TECHNOLOGY
Tonik builds on Google Cloud to accelerate financial inclusion, open banking innovation in PH
January 12, 2022 1:11 p.m.
SINGAPORE – Tonik Digital Bank (“Tonik”), the Philippines’ first digital-only neobank, is tapping Google Cloud’s advanced platform to accelerate financial inclusion for all Filipinos.
Leveraging Google Cloud’s expertise in scalable infrastructure, application programming interface (API) management, machine learning (ML) and data analytics, the bank has taken just 10 months to become an established leader in open banking innovation and delivering next-generation financial services.
Tonik, which is part of Singapore-headquartered fintech firm Tonik Financial Pte. Ltd., was launched in March 2021 after obtaining an initial rural bank license from the Bangko Sentral ng Pilipinas (BSP). Its digital platform provides core services like deposits with interest rates of up to six percent per annum.
There are also unique features for customers to create separate pockets of savings to meet specific goals over time called “Stashes,” such as affording a vacation, a college education, or accumulating an emergency fund.
“Fewer overheads from being branchless allows us to offer industry-leading interest rates that enhance Filipinos’ financial wellness, but our value proposition cannot be solely driven by lower costs. We have had to first earn the trust of consumers by investing heavily in a superior customer experience,” said Greg Krasnov, Founder and CEO, Tonik. “Google Cloud has enabled us to deliver frictionless and customer-centric services that allow Filipinos to easily embrace the financial system. This collaboration – having played an integral role in Tonik being entrusted with more than US$100 million in consumer deposits to date – will empower us to continue expanding our product portfolio and drive real societal impact across the region.”
Secure APIs Open Up New Possibilities for Consumers and Developers
With the BSP requiring banks to conduct due diligence by verifying each customer’s identity to prevent fraud and money laundering, applying for an account traditionally involves individuals having to first visit a physical branch to present valid government-issued identification (ID) to an officer.
This makes it difficult for millions of Filipinos to open accounts or make deposits. Unlike urban cities that have bank branches or ATMs at every corner, the people in rural Philippines – who account for 52.6 percent of the total population[1] – must travel long distances and arrive before the branch closes.
By using Google Cloud’s Apigee API Management platform to build and scale open banking APIs, Tonik could quickly integrate its mobile application with capabilities from third-party providers to make account opening and cash deposits fast, seamless and convenient.
To help Filipinos set up accounts in under five minutes – instead of hours or days, Tonik interoperates with Daon, its partner for automated customer onboarding and biometric authentication.
The process starts with Tonik asking the customer for a selfie and a scanned copy of their ID. Tonik extracts text from these images through Google Cloud’s optical character recognition (OCR) APIs and shares the information with Daon through another trusted API.
Daon then cross-checks the customer’s identity against official sources that issued the ID. This complex data flow is invisible to the user, who only needs to download the Tonik mobile application, verify their identity for account opening, and start banking.
Using APIs, Tonik also exchanges data securely with authorized ecosystem partners like 7-Eleven convenience stores and pawn shops to capture transactions in real-time. When a user makes a deposit at a 7-Eleven, which are readily available across the Philippines, they would see the completed transaction on their Tonik application and start earning interest immediately.
“Interoperability is core to our business strategy and everything on our digital banking application is therefore API-driven,” said Arivuvel Ramu, Chief Technology Officer, Tonik. “As our architectural foundation, Google Cloud’s industry-leading Apigee API Management platform allows us to unlock new digital channels, expand our business model, and generate new revenue streams. While APIs are not new to conventional banks, they tend to be private APIs tailored for a specific partner, which means third parties cannot reuse that API. In line with our commitment toward supporting broader ecosystem innovation, we have taken the private APIs that we have developed and converted them into public APIs.”
Third-party developers who want to create new features or services for Tonik’s ecosystem of partners and users can now reuse its public APIs to do so expeditiously. Apigee also provides a sandbox environment for developers to test and refine what they have created. Issues that would cause downtime can then be identified and rectified before the feature or service is authorized and rolled out to its intended users.
“Customers trust us with sensitive information like demographic and transaction data. As a custodian of data and a facilitator of open banking innovation, it is imperative that we uphold the highest standards of consent management and API security. By capturing and managing customer consent on what data we are permitted to share with authorized third parties, Apigee ensures that we comply with stringent regulatory requirements like PSD2. Apigee simultaneously secures our APIs to avoid data breaches by malicious users,” said Ramu.
Pooling Insights to Deliver Financial Wellness and Hyper Personalized Customer Experiences
Tonik currently serves more than 190,000 customers. To further advance financial inclusion and achieve its target of growing its active customer base to a million users by December 2022, the bank has built an intelligent data lake using Cloud Storage on Google Cloud and BigQuery to provide hyper personalized customer experiences and help many Filipinos access loans for the first time. With data generated from every event along the customer journey and residing across systems, connecting datasets and analyzing them manually is an uphill task. A cloud-based contact center software, for example, captures customer interactions and feedback across channels, while a core banking system captures deposits and withdrawals.
By unifying data across systems and applying machine learning, Tonik can, for instance, implement quick and accurate alternative credit scoring methods. This enables it to serve individuals who have not formally engaged with financial institutions in the past, have no credit histories, and do not qualify for traditional bank loans as a result. Tonik has recently pioneered a consumer lending product called “Quick Loan” without the need for credit histories or collateral, followed by approvals within 30 minutes and real-time disbursement.
“To drive financial inclusion and transcend physical distance, pivoting to digital-first business models and customer interactions are now a necessity,” said Ruma Balasubramanian, Managing Director, Southeast Asia, Google Cloud. “Tonik, through its mature API- and data-led strategy, is creating an open finance ecosystem that will accrue richer digital user experiences and flexibility for players to securely share and maximize digital assets – with Filipinos the ultimate beneficiaries. Google Cloud is proud to be a part of Tonik’s innovation journey. We look forward to supporting the bank’s continuous commitment toward serving the Philippines’ unbanked and underbanked, while it scales for growth and empowers the region’s fintech developer community.”
TECHNOLOGY
From raffle to reality: Infinix GGWP winners get their gold
1:05 p.m. January 31, 2026
Infinix officially wrapped up its highly anticipated gaming-themed promo, Infinix GGWP: Get Gold With Phones, with a special awarding program held on January 23, 2026 at the Infinix Concept Store, SM North EDSA, where winners received their prizes alongside Infinix representatives.
The campaign’s grand finale was first marked by a live raffle draw on January 12, 2026, streamed on the brand’s official TikTok page, @infinixphilippines, announcing 50 lucky customers as the campaign’s champions.
The multi-week promotion rewarded Infinix customers with a rare and premium collectible: the Infinix x MPL Mythic Gold Coin, created in collaboration with the Mobile Legends: Bang Bang Professional League (MPL), one of the most influential esports leagues in the country. Each gold coin symbolizes achievement and victory, and is carefully packaged in a premium box with an official certificate of authenticity to ensure its collectible value.
Eligible participants included customers who purchased any Infinix NOTE 50 Series or GT 30 Series smartphone from November 22, 2025, to January 4, 2026, with each purchase automatically granting one raffle entry for a chance to win. Valued at approximately PHP 40,000, the gold coin serves as both a trophy and a testament to Infinix’s dedication to gaming culture and its growing community of mobile gamers.
The winners were later celebrated in an exclusive awarding program where they received their gold coins in person, alongside Infinix representatives who congratulated them on their victory. Jelly Buan, Infinix Marketing Manager, shared, “We are thrilled to celebrate our customers’ passion for gaming with the Infinix GGWP campaign. This awarding program allows us to personally thank our community and reward their loyalty in a way that is meaningful and memorable.”
Winners also expressed their excitement during the awarding, sharing their personal experiences and heartfelt appreciation for the prize.
For Marivic Alfonso, who purchased the NOTE 50 Series, the news of her win was nothing short of overwhelming. She recalled how her children were the first to deliver the surprise.
“I jumped for joy and cried when I found out from my kids that I was a winner,” she shared, still visibly emotional during the ceremony. Holding her Infinix x MPL Mythic Gold Coin, she added, “I’d like to thank Infinix for this. This will really help my children in their studies when the time comes.”
Christine Salaza, another NOTE 50 Series buyer, also had a story rooted in family and gratitude. She revealed that the phone she purchased was actually a thoughtful gift from her closest friend.
“I got the NOTE 50 as a gift from my best friend,” she said with a smile. Expressing what the win meant to her, Christine added, “Thank you Infinix, I can use this to help my parents.”
Meanwhile, first-time raffle winner Jennelyn Montecalvo, who bought the GT 30 Series, described how her partner’s love for gaming and Mobile Legends first drew her to the brand.
“Actually, my partner is really a fan of Infinix cause he likes to play MLBB, so he told me when he comes back from overseas he’ll really buy an Infinix phone,” she shared. Winning the gold coin was a moment she never expected. “Thank you so much Infinix, not only do I have a phone, but I also got a gold coin. And it’s my first time winning a raffle so I’m really grateful.”
For Edward Tan, who purchased four phones for himself and his family across the NOTE 50 and GT 30 Series, the GGWP campaign reaffirmed his trust in the brand’s promise of value and performance.
“Infinix Philippines continues to deliver high-quality smartphones at an affordable price,” Edward said. “Compared to the more expensive devices I used to buy, which often didn’t feel worth the cost, Infinix gives me exactly the performance and reliability I need without stretching my budget.”
The awarding ceremony drew an enthusiastic crowd, highlighting the excitement and joy of the winners as they received their Infinix x MPL Mythic Gold Coins. Events like this allow Infinix to connect personally with its community, reinforcing the brand’s presence in the mobile gaming space while blending technology, entertainment, and culture to reward customer loyalty in meaningful and memorable ways.
For the latest updates on Infinix promotions, product launches, and community events, follow @infinixphilippines on Facebook, Instagram, and TikTok.
TECHNOLOGY
HONOR X9d 5G smashes 1st-day sales, up 160% over HONOR X9c 5G
8:59 p.m. January 29, 2026
Leading global AI smart devices provider HONOR Philippines had a fantastic start to the year with the launch of its newest smartphone, the HONOR X9d 5G. The brand kicked things off on January 1 with its viral drop tests, followed by the star-studded HONOR X9d 5G vs. Tesla Cybertruck experiential event, culminating in its grand launch at the Grand Hyatt. On January 24, the HONOR X9d 5G officially hit stores nationwide with a record-breaking first-day sales performance, posting a 160% increase compared to its predecessor, the HONOR X9c 5G.
“On behalf of HONOR Philippines, I thank our loyal HONOR fans, partners, and media friends for the overwhelming support for the HONOR X9d 5G. This success would not have been possible without your trust and belief in us. We are truly grateful, and we promise to continue bringing you tougher, smarter, and more exciting innovations,” said HONOR Philippines Vice President Stephen Cheng.
Celebrating HONOR X9d 5G
Positioned as the most durable smartphone in the market, the latest HONOR X9d 5G showcases all-around drop, water, and dust resistance, ensuring it can withstand drops from heights of up to 2.5 meters onto certain surfaces. Reinforced by HONOR Ultra-Bounce Anti-Drop Technology, Non-Newtonian fluid, and new ultra-tough deep-tempered glass, the device is safeguarded against 10 more types of stone-ground impact and even air-gun shooting.
On January 24, a grand fan fest was held at SM Megamall Fashion Hall, bringing together OPM icons Sponge Cola, HORI7ON, Fitterkarma, Shanne Dandan, Figvres, and Pommelo. To the delight of pre-order buyers, HONOR gave away exclusive collaboration shirts with Linya-Linya, along with other exciting prizes throughout the day.
HONOR X9d 5G is now available nationwide!
Coming in three exciting colors, Reddish Brown, Midnight Black, and Sunrise Gold, HONOR X9d 5G if priced at Php 18,999 with FREE HONOR Gift Box and Jisulife Life Fan5. Head to any HONOR Experience or Partner Store, or shop online via Lazada (https://bit.ly/Laz_X9d_PR), Shopee (https://bit.ly/Shop_X9d_Media), or TikTok Shop (https://bit.ly/TikTok_X9d_Media).
With Home Credit, you can get the HONOR X9d 5G for as low as Php 24 per day with an additional Php 1,000 discount, payable for up to 18 months. The promo runs until February 15, 2026. Apply here: https://bit.ly/HomeCredit_X9d_FB.
For more exciting announcements, visit HONOR’s website www.hihonor.com, and follow HONOR Philippines on Facebook (Facebook.com/HonorPhilippines), Instagram (Instagram.com/honorph/) and TikTok: (Tiktok.com/@honorphilippines) for exclusive teasers, launch updates, and big reveal.
TECHNOLOGY
DigiPlus earns first ASEAN Golden Arrow Award for corporate governance excellence
10:10 p.m. October 24, 2025
DigiPlus Interactive Corp. (DigiPlus), the country’s digital entertainment provider behind BingoPlus, ArenaPlus, and GameZone, achieved a major milestone in corporate governance excellence by earning its first-ever Golden Arrow Award.
The recognition was conferred on Oct. 23, 2025, during the awarding ceremony organized by the institute of Corporate Directors (ICD), the Philippines’ Domestic Ranking Body (DRB) for the ASEAN Corporate Governance Scorecard (ACGS).
DigiPlus received a 2-Golden Arrow Award, one of the five levels of distinction granted to publicly listed companies that demonstrate outstanding corporate governance performance.
The Golden Arrow Recognition is among the Philippines’ most prestigious corporate honors, recognizing companies that lead in transparency, accountability, and integrity.
Anchored on the ACGS framework, it evaluates how effectively organizations uphold shareholder rights, engage stakeholders, promote sustainability, ensure transparency, and maintain strong board oversight in alignment with both local and international governance standards.
“Earning our first Golden Arrow affirms DigiPlus’ commitment to upholding the highest standards of corporate governance,” said DigiPlus Chairman Eusebio H. Tanco. “We are proud to be recognized among the country’s most trusted, publicly-listed companies and remain focused on creating a long-term value for our shareholders, stakeholders, and the customers and the communities we serve by leading with transparency, accountability, and integrity.”
The Architect of the Blue Hour
From raffle to reality: Infinix GGWP winners get their gold
TCL shines at 61st Anvil Awards, securing 4 major honors
