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Job well done for a pioneering technology in Metro Manila

The Tunnel Boring Machine (TBM) that was used to construct the Novaliches-Balara Aqueduct 4 (NBAQ4) has completed its work as it emerges at the La Mesa Reservoir this August. Launched at the Balara Treatment Plant 2 on Jan. 28, 2020, the TBM “Dalisay” laid a 7.3-kilometer long, 3.1-meter diameter pipe underneath Commonwealth Avenue without inconvenience to traffic. This project is the first to use this technology in Metro Manila. The Metropolitan Waterworks and Sewerage System (MWSS) used a similar machine for constructing Tunnel 4 of the Angat Water Tunnel Improvement Project (AWTIP) in Norzagaray, Bulacan. In a ceremony held to celebrate this milestone, guests onsite and those that attended through Zoom witnessed the exposure of Dalisay’s cutter head from the soft concrete at the exit shaft at the La Mesa Reservoir (photo above). Present onsite were the NovaBala JV project team led by Project Manager Rod Scott, and joining through Zoom were MWSS Board of Trustees Chairman and OIC-Administrator Gen. Reynaldo Velasco (Ret.), MWSS-Deputy Administrator, Engineering and Technical Operations Group, Jose Dorado, MWSS Field Operations Management Department Manager Jun Escoto, Manila Water Co. Chief Administrative Officer Roberto R. Locsin, Manila Water Corporate Project Management Group Director Robert N. Baffrey, Manila Water East Zone Chief Operating Officer Abelardo Basilio, Manila Water Non-East Zone and International Business Chief Operating Officer Melvin John Tan, and the rest of the Manila Water project team. Once completed in June 2022, the NBAQ4 will help ensure continuous water supply for more than 7 million population served in the East Zone concession area of the MWSS.


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A third of Filipinos don’t like seeing themselves on camera — survey 

UNSPLASH

Filipinos are fine with adopting artificial intelligence (AI) technology to improve their video conversation experience, according to Uniphore, a conversational service automation company. 

A June 2021 survey commissioned by Uniphore showed that Filipinos are both frustrated and appreciative of video conversations, with more than three-fourths of respondents saying video provided a more meaningful connection (78%) and kept them better engaged (77%) with others.  

In contrast, 40% of the respondents claimed they can’t tell if others are engaged, with 38% feeling they are not heard, and another 35% stating people misinterpreted their facial expressions.  

Participants also admitted multitasking as a result of being bored during a call (31%). Among the specific multitasking activities reported were the following:  

  • Watching YouTube and streaming (63%)  
  • Going to the bathroom (47%)  
  • Cleaning the house (44%)  
  • Online shopping (30%)         

Others challenges cited were having to get ready for a video call (22%) and not liking to see themselves on camera (28%).  

Technology can make video conversations more effective and enjoyable, said Umesh Sachdev, chief executive officer and co-founder of Uniphore.  

“As the survey results revealed, there is still work to do to make virtual interactions as seamless and effective as in-person conversations,” he said in a press statement. “There is a clear need for additional tools and capabilities to enhance higher degrees of people-to-people understanding. Through AI and automation technology, companies and business leaders can create better experiences for customers, pick up on nonverbal cues that they may have missed, and provide insights using data that is decipherable and actionable.”  

Nearly nine-tenths (or 87%) of the Filipinos surveyed said they would be open to using AI to improve video conversations. Sixty-two percent indicated wanting assistance on how to engage with others, with 46% wanting to learn how to develop deeper connections. A further 45% wanted to learn how to multitask covertly.  

The global video conferencing market is projected to grow from $6.28 billion in 2021 to $12.99 billion in 2028 at a CAGR (compound annual growth rate) of 10.9% during the forecast period, according to market research firm Fortune Business Insights. Zoom, one of the most utilized web conferencing platforms worldwide, generated $882 million in the last quarter of the 2021 fiscal year, a year-over-year increase of nearly 400% 

The Philippines is one of the countries covered by this online survey, commissioned by  Uniphore and conducted by Researchscape International, a market research consultancy. Country-specific results for the US, Australia, India, Indonesia, Japan, Malaysia, Singapore, United Arab Emirates, and Vietnam can be viewed here. — Patricia B. Mirasol

Video Conversations

Pandemic has pushed Gen Zs, millennials into insurance, bonds, and crypto — Manulife

PIXABAY

The impact of the coronavirus pandemic on incomes and livelihood has made millennial and Generation Z (Gen Z) Filipinos aware of their financial health, pushing them to save for future needs, according to a survey conducted by Manufacturers Life Insurance Co. (Phils.), Inc. (Manulife Philippines).  

“What we found through the study is that the pandemic, actually, has been a game changer for these two generations. They have become much more financially conscious because their top stressor, or their number one worry during this time, is running out of money,” said Melissa Henson, Manulife Philippines chief marketing officer, in a press briefing on Wednesday.  

The survey also shed light on the financial product types that the millennials and Gen Zs owned, with insurance coming out on top at 79% for millennials and 68% for Gen Z.  

Government savings programs or bonds came second at 78% and 50% respectively, while cryptocurrency was third at 60% and 40%. 

The survey, which covered 200 millennial respondents born from 1981–1996 and 300 Gen Z respondents aged 15 to 24 years old, found that these generations prioritize staying healthy and avoiding illness, with the majority (87%) saying they want to save “in case something might happen to them.” 

Popular saving methods include putting away money every pay period or every month (82%) and following a monthly budget (75%).   

“As we have learned in the past, health concerns lead to greater financial concerns. Plus, the economy and its effect on job loss has led them to shift their priorities a little bit and focus on needs rather than wants,” said Ms. Henson.  

Despite the focus on spending on necessities, findings revealed that members of Gen Z tend to reward themselves more, citing declining mental health due to exposure to toxic social media and peers getting ahead. On the other hand, working respondents expressed more concern over debt and job loss.  

To deal with stress, 84% of all respondents cited sleep as a coping mechanism, with 76% saying they cope by enjoying a proper meal. Interestingly, the survey found that around 25% of Gen Zs purchase K-pop merchandise.  

As a generation born into the digitized world, Gen Z has also made inroads in pursuing financial security earlier, with the average Gen Z starting to save at 17 years old and starting to invest at 21 years old. Meanwhile, millennials surveyed started saving only at 23 years old and investing at 27 years old.  

Both generations, however, have been growing money, with millennials casting a wider net due to age, experience, and business goals.  

“Starting a business is something that emerged quite strongly. These young Filipinos have very entrepreneurial aspirations,” said Ms. Henson. “Because of that, they’re taking a long term, well-balanced approach to not just saving, but also growing their money to make sure that they can achieve those goals.”  

The takeaway from the survey, according to Ms. Henson, is the importance of early financial literacy: “There is so much information accessible [to Gen Z]. They really grew up in an already digitized world so they have become aware much earlier. We need to engage with Gen Zs that are still in school because they’re already showing interest.” — Brontë H. Lacsamana 

Biden says Afghan evacuation on track; humanitarian crisis looms 

A MAN pulls a girl to get inside Hamid Karzai International Airport in Kabul, Afghanistan, Aug. 16. — REUTERS
REUTERS

US President Joseph R. Biden, Jr., said US troops in Afghanistan faced mounting danger as they pushed to complete evacuations by an Aug. 31 deadline, with aid agencies warning of a looming humanitarian crisis for the population left behind. The United States and its allies have evacuated more than 70,000 people, including their citizens, NATO personnel and Afghans at risk, since Aug. 14, the day before the Taliban swept into the capital, Kabul.  

Western countries are now rushing to complete the airlift before the deadline for the withdrawal of foreign troops under an agreement struck with the Taliban last year to end America’s longest war.  

Mr. Biden said US troops were on pace to meet the deadline.  

“The sooner we can finish, the better,” Mr. Biden said on Tuesday. “Each day of operations brings added risk to our troops.”  

While the focus is now on those people trying to flee, the risk of starvation, disease and persecution is rising for the rest of the population after the chaotic exodus from Kabul airport ends, aid agencies say.  

“There’s a perfect storm coming because of several years of drought, conflict, economic deterioration, compounded by COVID,” David Beasley, the executive director of the UN World Food Programme, told Reuters in Doha, calling for the international community to donate $200 million in food aid.  

“The number of people marching towards starvation has spiked to now 14 million.”  

Afghanistan’s population is estimated at 36 million though no census has been completed over more than 40 years of warfare and refugee movements.  

The EU said this week it was planning a quadrupling in aid and was seeking coordination with the United Nations on delivery as well as safety guarantees on the ground.  

Foreign donors pledged a projected $12 billion in civilian aid to Afghanistan over four years at a conference last November, but many made it conditional on protecting human rights and progress on peace talks.  

The UN human rights chief said she had received reports of serious violations by the Taliban, including “summary executions” of civilians and Afghan security forces who had surrendered. The Taliban have said they will investigate any reports of atrocities.  

LAND ROUTES 
A NATO country diplomat in Kabul, who declined to be identified, said several international aid groups are desperate to get their Afghan staff to neighboring nations.  

Tens of thousands of Afghans fearing persecution have thronged Kabul’s airport since the Taliban takeover, the lucky ones securing seats on flights.  

The NATO country diplomat said Afghanistan’s neighbours should open their land borders to allow more people to leave.  

“Iran, Pakistan and Tajikistan should be pulling out far more people using either air or land routes. It’s vital air and land routes are used at a very fast pace,” the diplomat told Reuters.  

The Taliban said all foreign evacuations must be completed by Aug. 31, and asked the United States to stop urging talented Afghans to leave, while also trying to persuade people at the airport to go home, assuring them that they had nothing to fear.  

“We guarantee their security,” Taliban spokesman Zabihullah Mujahid told a news conference on Tuesday.  

Mr. Biden, in remarks at the White House, said the United States was racing to meet the Aug. 31 deadline as concerns mount over the threat of militant attacks.  

Two US officials, speaking on condition of anonymity, said there was growing concern about the risk of suicide bombings by Islamic State at the airport.  

G7 COMMITMENT TO AFGHANISTAN 
Leaders of the G7 major industrialized nations — Britain, Canada, France, Germany, Italy, Japan and the United States — met virtually to discuss how to complete the withdrawal and deal with the Taliban now that they have seized power.  

The talks did not result “in new dates” for the end of the evacuation mission, German Chancellor Angela Merkel said, although there were intensive discussions on whether a civilian-operated airport in Kabul could be used after Aug. 31.  

British Prime Minister Boris Johnson said the top condition of the G7 agreement was that militants must allow safe passage to Afghans wanting to leave the country even after that deadline.  

The Afghan government collapsed as the United States and its allies withdrew troops two decades after they ousted the Taliban in the weeks after the Sept. 11, 2001, attacks on the United States by al Qaeda militants, whose leaders had found safe haven in Taliban-ruled Afghanistan.  

Leaders of the Taliban, who have sought to show a more moderate face since capturing Kabul, have begun talks on forming a government that have included discussions with some old enemies, including former President Hamid Karzai.  

The Taliban appointed a former Guantanamo detainee, Mullah Abdul Qayyum Zakir, as acting defence minister, the Qatari-based Al Jazeera news channel said, citing a Taliban source. Some former Afghan government officials say they have been ordered back to work.  — Reuters

Luxury to essential: Latin America boosts internet access in pandemic

UNSPLASH

BOGOTA/RIO DE JANEIRO — Huddled over a red tablet on loan from their school, Mercedes Ortiz’ two children study from their home in a hillside slum outside Bogota — a novelty for the family after several coronavirus disease 2019 (COVID-19) lockdowns without internet access or tech devices.  

“With schools closed for the year, my son and daughter have missed out on their education as I only have internet access on my mobile phone when I have data,” said Ms. Ortiz, a Venezuelan migrant who came to the Colombian capital three years ago.  

The pandemic has exposed a deep digital divide — defined as the gap between those who have reliable and affordable broadband internet access and devices like tablets, smartphones, and computers, and those with none or limited access.  

Across Latin America and the Caribbean, three in 10 people — 244 million — have no internet, according to a 2020 study by the Inter-American Development Bank (IDB) that examined 24 of the region’s 33 countries.  

The pandemic has meant people without tech or internet, particularly migrants and people in rural areas and slums, have struggled to work remotely, access online classes and medical appointments or register for government subsidies.  

But COVID-19 has also spurred government action in the region to bridge the digital divide and ensure more people, like the Ortiz family, have access to digital services.  

“It’s not just the awareness but also the understanding that governments need to wake up and do something,” said Shamika Sirimanne, head of technology and logistics at the UN’s trade and development body (UNCTAD).  

“This is like a tipping point,” she said.  

NEW LAWS 
In Colombia, a law passed in July declared the internet an “essential public service,” meaning that “its importance and necessity for Colombians is comparable to that of water, electricity and gas,” Colombian President Ivan Duque has said.  

The law obligates telecoms operators to guarantee customers internet service and provide minimum browsing and free text packages during health and other emergencies. 

This follows a similar law passed in Chile and a decree announced in Argentina last year making the internet “a public service” during COVID-19 lockdowns.  

Peru, Brazil, and Argentina are all mulling laws that would make the internet an essential public service, according to World Bank tech expert Doyle Gallegos.  

“This all really started last year in Latin America,” said Gallegos, lead digital development specialist at the World Bank.  

“It’s really a proclamation that providing internet access to all citizens is critical and a high priority for the government,” he said.  

In the United States, a bipartisan group of senators and the White House are debating extending a program to help lower-income Americans get broadband access by folding it into the $1.2 trillion infrastructure package passed this month.  

The pandemic has also prompted countries, including Peru, Argentina, Chile, and Colombia to introduce other measures to boost free internet access.  

This has included lending free tablets to teachers and students, expanding free WiFi hotspots in public spaces, and “zero-rated” services where certain government, health and education sites and applications are not counted against a user’s data limits.  

During the pandemic, regulators and governments changed regulations “basically at the stroke of a pen” to ensure people were not shut off from internet services, Mr. Gallegos said.  

“For too long, access to the internet and devices, such as smartphones and laptops, have been seen as not essential, and even in cases, as luxury services,” he added.  

New laws declaring the internet as a basic service are “good beginnings,” but must be backed by measures to lower the high cost of internet services in low-income countries, said the UN’s Ms. Sirimanne.  

“If you don’t have internet access, you don’t have a digital economy,” she said. “You are cut off from the productive sector.”  

According to the UN, 1 gibabyte of data should cost no more than 2% of an average monthly income for internet to be affordbable, but in countries like Colombia, internet access can cost more than 10% of the monthly income of the country’s poorest citizens.  

In Brazil, Congress passed a law in February that would transfer about R$3.5 billion ($650 million) for states to provide internet access to poor public school students by buying them data plans and tablets.  

“We have 18 million students in social vulnerability, and six million that cannot attend (online) classes because they lack internet access,” Israel Batista, one of several opposition congressmen who helped draft the bill, told the Thomson Reuters Foundation.  

But Brazil’s far-right president Jair Bolsonaro vetoed the law in May — a move later overturned by Congress — and then challenged it before the Supreme Court.  

In August, Mr. Bolsonaro issued a decree that indefinitely delays federal funds for internet access being transferred to states.  

“What (Bolsonaro) wants is to postpone (the transfer) as much as possible, because if by the end of December the states haven’t spent it, they need to return it,” said Luis Claudio Araujo, a constitutional law professor at Brazil’s Ibmec university.  

Brazil’s economy and education ministers have warned Congress about the financial risks of the law, a spokesperson for the education ministry said in a statement.  

The government “spared no efforts in attempts to universalize internet access to students who need these public policies”, they said.  

FEW INCENTIVES 
The pandemic has highlighted the stark digital divide between rural and urban areas, but also between city dwellers in affluent neighborhoods and those living in slums, Mr. Gallegos said.  

In many big South American cities, there is good 4G internet coverage but poor residents can rarely afford to get online, he added.  

“The digital inclusion problem is not just urban versus rural but it’s high-income versus low-income, it’s gender- related, it’s disability-related,” he said.  

Governments forming partnerhips with private telecoms companies and providing financial incentives, like tax breaks, to build infrastructure in rural areas can help bridge the digital divide, Mr. Gallegos said.  

“A stronger relationship between both the private and public is what really is going to make a difference and create internet access for all,” he explained.  

Tech entrepreneur Charvel Chedraui, who founded Wayru — an internet service provider start-up — said Latin America’s telecoms companies view expanding internet access in rural areas as too risky and costly.  

Investing in internet infrastructure, such as fiber optic cables, antennae and cell towers with 5G, is rarely profitable, he said, so governments need to step in.  

“If governments don’t put the infrastructure and funding in place, then it’s just talk,” said Mr. Chedraui. — Anastasia Moloney and Fabio Teixeira/Thomson Reuters Foundation

Delta variant makes it harder to reach herd immunity — doctors

PHILIPPINE STAR/ MICHAEL VARCAS

By Patricia B. Mirasol  

Those who can work from home should do so, said doctors, who also appealed to the public to comply with minimum health standards in order to stem the tide of coronavirus disease 2019 (COVID-19) cases caused by the highly infectious Delta variant. 

“Wear a face mask and face shield, avoid potential super spreader events such as mass gatherings, and get vaccinated,” said Dr. Anna Lisa T. Ong-Lim, chief of the division of infectious and tropical diseases in pediatrics at the Philippine General Hospital (PGH), at an Aug. 24 webinar organized by the German-Philippine Chamber of Commerce and Industry, Inc. and BASF Philippines.   

At a system level, Dr. Ong-Lim said, variants of concern can be prevented entry by strengthening border control, monitoring endorsed arrivals, and implementing localized granular lockdowns. Local government units (LGUs) can also strengthen their implementation of prevention-detection-isolation-treatment-reintegration, as well as decrease the time between the onset of a person’s symptoms and testing.  

“If workers can continue to work from home, then that is a suitable option,” added Dr. Jubert P. Benedicto, a pulmonary critical care specialist in PGH. “If workers have to go to the office, then employers can offer flexible working hours to avoid overcrowding… Establish good ventilation in the workplace as well. Position a HEPA (high-efficiency particulate air) filter somewhere.”  

From maps generated in July, the Delta variant was seen to spread from 124 to 132 countries in a span of only two weeks. The most recent occurrence of the variant, recorded on Aug. 24, is in Jordan.  

“The more a virus spreads, the more chances it has to mutate,” said Dr. Benedicto.   

This variant makes the goal of herd immunity harder, Dr. Ong-Lim noted. “Only 67% of the population needed to be vaccinated with the original strain,” she said. “With the Delta variant, we now need 83% to be vaccinated to achieve herd immunity.”  

Delta-afflicted patients have a lesser chance of developing anosmia, or the inability to smell, Dr. Benedicto said. “Some will present with a mild cough, sore throat, or colds,” he added.  

Because there’s an overlap between the symptoms of flu and COVID-19, Dr. Ong-Lim said it’s important to isolate the individual as soon as symptoms are observed, and while arrangements are being done for confirmatory testing.  

“It’s instinctive to seek hospital care, because people want to be monitored,” added Dr. Ong-Lim, “but we need to prioritize the admission of severe and critical cases to preserve healthcare capacity.”  

Supervised home care is advisable for those who are asymptomatic, or with mild or moderate symptoms.  

On Aug. 24, PGH said that it would stop accepting walk-in patients in its emergency room due to the number of its COVID-19 patients already admitted. Data from the Department of Health also showed that 73% of the country’s intensive care unit (ICU) beds were utilized as of yesterday.

High blood pressure driven by obesity, poverty — WHO study

PIXABAY

GENEVA — Nearly 1.3 billion people globally suffer from hypertension, a silent killer often driven by obesity that increases the risk of heart disease, stroke and kidney disease, the World Health Organization (WHO) said on Wednesday.  

Hypertension can be easily diagnosed by monitoring blood pressure, and treated with low-cost drugs, but half of affected people are unaware of their condition which is left untreated, the WHO and Imperial College London said in a joint study published in The Lancet.  

While hypertension rates have changed little in 30 years, the caseload has shifted to lower-income countries as wealthy nations have brought it largely under control, the study said.  

“It is far from being a condition of affluence, it’s very much a condition of poverty,” Majid Ezzati, professor of global environmental health at Imperial College London, told a news briefing.  

“Many parts of sub-Saharan Africa, parts of South Asia, some of the Pacific island nations, they are still not getting the treatments that are needed,” he said.  

Some 17.9 million people died in 2019 from cardiovascular diseases, accounting for one in three global deaths, with hypertension a major factor, according to the WHO.  

“We know that the treatment is cheap, it’s low-cost medicines. But there is a need to include them in the UHC (universal health coverage) so this is not a cost for the patient, it has to be covered by the insurance system,” said Bente Mikkelsen, director of the WHO’s department of noncommunicable diseases.  

Apart from genetic risk factors for hypertension, there are “modifiable risk factors” linked to lifestyle, Dr. Mikkelsen said.  

These include unhealthy diets, physical inactivity, tobacco and alcohol consumption, uncontrolled diabetes, and being overweight, she said. Referring to obesity, she said: “This is really the tsunami of the risk factors.” — Stephanie Nebehay/Reuters 

Suspected digital fraud from the Philippines decreased in Q2 of 2021

TransUnion finds fraudsters following the money in Travel and Leisure and other industries

As the prevalence of digital fraud attempts on businesses and consumers continues to rise, TransUnion’s (NYSE: TRU) newest quarterly analysis found that the Philippines bucked the wider global trend and had a drop of 59.4% in the rate of suspected digital fraud attempts[1] when comparing Q2 2021 to Q2 2020. Globally,the rate rose 16.5% across industries during the same time period.

The industries with the largest declines in suspected digital fraud originating from the Philippines during that timeframe were telecommunications (-98.7%), logistics (-71.1%), and financial services (-61.3%). These industries have been the most impacted in previous periods, illustrating how fraudsters shift their focus every few months, following the money where it is most profitable.

The sudden shift in focus of fraudsters is apparent in financial services. Global financial services online fraud attempt rates had risen 149% when comparing the first four months of 2021 and the last four months of 2020. But when comparing Q2 2021 and Q2 2020, the rate of suspected online financial services fraud attempts has still risen, but at a much lower rate of 18.8% globally.

TransUnion monitors digital fraud attempts reported by businesses in varied industries such as gambling, gaming, financial services, retail, and travel and leisure, among others. The conclusions are based on intelligence from billions of transactions and more than 40,000 websites and apps contained in its flagship identity proofing, risk-based authentication and fraud analytics solution suite — TransUnion TruValidate™.

“Among all the markets that our research covered, the Philippines recorded the second biggest decline in the rate of suspected digital fraud originating from that country, next only to Brazil. It is possible fraudsters have recognized the fraud controls our customers have after experiencing them first-hand and have gone elsewhere for the time being. However, constant vigilance is still warranted as we’ll likely see them again in industries where transactions are increasing,” said Pia Arellano, president and CEO at TransUnion Philippines.

Fraudsters are re-focusing their efforts

There’s simply no time for complacency as certain sectors still observe an uplift in attacks. Gaming, and travel and leisure were the two most impacted industries globally for the suspected digital fraud attempt rate, rising 393.0% and 155.9% when comparing Q2 2021 to Q2 2020, respectively. In the Philippines, this rate rose 51.4% for gaming and 198.5% for travel and leisure during those same timeframes.

Industry Year-over-Year Suspected Digital Fraud Attempt Rate

Increases and Declines in Q2 2021 Coming from the Philippines

Industry Suspected Fraud Percentage Change Top Type of Fraud
Largest Percentage Increases
Travel & Leisure 198.5% Credit Card Fraud
Communities (online dating, forums, etc.) 163.8% Profile Misrepresentation
Gaming 51.4% Gold Farming
Largest Percentage Declines
Telecommunications -98.7% True Identity Theft
Logistics -71.1% Shipping Fraud
Financial Services -61.3% True Identity Theft

In the travel and leisure industry, the top type of fraud globally is credit card fraud. This happens when a customer uses a fake or stolen credit card for a purchase, resulting in a chargeback to the site. In communities, profile misrepresentation is the top fraud type, wherein a user posts inaccurate information in their profile and/or uses bogus profile photos. Meanwhile, the global gaming industry is plagued by gold farming, a practice wherein a user sells in-game assets/currency for real-world cash — an act that violates game rules.

More than one-third of consumers continue to be targeted by COVID-19-related digital fraud

As online fraud attempts against businesses continue to escalate, one in three consumers stated that they have been targeted by a digital fraud scheme related to COVID-19 during the second quarter of 2021. TransUnion’s Consumer Pulse study[2] in June 2021 found that approximately 36% of global survey respondents said they were targeted by fraudsters in COVID-19-related digital schemes. Almost half(48%) ofPhilippine respondents said they were targeted.

Phishing is the No. 1 type of COVID-19-related digital fraud impacting global consumers in Q2 2021. Among global consumers who say they were targeted with COVID-19-related digital fraud, 33% state they have been targeted by or fallen victim to such fraud. Stolen credit card or fraudulent charges was the second most cited type of COVID-19-related online fraud among those targeted, affecting global consumers at 24%. Phishing was also No. 1 in the Philippines at 40% followed by third-party seller scams on legitimate online retail websites at 29%.

“One in three people globally have been targeted by or fallen victim to digital fraud during the pandemic, placing even more pressure on businesses to ensure their customers are confident in transacting with them,” said Arellano. “As fraudsters continue to target consumers, it’s incumbent on businesses to do all that they can to ensure their customers have an appropriate level of security to trust their transaction is safe all while having a friction-right experience to avoid shopping cart abandonment.”

More information about TransUnion’s quarterly digital fraud analysis can be found here.

[1] The percent or rate of suspected or risky fraudulent digital transaction attempts are based on those that TransUnion customers receiving TruValidate services have either denied or reviewed due to fraudulent indicators compared to all transactions it assessed for fraud.

[2] TransUnion’s Consumer Pulse study is a survey of adults in the Philippines and abroad regularly conducted to better understand the financial impact of COVID-19 on consumers.


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SSS unemployment benefits up by 407% to P732.15M

The Social Security System (SSS) released P732.15 million in unemployment benefit disbursements to 54,282 members from January to June 2021, higher by 407 percent from the same period of last year. Number of member beneficiaries also rose from 11,917 to 54,282 by 355 percent.

SSS President and Chief Executive Officer Aurora C. Ignacio said that the steep jump of benefit releases is associated with the increase in members’ awareness on the availability of the said benefit for those who were involuntarily separated from work mainly due to the COVID-19 pandemic.

“We’re glad that this program was able to assist our workers in the private sector especially during these times that majority were left jobless due to the pandemic. Aside from that, the safety and convenience of our online services and checkless disbursements helped our qualified members to get their benefits on time which really served their purpose,” Ignacio said.

The Unemployment Benefit is one of the landmark provisions of Republic Act No.11199 or Social Security Act of 2018 effective March 5, 2019. Qualified are covered employees, including kasambahay (household helpers) and Overseas Filipino Workers (OFWs) who were involuntarily separated from employment due to economic downturn, natural or human-induced calamities/disasters, installation of labor-saving devices; redundancy; retrenchment or downsizing; closure or cessation of operation; and disease or illness of the employee whose continued employment is prohibited by law or is prejudicial to his or her co-employees’ health.

Moreover, members must not be more than 60 years old at the time of involuntary separation. In the case of underground or surface mineworkers and racehorse jockeys, they should not be more than 50 and 55 years old, respectively. Members must have also paid at least 36 monthly contributions, 12 months of which should have been paid within the 18-month period before the involuntary separation.

Qualified members will receive a monthly cash benefit which is equivalent to 50 percent of member’s average monthly salary credit (AMSC) for a maximum of two months. For example, member-applicant with an AMSC of P16,000 will receive a two-month unemployment benefits worth P16,000 (P8,000 for each month).

Benefit claim should be filed within one year from the date of member’s involuntary separation. However, if the one-year deadline for filing falls on March 5, 2020 up until the last day of Enhanced Community Quarantine/General Community Quarantine, the involuntary separated member may still file their claims until 60 days from the declaration of the government of the end or the last day of the ECQ/GCQ.

The step-by-step guide for the online submission of the unemployment benefit claim application can be accessed through this link: https://bit.ly/31tMWsY.

The SSS Chief also reminded its members to register online at the SSS website to create their own My.SSS accounts for the enrollment of disbursement account via the Disbursement Account Enrollment Module (DAEM) before the online submission of unemployment benefit claim application.

The step-by-step guide for the My.SSS registration and disbursement account enrollment can be accessed through these links: https://bit.ly/3m59GJ9 and https://bit.ly/39kVTcb.

For more details, members may follow the SSS Facebook page at the “Philippine Social Security System,” Instagram account at “mysssph,” Twitter account at “PHLSSS,” and SSS Viber Community at “MySSSPH Updates.”


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For authenticity, fashion brands are tapping micro-influencers

PIXABAY 

Fashion brands such as Aldo are tapping micro-influencers because they lend a “more personal touch” to campaigns. 

“We hire influencers to give real-life examples,” said Vijay GT, head of information technology and e-commerce of Singapore’s Jay Gee Group, a branded lifestyle company that carries the brands Aldo and Converse Kids, among others.   

Jay Gee Group, Mr. GT said, enlists agencies that hire micro-influencers such as college students and blog writers for product launches and related campaigns.  

“Marketing is all about the different touchpoints in the funnel [a term for the journey customers go through from purchasing products to becoming loyal brand advocates], and influencers are one of those touchpoints,” he said at an Aug. 24 webinar on content creation organized by Adobe, a computer software company.  

Followers may not immediately buy a product used by an influencer, he said, but the image gets embedded in their minds. “You go on your way, see the product again one day, and then say, ‘Oh, I’ve seen this before. I want to buy it,’” Mr. GT told the webinar audience.   

Micro-influencers, as defined by marketing software developer HubSpot, are individuals who have between 1,000 and 10,000 followers on social media, are well-known in their area of interest, and have very high rates of engagement from their audiences.   

Maryel B. Price, Adobe’s manager for digital customer experience and commercial marketing in the Asia Pacific, said this category of influencers tends to be more relatable too. “People follow micro-influencers that match their profile,” she added. “Sometimes, with the other influencers, everything’s so curated.”  

In 2019, Southeast Asia’s influencer marketing industry was worth $638 million. It is estimated to quadruple within five years to reach $2.59 billion by 2024.  

Influencer rates are based on their follower count, engagement rate, star power, and/or access to a niche audience. Engagement rates, for instance, are a more suitable metric for a brand that aims for conversion, according to Hootsuite, a social media management platform. Conversion, in marketing parlance, is when a visitor who visits a website completes a desired goal, such as a purchase.  

“The reality is that whenever brands partner with an influencer, they are paying for access to their audience,” said Arthur Altounian, Asia Pacific client development director at INCA, a content production and media strategy firm, in a July interview with Adobo magazine. He added that an influencer’s credentials need to be vetted to combat influencer fraud and ensure brand safety.   

Apart from influencer fraud, relevance is also a crucial point for when mounting campaigns.  

HubSpot, in an October 2019 post, noted that some products and platforms are a more suitable match for micro-influencers than others.   

“While micro-influence works well on Instagram with visual products, such as a bright can of sparkling water or an eye-catching outfit, this [strategy] might not be the best for promoting complicated software or other technology,” it said.  

Creating a compelling customer experience boils down to choosing the right content, said Ms. Price said at the webinar. “You can build trust by having consistency across all your channels and content.” — Patricia B. Mirasol

US could control COVID by spring 2022 if more people get shots — Fauci

REUTERS

WASHINGTON — The United States could get coronavirus disease 2019 (COVID-19) under control by early next year if vaccinations ramp up, Dr. Anthony S. Fauci said on Tuesday, one day after Pfizer won fuller Food and Drug Administration (FDA) approval for its shot, with more potential approvals coming in the weeks ahead.  

Dr. Fauci, the nation’s top infectious disease expert, said in multiple television interviews and a White House press conference that full FDA approval for the Pfizer-BioNTech vaccine paves the way for more people to get inoculated, with potential approval for Moderna Inc.’s in the coming weeks and authorization for younger children by autumn.  

“I would like to appeal to the people in the country who are not vaccinated to realize that we have the capability, among ourselves, to essentially cut down the time frame to getting to the end of this pandemic,” Dr. Fauci, head of the National Institutes of Allergy and Infectious Diseases, said during a Tuesday press conference.  

“I think there’s a reasonable chance” that Pfizer or Moderna could get FDA clearance for children under 12 before the upcoming holiday season, he told NBC News. “Hopefully by the mid-late fall and early winter.”  

US officials during the Tuesday press briefing also urged private employers and more state and local governments to require staff to get vaccinated in a bid to drive up vaccination rates.  

“Now is the time” for US employers to start mandating vaccinations, White House COVID coordinator Jeffrey Zients said, echoing remarks from President Joseph R. Biden, Jr., on Monday.  

Meanwhile, the White House is preparing to provide third “booster” doses starting in mid-September to Americans who received their COVID-19 inoculation more than eight months ago. The plan depends upon a thumbs up from the FDA and an advisory panel to the Centers for Disease Control and Prevention (CDC).  

“We want to make sure we stay ahead of the virus,” Mr. Zients said, adding that “the plan is pending the FDA conducting an independent evaluation and outside experts… issuing a booster dose recommendation.”  

Dr. Fauci added that healthcare providers should also make more use of COVID-19 antibody treatments, including those from Eli Lilly & Co, Regeneron Pharmaceuticals, and GlaxoSmithKline Plc/Vir Biotechnology Inc. Such treatments can reduce hospitalizations and deaths by as much as 85% if used early in infected people, he said.  

The United States is battling another wave of cases due to the highly contagious Delta variant. Hospitalizations and deaths are also rising, particularly in Florida, Mississippi, Louisiana, Texas and other parts of the US South.  

The average number of deaths from COVID-19 has risen by 23% over the previous seven-day period, Dr. Rochelle Walensky, director of the US CDC, during a Tuesday press call. The United States is now averaging 1,000 COVID deaths a day and over 150,000 new cases, according to a Reuters tally.  

US health officials have also noted the number of inoculations has also risen in recent weeks and say they hope Monday’s FDA action spurs more people get their first shots.  

The US military, along with several businesses and universities, including CVS Health Corp, privately held Deloitte and at least one college football team, have moved ahead with COVID vaccine mandates since the FDA’s announcement, which also buoyed Wall Street. — Susan Heavey and Carl O’Donnell/Reuters 

Duterte to run for VP next year 

PRESIDENTIAL PHOTO/ KING RODRIGUEZ

President Rodrigo R. Duterte on Tuesday night said he would run for vice-president next year.

“I will continue the crusade,” he said at a televised news briefing, referring to his campaign against illegal drugs, criminality and insurgency.

“I may not have the power to give the direction or guidance but i can always express my views in public for whatever it may be worth in the coming days,” he added.

In the Philippines, the President and vice-president are elected separately and may come from opposing political parties.

The vice-president usually becomes powerless unless the President gives him a key post in his Cabinet. 

Some congressmen have said Mr. Duterte’s vice-presidential ambition is a desperate attempt to stay in power amid possible prosecution by the International Criminal Court (ICC) for human rights violations in his war on drugs. 

Legal experts earlier said Mr. Duterte could not run away from potential lawsuits since a vice-president is not immune from suits. — Kyle Aristophere T. Atienza