Comparison of iPhone 14 Prices in the Philippines
Manila/ Digital/ Updates

How Much is the iPhone 14 in the Philippines? Latest iPhone Pricing Revealed

In partnership with:

I Phone 14 price philippines 1 Photo by Website/Apple

It’s official! Apple revealed its newest iPhone 14 series on Sept. 7, featuring four variants namely the iPhone 14, iPhone 14 Plus, iPhone 14 Pro, and iPhone 14 Pro Max. The tech giant also introduced new Apple watches (Apple Watch Ultra, Apple Watch Series 8, and Apple Watch SE), as well as AirPods Pro.

The iPhone 14 lineup is designed with a ceramic shield for extra durability, a glanceable lock screen, crash detection, Emergency SOS via satellite, a 48-megapixel main camera (up to 4x resolution), an A16 Bionic chip, and improved battery life. It comes in four colors, including Deep Purple, Gold, Silver, and Space Black.

At present, iPhone 14 units aren’t available in the country. Pre-orders in the United States began on Sept. 9 with a delivery date of Oct. 7. For reference, the iPhone 13 series went on sale for first-wave countries on Sept. 24, 2021. After one month of waiting, the units were made available in the Philippines on Oct. 22.

If you’re planning to upgrade or switch to one of the latest iPhone handsets, here’s a quick price and specs comparison to know which model—the standard, the Plus, the Pro, or the Pro Max—is best for you.

iPhone 14 Price Philippines
Photo by Website/Apple

iPhone 14 and iPhone 14 Plus Prices

The iPhone 14 and the iPhone 14 Plus do not differ greatly from one another, except for their display sizes. Similar to iPhone 13, the display size of the iPhone 14 is 6.1 inches. On the other hand, the iPhone 14 Plus is significantly larger, with a screen measuring 6.7 inches.

iPhone 14: 

  • 128GB - P56,990
  • 256GB - P63,990
  • 512GB - P75,990

iPhone 14 Plus: 

  • 125GB - P63,990
  • 256GB - P70,990
  • 512GB - P82,990

iPhone 14 Pro and iPhone 14 Pro Max Prices

The iPhone 14 Pro and iPhone 14 Pro Max upgraded the traditional notch to a new pill-shaped cutout for the Face ID sensors and the front-facing camera. Just like the standard iPhone 14 and iPhone 14 Plus, the display sizes of the Pro and Pro Max measure 6.1 inches and 6.7 inches, respectively.

iPhone 14 Pro: 

  • 128GB - P70,990
  • 256GB - P77,990
  • 512GB - P89,990
  • 1TB - P102,990

iPhone 14 Pro Max: 

  • 128GB - P77,990
  • 256GB - P84,990 
  • 512GB - P96,990
  • 1TB - P109,990

Apple Watch Series 8, Apple Watch SE, Apple Watch Ultra

iPhone 14 price Philippines
Photo by Website/Apple

Apple also introduced the Watch Series 8 with an improved in-class health feature, which has temperature sensors and Crash Detection for severe car accidents.

The new Apple watches are built perfectly for athletes as they were designed with a large, Always-On Retina display and a front crystal that is more resistant to cracking. Other features include 18-hour battery life, fall detection, retrospective ovulation estimates, international roaming, high and low heart rate notifications, ECG app, Workout app, and the all-new Medications app.

Apple Watch Series 8: Starts at P25,990

Apple Watch SE: Starts at P15,990

Apple Watch Ultra: Starts at P52,990

AirPods Pro

iPhone 14 price Philippines
Photo by Website/Apple

The second-generation AirPods Pro is built with upgraded Active Noise Cancellation and Transparency mode for a more immersive spatial audio experience. It is designed with a low-distortion audio driver and custom amplifier for better bass and crystal-clear audio.

It has a powerful H2 chip inside for noise cancellation, so it muffles out loud outdoor noise — like car horns, construction equipment, or even concert speakers.

For a more sustainable listening experience, AirPods Pro are made with 100% recycled rare earth elements in its magnets, plating, and charging case.

Price: P14,990

Now that you have an idea how much an iPhone 14 would cost in the Philippines, you might want to check out these side hustles you could pursue. Wink.

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Manila/ Digital/ Updates
Visa Introduces Latest Innovations in Digital Payment Technology

In partnership with:

VISA launch Photo by The Beat Asia

Leading multinational payment card services company, Visa, unveils an exciting lineup of products that will change the way you pay and manage online transactions. 

Since its foundation sixty years ago, Visa has been driven by the same mission: “to be the best way to pay and be paid for everyone, everywhere.” With this, they created the first global payment ecosystem, giving millions of buyers and sellers the ability to confidently transact online. 

Last July 1, Visa invited its partners and customers for an insightful session at the Samsung Hall at SM Aura Premiere for the unveiling of a suite of digital payment solutions, showcasing how the company is enabling the new era of commerce. 

The Philippines’ digital payment sector is rapidly expanding, with the Bangko Sentral ng Pilipinas (BSP) reporting that 50% of retail payments were digitized in 2023. With digital transactions increasing, Visa’s AI-enabled solutions are set to empower Filipino consumers and business owners by providing secure and seamless payment experiences. 

“The continuously growing digital payment sector in the Philippines makes it a prime environment for technological innovation — one that harnesses AI for the benefit of the digital Filipino business owner and consumer,” said Jeffrey Navarro, Country Manager, Visa Philippines.

Jeffrey Navarro
Jeffrey Navarro | Photo by The Beat Asia

Expanding Connectivity and Payment Innovations

The first of the innovative payment solutions that was introduced touches on the very foundation of how Visa enables seamless commerce in today’s digital world. 

“In the physical world, trust is easier to establish because each card is embedded with a cryptographically protected EMV chip, and that cannot be counterfeited,” explained Michelle Mascariñas, Head of Value-Added Services, Visa Philippines. “When a person makes a transaction, we can be confident that it’s you.”

This isn’t the case in the digital space, however, where online fraud is rampant due to the way buyers still have to manually input their credentials, which include the very sensitive 16-digit card number, CVV, and expiry date, on every merchant’s site that they’re purchasing on. According to Michelle, online fraud is 8x higher compared to face-to-face transactions, and on the seller side, the success rate is 6% lower than what it should be. 

Digital Identity is composed of a suite of solutions that simply ensure that the person making the digital transaction is truly who they claim to be. This includes Passkeys, Tap to Confirm, and enhanced data that identify and authenticate digital users. The solutions are meant to make the process smoother and quicker for consumers, taking away the clunky One-Time Passwords (OTP) while improving payment security and authorization rates with enhanced transaction data and ultramodern fraud prevention techniques. 

The company has already launched this with partners in the Asia Pacific region, including Australian supermarket chain Coles, and Maybank, a leading financial services provider in Malaysia and Southeast Asia.

Michelle also introduced another product meant to lessen the stress of thinking about how to manage your cards. According to their consumer research, the average Filipino has about five cards, including digital wallets, which means consumers are thinking about which card to use every time they pay, such as: "Should I pay for my coffee using my debit? My dining, to my cashback, and so on." 

What if we tell you that Visa can do the thinking for you? With Flex Credential (Flex), cardholders can switch and toggle not just payment modes, but also installments and multi-currencies. It’s also poised to go even further with AI-driven recommendations tailored to each client’s preferences, spending habits, and more. 

Two years ago, Visa first launched Flex in partnership with Sumitomo Mitsui Banking Corporation (SMBC) and Sumitomo Mitsui Card Company (SMCC), through their product Olive. Today, there are more than five million Olive account holders benefitting from it, with cardholder transactions averaging 40% higher than the national average in Japan over the past year. They’re not stopping there as Visa plans to launch it with Asia Commercial Joint Stock Bank (ACB) and two more issuers in Vietnam before the year ends. 

Michelle Mascariñas
Michelle Mascariñas | Photo by The Beat Asia

It's been mentioned that digital payments are rising in the Philippines, and many people today have mobile wallets — either the green or blue one, IYKYK. And although they make transactions more convenient, their footprints are often localized and specialized, meaning they can’t be used abroad. For the average Filipino traveler, this becomes an issue. 

And so Visa is presenting us a solution with Visa Pay, a service designed to connect any participating wallet to any Visa-accepting merchant, local or international, in-store or online

“No physical card, no problem. With just a few clicks, you will have access to over 150 million merchants at the palm of your hand,” stated Ezer Escolar, Head of Product, Visa Philippines. 

It was also explained that Visa Pay will be embedded into the apps, thus streamlining the experience. There will be no complex enrollments or separate cards to manage. Simply activate it and you’re ready to go! This service also has a “Tap to Pay” feature, so buyers can simply pay by tapping their phones directly onto the terminal. Through partnerships with LINE Pay in Taiwan, Maya in the Philippines, OpenRice in Hong Kong, and Woori Card in South Korea, Visa is expanding access to its global network, giving consumers more ways to pay globally. 

digital payments
Photo by The Beat Asia

On the merchant side, Visa is extending a hand to microentrepreneurs and informal sellers such as street vendors and freelancers through Visa Accept, a new solution that allows them to receive payments directly to their eligible Visa debit card using any NFC-enabled smartphone. With this service, sellers will only need to activate the feature on their bank or wallet app, enter the amount, and let their customers tap their card on their phones. This exciting service is poised to launch in Vietnam, and hopefully in the Philippines as well, considering there are about a million micro merchants in the country, according to the Department of Trade and Industry (DTI), that could benefit from it.

“We are excited to work with local banks, acquirers, merchants, and the government in bringing these innovations to the Philippine market. Working with the right partners will help us translate these global innovations into real, tangible impact for local stakeholders — helping us all advance into the future of payments,” said Jeffrey. 

Introducing Visa Intelligent Commerce

Poojyata Khattar, Head of Product for Regional Southeast Asia at Visa, led us through an exciting talk about what the future could look like in a new era of agentic commerce, where AI agents will be able to browse, purchase, and manage transactions on behalf of users. It’s like having a personal assistant, but better. 

Over the past decade, Visa has invested more than US$3 billion in AI and data infrastructure, enabling regional partners — including AI platforms, fintechs, banks, and merchants — to connect effortlessly to the Visa network. 

Visa Intelligent Commerce brings a suite of integrated APIs and a commercial partner program to AI platforms that enables developers to deploy Visa’s AI commerce capabilities securely and at scale. They announced that they’re exploring this innovation with Ant International, Grab, and Tencent to provide consumers with a secure and seamless checkout experience. 

Poojyata gave a brief but packed demonstration of how AI commerce can ultimately manage one’s travel plans, helping you book your flights, hotels, and even activities for your trip. The AI agent will be able to do the work for you to find the best deals — and by best, we don’t just mean on the financial aspect, but also the personal side, as it can be set to match your preferences. 

“Imagine the possibilities that AI brings to everyday life for Filipino digital consumers — from automatically ordering your favorite meals on Grab before you even think of it, to alerting you about the next big K-Pop concert and arranging all your travel plans,” she said. “With Visa’s trusted payment infrastructure and advanced AI capabilities, these seamless, secure, and enjoyable experiences are now within reach for everyone in the country.”

Although there are no specific timelines as to when we’ll be able to utilize these products in the country, we can’t wait to see how it all pans out. It’s safe to say that the future is gearing towards a more digitized world, one that prioritizes convenience and broader connectivity, giving way to seamless and secure transactions. 

For updates, follow Visa on Facebook, X (Formerly Twitter), and Instagram.

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Manila/ Fashionista/ Beauty
Is the Dyson Airwrap ID Worth It? A Review of The Cult Favorite Beauty Tool

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Snapinst app 463725133 414162848193068 8592831713814760558 n 1080 Photo by Dyson Colombia (Instagram)

Nothing completes a look quite like good hair does. Do you have that one coworker who always looks put together no matter the time of day or how few hours of sleep they got the previous night?

As a writer, I’ve been privileged enough to have attended some pretty fabulous events, from exclusive restaurant tastings to fashion shows and product launches. Beyond the glitz and glamor of lifestyle journalism, unfortunately, I don’t always feel that way. Despite all my attempts at picking beautiful outfits and doing my makeup, I still somehow feel frumpy standing next to gorgeous models and influencers who have definitely won the genetic lottery.  

So, what have I realized from all this? Well, it’s that hair really does make a difference. I can walk into a room wearing the most beautiful ensemble, with perfect blush and bronzer plastered on my face, but if my hair is stacked up in a bun – which it usually is – then chances are, I won’t look as incredible as I’d hoped. 

Enter: my hairstyling era. I’ve never been one to focus on hair, because as I’d wrongfully thought, it didn’t matter. But it’s true what they say: having beautiful, perfect waves, or a voluminous blowout can complete a look, adding that much more value to one’s carefully thought-out OOTD. So, if you're looking to upgrade your hair life, this is the review for you. 

A Personalized Experience

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Of course, when one thinks of perfect hair, their train of thought automatically (or at least eventually) leads to Dyson. Specifically, the Dyson Airwrap, which is something of a holy grail to beauty enthusiasts. This remarkable tool has jokingly been dubbed as the girl version of a PS5 and is a cult favorite at this point. 

The Airwrap’s biggest selling point is that it uses the Coanda effect, a physics phenomenon that shows how a gas passing over a specific surface (particularly a curved or convex surface) will adhere to that shape. Using this principle, engineers at Dyson have figured out a way to style hair without clamping or extreme heat, introducing a tool that helps customers steer clear of heat damage. 

While the Dyson Airwrap first made waves in 2018, the company has constantly been updating their invention, releasing its latest iteration – the Airwrap ID – in 2024. 

The Airwrap ID is straightforward and easy to use: there are four “buttons” on it, each of which can be toggled up or down. There is one for heat (users can adjust air temperature to cold, hot, and maximum heat), another for airflow (light, medium, strong), one to unlock and remove the attachments, and one to power the device on and off. 

The Dyson Airwrap attachments
The Dyson Airwrap attachments | Instagram | Tonaor.por

The Airwrap ID also comes with six attachments, each of which has a specific purpose. 

There is the fast dryer attachment for drying hair, the large volumizing brush for volume, the soft smoothing brush for shine and straightening, the flyaway smoother to tame hair strands, a 40mm barrel attachment for loose, bouncy curls, and a conical barrel for tighter, more defined curls. Unlike previous Airwrap models, the Airwrap ID barrels can now switch between left and right curling directions with the switch of a button found at the top. (Previous models saw users having to remove and reattach barrels to change the direction of the curl.)

With a focus on personalization, the Airwrap ID also allows users to connect the tool to an app on their phone; this allows them access to a library of styling tutorials as well as a “personalized curling sequence” that allows one to curl one’s hair with a click of a button.

 For this, users simply have to download the MyDyson app and register their Airwrap ID onto it (scan the serial number or input it manually). They can then switch on their Airwrap ID and it will automatically connect to the app via Bluetooth. It will take the user to a questionnaire about their hair profile; once answered the app will generate a personalized styling sequence to optimize the time spent wrapping, styling, and cold shot (to set the curl). 

So instead of having to switch between temperatures and air flow strength, all one needs to do to curl their hair is toggle the power on button upwards to “ID Curl” and the machine automatically does the work. Just hold the Airwrap ID in place and relax. Of course, specific timing can be adjusted to your preference. 

My Favorite Parts

The Dyson Airwrap ID with the large round volumizing brush
The Dyson Airwrap ID with the large round volumizing brush | Instagram | Dyson Beauty

Those approaching hairstyling as a complete newbie – with zero experience at all – will find the MyDyson app is something of a godsend. Aside from the personalized curling experience, the MyDyson app also contains a library of tutorials lasting between 1 to 4 minutes on how to achieve specific hairstyles. There are styles for short, medium, and long hair, ranging from Retro Waves to a Slick Back look, and even a K-pop hairstyle for short hair styling. 

It's also helpful that plenty of people love the Airwrap ID. Content creators have already made helpful videos and discovered their own hacks for creating long-lasting styles. 

The Airwrap ID creates beautiful curls
The Airwrap ID creates beautiful curls | Instagram | Sammi Wong

If you've ever been burned by a hair tool, then you can understand the fear of that happening again. Needless to say, the Airwrap ID takes away all fear of a repeat burn! 

Although the Airwrap ID does heat up to a degree, it does so at a tolerable temperature. In fact, you can bring the device close to your face or to the roots of your hair, and the heat will still feel manageable.

Ultimately, people also love the Airwrap ID for its versatility. Because it comes with so many attachments, styling hair feels less bulky and a lot more streamlined. All you have to do is attach a head to the Airwrap ID body and you can instantly, dry, straighten, or curl your hair. The fact that it even comes with a flyaway smoother shows just how much thought Dyson put into creating a comprehensive hairstyling experience. You’re definitely getting more than one hair tool with the Airwrap ID.  

The Difficulties

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Don’t get me wrong though: purchasing a Dyson won’t automatically make you a pro at hairstyling. As it is with anything else, practice makes perfect and even the best tools will fail if you don’t have the skills to use them.

The only other drawback of the Airwrap ID I have observed is that in order to get really beautiful, defined curls on the barrel attachments, you have to take small sections of hair at a time. Taking a big chunk won’t work; the hair simply will not wrap around the barrel. So it’s fairly time-consuming to have to section your hair and do them one at a time, though the payoff is beautiful. 

Is it Worth It?

The Dyson Airwrap dryer and flyaway smoother
The Dyson Airwrap dryer and flyaway smoother | Instagram | Beautyst

It all comes down to: is it worth it? Is the Dyson Airwrap ID a good investment? 

Personally, I would say it depends. If you’re someone who’s new to hair or doesn’t take styling too seriously, then getting an Airwrap ID right away might not be your best investment at the moment. 

However, if you are constantly out or under the spotlight, or simply someone who loves to do hair or learn about styling, then the Airwrap ID is definitely your best friend. The tool is versatile, chic, and easy to use. It’s less damaging than a lot of other styling products on the market and its wide array of tutorials and attachments will open you up to plenty of stylish looks. 

Shop the Dyson Airwrap ID here

This is a truthful product review and the opinions expressed within represent the views of the author.   

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Manila/ Digital/ Updates
Get Some 'Gifts and Giggles' This Christmas Season with Power Mac Center

In partnership with:

20241216 Power Mac Photo by Power Mac Center

The holiday season is always the best way to send good vibes and cheer, and Power Mac Center has just the thing to make it even better.

Enjoy big discounts on Apple devices and accessories and get some limited-edition mystery bags chock-full of premium items at the Power Mac Center!

“Gifts of tech are always a hit during the holiday season, so we make it a point to add a little something for the giver — be it a discount or bundled items. With the holiday theme ‘Gifts and Giggles,’ we showcase how generosity and thoughtfulness are always received with joy,” said Joey Alvarez, PMC Director for Marketing and Product Management.

Here’s a rundown on what Power Mac Center is offering for this holiday season:

Score exclusive discounts with your credit cards

Get huge discounts on your purchases and on flexible payment terms! From Dec. 13 to 31, 2024, BPI, Metrobank, and UnionBank credit cardholders can get up to P6,000 off on select Apple devices and accessory bundles when paid through 24-month installments.

BPI, Metrobank, and UnionBank credit cardholders also get an instant discount equivalent to one (1) month of the participating device’s amortization when paid through 24-month installments.

This offer is available at Power Mac Center and The Loop stores nationwide.

Blind unbox a ‘Bag of Wonders’

Ever wanted to have that “Bag of Wonders” from your childhood? Well, this one’s the adult version.

Power Mac Center offers a mystery bag called the “Bag of Wonders,” containing a curated assortment of premium accessories for just P1,500. This offer is exclusively available at the Greenbelt 3, Power Plant Mall, SM Mall of Asia, SM Megamall, SM North EDSA – Annex, Robinsons Magnolia, and TriNoma branches until supplies last! Keep in mind that only one "Bag of Wonders" can be availed per customer.

Shop for others, get rewarded yourself

Customers are qualified to earn entries to the “Miles and Milestones: The 30th Anniversary Raffle!” Get a chance to win a brand-new BYD ATTO 3 Dynamic Electric Vehicle, business class trips to Osaka or San Francisco via Philippine Airlines Mabuhay Miles, the latest Apple devices, and more!

Interested in joining? Simply sign up for membership to 1 Infinite, PMC’s lifestyle rewards program for Apple enthusiasts, in-store or online. Then, make a single-receipt purchase of at least P30,000 by Dec. 31, 2024.

For more holiday surprises and offers, don’t forget to tune in to Power Mac Center’s official Facebook, Instagram, X (Formerly Twitter), and TikTok accounts, as well as The Loop PH Facebook and The Loop PH Instagram.

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Manila/ Digital/ Apps
Need a Ride? Angkas Now Has Four-Wheel Service 'Angcars'

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Ride hailing App Angkas Now Has Four Wheel Service Angcars Photo by Website/Angkas

Having commuting blues? Don’t prefer riding motorcycles? Fret not, because motorcycle taxi and delivery service Angkas has launched its new four-wheel service, Angcars.

Now in its beta phase, Angcars offers passengers an option to book a car ride. Currently, the feature is only available in selected areas, including Makati City, Bonifacio Global City, Mandaluyong City, and Pasig City.

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Booking Angcars is easy. There’s no need to install another app, too!

To book, all you need to do is open the Angkas app, pin a location within the said areas, and click on the “service type” tab. In this tab, you should be able to see three options: Passenger, which will let you book a motorcycle; Padala, their package delivery service; and finally, Angcars, where you can book a car.

As of this writing, only four-seater cars are available via Angcars. However, the company is eyeing to launch rides with six-seater vehicles as well, which will be called “Angcars Plus,” Angkas Founder Angeline Tham told reporters during the Management Association of the Philippines 22nd International CEO Conference last Sept. 10.

For those who are outside the Metro, worry not, because Angcars will also be rolled out in more areas soon!

Try out the new Angcars via Angkas, available for download on Google Play, App Store, and AppGallery. For updates, follow Angkas on Facebook.

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Manila/ Venture/ Money
SPayLater vs. LazPayLater: Which BNPL Suits Your Shopping Needs Best?

In partnership with:

S Pay Later vs Laz Pay Later Which BNPL Suits You Best Photo by CIMB Bank

The pandemic triggered a frenzy for online shopping, especially during the lockdown days. But even with the non-existent lockdown restrictions today, it seems that online shopping is not showing any signs of slowing down. Even though we can buy just about anything in physical stores, nothing beats the convenience the Internet gives us when it comes to shopping.

Leading the pack among e-commerce platforms in the Philippines are Shopee and Lazada. And if having our parcels delivered directly to our doorsteps wasn’t convenient enough, these two apps provide even more convenience by lightening the burden on our wallets through their buy-now-pay-later (BNPL) features.

Although they have similar policies, Shopee’s SPayLater and Lazada’s LazPayLater differ in many ways. If you’re stuck with choosing which BNPL offer suits your online shopping needs the best, below is a guide to help you compare the two and choose.

Application and Requirements

Both SPayLater and LazPayLater are available for Shopee and Lazada users aged 21 to 45 years old. Applying for them is fairly easy. You only need a one-time PIN (OTP) from your registered mobile number, a clear photo of a valid government ID, a selfie for face verification, and a filled-out form with the necessary details. Just make sure the ID you’ll be submitting has a date of birth for faster approval.

Online shopping

Approvals for both SPayLater and LazPayLater both take a few seconds to up to 24 hours. However, while there is very little chance, your application may be rejected if you provided inaccurate information, did not meet the requirements, or have a bad credit history, among other reasons.

Verdict: Tie, both have around the same requirements and turnaround time for approvals

Credit Limit, Interest Rates, and Processing Fees

Those who are just starting a LazPayLater account can get a credit limit of up to P15,000. This is calculated based on the personal information you input and Lazada’s comprehensive evaluation of your profile. This limit increases the more you use and repay your LazPaylater bills.

SPayLater’s credit limit, on the other hand, ranges from P1,500 to P50,000, calculated depending on your spending behavior and payment history. This will also go up as you use the funds and repay them. Shopee also grants temporary credit limit increases, which you will be notified of as long as you turn on accepting notifications from the app.

In terms of interest rate, SPayLater gives from 1% to 5% of the total checkout amount, plus a processing fee of 0% to 2%, which is calculated depending on the selected installment plan.

Meanwhile, LazPayLater’s interest fees, according to CIMB Bank, also range from 1% to 5%, depending on the total checkout amount and installment plan. The main difference is that no processing fee is needed for LazPayLater payments.

Lazada's LazPayLater Interest Fee Calculation Formula
Photo by Website/Lazada

If you’re lucky, you may be able to spot products that are under these apps’ 0% interest programs, too!

Verdict: Tie — while SPay Later may offer a much higher initial credit limit, LazPayLater has no processing fee.

Installment Plans and Due Dates

For both SPayLater and LazPayLater, you can choose installment plans from one to 12 months. The longer the plan you choose, the higher the interest fee.

These two BNPL options differ in due dates and statement cycles. For Lazada, the billing begins every first day of the month, ends on the 30th or 31st day, and runs from the moment you checkout an item via LazPayLater. Monthly statements are given on the first day of the next month, with a due date on the 16th day following the statement.

SPayLater is more flexible with due dates on every fifth or 15th day of the month. Only when your parcel arrives and you click the “Receive” button will the bill for the item you purchased be added to your payment due.

Shopee SPayLater Loan Summary Table for Billing Cycles
Photo by Website/Shopee

The due date for SPayLater orders completed from the current month’s fifth day to the succeeding month’s fourth day will be on the latter’s 15th day. Meanwhile, the due date for orders completed from the current month’s 25th day to the succeeding month’s 24th day will be on the fifth day after the billing cycle.

Verdict: SPayLater

Late Payment Fees

It is always recommended for Lazada and Shopee users to pay their BNPL bills on the required due date. But in case you fail to pay on time, SPayLater will add a 2.5% to 5% late payment fee to your bill.

On the other hand, LazPayLater has more tolerance for late payments with a two-day grace period. Failure to pay during the grace period will result in an overdue fee, which is calculated depending on your payment terms and loan amount.

Verdict: LazPayLater

Online Shopping

Depending on what you need or what you’re more comfortable using, LazPayLater and SPayLater both have their pros and cons. Just a friendly reminder, though: never let your SPayLater and LazPayLater perks ruin your financial priorities. Remember, using these BNPL features still means you’re incurring debt, so shop wisely!

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Manila/ Nomads/ Explore
US Ride-Hailing Company inDrive Is Coming Back to the PH

In partnership with:

In Drive PH Photo by Facebook/inDrive Philippines

We’ve all been there: opting for commuting or riding motorcycle taxis instead because other options break the bank. Good thing, one more option is coming to save us and our pockets (hopefully)!

The US-based company inDrive has just recently received clearance from the Land Transportation Franchising and Regulatory Board (LTFRB) – which may mean lower ride fares soon.

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The transportation company is attracting more drivers to join their platform by initially charging them zero commission. According to their Facebook post, their services will be available in Metro Manila, Bacolod, Baguio, Butuan, Ilo-Ilo, and Cagayan de Oro.

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In the same post, they also gave us a quick overview of what to expect when booking with them: safe rides and a sleek app! Apart from that, they also claim to give everyone a joyful ride and the true “sarap ng byahe” experience. Right now, they only have the four-seater option. But, don’t worry, six-seater taxis will be available soon!

Follow their Facebook for more updates.

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Manila/ Venture/ Profiles
Elevator Pitch: Sansan's Jay Pegarido on the Future of Tech in the PH

In partnership with:

Sansans Jay Pegarido on the Future of Tech in the Philippines Photo by Jay Pegarido

In recent years, the Philippines has witnessed a remarkable transformation, becoming fertile ground for innovation and technological advancement. With a dynamic startup ecosystem, strategic government policies, and a young, digitally adept workforce, the Philippines is positioning itself as a key tech hub in Asia.

However, this rapid growth does not come without challenges. While the tech industry in the Philippines has numerous untapped potentials, it still faces many challenges, such as infrastructure limitations, regulatory challenges, and the lack of enhanced education and training programs for tech practitioners, among others.

Ushering in a new era of tech in the Philippines with its intelligent business solutions, one of Japan’s leading software-as-a-service (SaaS) companies, Sansan, Inc., has set up a new hub in Cebu City in late 2023, Sansan Global Development Center Inc. (SGDC). Since then, the company has been delivering these solutions to their global clients, while developing the skills of local talents in the Philippines.

In an exclusive interview, The Beat Asia talked to Jay Pegarido, Director and Country Manager at SGDC, to find out what the future holds for the Philippines’ tech space and how the company is helping elevate this burgeoning industry.

Hi Jay! Can you give us a brief background on Sansan Global Development Center, Inc.? What does the business entail?

Sansan Global Development Center, Inc. was established in Cebu, Philippines in 2023 to strengthen Sansan, Inc.’s global product development.

Sansan is a leading Japanese SaaS company, specializing in cloud-based solutions aimed at digital transformation (DX) of analog processes such as managing business contacts, invoicing, and managing contracts. SGDC focuses primarily on developing and enhancing Sansan’s products and mainly on the Bill One invoice management solution, tailoring it for markets outside of Japan.

Sansan Global Development Center Grand Opening in Cebu City
Photo from Facebook/Sansan Global Development Center, Inc.

By leveraging local talent and collaborating closely with our counterparts in Japan, we ensure our solutions meet the diverse needs of global clients. We’re also increasingly putting the development and ownership processes in the hands of the expanding Filipino development team.

As Sansan PH's Director and Country Manager, what are your major responsibilities in the company?

As the Director and Country Manager of SGDC, my primary responsibilities include overseeing the operations and strategic direction of our Cebu office at a time in which we’re undergoing rapid expansion. This entails managing product development, ensuring the quality and efficiency of our solutions, and fostering a collaborative work environment.

I also focus on expanding our team by hiring top local talent and providing them with the necessary training and support to contribute effectively to our global projects. This goes beyond recruiting people with skills and extends to finding personalities who will proactively assert themselves and take on the company’s mission and values as their own.

Metro Manila has been a vibrant hub for business and tech development. Why did Sansan choose to establish its PH global development center in Cebu instead?

Cebu was chosen because of its strong educational infrastructure and large pool of talented IT graduates, with the city offering a conducive environment for business operations while being less congested than Metro Manila. Additionally, Cebu has a vibrant tech ecosystem, making it an ideal location for our development center.

Sansan Global Development Center Student Engagement Program
Photo from Facebook/Sansan Global Development Center, Inc.

This strategic decision allows us to tap into the local talent pool while benefiting from a more relaxed yet professional environment conducive to innovation and productivity. Here in Cebu, we’re really able to build a family-like atmosphere as we build our technological capacities.

Over the past few years, I’ve seen Cebu rapidly becoming a top choice for startup and tech companies entering the Philippines from abroad. It provides a cost-effective lifestyle, less traffic, and a more leisurely pace compared to the hectic atmosphere of Manila.

Despite its relaxed ambiance, Cebu offers a wide range of opportunities in the tech industry, making it a perfect destination for expanding businesses and professionals alike.

Since Sansan's arrival in the Philippines, what significant milestones has the company made in the tech industry?

Since establishing SGDC in Cebu, we have considerably expanded our team and taken on creative challenges, product development, and ownership. And we’re really just starting to pick up speed. We reached our target of hiring 50 software developers, and we’re aiming to scale up to 100 and beyond.

Sansan Global Development Center Cebu Business Trip to Japan
Photo from Facebook/Sansan Global Development Center, Inc.

Our team has been pivotal in developing and customizing Bill One for Sansan’s overseas markets, as well as its mainstay Japanese product, ensuring high standards of product quality and innovation. This growth not only reflects our commitment to contributing to the Philippines' tech industry and fostering local talent, [but] it [also] demonstrates our ability to create a welcoming and challenging environment for all our members.

What technological needs of the Philippines does Sansan aim to address?

Sansan aims to address the need for fast, accurate, and secure digitization of business documents, which is crucial for many companies in the Philippines still reliant on paper-based processes. And, beyond that, we’re pursuing ways to activate the digitized data for greater business outcomes. For now, though, we are only a developer hub and are not selling our solutions in the Philippine market, as in Japan, Singapore, and elsewhere.

Bill One helps businesses transition to paperless accounting workflows, enhancing productivity and accuracy in invoice management. This analog-to-digital character is present in all of Sansan’s solutions, which rely on proprietary technology that reshapes how people work.

Sansan’s advanced contact management solutions, which are the product of well over a decade of development, aim to expand sales opportunities and operational efficiency across various sectors and borders.

Japan, Sansan's home country, is known for its high level of technological advances. With your experience working in both countries, what are the major differences that you can pinpoint between Japan's tech space and that of the Philippines?

Japan's tech space is characterized by advanced technological infrastructure and a strong emphasis on precision, innovation, and continual refinement.

In contrast, the Philippines, while rapidly developing, often faces challenges related to infrastructure and the transition from traditional to digital processes. In my time in Japan, it was also very clear to me that Japan grapples with that same transition; it’s just in a position to deal with it more rapidly owing to the more developed economy.

Sansan Innovation Project (SIP) 2019 in Tokyo, Japan
Photo by Facebook/Sansan Global Development Center, Inc.

Comparative to Japan, the Philippines boasts a younger workforce, which brings a dynamic and adaptable [energy] that may be more eager to embrace new technologies.

The key difference lies in the stage of technological adoption and the maturity of the tech ecosystem, with Japan being more advanced but the Philippines showing significant growth potential and enthusiasm for tech innovation.

Spearheading hundreds of developers, what potential are you seeing in the Philippines' pool of tech talents? How is the company working to develop these talents?

The Philippines has a vast and promising pool of tech talents with strong foundational skills in various programming languages and a keen interest in emerging technologies.

At Sansan, we are committed to nurturing this talent through continuous training, mentorship, and exposure to real-world projects. We provide a supportive environment where developers can take ownership of their ideas and contribute to global product development, ensuring they grow both professionally and personally. We also provide a home, of sorts, thanks to Sansan’s progressive attitude toward innovation and personnel development.

We heard that you're working on a new initiative to contribute to the environment, called "Scan for Trees." Can you tell us more about it?

The "Scan for Trees" initiative is part of Sansan’s corporate social responsibility (CSR) efforts aimed at promoting environmental sustainability, whereby trees are planted in direct proportion to the amount of paper documents, such as business cards or invoices, that are digitized using our solutions.

This initiative not only helps in reducing paper usage but also contributes to reforestation efforts, supporting ecological balance and environmental conservation. We plan to expand this initiative to the Philippines, further embedding our commitment to environmental stewardship in our business operations.

Sansan, Inc.'s Scan for Trees Initiative Project Poster
Photo from Facebook/Sansan Global Development Center, Inc.

How do you see the future of tech in the Philippines?

The future of tech in the Philippines is highly promising, driven by a young, skilled workforce and increasing investments in tech education and infrastructure. The country is becoming a significant player in the global tech landscape, with growing opportunities in areas such as AI, cloud computing, and digital transformation.

As the industry evolves, we expect the Philippines to continue attracting international tech firms and fostering a vibrant, innovative tech ecosystem. At Sansan, we’ve put ourselves in a strong position to be a very attractive, competitive, and rewarding workplace that capitalizes on this movement.

Any more groundbreaking projects or initiatives we should watch out for from Sansan?

Sansan is continually innovating to meet the evolving needs of our clients. Besides enhancing our existing solutions, like Bill One and our contact management systems, we are exploring new areas, such as deeper generative AI integration, to provide more robust and intelligent business solutions.

We are also focused on expanding our environmental initiatives and looking for ways to leverage technology to make a positive social impact.

Stay tuned for more exciting developments from Sansan as we continue to drive innovation in the tech industry.

This interview has been edited for length and clarity. To know more about Sansan Global Development Center, Inc., visit its website, Facebook, or LinkedIn pages.

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