SOCIAL MEDIA

Filipinos Only Ready for Up to ₱50K in Emergencies – PURPLE Report

Tuesday, November 4, 2025


Many Filipinos still struggle to stay financially ready for life’s emergencies — here’s why.

Meet Pia, a 35-year-old senior executive, a loving wife, and a devoted mom of two. On paper, her life looks picture-perfect. But like many hardworking, middle-class Filipinos, she quietly worries about one thing: what happens when an emergency strikes?

According to the PURPLE Report, a study by EastWest Ageas in partnership with NielsenIQ, most Filipinos have only ₱50,000 in emergency savings barely enough to cover a major hospital bill or an unexpected crisis. Even more concerning, only 2 in 10 Filipinos have savings that could last over three months.

Why It’s Hard for Filipinos to Save

The report shows that 30% of an average Filipino’s income goes to basic needs like food, rent, transportation, and utilities. With such tight budgets, it’s no surprise that long-term financial planning often takes a backseat.

Still, the desire for security is strong. Over 52% of respondents said they worry about their loved ones’ health, while 24% are anxious about critical illnesses and the massive expenses that come with them.

Here’s the reality check: a study from the Philippine Statistics Authority (PSA) found that ischemic heart disease remains the country’s leading cause of death  and the average treatment cost can soar to ₱690,000. That’s far beyond what most households can afford. Even with public healthcare and social welfare coverage, many families struggle when the family breadwinner can’t work.

The Readiness Gap

Interestingly, the PURPLE Report reveals that financial preparedness tends to improve with age. Those over 40 are more likely to have three months’ worth of emergency savings, while younger adults (22–39) admit to having less.

Economic pressures like inflation, income instability, and rising living costs make it even harder for Filipinos to grow their savings. In emergencies, many fall back on personal savings, family support, or informal loans, a system rooted in Filipino resilience and bayanihan, but one that exposes how fragile financial stability can be.

Bridging the Gap Between “Wanting to Be Ready” and “Being Ready”

Filipinos shouldn’t have to choose between paying bills today and saving for tomorrow. The report suggests that financial literacy, tailored insurance plans, and inclusive savings programs can help make preparedness more achievable.

“Readiness” isn’t just about having money set aside  it’s about access, education, and empathy. Every Filipino deserves a life that’s secure, with affordable healthcare and financial solutions designed for real-life needs.

If banks, insurers, and government programs work hand-in-hand to empower communities, then perhaps the next generation of “Pias” won’t just survive crises, they’ll thrive beyond them.

It’s Time to Redefine Readiness

We’ve all been in Pia’s shoes juggling bills, family, and goals while hoping life doesn’t throw us a curveball. The PURPLE Report reminds us that preparedness is possible, but it takes the right mindset, habits, and support systems.

Start small. Save a little. Learn often. Protect what matters. Because being ready isn’t just about money, it’s about peace of mind. 
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ASEAN Data Science Explorers 2025 Empowers Youth Innovators


Filipino and ASEAN youth showcase tech-powered solutions for a sustainable, competitive region

In today’s digital era, data is more than just numbers — it’s power. And for hundreds of young changemakers across Southeast Asia, it’s also a tool to solve some of the region’s most pressing problems.

Held in Kuala Lumpur, Malaysia, the ASEAN Data Science Explorers (ASEAN DSE) 2025 Regional Finals brought together the brightest students from 10 ASEAN Member States. Organized by the ASEAN Foundation in collaboration with SAP, the event marked the ninth year of this regional competition that challenges students to turn data into actionable insights supporting the United Nations Sustainable Development Goals (SDGs).

Data-Driven Ideas for Real-World Impact

Using the SAP Analytics Cloud, the finalists presented innovative projects tackling issues such as hunger, sanitation, sustainable cities, and climate action.

The top honor went to Team DataMinions from Lao PDR, whose project Namjai Smart Water Tank detects harmful substances in water and alerts communities and authorities to ensure clean, safe water access. Their innovation aims to address water quality issues across Lao PDR, Cambodia, and the Philippines.

Meanwhile, Team Mamamamoodeng from Thailand and Team MyKXLab from Malaysia secured the first and second runner-up spots, respectively.

“Seeing other teams’ projects was so inspiring,” shared Palinya Sengdalavong and Kounlasatty Manivong of Team DataMinions. “This experience encouraged us to keep improving and create a lasting impact for the ASEAN community.”

Filipino Finalists Spotlight the Water Crisis

Representing the Philippines, Team Sharksfin composed of Lizzie Annika Montemayor and Val Allen Eltagonde from Ateneo de Manila University tackled the region’s growing water crisis with their project HydroLink.

The system integrates a groundwater monitoring device with a mobile app and centralized dashboard, helping communities track water quality in real time.

“In areas like Panglao and Los Baños, residents face salinity and bacterial contamination in drinking water,” the team explained. “With HydroLink, we hope to transform a last-mile crisis into a first-mile opportunity for data generation and community empowerment.”

Bridging the Digital Skills Gap in ASEAN

The ASEAN DSE program addresses an urgent challenge: preparing the region’s youth for a data-driven global economy.

A 2022 ASEAN Foundation and Google study revealed that over 72% of underserved youth in ASEAN lack advanced digital skills, even as demand for data-savvy professionals rises. Through workshops and competitions, ASEAN DSE empowers young people especially those from underserved communities  to build technical skills, creativity, and confidence in solving regional challenges.

Since its inception in 2017, ASEAN DSE has reached over 111,000 youths and 3,300 educators, with 55% of participants being women  highlighting the program’s commitment to inclusivity and equality in tech.

Leaders Champion Digital Readiness

Supported by the Ministry of Education Malaysia under the ASEAN Chairmanship 2025, this year’s regional finals emphasized the importance of digital literacy for sustainable growth.

“The ASEAN DSE programme shows how collaboration can drive innovation and equip youth with future-ready skills,” said Dr. Mohd. Azam Ahmad, Director General of the Ministry of Education Malaysia. “It aligns with Malaysia’s Education Blueprint and prepares our young people to thrive in a digitally connected world.”

Echoing this, Dr. Piti Srisangnam, Executive Director of the ASEAN Foundation, described the initiative as a cornerstone in youth empowerment.

“By providing digital tools and data skills, we enable young talents to innovate and contribute to ASEAN’s development,” he said.

Liher Urbizu, President and Managing Director of SAP Southeast Asia, added:

“Our collaboration with ASEAN Foundation reinforces SAP’s mission to empower the next generation with entrepreneurial and digital skills that can drive positive change.”

The Future Is Data-Driven and Youth-Led

The ASEAN DSE 2025 Regional Finals prove that the youth aren’t just future leaders, they’re already shaping solutions today. From fighting climate change to solving water crises, these students are turning insights into impact, data into development, and dreams into action.

For Filipino youth, it’s a reminder that the power to create change lies in curiosity, creativity, and collaboration with data as their strongest ally.
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Couchbase 8.0 Launches Unified AI Data Platform


A unified, high-speed data platform designed for AI innovation and scalability

Artificial intelligence (AI) continues to transform the way we work, create, and connect—and now, Couchbase 8.0 is helping developers take those innovations even further. The latest version of the developer data platform officially brings end-to-end AI lifecycle support to enterprises, empowering them to build fast, reliable, and scalable AI-driven applications at a lower cost.

Whether for startups exploring AI chatbots or enterprises deploying agentic systems, Couchbase 8.0 delivers what today’s developers need most: speed, precision, and flexibility.

Why Couchbase 8.0 Matters for AI Development

According to Couchbase, the new release introduces three powerful vector indexing and retrieval technologies that make it easier for developers to manage massive AI data workloads in real time. These include:

Hyperscale Vector Index (HVI): Built for billion-scale datasets, this index delivers lightning-fast vector searches with millisecond latency.

Composite Vector Index: Allows pre-filtered queries to refine vector searches for more targeted, contextual results.

Search Vector Index: Supports hybrid searches combining vector, text, and structured data in a single query.

These features make Couchbase a unified data platform capable of managing structured and unstructured information—a crucial advantage for real-time, context-aware AI applications.

Proven Billion-Scale Performance

Independent benchmark tests revealed that Couchbase’s Hyperscale Vector Index can handle massive datasets without sacrificing accuracy or speed.

Performance test: Up to 19,057 queries per second (QPS) with 28ms latency and 66% recall accuracy

Accuracy test: Over 700 QPS at 93% recall accuracy with sub-second response times

Compared to a leading cloud database competitor, Couchbase performed 3,100x faster in speed tests and 350x more efficient in accuracy tests, showcasing its unparalleled scalability for large-scale AI workloads.

“Scaling AI requires a developer platform built for speed and reliability,” said Matt McDonough, SVP of Product at Couchbase. “With end-to-end RAG workflows and our Hyperscale Vector Indexing, Couchbase helps organizations create trustworthy, high-performance AI systems while keeping costs low.”

Enhanced Security for Enterprise-Grade AI

Security remains a top concern for enterprises embracing AI. Couchbase 8.0 directly addresses this by introducing native data-at-rest encryption (DARE) and Key Management Interoperability Protocol (KMIP) support  ensuring that sensitive data remains safe, encrypted, and compliant across environments.

It also strengthens cross data center replication (XDCR) for improved reliability and disaster recovery, ensuring that even globally distributed businesses can meet data residency requirements while maintaining performance and uptime.

Simplifying AI Development for All Skill Levels

Couchbase 8.0 isn’t just for seasoned developers, it’s built to help teams of all skill levels create AI applications efficiently.

Developers can now use natural language queries (instead of complex SQL++ code) to interact with data, making the platform more accessible. Additional tools such as query workload repositories and user-defined search synonyms further enhance productivity and troubleshooting.

“By simplifying complex data architectures and integrating vector capabilities, Couchbase makes AI development faster and more accessible,” said Kate Holterhoff, Senior Analyst at RedMonk.

AI Development, Reimagined

As the Philippines continues to grow its digital economy, Couchbase 8.0 arrives at the perfect time. From AI-driven customer service to predictive analytics and creative automation, this unified data platform gives Filipino developers and enterprises the tools to scale innovation confidently.

If you’re building the next big AI solution or want to streamline your data infrastructure, Couchbase 8.0 might just be the secret weapon your development team has been waiting for.

Try it today at www.couchbase.com.
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Manulife Brings Personalized Gut Health Screening to the Philippines: A Step Toward Smarter, Preventive Wellness

Sunday, November 2, 2025


A new way for Filipinos to take control of their health

With rising healthcare costs and growing health concerns, more Filipinos are realizing that prevention truly is better than cure. In response, Manulife Philippines has teamed up with AMILI, Southeast Asia’s first microbiome insights company, to bring personalized gut microbiome screening to the country.

This innovation gives Filipinos access to science-backed tools that help them understand their gut health better empowering them to make informed lifestyle and nutrition choices for improved immunity, digestion, and overall well-being.

Why Gut Health Matters More Than Ever

A recent 2025 Asia Care Survey revealed that 82% of Filipinos worry about increasing healthcare costs, while many feel uncertain about maintaining both their physical and financial well-being. By offering microbiome testing designed for Asian populations, Manulife is giving customers a chance to take a proactive approach to health focusing on early detection and prevention instead of expensive treatments later on.

Science Meets Insurance: Manulife’s Next-Level Health Approach

Manulife Philippines President and CEO Rahul Hora shared that the partnership with AMILI represents a major step forward in redefining what health protection can mean for Filipinos.

“This collaboration allows us to go beyond traditional insurance by offering a unique, proactive health experience,” Hora said. “We want to empower our customers to make better health decisions through innovation and personalized care.”

Through the program, Manulife customers can access a personalized gut health screening, complete with nutrition recommendations and teleconsultations to help interpret results. These insights can improve not just digestion, but also immunity, mental health, heart function, and longevity.

Empowering Filipinos Toward Preventive Wellness

Grace Mallabo, Manulife Philippines’ Chief Health and Product Officer, emphasized that this initiative reinforces the company’s role as a true partner in health, not just a financial safety net.

“We’re giving Filipinos access to science-based tools and preventive care so they can make informed decisions and live better lives,” Mallabo said.

By integrating personalized insights into its services, Manulife aims to support longer, healthier lives for Filipinos, helping reduce the burden of medical costs in the long term.

AMILI’s Science-Backed Insights

AMILI’s testing is powered by the largest multi-ethnic gut microbiome database in Southeast Asia, offering insights into digestive health, immunity, mental wellness, and chronic disease prevention.

Dr. Jeremy Lim, AMILI’s CEO and Co-founder, expressed enthusiasm for expanding their reach through this partnership:

“We’re proud to support Manulife’s customers in the Philippines with actionable, science-backed insights. This is a big step toward making preventive care accessible across Southeast Asia,” he said.

Building a Healthier Future for Filipinos

This initiative expands on Manulife and AMILI’s First-in-Asia Gut Microbiome Screening, which first launched in Singapore in 2024. It’s part of Manulife’s broader commitment to making healthcare more personal and accessible through technology and innovation.

To learn more about Manulife’s wellness initiatives, visit manulife.com.ph/services/manulife-move.html.

Health Starts From Within

As Filipinos continue to juggle busy lifestyles, this collaboration reminds us that good health begins in the gut. Taking a simple microbiome test could be your first step toward a stronger immune system, sharper mind, and longer, healthier life.

If you’ve been meaning to prioritize your wellness, now’s the time to take charge, science and innovation are finally on your side.
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EastWest BizAccess Visa Debit Empowers Filipino SMEs

Friday, October 31, 2025


A new way for SMEs to bank smarter, faster, and more securely

Managing a business in today’s fast-paced world can be challenging—especially for small and medium-sized enterprises (SMEs) that make up 99% of businesses in the Philippines. Recognizing this, EastWest, in partnership with Visa, has launched the BizAccess Visa Debit, an innovative business banking solution designed to help entrepreneurs simplify their financial management and take full control of their operations.

This new product combines a checking account, digital tools, and Visa-powered features that empower business owners to handle everything from daily transactions to cash flow management—all in one convenient platform.
Simplifying business banking for the modern entrepreneur

The EastWest BizAccess Visa Debit Card lies at the heart of this new business banking experience. It allows entrepreneurs to separate business and personal funds, track transactions in real time, and manage payments securely—from purchasing supplies to paying vendors.

Business owners can also issue up to ten BizAccess cards to their staff, giving them a streamlined way to monitor expenses under one account. Each card comes with travel accident insurance, instant transaction notifications, and access to exclusive Visa promos and rewards designed especially for SMEs.

As a launch treat, EastWest is waiving over-the-counter fees for deposits and withdrawals and offering a special welcome promo to new BizAccess users.
Empowering growth with EasyBiz Online Business Banking

The BizAccess Visa Debit Card is paired with the BizAccess Checking Account, which requires a minimum maintaining balance of ₱25,000. Through EasyBiz Online Business Banking, entrepreneurs gain full digital control over their finances.

From viewing balances and paying suppliers to processing government dues via eGov and handling corporate bills, EasyBiz helps SMEs save time and stay organized. The platform even includes card lock and unlock features, adding an extra layer of control and security.
Celebrating Filipino entrepreneurship

During the launch, EastWest and Visa honored several inspiring business partners who embody Filipino creativity and resilience: Aficionado, Bosch Car Service, Colombo Merchant Philippines, Kenzo and Kloe’s Nature Farm, and Nacho King. These brands represent the diverse industries that BizAccess aims to support—from retail and food to automotive and agriculture.

EastWest Chief Executive Officer Jerry Ngo expressed pride in launching a solution tailored for the country’s entrepreneurial backbone:


“SMEs are the backbone of the Philippine economy, and we’re proud to give them the tools they need to thrive. BizAccess goes beyond being a debit card—it’s a business partner that helps entrepreneurs manage finances easily, securely, and confidently.”

Sid Bada, Visa’s Head of Clients, Visa Philippines, added:


“With BizAccess, SMEs gain access to trusted and convenient payment solutions that simplify how they operate while also connecting them to Visa’s global network of offers and rewards.”
Making business banking simple and empowering

SME owners and decision-makers can now apply for the EastWest BizAccess Visa Debit Card at any EastWest Store nationwide. Entrepreneurs can easily open their BizAccess Checking Account online, activate their cards via EasyBiz, and start enjoying a smarter way to bank.



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USA Cheese Guild Empowers Future Filipino Chefs with Global Cheese Education

Thursday, October 30, 2025


Bringing world-class cheese expertise to the Philippines

Cheese lovers, rejoice! The USA Cheese Guild has officially brought its USA Cheese Specialist™ Certification Program to the Philippines — marking another milestone in culinary education for aspiring Filipino chefs. Originally launched in Singapore, this globally recognized program continues its Southeast Asian expansion, equipping culinary students and professionals with expert-level knowledge about one of the world’s most beloved ingredients.

USA Cheese Specialist™ Certification Program at CCA Manila

The Center for Culinary Arts (CCA Manila) has partnered with the USA Cheese Guild to integrate a three-tiered certification program—Associate, Intermediate, and Advanced—into its second-year culinary curriculum. Through this, students gain in-depth insights into cheese families, proper storage and handling, and even artisanal cheesemaking.

More importantly, it empowers them to use cheese as a creative and functional ingredient, elevating Filipino classics with a global twist. Imagine your favorite baked spaghetti, kaldereta, or puto with just the right touch of rich, creamy U.S. cheese!

Investing in the future of Filipino culinary talent

According to Dali Ghazalay, Regional Director for Southeast Asia of the USA Cheese Guild, the partnership is more than just about teaching techniques—it’s about nurturing creative mindsets.

“By working directly with culinary students, we’re investing in the future of the food industry in the Philippines,” Ghazalay explained. “The USA Cheese Specialist™ certification isn’t just a credential — it’s a creative mindset that inspires chefs to treat cheese as a transformative ingredient.”

For Dr. Veritas Luna, Chancellor of CCA Manila, the collaboration supports the school’s mission to promote international standards and continuous faculty development.

“This milestone partnership with the USA Cheese Guild enhances our commitment to global culinary excellence and gives our students a competitive edge, both locally and abroad,” she shared.

Why USA Cheese stands out

Cheese from the USA blends traditional craftsmanship with modern innovation, using high-quality cow’s milk and sustainable farming practices. The U.S. is the world’s largest single-country producer and exporter of cheese, offering countless varieties that deliver superior flavor, performance, and quality — perfect for both home cooks and professional chefs.

Cheese education beyond the classroom

Even if you’re not enrolled in CCA, you can still explore the flavorful world of USA Cheese in your own kitchen!

Use cheese with purpose – Grated cheese melts beautifully in Filipino favorites like baked pasta and casseroles, while crumbled cheese adds texture to salads or roasted veggies. Try U.S. Monterey Jack for creaminess or U.S. Pepper Jack for a buttery, spicy twist.

Add nutrition, not just flavor – Cheese is rich in protein, calcium, and healthy fats, and aged varieties are naturally low in lactose.

Reimagine Filipino desserts – Top your puto with melted U.S. Monterey Jack or make creamy desserts using U.S. Cream Cheese. You can even serve a dessert cheeseboard with local fruits, nuts, and a cup of tsokolate for a unique treat.

Discover USA Cheese in the Philippines

Through partnerships with local importers and retailers, USA Cheese is becoming more accessible than ever in supermarkets and specialty stores across the country.

Follow @cheesefromtheusa.sea on Instagram and Facebook for delicious recipes, cheesy tips, and updates on upcoming workshops and events.

Experience the versatility and world-class quality of USA Cheese and bring a taste of global innovation right into your Filipino kitchen. 
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Adulting 101: Why You Need to Understand Your Credit Report

Wednesday, October 29, 2025


There comes a time in every young adult’s life when “adulting” suddenly feels real and it usually happens the moment you get your first rejection. Maybe it’s a loan that didn’t get approved, a postpaid plan you were denied, or that dream apartment you couldn’t rent because of “no credit history.”

That’s when you realize: financial responsibility isn’t just about earning money, it’s about being visible to the system that measures trust.

And that visibility begins with your credit report.

Your Credit Report Is Your Financial Reputation

Think of your credit report as your financial ID card. It’s a record of how you’ve handled money, your accounts, payments, and obligations. Within it lies your credit score, a simple number that shows how consistently you pay what you owe.

Together, these two form your financial visibility, a snapshot of how trustworthy you appear to banks, employers, and even service providers.

According to CIBI Information Inc., the country’s pioneering credit bureau, financial visibility is now the new measure of independence. It’s what allows you to rent your own condo, buy your first car, or start a business, milestones that define true “adulting.”

Why Your Credit Score Matters (More Than You Think)

In today’s digital economy, your credit score is more than just a financial metric,  it’s a measure of trust.

Whether you’re applying for a job, signing up for a new account, or taking out a loan, your credit history determines how easily (or how quickly) you get approved.

Having good credit means lower interest rates, better terms, and smoother applications. But a poor or missing credit history can quietly hold you back even if you’re financially capable. It’s the invisible wall that can limit your opportunities without you realizing it.

“Every responsible action, no matter how small, can open doors to more opportunities,” said Pia Arellano, President and CEO of CIBI Information Inc. “It can start with managing bills or small financial commitments well. When you perform responsibly in those, you build trust and that trust leads to access to bigger financial products over time.”

Small Habits That Build Big Financial Credibility

Financial confidence doesn’t happen overnight. It’s built through small, consistent habits that signal reliability. CIBI recommends these simple yet powerful practices to strengthen your credit reputation:

Pay on time. Nothing builds trust faster than consistent payments.

Keep balances low. Use less than 30% of your available credit. It shows discipline.

Borrow with purpose. Take loans or use credit only when necessary.

Stay informed. Check your credit report regularly to catch errors and monitor progress.

These may seem like minor actions, but together, they create a financial footprint that lenders and employers trust. By starting early, even in your 20s, you’re laying the foundation for future milestones like home ownership, car loans, or business financing.

Financial Visibility = Financial Freedom

“Adulting” gets easier when you understand that credit is not just about debt, it’s about access. Responsible financial behavior today opens doors to bigger opportunities tomorrow.

As CIBI emphasizes, visibility is key to financial inclusion. When you build a strong credit record, you give yourself the freedom to take the next big step, confidently and independently.

To learn more about how you can check your credit report or start your financial journey, visit www.cibi.com.ph.
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