Inclusive Finance - Financial Education
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Financial Education and Consumer Protection Campaigns
Whether you're a retiree, an Overseas Filipino Worker (OFW), or simply managing your daily finances, knowing your rights, options, and risks is the first step toward financial security.
(Kung ikaw man ay retirado, OFW, o nagba-budget araw-araw, mahalagang alam mo ang iyong mga karapatan, mga pagpipilian, at mga panganib. Ito ang unang hakbang para mapangalagaan ang iyong pera.)
✅ Start Protecting Your Money!
Simulan ang Pagprotekta sa Iyong Pera!
⏬ Get Financially Smart Now
Maging wais sa pera ngayon
📌 Coming soon: Quick Self-Check Quiz: "Are you a smart financial consumer?"
Mabilisang Quiz: "Wais ka bang gumamit ng pera?"
📞 Need Help? Contact Us Now!
Helpline & Financial Consumer Protection resources
Other PYM Resources
PYM display frame
Click below to learn:
I-click ang button sa ibaba para matuto tungkol sa:
Understand your financial rights and how to seek help.
Alamin kung ano ang mga karapatan mo pagdating sa pera at kung paano humingi ng tulong kapag may problema.
Explore savings, loans, investments, and digital transactions.
Tuklasin ang mga opsyon sa pag-iipon, pautang, pag-iinvest, at paggamit ng digital na pera o e-wallet.
Stay ahead of scams, fraud, and financial pitfalls.
Matutong umiwas sa mga scam, panlilinlang, at iba pang delikadong gawain na puwedeng makaapekto sa iyong pera.
Updates to BSP Memorandum No. M-2013-038 (Protect Your Money Campaign Refresh)
Download the Protect Your Money (PYM) posters and art card:
Protect Your Money
Maging smart financial consumer!
Pwede kang mag-credit card, pero bago mag-swipe, alamin ang options mo at unawain ang terms at risks nito para sa responsableng panghihiram at pagbabayad.
#ProtectYourMoney
#IKnowMyRights
#IKnowMyOptions
#IKnowTheRisks
#IAmASmartFinancialConsumer
Think before you swipe!
Bago gamitin ang credit card, tanungin muna ang sarili:
✅Kailangan ko ba talaga ito?
✅Dapat ko na ba itong bilhin ngayon? O pwede pang pag-ipunan?
✅Kaya ba ng budget kong hulugan ang bayad at interes?
#ProtectYourMoney
#IKnowMyRights
#IKnowMyOptions
#IKnowTheRisks
#IAmASmartFinancialConsumer
Kung pasok sa budget ang monthly payment ng credit card, alamin din ang interest, fees, at charges nito.
Siguraduhing malinaw ang total cost at promo ng bibilhin, lalo na kung installment ang pagbabayad.
Kung magka-isyu sa bayaran, tandaan:
✅Mayroon kang right to fair debt collection. Bawal ang harassment at pananakot sa paniningil!
✅Kung hindi sapat ang tugon ng bangko sa iyong concern, dumulog sa Bangko Sentral.
✅Makipag-ugnayan agad sa iyong bangko para isangguni ang angkop na payment arrangement.
#ProtectYourMoney
#IKnowMyRights
#IKnowMyOptions
#IKnowTheRisks
#IAmASmartFinancialConsumer
⚠️ Nakakatulong ang credit cards sa pag-manage ng budget, pero may risks tulad ng online scams at phishing.
Para iwas-scam:
📌 Huwag sabihin ang card number, CVV, OTP o password sa iba!
📌 I-double check ang sender at huwag mag-click ng kahina-hinalang link sa email o text.
📌 I-monitor kung may unauthorized transactions sa official channel o app
Para iwas-penalties:
📌 Gumastos ayon sa kakayahan.
📌 Alamin ang due date at total amount due
📌 Magbayad on time para iwas-interest at penalties
📌 Iwasan ang minimum payment lang dahil mas tatagal ang utang at mas lalaki ang interest.
#IKnowMyRights
#IKnowMyOptions
#IKnowTheRisks
#IAmASmartFinancialConsumer
The BSP implements a Digital Literacy Program as part of our financial education advocacy. The Program aims to increase public trust and confidence in the digital finance ecosystem and encourage massive usage of digital financial services (DFS) by consumers across all sectors - individuals, corporations, businesses, and even government institutions. Through strategic communication campaigns, consumers are informed and educated to generate familiarity with DFS; reduce their vulnerability to usage errors, scams and frauds; mitigate risk of loss; protect consumer welfare; and ensure positive customer experiences and outcomes.
A component of this Program is the #Safe at Home with E-Payments Campaign to promote usage of e-payment solutions such as PESONet and InstaPay during the COVID-19 pandemic and beyond. Communication materials are developed and delivered through social and traditional media, and shared with fintech and banking industry associations for utilization in their own information drives. Another component of the Program is a Cybersecurity Awareness Campaign to ensure that financial consumers remain vigilant in practicing appropriate cyber hygiene to protect their accounts and online transactions. These Campaigns are implemented with support from the United States Agency for International Development, particularly the E-PESO Project. A unified set of digital literacy and cyber security messages, when amplified together with key stakeholders, increases recall and resonates more widely among Filipinos, bringing us closer to our shared goal of a cash-lite society.
Watch:
The Customer Centricity Campaign (C3) is a joint initiative of the Consumer Protection and Education Committee (CPEC) under the Financial Sector Forum (FSF) which serves as platform for inter-regulator coordination. C3 is a multi-sectoral and long term campaign to advocate customer centric business conduct among financial institutions supervised by the BSP, Insurance Commission, Philippine Deposit Insurance Corporation and Securities Exchange Commission. Through C3, financial institutions are encouraged to practice customer centricity – a way of doing business that focuses on positive customer outcomes and experiences. A customer centric financial institution puts the needs and welfare of its customers in mind when designing products and services; when making policy and investment decisions; and by increasing efficiency in all aspects of its operations, including effective redress. Customer centric business conduct can drive customer loyalty, enhance company reputation, and consequently impact on profitability.
Created:10/20/2020 11:36 AM by:
Rhodawynn Concepcion Obillo-Segun
Modified:3/11/2026 10:03 AM by:
Rhodawynn Concepcion Obillo-Segun
