MANILA – The migration of the country’s retail payment transactions into digital or e-payments will likely exceed the Bangko Sentral ng Pilipinas’ (BSP) target of digitizing 50 percent of all transactions by the end of 2023.
“Our digitalization efforts are on track,” said BSP Governor Eli M. Remolona. The target is 50 percent by December.
This is doable as far as BSP and Remolona are concerned because “the payments that we use, in shops and in stores, are increasingly digital,” said the BSP chief.
As of end-2022, about 42.1 percent of payment transactions have shifted to e-payments. This was higher compared to 30.3 percent in 2021.
Under the BSP’s Digital Payments Transformation Roadmap, about 50 percent of payments in terms of volume should be digitalized by 2023.
When the BSP started this, only one percent of transactions was in digital form in 2013. By 2018, the volume increased to 10 percent and then to 14 percent in 2019.
By the time the pandemic hit the globe and majority of Filipinos in lockdown had no choice but go digital, e-payments further increased to 20.1 percent of all transactions in 2020 and then 30.3 percent in 2021.
The BSP itself has assisted in the fast migration of non-digital to digital because the central bank has become highly digitalized since the start of the the pandemic. They began pre-pandemic but rapidly progressed during the Covid crisis years.
“The Philippines may have faced several challenges amid the pandemic, but the BSP carried on—continually innovating and digitalizing its processes to better serve the people. Beyond the crisis, the central bank shall remain agile and responsive to fast-paced and evolving technology, geared toward a resilient and progressive society,” it said in a report.
As of end-2022, the share in terms of value of digital payments over total retail payments was at 40.1 percent worth $78 billion.
Based on the BSP’s latest e-payments data, the 42.1 percent represents the share of monthly digital payments to total monthly retail payments volume in the country. Last year, volume increased by 611.7 million retail payments.
The share of digital transactions in total payments has been growing steadily with both InstaPay and PESONet. Also, more people are using the QR Ph code for payments while all payment service providers still using non-QR PH codes will shift to QR Ph this month.
The BSP was able to migrate more transactions into digital form because of merchant payments, peer-to-peer (P2P) remittances, and business payments of salaries and wages to employees. All of these payment streams are high-frequency and low value retail transactions.
Meanwhile, P2P transfers rose by 91.2 percent last year to 299.7 million transactions from 156.7 million in 2021. Salaries and wage payments also increased by 41.1 percent to 45.1 million from 32 million transactions in 2021.
Last year, to further increase the use of e-payments, the BSP launched the QR Ph person-to-merchant (P2M) payment facility which was cost-effective since it does not require expensive point of sale or data capture terminals.
Basically, the QR Ph P2M is an interoperable digital payments between customers and merchants even if they maintain accounts with different financial service providers. It may also be used for bills payment in the future.
The BSP also launched Bills Pay Ph in 2022, one of three crucial payment streams to shift 50 percent of all payments into e-payments. The other two — Request-to-Pay and Direct Debit – are yet to be implemented.
Bills Pay Ph enables digital transactions between accounts from different payment service providers by scanning or uploading the QR Ph person-to-biller (P2B) code, or by manually inputting payment details for the non-QR mode of payment.
The BSP said it has a better service delivery because of digitalization.
For one, the pandemic accelerated the use of cloud technology for businesses, services, and operations.
“Through digitalization, the BSP aims to streamline its processes, improve its operations, and, ultimately, increase productivity. The central bank constantly explores systems and applications that complement its various projects, programs, and advocacies,” said BSP. (MB)
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