NEWS
Lhuillier named one of year’s Master Innovator by Mansmith Innovation Awards
June 1, 2022 4:25 p.m.
Jean Henri Lhuillier, the President & CEO of micro financial services giant Cebuana Lhuillier, was recently named as a “Master Innovator for 2022” by the Mansmith Innovation Awards, an award-giving body organized by Mansmith & Fielders, the country’s leading training and consultancy company.
Lhuillier was cited for revolutionizing the face of micro insurance in the Philippines—thanks to his ground-breaking work in making micro insurance more relevant in the lives of Filipinos.
Based on the latest statistics, only 53.7M out of 111M Filipinos are covered by insurance. To date, 31% of the insured Filipinos was contributed by Cebuana Lhuillier Micro Insurance, the biggest attributor to date as cited by the Insurance Commission.
Cebuana Lhuillier captured the interest of the market especially from low-income communities by offering affordable micro insurance products that can be easily purchased in any of Cebuana Lhuillier’s over 3,000 branches nationwide, while also putting systems in place for easier claims payout through the same branches.
This was made possible by Lhuillier’s keen support and commitment in the application of tech innovations as a means to augment Cebuana Lhuillier’s wide network of branches and partners nationwide.
“The true mark of being a financially-included Filipino is having access to the most basic financial services that are essential in our everyday lives. This includes protection against illnesses, emergencies, and uncertain situations brought by disasters or natural calamities. For 40 million Filipinos, this is made possible by Cebuana Lhuillier micro insurance,” shares Jean Henri Lhuillier, President & CEO, Cebuana Lhuillier.
Lhuillier adds, “For the past two years, Cebuana Lhuillier focused on its transition as a TechBrick company in order to ensure accessibility and convenience for our clients whenever they avail or use any of our products. We do this by expanding our network reach through physical branches while also taking advantage of proprietary technology through the development of new apps and digital channels that will bring our products and services closer to many Filipinos. In the case of our micro insurance product, we started by making sure it’s affordable and can be easily purchased by any of our kababayans regardless of their stature in life. We then made sure it’s available for purchase nationwide, in any Cebuana Lhuillier branch in the Philippines.”
From these two basic foundations, Lhuillier further expanded by pushing for more tech innovation that further elevated his micro insurance offerings.
This included the unveiling of ProtectNow in 2019, a web-based platform which aggregates the best possible insurance options for their home, auto, travel, and family insurance needs coming from some of the credible insurance companies in the Philippines; the introduction of Claims PayOut Anywhere, which allowed clients to process their claims in any Cebuana Lhuillier branch nationwide; and finally, working together with online market places like Lazada and Shopee which made buying micro insurance as easy as getting as buying something from an online store.
However, it should be noted that micro insurance is just one aspect of Lhuillier’s mission in building a nation of financially-included Filipinos.
Under Cebuana Lhuillier, the country’s number one micro financial services provider, Lhuillier has been the forefront of implementing the “TECHBRICK” strategy, taking advantage of their network of more than 3,000 branches nationwide with 25,000 domestic partner doors, and 3 million partner locations globally and marrying it with technological innovations as a means to further bring the micro financial services industry to the next level.
Utilizing the concept of “TechBrick”, a term Lhuillier coined himself, his vision allowed Cebuana Lhuillier and its products and services such as pawning, money transfer, micro insurance, jewelry selling, along with micro savings, a product of it banking arm Cebuana Lhuillier Bank, to maintain its relevance by ensuring availability and access regardless of channels: whether in brick-and-mortar stores, through the development of super apps, and web platforms.
The synergy between the tech and brick capability allowed Cebuana Lhuillier to empower its clients to move seamlessly and to maximize use of its products and services from offline to online.
For Lhuillier, his push for unremitting innovation remains at the core of the organization as it sets its sights into becoming a more future-ready organization. He adds, “The world and along with it, the needs of our Ka-Cebuanas, are constantly changing and evolving. However, what remains consistent is to ensure that Filipinos remain on track towards financial-inclusion and financial mobility. To that, Cebuana Lhuillier will continue to hold on to its promise of being a partner for every one of our kababayans—constantly evolving, innovating, and maintaining our relevance for the years to come.”
NEWS
Rep. Atayde: No ghost projects in QC’s first district
3:30 p.m. October 27, 2025
Quezon City First District Representative Juan Carlos “Arjo” Atayde reiterated that there are no “ghost projects” in his district, following a personal inspection of seven flood control and drainage projects in his district.
“There are no ghost projects with us. There’s no ghost in District One. There’s no basis for claims that these exists. Maybe there’s just a need for proper coordination so information about the projects is accurate,” Atayde said after visiting sites in Barangay Bahay Toro, Del Monte, Project 6, and San Antonio.
Atayde’s visit confirmed findings from the Department of Public Works and Highways (DPWH) Quezon City 1st District Engineering Office, which stated in a September 19 letter that “all projects are verifiable on site,” referring to the seven projects questioned due to alleged lack of coordinates.
According to the DPWH, out of 66 alleged ghost projects reported in the media, only seven were located in Atayde’s district, where all of them were found to be completed or ongoing, with proper documentation, correct coordinates, and photographic evidence.
Verified projects included four flood control structures along Culiat Creek and Dario Creek in Barangay Bahay Toro, rehabilitation of Drainage Road 3 in Project 6, the West Riverside Pumping Station in Barangay Del Monte, and a flood control structure along San Francisco River in Barangay San Antonio.
Atayde said five of the seven projects were completed, while two were suspended due to pending issues.
He also visited two additional flood control projects to assess their status – one completed along Dario Creek and one suspended along Mariblo Creek.
Atayde assured to his constituents that public funds were used properly and allegations of ghost projects are “baseless”.
“The projects are not ghosts – they can be seen, touched, and are beneficial. It looks like Halloween came early for some people,” Atayde said.
He also called on those who accused him of benefiting from these projects to verify their information first.
Atayde emphasized he couldn’t benefit from these DPWH projects as they’re already in the National Expenditure Program (NEP), and he couldn’t unilaterally include them in the General Appropriations Act (GAA) as he’s not a member of the bicameral conference committee.
“We all want to end corruption and jail the corrupt, but we won’t succeed if we punish the wrong people,” the lawmaker said.
He further reiterated the DPWH’s assertion that there are no ghost projects in Atayde’s district.
“The evidence speaks for itself, and the evidence speaks the truth,” Atayde said.
NEWS
COA uncovers more fraud in Bulacan flood control projects, files new reports with ICI
6:30 p.m. October 26, 2025
The Commission on Audit (COA) has submitted four additional Fraud Audit Reports to the Independent Commission for Infrastructure (ICI), exposing further irregularities in flood control projects managed by the Department of Public Works and Highways (DPWH) – Bulacan 1st District Engineering Office.
These reports detail cases of mismatched sites, ghost projects, and the use of substandard materials, leading to significant public funds being misspent.
SYMS Construction Trading
Balagtas River Project (P46.35 million): Despite full payment, no real construction was found at the approved site. DPWH representatives directed COA to a different location where a structure made of unsuitable materials and exposed steel bars was observed. DPWH’s own records showed 0.00% completion.
Maycapiz-Taliptip River Project (P92.59 million): This project was reported as 100% accomplished and fully paid, yet COA found no flood control structure during inspection, labeling it a “ghost project.”
L.R. Tiqui Builders, Inc. and M3 Konstract Corporation (Joint Venture)
Barangay Piel, Baliuag Project (P96.50 million): Satellite imagery revealed an existing flood control structure at the approved site even before the contract began. DPWH pointed COA to an incorrect site, where an existing structure failed to meet project specifications.
DARCY & ANNA BUILDERS & TRADING
Barangay Carillo, Hagonoy Project (P74.11 million): Despite a supposed completion date of October 3, 2024, satellite images and COA’s inspection confirmed no structure was built at the approved site.
In all cases, DPWH-Bulacan 1st DEO failed to provide crucial supporting documents to COA, hindering validation of the projects.
Individuals Held Liable
Several individuals from DPWH-Bulacan 1st DEO have been identified as liable, including District Engineer Henry C. Alcantara, Assistant District Engineer Brice Ericson D. Hernandez, and Planning and Design Section Chief Ernesto C. Galang, along with various project engineers and company representatives from the involved contractors.
Those implicated may face charges under the Anti-Graft and Corrupt Practices Act, Revised Penal Code for malversation and falsification of documents, and violations of COA Circular No. 2009-001 and the Government Procurement Reform Act.
These audit findings will support the ICI’s ongoing investigation into government infrastructure project irregularities. COA Chairperson Cordoba’s directive on August 12, 2025, initiated an immediate audit of all DPWH flood control projects in Bulacan from July 1, 2022, to May 30, 2025. This new batch of reports contributes to the 25 Fraud Audit Reports already submitted to oversight bodies, reinforcing COA’s commitment to transparency and protecting public funds, in line with President Ferdinand Marcos Jr.’s call for accountability. Additional reports are expected as the audit continues.
NEWS
DITO delivers superior network performance, turning digital aspirations into possibilities
8:11 p.m. August 28, 2025
DITO Telecommunity showcased how superior connectivity transforms Filipino digital aspirations into achievable realities during the successful media launch of the telco’s latest campaign, Kaya DITO, held at Manila House, Bonifacio Global City, Taguig.
Built on True 5G standalone technology and as validated by a global leader in mobile analytics and insights, Opensignal, as the Philippines’ Fastest Mobile Network, DITO’s ecosystem proves that the Filipino telecommunity’s demand for seamless network connectivity, value-driven services and unified digital experience aren’t distant possibilities, but today’s basic expectations—this challenges what the telco industry has long normalized.
“For too long, outages, dropped calls, and overpriced data have been treated as normal. Let us say it bluntly: It is not normal. Every Filipino has limitless potential when equipped with the right tools, and the game is now changing since DITO has joined the fray and taken up the cause to disrupt the status quo—to deliver inclusive, next-gen technology to the Filipino people. “Kaya DITO!” is our battle cry to symbolically break that cycle, because we truly believe that Filipinos deserve better,” shared by DITO Telecommunity President Eric Alberto in the event.
The Telco that Truly Takes Care of its Users
DITO’s prepaid solutions eliminate the frustration of wasted data through Level-Up Packs with ViLTE technology, making DITO the primary telco offering unlimited DITO-to-DITO HD video calls and unli mobile calls. Combined with Viber and Prime Video inclusions and flexible data packages with longer validity periods, users can now maximize their every peso without worrying about abruptly expiring data allocations.
The Telco that Offers Value-Packed Postpaid Plans
DITOFlexPlan 888 redefines what postpaid should offer—comprehensive inclusions and generous data at prices that make sense for Filipino budgets. Whether you choose SIM-only or device bundles, these plans prove that premium network performance doesn’t have to break the bank, empowering users to pursue their goals without connectivity compromises.
The Telco that Brings True 5G Home Internet Convenience
DITO WoWFi Pro 365 makes home connectivity effortless with a year-long unlimited connection that works when you need it. Families enjoy the convenience of reliable internet for work, study, and entertainment without the inconvenience of data top-ups and complicated installations; just network performance that simplifies your digital life at home. Just ask any of your relatives and friends who have already ditched ordinary WiFi and jumped onto WoWFi— they will tell you what you’ve been missing out on.
The Telco that Built Everything You Need in One App
The DITO App represents one of the industry’s most comprehensive digital platforms, built from the ground up to handle the entire customer journey. From SIM and load purchase to account management and a wide range of OTT apps, users enjoy complete digital control with custom special offers, DITO Rewards points, and 24/7 customer support—managing everything while earning exclusive benefits.
Rep. Atayde: No ghost projects in QC’s first district
COA uncovers more fraud in Bulacan flood control projects, files new reports with ICI
DigiPlus earns first ASEAN Golden Arrow Award for corporate governance excellence
