PH, nakatakdang matamo ang digital payments target

SINABI ng Bangko Sentral ng Pilipinas na “on track”  ang digitalization efforts sa Philippine payments system para makamit ang target na i-convert ang kalahati ng kabuuang retail payment sa  digital form para ngayong taon ng 2023.

Sinabi ng BSP sa report nito na may pamagat na 2022 Status of Digital Payments noong nakaraang taon,  “digital platforms accounted for an overall sare of 42% of the number of all transactions that year, rising from 30% in the previous year.”

Pagdating sa value, kinakatawan ng digital payments ang 40% ng lahat ng transaksyon, bumaba mula sa 44% noong 2021.

Sa nasabing report,  naayos ng BSP ang kabuuang transaksyon na $195 billion kung saan $78.17 billion ang nagawa digitally.

“The latest results show that we are steering in the right direction as we move closer to our goal of converting at least half of total retail payments volume into digital form by the end of 2023 under the  BSP Digital Payments Transformation Roadmap,” ayon kay outgoing BSP Governor Felipe Medalla sa isang kalatas.

Sinabi ni Medalla, Ipinakita lamang ng bilang o pigura ang deliberate reforms at initiatives na ang BSP at ang nagawa ng gobyerno ay tumutugon sa “shifting need’ ng publiko tungo sa mas epektibong payments services.

“Since the pandemic, which broadened digital payments adoption and acceptance, the upward trajectory of digital payment usage has been sustained,” anito sabay sabing ” We need to carry on to maintain this trend, focusing on the overall value-adding experience of using digital payments.”

“As the party doing the payment, the government was the “most cash-lite” as it made 96% of all its payments digitally,” ayon sa ulat.

Ang dalawang iba pang uri ng payors, individual (55%) at business (10%).

In terms of value, 63% o $47.6 billion of payments ng indibiduwal ay ginawa  sa pamamagitan ng digital channels.

“Business paid digitally  at $19.78 billion o 18% ng kabuuang transaction value habang ang gobyerno ay mayroong $10.75 billion o 98% ng kabuuan.

“Merchant payments, person-to-person (P2P) transfers, and salaries and wage payments were the top contributors to the increasing adoption of digital payments,” aniya pa rin. (Daris Jose)