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Globe, Cebuana Lhuillier, Mynt Sign Strategic Partnership for PH Financial Inclusion

By on November 16, 2016

Manila, Philippines – In a bid to further push financial inclusion in the country, Globe Telecom, Cebuana Lhuillier and Mynt inked a memorandum of agreement that will pave the way for several initiatives combining the products and services of the three companies.


(L-R): President and CEO of Globe Telecom Ernest Cu, President and CEO of PJ Lhuillier Jean Henri Lhuillier and President of G-Xchange Inc. Albert Tinio

The tripartite partnership was signed by Globe President & CEO Ernest Cu, Cebuana Lhuillier President & CEO Jean Henri Lhuillier, and G-Xchange President Albert Tinio. G-Xchange is a subsidiary of Globe Telecom’s wholly-owned financial services unit Mynt.

“The idea is to disrupt the traditional banking system of having to personally go to a bank, fill out forms, fall in line and pay for bills or deposit money. This initiative will create an avenue for the companies to leverage on each other’s strengths and capabilities to create a better financial system for the consumers,” said Cu.

Meanwhile, Lhuillier stated, “This undertaking is a great opportunity to address the financial concerns of many Filipinos, especially those in unbanked and underbanked communities which is very aligned to what we do as a company. I am glad that Cebuana Lhuillier, together with Globe and Mynt, is taking this big step to revolutionize the way we serve our mutual clients. I am certain that this partnership will positively impact the lives of many individuals.”

Most of the initiatives involve GCash, a micro-payment service operated by G-Xchange. Already commercially available, one of the projects allows GCash customers to perform cash-in and cash-out transactions in any of Cebuana Lhuillier’s 1,800 branches nationwide. Also being developed are systems that would enable GCash accounts to submit payments for Fuse loans and accept proceeds of international remittance. Other projects in the works include the vice versa conversion of rewards points under the loyalty programs of Globe and Cebuana Lhuillier, cross-selling of Cebuana Lhuillier’s microinsurance product, development of donation channels for Cebuana Lhuillier’s chosen beneficiaries, real-time posting of Globe Bills, reselling of Globe AMAX, a mass market postpaid product, and other innovations that that would make financial services more conveniently available.

In addition to the commercially available products and services, the partnership will also yield business-to-business solutions and other initiatives catering to internal stakeholders.

During the official announcement of the partnership, all three companies emphasized the need for innovative offerings, the value of convergence and the importance of technology in order to achieve financial inclusion.

Globe is a telecommunications company with a mobile subscriber base of about 65 million, while Cebuana Lhuillier is a micro-financial institution that has over 1,800 branches in the Philippines, and Mynt is a FinTech startup wholly-owned by Globe and offers a range of key financial services.

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Babies and Children | Home and Garden

Creating A Fun Child’s Room

By on November 10, 2016

If you have young children, then you know that they like certain designs in the bedroom, such as a favorite cartoon character or a favorite animal. It’s easy to remodel a child’s bedroom in most homes as this is often one of the smallest rooms in the house and doesn’t usually require a lot of intricate details that need to be added. You can get a quote now from a contractor who can give you design ideas about painting, flooring and the larger items that you want to add to the room.

home renovation

One of the first things that you want to do is to make a plan for the room. You need to figure out what colors to use and the features that you want in the room. The child should have an input as to the decorations that are used so that it feels more like a personal space instead of a simple remodeling project. When it comes to the flooring, you might want to install laminate flooring instead of carpeting as this will be easier to clean if you plan on letting the child eat or drink in the room. A small table with a chair or two would be an idea so that the child has somewhere to eat a snack, color, put a puzzle together or read a book.

Girls sometimes like bright colors while boys often enjoy the darker colors, like blue or red. If you want to add carpet to the room, then consider polka dots on the floor that are made with circles of carpet. Other features in the room could match the polka dots as a fun theme. When it comes to helping children stay organized, you want to keep baskets, cabinets and drawers at their level. If they can’t reach anything in the room, then you’ll find that toys and clothing will be scattered about instead of placed where it’s supposed to go when the child gets done playing or changing clothes. TO help prevent children from drawing on the wall, add a chalkboard along one wall surface. The child can draw and erase without making a mess on any other area of the room as the child will know that this is a safe area to create art.

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Hobbies and Interests

Self-Defense Basics: What Every Citizen Should Know

By on November 9, 2016

For the most part, you probably walk around the area where you live, work and spend time with friends and family without worrying about safety. The problem is that you never know when an unsafe situation is going to spring up around you.


From somebody trying to break into your home, to a person trying to take your wallet or purse on the street, sadly there are many people that want to bring you harm in some way. As a citizen, you need to know how to protect yourself.

While you may never have military training and the ability to protect yourself in all situations, that isn’t something the average person needs. What you need to know is how to get out of bad situations safely.

Keep reading to learn more about self defense and how you can make sure you and your family stay safe.

Survey Your Surroundings

When you enter a room or go into a new situations, whether you’re alone or with your family, one of the smartest things you can do is to quickly survey your surroundings. You don’t need to scope everything out like a military sniper, but knowing where the exits are is always wise for general safety.

The same is true of your home. Knowing where your emergency exit points are, as well as the potential weak points where intruders could enter your home, is generally a smart thing to do.

Don’t get caught unaware of your surroundings or of how intruders could get into your home without being invited. Make sure your alarm system is up to date and used properly as well.

Know Self Defense Tools

Self defense weapons that are legal like pepper spray are smart for many people to carry. While you probably don’t need to be carrying a gun – and you likely can’t unless you’re in an open carry state – being able to protect yourself is important.

Hopefully you’ll never have to use any of the self defense weapons designed to keep people safe on the streets and in their home.

Take Self Defense Classes

One of the best things you can to do protect yourself is to take self defense classes. From karate to basic training, knowing a little bit of hand to hand combat can really make a huge difference in your confidence and ability to protect yourself.

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