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Articles and opinions by Janine Marie Crisanto

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Mystery shopping becomes an important supervisory tool in retail banking
Date: Apr 18, 2017   |   Author: Janine Marie Crisanto | News Analysis
Rapid developments and increasing competition in the retail banking landscape require greater need for closer supervision and monitoring from industry regulators to protect the rights of the consumers.
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PayMaya serves the unbanked in the Philippines through the mobile app
Date: Apr 17, 2017   |   Author: Janine Marie Crisanto | Case Study
Access to mobile banking in the Philippines remains exclusive and conventional despite a high mobile phone penetration rate. PayMaya is enjoying some success in penetrating the mobile banking space by reaching out to the "unbanked" segment, which makes up two-thirds of the population.
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Is there still room for Alibaba’s 12.12 in the e-commerce market?
Date: Dec 13, 2016   |   Author: Janine Marie Crisanto | News Updates
Following the success of the Singles' Day, Alibaba has ventured on another e-commerce event dubbed as 12.12, first introduced in 2013. The company has taken advantage of these shopping festivals to push its online presence amidst a strong competition within the e-commerce market.
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Singles' Day breaks sales record but shows its weakest growth yet
Date: Nov 23, 2016   |   Author: Janine Marie Crisanto | News Analysis
Alibaba's Singles' Day has surpassed global records for e-commerce sales, taking a total of $17.8 billion this year. However, there are concerns whether the one-day event held every 11th November can sustain its large growth in the coming years.
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Non-bank players vie for customers in the digital payments arena
Date: Nov 03, 2016   |   Author: Janine Marie Crisanto | Research Note
Increasing adoption of digital payments has resulted in stiff competition within the industry. Non-bank payment players have become more aggressive, aiming to grow into full scale financial service providers.