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Tagcash aims at providing a solution for micropayments in Southeast Asia, starting with the Philippines.

The platform is part of a wider ecosystem that combines social media and payment functionalities, allowing users to share “moments” and purchase goods and services.

The future seems bright given the country’s fast growing economy, and yet 69% of the Philippines’ adult population remains unbanked, according to the World Bank.

Malik Khan Kotadia, Global Banking Group senior vice president, believes that fintech companies will play an important role in the financial services industry notably by complementing the products and services offered by banks and increase financial inclusion.“Things have changed around us … We see banks moving, but moving slow,” Kotadia said.

Ayannah operates Sendah, a B2C gift remittance service targeting migrants; Sendah Direct, a software-as-a-service platform that partners with brick-and-mortar retailers to offer mobile top-ups, online game credits, and domestic remittance; and Sendah Remit, a software-as-a-service allowing interoperable international and domestic remittance transactions across different networks.

Headquartered in Hong Kong, Lenddo has developed an algorithm that pulls and analyzes social media data to determine credit worthiness.

Eminent international public health and tobacco control experts encourage use of e-cigarettes as a far less harmful alternative for smokers who either find it difficult to quit or who enjoy their nicotine.Mynt, which hasn’t been launched yet, is expected to provide financial services to the unbanked and underserved.The company aims at increasing financial inclusion.“With the growth in mobile penetration, Fin Tech becomes an enabler [for the banks] to help expand and attract other markets, tapping into other segments that banks would otherwise have difficulty [going after].”But who exactly are these “enablers” and new challengers?

Today, we take a look at the Philippines’ top 12 fintech startups to keep an eye on.Beam And Go, a service of Singaporean Beam And Go Pte.

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