New BSP digital bank rules force rural and thrift banks into tiered capital requirements based on digital activity, with no option to step back down.
BSP Digital Bank Rules Create a One Way Door for Rural Banks That Went Digital Read More »
The Philippine power price surge from LNG volatility is forcing the government to ramp up coal, intervene in WESM pricing, and override its own market framework.
Philippine Power Price Surge Forces Government Back to Coal and Market Intervention Read More »
The fare hike suspension replaced a self-executing pricing mechanism with a ₱5,000 cash subsidy that has a documented history of delays, leakage, and unserved beneficiaries.
The Fare Hike Suspension Killed the Only Mechanism That Didn’t Need a Beneficiary List Read More »
The 2026 VAT reform proposal push in the Senate promises consumer relief, but a restructured tax system could hit MSMEs harder than the 12% rate it replaces.
The PUV fuel subsidy gives drivers ₱5,000 in cash aid and a 19% fare hike. Commuters pay both. Fuel dependent MSMEs get nothing. Here is who the crisis response actually covers.
The PUV Fuel Subsidy Comes With a Fare Hike. Commuters and MSMEs Get the Bill. Read More »
The ₱42.57M maynilad penalty for Putatan water disruptions sounds like accountability, but the money routes back to consumers as bill credits, not corporate losses.
Maynilad Penalty Looks Like Enforcement Until You See Who Actually Pays Read More »
BIR Form 1701-MS is still not in eBIRForms or eFPS. With April 15 approaching and no 2026 filing circular yet, here is what the EOPT rollout actually looks like on the ground.
BIR Form 1701-MS Exists. The System to File It Electronically Does Not. Read More »
The BSP cash withdrawal limit for enhanced due diligence jumps from ₱500,000 to ₱1 million under Circular 1230, correcting a policy born from a corruption scandal.
What It Means The Directive Is Sound. The Assumption Behind It Is Not. BSP biometric authentication is the right direction. SMS OTPs have been the weakest link in Philippine digital banking security for years. SIM swap fraud, phishing, and real-time
BSP Biometric Authentication Has a Hardware Problem Nobody Is Talking About Read More »
The 4-day workweek order under MC 114 starts March 9. Here is what it actually means for businesses with pending government transactions.
