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.
The BSP OTP ban is not a security upgrade. It is a liability reassignment. Here is what AFASA means for banks that are not ready by June 2026.
The BSP OTP Ban Is a Liability Shift Read More »
The TRAIN Law fuel excise tax suspension exists but its three-month trigger exposes a design flaw that both Aquino and Marcos are now working around in different ways.
The NFA palay procurement rules has just been revised. Procurement Gap is now being addressed
DICT blockchain implementation debate shifts from branding to architecture, procurement discipline, and institutional digital trust.
DICT Blockchain Implementation and the Credibility Question Read More »
Calls for a BSP rate cut intensify as growth slows. Here is what it means for MSME borrowing costs, liquidity, and inflation risks.
BSP Rate Cut Debate Intensifies as Growth Signals Weaken Read More »
