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The pandemic has resulted in new consumer behaviors emerging in the Philippines, where more Filipinos are starting to go on digital commerce platforms and make cashless payments.  According to Visa’s latest Consumer Payment Attitudes study, 52% of Filipinos shopped online through apps and websites for the first time during the pandemic and 43% of them made their first online purchase using social media channels.

Online shopping activity has also increased in the past one year based on the research findings. Close to nine in 10 Filipinos have increased their online shopping activities on websites or apps, whilst seven in 10 are shopping more on social media channels. More than half of the consumers are also more inclined to shop from large online marketplaces (53%) and home-based businesses (61%). These new shopping preferences might turn into habits that last beyond the pandemic.   

The study also showed a large user base who started ordering home delivery, likely due to lockdowns or movement restriction order in the country during the pandemic. More than nine in 10 Filipinos used home delivery in the Philippines and 67 per cent of them increased their use of home delivery services.

“The pandemic has transformed the way Filipinos shop and pay. Based on the latest highlights from our annual Visa Consumer Payment Attitudes study, we see the adoption of new consumer behaviors, including more Filipinos using digital commerce platforms and helping to accelerate the usage of digital payments in the country. Based on Visa’s data, we see double-digit growth for eCommerce transactions for purchases on marketplaces and digital goods. In addition, one in four active Visa cardholders made their first eCommerce purchase during first half of last year. Categories that they made their initial purchases include food and groceries, bill payments, and pharmaceutical products,” said Dan Wolbert, Visa country manager for the Philippines and Guam.

Pre-pandemic, more than seven out of 10 payments were made using cash compared to current usage of five out of 10. This trend of consumers carrying less cash is similar in other Southeast Asia countries. Filipinos cited using more contactless payments (73%), perceiving cash as unsafe because of the potential spread of infection (54%) and more places adopting digital payments (50%) as the top reasons for carrying less cash. In addition, Filipinos see bill payments (81%), grocery shopping (71%), and overseas travel (68%) as the top categories where they would likely go completely cashless in the future.

The study also showed that contactless payments had a 66% increase in usage amongst current users due to the pandemic. In addition, 88%  of Filipinos who had not used contactless payments stated interest in using this payment method in the future. Top benefits perceived by Filipinos for usage of contactless cards include not having to carry cash with them (88%), feeling safe from infection (75%), and being an innovative payment method (68%).  

“Based on Visa’s data, contactless transactions have been increasing steadily month-on-month in the Philippines since August last year.  We believe that contactless payments will continue to grow as Filipinos appreciate the benefits of contactless payments, including perceiving this payment method to be more hygienic due to the absence of physical interaction at point-of-sale. Even though we’ve made progress in digital payments adoption, there remain huge opportunities for us to encourage more Filipinos to embrace digital payments as we look to expand digital payments acceptance across the country,” added Wolbert.

In the hope that the pandemic will soon be under control, consumers see travel as the top category that they most look forward to spending on when borders reopen. The study showed that 30% of Filipinos look forward to domestic travel and 22%   would like to spend on international travel post COVID19.

Served Manila was tapped to help mount “Fiesta Filipinas: An Online Celebration of Philippine Festivals” launched last December 2020 by the Department of Foreign Affairs (DFA) in cooperation with the Department of Tourism (DoT) and National Commission for Culture and the Arts (NCCA).

Aiming to introduce and showcase Philippine festivals, culture, and traditions to a global audience, this six-part online event series simulates the experience of a Filipino festival through the combination of live performances, pre-recorded videos, and interactive workshops.

“We’re hoping to bring the experience of Philippine fiestas closer to people’s hearts by making them feel the fiestas,” DFA Executive Director Marie Yvette Banzon-Abalos emphasized.

Fiesta Filipinas is completed with a customized fiesta kit for each festival which includes Filipino delicacies, culture representation, and activities, carefully curated by Served Manila, a local pioneer in experiential online events.

The Halal-certified delicacies featured in the kits come from SMEs and local brands like Malagos Chocolates, Bong Bong’s Delicacies, Cebu Best Dried Mangoes, Gourmet Farms Coffee, Oh So Healthy Snacks and Orich International Malunggay Juices.

“We are excited to bring our exploration kits to people around the world, and showcase the best of Philippine culture, traditions, and even food! It warms our hearts to see foreign nationals smile and hear them say that they are excited to see the Philippines in the future,” says Served Manila chief explorer, Alan Fontanilla.

These kits are delivered to 94 foreign service posts across the world—an immersive invite for foreign tourists to visit the country when conditions are more favorable.

“There’s the taste, the aroma. There’s the sensation of doing things. And everything actually equates to, “Go to the Philippines if you want more,” DoT Undersecretary Roberto Alabado III expressed when asked about the program’s impact on tourism.

Fiesta Filipinas has created a community of foreign nationals and Filipinos overseas looking forward in experiencing the actual festival themselves.

“This is the first time that I have an online celebration like this which is really a great experience for me,” Jennie, a virtual bisita who attended the Sinulog, Ati-atihan, and Dinayang event from Vietnam said.

Another bisita noted that the experience was “absolutely amazing”. “I felt like I was there but I have never been there before,” said Dionte from New Zealand when she attended the Panagbenga virtual fiesta.

Currently gearing for the other fiestas scheduled, the DFA, together with its partner agencies and with the help of Served Manila and its video production and streaming partner Sinematika, Fiesta Filipinas continues to evolve the activities to bring the full Filipino fiesta experience around the world.

The global pandemic has significantly changed the way retailers promote and sell their products. With more Filipinos using digital platforms and transitioning to cashless transactions, businesses need to quickly adapt in order to gain and maintain customer loyalty.

As the Philippine government recognizes the increasing importance of eCommerce in the country, the Department of Trade and Industry (DTI) recently updated its eCommerce roadmap and highlighted speed, security, and infrastructure as the three main pillars to drive industry development, long-term employment, and inclusive growth. The updated DTI eCcommerce roadmap features the key timelines in 2021 that will contribute to the growth that the industry is currently experiencing, and mentions major players in the Philippine eCommerce architecture. It also outlines the integral role that online platforms like Shopee, the leading eCommerce platform in Southeast Asia and Taiwan, and Shopee’s mobile wallet, ShopeePay, play in encouraging Filipinos to slowly embrace digital transactions.

Martin Yu, Director at Shopee Philippines, said, “Shopee continues to evolve and grow as a company not only for our consumers but also for our business partners, such as brands and MSMEs. They are integral to our business and we will continue to support them through various initiatives, partnerships, and in-app innovations. As eCommerce continues to grow at an unprecedented pace, we want to equip our partners with the right tools to serve Filipinos with ease.”

Shopee’s goals and initiatives to support brands and micro, small-and-medium enterprises (MSMEs) on their digital journey are in line with DTI’s eCommerce roadmap strategies. This formula is something Shopee can readily provide to brands and MSMEs, to help them succeed in the digital space. Shopee makes it simpler and easier for brands and MSMEs to adjust to the new DTI eCommerce roadmap with its current ecosystem. With its marketing and logistics tools, mobile features for both sellers and consumers, and digitalization efforts, Shopee gives all its users a smooth online shopping and selling experience.

Shopee also continues to form partnerships with other organizations to offer initiatives to encourage brands and MSMEs to go digital. These include the recent TatakPinoy Virtual Trade Fair, seller masterclasses that offer training to allow MSMEs to on-board easily on the platform, and the launch of new in-app features within Shopee Live, such as co-streaming. All these opportunities are created to help brands and MSMEs broaden their market audience, and embrace digitalization as a whole.

Yu adds, “Shopee is encouraged to see DTI moving swiftly to set the direction of growth for the industry, this helps to ensure that everyone stands to benefit from eCommerce in the long run. As a leading player in the industry, we'll do our part to support DTI's efforts and support businesses.”

M Lhuillier not only bridges Filipino families by providing a fast and efficient remittance service, but now it also links them to affordable and quality entertainment by partnering with the newest streaming platform POPTV.

POPTV is a video-on-demand streaming platform and a Singapore-based company that offers a wide array of local content (blockbuster movies, indie films, classics) and Tagalized international content (KDramas, animes, BL series, Asian movies, plus many more). Its curated library has titles from biggest local producers ABS-CBN, Viva, Regal, and TBA Studios, and international studios JTBC, SBS, and CJ Entertainment of Korea; Nob Productions, GDH, and GMMTV of Thailand; and Medialink of Hong Kong.

POPTV subscriptions are now available in more than 2,600 M Lhuillier branches nationwide.

"The pandemic has caused everyone many worries and troubles, and our role as a payment center is to give them the value of convenience and ease. With more than 2,600 M Lhuillier branches nationwide, we strive to be closer to the Filipino people by being committed to bringing a fast, safe, and reliable service to them," said Michael Lhuillier, President and CEO of M Lhuillier Financial Services, Inc.

“We are excited to announce to our countrymen that POPTV is now available in all ML branches nationwide. Now you can relax and enjoy right at your homes. You don't have to go out to watch your favorite stars or movies. The whole family can bond for just P49 for 10 days, and P99 for 30 days,” said Jackeline Chua, COO of POPTV.

To download the streaming app, just search for POPTV PINAS on Google Play, Huawei App Gallery, and Apple App Store.

The country’s leading fast-food chain, Jollibee, in collaboration with its long-time partner agency, McCann Worldgroup Philippines, is capturing the hearts of Filipinos once again with its latest set of Kwentong Jollibee episodes in time for---and after---the Valentine season. This year, the highly successful and award-winning series draws on love being the greatest source of strength amid the challenges of the pandemic, based on the real-life love stories and experiences of ordinary people.

Highly acclaimed directors Antoinette Jadaone, Pepe Diokno, and Ianco de la Cruz were tapped to headline the new episodes, following the theme #FindStrengthInLove.

“Our efforts continue to be rooted in love and universal truths told through insightful storytelling. While the digital engagement our videos reach is a much-appreciated perk, what we hope to always achieve is to continue to resonate with our audience and make them feel seen, and their emotions felt. We believe this is very important—that while a lot of things are uncertain, we can be assured that we can power through with love,” said Arline Adeva, Jollibee assistant vice president for brand communications and digital.

Telling stories through Kwentong Jollibee

Since its viral launch in 2017, #KwentongJollibee has been chronicling real-life stories of life and love during Valentine’s Day and red-letter day occasions. The powerful stories’ memorable lessons were beautifully weaved in with the Filipinos’ love affair with the brand.

As viewers find the true-to-life episodes to be highly relatable, they have brought many Kwentong Jollibee ads to be dominating materials in the digital space. The videos have now garnered a total of over 557 million views on the brand’s official Facebook page and the Jollibee Studios YouTube channel.

#FindStrengthInLove

The first episode in this year’s Valentine trilogy is “LDR”. It tells the story of Brian and Mina, and the challenges of dealing with being in a long-distance relationship while in lockdown. “LDR” is directed by Metro Manila Film Festival 2020 Best Director Antoinette Jadaone, who is joining the Kwentong Jollibee team for the first time. Just a few hours after its release, “LDR” has gained over 2 million views and counting, indicating people’s appreciation for the narratives of Kwentong Jollibee.

Kwentong Jollibee has continued the heart-tugging narrative with its second and third episodes, First Date and Hero .

Through this year’s Kwentong Jollibee Valentine trilogy, Jollibee celebrates the strength and loving nature of the Filipinos as they battle through the pandemic. They shed light on the unique strength that’s found in love — one that’s sure to carry them through all of life’s uncertainties.

Customer experience is the new battleground, with marketers at the frontline. From financial services to retail, and healthcare to travel, buyers expect more personalised experiences that make it easier and more enjoyable to interact with a brand.

Why?

The bottom line is that customers can and will easily pick up and go somewhere else if this turns out to be otherwise.

Simply providing a customer experience just doesn’t cut it anymore. Brands need to nail the craft of relevant and enjoyable brand engagements.

For example, think of energy customers looking to take advantage of better market offers. In Australia, almost half (49 percent) aren’t happy with their current energy provider.  In Singapore, Forrester’s Customer Experience Index found just 39 percent of customers find experiences “emotionally positive”, while 41 percent consider brands easy to interact with.

But many marketers are losing control of these experiences as buyers increasingly direct their own journey. Whether it’s looking for reviews and recommendations, doing research through search engines, competitor comparisons, or providing input to a call centre, customer experiences are increasingly dynamic and across multiple channels, not just digital.

This is where dynamic marketing comes in – a way to move from the blunt instruments of mass digital or disconnected, channel-based experiences to relevant and real-time experiences based on unified data.

The ever-evolving customer journey

Most, if not all of us, can speak to an experience where we’ve opened our front door to an enthusiastic salesperson using their charisma to woo us in favour of their product or service.

Today, customers direct their own journeys. People do their own research (and lots of it!) and talk to friends and colleagues to learn about their real-life experiences before making a purchase decision. Much of this process happens online.

The pandemic-driven lockdowns put digital transformation into overdrive and proved to organisations that a sound digital strategy isn’t optional anymore. But even at a time when digital is the only option, companies need to still be thinking about the blending of the digital and physical experiences.

This can only be done with data. Through data, companies can optimise their marketing spend more quickly and predict opportunities with their customers. Through data, brands can apply a dynamic approach to understanding customers and ensure they are tuned in at every touchpoint.

esb电竞数据投注电脑版 in a dynamic environment

Dynamic marketing is not a magic bullet. Rather, it reflects the way your buyers already engage with your brand. Marketers can follow five guiding principles to get “TUNED” into their customers

TRUST . Orchestrate and honour customer data preferences and have total control over their data too. Consumers are already more than willing to tell us marketers how they want us to communicate with them if marketers know how to listen

UNIFY . Unify data in real-time to complete the customer experience. When data isn’t unified, it becomes painfully obvious. To achieve a unified data approach, you need a holistic view of customer data. This also makes your job of building customer trust easier.

NOW . Use real-time data to create customer experiences that are accurate and in the moment. This requires the entire data process – from collection, standardisation, enrichment, transformation, to activation – to happen in milliseconds. In the end, the biggest competitor you face is yourself when you drop the ball at the moment of engagement.

EVERYWHERE . Use data to ensure a relevant and consistent experience across all channels. At the same time, this needs to strike a fine balance: following consumers across social media and in their inbox can come across as creepy. Customer data insights need to be connected to all of your channels, both online and offline. From here, you can create more intelligent actions across all customer touchpoints.

DELIGHT . Anticipate and predict customer behaviour to improve customer retention and tackle customer churn. This is done through machine learning (ML) – the next logical step to improve your marketing initiatives. It may seem out of reach, but not when you look at ML-powered Customer Data Platforms (CDPs). With this, you can enable your whole tech stack with predictive insights, resulting in optimal customer experiences.

Each of these principles requires a combination of the right technology, skilled workers, and strategic approach to pull off on their own. But when you look at them as a unified strategy through the lens of Dynamic esb电竞数据投注电脑版, you’ll find a vision for creating the strong customer data foundation needed to deliver a stellar customer experience.

The author, Marie-Louise Dalton is VP esb电竞数据投注电脑版 of APJ, Tealium.

Leading global research company Ipsos announced the appointment of Vicky Abad as Country Manager for Ipsos in the Philippines, replacing Marie Lee who retired in December 2020 having led the Philippine business for 8 years.

Abad brings with her more than 30 years of experience in the market research industry to lead Ipsos in transformational growth initiatives aimed at strengthening the company’s market position in the Philippines.

Just before joining Ipsos, Abad was the Chief Client Officer of Kantar Insights Philippines where she successfully led the growth of key client accounts and driving synergies across several business units. Her core strengths in Client Servicing Excellence were honed over years working with major clients in the Philippines, taking on key leadership positions across several market research agency organizations:  Millward Brown, WorldPanel, TNS, Added Value, and Nielsen Retail (then Dealer Pulse) in the Philippines as well as Nielsen China for International Research.

Along with her agency work, Abad has 12 years of client experience working with companies like San Miguel Food Group and Splash Manufacturing Corporation – where she took on leadership roles in the areas of esb电竞数据投注电脑版 Research & Information Services, Corporate Planning, and New Product Development (with a general management role for Splash’s Research Institute).

Suresh Ramalingam, CEO for South East Asia, said , “I am delighted to welcome Vicky to lead an important market for Ipsos. She is an effective business and people leader and we look forward to continuing the business momentum we’ve been experiencing in the Philippines over the past years.  I am positive that our level of client engagement and partnership will grow further together with our new services and capabilities.

Abad said: “I’m excited to join Ipsos in the Philippines and further its mission to elevate insights and provide service excellence to its client partners. I look forward to helping usher in a new era of transformation and spark changes in the dynamic market research industry”.

By any measure, 2020 has been one of the most momentous years of the past century. The past 50-odd weeks have kept netizens in the Philippines glued to their devices in search of information, ideas, and opinions through a once-in-a-lifetime pandemic. From the eruption of the Taal Volcano, the NBA, to local and Korean entertainment choices, there has been a flood of online activity this year as netizens sought out their passions online like never before.

As the year draws to a close, Yahoo’s Year in Review 2020 takes a look at the top happenings, people, and trends that captured the interest of the Philippines’ online community in 2020.

Top newsmakers of 2020: Uncertainty, tragedy and politics headline search

Taal Volcano, one of the world’s most dangerous volcanoes, was the top searched news in the Philippines this year -- its activity in January threatened the lives of nearly a million people across Calabarzon, Metro Manila, and some parts of Central Luzon and Ilocos region. Late NBA superstar Kobe Bryant ranked second in the search list as basketball-obsessed Philippines reeled from news of his untimely passing.

Local and international politics featured prominently, with the US Presidential Elections (3rd) and President Donald Trump (6th), as well as our own President Rodrigo Duterte (4th) and his additional authority to combat COVID-19 granted through the Bayanihan Act 2020 (5th), also known as the Bayanihan to Heal as One Act, ranking high on users’ searches.

The arrest and ongoing saga of businessman and popular internet personality Francis Leo Marcos (7th) for alleged violation of Optometry Law also kept users on the edge of their seats.

Most searched celebrities: Ivana Alawi and Raffy Tulfo take tops spots

Filipino celebrities dominated the most searched female celebrities list this year, taking eight out of the 10 top spots. Catapulting into the top spot was Kapamilya actress Ivana Alawi whose wildly popular YouTube channel drove her meteoric rise to fame in just a year. Sarah Geronimo ranked second on the list as news of her surprise secret wedding sent users on a frantic hunt for details of the ‘AshMatt’ nuptials. Miss Universe 2018 Catriona Gray’s (3rd) controversial breakup with her ex Clint Bondad was thrust back into the public light as alleged photos of them circulated on social media.

There was no resisting the charm of South Korean oppas as they took up almost half of the spots in the most searched male celebrities list. Gaining international popularity with Crash Landing on Yo u, 2020 was a shining year for Hyun Bin (2nd) as he also clinched a commercial deal with telco Smart Communications. Other South Korean male celebrities who made the list were Lee Min-Ho (6th), Park Seo Joon (9th), and Ji Chang Wook (10th). Broadcast journalist and host Raffy Tulfo surged to the top of the list as he edged out even the best-looking South Korean male celebrities to take the coveted top spot.

Remembering the ‘King of Philippine Movies’ Fernando Poe Jr., legislation filed in Congress to rename an avenue after him sparked interest, ranking him third on the search list. The subject of false reports of his death, Marcelito Pomoy (4th) whose outstanding solo performance of the classic duet ‘The Prayer’ captivated millions of viewers on America’s Got Talent, and the Philippine’s favourite son, Manny Pacquiao (5th) rounded off the top half of the list.

Most searched movies and TV shows: Local showbiz holds on, K-drama rises

No surprises this year as local showbiz continued to be popular, even as the Korean wave continued making inroads into the Philippines.

K-drama Crash Landing on You was the most searched in the list as stars of the series clinched commercial deals in the country - a couple even had photoshoots themed after the series. The World of the Married, another South Korean series, came in seventh as ABS-CBN quickly clinched airing rights for the show with a Tagalog-dubbed version. Rounding up the list was the Oscar-winning South Korean film, Parasite (10th).

Not to be beaten, local showbiz with a mix of local TV series, newscasts, and variety shows were also popularly searched. Encantadia was second most searched, with TV Patro l (3rd), Wowowin (6th), and Ang Probinsyano (8th) proving time-tested favourites.

While it dominated the list in 2019, the popularity of Hollywood waned in 2020 -- only America’s Got Talent (4th) and Frozen 2 (5th) were featured in the list.

Most searched events: Sporting events reign

With major events and concerts cancelled due to the pandemic, users turned to sports events to keep them entertained in the comforts of their homes. This year, sporting events filled all 10 of the most searched events.

The country’s love affair with basketball prevailed even through the pandemic, as the NBA and the PBA Philippine Cup were the top two most searched events in 2020; the latter took users on a rollercoaster ride with several changes in its schedule before resuming in October.

Notably, tennis was also well-loved by users as the Australian Open (3rd), French Open (5th), and US Open (9th) secured three spots on the list. Other major sports events popular with locals such as baseball, football, mixed martial arts, racing, and golf rounded up the list.

# COVID19: Users searched for updates, symptoms, lockdowns, and vaccine

As COVID-19 upended the lives of Filipinos and people around the world, ‘Coronavirus Update’, ‘Coronavirus Philippines’, and ‘Covid19 symptoms’ became the top three pandemic search terms amongst users. ‘Covid 19 update worldwide’, ‘Covid 19 vaccine’, ‘Covid 19 tracker’, ‘Quarantine’, ‘Pandemic’, and ‘Lockdown’ were hot on the heels of the top search terms, coming in from fourth to ninth place.

Interestingly, Italy was a country of interest to users in the Philippines, due to its status as one of the largest European migration destinations for Filipinos. ‘Coronavirus Italy’ (10th) made an appearance as one of the popular searches related to Coronavirus.

The biggest moments online and other surprises from the year, are given a detailed look at Yahoo’s Year in Review 2020.

The global retail sector was in an unprecedented state of flux and as the end of 2020 approached, Nielsen identified a range of evolving consumer groups as well as four Holiday/Festive consumer behavioral resets related to this crucial holiday period.

Nielsen Retail Intelligence Managing Director for the Philippines Patrick Cua comments; “As the end of the year approached, upcoming festivities looked very different for consumers in the Philippines. With mobility and mass gathering restrictions still in effect, Filipino consumers continued adapting to the homebody economy and extended to how they celebrated Christmas during the pandemic. With cooking being central to festivities, we predicted growth in baking and food category this year.”

With Christmas celebrations being more intimate and smaller in 2020, food was integral to this festive season with a rise in food categories such as ham, all-purpose cream, pasta, and canned foods.

Christmas shopping categories

While constrained shoppers were looking at a single consumption, insulated shoppers were indulging in gifting food and health products. Brands catered both constrained and insulated shoppers during Christmas.

Against this backdrop, Nielsen identified five different consumer groups that indicated how financial and physical restrictions manifested leading up to the festive season.

1. Constrained and Restricted consumers have suffered income loss as a result of COVID-19 and have less money to spend and also have less freedom to physically congregate and shop for their holiday needs, due to local restrictions to travel, business openings and social interaction. As a result of limited physical shopping, they had less opportunity to shop around for the best deals and assortment.

2. Constrained but Free consumers have also suffered income loss and were likely to have a savings mindset as they prepared for the festive season. However, because they have no physical restrictions, they had more freedom to celebrate with others and to seek the right products and price points to suit their needs.

3. Cautious Middle consumers have not yet been impacted financially and their celebrations were not limited by local physical restrictions. They were more likely to be cautious spenders and prioritized occasions and gift-giving with only those closest to them.

4. Insulated but Restricted consumers have not been financially impacted by COVID-19 but their festivities were impacted by local physical restrictions. Smaller gatherings curtailed normal spending and encouraged self-indulgent celebrations. Financial flexibility drove these consumers to splurge in some ways to compensate for experiences that are no longer possible (e.g. travel).

5. Insulated and Free consumers have also not been financially impacted by COVID-19. While their social interactions were not restricted, their typical celebrations were affected by those unable to be with them in 2020. These consumers spent the most freely and exhibited pre-COVID-19 holiday behavior.

New pandemic purchase behaviors

To help chart the behavior of these consumers, Nielsen has also identified four emerging patterns to help predict the drivers of pandemic purchase decisions in future. When applied to the context of the many upcoming holidays and year-end festivities, these reset patterns now highlight some important new behaviors that could emerge this season.

• Basket Reset - Holiday spending and gifting will be refined based on what and who are considered essential for each consumer. This will require retailers and manufacturers to redefine what’s festive and capitalize on the broadened assortment of what consumers might consider “giftable” this year. From a necessity that can no longer fit the budget, to a product that has been harder to get in stores this year, there will be big shifts in what defines a “gift”.

• Homebody Reset - Gatherings will be smaller and more intimate with many planned at the last minute. This might see the introduction of so-called ‘ Single-Serve Celebrations’ that cater to needs for convenience, health, and budget consciousness by offering serving sizes and packages conducive to small or socially distanced gatherings.

• Rationale Reset - Consumers will spend more on themselves, prioritizing self-care this year. Retailers might then look to engage with empathy and recognize the trade-offs consumers will need to make. There is also scope for just-in-case solutions that cater to consumers who may be waiting to see whether they are able to physically celebrate a festive occasion or not.

• Affordability Reset - Online shopping will power more holiday consumer behaviors than ever before creating a need to convert impulsivity . With limited physical touchpoints with consumers, it’ll be vital to create spontaneity, even in an online environment.

FWD Insurance is excited to announce the launch of a digital ecosystem in the Philippines that rewards everyone for doing good by way of sharing financial life skills and helping bridge the protection gap in the country. The groundbreaking FWD Affiliate Program is a first in the market. Everyone can be an affiliate by simply downloading the mobile app and completing the registration process for free. Through the app, financial advisors can spread financial knowledge and awareness in a trust-based environment to help others upskill their financial management and start futureproofing with investments and life insurance.                                                                                                                                                                                       

At a time when Filipinos are stretching their budgets, now they can get expert financial self-help, and even be an ambassador helping others increase their financial IQ by sharing inspiring posts with rewards. Technology that enables this Affiliate app could not have come at a better time. The current global pandemic has made people think more about life and health issues, while economic uncertainty has triggered increasing interest in financial management and planning. Recent statements made by the Bangko Sentral ng Pilipinas exposed the average Filipino’s vulnerability: only 48% have savings to lean on during hard times, while household out-of-pocket expenses for health financing rose to a staggering P379.7B in 2019, as reported by the latest Philippine Statistics Authority numbers.                                                                                                                                                                                                                                                           

According to FWD Insurance President and CEO Li Hao Zhuang, the Affiliate Program is a win-win platform for everyone involved. The app offers shareable financial knowledge, tools, and solutions while also creating employment, with an aim to start a virtuous cycle that directly empowers people and enhances protection inclusion. Li Hao said: “We want to reduce the digital divide and address the protection gap in the country. Through FWD’s Affiliate app, we democratize financial education and protection and make it rewarding for everyone. It allows our customers to be
rewarded for doing good, and we believe that is especially valuable in this time of need.”