Thursday, June 22, 2017

Home Credit, a Prague-based Fintech company that allows consumers to purchase smartphones and other goods on installment even without a credit card, celebrated a big milestone recently as it reached the one million customer mark, less than five months after reaching 600,000, and less than four years since serving their very first customer.

“In Home Credit’s four years so far in the country, we have observed that Filipinos tend to have a very positive attitude, and this is also true when it comes to buying goods. And often, they buy things not just for personal enjoyment, but also for enriching their lives and their loved ones,” explained Home Credit Philippines’ CEO Annica Witschard.

“So more than simply providing fast and affordable loans, we are able to help enrich the lives of our customers and the people that matter most to them. And we are glad to be able to do this for one million happy customers and counting,” she added.


Fast growth

Since launching in Manila in 2013, Home Credit has quickly grown its business of in-store financing of gadgets and other goods, especially for customers with no credit card or are first-time loan borrowers.

In 2016, the company grew its customer base from 280,000 to 600,000, and in the first few months of 2017, Home Credit expanded its reach in all major islands to become officially nationwide. Just a few weeks after that, the company welcomed its one millionth customer.

Today, Home Credit is present in over 2,500 partner stores in Metro Manila and 27 provinces, where they offer 0% interest installment promos and other popular loan products.

Home Credit’s secret formula

Asked for their “winning formula”, Ms. Witschard explained that aside from the huge popularity of their 0% interest loan promos and rapid expansion, their various partnerships—such as with leading retailers as well as the biggest electronics manufacturers—have also been big factors in their success.

“For us, it’s very much a win-win situation. We help our partners provide a good financing alternative for their customers who don’t have a credit card; at the same time, the huge popularity of products from companies such as Huawei, OPPO, Samsung, and Vivo help to drive demand for our own financing services,” she said.

“And of course, at the end of the day, the big winners are our customers,” Ms. Witschard added.

Safe lender

On what they have in store for customers moving forward, Ms. Witschard said that they can expect even more 0% interest promos with more partners, in more stores around the country. She likewise emphasized the importance of good customer service, even more so as they continue to grow. 

"At Home Credit, we like to say HC means Happy Customer and we take that commitment very seriously. So as we set our sights on our next one million customers, we remain committed as a safe lender that we will give our customers the best quality of service that they deserve," she said.

According to Ms. Witschard, the company is “doubling up on training our customer-facing employees, such as sales associates and credit advisors, to be even better listeners and communicators. We want them to understand where our customers are coming from and what their needs are."

These efforts are on top of existing “safe lending” features that Home Credit offers to customers, such as the option to avail of insurance along with the loan; a 15 day “cooling-off” period that allows customers to pay back the full loan at no added cost within this time period; and a loan “safety guarantee” that promises full transparency on loan products with no hidden charges.

For more information on store locations, new promos for partners such as Huawei, OPPO, Samsung and Vivo, and useful tips for customers and interested applicants, visit www.homecredit.ph.

Tuesday, May 30, 2017

Out-of-home advertising appears to be an effective touchpoint for middle class consumers in Metro Manila, with the country’s busiest highway, EDSA, garnering 43.9 percent market share of the multi-billion industry.

This was revealed in the latest study conducted by Strategic Consumer and Media Incites (SMCI), a consumer and market research company, which covered respondents from 13 to 60 years old in all social classes A-E and those living around Metro Manila.

The study titled: Out of Home Landscape and Advertising conducted by the SCMI showed that most billboard ads are products and services essential to lifestyle and not basic needs.

South and North Luzon Expressways came in next with 21.2 per cent and 19.8 per cent shares, respectively. The rest of the secondary roads such as Ortigas, Commonwealth, Roxas Blvd., Quezon Ave., Espana, Quezon Blvd., Commonwealth, NAIA, and Marcos Highway shared 15 percent of the market share.

Top ten billboard ads in Metro Manila include fashion products, real estate and banking. These were followed by cars, medicines, restaurants, clinics and hospitals as well as home furnishings.

“The mix of product categories in Billboard advertising appears to be those that are essential to lifestyle and not about basic needs as evident in the proportion of lifestyle categories cornering the major shares in ad spending on this medium,” said Eric Barrera, Client Service Director.

Most popular brands that advertise in various media platforms also dominate Out of Home or billboard ads, according to the study.

SCMI study shows lifestyle products and services dominate products advertised on billboards with spending up to  P285.20 Million in the first three months of 2017. These products are fashion boutiques, real estate, beverages, banks and financial services, fastfoods, media companies , passenger cars/AUVs, over the counter medicines/supplies, canned food processed meats, restaurants. The lowest spending for these products is at P53 Million.

The top ten billboard advertisers according to the study include Suyen Corp., Jollibee, San Miguel Corp., Tiara Commercial,  Robinsons,  Pepsi Cola,  SM Devt Corp, Golden ABC, Vida Nutriscience and  Iflix with spending between P22 Million to P115 Million from January to March 2017.

Top products on billboard ads include brands such as  Bench, SMC, Jollibee, Rob, Penshoppe, Iflix, SMDC, Chowking, Gibi and  Mcdonald’s with a total spending of P19 Million to P106 Million in the first three months of 2017.


The survey that covers those who travel around Metro Manila except drivers of public transport also showed that “the advertising clutter is more glaring at the level of brand names.”

“The list of top brand players is longer than what are usually observed in core media. Each top brand could achieve only a single digit in the share of advertising spend,” Barrera said.

The study also reveals frequency of travels and specific time where people from all walks of life could see billboard ads.

· Working population are mostly out on travel from 5pm onwards.

· Out of Home travels peak between  6-9am and 5-7pm

· Class ABCs are likely to be out during morning rush hour 7-9am and less likely to be out at noontime

· Females travel  mostly on late mornings while males are likely to be out of home during evening rush hour at 5-6pm

· Teens are the most likely to be out of home before 7am and 12nn-3pm and least likely to be traveling from 7-11am

· Non working population are more likely to be out earlier in the day and close to noon

According to the survey, some of the positive attributes of billboard ads that make it attractive to the target markets are:  visually pleasing, colorful, eye catching and clear. However, its downside mostly concerns security such as fears it’s too big and might collapse, blocks views as well as distracting particularly those that carry sexy visuals of celebrities.

The study shows that already popular brands maintain strong presence in billboard ads. These include clothing line Bench and food and beverage giants Jollibee and Coke.

Telecommunications firm Smart and Globe and fastfood multinational McDonalds follow in terms of managing presence in billboard ads. Bearbrand (milk), Chowking (fastfood), Marlboro (cigarettes) and Samsung (electronics) are also on top ten list of popular billboard ads.

Barrera pointed out thought that while Out of Home is increasingly becoming a popular platform, television still dominates the media platforms for advertising followed by Mobile and Out of Home advertising.  Internet and radio platforms maintained popularity.  

SCMI believes there will be an increase in demand to measure audience exposure of Out of Home ads due to its steady rise in popularity. The study on audience exposure will be useful for advertisers and their agencies to plan their communication strategies.

Thursday, May 25, 2017

Most of us have tried to used credit cards when we purchase or had loans for a big expense and even experienced to borrowed money from a co-worker. Well, don't worry because you are not alone. According to data from Banko Sentral ng Pilipinas, almost 50% of adult Filipinos have an outstanding debt while 33% had barrowed money from the past.


There are growing segment that has taken loans from lending or financing companies. And it's hard not to see why these non-traditional consumer finance companies are growing in popularity. Why? Because their requirements are usually much fewer than what banks ask for. Also, the approval process is very fast.


Credit Information Corporation (CIC) master these tips and check out their handy tips from consumer finance company Home Credit and its government partner below to learn:

1. Have a good credit record. 

Reflect to yourself if you are a good borrower or not. Check your credit history first before getting a loan.

2. First-timers have a chance, too. 
Home Credit can provide ooans for the first timer barrowers because they have their sophistiated system for screening the applications. CIC, can get credit data from telcos, cable companies, and more.

3. Know your rights and read the fine print.
Fully check your loan contract and find out if there are ahy special conditions.

4. Are you on time? Good. Ahead of time?
Remember your dues once your loan application was approved and signed. You can enroll it into bank auto-debit if you want, just make sure that you have fund in your account.

5. Let your lender know if you run into troubles.
Everyone can encounter financial difficulties that can be the cause on their ability to repay. If this happens, the safe thing to do is to tell your lender about it and do not hide.

If you have good credit record, you may have realized how big is your role in credit history. On the other hand, if you are prompt and diligent with your payments, that small loan can do wonders for you creadit history. For more information, you can visit www.homecreadit.ph.

Thursday, April 27, 2017

Last year, global technology innovator LG Electronics blew away the Mobile World Congress with its G5 smartphone, garnering the most awards among all the other mobile powerhouses. Because of its worldwide success, expectations of tech experts were high in this year’s MWC run, which launched its successor LG G6.

Today, two months after its global unveiling—where global tech experts Wired, Android Authority, Digital Trends, PCMag and TeachRadar hailed the G6 as the best smartphone of MWC 2017, the multi-award-winning device officially opened its doors to the Philippine market through a massive event at SM Mega Fashion Hall. Consumers, media partners and celebrities gathered together to experience LG’s latest flagship, which projects itself as the ideal social media smartphone for any digitally-savvy user.

Endless display, compact body
Through consumer insights, research, development and innovation, LG G6 goes back to basics, empowering users to do more with its large screen while being compact enough to fit comfortably in one hand. It comes with a 5.7-inch QHD+ FullVision display, and for the first time ever in a smartphone, a highly functional 18:9 screen-to-body ratio. Compared to conventional 16:9 aspect ratio displays, the 18:9 format offers more viewing space and a more immersive experience when streaming videos and playing games.



Even with its large screen, the smartphone is easy to hold. Sculpted from aluminum and glass, the G6 offers a sleek minimalist design with rounded corners, extremely narrow bezels and a perfectly flat black—no camera bump to avoid or protect.

Video, audio and picture quality at its peak
More than the breakthrough 18:9 format and complementary design, LG G6 also stakes its claim as the first smartphone to feature Dolby Vision technology. But not only does it support Dolby Vision, it also supports HDR 10, both of which are standards for High Dynamic Range (HDR), the picture quality technology which allows a wider range of color, luminosity and detail. With HDR content from Netflix and Amazon on the rise, users can watch popular shows in stunning HDR quality on the G6, enhanced by superior audio from its Hi-Fi Quad DAC feature.

The camera technology of the G6 is also naturally advanced with its standard and wide angle settings for both the rear and front cameras, dual 13MP rear cameras (including a 125-degree lens on the wide angle) and an expanded 100-degree field of view with the wide angle 5MP front camera. The G6 features Android’s first-ever Square Camera Mode, with a function that can divide the 18:9 screen into two identical squares for simultaneous photo taking, editing and uploading, as well as creative Instagram shots. Users can also up their food photography game with the popular Food Mode function.

Bar-raising durability and user experience
The G6’s durability is further developed with its water and dust resistance. It can be immersed in up to 1.5 meters of water for as long as 30 minutes, and users can worry less about accidental drops and other rough environments during everyday use. For greater reliability against overheating, the G6 is designed with a metal frame and heat pipe to dissolve heat. The powerful device has passed 14 different military-standard 810G tests involving rain, fog, humidity and temperature, among others.

User experience is also levelled up with a built-in Google Assistant to work seamlessly and intuitively with LG apps, empowering users to get fast answers, manage everyday tasks, enjoy the best music and videos and search the G6 more quickly and efficiently than ever. With the remote after-service utilizing artificial intelligence, the more Google Assistant is used, the more personalized it becomes because it knows more about the user.

Now in Philippine shores
Prominent personalities like LA Tenorio and Sharlene San Pedro graced the event and encouraged the public to try out the smartphone, while respected industry names shared their own acclaims from different points of view. Social media influencer Janeena Chan raved about the G6 camera’s square feature and wide-angle mode while Spot.ph’s Owen Maddela shared his experience with the Food Mode. Director of local blockbuster “I’m Drunk, I Love You” JP Habac commended the G6’s video taking and Dolby Vision capabilities, while the Hi-Fi Quad DAC audio quality was lauded by Yael Yuzon, the lead singer of popular music band Sponge Cola.

“We’re so excited to introduce to the Philippine market our newest mobile innovation,” LG Mobile Philippines VP Jay Won said. “It received excellent feedback from tech experts worldwide because we listened to customers’ modern needs. The G6 went back to basics and took smartphone design, convenience and overall user experience to the next level. With the G6, we hope that Filipinos will be able to expand their capabilities using the big, immersive screen that fits in one hand.”

LG G6 is now available in the Philippines in Astro Black, Ice Platinum and Mystic White retailing for Php 37,990.00. From April 17 to 30, 2017, buyers can avail of LG’s pre-order promo and enjoy exclusive freebies worth Php 8,990 (an LG G6 case and LG Tone Infinitum bundle) as well as a one-year extended warranty. For more details, visit lg.com/ph, like @LGMobilePH on Facebook and follow @LGPhilippines on Twitter and Instagram.

Thursday, February 16, 2017

Global gaming PC brand Predator continues to overpower the competition in the local gaming PC market with the opening today of High Grounds Cafe, the country’s first and only fully branded gaming cafe.

Operated by the country’s top gaming cafe brand TheNet.com (TNC), High Grounds Cafe will definitely capture the attention of both gaming enthusiasts and professionals alike. It is fully armed to the teeth with top-of-the-line and powerful Predator gaming PCs in a gaming environment that’s unlike any other in the country today.


Located amid this city’s entertainment capital, High Grounds Cafe featured only the best gaming desktops courtesy of Predator, with 110 units of the Predator G1 (GTX 1080) and Predator G3 (GTX 1060) on hand for hours and hours of playing. 


The Predator G1 squeals with beastly bravado that suits today’s brawny gamers with its ultra-powerful Intel Core i7 6700 processor (8M Cache, up to 4.00GHz) inside and 32GB DDR4 2133MHz memory for enough show and swagger and truly rock the house with its fiery performance regardless of gaming title while the 3TB 3.5-inch 7200 RPM and 256 GB M.2 2280 Solid State Drive combination is a force to reckon with in terms of storage capability. For visual clarity that lets you get your head—and eyes—into the game, trust the NVIDIA GeForce GTX 1080 with 8GB of GDDR5 graphics card to deliver the goods when it comes to an awesome and immersive game experience.

The Predator G3, meanwhile, boasts of the same overclocked Intel i7 processor for that ferocious roar in every game, powerful 16GB DDR4 2133MHz memory and 2TB 3.5-inch and 128GB Solid State Drive combination for the utmost in storage capacity and NVIDIA GeForce GTX 1060 with 3GB GDDR5 graphics card that lets you stun your enemies with out-of-this-world graphics and dominate the esports scene.

Pair these two gaming monsters with the 24-inch full HD Predator XB241H monitors that support NVIDIA G sync technology to boost your game day with its no-tear and less-stutter performance for fast-paced games and ferocious visuals that will certainly stun any onlooker.

Thus, expect screams, shrieks of delight in conquest and supremacy to rock the High Grounds Cafe as hundreds of players can be accommodated there at any given time. Gamers can also enjoy glorious snacks and other meal-time favorites during breaks from their game triumphs so they can recharge their batteries and be ready to dominate the competition again.


The opening of High Grounds Cafe is also the perfect battleground for the launch of the Predator 21 X which gives gaming pros and tech enthusiasts the best and most fearsome gaming laptop ever. Targeting the well-heeled and loaded tech lovers out there who will spare no peso in getting the most advanced and powerful gaming rig around, the Predator 21 X is a perfect fit for gamers who seek a whole new level of immersion in terms of sound and visuals, interaction, cooling and power efficiency never seen before in any gaming laptop. 

The Predator 21 X is a humongous beast of a laptop that comes with a robust 21-inch-wide FHD (2560 x 1080) IPS screen with 2000R curvature for unbelievable visuals, 7th Generation Intel Core i7 processor, NVIDIA GeForce GTX 1080 SLI with 16GB GDDR5X graphics card coupled with 64GB of DDR4 system memory, plus Acer ColorBlast™ technology for the clearest and most abundant colors ever to reach a laptop.


TNC.com owner Eric Redulfin said High Grounds Café breaks the barriers in what used to be Internet-surfing-only cyber cafes. “The environment now is totally different in terms of cyber cafés. What used to be just for Internet surfing and browsing metamorphosed into complete full-fledged gaming centers. Of course the Internet is still there but gaming now takes the spotlight and the attention of game-loving and esports aficionados in the country.”

Redulfin bared that High Grounds Cafe will also be the perfect breeding ground of future Filipino esports stars who can give esports players from other countries a run for their money. “The Philippines is a young entrant in the global esports arena. Compared to other gaming countries, I could say we’re behind but that was 2-5 years ago. Now, even if we started competing only last year in tournaments abroad, we gained much attention already with the recent triumph of the TNC Pro Team during WESG,” he said.

The TNC Pro Team, bannered by members Marco Polo “Raven” Fausto, Carlo “Kuku” Palad, Samson Solomon “Sam_H” Hidalgo, Timothy “Tims” Randrup, and Ryo “ryOyr” Hasegawa, made history by becoming the first Filipino grand champions at the World Electronic Sports Games (WESG) 2016 Defense of the Ancients (DotA) 2 competition. The team took home a rich total prize pot of US$800,000 (roughly Php40 million) after defeating the Cloud9 team from Denmark in a heart-pounding finals match. 

Redulfin and team manager Paulo Sy both admitted it’s tough to maintain a competitive team that should be well trained and funded. But with the arrival of the Predator desktops at High Grounds, they know that more and more esports “athletes” or gamers will have full access to powerful PCs that can deliver the best—and only the best—experience in leisure and competitive gaming.

“The players train for 8-10 hours every day and they need the best PCs to help them visualize and conceptualize strategies for every game. With their power and brawn, the Predator desktops are a big help in our aim to promote esports and hopefully, we can find the next best players that will bring pride to our country in future esports competitions abroad and help promote TNC as well,” declares both Redulfin and Sy.

“We are glad that TNC decided to use Predator desktops as their only gaming rigs at High Grounds Cafe. It just goes to show that Predator remains to be the only preferred gaming PCs by serious esports competitors who only want the best with the most premium components found inside, those that won’t conk out in the heat of the game any time of the day. Esports is serious stuff and is ultra-competitive that needs only the best PC for gameplay, and Predator is definitely it, without question,” explains Clark Gurden, Predator Brand Ambassador, Predator Headquarters. 

For his part, Jerome Matti, NVIDIA Consumer Sales Lead, Philippines, said: “We build the ultimate platform for gamers. NVIDIA GeForce GTX 1080 and 1060 GPUs are based on our most advanced Pascal architecture that delivers amazing speed and power efficiency, plus innovative new gaming technologies. And our advanced G-SYNC monitors are designed to give gamers incredibly smooth, tear-free gameplay. Together, they redefine what makes a perfect platform for the new generation of content. And with Acer’s exquisite craftsmanship, we are able to bring the world’s most advanced platform to the Philippines’ biggest iCafe, High Grounds powered by TNC. We are thrilled to see more and more GeForce PC gamers in the Philippines!”

For more about the Predator gaming system, go to the Predator Philippines Facebook page - @PredatorPhilippines.

Thursday, November 10, 2016

Another special treat from Flash Plus Philippines—one of Asia’s rising developers of lifestyle and smart devices—is coming your way this yuletide season as it joins the annual Online Revolution Sale of e-commerce giant, Lazada Philippines! This time, Flash offers its signature smartphone, the Flash Plus 2 (3GB), at the price of Php 6,990 for November 11 only.

Now, on its 4th year, the annual online sale will be bigger than ever. It will highlight some of the online shoppers’ most well-loved products from Lazada, including the Flash Plus 2.

“Flash Plus 2 has received positive reviews from its users as we launched it in the country earlier this year. As a way of giving back to our loyal customers, we tied up with Lazada’s annual product culmination in which they can purchase the Flash Plus 2 (3GB) at a more competitive price for a limited time only,” Sheree Gayas, Flash Philippines’ marketing manager.

The said smartphone boasts its future-forward attributes that bring superior durability, efficiency, and convenience to the users. These include high-definition phone camera, Hi-Fi audio capacity, and fingerprint recognition capabilities, all enclosed in a sleek metal case.

Sleek metal case

Flash Plus 2’s exterior is made more stylish with its aluminum case, which is also crafted to achieve superior durability through several kinds of metal polishing processes.

The case’s sides are treated with Bead Blasting textures, allowing for a sleek side view. The back panel, on the other hand, is treated with high-density hairline metal drawing processes for excellent grip and added protection against scratching.

HD camera phone

As a camera phone, Flash Plus 2 exhibits the same superior photography DNA, found in all Flash smartphone offerings. With its built-in high definition camera with a 13-megapixel rear lens, Flash Plus 2 allows you to take high definition photos and videos. It also adopts PDAF and contrast focusing features, which are useful for capturing fleeting moments.

It also makes shooting under dim light much easier with its built-in rear dual color flash lamp, RealTone, and front LED flash with Color Rendering Index.

Fingerprint recognition

Through the smartphone’s fingerprint recognition capability, you can now ensure optimum security and convenience in phone unlocking. This feature has a high accuracy level that responds in half a second. It can also safeguard all your apps and private folders by assigning specific fingerprint to access them. For instance, you can use your thumb to open your Facebook account, index to send an e-mail, among others.

Hi-Fi Audio

With Flash Plus 2, you can also have an immersive music experience. This is due to its high-fidelity amplifying functionality. It has a quality-retaining earphone acoustics, high sound volume effects, and MIX music production.

These are made possible through the independent AKM4375 audio decoding chip coupled with state-of-the-art IRD sound digital filter, with value-retaining signal output measuring up to high-fidelity acoustic effects.

Flash Plus 2 has two color options—Luna Silver and Venus Gold, which will all be available in Lazada’s Online Revolution Sale.



For more details, please visit the website at http://www.flash3c.com/ph.
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