NEWS & ARTICLES

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...

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....

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...

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...

In 2025, the Management Association of the Philippines (MAP), through its Trade, Investments and Tourism Committee, undertook the task of gathering inputs from its various sectoral and industry committees to recommend policy priorities to the government. This goal is to maximize the opportunities presented by...

Summary   Resilience gives organizations a competitive edge. Boards must monitor, anticipate, and respond quickly. Stress testing, once the preserve of banks, is now essential for all large organizations. To turn this urgency into action, Boards can take immediate steps: (1) Request a stress testing...

The crisis in the Middle East may ultimately prove more difficult for business than COVID-19.   During the pandemic, there was at least a clear response. Stay home. Get vaccinated. Shift work and commerce online. Governments, businesses, and households may have struggled, but there was...

The $6.8 Billion (B) slice of our IT-BPM industry built on writing code for the world faces an existential question — and the clock is not waiting for us to answer it.   Thirty percent. That is how much of Microsoft’s code is now written...

The Digital Battlefield   In today’s hyper-connected world, the same networks that empower our lives are also being weaponized by criminals. Fraudsters, smugglers, and syndicates exploit encrypted platforms and digital anonymity to commit crimes with alarming sophistication. The Philippines—now among the most digitally engaged nations...