A number of Filipinos across our archipelago remain unserved; if not, underserved by the banking industry.

According to the Bangko Sentral ng Pilipinas, 181 of our cities and municipalities do not have banks; instead, they have microfinance NGOs, pawnshops, e-money agents, and cash agents offering financial services. In other  places, people rely on their locally-present rural banks.

This episode, we speak with UBX, a financial technology company that wants to improve access to banking services across the archipelago, tapping into the networks of rural banks and other financial services providers, and offering itself to them as a banking-as-a-service platform.