Making financial services universally accessible, If China has UnionPay, India has RuPay, then Philippines has PearlPay!
Where we're at?

Concept and business plan team may be incomplete.

Idea is formed project ready to launch.

Have paying customers adapting to market.

Growing company and users!

In the Philippines, there are a total of 577 banks, 450 are rural banks with 8.7 million existing depositors, and about 60 million users opportunity for growth. But only 6% of rural banks have access to the electronic payment system. Why's 94% don't have access? Because the average cost to have one is US$ 4 million, only big banks can afford it. That is why we created PearlPay. The sachet of E2E (end-to-end) digital banking platform, making it affordable, where no rural banks will be left behind.

1. Business Model Innovation - Unlike other well-established technology providers where it generates its core revenues from software license, set up fee, maintenance fee, and subscription fee, PearlPay's core revenue streams are its payment and remittance network transaction-based fee (25 bps). Consequently, our pricing for our end-to-end digital banking platform starts at US$ 99/month which is enough to cover the maintenance cost of the platform and get 44% market share of the rural banks' industry in the Philippines.
2. Distribution - Good product with great distribution will almost always beat a great product with poor distribution. We are leveraging on the existing infra of the rural banks (i.e., trust, 3k branches, 8.7 M depositors)
PearlPay E2E digital banking platform
1. PearlPay CBS (Core Banking Solution)
2. PearlPay ABS (Agent Banking Solution)
3. PearlPay eWallet white-label solution
4. PearlPay REMIT

  • Onepager
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    Sparky Perreras
    Sparky Perreras is a seasoned IT Executive and worked with the number 1 bank in the Philippines where he managed the first dual interface EMV card ... Read More
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    Precious Silva
    Precious has more than 10 years of experience in research, marketing, and strategy. She has overseen teams across USA, EMEA and APAC regions. She h... Read More
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    Jerwin Operio
    He is widely known for his extensive network of business where he also acted as a business mentor to his colleagues. He has led Sales Teams across... Read More
  • Screen shot 2019 08 20 at 5.59.56 pm
    Pio Ryan Lumongsod
    Pio is a software architect with more than 10 years of experience in software engineering with focus on scrum, test driven development, and scal... Read More
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    Napoleon Catilo
    Nap has twenty years of experience designing and delivering enterprise level software solutions. He provided various solutions for companies ... Read More
  • Dr Adrian Ng
    He is currently the Chairman of the Philippine - Brazil business council. Dr. Adrian started as a co-founder of CookMeUp app - a company that st... Read More