Eng Sheng Guan, CEO of Fiuu
The Philippines’ digital payments market has expanded rapidly. InstaPay processed a record 4.7 billion transactions in 2025, while QR Ph person-to-merchant payments reached 2.5 billion, reflecting how deeply digital transactions are becoming part of everyday commerce.
As that foundation matures, the next shift may be less about getting consumers online and more about what happens when artificial intelligence (AI) begins to play a larger role in the purchase journey itself.
Often described as agentic commerce, the model could allow AI tools to move beyond helping consumers search and compare, as well as support such actions as placing an order or initiating payment within instructions set by the customer.
