This pandemic has caused everyone to adapt to the “new normal” way of life. That includes businesses. Big or small, each made an effort to go on digital transformation to innovate their products and services to further make up for the drastic change happening around the world.

For Home Credit, it did not come as a surprise since their digital efforts started years ago knowing that digitalization, especially in the financial industry, is the next big thing. Their journey started from their launching in 2013, where they already proved to be a gamechanger in the financial landscape.

Coming from a predominantly unbanked market like ours, Home Credit came into the picture and started catering to Filipinos with little to no credit history and providing affordable installments for their gadget and electronic needs. This is what we now call as “buy now, pay later” and despite the term finding its fame during the pandemic, it’s actually a relatively old concept – and Home Credit has long been considered a pioneer and leader in this industry.

Not only has it solidified its footprint as the country’s leading consumer finance with presence in over 9000+ stores nationwide, it has also rapidly grown its mobile presence in the recent years through the My Home Credit App in Google Play Store which now has more than 9 million app users, putting their total customer count to almost 8 million.

As they celebrate their 8th year anniversary, their growing customer-base will continue to enjoy several of its offers through physical touchpoints at partner retail stores as well as explore contactless options through the My Home Credit App providing every need in just one place – loans, pay bills, buy load, contactless payments, shopping through partner stores, exciting discounts, and so much more.

Home Credit’s one-minute approval for loan applications is known as the fastest in the industry. Including simple requirements, interested borrowers can apply in partner retail stores all over the country. As the pandemic pushed us to convert to contactless means, Marketplace – one of the features of My Home Credit App – was introduced as the one-stop shop to browse big-ticket items, compare deals and products, and apply for loans, all within the app. Redefining the traditional way of shopping and the buy now pay later experience of Filipino consumers, they are the first consumer finance provider to offer pre-approval in the mobile app.

Beyond offering easy installments, Home Credit now offers easy payments. With the introduction of its newest payment option Qwarta, Home Credit customers will be given as much as P10,000 additional spending limit within the app to increase their purchasing power. Qwarta can be used to pay bills without additional cost, shop or buy load with discounts, or purchase via QR Code.

The Home Credit app now houses telco load from all networks, over 200 billers, and can also scan QR codes at 50,000+ partner brands and merchants nationwide, allowing customers to stretch their budget on countless shopping scenarios. And even better news, by using the app at selected stores, customers can enjoy up to 50% off through its SMILE discounts program.

Home Credit’s financial literacy campaign has also evolved through the years. For the longest time, they have made it their purpose to teach the basics of budgeting and saving to ordinary Filipinos through the ‘Juan, Two, Three‘ campaign. Staying true to this mission but having in mind the effects of the pandemic, they started leveraging on digital platforms to deliver financial literacy concepts through their official website, social media and mobile app – this time with their newest program dubbed as “DigitizEd”.

“Home Credit introduced a lot of firsts to the Philippine market, and this is a testament of how well we anticipate the needs of the consumers and continue to innovate our services and offerings to meet those demands. Having evolved over the past 8 years, we want to offer a 360° service and be your go-to partner for all your financial needs” said David Minol, Home Credit PH Chief Executive Officer (CEO).

Celebrate with Home Credit as they turn 8 this year by keeping yourself posted on the latest announcements and special promos – one of which is the much-awaited awarding of their 8 millionth customer who will receive exciting prizes sponsored by (brand partner). For more information, visit www.homecredit.ph and follow Home Credit at www.facebook.com.homecreditph.

Calling out all songwriters and TikTok creators out there! Join the Beko Jingle Maker Contest where one winner can win a total of Php50,000 in cash and appliances!

How to join?

• Any Philippine resident can post an original Beko jingle on TikTok for 30 seconds minimum and get the chance to win the contest. Participants must enter with a legitimate TikTok account (no dummy account/auto likes allowed).
• The song must be performer solo or by a group, a cappella or with 1-2 instruments.
• The tune and lyrics must be original and not replicated, copied or adapted from other songs.
• The use of copyrighted materials, including but not confined to music and logos, is not allowed.
• The jingle must be related to the Beko brand, products and/or healthy living.
• The song may not be submitted or aired elsewhere. An edited version may be used by Beko for upcoming official promotional materials.(For content inspo, check out bekoph on Facebook and Instagram or go to www.beko.com/ph-en. Beko, European Home Appliance Brand, makes appliances so people can live healthier and better lives.)
• You need to be following @bekoph on Facebook, Instagram and TikTok.
• To post an entry, your TikTok account needs to be public. On the caption of your entry post, you must include your account name on Facebook and Instagram (both must be public) and tag three friends on TikTok.
• All steps of the contest must be followed for each entry to be deemed valid.
• The contest is open to all amateur/professional songwriters, musicians, music enthusiasts and any resident of the Philippines. Participants below 18 years old will need parental consent.

The entries will be judged on Originality (20%), Wit/Creativity (20%), Relevance to Beko (50%) and Audience Impact/Likes (10%).

Amazing prizes await the winners! The grand prize winner will receive Php25,000 cash and Php25,000 worth of Beko products. The three runners-up will each win a Bagless Canister Vacuum Cleaner VCO20713WV. All participants will get 50% OFF Discount Vouchers (on selected models on HAT website) as participation prizes. 

Winners will be announced on October 29, 2021 on Beko PH’s Facebook and Instagram pages. Winners will be notified via TikTok, Instagram or Facebook private message. Prizes must be claimed within 30 days upon notification or they will be deemed null. Non-cash prizes are not convertible to cash. Beko Philippines reserves the right to declare invalid or to disqualify any invalid entries that are determined to be incomplete, illegible or inappropriate for any reasons. Beko will have exclusive rights and ownership of the winning song without remuneration of any kind. 

Show off your songwriting skills by joining the Beko Jingle Makers contest! Go to www.beko.com/ph-en for more details!

We recently got our hands on some photos of the latest CAMON model from TECNO Mobile, which is rumored to be coming out in early November in the Philippines. There aren’t many details available yet about this  new phone, but the tri-camera set-up and classy chrome-inspired colors have us wanting for more. The key feature that caught our eye was the 60x zoom, coupled with TECNO’s proprietary AI TAIVOS technology, means high-quality photos probably never seen before on a high-end phone.

We all know the realme brand as one of initiator when it comes to smartphone and AIoT innovations. As realme continues to strengthen and expand its AIoT portfolio within the TechLife ecosystem, here’s another reliable and top-notched AIoT device technology from realme. Your smart partner that will surely make your life easier when it comes to cleaning your home. Check out the realme TechLife Robot Vacuum.

Glass skin is not an unrealistic beauty goal or a glossy look you achieve with highlighters and other cosmetics. It’s healthy skin that’s glowing and radiant. Getting the glass skin of your dreams is all about cleansing and layering lightweight and hydrating skin care products to help create the appearance of glowing, dewy skin.

When you’re in an online meeting or doing a virtual presentation, your lips are the most visible. If you’re not too keen on putting on makeup or even just lipstick, a tinted lip balm would do wonders to make you look well-groomed.

Dandruff, a problem caused by many, can result in people living in fear of wearing dark colors because flakes are very visible on these clothes. Dandruff can also be physically uncomfortable as it can cause dryness and itching. For many, having dandruff can really have a big impact on some people, making them less confident in interacting with others.

In the true sense of supporting adventure and activities best experienced among friends, Mountain Dew brings to the public Battle of Bangis where Cong, Ivana, and their respective teammates are taking part in different bootcamp challenges. for over three weeks—Pisikalan, Walang Iyakan, Mind Over Matter, and Tropahan from October 10 to 27 leading up to the finale dubbed Mountain Dew Battle of Bangis D’ Ultimate Showdown on November 7.