing these iconic Marvel shows day and date with the US telecast to digital audiences across Southeast Asia.  We are pleased to offer our Marvel fans yet another platform to enjoy their favourite TV shows" said Amit Malhotra, VP and GM of Media Networks, The Walt Disney Company Southeast Asia.  

Marvel’s Inhumans is the latest series from Marvel Studios and its first chapter is shot completely in IMAX® cameras.  After the Royal Family of Inhumans is splintered by a military coup, they barely escape to Hawaii where their surprising interactions with the lush world and humanity around them may prove to not only save them, but Earth itself.   

Marvel’s Runaways will be the first TV adaptation of the Marvel comic of the same name, where a group of teenagers find out not only do they have superpowers, but that their parents are supervillains.  Torn between filial piety and being heroes, they will face adversaries like never before.   
Marvel’s Cloak and Dagger, also follows the characters of the Marvel comic of the same name. Heroes Tyrone Johnson and Tandy Bowen share a symbiotic relationship as a crime fighting duo since they are Light and Darkness incarnate. These series are all set within the Marvel Cinematic Universe.  


It’s easy to get HOOQ’d.  Customers can simply download the HOOQ app from Apple Store or Google Play, sign up or log in, to access HOOQ’s extensive library of Hollywood and local hits.  Find out more and sign up today for a 30-day free trial at  You can also get HOOQ bundled with Globe At Home and Globe postpaid and prepaid plans.   

Monday, September 18, 2017

Gelatofix Officially Opens Its Door to a New World of Gelato

Aside from the yummy gelato, make sure to visit Gelatofix and try their pasta and risotto dishes. They're soooo lip-smacking good!

Press Release:

MANILA, PHILIPPINESGelatofix, an Italian Artisanal gelato café, officially opens its doors in its first Philippine branch at the Bonifacio Global City (BGC), Taguig.  The world-class café is renowned for its over the top gelato creations and exquisite Italian cuisine created by award-winning chefs, Gelato World Cup Champion, Master Chef Filippo Novelli and Gelatofix Master Chef David Chang. 

A Place To ‘Gelato-fix’ And Chill!

The philosophy of Gelatofix is to give everyone a place where they can ‘hang their hats’ which is an Italian way of saying, ‘take a break’. Wilson Lim, Executive Director, International Business, Singapore’s Commonwealth Capital Group exclaims: “Like a true Italian, we love our gelato and believe no day is complete without our fix of gelato.  With Gelatofix, we wanted to showcase a piece of Italian heritage with each gelato experience by our Filipino customers. Here, we use only the most natural ingredients, prepared via a process that is both masterful and artisanal.” 

Signature Creations & Award-Winning Master Chefs

Gelatofix has the most remarkable handcrafted gelato masterpieces created by the Gelato World Cup Champion, Master Chef Novelli. Lim enthused: “We are known for having the smoothest and creamiest Italian gelato and for our first class and exquisite gelato gourmets from piatti (in plates), coppe (in cups), toasts and cakes. But what we are most proud of is the ‘Gelato Sushi’ creation by Master Chef Novelli.” 

Lim also boasts of their signature toast box, also known as the ‘Magic Boxx’, created by Gelatofix Master Chef David Chang. It is a unique fusion of Asian bread toasted to perfection, cubed in sweet buttery texture, topped with Italian gelato and served with a treasure chest of renowned Gelatofix chocolate sauce. 

Extraordinary Café’ Menu

Other than gelato, Gelatofix also serves nutritious gourmet salads, rich-flavored soups, lavish mains, and to-die for beverages. For the health-conscious, there’s the Italian-inspired gourmet salads that balances off the greens with fruits and dressing, topped with a creamy scoop of Fior di Latte gelato. If you want something unique for an entrée, try the pasta selection with Portobello mushrooms, crunchy prawns, succulent squids and juicy parma ham. And for those who are looking for local flavors, Gelatofix provides an array of the best and locally curated Filipino-inspired dishes.

Growing Gelatofix in the Philippines & the World

“We will be the first in the Philippines to launch an authentic Italian dessert lifestyle café chain under Gelatofix. It will be the destination of choice for both young people and working adults who are in the prowl for mouth-watering yet guilt-less gelato and food offerings which make a serious play on both Italian and local flavors,” said Mr. Von Lacorte, Director, Gelatofix Philippines.  

He adds that another five new Gelatofix outlets will be added over the next 12 months in Metro Manila so more people will have the ‘fix’ they need, whenever and wherever they crave for it.

Internationally, the Gelatofix café chain will be available in Cambodia, Kuwait, Maldives, and Qatar.  

Thursday, July 27, 2017

Don’t Miss the Last Few Days to Score Fresh Deals at Robinsons Supermarket’s Freshtival!

One of the things I love about Robinsons Supermarket is their advocacy to encourage Filipinos to eat healthier. As we celebrate Nutrition Month this July, may each of us be more mindful of our food choices so that we can enjoy life longer with our loved ones. Read below why you should catch the awesome Freshtival offerings before the promo ends!  

Press Release:

Robinsons Supermarket's Freshtival is coming to a close, but shoppers still have a few days to score a wide array of fresh items that are conveniently available and easily affordable.

Mark your calendars  
Now on its 4th year, Freshtival continues to further promote the supermarket’s fresh section products by also giving shoppers exciting discounts, freebies, and special offers in July.

Every Monday, shoppers can buy a kilo of Supersavers Pork Barbeque to get an additional half a kilo free. They can also get P10 discounts on every kilo of Robina Farms Pork Pata Front, Robina Farms Pork Rib Shoulder, or the Supersavers Pork Chop Skin-On Bone-In.

Shoppers can enjoy a kilo of Magnolia Assorted Chicken Cut Ups for only P110. Those who purchase Magnolia Free Range Chicken on July 28 can get additional 15 Robinsons Rewards Card Points.

Fruit lovers will have more reasons to drop by Robinsons Supermarket every July weekend with a buy 1, take 1 promo on Fuji Apples and Grapes. Kids can also get an early start to healthy eating with a free apple in select Robinsons Supermarket branches. Shoppers may also enjoy Whatta Tops Chocolahat or Mango Graham while saving P5. 

Every Friday, Saturday and Sunday of July, shoppers can get 2 free packs of Supersavers Cheese Slice 90g when they purchase CDO Highlands Premium Beef Patties 452g and free Magnolia Popsies Choco 65ml for every pack of Purefoods Tender Juicy Jumbo Hotdog 1kg. 

Fresh ideas to keeping healthy
The Freshtival also introduces selected vegetable produce grown from farms that follow Good Agricultural Practices (GAP). These GAP-certified farms minimize the use of pesticides to give consumers more affordable options aside from buying organic produce.

In selected stores, the month-long Freshtival also features hydroponic vegetables that are free of pesticides and grown in nutrient-rich water, as well as Halal frozen products.

Shopping for fresh items during the Freshtival can also be extra rewarding for Robinsons Rewards members as every purchase of participating items in select stores can earn them an extra 10 points.

Robinsons Supermarket’s Freshtival is freshly rewarding. To know more about upcoming promos and events, please visit Robinsons Supermarket’s official website or Facebook page. 

Wednesday, July 19, 2017

Oishi Snacktacular 2017 is Happening this July!

I was at Oishi's Snacktacular event last year (read all about it here) with my son who gamely joined the activities with me (read his writeup, here). This year, we're looking forward to visiting the exciting booths once again. Plus, the venue is in our part of the Metro! 

Press Release:

We’ve witnessed Panya, Hippy, Pilyo, Waifu, and the rest of the Oishi Friends in their slightly dark but humorous mishap adventures in Oishi’s famous webcomic strip series. With the friends’ varying appearances and personalities inspired by Oishi snacks, who can resist these adorable characters? And now, see them come to life in this years Oishi Snacktacular 2017 at Festival Mall, Alabang this coming July 28-30. Meet and eat the yummiest gang as Oishi’s innovative and interactive booths make their comeback with a twist!

We all know that Make Your Own Snack allows us to be inventive by choosing and mixing your chips and flavors of choice. This year, you choose a dip (or two) that you want to try with your favorite Oishi snack! Ridges dipped in chocolate? Why not! How about your favorite Fishda dipped in cheese and honey mustard? Trust us, it’s worth trying! 

O-Twirl is also offering something new to Oishi’s soft served ice cream with another flavor for you to try! Choose between Oishi Choco Chug and Oishi’s newest tetra drink, Tea Matchi Matcha milk tea! Don’t forget to top it off with 2 Oishi toppings!

This year’s Cuckoo Blaster is double the fun because you get to pair up with your friend (or stranger) in matchy Cuckoo geared suits to catch as many balls you can. The more balls you catch as a team, the more Oishi drinks each player wins. Two Cuckoo Birds are better than one!

Crowd favorite Oishi Snack Catcher is back! Dive into an enormous pool of Oishi snacks and grab all the treats you can take with your own hands! And of course, the Snack Shack booth will be there where you can fill up your 2-foot Giant Pack with your favorite Oishi Snacks in 60 seconds.

Don’t miss your chance to try out all these with your favorite Team O members, Alex Gonzaga, Maine Mendoza, Daniel Padilla, and Kathryn Bernardo! Drop by Oishi Snacktacular, the most O,Wow event of 2017!

#OishiOWow #OishiSnacktacular

Sunday, July 16, 2017

Ketchup Mayo Fries is Back at Freezer Burn!

Love French fries? This one is a must-try!

Press Release:

This July, an old favorite is making its way back to our ice cream shop.

The Ketchup Mayo Fries à la Mode — the oddball flavor Freezer Burn debuted last year — is officially back.

It’s as weird as it’s enjoyable, with salt and pepper fries accompanying your Ketchup Mayo ice cream, which then turns into a milky dip as it melts. If you so desire, you can also have it now with twister fries! 

It doesn’t stop there. If you drop by Freezer Burn from July 10 to July 31, you can treat yourself to a solo serving of Ketchup Mayo Fries for just P95 or you can invite your family and friends and get a bigger carton (for sharing) at only P195!

Get the Ketchup Mayo Fries at Freezer Burn, Q3 (Ground Floor), Bonifacio High Street, Bonifacio Global City, Taguig City.

Thursday, July 13, 2017

The Workshop: A Pastry Chef’s Space to Create and Innovate

I've been to Le Petit recently to attend a product launch and they serve quaint, delicious snacks. I'm coming back soon to try that mouthwatering guava cheese tart!

Press Release:

Never ones to be satisfied by trends or convention, rising culinary stars Chef Miko Aspiras and Chef Kristine Lotilla have made it their mission to elevate the Filipino dessert experience. Located within the Le Petit Soufflé restaurant in the Mega Fashion Hall is their latest offering to the Metro Manila food scene—the Workshop Bespoke Bakery

A workshop is a space brimming with possibilities. It is a place where people hunker down to create, experiment, and labor with much dedication and love. This is what this new bespoke bakery is for the two young chefs. Chef Miko confides, “As pastry chefs, we wanted a space where we could create. If we ever got inspired, there would be a space for us to do it. This is our working shed.”

Each one armed with a background in hotels, the two wanted to go beyond the usual cupcakes, brownies, and cakes and prove that Filipino talent is capable of so much more than your run-of-the-mill desserts. “All of our offerings are made of the finest ingredients, crafted with technique and precision. We give painstaking attention to detail, flavors, and quality. Each creation speaks of our team’s dedication to the art of desserts,” explains Chef Kristine. 

The chefs are committed to educating and training each member of their staff, sharing their knowledge of the technique required to produce high quality pastries. “Many of our staff have no culinary background, and we strive to train them to become skilled patissiers and bakers,” she emphasizes.

Customers can expect unusual menu items such as the Matcha Canelé, the Guava Cheese Tart, artisanal Valrhona chocolate bars, and decadent Entremets — treats you would be hard pressed to find in just any restaurant. And the best part is that the chefs are more than willing to customize desserts for hopeful customers, using all of the flavors, techniques, and inspirations they have gathered from their travels. The Workshop is where fancy meets fun and avant garde. Your potluck dessert contribution will never be the same. 

“We try to be risky with our desserts. We want to introduce new flavors and techniques. We owe this to our fellow Filipinos!” Chef Kristine says. With that in mind, customers must visit the workshop with a hungry stomach, a craving sweet tooth, and most importantly, an open mind and heart. 

“Be adventurous! It will be worth it,” Chef Miko promises. “This is our invitation: take a bite out of our joy!”

For more information on the Workshop, LIKE  Workshop_ph on Facebook and FOLLOW @workshop_ph on Instagram.

The Workshop is a bespoke bakery by Chefs Miko Aspiras and Kristine Lotilla located inside Le Petit Soufflé in Mega Fashion Hall. A bakery par excellence, Workshop’s creations are made fresh daily, with the finest ingredients and crafted by skilled patissiers and bakers.

Monday, July 10, 2017

Low-Cost Remittances and More Made Easy via TrueMoney's Large Network

Financial services have just become more accessible to "underbanked" or "unbanked" Filipinos who prefer face-to-face transactions over online-based business models. Read this to know why TrueMoney is breaking the mold of a typical FinTech startup company and how it is building its large network all over the Philippines ...  

Press Release:

FinTech” (short for Financial Technology) is an extremely hot industry sector in business today. Talk to any tech investor or Venture Capitalist out there and they will tell you how investment into FinTech companies and start-ups has soared in the past two years. In 2016 alone, according to data accumulated by investment bank Financial Technology Partners, FinTech companies globally raised a total of US$36 billion in funding.

Xavier Marzan
FinTech is especially attractive in emerging markets like the Philippines because of the massive opportunity to serve those without access to efficient payments and banking services today. And according to the Bangko Sentral ng Pilipinas (BSP), this number of “underbanked” or “unbanked” Filipinos is still around 70% of working adults today. 

However, skim through these FinTech companies and you’ll find that most, if not all, existing FinTech players have a skew towards an app-based service or digital-first business model. 

Enter TrueMoney, the latest mobile financial services provider in the market. The company started out with a totally different view of how to provide FinTech services— its focus on face-to-face transactions. 

TrueMoney POS terminal
“Our mission is to provide affordable and innovative financial services to those who are underbanked and underserved today,” says TrueMoney Philippines CEO Xavier Marzan. “That means going beyond a purely digital UI (user interface) and being present in the physical world where these segments are transacting today.”

The strategy seems to be working. The company has only been in operations in the Philippines for less than a year and yet has achieved a level of size and scale that some of these FinTech start-ups are still aspiring for. In a matter of months, the company has grown from nothing into an organization with hundreds of employees across the country and with a distribution network comprised of 5,000 TrueMoney Centers which they manage with a high standard. These Centers are currently capable of performing remittance transactions, bills payment, gaming credits, and even payments for e-commerce purchases. 

a TrueMoney center in Pasig
“We need to bring underserved customers who don’t even use banking services today along a customer journey. This requires us to be pervasive across the country and be able to serve customers even in farther-flung areas,” Marzan adds. 

“Getting to this point, however, has not been easy,” says Mr. Marzan. “We had to contend with all kinds of challenges that are inherent in a ‘last mile’ business.” 

True enough, access to financial services has been hard to come by in majority of places in the Philippines, with nearly 40% of municipalities in the country not having any banking presence, according to a study by the BSP. 

TrueMoney in Bataan
Currently, TrueMoney Centers in the Philippines already provide convenient payments and financial services to provinces and far flung areas including Albay, Bataan, Benguet, Bohol, Bukidnon, Cagayan de Oro, Camarines Sur, Cavite, Cebu, Davao, Ilocos, Isabela, Laguna, La Union, Metro Manila, Misamis Oriental, Nueva Ecija, Nueva Vizcaya, Pampanga, Pangasinan, Quezon, Rizal, Tarlac, and Zambales and more!

“Where we are today is just the starting point,” Marzan says. “We are constantly growing our network of partner centers to cover more greenfield areas.” 

TrueMoney in Pangasinan

Given its large network today, TrueMoney has also started to offer domestic money remittance services. And true to its mission of providing affordable services, it has come out with one of the lowest sending rates in the country for cash-to-cash remittance services. 

While the average rates for domestic remittances today range from 3 percent to more than 10 percent for some providers, TrueMoney rates go as low as only 2 percent of the transaction amount—without any additional charges to the recipient. So say for remittances of P1,000, the total cost of sending is only P20. The recipient also gets the entire amount without any additional charges. 

“We are also constantly innovating our services and plan to offer more services in the future,” says Marzan.

To know more about TrueMoney and how to become a TrueMoney partner agent, visit or call (02) 7189999. You may even text them at 09778063775 (Globe) or 0998565999 (Smart).


About CP group:
The CP (Charoen Pokphand) Group is one of the largest conglomerates in the world. It is Thailand's largest private company and operates in several industries—agribusiness and food, retail and distribution, and communications. Founded in 1921, the CP Group employs over 300,000 employees, with investments in over 20 countries.

About  Ascend Group: 
Ascend Group is a digital commerce company headquartered in Thailand operating several businesses across Southeast Asia. It aims to be a regional player in several industries. Its mission is to create opportunities for all, through world-class digital platforms and services. With the company’s position as the leader of e-Commerce in Thailand, it has entered into several partnerships, including with Alipay and Google, to grow and become the leader in eCommerce and digital services in Southeast Asia by 2017.

Ascend Group provides cost-effective end-to-end e-Commerce services, with fulfillment solutions that enhance delivery efficiency for both online and offline sales channels, e-Payment and lending, e-Service business providing comprehensive digital marketing solutions, world-class data centers and cloud services, as well as venture capital.

About Alibaba Group:
Alibaba Group is a Chinese ecommerce company that provides consumer-to-consumer, business-to consumer and business-to-business sales services. It also provides electronic payment services, a shopping search engine and data-centric cloud computing services. In 2012, two of Alibaba's portals handled $170 billion in sales. As of December 2015, the company’s market cap value was about $212 billion. Alibaba has been the most dominant retailer in the world, generating more gross merchandise volume than and eBay combined. Its online sales & profits surpassed all US retailers combined in 2015

About Ant Financial Services Group 
Formerly known as Alipay, Ant Financial Services Group is an affiliate company of the Chinese Alibaba Group. It operates the Alipay payment platform. is a third-party online payment platform. It was launched in China in 2004 by Alibaba Group and its founder Jack Ma.  As of October 2016, Alipay has around 400 million users and controls just under half of China's online payment market. Alipay is the world's largest mobile and online payments platform since 2014.

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