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
All-new MacBook Neo launches at Power Mac Center
9:22 p.m. April 24, 2026
Premier Apple partner Power Mac Center (PMC) unveiled the all-new MacBook Neo in a fun and vibrant simultaneous launch in Greenbelt 3 and SM Megamall.
Customers who joined the launch received the event exclusive bundle including an AirPods Pro 2 and AirTag 4-pack, stackable with over P12,000 worth of freebies for those with qualified pre-orders. In addition, those in Greenbelt 3 and SM Megamall who lined up until 7PM also got a chance to win up to P600,000 worth of prizes (P300,000 per location).
While attendees were the first to access exclusive perks, PMC is extending its opening promotions over the coming days, ensuring more customers can take part in the excitement.
“We are taking Apple fans on a lifestyle journey worthy of the anticipation for the new MacBook Neo. With every device Power Mac Center launches, we make sure our customers know we stand behind their purchase, helping them choose better, set up faster, and get more out of what they’re upgrading to,” PMC Director for Marketing and Product Management Joey Alvarez.
Mac&Me: Easy to use and easy to own, Made for More
As the premier Apple partner in the Philippines, PMC extends its expertise to support customers, reinforcing how the Mac is made for more than ordinary, with powerful capabilities in completing tasks both for work and play.
Now available in all Power Mac Center stores nationwide, the MacBook Neo is easy to use and easy to own with these exclusive offers. Terms and conditions apply.
- Accessories: Enjoy up to 50% off on a wide selection of accessories until April 30, 2026. This offer is valid for straight payments only and is available with any MacBook Neo payment option.
- 1 Infinite: As a limited “double burn” offer (1 point = P2) from PMC’s loyalty program 1 Infinite, members can redeem up to 2,500 points (P5,000 off), with no minimum spend required. This offer is applicable to both device and accessory purchases and is valid from April 23 to 26, 2026 only.
- UpTrade: Score up to P4,000 in additional trade-in value when you trade in your MacBook Air (M2 or earlier) and upgrade to the all-new MacBook Neo or MacBook Air (M5) from April 23 to May 10, 2026. Offer available at all Power Mac Center stores nationwide.
- Mobile Care and Basecamp: Customers who purchase the MacBook Neo until April 30, 2026 can also receive a 90-day complementary software fix from Mobile Care Service Center, PMC’s official service arm, and free training for MacBook Neo + AI Toolkit for Beginners provided by Basecamp, PMC’s official training arm.
- To avail the free training, please register here <https://docs.google.com/forms/d/e/1FAIpQLSe_z0LeHOubTSrH4guDE7H1gaZICevgaQ15fF0tqxI7CB-aQw/viewform>.
- Partners: Get special Grab vouchers on purchases of the MacBook Neo until April 24, 2026.
- Education, SMB, and Enterprise: PMC also offers special Education pricing for students and members of the academe. Meanwhile, businesses and organizations looking to boost their operational efficiency and service delivery can approach any PMC store for a consultation on Apple integration.
Get the best deals with your cards and credit providers
Major bank and non-bank financial institutions offer flexible payment options of up to 36 months installment, 0% interest, Buy Now Pay Later modes, cashbacks, and bonus Power Mac Center Gift Certificates. Do note that these offers are available via in-store purchases only. Check with your financial providers for the full mechanics.
Before completing your purchase, make sure you’re a member of 1 Infinite. To join, download the 1 Infinite app in the App Store <http://bit.ly/4hljdr2> or Google Play <https://bit.ly/42ovsyK> and create an account or log in using your registered email address.
Present your membership when transacting in stores or input details in the Web Store <powermaccenter.com> to earn points, redeem rewards, and enjoy perks from Basecamp and Mobile Care. For full details, visit the site <https://powermaccenter.com/pages/1-infinite>.
Live launch with musical sets and interactive games
The MacBook Neo introduction unfolded as a full launch experience, with performances and interactive activities energizing the crowd before the official unveiling. Headlined by DJs Vernard Tan (in Greenbelt 3) and Ailishia (in Megamall), the shows set the tone for the night designed to engage this generation of tech consumers.
The event was supported by Power Mac Center’s brand partners Belkin, STM, BPI, UnionBank, and Home Credit, as well as Shokz, in partnership with 1 Infinite.
Don’t miss exciting announcements and special promos! Follow the OFFICIAL Power Mac Center accounts on Facebook, Instagram, X, TikTok, Viber, and YouTube.
#PMCExperience #MacMadeForMore
TECHNOLOGY
Xiaomi Fan Festival 2026 brings April deals across phones, pads, and smart devices
9:30 p.m. April 12, 2026
April is one of the better times this year to look at a Xiaomi upgrade. Xiaomi Fan Festival, the brand’s annual celebration for its fans; is now live in the Philippines under the theme “Smart Living, Made Yours,” running through April 30 at Xiaomi Authorized Stores, participating multi-brand retailers, and Xiaomi community channels.
The campaign spans the full lineup: phones from flagship to entry-level, tablets, wearables, TVs, and more. Most buyers will find at least one clear entry point.
Smartphones
At the top of the range is the Xiaomi 17, priced at ₱55,999 with a free Xiaomi Smart Band 9 Pro. For buyers who want a strong performer without going all the way to the flagship tier, the Xiaomi 15T Pro is available at ₱39,999 with a free Xiaomi Backpack, and the Xiaomi 15T comes in at ₱26,999 down from ₱28,999, with a free Xiaomi Neck Pillow.
The REDMI Note 15 Series covers the mid-range with four variants and a consistent Home Credit angle: shoppers can get an exclusive ₱500 discount per unit on any REDMI Note 15 Series device via Home Credit 0% interest installment plan, and a free month on Viu Premium. The REDMI Note 15 Pro+ 5G is priced at ₱27,999 with a free Xiaomi umbrella, the REDMI Note 15 Pro 5G starts at ₱19,999 with the same freebie, and the REDMI Note 15 5G runs from ₱14,999. At the most accessible end, the REDMI 15 starts at ₱8,999; a practical everyday pick for students and first-time buyers.
Pads
The Xiaomi Pad 8 Pro at ₱38,999 and the Xiaomi Pad 8 at ₱29,999 each come with the keyboard already in the box, plus a free Xiaomi Smart Band 9 Active, boasting a more complete setup from day one, whether the use case is work, school, or content. Both are also available via Home Credit 0% interest installment.
Below those, the REDMI Pad 2 lineup offers three tiers: the REDMI Pad 2 Pro 5G from ₱19,999, the REDMI Pad 2 Pro from ₱15,999, and the REDMI Pad 2 from ₱10,999 which gives students and households a range of screen sizes and specs without stepping into premium territory.
Wearables, TVs, and more
The wearables selection runs wider than the headline picks. The Xiaomi Smart Band 10 is available in Standard (₱2,699) and Ceramic Edition (₱3,799), with the Xiaomi Smart Band 10 Pro at ₱3,899 for buyers who want more. On the more accessible end, the Xiaomi Smart Band 9 Active is ₱1,399, and the REDMI Watch 5 Active comes in at ₱1,899. The REDMI Watch 5 is priced at ₱2,899.
For the living room, the Xiaomi TV A Series starts at ₱8,990 for the 32-inch and ₱12,990 for the 43-inch. Also in the lineup: the REDMI Buds 8 Lite at ₱1,299 and the Xiaomi Power Bank 10000mAh at ₱1,099.
Payment options
The Home Credit ₱500 discount is applicable to the REDMI Note 15 series while all smartphones and pads will come with 0% interest installment and Viu Premium 1-month voucher offer. That offer runs from April 1 to June 30, 2026; well past the main XFF window, giving you more time to sort out a payment plan before committing.
The deals listed here cover the main highlighted offers, but the full XFF 2026 lineup is broader. For complete mechanics, freebie eligibility per variant, and model availability, visit your nearest Xiaomi Authorized Store or participating retailer. For the Home Credit discount and installment options, ask at any participating Home Credit hub.
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.
Gen Z is Google’s most active users as AI transforms Search into an intelligent partner
Motorcycle taxi riders urge government to protect livelihoods, enact motorcycle taxi bill
All-new MacBook Neo launches at Power Mac Center
