NEWS & ARTICLES

Have you ever thought about how industry cleans its influent water to make it effluent and finally cleaned and treated so you can use it again as safe water? Influent is what you produce at factories and industries that have water discharge in their operations....

Depoliticize Monetary Policy—But Don’t Stop There   The fourth lesson is about the importance of central banking. In the 1970s, weakly independent central banks, heavy wage indexation, and strong political pressure to accommodate inflation led European countries to experience stagflation—high inflation with low growth. Only...

Every day, we hear about Artificial Intelligence (AI) driving disinformation and financial crimes. Political interference, misleading videos during conflicts, AI-powered financial and identity fraud, and troll farms continue to dominate conversations about truth, financial security, governance, and civil discourse. Consider the scale: deepfake videos number...

As the Philippines hosts the ASEAN meetings in 2026, the region faces a world where energy can once again be weaponized, shipping lanes disrupted, and prices pushed far beyond what households and businesses can withstand. Europe experienced these challenges decades ago. Its journey from the...

Decades ago, the invention of the calculator was seen as a disruptive breakthrough, reshaping how calculations were performed and how quickly problems could be solved. Since then, each wave of innovation has pushed boundaries even further, from spreadsheets to automation and now to artificial intelligence....

[Lifted from the speech of the author as Closing Keynote Speaker at the recent Management Association of the Philippines (MAP) 3rd MAP Summit on Shared Prosperity.]   As we bring this Summit to a close, we are left with a defining question:   What kind...

For years, reformers have spoken of “Open Banking” and “Open Finance.” These are important ideas, but they sound technical and distant. What the Philippines truly needs is something clearer and more ambitious: what I call Full Picture Credit.   We need a system where a...

[Lifted from the speech of the author as Keynote Speaker at the recent Management Association of the Philippines (MAP) 3rd MAP Summit on Shared Prosperity.]   This is not a speech. It is a call. A call from one ordinary Filipino, one among more than...

I was born in the 1960s, and it would be an under-statement to say that the world has undergone a massive change.  We grew up without cell phones, video games, personal computers, email, chat and internet.  I remembered in the early 1980s, after graduating high...