Cebuana Lhuillier Puts Convenience at Customers’ Fingertips with Cash Accepting Machines

 

 Cebuana Lhuillier is expanding services across its nationwide branch network by introducing Cash Accepting Machines (CAMS), giving customers more ways to complete routine financial transactions in locations they already know and trust.

Developed in partnership with ECPay, CAMS enables customers to cash in, load mobile phones, pay bills, and top up, adding technology-enabled self-service options to the Cebuana Lhuillier branch experience.

“Our goal is to make every interaction with Cebuana Lhuillier as convenient and seamless as possible. CAMS gives our customers more choice in how they complete everyday transactions while allowing us to bring practical, technology-enabled services closer to the communities we serve. It is another step in making financial services more accessible, relevant, and responsive to the needs of our customers,” said Cebuana Lhuillier President and CEO Jean Henri Lhuillier.

The initiative builds on Cebuana Lhuillier’s more than 3,500 branches nationwide, enabling the company to introduce additional services within a physical network that reaches millions of Filipinos. By bringing more capabilities into its branches, customers can meet more financial needs with more ease.

“This is how we see innovation working at the branch level, using technology to expand what customers can access while preserving the reach and familiarity of Cebuana Lhuillier. CAMS allows us to make our branches more responsive to how customers want to transact today,” said Cebuana Lhuillier Senior Executive Vice President, Philippe Andre Lhuillier.

CAMS complements the range of financial services already available through Cebuana Lhuillier’s branches, from remittance and pawning to bill payment and other everyday financial needs. Adding self-service capabilities gives customers another way to complete selected transactions while keeping branch assistance within reach.

The initiative reflects Cebuana Lhuillier’s broader approach to innovation: bringing practical technology into its extensive physical network to make financial services more accessible, relevant, and easier to use.

As customer needs continue to evolve, Cebuana Lhuillier is also evolving how Filipinos experience its branches, turning familiar locations into more versatile touchpoints for everyday financial needs.

Why Winter Is the Best Time to Fall in Love With Seoul

 

 Island Resort Club Tour Services, Inc. (IRC) has opened bookings for its Winter 2026–2027 “Best of Seoul” tour package via Korean Air, featuring Elysian Ski Resort, the Gwanghwamun Lantern Festival, and Michelin-recognized dining. The package includes a guaranteed Korean E-Group visa, a free unlimited data eSIM per family, and a Korean Air full-service carrier upgrade at no extra cost. Pricing starts at USD 599 (Plus) and USD 688 (Premium), with departures running from December 2026 through February 2027.

Snow, Lantern Lights, and Samgyetang:Why Winter Is the Best Time to Fall in Love With Seoul

Picture this: you step off the gondola at Elysian Ski Resort, cheeks pink from the cold, snow crunching under your boots for maybe the first time in your life. By nightfall, you're wrapped in a blanket along the Cheonggyecheon stream, watching thousands of lanterns glow against the dark and in between, there's a steaming bowl of Samgyetang waiting to warm you back up.

That's the kind of trip Island Resort Club Tour Services, Inc. (IRC) has built into its Winter 2026–2027 ‘Best of Seoul’ package, now open for booking through the Join Enjoy Korea platform, flying via Korean Air in partnership with the Seoul Tourism Organization and Go! Seoul. And this time, the trip comes with more than just a packed itinerary a guaranteed E-Group visa, a free unlimited eSIM for the whole family, and Michelin-recognized dining are all part of the package.

A Season That Only Comes Once a Year

Korea in winter isn't just cold it's a completely different country than the one you'd see in spring or summer. Snow blankets the mountains, the city lights feel warmer against the dark, and entire streets turn into open-air lantern displays. This is the trip for travelers who've always wanted to touch real snow, try skiing for the first time, or simply see Seoul wrapped in its most magical season.

What Four Days in Winter Seoul Actually Looks Like

The journey starts the moment you land: a short ferry ride to Nami Island, where snow-dusted tree-lined paths look straight out of a K-drama, followed by an afternoon at Elysian Ski Resort for travelers to ski, snowboard, or just play in the snow (equipment rental available; Soyangang Skywalk steps in as a scenic alternative if the slopes are closed).

Day two is where Seoul's winter magic really shows off from the Starfield Byeolmadang Library's soaring bookshelves to the 63 Sky Picnic rooftop observatory, before ending the night at the glowing Gwanghwamun Lantern Festival. For those who want to go further, an optional Han River cruise with DIY ramyeon at River Park adds a cozy, only-in-winter twist to the evening.

The final day is for soaking it all in one last time — Hongdae's street energy, the view from N Seoul Tower, and a hands-on DIY kimbap session before heading home.

Choose How You Want to Spend Day Three

Travelers who want a fuller itinerary can pick Best of Seoul Premium, which includes a guided Day 3 to Everland and Starfield Library. Those who'd rather sleep in, shop, or wander on their own can go with Best of Seoul Plus, which leaves Day 3 open with the same Everland, available as an optional add-on for groups of 10 or more (USD 100 per person).

What Makes This Package More Than Just a Tour?

Beyond the itinerary, this package bundles in a handful of perks that travelers would normally have to arrange or pay for on their own:

• Guaranteed Korean E-Group Visa approval secured as part of the group application, taking the uncertainty out of one of the most stressful parts of planning a Korea trip.

•  Free Unlimited Data eSIM per Family stay connected for maps, translation apps, and sharing the trip in real time, at no extra cost.

•  Michelin-Recognized Dining meals featuring a restaurant honored for 7 consecutive years by the Michelin Guide.

•  Korean Air flying on Korean Air's full-service carrier, at the same regular package price.

•  Superior Baggage Allowance 23kg checked plus 10kg hand-carry, more than enough room for winter layers and pasalubong.

•  Gourmet In-Flight Meals included on both legs of the Korean Air flight.

What Will It Cost You?

Rates depend on when you fly book earlier in the season for the lowest price:

Departure Dates:

Regular Travel: Dec 2–6, Dec 9–13, Jan 13–17, Jan 20–24, Feb 17–21, Feb 24–28

Plus USD 599 / Premium USD 688

Peak Season: Dec 16–20, Jan 6–10, Jan 27–31

Plus USD 699 / Premium USD 788

Super Peak Season: Dec 23–27, Dec 30–Jan 3, Feb 3–7, Feb 10–14

Plus USD 799 / Premium USD 888

Every package already covers round-trip Korean Air flights, hotel stays, daily meals, transfers, guided tours, an English-speaking guide, entrance fees in the itinerary, travel insurance (up to 75 years old), and daily bottled water so the only things to budget separately are the guide's tip (USD 5/pax/day), a single supplement if traveling solo (PHP 10,000), the visa fee (PHP 1,000), Philippine travel tax (PHP 1,620), and a fuel surcharge (USD 50, subject to change).

“Winter is one of our most requested seasons because it gives travelers something they simply can't get any other time of year real snow, skiing, and Seoul at its most beautiful,” said Hyok Choi, CEO of Island Resort Club. “We built this package so our guests could experience all of that without having to plan a single detail themselves.”

About Island Resort Club Tour Services, Inc.
Established in the Philippines in 2002, Island Resort Club Tour Services, Inc. (IRC) is a premier MICE and destination management specialist with a proven track record in orchestrating high-level, bilateral governmental and corporate events adhering to rigorous state-level protocol standards. Notably, IRC spearheaded local operational management for the Korea-Philippines Business Forum, held on the occasion of the South Korean President’s state visit to the Philippines to commemorate the 77th anniversary of diplomatic relations.

IRC is a fully accredited travel agency licensed in the Philippines, South Korea, and Cuba, and is officially designated by the Ministry of Justice of the Republic of Korea to process Korean electronic visas (e-visas). Through its flagship platform, "Join Enjoy," IRC continues to lead bilateral cultural exchange, tourism, and business connectivity between the Philippines and South Korea.

Father of K-Drama’ Chang-sik Park Headlines 2026 ASEAN-Korea Innovative Culture Forum in Manila

The 2026 ASEAN-Korea Innovative Culture Forum will be held on Saturday, November 7, 2026 at the Ayala Museum in Makati City, co-hosted by Korea’s Ministry of Culture, Sports and Tourism (MCST), the Korean Foundation for International Cultural Exchange (KOFICE) — led by President Chang-sik Park, widely credited as the “Father of K-Drama” — and the ASEAN Foundation. The free event, open to the public with pre-registration, features masterclasses on transforming creative ideas into high-value intellectual property, along with Korean culinary experiences, curated art exhibitions, and K-pop giveaways.

‘Father of K-Drama’ Chang-sik Park and Global IP Visionaries Gather in Manila: Why You Cannot Afford to Miss the 2026 ASEAN-Korea Innovative Culture Forum

MANILA, PHILIPPINES — On Saturday, November 7, 2026, the Ayala Museum in Makati City will host an unprecedented gathering of the masterminds behind Asia’s most iconic cultural phenomena. Co-hosted by the Ministry of Culture, Sports and Tourism of the Republic of Korea (MCST), the Korean Foundation for International Cultural Exchange (KOFICE), and the ASEAN Foundation, the “2026 ASEAN-Korea Innovative Culture Forum” offers an exclusive masterclass in transforming creative ideas into high-value intellectual property (IP).From high-level masterclasses with industry legends to authentic Korean culinary experiences, curated art exhibitions, and high-value tech and K-pop giveaways, here is why this is the premier cultural event of 2026 in Manila.

World-Class Keynotes & Sessions: Learn from True Creative PioneersAttendees will gain direct insights from an elite roster of regional leaders across four strategic sessions:• Opening Remarks by the ‘Father of K-Drama’: Mr. Chang-sik Park, President of KOFICE, who produced over 50 legendary Korean TV dramas including 'Eyes of Dawn' (1991), 'Sandglass' (1995, reaching a historic 64.5% viewership), and 'Yi San' (2007) will open the forum, sharing his blueprint on storytelling longevity and state-level cultural policy.• Keynote Address by Nexon’s Gaming Pioneer: Mr. Chang-seop Kim, General Director of NEXON’s MapleStory, will reveal the strategies behind MapleStory’s 20-year dominance in Southeast Asia (MapleStory SEA), detailing how a gaming IP successfully expanded into symphonic orchestra concerts, theme park attractions, and global consumer brands.

Session 1 (Policy): Building Governance for Cultural IP (11:00–12:10)  Moderated by Jonathan Tan Ghee Tiong (Head of Culture and Information Division, ASEAN Secretariat), featuring former IPOPHL Director General Josephine Santiago, Indonesian IP reform architect Ari Juliano Gema, and Dr. Ji Hoon Yang (Korea Culture & Tourism Institute)

Session 2 (Industry): Monetizing Imagination & Global Scaling (13:00–14:10)  Moderated by acclaimed Thai film director Panu Aree, featuring Jean Yeo (Creator of Singapore’s Emmy-recognized productions and local producer for tvN’s 'Little Women'), Le Quoc Vinh (CEO of Vietnam's Le Group), and Peter Yap (Executive Director of Mary K. Yap Foundation)

Session 3 (Cooperation): Connecting ASEAN-Korea Cultural IP (14:35–15:45)  Moderated by Tara Gujadhur (Traditional Arts and Ethnology Centre, Laos), featuring Prof. Young Kyung Ko (author of 'ASEAN Super App Wars'), Zainol Haqim (CEO of Malaysia’s MyCreative Ventures), and Dirce Freitas Mendes (Timor-Leste National Tais Safeguarding Plan)

Session 4 (Youth): Co-Creating the IP Horizon (15:45–16:45)  Featuring Elijah Canlas (Gawad Urian Best Actor and star of the Philippine adaptation of 'Keys to the Heart'), alongside multinational youth creators presenting cross-border creative initiatives.

Beyond the Forum: Contemporary Art & Interactive CultureForum attendees receive exclusive access to the 7-day contemporary art exhibition “Gathering Point” (Nov 7–13), featuring prominent regional artists including the Philippines' Mark Justiniani, Leslie de Chavez, and Christina Quisumbing Ramilo, alongside Korea's Kim Joon and master artists from Thailand, Indonesia, and Malaysia. Visitors can also enjoy an on-site artist talk and commemorative photo booths featuring custom ASEAN-Korea frames.

Exclusive Attendee Privileges: Authentic Korean Dining, Grand Raffle & Free eSIMEvery registered attendee will enjoy curated hospitality and incentives:• Authentic Korean Luncheon: A complimentary premium Korean lunch box and specialized coffee break with traditional Korean rice cakes and refreshments.• Free High-Speed 50GB Korea Data eSIM: Every applicant who registers via joinenjoy.com.ph will instantly receive a complimentary 50GB High-Speed Korea Data eSIM voucher (usable upon booking the 'Best of Seoul' package via Korean Air).• Grand Finale Raffle Draw (4:45 PM): Attendees who participate through the closing ceremony become eligible for prizes including Samsung Galaxy Buds 3, Galaxy Fit3 smart bands, Dancheong mechanical Bluetooth keyboards, official rare BTS LP vinyls and tour albums, SEVENTEEN photobooks, and premium Sulwhasoo K-Beauty cosmetic sets.

Due to the intimate, high-level nature of the Ayala Museum Function Room, registrations are processed on a strictly curated, first-come, first-served basis. Early registration is essential.

About Island Resort Club Tour Services, Inc.

Established in the Philippines in 2002, Island Resort Club Tour Services, Inc. (IRC) is a premier MICE and destination management specialist with a proven track record in orchestrating high-level, bilateral governmental and corporate events adhering to rigorous state-level protocol standards. Notably, IRC spearheaded local operational management for the Korea-Philippines Business Forum, held on the occasion of the South Korean President’s state visit to the Philippines to commemorate the 77th anniversary of diplomatic relations.
IRC is a fully accredited travel agency licensed in the Philippines, South Korea, and Cuba, and is officially designated by the Ministry of Justice of the Republic of Korea to process Korean electronic visas (e-visas). Through its flagship platform, "Join Enjoy," IRC continues to lead bilateral cultural exchange, tourism, and business connectivity between the Philippines and South Korea.

The Future of HR Is Here: 4th HR e-Knowledge Summit 2026 Challenges Philippine Organizations to Lead the AI Revolution

The future of work is moving faster than traditional HR processes can keep up. As organizations face growing pressure to attract exceptional talent, retain high-performing employees, and improve operational efficiency, one question becomes increasingly important: Is your HR strategy ready for the AI era?

On October 23, 2026, HR Game Changers, powered by HR Calabarzon Group, Inc., will bring together HR professionals, business leaders, and people managers for the 4th HR e-Knowledge Summit 2026, a full-day learning experience designed to help organizations rethink how they attract, develop, engage, reward, and retain their people.

Taking place at the Garden Ballroom of EDSA Shangri-La Manila, Ortigas, from 9:00 AM to 6:00 PM, the summit will also offer an online participation option, making its insights accessible to professionals and organizations beyond Metro Manila.

Guided by its theme, “Lead with Clarity. Drive with Strategy. Empower Every Stage of the Employee Journey with AI,” the summit will explore how organizations can embrace emerging technologies while preserving the human judgment, leadership, and employee-centered values that effective HR demands.

The Cost of Standing Still: Why HR Must Evolve Now

For today's HR leaders, the challenge extends far beyond filling vacancies and processing employee records. Organizations increasingly expect HR to deliver measurable business value, anticipate workforce needs, strengthen employee experience, and help leaders make better decisions.

Yet repetitive administrative tasks, inefficient recruitment workflows, talent shortages, and employee retention challenges can prevent HR teams from focusing on the strategic work that matters most.

Artificial intelligence offers new possibilities—but meaningful transformation requires more than adopting another tool. It requires understanding where AI can make a difference, how to integrate it into existing processes, and how to ensure technology serves both business objectives and people.

The 4th HR e-Knowledge Summit 2026 is designed to help participants explore these questions through expert perspectives, practical discussions, and insights into the changing role of HR.

One Day. A Broader Perspective on the Entire Employee Journey.

Rather than treating AI as a standalone HR application, the summit examines opportunities across the employee lifecycle—from attracting candidates and onboarding new hires to developing talent, improving engagement, designing rewards, and retaining high performers.

Participants will explore strategies and emerging practices in:

AI and Human-Centric Transformation: Understanding how to integrate AI while keeping people at the center of organizational decisions.

Talent Acquisition and Talent Intelligence: Exploring smarter approaches to candidate sourcing, recruitment, onboarding, and future talent development.

Leadership, Engagement, and Employee Well-Being: Strengthening the people practices that support healthier, more productive workplaces.

Total Rewards and Employee Value Proposition: Rethinking how organizations attract, motivate, and retain talent.

Organizational Design, Culture, and the Future of Work: Preparing organizations to adapt to changing business demands and evolving workforce expectations.

HR as a Strategic Business Partner: Connecting people strategy with organizational performance, workforce transformation, and long-term business goals.

The program will feature industry voices including Francis Kong and other experienced HR and business leaders who will share perspectives on leadership, human-centric AI, talent management, and organizational transformation.

For attendees, the objective is clear: gain a broader understanding of the challenges shaping modern HR and identify ideas that can inform decisions back in their own workplaces.

Turn Learning Into a Competitive Advantage for Your Organization

Panelists From Left to Right: Vanessa  Michelle Cordero-Garcia, Pinky Diokno, Dr. Ronald Malicdem, Mikel Leroi Balansag

The summit is intended for professionals who want to strengthen their capabilities, challenge outdated practices, and prepare their organizations for the next phase of work.

Whether you lead an HR department, manage a growing business, oversee talent acquisition, or influence organizational strategy, the summit offers an opportunity to:

Identify HR processes that may benefit from AI-enabled solutions.

Explore ways to improve recruitment efficiency and talent decision-making.

Strengthen employee engagement and retention strategies.

Reduce repetitive administrative work and create more room for strategic initiatives.

Build a stronger understanding of the relationship between people, technology, leadership, and business performance.

Connect with fellow HR practitioners and business leaders facing similar workforce challenges.

AI is not a substitute for effective leadership. When implemented thoughtfully, however, it can help HR professionals make better use of their time, information, and capabilities.

That is the opportunity the summit seeks to bring into focus: not simply doing HR differently, but enabling HR to contribute more meaningfully to organizational success.

Bring Your Team. Multiply the Learning. Save on Registration.

Organizational transformation rarely happens through one person alone. Equipping HR colleagues, people managers, and business decision-makers with a shared understanding of emerging practices can help organizations move from individual learning to collective action.

To support team participation, the summit offers the following registration packages:

INDIVIDUAL PASS — ₱7,000

For HR professionals, practitioners, and business leaders investing in their professional development.

ONSITE TEAM PASS — ₱35,000 | 5 + 1 FREE

Bring six participants while paying for only five. Compared with six individual passes at ₱7,000 each, the package saves your organization ₱7,000.

ONLINE TEAM PASS — ₱20,000 | 5 + 1 FREE

Bring six participants online for ₱20,000, giving organizations a convenient option to learn together regardless of location.

Onsite participation will be subject to venue capacity. Organizations interested in face-to-face learning are encouraged to complete registration promptly and confirm availability.

The Countdown to a More Future-Ready HR Function Starts Now

With the summit taking place on Friday, October 23, the opportunity to bring together your HR team and explore the next generation of people strategy is approaching.

For HR professionals, the question is no longer simply whether the workplace will change. It is how effectively they can help their organizations navigate that change.

The 4th HR e-Knowledge Summit 2026 invites the Philippine HR community to move beyond reactive people management, embrace informed innovation, and strengthen the strategic role of HR in building future-ready organizations.

Lead with clarity. Drive with strategy. Empower every stage of the employee journey with AI.

Register now at https://hrcgihrgamechangers.com/

Choose your individual, onsite team, or online team package and secure your participation in the 4th HR e-Knowledge Summit 2026.

About HR Game Changers powered by HR Calabarzon Group, Inc.

HR Game Changers is an SEC-registered non-profit organization powered by HR Calabarzon Group, Inc. Founded on March 4, 2020, the organization is dedicated to uplifting the HR profession and transforming workplaces across the Philippines through education, professional development, partnerships, and community engagement. With a growing community of more than 18,000 HR professionals, HR Game Changers works to equip practitioners with the knowledge, leadership capabilities, and professional networks needed to champion people-first workplaces and drive positive change. Guided by its mission of growing people and hearts, one at a time, the organization continues to create learning opportunities that strengthen HR effectiveness, encourage collaboration, and advance the future of work. Learn more at https://hrcgihrgamechangers.com/

Skyro Partners with LenderLink to Strengthen Credit Assessment and Responsible Lending in the Philippines

 

 Skyro, an SEC-registered fintech platform in the Philippines, has joined LenderLink’s Credit Intelligence Network, gaining access to real-time credit insights from a growing network of financial institutions, while contributing its own consented borrower data to the network.

The partnership gives Skyro a broader view of borrowers' credit histories to support more accurate and comprehensive credit assessments.

The partnership comes as Skyro expands its role in Filipinos’ everyday financial lives. Following its recent brand refresh, Skyro is moving beyond financing individual purchases to providing financial solutions to everyday needs.

Since launching in the country in 2022, Skyro has issued more than three million loans, with products and services designed to support customers across more moments in their financial lives.

Access to more comprehensive and timely credit information can help lenders better understand borrowers' financial behavior, including those whose credit histories may not be fully reflected in traditional records.

Under LenderLink's consent-based model, borrower information is shared only with the requesting lender, and only when the borrower provides consent. This gives lenders additional context about how customers manage credit across different financial products, beyond what may be visible through their own records.

With access to a broader range of credit information, lenders can make better-informed assessments as customers use different financial products and services. For borrowers, this can mean their financial behavior is assessed using a more complete picture of their credit history.

“Skyro is evolving from a financing provider into a broader financial partner for its customers. That evolution makes access to timely, reliable credit intelligence even more important,” said Christo Georgiev, Co-Founder and CEO of LenderLink.

“We’re excited to have Skyro join the network and contribute to a stronger collective view of Filipino borrowers. By bringing together credit insights from participating institutions, we can help lenders to make better informed decisions and strengthen responsible lending across the industry.”

For Skyro, the partnership builds on its existing approach to technology-driven credit assessment. The company’s proprietary AI-driven credit decisioning model already combines traditional and alternative data with advanced analytics to support fast, carefully assessed credit decisions.

LenderLink's network provides another source of credit information that can complement Skyro's existing capabilities while its expanding product portfolio is designed to meet customers across more everyday financial needs.

“Responsible lending starts with understanding the customer,” said Nasim Aliev, Skyro Co-Founder and Co-CEO. “As Skyro grows into a broader financial partner, we want to keep improving how we understand credit behavior and serve customers responsibly. Through LenderLink, we can draw on more timely and comprehensive credit information to support better-informed lending decisions. At the same time, we're helping build a stronger credit information network that benefits the wider financial ecosystem.”

Today, the network connects 40+ contributing institutions and more than 45 million credit records, with over 1.5 million unique borrower records exchanged monthly. Through LenderLink’s secure, consent-driven infrastructure, participating institutions can access real-time credit data across multiple contributors through a single API.

As lending continues to move faster and customers increasingly use multiple financial products, the ability to see the bigger picture becomes increasingly important.

Skyro joining LenderLink is another step toward a credit ecosystem where better data is not held in silos, but becomes more useful when shared responsibly.

About LenderLink Inc
LenderLink is the Philippines' first real-time, consent-based credit data exchange, connecting a growing number of financial institutions across a shared pool of more than 45 million borrower records. LenderLink enables faster, fairer credit decisions by giving lenders secure, real-time visibility into borrower history, helping bring millions of underserved Filipinos into the formal financial system.

The platform is ISO 27001-certified, recognized by the Credit Information Corporation (CIC) as a Certified Technical Service Provider, and aligned with the Bangko Sentral ng Pilipinas Open Finance Framework (BSP Circular No. 1122). Backed by Kaya Founders, Manila Angel Investors Network (MAIN), and Iterative, LenderLink is building the infrastructure for faster, more informed and more collaborative credit decisions in the Philippines.

About Skyro
Skyro is a high-growth, digital-first fintech group delivering scalable, responsible financial access across high-potential emerging markets. Powered by proprietary data science, AI-driven credit decisioning, and alternative-data scoring, the company combines a mobile-native experience with modular fintech architecture to serve underserved client segments at scale.

As of 2026, Skyro has a registered user base of more than 7 million and a credit portfolio exceeding $200 million. The company's ambition is to become a leading full-spectrum financial services group across high-potential markets by combining capability proven at scale with a commitment to building each business around the needs of the market it serves.

CDC Explores Partnership with i4C.PH: Setting a New Standard for National Resilience in Clark, Pampanga

 

 Clark Development Corporation Joins i4C.PH 2026 National Resilience Summit as Resilience Partner. A summit on security, disaster resilience, and cybersecurity runs November 3 to 5 at SMX Convention Center Clark.

CLARK FREEPORT, PAMPANGA, September 28, 2026. The Clark Development Corporation (CDC) has joined the i4C.PH 2026 Summit as a Resilience Partner. CDC will encourage businesses operating in the Clark Freeport Zone to send delegates to the summit, which runs November 3 to 5 at SMX Convention Center Clark.

Clark hosts the summit as a region with a documented recovery record. The area rebuilt after the 1991 eruption of Mount Pinatubo and the departure of US forces from Clark Air Base later that year. It has since withstood the 2019 Central Luzon earthquake and repeated typhoon flooding, including Typhoon Carina in 2024.

i4C.PH integrates physical security and safety, disaster risk and crisis management, and cybersecurity into one scenario-based program. Each day covers one discipline:

November 3: Physical security and safety

November 4: Disaster risk and crisis management, including a specialized activity with CDC

November 5: Cybersecurity

"Crises spread across departments. An earthquake can cut power, the outage can open a door for an attacker, and the attack can slow down the response. i4C.PH trains the people who handle each part of that chain to work together before it happens," said Augustus Caesar Esmeralda, Founding Chief Convenor of i4C.PH.

The program includes simulations, training sessions, and hands-on exercises. Participants contribute to the National Resilience Protocol, a shared framework developed during the summit. Organizations can register delegates for single days or the full program, with group packages available for teams of three to ten.

Click here to register for the event. The full program is available at https://i4c.ph/.

About i4C.PH i4C.PH is a national platform for integrated security, crisis resilience, and digital trust in the Philippines. It operates as an event, a platform, a movement, and a protocol, built on the view that today's risks are systemic, cumulative, and interconnected. Learn more at https://i4c.ph/.

About Ace And Assiociates Risk Management, Inc.

Ace and Associates Risk Management, Inc. (AAA) provides asset protection and risk management consultancy services, with an emphasis on the convergence of all aspects of security from conception to implementation. The company describes itself as the only all-Filipino, independent security risk management and consulting firm that is globally certified in the Philippines. Its team combines globally accepted corporate best practices with knowledge of local conditions. AAA is one of the conceptualizers of i4C.PH, together with Resilient.PH and Security Matters. i4C.PH: Resilience Reimagined is a national, multi-sector platform that advances integrated security, crisis resilience and digital trust across the Philippines. It convenes leaders and practitioners from government, defense, public safety, critical infrastructure, industry, technology and academia around the convergence of physical security and safety, cybersecurity, and disaster and crisis management. The program follows the Resilience Programming Framework (RPF) from The Resilient.PH, a systems-based approach that treats resilience as a continuum from foresight and prevention through preparedness, response, recovery and long-term adaptation.

ASEAN-Korea Manila Forum to Tackle AI, Creativity, Cultural IP

 As artificial intelligence and hyper-digitalization fundamentally reshape global creative business models, how can Asian creators scale and safeguard their original intellectual properties? The Ministry of Culture, Sports and Tourism of Korea (MCST), the Korean Foundation for International Cultural Exchange (KOFICE), and the ASEAN Foundation will address this pivotal question at the “2026 ASEAN-Korea Innovative Culture Forum,” taking place on Saturday, November 7, 2026, at the Ayala Museum, Makati City.Framed around the urgent agenda, “On Human Creative Sovereignty: Shaping the Future of Imagination and Cultural IP,” this premier business and creative dialogue serves as a bridge connecting South Korea’s globally established IP monetization infrastructure with Southeast Asia’s rapidly expanding creative ecosystem. Taking center stage as the keynote speaker is Mr. Chang-seop Kim, General Director of NEXON’s MapleStory a pioneering Korean digital IP that has maintained peak commercial vitality and player engagement across Southeast Asia for over 20 years. Mr. Kim will dissect the strategic mechanics behind sustainable IP longevity, demonstrating how interactive gaming lore can seamlessly expand into global consumer brands, musical productions, immersive urban theme parks, and cross-platform merchandise. 

Designed to foster tangible cross-border enterprise, the forum features intensive sessions dedicated to creative IP licensing, digital copyright governance, startup scaling, and youth-led tech innovations. Senior cultural policymakers, IP attorneys, creative technopreneurs, digital agency heads, and startup incubators from Korea and ASEAN will evaluate actionable frameworks for establishing an equitable, open IP marketplace across the Asia-Pacific region.

Complementing the commercial discussions, the forum will officially inaugurate the contemporary art exhibition “Gathering Point” in the Ayala Museum Lobby, running from November 7 through November 13, 2026. Featuring groundbreaking installations by Mark Justiniani (Philippines), Kim Joon (Korea), Latthapon Korkiatarkul (Thailand), Ari Bayuaji (Indonesia), Adam Phong (Malaysia), and Imhathai Suwatthanasilp (Thailand), the week-long exhibition highlights the essential nexus between human artistic origin and industrial IP scaling.

Admission to this high-level forum is strictly by advance curated registration, catering to visual art professionals, museum curators, boutique hotel art managers, digital media creators, and tech innovators.

Accredited delegates will enjoy complimentary access to all keynote and panel sessions, comprehensive bilingual translation, an executive Korean luncheon buffet, and an interactive instant photo booth installation. To honor the commitment of delegates attending the full symposium from 10:00 AM to 4:30 PM, the organizers will stage a high-profile Grand Finale Raffle Draw during the concluding reception. Elite prizes include cutting-edge tech gear (Samsung Galaxy Buds 4, Galaxy Fit3, and JBL Bluetooth speakers), authentic K-pop memorabilia (official BTS and SEVENTEEN tour and vinyl albums), and premium K-Beauty collections.Registration is now accessible via the official online application form. Candidates are urged to register promptly to guarantee credentials.

Registration Information

Prospective attendees, arts and culture professionals, museum and gallery curators, creative technologists, and academic researchers may submit their applications via the official registration portal:

Registration Link:
Google Forms: https://forms.gle/Q4fUW5TLBXbK8oWSA
Website: https://joinenjoy.com.ph/
(Due to limited gallery capacity and curated seating assignments, early registration is highly encouraged.)

About Island Resort Club Tour Services, Inc.

Established in the Philippines in 2002, Island Resort Club Tour Services, Inc. (IRC) is a premier MICE and destination management specialist with a proven track record in orchestrating high-level, bilateral governmental and corporate events adhering to rigorous state-level protocol standards. Notably, IRC spearheaded local operational management for the Korea-Philippines Business Forum, held on the occasion of the South Korean President’s state visit to the Philippines to commemorate the 77th anniversary of diplomatic relations. IRC is a fully accredited travel agency licensed in the Philippines, South Korea, and Cuba, and is officially designated by the Ministry of Justice of the Republic of Korea to process Korean electronic visas (e-visas). Through its flagship platform, "Join Enjoy," IRC continues to lead bilateral cultural exchange, tourism, and business connectivity between the Philippines and South Korea.

This Filipino Startup Helps Local Businesses Bring Customers Back

 

GoBalik is making digital customer loyalty more accessible to Filipino small businesses, driven by the belief that these tools should not be reserved for big brands.

For many small businesses, attracting a customer is only the beginning. Giving that customer a reason to return can be just as important. Yet while established brands can invest in sophisticated loyalty programs, smaller merchants often have to find practical ways to build lasting customer relationships with more limited resources.

GoBalik, a Filipino-built digital loyalty platform, was founded around a simple belief: local businesses should have access to digital tools that help them encourage repeat visits, regardless of their size or budget.

“Local and small businesses should have access to digital tools like these, not just big brands,” said Ariel Josh Cariño, founder of GoBalik. “We want to make it easier for local businesses to give their customers a reason to come back.”

The platform helps merchants introduce digital loyalty programs through digital stamp cards and points-based rewards. Customers can access their loyalty cards through a mobile browser, without needing to download a separate application.

Accessibility is also reflected in GoBalik's free Starter plan, which allows eligible businesses to begin using digital loyalty tools without a recurring subscription fee. Merchants can start with the features included in the plan and explore additional capabilities as their needs evolve.

Bringing Digital Loyalty Into Local Businesses

For smaller businesses, digital loyalty is not just about replacing paper stamp cards. It can also make rewards easier to manage and give customers a straightforward way to track their progress toward a reward.

Let's Bean Coffee, a family-owned coffee business serving students at the University of the Philippines Los Baños, is one example of a local merchant using GoBalik to support its customer loyalty efforts.

In a video testimonial, the merchant shared that GoBalik helps with customer retention, makes loyalty progress easier to track, and makes it easier for customers to return and claim their rewards.

The experience illustrates how digital loyalty tools can support the everyday relationship between a local business and its customers. Rather than requiring merchants to build their own loyalty systems, GoBalik provides a platform they can use to manage rewards and customer engagement.

Growing Across the Philippines

Since beginning its beta rollout in April 2026, GoBalik has been building a network of registered merchants in different locations across the Philippines.

As of October 16, 2026, the platform's internal dashboard recorded 354 registered merchants, 8,298 customers, and 21,856 visits. These figures provide a snapshot of the platform's reach and activity as it continues developing tools for local businesses.

For Cariño, the goal extends beyond digitizing stamp cards. It is about making customer loyalty technology a practical option for Filipino micro, small, and medium enterprises (MSMEs) that want to build stronger relationships with their customers.

By offering a free entry point and a shared platform for managing rewards, GoBalik aims to give smaller businesses an opportunity to explore digital customer engagement without the cost and complexity of developing their own systems.

The company's guiding motto captures that mission: “We Bring Customers Back.”

About GoBalik

GoBalik is a Filipino-built digital loyalty platform designed to help businesses encourage repeat visits through digital stamp cards, points-based rewards, and merchant management tools. With a mission to make customer loyalty technology more accessible to Filipino MSMEs, GoBalik offers a free Starter plan alongside additional subscription options.

For more information, visit https://gobalik.com/.

About GoBalik Technologies OPC

GoBalik Technologies OPC is a Filipino technology company behind GoBalik, a digital loyalty platform that helps local businesses encourage repeat visits and build lasting customer relationships. Guided by the belief that digital business tools should be accessible to small businesses, GoBalik aims to make customer loyalty technology more accessible to Filipino MSMEs. Its motto is “We Bring Customers Back.”

Company website: https://gobalik.com/

Brand page: https://gobalik.com/brand

On Home Security: Not Every Home Security Plan Is the Same

Home Security Starts With a Risk Assessment, Not a Shopping List, Says Resilience Expert Ace Esmeralda

On The Commanders, Esmeralda explained that families should look at their own vulnerabilities before buying cameras and locks.

“If you don’t do risk assessment, all your remedial measures are baseless,” security and risk management executive Augustus Caesar “Ace” Esmeralda said on the September 24 episode of The Commanders, a public service program on Bilyonaryo News Channel hosted by retired Brig. Gen. Jean Fajardo and retired Rear Adm. Armand Balilo.

Esmeralda compares a home risk assessment to a medical checkup. Just as a doctor diagnoses a patient before giving medicine, homeowners should find their property's weak spots before buying security products.

Your location determines your risk.

The assessment looks at both the house and its surroundings. The types of threats depend on whether your home stands alone in an open village, is inside a gated subdivision, or is a condo unit. "The environment determines your risk level," Esmeralda said. Free-standing homes usually face threats from outside, while condo residents may have risks from within the building.

Because of this, he warns against using another community's risk assessment for your own home. "You can't just copy and paste the threat from one subdivision onto your own house," he said. For example, if a house already has dogs that bark at strangers and a bright streetlight outside, the family can spend their budget on CCTV instead of more perimeter security.

The assessment should also cover natural hazards, like slopes that could have landslides, areas that flood quickly, or nearby fault lines. Esmeralda said that a household should protect three things in order: the people, the property, and the family's ability to recover, which he calls resiliency.

Whoever leads the family, single parent or not, should share the findings with everyone at home. "You all have to be on the same page, because then you'll know that 'this is the threat to us'," he said.

Neighbors are part of the plan

Fajardo recalled the defense plans she and Balilo made in the armed forces, and Esmeralda said that homes work the same way. Resilience starts with each family member, then the whole household, and then the neighbors. If neighbors know the family, they will watch the house when it is empty and report any strangers who seem suspicious.

This also applies when a family member waits outside for a tricycle. "Sila ang titingin," he said about the neighbors. Tricycle drivers can also help by watching for suspicious people. Even neighborhood gossip, or the "marites" custom, can be helpful if someone talks about a person hanging around a house.

Fajardo said she tells barangay tanods that people who treat their neighbors badly should not expect help in an emergency. Esmeralda added that since floods and earthquakes affect whole villages, neighbors will need each other.

Technology works only when people use it correctly

A house with cameras everywhere is not secure if no one checks the footage. "It just becomes a recording studio," Esmeralda said. The videos are only useful as evidence after a crime. To prevent crime, cameras should be visible and have a sign saying the property is under surveillance. In properties he managed, Esmeralda required operators to watch the screens.

The sign lets people know their personal data is being recorded, since a face on camera counts as personal information under the Data Privacy Act of 2012. Owners should point cameras away from public areas and neighbors' properties. Esmeralda said that disputes about cameras aimed at a neighbor's bedroom still go to court.

People are always the strongest and weakest part of any system. If a family member shares their PIN with a boyfriend who then tells his friends, the smart lock is no longer secure. Esmeralda compared this to posting your Wi-Fi password in public.

Drill for each scenario, and update the plan

Every situation, like a fire, earthquake, or flood, should have its own drill. Children should know where the fire extinguisher and first aid kit are. Fajardo noted that people often go back into a burning or flooded house to get their things, but Esmeralda said that life should always come before property.

Infants, bedridden relatives, and family members who use wheelchairs cannot leave on their own, so the plan should assign someone to help them during an earthquake or flood. As children grow, drills should change so each child has age-appropriate tasks.

You should reassess risks whenever your surroundings change. Esmeralda said that companies sometimes lose their assembly areas to new buildings, and homes can have similar problems if new buildings go up nearby or if roadwork causes flooding.

Keep contacts current and tested

A family group chat can warn everyone to avoid a flooded street or alert them to problems at home. Each phone should have the numbers for the barangay, police, and fire station saved, and someone should check if these numbers work. "I-try, subukan kung nagri-ring talaga" (Try it, test if it really rings), he said. Numbers from billboards might not be valid, and if a phone has no credit, you need a backup way to call from a landline.

With the southwest monsoon happening now and a possible strong El Niño coming, Esmeralda said that household risks will keep changing. Economic stress can also lead to more crime, even inside homes. He recommends starting with a risk assessment, finding specific threats, and planning how to respond and recover. "For me," he said, "home security is also about family resiliency."

From one household to a whole community

Esmeralda's approach starts with one family, but the same questions apply to subdivisions, condos, and barangays. The i4C.PH 2026 national summit on security, disaster resilience, and cybersecurity will discuss these topics from November 3 to 5 at the SMX Convention Center in Clark, Pampanga.

Homeowners and parents can join on November 4, which focuses on disaster risk and crisis management with simulations and practical exercises. Homeowners' association officers, condo property managers, and barangay officials can bring their teams for all three days, with group rates for three to ten people.

Click here to register for i4C.PH

You can find the full program at the i4C.PH Website. To stay updated about the summit and get practical tips, subscribe to the i4C.PH newsletter 

Augustus Caesar Esmeralda is both the Editor-in-Chief of SecurityMatters and the Founding Chief Convenor of i4C.PH.

About Ace And Assiociates Risk Management, Inc.

Ace and Associates Risk Management, Inc. (AAA) provides asset protection and risk management consultancy services, with an emphasis on the convergence of all aspects of security from conception to implementation. The company describes itself as the only all-Filipino, independent security risk management and consulting firm that is globally certified in the Philippines. Its team combines globally accepted corporate best practices with knowledge of local conditions. AAA is one of the conceptualizers of i4C.PH, together with Resilient.PH and Security Matters. i4C.PH: Resilience Reimagined is a national, multi-sector platform that advances integrated security, crisis resilience and digital trust across the Philippines. It convenes leaders and practitioners from government, defense, public safety, critical infrastructure, industry, technology and academia around the convergence of physical security and safety, cybersecurity, and disaster and crisis management. The program follows the Resilience Programming Framework (RPF) from The Resilient.PH, a systems-based approach that treats resilience as a continuum from foresight and prevention through preparedness, response, recovery and long-term adaptation.

Cebuana Lhuillier Brings the Gold Standard of Excellence Closer to Its People Through ORO 2026

 

 Cebuana Lhuillier has long recognized that its people drive its mission of financial inclusion every day. To further strengthen this culture of recognition, the company introduced the ORO Regional Awards 2026, its first regional recognition platform covering all nine regions and bringing the Gold Standard of Excellence closer to the Ka-Cebuanas who embody it.

Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, highlighted the importance of recognizing employees across the organization: “ORO marks an important step in our longstanding recognition tradition, bringing recognition closer to our nine regions and honoring the Ka-Cebuanas whose dedication and hard work contribute to our success every day.”

Named after the Spanish word for gold, ORO represents excellence built over time through dedication, hard work, perseverance, loyalty, and meaningful contributions. The program brings recognition closer to Ka-Cebuanas across all nine regions, celebrating the people whose efforts drive the company’s performance and make a difference in the communities they serve.

The pilot run of ORO Regional Awards 2026 covers all nine regions, recognizing Ka-Cebuanas across categories ranging from 10- and 15-year service milestones to the Regional Manager (RM) Cup. The RM Cup underscores the Regional Manager’s role not just as a leader, but as a mentor who inspires excellence, nurtures talent, and recognizes the people who bring out the best in their teams.

It celebrates leadership that sees potential, encourages growth, and brings out the best in people. Other categories include special performance awards, individual achievements, branch and area distinctions, customer experience, community impact, and overall regional performance.

Jose Miguel Jimenez, Senior Vice President and Branch Sales Group Head, emphasized the importance of recognizing employees where the company’s mission is carried out every day: “ORO brings recognition closer to where our mission comes to life every day—in our branches and the communities we serve. It is here that our people make a direct impact, making it important to celebrate their contributions where they happen.”

Beginning in 2027, ORO will also serve as the pathway to the Brillo Awards, Cebuana Lhuillier’s national stage for excellence established in 2009. This gives outstanding regional performers the opportunity to advance to the national level, making regional achievements an important part of the company’s broader recognition program.

Through ORO, Cebuana Lhuillier continues to strengthen its culture of recognition and commitment to employee engagement. By celebrating achievements across its nine regions, the company affirms that the Gold Standard of Excellence is built through the people whose dedication, consistent performance, and meaningful contributions drive its success and advance its mission of financial inclusion.