Easy-to-Use GCash Payment Solutions Help Filipino MSMEs Grow Their Businesses

Across the Philippines, micro, small, and medium enterprises (MSMEs)—from online sellers and cafés to neighborhood retail shops—are thriving not only through grit, but also with the help of digital tools that make operations easier and support business growth. Going digital, indeed, is the ideal path for merchants of all sizes as the economy pivots to a cash-lite society.

 

G-Xchange Inc. President and CEO Ren-ren Reyes, in a speaking engagement at the ANT Mo:Ments summit in Kuala Lumpur, Malaysia, stressed that digital tools must not only enable micro, small, and medium enterprises (MSMEs) to access digital payments but also improve the way they run their businesses.

 

GCash for Business is doing so with a suite of next-generation payment systems built to help Filipino merchants move faster, serve more customers, and grow their businesses more efficiently.

 

A seamless and inclusive payment ecosystem

 

For many MSMEs, going digital remains easier said than done. While studies show that 77% of MSMEs are interested in digital tools, only 20% have fully adopted them due to costs and technical skill gaps.

 

GCash for Business is making digitalization more accessible for them. The fintech leader offers easy-to-use payment solutions. These enable tap-to-pay and card transactions, giving merchants a faster and simpler way to accept payments.

 

More than these, merchants can access tools that help automate operations, attract customers through promos, and improve business management. The goal is to help businesses spend less time dealing with manual processes and more time growing their operations.

 

“We are helping merchants transition from manual roadblocks to digital efficiency, transforming everyday payments into engines for growth. With these devices and platforms, we are bridging the connectivity gap and ensuring that every Filipino entrepreneur—regardless of their location—has a seat at the table of the formal economy,” Reyes said.

 

Building a digital track record for financial growth

 

Reyes further highlighted how digital transactions can help merchants build financial credibility.

 

Today, 55% of MSMEs have never applied for a formal loan, often because of fear of debt, high interest rates, and complicated application requirements. Many small business owners still rely on informal borrowing or personal savings, limiting their ability to expand operations, manage cash flow, or recover from unexpected expenses.

 

With GCash for Business, merchants can create a digital track record that may help them access financing options that are faster, fairer, and more inclusive. The lending arm of GCash, Fuse Financing Inc., has disbursed P406 billion worth of loans to 11.1 million unique borrowers to date. One in three borrowers is a small business owner.

 

By helping small businesses overcome barriers to digital adoption, GCash is turning everyday transactions into opportunities for growth, inclusion, and long-term financial progress for merchants across the country.

 

To get started, merchants can sign up via the GCash for Business Portal at business.gcash.com to gain access to affordable payment solutions and an easy to use all in one dashboard.

Get Instant Answers 24/7 with the AI-Powered Skyro Help Center

Have you ever had questions about how installment payments work, interest rates and fees, how to pay for your loan, or what IDs are accepted? As customers, we want fast answers to these important questions, but the experience can take longer than expected when we have to search through many articles or aren’t sure what to do next.

 

Recognizing these challenges, Skyro, a SEC-registered fintech company in the country, has introduced the Skyro Help Center, an AI-powered support experience that allows customers to get instant answers about how Skyro products and services work through a simple, chat-style conversation, without waiting for customer support.

 

“Many people want quick answers when they have questions about loans or payments. Having clear, accessible information and reliable customer support helps make the experience smoother and easier for customers,” explained Skyro Head of Marketing Iya Lelyanova.

 

With the AI-powered Skyro Help Center, Skyro hopes to make it easier for customers to get fast answers about Skyro products and services anytime. It also goes one step further by sharing helpful tips and information to make everyday finances simpler. “We want our customers to have a seamless support experience whenever they need.”

 

The Skyro Help Center works like a smart assistant that offers answers in one simple chat in under a minute. Customers get clear, fast answers on topics like product features, monthly payment amount or due date changes with Flexi, interest rates, and more. The responses are based on how Skyro products are designed to work, so customers can understand the steps and what to expect.

 

Even better, they can continue with follow-up questions in the same conversation as the smart assistant remembers context within the session. It can also connect answers to the official Help Center articles if customers want to learn more or explore related topics.

 

“We know our customers value their time, so we focus on giving clear, personalized answers right away. With AI chat support, they can quickly get the information they need without searching through long articles,” explained Skyro Head of Customer Care Jorge Brisuela.

He added that the Help Center also aims to empower readers with knowledge to make informed financial decisions: “It’s not just about answering questions. We want our customers to feel more confident about managing their money by sharing helpful advice, even on things they may not have thought about yet.”

 

For general questions about Skyro products and services, customers can start with the Skyro Help Center. But if they have account issues or a personal request, the Customer Care team is always ready to help through the in-app chat. With the new AI-powered Skyro Help Center, users don’t have to search through multiple pages to understand how each product works. They can get clear answers anytime through the AI chat, 24/7.

To know more about Skyro, download the app for free on Apple Store for iPhone users and Google Play for Android users or visit Skyro and follow its social media accounts, Facebook, Instagram, LinkedIn, and TikTok.

GCash Pushes Responsible AI as Key to Inclusive Growth at Philippine National Innovation Day 2026

Responsible use of artificial intelligence (AI) is critical in driving inclusive and sustainable growth, as it can address persistent gaps in financial access and literacy, particularly in a mobile-first yet risk-exposed region like Southeast Asia. This was the key message of GCash, the country’s leading finance app and largest cashless ecosystem, as it joined policymakers and industry leaders at the 2026 National Innovation Day.

 

Held at the Diamond Hotel Manila, the event, organized by the Depdev National Innovation Council in partnership with ASEAN, brought together key stakeholders under the theme “AI for Growth, Opportunity, and Sustainability in ASEAN (AGOS)”, focusing on how emerging technologies can be scaled safely across the region.

 

During the discussions, Mynt chief data officer Sara Venturina highlighted how GCash is leveraging data and AI to help deliver equitable fintech access to Filipinos. “If we don’t use technology responsibly, it will lead to more inequality,” Venturina said. “At Gcash, we harness the power of data and AI to help move Filipinos toward financial progress, while ensuring that inclusion remains at the center of innovation.”

 

She emphasized that GCash’s AI strategy is grounded in improving customer outcomes while upholding strict standards for data privacy and protection. This includes carefully evaluating how technologies are deployed, ensuring efficiency without compromising accessibility or trust.

 

As conversations around AI governance continue to evolve, Venturina also pointed to the need for stronger industry-wide standards. “As AI scales, the question is not just how we build these systems, but how we ensure they remain fair, safe, and accessible,” she said, citing the importance of standardized testing and evaluation frameworks.

 

She added that accountability remains constant regardless of where data is stored, reinforcing GCash’s commitment to safeguarding user information.

 

“Whether the data resides locally or in a data center, the responsibility to protect that data remains with us, and we take that seriously.”

 

GCash also highlighted the growing role of emerging technologies that enable the safe use of data while preserving user privacy, allowing institutions to innovate without compromising trust.

 

The broader event featured discussions on national innovation policy and digital transformation, with key insights from government leaders, including Department of Science and Technology Secretary Dr. Renato Solidum, Department of Education Secretary Atty. Juan Edgardo Angara and President Ferdinand R. Marcos Jr.

 

As AI adoption accelerates across the Philippines and the ASEAN region, GCash reaffirmed its commitment to working alongside government and industry partners to advance responsible innovation—strengthening financial literacy, enhancing data governance, and expanding access to digital financial services for more Filipinos.

 

For more information, visit https://www.gcash.com.

To Better Serve Filipinos, GCash Pushes for Digital Transformation Advancements in Manila Tech Summit 2025

Government agencies and private sector leaders, including the Philippines' leading finance super app GCash, strengthened their position in advancing digital transformation in the financial sector during the 2025 Manila Tech Summit.

 

With the theme “Forging a New Global Order: Risks and Opportunities Redefined,” the Manila Tech Summit gathered global and local leaders to explore how technology can reshape economies into digitally inclusive societies and to discuss the opportunities and risks of an increasingly digital world. Within this platform, GCash presented how its comprehensive suite of services — including payments, savings, insurance, and lending — is redefining access to finance for millions of Filipinos.

The event was honored by the presence of president Ferdinand “Bongbong” Marcos Jr., who delivered the keynote address. He reported that the country's digital sector grew to P2.25 trillion last year and generated 11.3 million jobs, signifying its vital role as a key driver of economic growth. "Now this is a good development, but there is much room for growth. We see the greater need to tap the endless possibilities of a truly digital Philippines," he said. 

To further advance digitalization, the President said they are building more internet infrastructure and free WiFi sites across the country. He stressed that advancing the country’s digital capabilities is crucial for driving inclusive growth.

GCash champions financial inclusion for all

GCash, at its core, champions financial inclusion by providing accessible, responsive, and innovative digital financial solutions that empower every Filipino to participate in the digital economy. Oscar Enrico “Ren-Ren” Reyes, Jr., president and CEO of G-Xchange, Inc., shared this during his remarks at the summit. 

 

The GCash official said that the widespread adoption of digital finance is helping uplift unbanked communities, empower MSMEs, improve tax collection, and strengthen public trust. He stressed that GCash is at the forefront of building "digital rails" that are safe and secure, enabling inclusive access to financial services.

 

“At GCash, we believe innovation only matters when it reaches the many, not the few, because nation-building is inclusive. We are not just in the business of finance. We are in the business of building hope,” Reyes added. 

 

GCash as an all-in-one platform

 

Having a GCash account is only the first step. True financial inclusion means having access to tools that not only make everyday transactions easier but also help users plan for emergencies and prepare for a brighter future. This was the message shared by Winsley Bangit, group head for new businesses at Mynt (the holding company of GCash), during a recent panel discussion.

 

The discussion explored how a full ecosystem of self-service kiosks, banks, grassroots fintech players, and policy innovations is empowering every Filipino with access to essential financial services from bill payments and savings to investments, regardless of location or income level. 

 

“Finance for all has always been at the core of GCash. We provide the convenience and the benefit of digital payments and services,” said Bangit. At its foundation, GCash helps Filipinos thrive in their everyday lives with seamless money transfers, bill payments, and self-service tools. It also offers accessible savings and insurance options, helping users stay ready for life’s uncertainties. And when it comes to reaching long-term financial goals, users can take advantage of our investment offerings too, like GFunds, GStocks, and GBonds—empowering them to prepare for that one special day.

 

Accessible and fair lending powered by tech

 

To truly empower consumers and small businesses alike, GCash, through its lending arm Fuse Financing Inc., provides accessible and responsible digital lending solutions that enable users to manage cash flow, cover essential expenses, and seize growth opportunities. With 57% of Filipino adult borrowers still relying on informal credit such as 5-6 schemes or other predatory lending sources where interest rates can go as high as 20%, Fuse is leveraging technology and AI to expand credit access and promote fair and dignified lending, especially to the unbanked and underserved. 

 

“In the end, what it unlocks is financial inclusion. It enables customers who previously did not have access to formal lending because they don't have bank statements,” he stressed. 

In fact, Fuse Financing Inc. president and CEO Tony Isidro highlighted its in-house trust scoring system, GScore. Isidro said they can provide financing to borrowers without traditional credit histories by using alternative data, such as in-app transaction behavior.  

 

Isidro also shared one of its flagship products, GLoan Sakto, a sachet-type loan, where eligible borrowers can borrow as low as Php 100 and repayable in 14 days, just enough to bridge them to the next payday.  This product serves users who are commonly tagged as ‘high risk’ by traditional lenders and have no other access to formal credit. 

 

“At GCash, we believe that doing good is good business — that’s why we make affordable loans accessible, so more Filipinos can build better lives while fueling inclusive growth,” Isidro said. 

 

User safety above all

As the country’s leading finance super app, GCash places the highest priority on protecting its users by leveraging safe and reliable technology.                              

                                                   

GCash chief information security officer Miguel Geronilla discussed how they deploy the latest technology to ensure the cybersecurity of its users, in addition to collaborating with other institutions to fortify their expertise. “Beyond security, it’s about trust and transparency. At GCash, we make sure our customers know what to do and how to take action if fraud ever happens,” he added.

With millions of Filipinos relying on its platform for daily financial transactions, GCash continuously invests in advanced security measures to safeguard customer data and maintain trust.”

 

Through its participation in the Manila Tech Summit, GCash reaffirmed its role not only as the country’s leading finance super app but also as a trusted partner in nation-building in keeping a cybersecure Philippines. By championing financial inclusion, empowering small businesses, providing accessible lending, and prioritizing user safety, GCash continues to redefine how technology can drive progress for all.

 

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