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
Quick Flicks and Pro Clicks: Logitech brings fastest click technology with Latest PRO X2 SUPERSTRIKE
1:11 p.m. March 26, 2026
Logitech G raises the bar for competitive gaming performance once again with the launch of the PRO X2 SUPERSTRIKE, a next-gen wireless mouse that combines inductive analog sensing with real-time haptics.
Designed for elite precision and total control, the PRO X2 dramatically reduces click latency, enhances responsiveness, and gives players the power to personalize their click intensity like never before.
Industry-Leading Click Technology
Featuring a patent-pending SUPERSTRIKE technology, an industry-first innovation, the PRO X2 transforms how every mouse click is activated and felt. This new technology allows players to reduce the required travel distance to send the click signal. Improvements in click delay are shown to reach up to 30 milliseconds based on internal testing. This drastically transforms the way players compete and provides them the decisive edge they need to win virtual battlefields.
The PRO X2 introduces the Haptic Inductive Trigger System (HITS), which replaces traditional microswitches found in gaming mice. This system drastically improves click latency performance by sending tactile feedback to players so each click is felt the moment the signal reaches the PC.
By combining trigger response optimization with real-time click haptics, Logitech G sets a new benchmark in competitive mouse performance through the PRO X2.
Customizable Esports-Level Gaming Performance
Developed in collaboration with elite esports teams G2 Esports, NAVi, and BLG, the PRO X2 is made to meet the demands of high-level competitive play. Every element of the mouse is designed to support players in fast decision-making, precise execution, and unmatched consistency, whether competing in a professional environment or grinding ranked matches at home.
Beyond its impressive click system, the PRO X2 also introduces 10 selectable actuation steps, allowing players to fine-tune the actuation point of both main buttons. This level of control enables them to calibrate every click depth to match their preferred playstyle, role, or specific game requirements with zero hassle. These adjustments can be made seamlessly through Logitech G HUB software, giving them the flexibility to edit their settings without disrupting their momentum.
The PRO X2 also features LIGHTSPEED wireless technology that blends comfort and efficiency by delivering up to an 8 kHz report rate of untethered freedom. This end-to-end wireless solution ensures that every click and movement registers with exceptional speed and stability, earning the trust of esports professionals worldwide.
Precision Tracking Without Setbacks
Harnessing Logitech’s elite HERO 2 sensor, the PRO X2 SUPERSTRIKE enables a reliable 888 IPS tracking speed with sub-micron precision, up to 44,000 DPI mouse sensitivity, and over 88G acceleration. For players, this level of control not only supports quick wrist flicks and controlled micro-adjustments but also helps in split-second decisions that require fast reaction. Movements are assured to have zero smoothing, acceleration, or filtering, giving players the chance to showcase their raw and unfiltered skills.
Lightweight Design Built for Long Competitive Sessions
Following the award-winning design of the SUPERLIGHT 2, the PRO X2 weighs 61 grams to support fluid movements and long competitive sessions. Additionally, it comes with a long-lasting battery, reaching up
90 hours of constant use, to allow players to focus on their games without worrying about charge times.
The PRO X2 SUPERSTRIKE sets a new benchmark in player-controlled click innovation that redefines what competitive gaming hardware can deliver. Through Logitech’s advancing technologies, it brings together ultra-responsiveness and absolute control for a reliable wireless virtual performance.
Logitech G’s latest gaming mouse is priced at PHP 11,945 and is available exclusively on Shopee and Logitech Authorized Retail Partners and Gaming Specialists. To learn more about the product and upcoming product releases, follow Logitech G on Facebook. You may also visit http://www.logitechg.com for more product offerings.
TECHNOLOGY
OPPO Find X9 breaks barriers of mobile photography
9:22 a.m. March 24, 2026
Redefining what a flagship smartphone camera can achieve, the OPPO Find X9 sets a new standard for mobile imaging with its innovative capability to capture full-resolution 50MP photos by default, delivering unprecedented clarity without relying on shooting modes or manual tweaks.
This breakthrough delivers unprecedented clarity and detail, with 8K-level resolution across all three rear lenses every time you press the shutter, marking the brand’s biggest leap in camera innovation yet. It is designed specifically for creators, visual storytellers, and photography enthusiasts in mind.
Delivering Professional- Grade Quality with the LUMO Image Engine
While most smartphones downscale images to 12MP due to processing limits, the OPPO Find X9 overcomes this barrier with an industry-first imaging pipeline powered by the LUMO Image Engine. All rear cameras now capture crisp, ultra-clear 50MP photos by default, preserving deep textures, sharp edges, and rich detail even after heavy cropping or zooming. To fully appreciate its exceptional quality, users can tap the 8K icon that appears when viewing their photos in the default Photos app for a level of clarity and resolution previously only associated with professional cameras.
Meanwhile, LUMO’s real-time parallel processing enables the CPU, GPU, ISP, and NPU to work simultaneously, enhancing clarity while cutting power consumption by up to 50 percent. This results in balanced highlights, clean shadows, and impressive detail retention even in complex lighting conditions.
Refining Creative Expression Through the Hasselblad Master Camera System
At the core of the OPPO Find X9’s imaging capabilities is the Hasselblad Master Camera System, which brings professional-grade engineering to smartphone photography. The system includes:
- 50MP Main Camera with an ultra-large sensor for enhanced light intake
- 50MP Ultra-Wide Camera capable of capturing sweeping landscapes with zero distortion
- 50MP Periscope Telephoto Camera featuring OPPO’s Triple Prism Lens and 120x Super Zoom for astounding long-range shot results
The collaboration with Hasselblad ensures natural color calibration, beautifully rendered portraits, and deeper tones that reflect the iconic look of Hasselblad cameras. Features like Hasselblad XPAN Mode, Master Mode, and enhanced bokeh simulation provide depth and artistic control for creators.
Revealing True-to-Life Color Through Advanced Spectral Sensing
OPPO Find X9’s True Color Camera supports the 50MP default mode. It is an innovative sensor equipped with two million spectral pixels that analyze color temperature across a refined grid. This ensures that skin tones, neon signs, sunsets, and indoor lighting appear as close as possible to how the eye sees them, providing accuracy that is difficult to achieve on typical mobile cameras.
Colors are rendered naturally, without overly saturated processing, creating images that stand out in their authenticity and tonal balance.
Empowering New Perspectives With 120x Super Zoom
The OPPO Find X9 delivers dependable detail even at extreme distances through its 120x Super Zoom. Using a combination of optical zoom, sensor-level processing, and OPPO’s Super Resolution algorithm, the phone allows users to capture subjects far across the city skyline or fine details across a concert venue. Images remain clear and stable, unlocking creative perspectives normally accessible only with professional telephoto lenses.
A Fusion of Artistry and Engineering
The OPPO Find X9 embodies a design philosophy that brings together art, precision, and intelligent engineering. Its camera innovations are paired with a powerful performance core, ideal for Filipinos who rely on their smartphones to capture their stories.
The OPPO Find X9 (16GB + 512GB) is available nationwide through OPPO’s physical stores, e-commerce platforms on Shopee, Lazada, TikTok, and the official OPPO online store.
TECHNOLOGY
Designed for style: HONOR X8d arrives in PH for only P15,999
3:00 p.m. March 22, 2026
LEADING global AI smart devices provider HONOR Philippines today lifted the curtain on the new HONOR X8d, the latest addition to its acclaimed X Series line-up. Crafted to deliver an optimal experience to users, the HONOR X8d is priced at P15,999.
The new stylish smartphone integrates ultra-slim design, a robust 7000mAh battery, and stunning AI experience, representing HONOR’s dedication to provide well-rounded smartphones cater to the needs of consumers who desire a sleek, intelligent, and durable mobile device.
“The HONOR X8d is designed for today’s generation—where style is a statement and value matters. We’re proud to offer a smartphone that delivers both, making premium aesthetics and reliable performance more accessible than ever,” said HONOR Philippines Vice President Stephen Cheng.
Ultra-Slim Design with Class-Leading Battery Life
Introducing a 7.5mm ultra-thin and lightweight design, the HONOR X8d strikes a perfect balance between a smooth feel and elegant appearance. With advanced excimer technology and micro-nano textures, the body is extremely glossy and eye-catching, while the exquisite metal barrel adds extra embellishment to the back cover.
Powered by a large 7000mAh battery, the HONOR X8d provides price-level biggest 52 hours battery life verified by TÜV Rheinland and 6 years of endurance. The test data shows that the device can stand up to 31 hours of video playback on a single charge. With multi-point temperature monitoring, the battery shows great performance in temperatures from -20°C to 45°C, which allows it to work perfectly in various harsh condition. Additionally, the 45W wired HONOR SuperCharge can rapidly revive the battery for extended usage.
Fabulous AI Button for Brand-New AI Experience
Featuring a brilliant Instant AI Button, the HONOR X8d offers brand-new AI interaction through this subtle design. This physical side button enables users to quickly launch clean up and speed up commands and frequently used apps with a single press, providing much convenience in daily lives. Meanwhile, with a long press, users can activate more AI features such as Circle-to-Search, AI Subtitles, AI Writing, and Blur Private Info, delivering personalized and seamless user experience. Powered by the latest MagicOS 10 based on Android 16, the HONOR X8d carries various other intelligence features including Magic Capsule, Magic Portal, AI Memories, AI Settings Agent, and Google Gemini Assistant, making it the best partner for both work and life.
Exceptional Durability with Comprehensive Protection
Despite its extremely slim and lightweight body design, the HONOR X8d still showcases all-around drop resistance with SGS Premium Performance Certification of Drop & Crush Resistance, which ensures it can withstand drops from heights of up to 2 meters. Boasted with IP65 Water Resistance, the HONOR X8d can easily handle complex water environments including rinsing, splashing, and even high-pressure water guns. This device has been tested to function after being submerged in water for up to 1 minute at a depth of 0.5 meters, making it a dependable companion in various settings and situations. Additionally, with Wet-Hand Touch Enhancement, users can still have smooth experience even with wet or greasy fingers.
AI-Powered Smartphone Photography Experience
Packed with a stunning 108MP Ultra-Clear AI Camera, the HONOR X8d captures images with exceptional details and enhanced brightness, offering users both daylight precision and nocturnal refinement. With 3x Lossless Zoom, users can create stunning shots with diverse focal lengths, effortlessly creating different street vibes. With HONOR Connection, the HONOR X8d breaks the long-standing “drop-barrier” between different systems, enabling the device to share moving photo to iOS seamlessly. Additionally, the HONOR X8d integrates AI photography features like AI Eraser, AI Upscale, AI Cutout and AI Outpainting, which enable users to freely customize their image, streamlining photo editing on smartphones.
Enhanced Hardware for Superior Experience
The HONOR X8d features a 6.77-inch OLED Display, which supports 1.07 billion colors, a high refresh rate of 120Hz, and peak HDR brightness of 3000nits, delivering vibrant hues and incredibly fluid interface with exceptionally sharp and clear viewing experience. The device also boasts 6 eye-care technologies, including 3840Hz PWM Risk-free Dimming, Circadian Night Display, Dynamic Dimming, Comfortable Dim-light Adjustment, Low Blue Light and E-Book Mode.
Powered by the Snapdragon 6s 4G Gen 2, the HONOR X8d offers users a new level of system smoothness and higher graphical performance. This power efficiency is complemented by HONOR’s innovative RAM Turbo Technology, which effectively provides a 16GB RAM equivalent experience (8GB physical + 8GB virtual). It ensures smooth performance even after extended use, allowing users to multitask and switch between apps effortlessly. Additionally, the HONOR X8d comes equipped with 512GB large internal storage at most, providing ample space for years of precious memories.
Pricing and Availability
Catering to users’ diverse style preferences, the HONOR X8d is available in 3 captivating colorways: Light Blue, Velvet Black, Velvet Grey. Starting March 19 to 27, 2026, the HONOR X8d will be available for pre-order for only P15,999 with FREE HONOR Camping Light Speakers when you get from any HONOR Experience and Partner Stores. HONOR X8d is also available online via Shopee (https://bit.ly/Shop_X8d_PR), Lazada (https://bit.ly/Laz_X8d_PR), and TikTok Shop (https://bit.ly/TikTok_X8d_PR) with FREE HONOR Earbuds II.
Check out full specs of HONOR X8d here (https://bit.ly/Web_X8d_PR). In the meantime, 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.
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