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shadcool123

1 week na lang bago matapos ang June! For sure, naghahabol na ang banks na palitan ang SMS OTPs to comply with BSP’s new authentication requirements.

Instead of SMS OTPs, expect more banks to shift to more secure options:

• In-App OTPs / Push Notifications – Verification codes or approval prompts will appear directly inside your banking app instead of SMS. Example: GCash will start sending OTPs in-app starting today, June 22.

• Biometrics – Using your fingerprint or face recognition to confirm na ikaw talaga ang nag-aaccess ng account.

• Behavioral Biometrics – Detects your usual habits like typing patterns or device behavior to help spot suspicious activity.

• Silent Authentication – Verifies your mobile number in the background through your network without manually entering an OTP.

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3 days ago | [YT] | 2

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shadcool123

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6 days ago (edited) | [YT] | 3

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shadcool123

💰 TOP 5 LOAN APPS WITH THE LOWEST INTEREST RATES IN THE PHILIPPINES (2026)

Looking for a loan app with lower interest rates? Check out these popular options before you borrow!

🥇 GLoan (GCash) – 1.59%/month
🥈 Tonik – 1.70%/month
🥉 PSBank Flexi – 1.75%/month
🏅 Cashalo – 0.2%/day
🏅 Tala – 5%–15%/loan

✅ Fast approval
✅ Convenient application
✅ No collateral required (depending on the lender)

⚠️ Important: Interest rates may vary depending on your credit profile, loan amount, and promo offers. Always read the terms and conditions before applying.

Which loan app have you tried? Share your experience in the comments! 👇

#LoanAppsPH #PersonalLoanPH #GLoan #Tonik #Cashalo #Tala #PSBank #Philippines #MoneyTips #FinancialTips