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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. 

Cebuana Lhuillier President & CEO Jean Henri Lhuillier gets the nod for changing the face of micro insurance in the country through a brilliant fusion of brick and tech strategy

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

Kick off your UEFA EURO 2024 adventure and watch games live with GCash

6:06 p.m. March 15, 2024

GCash, the Philippines’ top finance app, joins forces with Alipay+ to bring an exciting opportunity for Filipino football fans to take part in this year’s UEFA EURO 2024. As the premier football tournament kicks off once again, GCash is making it possible for you to witness the action live with the launch of its new raffle promo. GCash is a partner of Alipay+, which is the exclusive Official Payment Partner of UEFA EURO 2024.

Captivating millions of fans globally each year, the UEFA EURO 2024 tournament is set to take place from 14 June to 14 July 2024 across ten iconic host cities in Germany, including Berlin, Cologne, Dortmund, Düsseldorf, Frankfurt, Gelsenkirchen, Hamburg, Leipzig, Munich, and Stuttgart.

By simply using GCash to pay, whether locally or internationally, users can earn raffle tickets and get the chance to experience the thrill of watching the UEFA EURO 2024 games live in Germany.

According to Paul Vincent Albano, General Manager for GCash International, “We are delighted to announce our partnership, together with Alipay+, the exclusive Official Payment Partner of UEFA EURO 2024, a collaboration that celebrates a shared passion and commitment to connecting with Filipino football fans. With GCash, users can unlock opportunities for more enriching experiences, and having the chance to attend the biggest sporting event of the year is just one of the ways we make this possible for our users. Through Alipay+, Filipino fans can pay at thousands of retail stores, F&B outlets and attractions across Germany and Europe, simply with GCash.”

GCash is now available internationally, through its partnership with Alipay+, ensuring seamless transactions for users even while they’re abroad. Through its Scan-To-Pay feature, users can enjoy hassle-free payments with zero service fees at millions of merchants worldwide, including restaurants, grocery stores, retail shops, and more!

The benefits of paying with GCash extends to gaining access to exclusive discounts and promos, including the opportunity to win an all-expenses-paid trip to Germany for UEFA EURO 2024. From March 1 to April 30, GCash users can earn raffle entries for every complete payment transaction made with Scan-To-Pay.

Payments made abroad earns users 10 raffle entries, while transactions within the Philippines earn one raffle entry each. The official winners’ draw will take place on May 4, 2024 with 16 lucky GCash users 2 winning tickets, giving them & their friends who love football the chance to watch the games with them!

Be part of football history and don’t miss out on the chance to witness Europe’s top nations in action this year. For more information and updates on the UEFA EURO 2024 promo, visit the GCash website or follow GCash online through @gcashofficial.

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How to watch NSFW/NSFL content safely and discreetly

February 12, 2024 1:55 p.m.

Want to hide your guilty pleasures from prying eyes? Do it properly, suggests Kaspersky experts

You may have already heard about NSFW (not-safe-for-work) or NSFL (not-safe-for-life) and what it means to your self-preservation or at the very least, your reputation. 

If you’re still clueless, it refers to online content that is best viewed in private. Examples would be medications you take, gifts you were checking out for your loved ones and sensitive videos you watched before bed.  

“The kind and amount of information that we can now access through the internet is almost limitless. And many of us are happy to do things online. On the flipside, our research shows some prefer to keep those habits to themselves. In fact, many see the Internet as a place to hide,” said Yeo Siang Tiong, General Manager for Southeast Asia at Kaspersky. 

In a study by Kaspersky on digital privacy, almost half of respondents (41%) said they apply additional measures when browsing the Internet to hide their information from the websites they visit. The same study revealed that family members, colleagues and the government are the top three groups of people we don’t want to know certain things about us. 

“With online content at our fingertips, people will read and watch online whatever they want to. Whichever it is, we recommend doing it safely. Remember your digital reputation is closely linked to your personal reputation. With a stroke of unfortunate luck, your online habit or personal information can accidentally become available to others, despite your wishes. Not only would it make you a target of malware but it could end up costing you your job,” added Yeo. 

This article explains who can catch sight of your online activities and how to make sure your secrets are safe.

  1. Your family

You likely share a computer and a Wifi network with your family. This means your partner, kids, or parents—anyone you share a home with—could discover traces of your online activities. Here are what could give you away:

  • Browser history It remembers the websites you visit and suggests them the next time you want to visit one of them. It can come in handy but can lead to some awkward moments like if your partner or your child types in the letter P (for Pinterest) and gets a suggestion for P(ornhub). 
  • Targeted advertising When you open a website, the browser saves cookie files on your computer, which allows the site to remember things about you (like your username, pages you viewed, contents of your shopping cart, etc). They also give ad network-partners of the website’s owner information about you for suggesting similar content. The giants of the Web, such as Google, will not show erotic banners, of course. But less-scrupulous ad networks may. 

Tip: It’s best to go into incognito mode before watching private videos, to avoid embarrassment later. Using it avoids leaving browsing traces for your family to discover. Some browsers such as Yandex.Browser will suggest it if you open a porn site. By running in incognito mode, your browser stores no cookies and no search history. Your family will see none of those treacherous suggestions in the address bar.

As for the cookies and browser history you have already accumulated, clear them. Open the browser’s settings: In Chrome, for example, the option will be visible immediately, and in Firefox, you will need to go to the Privacy & Security tab.

  1. Internet giants

Cookies are not the only way to find out about your interests, so incognito mode will not hide information about your hobbies from big Internet corporations. Facebook will still learn about the things you like if you visit websites that are integrated with its analytics and advertising modules — and you would not believe how many of those are around. 

Google will still remember what you searched for and what sites you opened in Chrome. This year, Pornhub revealed that the Philippines topped its website viewership for the fourth consecutive year. The website shared that they’ve monitored getting more female viewers than male viewers in the country through the demographics data tracking of Google Analytics.

Tip: Fortunately, not all companies want to collect all of the data they can about you. Privacy-centric browsers like Firefox and search engines such as DuckDuckGo and Startpage.com, along with the Private Browsing feature in Kaspersky products can help prevent tracking by advertising networks and Internet giants. 

  1. Your ISP

Few will pause to think that their ISP, as well as the owner of the free Wi-Fi they are using, can monitor their traffic. We suggest you put some safety measures in place, which is not nearly as hard as it may sound, unless you like the thought of your passions becoming some mischievous ISP employee’s source of entertainment.

Tip: Use a secure connection like a VPN (virtual private network) to dodge those whose curiosity gets the better of them. Doing so will encrypt your traffic so strongly that the ISP will see nothing but gibberish.

  1. Porn scammers

Scammers who email you saying they have infected your computer with malware and used a Web camera to make a video of your naughty pleasures really have no idea if you have been watching porn or not. They are simply mass-mailing their threats in the hope that someone will bite. 

Tip: Do not fret. Never pay scammers who claim to have caught you watching adult content. If you receive an email like that, send it straight to spam.

Remember safety measures

Although the creators of well-known porn websites protect their reputations, it is not impossible to get your device infected while searching for adult videos. From time to time, cybercriminals hack networks that display ads on such websites or attempt to pass off a fake.

The malware is unlikely to hack your webcam, but it may very well block your screen with an explicit picture or start displaying gobs of explicit ads in your browser. So, remember these safety measures.

  1. Choose websites you know. Avoid opening questionable websites from search results that promise premium content free.
  2. Download apps from official sources only.
  3. Do not click on links in ads, even if they are hard to resist.
  4. Use a robust protective solution such as Kaspersky Premium. It will block a malicious program, should one attempt to infect your device. 
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Celebrate Chinese New Year at Honolulu Cafe

February 10, 2024 5:34 p.m.

Celebrate Chinese New Year at Honolulu Cafe.

Try their best- seller Roasted Pork Belly and Egg Tarts.

Roasted Pork Belly
Egg tarts

Honolulu Cafe located at SM Aura, Robinson’s Place Manila and Greenbelt 5.

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