#GCash has been instrumental in breaking these barriers to inclusion. It began by enabling access to the marginalized who do not have traditional documentation or credit history.
“At GCash, we addressed inclusion barriers using tech-enabled and data-driven solutions guided by customer-centricity,” said Martha Sazon, President & CEO of Mynt, the holding company of GCash, during the 2025 World Economic Forum in Davos. “Our approach is centered on making products accessible, relevant, and simple, so we can work toward ensuring that no one is left behind.”
With millions of users, GCash pursues its vision of Finance For All by providing Filipinos—regardless of gender, background, or socioeconomic standing—with access to an e-wallet, loans, investments, and insurance coverage, as well as financial support for micro, small, and medium enterprises.
GCash attributes a significant part of its progress as an enabler of financial inclusion to artificial intelligence (AI). A user’s integration into the GCash ecosystem starts with an AI-powered onboarding process. GCash was the first to use the eKYC (electronic Know Your Customer) process in the Philippines, scaling market penetration while using alternative data.
AI has also enabled GCash to personalize its services to already onboarded users, helping analyze each user’s needs, custom-tailoring outreach, and providing individualized financial solutions ranging from microloans for small businesses to flexible investment opportunities and affordable insurance coverage.
Notably, GCash is also able to accelerate inclusion through its groundbreaking features like GScore, GCash’s proprietary credit scoring system that determines a user’s creditworthiness using AI and a person’s in-app activity.
GCash has also leveraged AI to create customer affinities that offer a deeper understanding of the market, paving the way for hyper-personalization that addresses a user’s needs with better precision. Through customer affinities, each user isn’t considered just a part of a demographic but is treated as their very own market segment.
“Each step toward financial inclusion is a step toward accelerating Filipino women’s economic empowerment,” concluded Sazon. “This month especially, we bear in mind what was reported by the World Economic Forum: that we stand to achieve full gender equality only in the year 2158 if we maintain our current pace. We at GCash feel the urgency now more than ever and aim to further utilize AI as tech for good.”