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App offers professional pasabuy service for malls

An app, mymall, that offers a pasabuy service for 39 malls in Metro Manilawas launched on March 2. The Philippine quick commerce company has professional shoppers trained to shop in its customers’ stead, according tomymall co-founder Shahab Shabibi.

Mr. Shabibi, who also started the errands app MyKuya, said that there is no limit to the number of stores within a mall one can request a shopper to make a purchase from. Glorietta, Uptown Mall, SM Mall of Asia, Araneta Mall, SM San Lazaro, Alabang Town Center, and Festival Mall are some of the malls included in the app. 

“Whenever I go to the mall, I drop by the grocery, the pharmacy… People typically shop in two to four stores [when they go to malls]. We’re here to make the same thing happen,” he said. 

The app’s professional shoppers, who are a mix of gig workers and full-time employees, come from the service providers and manpower agencies the company partners with. 

Among this group are former merchandisers and promodizers – people who worked in malls before, were laid off because of the COVID-19 pandemic, and have now been trained to know which exact items to pick for the app’s customers. 

Other features of the service include a single fee of P79 (sans markups or hidden charges), in-app voice and video calls with one’s personal shopper to check for updates, and the option to have the purchased items delivered later in the day. 

“It doesn’t take an hour to place an order. Just give your list the way you would, then you will get it exactly that way,” Mr. Shabibi said as he received several items that he bought through the app during the hour-long press conference. 

Payments are coursed through the app’s MyKoins, which unifies payment methods like credit cards and e-wallets into a single system.

The maximum weight per transaction is pegged at 15 kilos for now.

“We look forward to adding delivery methods like cars or vans,” Mr. Shabibi said, noting that the app was already preparing to expand to the greater Manila area, Cebu, and Davao.

Critical to mymall’s growth is its goal to “delight” customers. 

“If people love the service, if they see how much money and time they save, they’ll be telling other people,” said Mr. Shabibi. “We will grow if our customers want us to.” — Patricia B. Mirasol

First Atkins Holdings Corp. unveils largest cold storage facility in South Luzon

In photo (from left to right) are Deputy CEO Hillary Kay L. Ang, DTI Assistant Secretary Atty. Claire Cabochan, Hon. Mayor of Naic Junio Dualan, Deputy Director-General and PEZA Zone Administrator Atty. Norma Tañag, First Atkins Holdings Corp. Chairman & CEO Engr. Gabriel J. Ang, PNB Capital President Gerry B. Valencia, Ms. Lulu Chua, Rolando J. Ang, Management Trainee Gavin Christian L. Ang, Level & Details Devp. Corp. President Marissa Ducat, Atkins Group COO Jun DeAcosta, and Atkins Group CFO Myk Gamora.

Starting its expansion in strategic agricultural areas in the Philippines, First Atkins Holdings Corp. (FAHC) launched its newest cold storage facility in South Luzon that aims to help address food security.

Last Feb. 28, 2022, the company held a ground-breaking ceremony on its sixth cold storage facility, housed in a one-hectare property in Cavite Technopark in Naic, Cavite — an industrial zone owned and developed by listed company Ayala Logistics Holdings.

The said cold storage, costing about a billion pesos, has the capacity to store up to 14,000,000 kilograms (kgs) or 14,000 metric tons (MT), making the facility the largest in the South Luzon area. Also, the company partnered with the local Public Employment Service Office (PESO) to bring in more than 100 jobs, which is hoped to help propel the local economy in the area.

The new cold storage is part of FAHC’s goal in the next 10 years to build additional five more cold storage strategically located in the rich-producing agricultural areas in the country. For FAHC, building more cold storages is their solution to food security, which has been regarded a long issue due to scarcity of cold storage facility that can house produced agricultural products.

FAHC, through subsidiary Atkins Import and Export Resources, Inc., has been in the business of importation and distribution of meat product since 2006. Prior to the new facility in Cavite, the company operates five cold storage facilities in Meycauayan, Bulacan, which altogether have a total combined capacity of 13,000,000 kgs or 13,000 MT. The new facility in Cavite is projected to increase the total combined capacity to about 65,000,000 kgs or 65,000 MT.

In addition, FAHC is currently working on building a facility powered by a sustainable energy source like solar power through another subsidiary, First Atkins Power Gen Corp. The proposed solar power facility is expected to generate at least one megawatt, which is about 50% of supply requirement. Once operational, the facility is expected to significantly reduce carbon footprint and lower cost of operation.

 


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Hong Kong transport operators, supermarkets cut services as COVID cases surge

 – Hong Kong‘s subway operator, bus companies and one of the city’s biggest supermarket chains said they were reducing services this week due to a worsening COVID-19 outbreak that has seen daily infections explode since early February.

The latest strains came as Hong Kong authorities clung firmly to their “dynamic zero” coronavirus strategy which, like mainland China’s seeks to curb all outbreaks at any cost.

The global financial hub’s Transport Department said 98 bus routes would be suspended with operators facing critical manpower shortages.

A rise of infected people coupled with a drop in customers due to stringent social distancing measures made it hard to maintain operations, it said in a statement late on Wednesday.

The city’s subway operator MTR Corp 0066.HK, known for its efficiency, said on Thursday it would cut services on eight lines because of staff shortages and a sharp drop in customers.

“We have been striving to maintain train service despite the worsening COVID-19 situation. However, the latest development of the pandemic is affecting the manpower for daily operations,” it said on its website.

ParknShop, one of the city’s largest supermarket chains, said it was shortening opening hours for more than 200 outlets to protect its staff and customers. Some stores would close as early as 3 p.m., it said.

Since the pandemic began in 2020, the tally of infections in the Chinese-ruled city stands at more than 290,000, with a death toll of about 1,100.

About 700 of those deaths have been in the past week, with the majority unvaccinated people.

Health experts from the University of Hong Kong estimated about 1.7 million people were already infected by Monday, with the coming week expected to bring a peak of about 183,000 daily infections.

There has been widespread confusion and chaos among many residents this week due to the government’s mixed messaging over whether a city-wide lockdown would take place and the almost daily tweaking of coronavirus rules.

Hong Kong‘s international reputation had been “very damaged” by the confusing messages, creating alarm, said prominent businessman and government adviser Allan Zeman. – Reuters

Japan set to extend coronavirus limits, ease border rules

PEOPLE wear face masks at Shinagawa station during the rush hour in Tokyo, Japan, April 20, 2020. — REUTERS

 – Japan is set to loosen border controls to allow more people to enter the country, especially students, while extending infection control measures to limit the spread of the coronavirus in several areas, including Tokyo.

Prime Minister Fumio Kishida will raise the number of people who can enter Japan to 7,000 a day from 5,000 at present, while students will be exempted from the daily intake and considered in a separate category, media reports said.

The move will extend an easing of the country’s strict border measures earlier this week that opened the doors to more students and foreign workers amid criticism from business leaders and educators.

Kishida is set to announce the new measures, along with an extended coronavirus quasi-emergency, at a news conference at 7:00 p.m. local time (1000 GMT).

Some 150,000 foreign students have been kept out of Japan since 2020, along with workers desperately needed by an ageing nation with a shrinking population, prompting warnings of labour shortages and damage to Japan‘s international reputation.

While the number of new coronavirus cases has started to fall, hospitals remain under stress as they battle the Omicron variant of COVID-19. February was also the deadliest month of the pandemic so far, with 4,856 fatalities, a tally by national broadcaster NHK showed.

The central government has received requests from five prefectures, including Kyoto and Osaka in western Japan, to extend infection control measures set to expire on Sunday, chief cabinet secretary Hirokazu Matsuno said on Wednesday.

Ten other prefectures, including Tokyo, are expected to seek an extension of two to three weeks of measures that include shorter business hours for restaurants and limits on alcohol sales, local media reported.

Kishida is also expected to address the issue of Russia’s invasion of Ukraine. Japan has joined with overseas allies to slap sanctions on Russia, and Kishida said on Wednesday the country is also ready to take in Ukrainian refugees.

Separately, discount Japanese retailer Pan Pacific International, formerly Don Quijote Holdings, said on Thursday it would accept 100 refugee families from Ukraine. It did not provide any further details. – Reuters

BW Insights | Digitally Upskilling the Workforce

In enabling digitalization in an organization, it is not enough to simply integrate technological solutions in the processes or inventories. Employees must be equipped with the skills that match a more digitalized setup of their businesses.
Watch the replay of TCS Philippines’ and BusinessWorld Insights’ “Digitally Upskilling the Workforce” online forum to learn the importance of having the right digital skills and how businesses ensure that their people are adequately equipped with the skills they need in the now normal.

This session of #BUSINESSWORLDINSIGHTS is supported by the British Chamber of Commerce Philippines, Management Association of the Philippines, Philippine Chamber of Commerce and Industry, and The Philippine STAR.

Russian troops enter strategic Black Sea port city of Kherson, mayor says

Cropped from screenshot of Google Maps.

 – Russian troops are in the Ukrainian city of Kherson and forced their way into the council building, the mayor said after a day of conflicting claims over whether Moscow had make the first major gain of a city in its invasion that began eight days ago.

Moscow’s attack on its neighbour has yet to overthrow the government in Kyiv but thousands are thought to have died or been injured and it could cause another deep hit to the global economy still emerging from the coronavirus pandemic.

The biggest attack on a European state since 1945 has caused over 870,000 people to flee, led to a barrage of sanctions against Russia, and stoked fears of wider conflict in the West unthought-of for decades.

The Black Sea port of Kherson, a southern provincial capital of around 250,000 people, is strategically placed where the Dnipro River flows into the Black Sea and would be the first significant city to fall into Moscow’s hands.

Russia’s defence ministry said on Wednesday morning it had captured Kherson but several hours later an adviser to President Volodymyr Zelenskiy responded that the Ukrainian side was continuing to defend the location.

Late on Wednesday, Mayor Igor Kolykhayev said Russian troops were in the streets.

“There were armed visitors in the city executive committee today,” he said in a statement. “My team and I are peaceful people – we had no weapons and there was no aggression from our side.”

“I didn’t make any promises to them… I just asked them not to shoot people,” he wrote.

Russia calls its actions in Ukraine a “special operation” that is not designed to occupy territory but to destroy its neighbour’s military capabilities and capture what it regards as dangerous nationalists. It denies targeting civilians. – Reuters

Ukraine’s tech diaspora races to mobilize Silicon Valley in war with Russia

 – Ukrainians working at Western tech companies are banding together to help their besieged homeland, aiming to knock down disinformation websites, encourage Russians to turn against their government and speed delivery of medical supplies.

They are seeking, through email campaigns and online petitions, to persuade firms such as internet security company Cloudflare Inc NET.N, Alphabet Inc’s Google GOOGL.O and Amazon.com Inc AMZN.O to do more to counter Russia‘s invasion of Ukraine.

“Companies should try to isolate Russia as much as possible, as soon as possible,” said Olexiy Oryeshko, a staff software engineer at Google and a Ukrainian American. “Sanctions are not enough.”

He was one of nine tech activists interviewed by Reuters who are of Ukrainian heritage or are Ukrainian immigrants and are responding to a call by Kyiv to form a volunteer “IT army”. Read full story

Many companies have severed Russian ties due to new government trade curbs, but the activists are demanding more.

They are appealing to cybersecurity companies in particular, asking them to drop Russian clients, especially publishers of what they say is disinformation. If that happens, the publishers would be more vulnerable to online attacks.

Igor Seletskiy, chief executive of Palo Alto-based software maker CloudLinux, has pleaded for Cloudflare to drop several Russian news websites.

“Given that even Switzerland took sides, I think it would be an important statement if Cloudflare would do the same,” he wrote in an email to top executives, which he shared with Reuters.

Cloudflare said it terminated some clients because of sanctions and has begun reviewing accounts flagged in Seletskiy’s email, adding it was proceeding cautiously because cutting ties would jeopardize customer security.

Spurred on by bombs exploding outside his parents’ home last week and concerned for the safety of a few of his Ukrainian colleagues who had not recently checked in, Vlad Goloshuk has appealed to a swathe of companies to help pressure Russia.

More than a dozen, among them security and web hosting providers, said they would do what they can. Some have dropped Russian customers or were considering doing so, according to replies shown to Reuters by Goloshuk, CEO of Brightest Minds, a company that helps businesses generate sales leads.

Philipp Lypniakov, who works for Spanish delivery app Glovo and has supported efforts to take down Russian websites, said he hopes the “IT war” will protect Ukraine.

Disruptions will send “a message, starting from average citizens to the high officials that, ‘Hey, this is unacceptable,'” he said.

 

SUSPENSION OF SERVICES URGED

At Google, workers including hundreds of Ukrainian heritage have signed an internal letter addressed to CEO Sundar Pichai calling on the search giant to deliver more aid to Ukraine and modify its services such as Maps and advertising tools, according to a company software engineer who spoke on condition of anonymity.

Google declined to comment. In recent days, it has barred Russian state media from advertising and distribution tools and increased safety measures for users in Ukraine.

Activists also are looking at ways to disrupt the lives of Russian civilians, aiming to weaken support for the war within Russia.

An online petition organized by Stas Matviyenko, CEO of restaurant order-ahead company Allset in Los Angeles, has called on U.S. developers of entertainment, payment, dating and other apps to block access in Russia.

Big Tech‘s financial and supply chain muscle could help, too.

Silicon Valley-based humanitarian aid group Nova Ukraine has urged Amazon to donate worker time along with space for bandages and other crucial supplies on its cargo planes and vehicles heading to neighboring countries such as Poland.

“They have the scale no one else has,” said Igor Markov, a director of Nova Ukraine and a tech research scientist.

Amazon declined to comment. This week it said it would donate up to $10 million to organizations providing support in Ukraine.

Organizing aid for Ukraine online has consumed Julia Nechaieva, a product director at Amazon’s live streaming unit Twitch.

“I have only opened my working computer three times since last Wednesday,” she said. “To let my manager know that I’ll be off and to use donation matching.” – Reuters

Duterte approves inclusion of nuclear power in Philippine energy mix

WIKIMEDIA COMMONS

 – Philippine President Rodrigo Duterte has signed an executive order to include nuclear power in the country’s energy mix, as authorities prepare for the phasing out of coal-fired power plants and after earlier efforts failed due to safety concerns.

The order, signed on Feb. 28 and made public on Thursday, could be a major milestone for the country’s energy sector which suffers regular power outages and high prices but will concern opponents of the move.

Signed just three months before Duterte ends his single six-year term, the order also directs an inter-agency panel the president created in 2020 to look into the viability of reopening the mothballed Bataan Nuclear Power Plant (BNPP).

“The national government commits to the introduction of nuclear power energy into the state’s energy mix for power generation,” the order stated.

Despite public concerns over safety, Energy Secretary Alfonso Cusi has passionately advocated for nuclear power, which he said could be the answer to the twin problems of precarious supply and high electricity prices.

Taking into consideration the experience of developed economies, Duterte said nuclear power would be tapped as a viable alternative baseload power source as the Philippines seeks to retire coal plants in line with its commitment to help limit climate change.

Previous attempts to pursue nuclear energy in the Philippines failed due to safety concerns, but central to the new plan is the revival of the BNPP, built during the rule of the dictator Ferdinand Marcos.

Built in 1976 in response to an energy crisis, and completed in 1984, the government mothballed it two years later following Marcos’ ouster and the deadly Chernobyl nuclear disaster.

Since 2009, the BNPP has been opened as a tourist attraction for a fee, helping defray the cost of maintaining it.

The late dictator’s son, Ferdinand Marco Jr, who is currently the front-runner in the May presidential election, has said he plans to “revisit” the BNPP project, local media has reported. – Reuters

Review of oil deregulation law sought

PHILIPPINE STAR/ MICHAEL VARCAS
Passengers line up to ride a jeepney along Commonwealth Avenue, Quezon City in this file photo dated Dec. 1, 2021. — PHILIPPINE STAR/ MICHAEL VARCAS

By Kyle Aristophere T. Atienza, Reporter

PHILIPPINE President Rodrigo R. Duterte on Wednesday urged Congress to review the country’s oil deregulation law in order to give the government the power to intervene in the event of a spike in oil prices.

“We call on Congress to review the oil deregulation law, particularly provisions on unbundling the price, and the inclusion of the minimum inventory requirements in the law, as well as giving the government intervention powers to intervene when there is a spike and/or prolonged increase of prices of oil products,” Cabinet Secretary Karlo Alexei B. Nograles said in a statement.

The statement was released after Mr. Duterte met with several Cabinet members and top security officials on Tuesday to discuss the political and economic impact of the ongoing Russia-Ukraine conflict.

Republic Act No. 8479, also known as the Downstream Oil Industry Deregulation Act of 1998, removed government control on the pricing, exportation, and importation of petroleum products, allowing market forces to dictate oil prices.

Progressive groups have been urging the government to junk the law, saying it has allowed oil price increases to go unchecked.

Malacañang did not say if it will call for a special session to tackle the amendments to the oil deregulation law. Congress is currently on a break for the May 9 elections.

House Deputy Minority leader and Bayan Muna Rep. Carlos Isagani T. Zarate challenged the Palace to certify as urgent a bill that would repeal or, at the minimum, review and amend the said law.

“If Malacañang has a serious call to review the oil deregulation law and prevent oil prices from increasing, it should call on Congress to hold a special session next week to discuss and approve the suspension of the excise tax on oil products and discuss House Bill (HB) No. 10386 or the unbundling of oil prices and HB No. 4711 to restore government control on the oil industry,” he said in a statement.

House Ways and Means Chair and Albay Rep. Jose Maria Clemente S. Salceda proposed four amendments to the oil deregulation law, including the creation of a strategic petroleum reserve “during periods of abnormally low prices.”

“This would help ensure adequate supply at affordable domestic prices during periods of high world market prices,” he said in a statement.

Mr. Salceda said the law should also require the unbundling of retail prices of fuel, and improve price transparency. He proposed requiring all fuel retailers to update any change in retail prices in a central government database for efficient monitoring.

Energy Undersecretary Gerardo D. Erguiza said the DoE wants the law to be amended to include a provision that excise tax on oil should be automatically suspended if crude oil hits $80 per barrel for three consecutive months.

FUEL SUBSIDIES
Meanwhile, Mr. Duterte also approved the release of P3 billion for fuel subsidies and discounts to support public utility vehicle (PUV) drivers and agricultural workers hurting from the recent surge in pump prices.

“On the supply of oil, the President approved the recommendations of the Department of Energy (DoE) to implement the P2.5-billion Pantawid Pasada, and P500-million fuel discount program for farmers and fisherfolk. The DoE will continue to monitor the sufficiency in supply and quality and will make sure there will be no short selling,” Mr. Nograles said.

Economic managers earlier said the Pantawid Pasada program will give fuel vouchers to over 377,000 qualified PUV drivers. The government has so far been cool to proposals to cut or suspend the excise tax on oil products as a form of relief for consumers.

Each PUV driver will get an average of P6,500 under Pantawid Pasada, Land Transportation Franchising and Regulatory Board – NCR Regional Director Zona Tamayo said during the Laging Handa briefing.

Also, Mr. Nograles said the Agriculture department will provide fuel discount vouchers to farmers and fisherfolk to help them cope with rising fuel and production costs. The Palace also approved measures to boost food production, including assistance to farmers through fertilizer subsidy.

Other measures approved by Mr. Duterte include accelerating renewable energy adoption, and supporting investments in modern storage facilities for oil and grains to encourage stockpiling.

PEACE ACCORD
Meanwhile, Mr. Nograles called on Russia and Ukraine to forge a peace accord.

“We appeal for an immediate end to the unnecessary loss of life and call on the states involved to forge an accord that can help prevent a conflagration that could engulf a world still struggling to recover from the COVID-19 pandemic,” he said.

Earlier in the day, Mr. Duterte’s office released an executive order institutionalizing access to social protection programs for refugees, stateless persons and asylum seekers. The order also creates an interagency task force to handle services for them.

“These shall include the provision of access to socioeconomic services, social security benefits, gainful employment and humane working conditions, education, participation in judicial and administrative citizenship proceedings, legal assistance and access to courts, and freedom of religion.”

The President also ordered the Refugees and Stateless Persons Protection Unit of the Department of Justice to process claims to refugee or stateless status.

The order was in accordance with several United Nations (UN) conventions on the status of refugees, status of stateless people, and reduction of statelessness.

The Philippines recently voted in favor of a UN resolution condemning Russia’s invasion of Ukraine, which started on Feb. 24 when Russian President Vladimir Putin ordered military operations in the European country.

Soaring pump prices could go even higher, says Energy dep’t

FREEPIK

THE ENERGY department warned diesel and gasoline prices are expected to continue to climb, as a prolonged Russia-Ukraine crisis may see global crude prices hitting $120 per barrel.

“We won’t be much affected [by the Russia and Ukraine conflict] in terms of supply, but we will be hurt by the prices… Even [Mean of] Platts Singapore is projecting [crude oil] price might hit $120 per barrel and when the prices in the world market hit [that level], we will be affected,” Energy Secretary Alfonso G. Cusi said during the virtual Kapihan sa Manila Bay forum on Wednesday.

“We will be seeing the price of gasoline hitting above P70 [per liter] and diesel hitting above P60 per liter,” he added.

The Department of Energy (DoE) projected that diesel and gasoline prices may reach P68.70 and P78.33 per liter, respectively, if Dubai crude hits $120 a barrel.

As of Feb. 28 when the Dubai price stood at $96.89 per barrel, the price of diesel and gas stood at P54.20 and P69.28 a liter, respectively.

Global oil prices have been on an upward trend in recent months as many economies showed a strong rebound from the pandemic. However, the Russia-Ukraine conflict is fueling its sharp rise, with global benchmark Brent crude surging past $110 per barrel on Wednesday, Reuters reported.

DoE-Oil Industry Management Bureau Director Rino E. Abad said pump prices are currently at P60-P83 per liter for gasoline, P52-P65 for diesel, and P61-P68 for kerosene.

Since the start of the year gasoline, diesel, and kerosene prices per liter have jumped by P9.65, P11.65, and P10.30, respectively. — Marielle C. Lucenio with Reuters

Telehealth offers Filipinos a lifeline amid pandemic

Many Filipinos have consulted doctors online during the pandemic. — PHILIPPINE STAR/ MICHAEL VARCAS

By Arjay L. Balinbin, Senior Reporter

MAY I. ACUÑA, 37, and her family have been consulting a doctor online amid a coronavirus pandemic.

“It really helps,” the housewife from Cavite province said by telephone. “We used a telemedicine app for my aunt, whom the doctor confirmed was suffering from another stroke. So, we took her to the hospital.”

She also gets prescriptions online for antibiotics through telemedicine, in which patients get diagnosed and treated remotely — a convenience that Ms. Acuña did not enjoy before the global health crisis.

Remote care was originally used to provide medical assistance in rural areas where healthcare access is difficult. Over the years, pandemics forced people to use digital technology for healthcare, such as during the SARS epidemic in 2003 and, later, MERS-CoV in 2013.

“During COVID-19, member states in different stages of digital health transformation are all more engaged in telemedicine implementation,” the World Health Organization (WHO) said in a 2020 report.

In May 2021, Juniper Research expected teleconsultations globally to hit 765 million by 2025 from 348 million in 2020, reflecting a compound annual growth rate of 17.1%.

The Philippine Health department engaged with more than 100,000 patients a month in the first quarter of 2021 on Cisco Webex, a video conferencing platform developed by Cisco Philippines, the company said in April.

The agency conducted 17,400 sessions over Webex in 2020, equivalent to more than 2.3 million minutes of meetings and teleconsultations, it added.

“That there was at least a 50% increase in the use of telemedicine services in 2020 from pre-pandemic levels in urban areas, but not so much in rural areas,” Raymond Francis R. Sarmiento, director of the National Telehealth Center at the University of the Philippines-Manila, said in a Zoom interview.

The Department of Health (DoH) had urged the public to virtually consult doctors for nonurgent medical needs to avoid overcrowding in hospitals. It has also issued guidelines on the practice of telemedicine as the country shifts to the so-called new normal.

It has partnered with telemedicine providers including CloudPx, HealthNowPH, SeeYouDoc, TelAventusMD, MedCheck E-consult and TrinityCare.

Under the rules, a telemedicine provider must have a stable internet connection and secure videoconferencing or communication software, among other things.

Physicians must issue electronic prescriptions in accordance with the rules of the local Food and Drug Administration.

917Ventures’ telemedicine provider KonsultaMD said medical consultations on its app had skyrocketed by 23 times as of January from before the pandemic, while participating doctors rose by more than 18 times. 917Ventures is the corporate venture builder of Globe Telecom, Inc.

“Since the start of this pandemic, KonsultaMD has served as a national triage system, just like what you see when you first enter emergency rooms in hospitals,” Chief Executive Officer Cholo A. Tagaysay said in an e-mailed reply to questions.

Videoconferencing is usually used to provide care to patients who are hospitalized or in quarantine, while physicians in quarantine can use these services to take care of their patients remotely.

“With our hotline and mobile app running 24/7, patients can simply call about their symptoms and are given an immediate response regarding the next course of action,” Mr. Tagaysay said.

Most of the patients of Caryl Lyca M. Dematawaran, a young doctor at SeriousMD, were either coronavirus-positive or had COVID-19 symptoms and needed medical certificates to return to work.

Doctors like her charge a P300 fee for consultation, which takes as long as 30 minutes for COVID suspects, she said.

“Telemedicine was not really taught as a subject at medical school, but when the pandemic hit, it was introduced to us and we had a separate module for telemedicine,” she added.

Her patients mostly come from the middle-class who have access to the internet and online payment systems such as GCash and PayMaya.

BARRIERS
People in the countryside who struggle to buy smartphones and poor internet access are barriers to telemedicine adoption, Mr. Sarmiento said. For these people, SMS telemedicine is an option.

“People in urban areas have strong internet connection, and even 5G, but we need to strike a balance in making this available to everyone,” he added.

Enrique A. Tayag, a director at DoH’s Knowledge Management and Information Technology Service, said telemedicine services in the country are not optimal because of “infrastructure and cultural challenges.”

Some Filipinos are not comfortable with the technology and prefer face-to-face consultations, he said.

“Another cultural thing is the intergenerational gap,” Mr. Tayag said. “There are young adults who can actually be more focused on social media conversations rather than telemedicine, so they may make choices outside the telemedicine universe.”

Some people also worry about their privacy when using digital tools.

“Getting healthcare now should be as simple as buying prepaid load,” Mr. Tagaysay said. “It should be available to everyone, everywhere, all the time.”

He said KonsultaMD offers services for as low as P60 a month. “KonsultaMD gives any Filipino a chance to talk to a doctor even without a mobile phone or internet connection. We have a landline that you can call for free as long as you’re subscribed to one of our plans.”

Renz Anthony R. Sumapal, a licensed psychologist who runs a counseling and psychotherapy clinic in South Cotabato, uses telemedicine for clients who live outside the province such as those in Cotabato and Sultan Kudarat.

“It’s convenient because they don’t have to travel to avail themselves of mental health services,” he said by telephone.

He said some clients prefer face-to-face consultations, where they can better express themselves. “Telecounseling is difficult if the client has no private space and if they can’t be left alone.”

Connectivity can also be a problem, so he schedules his telecounseling in the evenings when the bandwidth is faster.

The Philippines ranked 89th out of 138 countries in mobile internet speed, and 63rd out of 178 countries in fixed broadband speed in Ookla’s Speedtest Global Index in December.

Aside from internet speeds, the shortage of doctors is also a problem, according to Jay Fajardo, chief executive officer and co-founder of telehealth platform provider Medifi.

The capital region has 10 doctors for 10,000 patients, but in the countryside, the ratio is down to fewer than three doctors, he told an online forum last year. “That needs to be addressed.”

Telemedicine is here to stay even after the coronavirus pandemic ends, KonsultaMD’s Mr. Tagaysay said.

It’s unlikely though that it will replace physical consultations, according to GlobalData.

“Telemedicine is not a one-size-fits-all solution,” Urte Jakimaviciute, a senior director at the market research firm, said in a statement.

While the use of telemedicine has topped pre-pandemic levels, it is not only about the technology, but also about the user experience and the quality of services they receive, she said.

“Even though telemedicine presents a great potential to transform healthcare delivery, it needs 5G to achieve its full potential.”

Ms. Acuña, the housewife from Cavite, said she still hesitates to use telemedicine for her children because they could be misdiagnosed.

“I also hope rates will be charged per minute,” she said. “Now, you get charged P300 even if the session lasted less than two minutes.”

Tighter rules eyed for new e-money firms

PIXABAY

THE CENTRAL BANK is looking to boost its regulatory oversight of e-money issuers by increasing the requirements for both banks and nonbank financial institutions that are looking to enter the business.

A draft circular posted on the website of the Bangko Sentral ng Pilipinas (BSP) also focused on requiring enhanced due diligence for high value e-money transactions.

Based on the proposal, banks and nonbanks that are also electronic money issuers (EMIs) should prepare a minimum capitalization of P200 million for this function. This is applicable for EMI banks that have a one-year average value of aggregated inflow and outflow transactions worth P25 billion and higher.

Meanwhile, small-scale EMI banks and nonbanks will need to comply with a P100-million minimum capital requirement.

As part of due diligence, the BSP will require EMIs to categorize their clients in order to determine transaction limits and suitable thresholds based on their risk assessment.

Meanwhile, government agencies will not be subjected to such limits for government-to-person and government-to-merchant payment transfers.

Large value, single-transaction payouts from an EMI account breaching P500,000 and its equivalent in foreign currency will be subjected to enhanced due diligence, the BSP said.

EMIs are expected to keep due diligence records for a period of at least five years.

Nonbanks that are looking to enter the business are expected to comply with central bank regulations related to electronic payment and financial services, as well as IT and liquidity risk management. They need to comply with anti-money laundering and counter-terrorism financing measures, and corporate governance requirements.

The BSP said EMIs should provide clear terms and conditions for merchants and users, noting disclosures should be given to stakeholders 30 days prior to implementation of a change in their system.

Through the proposed regulation, the BSP sets apart e-money from a deposit that earns interest. It also stressed that e-money is only credited to customers at face value and will not be higher than the amount used to purchase it.

The BSP warned that financial institutions that engage in e-money operations without securing a license from the central bank will face penalties and sanctions. A financial institution that has started its EMI operations within a year since receiving its regulatory approval will also have their license automatically revoked.

Stakeholders may send their feedback regarding the BSP’s proposed regulation until March 18.

Latest BSP data showed there are 29 lenders that have an EMI bank license, while 38 are regulated as nonbank EMIs.

In December 2021, the BSP imposed a two-year moratorium on application of nonbank EMIs as it looks to monitor the development of the growing sector. Nonbanks that wish to enter the EMI business can instead go through a regulatory sandbox framework of the BSP where their services will be tested in a controlled environment until they are ready for exit and eventual market participation.

Amid the rise of online transactions during the pandemic, the Anti-Money Laundering Council in a report said suspicious transaction reports from EMIs doubled to more than 140,000 in 2020 from a year earlier. — Luz Wendy T. Noble