GCash lending arm Fuse advances AI use to strengthen responsible collections practices and protect customer dignity

(L-R) Wiz.Ai chief operating officer Alex Song, Mynt (parent company of GCash) chief technology and operations officer Pebbles Sy, Wiz.Ai chief executive officer Jianfeng Lu, and Fuse Financing Inc. President and CEO Tony Isidro

Fuse Financing Inc., the lending arm of GCash, is enhancing its customer servicing as it expands its strategic partnership with artificial intelligence (AI) solutions provider Wiz.AI, automating key processes within its collections operations, particularly Quality Assurance (QA) to strengthen the audit process and overall service quality. 

Leveraging the expertise of Wiz.AI, voice AI will review and assess call recordings, evaluating performance based on service quality. This integration will help ensure that human agents remain respectful and uphold the company’s commitment to fair and responsible collection practices. 

"Our partnership with Wiz.AI has already transformed how we manage high-volume collection calls, and with this renewed collaboration, we’re excited to explore new frontiers in automation. By integrating voice AI into our QA processes, we’re not only improving operational efficiency but also ensuring a more consistent and personalized customer experience,” said Tony Isidro, president and CEO of Fuse Financing Inc. 

“This innovation will also support our audit process to ensure our agents remain responsible, while helping us gain insights into how we can further enhance the way we serve our customers and continuously improve our service. We highly value our customers’ dignity and maintain zero tolerance for harassment or abusive practices,” Isidro added.

Over the past three years, the lending arm of the country’s leading finance super app, GCash, and Wiz.AI have worked together to deploy VoiceBot, an AI-powered voice automation tool that handles high-volume, routine collection calls. The solution has reduced the heavy manual workload, allowing agents to focus on more complex and high-value customer concerns that require human interaction. 

This marks a major step toward solving one of the lending industry’s biggest challenges: labor-intensive processes– while enhancing scalability,  reducing errors, and improving the overall customer experience.

Wiz.AI’s technology enables the lending arm to offload repetitive, lower-value tasks from human agents, such as making reminder calls or verifying information. This allows agents to focus on complex customer interactions that require empathy, negotiation, or deeper problem-solving—improving both productivity and service quality.

“Fuse's success in leveraging voice AI is a perfect example of how the GCash ecosystem uses smart technology to solve core friction points for financial inclusion,” said Pebbles Sy, chief technology and operations officer of Mynt, the parent company of GCash. “This partnership ensures our lending platform is scalable, trustworthy, and efficient, allowing us to safely serve millions more Filipinos.”

“This partnership is a testament to the transformative power of enterprise voice AI when applied to visionary financial ecosystems like GCash. At WIZ.AI, we’ve built our reputation as the most trusted  AI partner because we understand that leaders need more than technology—they need solutions that integrate seamlessly and scale reliably. By expanding into quality assurance, we are jointly setting a new benchmark for digital lending operations across the region,” said Jianfeng Lu, Wiz.AI chief executive officer. 

By integrating automation into both its customer service and QA functions, Fuse is directly addressing the industry’s biggest bottlenecks: limited capacity, high cost, and inconsistent quality. The result is a more scalable, accurate, and sustainable lending operation that combines digital precision with human expertise.

As Fuse Financing and Wiz.AI continue to expand their collaboration, both companies remain focused on creating a future where lending is not only faster and more efficient but also smarter, setting new standards for digital finance in the Philippines.

For more information, please visit www.gcash.com.

The Worth-It Way to Celebrate Chinese New Year in Hong Kong and Macau

When you think of traveling to Hong Kong, it’s easy to see why Macau is often visited too—they’re just so close! With its endless shopping spots, iconic attractions, and mouthwatering delicacies, these places have become popular holiday destinations for many Filipinos - especially during Chinese New Year. 

Sneaker Street Hero

Trips to these cities can feel pricey, especially if you’re traveling with family. But it doesn’t always have to be that way! There are plenty of cool spots and tasty eats in both cities where you can score great value without sacrificing the experience. 

With your GCash Visa Card and e-wallet, every swipe, scan, or tap helps your money go further—thanks to lower forex rates, more deals, easy payments, real-time spend tracking, and no more counting change.

And if you want great value, you can get that for sure when you use the ultimate shopping hack from GCash. All you need is your GCash Visa Card  and e-wallet so you can Swipe-Scan-Tap. When you do, you can stretch every peso, thanks to lower forex rates, more deals, easy payments, real-time spend tracking, and no more counting change. 

If you’re heading to Hong Kong and Macau for the Lunar New Year, check out these stops that are perfect for families and guaranteed to give a worth it experience. 

Macau Tower Selfie

Shop sulit and smart hauls at wholesale stores and markets

Hong Kong is admittedly a shopping haven - but if you want to shop smart, you need to know where to go. Lung Fung Mall offers beauty, skincare, and health products at friendlier prices than malls. You can find fragrances, skincare, and other beauty products at reduced prices at their many locations across Hong Kong.

Meanwhile, if you’re finally ready to buy that brand new item you’ve been saving up for, like new running shoes, a bag, or workout gear, Citygate Outlets is your best option. They carry many brands, such as Lululemon, Evisu, Marimekko, and many more. 

For seasoned travellers who frequent Hong Kong, going to Mong Kok to buy clothes, snacks, and a wide variety of anik-anik is also a no-brainer. If you’ve ever heard of Sneaker Street and Ladies Market, you can find things for you and for your pasalubong back home. The best part is that you can still haggle the prices in certain stores, making shopping in the area even more budget-friendly—so get your tawad skills ready!

And when carrying multiple bags after your pasalubong spree becomes a hassle, you can tap your way to easy, convenient payments with GCash Tap to Pay. Available for all NFC-enabled Android smartphones, it lets you pay with just one tap—making it much easier to get around the often-crowded streets.

Lung Fung Mall

 

Lung Fung Area

Marvin and Anik Aniks.jpg

Discover hidden gems and family fun in Macau

Macau isn’t just about its famous landmarks and beautiful architecture – though it is worth going just to see them for yourself. But there are also many fun experiences that the family can enjoy, and it’s all just a convenient ferry ticket away! These boat trips take about an hour from the Hong Kong-Macau Ferry Terminal, and you can secure your tickets by paying with GCash Scan to Pay for a hassle-free experience. Simply generate your QR code and select Pay Abroad with GCash, and look for merchants with a QR code bearing the A+ logo to scan. 

If you’re looking for local delicacies, head over to Taipa Village, where you can stock up on crowd favorites like beef jerky and almond cookies. These treats are delicious, affordable, and loved by locals! 

You can also book tickets to teamLab SuperNature Macau, an incredible interactive art space with 8-meter-tall, colorful exhibitions that kids and adults will enjoy. 

TeamLab Macau

Here’s a secret hack when paying with GCash abroad: some merchants also offer special promos and discounts up to PHP 1,500 off, just tap Travel and go into Travel Treats to browse what’s available.

Eat without the splurge at Yung’s Tangerine Peel Roast Goose and Cheung Hing Kee

One of the best parts of traveling to Hong Kong and Macao is the food. You can’t leave Hong Kong without trying their roast goose, and a great spot to try is Yung's Tangerine Peel Roast Goose. Yung’s is rich and flavorful, and best of all, budget friendly.

Yung’s Tangerine Peel Roast Goose                      Yung’s Tangerine Peel Roast Goose

When you hear that a restaurant has been recognized by Michelin, would you believe that you don’t have to pay a fortune for high-quality food? Because that’s what you can expect from MICHELIN Bib Gourmand Cheung Hing Kee Shanghai Pan-fried Buns at Lock Road. Other than their pan-fried buns, their scallion noodles and wontons are a must-try—perfect bites to snack on when you want to refuel while exploring the city. 

Scan, Swipe, and Tap for a sulit and enjoyable trip

SCAN TO PAY

Traveling on a budget doesn’t have to mean limiting yourself. When you pay with GCash abroad, you get real-time control over your spending, low forex rates updated instantly in-app, and fast, convenient transactions throughout your trip — all while enjoying to the fullest. Remember to scan, swipe, and tap for an experience you’ll definitely say is worth it! Download the GCash app today to get started. 

Ministry of Social Services and Development-BARMM partners with GCash to expand cashless disbursement under FAST Project, roll out Bangsamoro Cards

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The Ministry of Social Services and Development–BARMM expands cashless disbursement of financial assistance via Bangsamoro Card powered by GCash under the FAST Project

The Ministry of Social Services and Development of the Bangsamoro Autonomous Region in Muslim Mindanao (MSSD-BARMM) has partnered with GCash, the Philippines’ leading finance super app and largest cashless ecosystem, to expand its cashless disbursement system under the Financial Assistance System Transformation (FAST) Project, an initiative designed to make the distribution of social assistance faster, more efficient, and more transparent for beneficiaries across the region.

While MSSD-BARMM has already begun transitioning to digital payouts, the partnership with GCash expands the reach of the FAST Project, ensuring that financial assistance is more accessible and convenient for beneficiaries, including those in remote and underserved communities.

“This partnership strengthens our FAST Project by expanding our cashless distribution channels and ensuring timely assistance for our beneficiaries,” said Atty. Raissa H. Jajurie, minister of the Ministry of Social Services and Development. “Through this collaboration, we aim to make social support programs more inclusive, reliable, and efficient, reaching every Bangsamoro family and community who need it most.”

The GCash engagement with the FAST Project also aligns with the company’s strategic focus on promoting financial inclusion among underserved communities, particularly within the Islamic population and the BARMM region. By prioritizing these areas, GCash seeks to support equitable access to financial services while empowering local communities with tools for everyday transactions and long-term financial health.

Under the partnership, beneficiaries will receive Bangsamoro Cards powered by GCash, which serve as both identification and a cashless payment tool. The cards allow users to withdraw funds, make purchases, and access essential financial services even without a smartphone, helping ensure that no one is left behind in the region’s digital financial ecosystem. This expansion will directly benefit key MSSD-BARMM programs under the FAST Project, including educational assistance through Angat Bangsamoro: Kabataan Tungo sa Karunungan (ABaKa), livelihood support through Bangsamoro Sagip Kabuhayan (BSK), and emergency relief through the Bangsamoro Critical Assistance to Indigents in Response to Emergency Situations (BCARES).

“For GCash, BARMM and Islamic communities are among our priority sectors,” said Cleo Celeste Santos, Head for Public Sector at GCash. “Digital finance penetration in these areas has historically lagged, which is why we are doubling down on our efforts. By working closely with MSSD-BARMM, we are providing accessible and culturally responsive solutions that help ensure the success of the FAST Project and other government programs.”

By expanding the FAST Project through GCash’s digital Funds Disbursement Service (FDS), MSSD-BARMM reinforces its commitment to modern governance, accountability, and inclusive development. Beneficiaries can now access assistance through a more convenient, secure, and widely available platform, ensuring that social aid reaches those who need it most. Through this partnership, GCash aims to strengthen financial access in BARMM, delivering solutions tailored to the unique needs of Muslim communities and supporting sustainable local growth.

GCash continues to collaborate with national agencies, local governments, and ministries to advance digital transformation, helping ensure that social aid, livelihood support, and emergency assistance are delivered efficiently to Filipinos, particularly in priority and underserved sectors.

TIEZA and GCash partner to streamline online travel tax refunds for Filipino travelers

    (L- R) GCash International sales head Jill Lotho; public sector national accounts manager Alda Lou Cabrera; VP and public sector head Cleo Santos; TIEZA COO Mark Lapid; ACOO for admin and finance Atty. Joy Bulauitan; and travel tax department manager Atty. Bumbo Cruz

The  Tourism Infrastructure and Enterprise Zone Authority (TIEZA) has formally partnered with G-Xchange, Inc. (GXI), the mobile wallet operator behind GCash, to significantly enhance the speed, security, and convenience of online travel tax refunds for Filipino travelers.

Through a Memorandum of Understanding (MOU) signed in Makati City, TIEZA will now adopt the GCash Funds Disbursement Service (FDS) to facilitate the real-time crediting of approved travel tax refunds directly into the GCash wallets of eligible passengers.

This modernization initiative aligns with Executive Order No. 170, which mandates the adoption of digital payment systems across government, and Republic Act No. 9593 (Tourism Act of 2009), which empowers TIEZA to institute systems and partnerships that ensure the efficient administration of travel tax collection and refund services.

Making digital refunds seamless for Filipino travelers

Through the integration of the secure disbursement technology of GCash, passengers approved for refunds will now receive their travel tax reimbursements instantly and seamlessly, eliminating the need for on-site claims or manual bank processing. Notably, the service is offered at no cost to both TIEZA and its clients.

“This partnership underscores our commitment to building tourism together by elevating the quality and efficiency of every touchpoint in the Filipino travel experience,” said TIEZA chief operating officer Mark Lapid. “By integrating sophisticated digital solutions like GCash, we are not simply streamlining the refund process—we are advancing transparency, reinforcing institutional accountability, and setting a higher benchmark for how government and industry can collaborate to meet the expectations of today’s discerning travelers.”

A collaboration for seamless, digital-first government services

Under the partnership, G-Xchange, Inc. will provide the secure digital infrastructure that enables real-time disbursement, supported by robust prefunding and reconciliation mechanisms to safeguard the integrity of public funds.

Cleo Celeste C. Santos, vice president and head of GCash public sector, emphasized the value of accessible and efficient financial services and the partnership’s impact on public sector digital transformation. “We are proud to support TIEZA in digitizing one of the most important touchpoints for travelers. Real-time refunds through GCash deliver unmatched convenience, speed, and reliability—empowering passengers with a truly modern and frictionless experience.”

“This collaboration reinforces the mission of GCash to make digital financial services easily accessible for every Filipino. By embedding secure, seamless payouts into TIEZA’s processes, we are helping advance a more inclusive, responsive, and future-ready government service ecosystem,” Santos added. 

A more convenient, future-ready refund system

As global and domestic travel continue to rise, the TIEZA–GCash partnership ensures that public-facing services evolve in step with traveler expectations—reflecting a shared commitment to innovation, efficiency, and good governance in the delivery of essential tourism services.

For more information, visit [https://tieza.gov.ph] and follow @TIEZAOfficial on Facebook and @tiezagovph on Instagram and X.

Mynt chief technology and operations officer Pebbles Sy wins Silver Stevie® Award for Women in Business

Mynt chief technology and operations officer Pebbles Sy, receives the Female Executive of the Year in Asia, Australia, or New Zealand Silver Stevie® Award

For her leadership in advancing secure, innovative, and inclusive financial technology, Mynt Chief Technology and Operations Officer Pebbles Sy has been recognized with the Silver Stevie® Award for Female Executive of the Year in Asia, Australia, or New Zealand at the 2025 Stevie® Awards for Women in Business. The awards program recognizes the achievements of female executives, entrepreneurs, and organizations demonstrating excellence in leadership, innovation, and impact on the global business landscape.

This recognition highlights Sy’s leadership in steering the finance superapp’s product delivery, digital transformation, technology and operations toward innovation, resilience, and inclusivity, while reinforcing the organization’s role as a leader in fintech both regionally and globally.

“This award reflects the teamwork and shared purpose that drive our mission at GCash Technology & Operations team," said Sy. “Our focus has always been to build technology that is secure, accessible, and empowering for every Filipino. This award is a celebration of the work we do together and the future we are shaping.”

Sy’s achievement also marks a significant moment for the GCash Tech & Ops team, whose work in building secure, scalable, and inclusive technology continues to support millions of Filipinos and advance fintech in the region.

Under her guidance, GCash Tech & Ops has redefined how digital infrastructure is built to be secure, scalable, and AI-powered. The team’s work ensures fintech innovation reaches millions of Filipinos, enabling daily financial empowerment through systems designed to be reliable, accessible, and inclusive.

As GCash continues to expand its reach and strengthen its digital backbone, this recognition serves as a milestone in its mission to champion financial inclusion and resilience. By combining strategic leadership with world-class technology, GCash continues to play a key role in advancing financial access and innovation in the Philippines and across the region.

For more information, please visit www.gcash.com.

 

 

SB19 and GCash Bring the Magic Back to Christmas with New Holiday Anthem – Watch the MV Here!

 Somewhere between the crowded malls, shopping lists, and noche buena planning, the magical feeling of Christmas may be overwhelmed. GCash is helping keep the holidays full of cheer as it teams up with SB19 for a new holiday jingle and music video that reminds us what the season is really about: connection, generosity, and a touch of GCash magic to Make It Merry.

The new Make It Merry jingle sets the tone for the arrival of the Merry GCash season. It captures that familiar warmth we often look for during the busiest time of the year, showing that the spirit of Christmas never really fades; it just needs a little spark to shine again.

In the music video, the SB19 boys are seen using GCash to shop and pay for gifts, piling them into a car, and getting ready to share them with loved ones. Paired with lyrics like, “Ang bawat salu-salo, make it merry, kasama ang pamilya mo,” and “Ang bawat regalo, make it merry, galing sa puso mo,” the song captures how GCash makes every celebration lighter, more joyful, and more merry.

With “Make It Merry” as its official holiday soundtrack, SB19 and GCash set the tone for a season filled with joy, generosity, and ease. Because no matter where your holiday schedule and to-do list will take you this season, GCash helps make every moment simpler, more stress-free, and more meaningful. 

Need to send aguinaldo to your family back home? You can use GCash Send Money to get it done for you instantly. Last-minute gifts? Shop with ease and use GCash to Pay Online. Making a big purchase this year for your house or buying new tech? GGives helps make that possible, with more manageable payments. If the holidays are taking you traveling, bring your GCash Card for easy payments abroad. You can even Scan to Pay to unlock exclusive deals! 

With everything available in one app, GCash turns the rush of the season into cheer, making it easier than ever to spread the magic of Christmas. And as SB19 reminds everyone in “Make It Merry,” the magic of the holidays is found in every gift shared from the heart and every moment that brings us closer. To make it merry this Christmas, you just need to do one thing: i-GCash mo. 

Watch the official Make It Merry music video here, and follow @gcashofficial for more updates on what’s coming this Merry GCash season.

Ilagay ang korona: Gifts That Honor the OG Breadwinners

 

They hustled, sacrificed, nag-ipon, nagtiis—basically carried the whole family on their backs while you were busy growing up. But look at you now: may sweldo, may konting spending power, and a chance to finally give back. This Christmas, it’s officially your turn to flex some love and share your blessings with the OG Breadwinners—si Kuya, si Ate, and of course, Mom and Dad—because if anyone deserves A+ gifts, it’s the people who made sure you never missed baon day.

And don’t worry, perfect doesn’t have to be impossible! With GGives, you can snag the perfect presents abot-kaya, hassle-free, at masaya—so you can give extra special gifts while managing your budget. Consider this your moment. Your upgrade era. Your chance to earn the title: Gifting Master 2.0

Here’s a quick guide on what to get the OG breadwinners that empowered you to be the new breadwinner of your family:

1. For the Living Room Royalty (a.k.a. Parents Who Deserve Better Binge Nights): Smart TV

Give your parents’ living room the glow-up it deserves with a Smart TV—because nothing says “I love you, fam” like a bigger screen, clearer shows, and zero “Anong pinindot mo?!” panic moments. Plus, let’s be real: once it’s mounted, Mom and Dad will proudly brag about it to every kapitbahay within a three-house radius.

2. For the Kitchen MVPs (Mom, Dad, or Ate Who Owns the Apron): Toaster Oven

Upgrade the kitchen game with the ultimate helper: a toaster oven. Perfect for quick meals, baked goodies, and zero drama, it lets your parents (or Ate/Kuya) feel like a MasterChef—without the pressure, smoke alarms, or extra cleanup.

3. For the Responsible Kuya/Ate Who Still Asks “Kumain ka na?”: A Surprise Grocery Shopping

Pull an Uno reverse on your Ate or Kuya with a surprise grocery shopping spree—before they can even ask what you want to buy, you ask them first. It’s the most practical “I got you” gift ever and instant stress relief for the heroes who’ve been feeding everyone for years. Nothing says “thanks for everything” like letting them fill the cart without worrying about the total.

4. For the Tired But Still Smiling Parents: A Fully-Paid Staycation 

Treat your tired-but-still-smiling parents to a fully-paid staycation—whether it’s a chic city escape or a cozy resort just outside the metro—because after years of juggling work, household chores, and keeping the whole family afloat, they’ve more than earned it. They get real rest, and you get to feel like a millionaire child for a weekend. Bonus: zero chores + quality time = memories they (and you) won’t forget.

Big Gifts, Small Stress: Keri Mag-Personalize with GGives

Looking to make this Christmas extra special for the breadwinners in your life? Enter GGives! Your ultimate holiday sidekick that lets you snag the perfect presents without breaking the bank.

With a budget that can be as big as ₱125,000, which you can pay later in easy, budget-friendly installments—no down payment needed. Abot-kaya, hassle-free, at masaya, GGives’ flexible payments let you pull off thoughtful gifts without the stress. This season, it’s your turn to shine as the ultimate gift-giver the OG Breadwinners have always deserved.

They spent years giving, juggling everything so you wouldn’t have to—now it’s your turn to spoil the OG breadwinners. With smart choices and GGives by your side, kering-keri mo na ang perfect gifts!  

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You can access GGives through the GCash dashboard or click the “Borrow” button. GGives is subject to eligibility. Terms and Conditions apply. No GCash yet? Download the GCash App on Apple App Store, Google Play Store, or Huawei App Gallery. Kaya mo, i-GCash mo!

GCash Study Now, Pay Later supports students’ college journeys to help build their future

With Study Now, Pay Later, working students are given flexible payment options
to fund their tuition fees and realize their dreams

Working students are now a step closer to finishing their studies through the Study Now, Pay Later (SNPL) program of Fuse Financing Inc., the lending arm of GCash. This flexible lending option powered by GGives provides students and families with an instalment-based payment system that covers up to 100% of tuition with no down payment and lower interest rates.

For many Filipinos, financial challenges remain the biggest barrier to completing a college degree. Tertiary education in the country faces high dropout rates, with financial strain as the primary cause. The SNPL program seeks to help close this gap and empower more students to finish their education.

A financial safety net for students

As for the 21-year-old accounting student, Xander Gandionco faced his own hurdles. As the eldest of three siblings, he worked as a service crew employee to help support his family and fund his education. While he managed to balance both responsibilities, there were moments when tuition became a concern. 

Discovering the SNPL program through an email from his school changed that. The fast approval and manageable terms gave him a lifeline to continue his education. “I thought I wouldn’t be able to enroll this semester. But when I saw that I was approved for the loan, I gained hope,” he shared.

Managing the tightrope of income and tuition

The most profound impact, however, is often felt by those who are completely independent. Lee Visitacion, a 21-year-old Psychology student and a call center agent in a BPO company, has been living and supporting herself for almost 10 years. Her life, which she describes as "independent", meant there was no safety net when an unexpected financial crunch hit during the enrolment deadline.

“There was a time when I didn't have hope because it was the last week of enrolment, and I was planning to abandon my job,” Kim recalls. “But when the loan was approved, it was a big help because it allowed me to enroll.” The quick and easy approval process was a lifesaver that prevented her from dropping out at the last minute.

Similarly, Crysquei Aiko, a 22-year-old Information Technology student, described her life as "challenging" because she supports herself entirely, managing expenses like rent, bills, and food alongside her studies. For her, the loan provided necessary breathing room when her salary couldn't stretch far enough.

"My income is divided for rent, bills, food, and tuition, which makes it tight for my studies," Crysquei explained. The realization of the financial challenge hit when she risked not being enrolled. By accessing SNPL, she was able to use her income to manage her monthly commitments while ensuring her education continued. "The loan helped me enroll on time when I didn’t have enough money, which gave me the chance to continue my studies."

For these students, the program represents more than just a payment option—it's a commitment to their future. With features such as flexible payment terms, full tuition coverage, and easy-to-meet requirements, the program makes it possible for more Filipinos to continue pursuing their college education.

“At Fuse, we believe in a future where financial limitations do not stop a student's dream. Our Study Now, Pay Later program is a testament to this, as we provide fair and inclusive lending to empower the next generation,” said Tony Isidro, president and CEO of Fuse Financing Inc.  “This is another step toward our commitment to easing the burden of upfront school fees and helping more students unlock the opportunity of a college education.”

The experiences of Xander, Lee, and Crysquei show how inclusive lending can change lives and empower Filipinos to build a better future for themselves and their families. The Study Now, Pay Later program is more than a financial solution — it is a vehicle for improving access to education and reducing dropout rates in the country.

For more information, please visit www.gcash.com.