by | Jun 17, 2025 | Business
At
Happycash, we recognize that data privacy is not only a legal obligation—it is
a core pillar of customer trust and long-term success. In line with this
belief, we have fully aligned our operations with the Data Privacy Act of
2012 and all regulations issued by the National Privacy Commission (NPC)
of the Philippines.
As a
registered Personal Information Controller (PIC) with the NPC, Happycash
adheres to the highest standards in the collection, processing, storage, and
protection of customer data. We treat our users’ personal information with the
utmost care—because safeguarding their privacy is central to how we do
business.
Fully
Committed to NPC Compliance
Happycash’s
data governance framework is designed to meet and exceed the requirements set
by the NPC. Our approach includes:
Data Minimization:
We collect only the data necessary to provide our services, avoiding
excessive or irrelevant information requests.User Consent and
Transparency: Our privacy policies clearly explain how data is used.
We ensure users are fully informed and give explicit consent before any
data processing.Security Measures:
We employ robust security measures, such as strong encryption, access
controls, and continuous monitoring to protect user information from
unauthorized access and breaches.Data Subject Rights:
We respect and uphold the rights of data subjects, including access,
correction, and erasure of personal data.Ongoing Staff Training:
All employees receive regular training on data privacy and NPC
regulations, embedding a privacy-first mindset across our organization.
Proactive
Engagement with the NPC
Happycash
not only complies with the law—we actively collaborate with the NPC to
strengthen our policies and ensure we’re ahead of evolving data protection
standards. We conduct regular privacy impact assessments, participate in NPC
consultations, and promptly address any inquiries from the Commission.
Putting
Privacy into Practice
Our
compliance efforts are not just policies on paper. We’ve built privacy into our
product design and business workflows. From app permissions to cloud
infrastructure, every layer of Happycash is structured to minimize data risks
and maximize user trust.
Looking
Ahead
As
digital finance grows in the Philippines, so does the responsibility to protect
user data. Happycash is proud to be a responsible steward of personal
information, and we will continue to invest in systems, people, and practices
that uphold the principles of transparency, accountability, and user
empowerment.
by | Jun 16, 2025 | Business
In
today’s fast-evolving digital lending landscape, transparency and
accountability are more critical than ever. At Happycash, we believe that
sustainable financial inclusion must be built on a foundation of trust and
regulatory compliance. That’s why we are proud to highlight our ongoing and
active collaboration with the Credit Information Corporation (CIC)—the
Philippines’ central credit registry. As both a submitting entity and an
accessing entity with the CIC, Happycash play a dual role in strengthening the
credit information ecosystem.
Since
our inception, Happycash has consistently reported loan data to CIC in
accordance with established guidelines. This partnership reflects our
commitment to building a responsible lending ecosystem that protects both
borrowers and lenders. By sharing accurate and timely credit data, we help
create a more robust financial infrastructure that empowers users while
reducing systemic risks. As an accessing entity, we also leverage the CIC
database to gain deeper insights into borrower creditworthiness, promoting
responsible lending decisions and risk mitigation.
Why
CIC Reporting Matters
As a
government-mandated credit registry, CIC plays a vital role in enabling fair
access to credit. When lenders like Happycash report to CIC:
Borrowers benefit from
having a verifiable credit history, helping them unlock better financial
opportunities in the future.Lenders gain deeper
insights into borrowers’ creditworthiness, promoting responsible
decision-making and risk mitigation.The entire ecosystem
benefits from reduced fraud, lower default rates, and enhanced financial
stability.
Our
Compliance Journey
Happycash
has taken proactive steps to integrate CIC reporting into our operations:
Regular and timely
submission of borrower credit data.Internal policies and staff
training aligned with CIC standards.Continuous engagement with
CIC for updates, clarifications, and audits to ensure full compliance.
We
view credit reporting not just as a regulatory requirement, but as a
responsibility to the people we serve. Our commitment extends beyond
compliance—we aim to be a model for ethical, data-driven lending in the fintech
sector.
Looking
Ahead
As
the Philippines continues to strengthen its credit information ecosystem,
Happycash remains committed to supporting CIC’s mission and aligning our
practices with the highest regulatory standards. We believe that transparency
is key to building long-term relationships with our users and earning the trust
of regulators, partners, and stakeholders.
by | Jun 16, 2025 | Business
In recognition of Father’s Day 2025, Karaoke Manekineko has introduced a limited-time promotion aimed at celebrating dads through accessible and fun family karaoke sessions. The special offer runs from 15 to 22 June across participating outlets.
In celebration of Father’s Day, Karaoke
Manekineko is offering
discounted happy hour rates exclusively for fathers from 15 to 22
June 2025. The initiative is part of the brand’s effort to encourage more
family bonding through music in a casual, welcoming environment.
The special promotion features heavily reduced prices during happy hours
for all fathers. Rates start as low as RM6++ for a 1-hour session on
weekdays, with extended sessions available at RM12++ for 2 hours and
RM15++ for 3 hours. Weekend prices begin at RM9++ per hour,
increasing to RM18++ for two hours and RM20++ for three hours.
This limited-time offer is valid during Happy Hour across the
promotional period and applies exclusively to fathers. All prices exclude
SST and service charges.
With this campaign, Karaoke Manekineko not only acknowledges the contributions of fathers but also reinforces
its ongoing mission to be a venue for family-friendly entertainment. The move
comes at a time when more consumers are seeking value-driven, inclusive
experiences that cater to multigenerational households.
For more information, guests are encouraged to contact their nearest
Manekineko outlet.
by | Jun 13, 2025 | Business
Despite employment reaching a record high in 2024, half of Australian workers (50%) are living paycheck to paycheck, according to ADP Research’s People at Work 2025 report. The study, which surveyed nearly 38,000 workers across 34 markets, uncovers stark regional disparities and generational divides in the global workforce’s financial resilience.
The findings reveal a complex financial picture, both locally and internationally: taking on extra work doesn’t necessarily close the pay gap, as nearly six in 10 (57%) workers surveyed globally are still struggling to make ends meet, even working multiple jobs.
In Australia, over half (52%) of workers with two jobs and nearly six in 10 (58%) of those with three or more jobs report holding multiple roles to cover necessary expenses.
Key Findings:
Global strain: Globally, more than half (54%) of single-job holders, 59% of workers with two jobs, and 61% of workers with three or more jobs are struggling to make ends meet.
Working multiple jobs to make ends meet: A significant portion of Australians are turning to multiple jobs to cope with financial demands.
Two jobs: 58% say they do it to afford extra costs, and 35% to build life savings and prepare for retirement.
Three or more jobs: 58% do it to build savings and prepare for retirement, and 46% to cover extra costs.
Regional Comparison: The country with the highest percentage of workers living paycheck to paycheck is Egypt (84%), followed by Saudi Arabia (79%) and the Philippines (78%). In contrast, South Korea reports the lowest proportion globally, at just 18%. Within the Asia-Pacific region, Australia ranks as the fourth lowest in terms of the share of employees living paycheck to paycheck, with 50% of workers facing this financial pressure. Only Japan (29%), Taiwan (30%), and China (31%) report lower proportions.
Why workers take multiple jobs
The survey reveals that most workers holding multiple jobs are doing it to cover their necessary expenses, to save for future spending, and to build savings for retirement. The number of workers working more than one job is the highest in the Middle East Africa (34%), Latin America (24%), and Asia Pacific (24%).
While people have different reasons for taking on extra work, holding two or more jobs can be a necessity in parts of the world where average wages are low relative to a country’s cost of living. Informal economies in Africa, Latin America and parts of Asia exacerbate challenges, with workers who piece together gig or part-time roles lacking stability or protection.
Navigating the high cost of living
“Pay is the foundation of financial wellbeing for most workers, yet our data shows that even record employment isn’t translating into financial security. Nearly two-thirds of people who hold three jobs still struggle to make ends meet. This presents an opportunity for employers to take a more holistic approach to compensation to help workers navigate the higher living costs of today’s global economy,” ADP chief economist Nela Richardson said.
“With the rising cost of living putting pressure on Australian households, many workers are finding it increasingly difficult to stretch their paychecks, even when holding down multiple jobs. For small and medium-sized businesses, offering across-the-board pay rises may not be realistic — but there are other meaningful ways to support employees,” Judy Barnett, Operations Director at ADP Australia said.
“Flexible work arrangements, subsidised transport, wellness programs, or financial planning support can go a long way in easing day-to-day pressures. These practical benefits help build trust, reduce turnover, and create more resilient workplaces at a time when employee wellbeing has never been more critical,” added Barnett.
by | Jun 13, 2025 | Business
XRP ETF approval is closer than ever as Ripple nears a $50M SEC settlement. With June 17 looming and markets on edge, is XRP about to skyrocket—or crash? Here’s what you need to know.
As the SEC’s decision deadline for Franklin Templeton’s spot XRP ETF on June 17 rapidly approaches, speculation is escalating over the potential approval of XRP spot ETFs from major firms, including Grayscale, Franklin Templeton, and Bitwise.
Market participants are taking note of Ripple’s ongoing push to settle its long-running lawsuit with the SEC, a development that could remove a major obstacle to ETF approval, pending final judicial sign-off.
XRP ETF Odds: From Euphoria to Slight Pullback
On prediction platform Polymarket, the probability of an XRP ETF being greenlit by end-2025 soared to 98% in early June, before easing to around 88% in recent days. These numbers underscore both strong confidence and market sensitivity to regulatory cues.
SEC vs. Ripple: The Settlement Stalemate
Ripple’s legal battle with the SEC hinged on whether XRP constituted an unregistered security. Although the two parties reached a tentative $50 million settlement in March, Judge Torres rejected their joint motion in May due to procedural issues under Rule 60.
They have refiled and paused appeals, aiming for limited remand through the Second Circuit. A procedural status report is due to be submitted by the SEC by June 16, yet the settlement is still awaiting final judicial approval, meaning the case remains formally open.
Looking ahead, the June 17 deadline looms large for the Franklin Templeton ETF decision, and Grayscale’s chance of converting its XRP Trust to a spot ETF finalizes by October 18, 2025.
Price Dynamics & “Buy the Rumor” Effects
XRP has been highly reactive to both XRP ETF speculation and legal headlines:
- On June 12, XRP price declined roughly 5,21%, closing near $2.13, as the broader crypto market weakened.
- Technical indicators: a break above the 50-day EMA may lead to retesting $2.50 and eventually $3.55, while sliding below the 200-day EMA risks a drop to $1.93 .
Traders are treating the ETF buildup like the classic “buy the rumor, sell the news” scenario long seen with Bitcoin and Ethereum.
Projections range from bullish (up to $27) to cautious, with expectations of swift 20–40% corrections post-approval.
Market Volatility & Liquidation Shock
In the past 24 hours, XRP faced $7.95 million in liquidations, predominantly on long positions, triggered by a 182% futures imbalance and price dipping to around $2.11.
Though sharp, analysts view this as a short-duration turbulence within a broader upward trend, especially given ongoing institutional tailwinds.
Institutional Momentum: Futures, Stablecoins & Corporate Treasury Adoption
1. CME XRP Futures
On May 19, CME Group launched cash-settled XRP futures, standard (50,000 XRP) and micro (2,500 XRP) contracts, linked to the CME CF XRP‑Dollar Reference Rate.
These futures add institutional legitimacy, fulfilling a key SEC requirement for mature market structure.
2. Corporate & Real-World Adoption
Ripple’s network is seeing growing real-world use:
- Corporate allocations: Webus, VivoPower, and Wellgistics are committing over $450 million in XRP for treasury and payment purposes.
-
Tokenized assets: Guggenheim Treasury Services issued digital commercial paper on the XRP Ledger.
-
Stablecoin integration: On June 12, USDC came to XRPL, enabling auto-bridging through XRP, a move to bolster liquidity and stablecoin utility on Ripple’s network.
XRP Key Timeline at a Glance
What Comes Next?
1. June 16–17
2. Market and Technical Signals
Traders are watching the 50- and 200-day EMAs; momentum may surge or falter based on price action and ETF headlines.
3. Ongoing Institutional Growth
Futures activity, stablecoin integrations, and institutional treasury adoption all support XRP’s positioning—independent of a spot ETF outcome.
Conclusion
XRP stands at a pivotal juncture. With the SEC’s legal battle nearing resolution and regulated futures trading already in motion, the environment is primed for an ETF decision by late 2025. While odds on Polymarket exceed 80–90%, the outcome hinges on:
- Court confirmation of the $50 million settlement,
- SEC’s interpretation of ETF applications in this new legal context,
- And whether XRP’s market infrastructure satisfies regulatory demands for transparency and investor protection.
XRP’s future could point toward institutional mainstreaming, or a roller-coaster bear trap. All eyes now are on the June 16–17 window.
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