Maya Wins Best Digital Bank in the Philippines Again

Maya Wins Best Digital Bank in the Philippines Again

Three Years of Consistency, Three Years of Innovation

Winning Best Digital Bank in the Philippines once is impressive. Winning it three times in a row is a statement. At the Global Retail Banking Innovation Awards 2025 hosted by The Digital Banker, Maya once again took home the crown. This recognition isn’t just about prestige—it’s proof that Maya has built a digital banking ecosystem that works, scales, and most importantly, empowers. Maya Wins Best Digital Bank in the Philippines Again

For readers, this means you’re looking at a fintech platform that has consistently delivered results, not just promises. And in a market where trust is everything, consistency is the ultimate currency.

Numbers That Speak Louder Than Marketing

Let’s break down the stats. As of Q2 2025, Maya serves 8.2 million bank customers, more than double from the previous year. It also supports 2.1 million borrowers, with over half being first-time formal borrowers. That’s a big deal.

Maya manages ₱50 billion in deposits and ₱25 billion in outstanding loans, with a total of ₱152 billion in loans disbursed since launch. These aren’t vanity metrics—they show scale, trust, and adoption.

For readers, this means Maya isn’t just a shiny app on your phone. It’s a financial institution with real impact, helping millions of Filipinos access banking services that were once out of reach.

Technology That Powers Inclusion

Maya’s strength lies in its all-in-one fintech platform. It’s not just about deposits or payments—it’s about creating a seamless ecosystem.

• Instant Onboarding: With just one ID, users can open accounts instantly.
• Alternative Data for Credit: Maya uses non-traditional data to assess creditworthiness, enabling responsible lending to those with little or no credit history.
• Integrated Services: Credit, savings, payments, and investments are linked within one platform.

I’ve seen plenty of fintech apps that try to do everything but end up doing nothing well. Maya’s integration feels deliberate, not forced. It’s designed to make banking simpler, fairer, and more human.

For readers, this means less paperwork, faster access, and more opportunities to build financial stability.

Bridging Aspiration and Access

One standout product is the Maya Black Credit Card. It’s not just another piece of plastic—it’s a bridge between inclusion and aspiration.

The deposit-backed Express feature allows first-time borrowers to access premium credit. This isn’t just about spending power—it’s about building credit history responsibly. Merchants benefit too, connecting with a growing base of high-spending, credit-active users. Maya Wins Best Digital Bank in the Philippines Again

For readers, this means you can start small, build responsibly, and eventually access more financial opportunities. And yes, it also means you can finally stop borrowing your cousin’s credit card for online shopping.

Redefining Saving and Spending

Maya has redefined what it means to save and spend. Active users enjoy higher deposit rates, incentivizing engagement. By linking credit, savings, payments, and investments, Maya creates a feedback loop where every transaction strengthens the ecosystem. Maya Wins Best Digital Bank in the Philippines Again

• Consumers earn rewards when they pay with Maya.
• Merchants reach more active customers.
• Data from transactions shapes smarter, personalized products.

For readers, this means your everyday spending isn’t just an expense—it’s an investment in better rewards, smarter services, and stronger financial habits.

Business Solutions That Scale

Maya isn’t just for individuals. Its ecosystem extends to businesses of all sizes.

• Maya Business App: Tailored for MSMEs, enabling them to accept payments, manage finances, and grow.
• Maya Business Manager: Built for large enterprises, offering advanced tools for financial management.

For readers, this means whether you’re running a sari-sari store or a nationwide enterprise, Maya provides tools that scale with your needs.

Proprietary Tech and AI Stack

Behind the scenes, Maya’s secret weapon is its proprietary technology and AI stack. Built in-house, it enables faster innovation and better risk management compared to legacy systems.

• AI Models: Handle credit scoring, pricing, and fraud detection.
• Risk Management: Keeps non-performing loan ratios around 3.5%, below the industry average.
• Flexibility: Allows Maya to adapt quickly to market changes.

I’ve always said that fintech success isn’t about flashy apps—it’s about the invisible infrastructure that makes everything work. Maya’s AI-driven backbone is what allows it to scale responsibly.

For readers, this means safer transactions, smarter credit decisions, and a platform that evolves with your needs.

Human Impact Beyond Technology

As Angelo Madrid, President of Maya Bank, put it: “Every new account opened, every credit extended and every transaction made represents someone gaining more control over their financial future.”

This isn’t just about technology—it’s about people. Millions of Filipinos now have easier access to financial tools that used to be out of reach.

For readers, this means empowerment. It’s about taking control of your financial journey, whether you’re saving for school, starting a business, or simply managing daily expenses.

My Take: Why Maya Deserves the Title

I’ve covered enough fintech stories to know that awards can sometimes feel like marketing fluff. But Maya’s recognition as Best Digital Bank in the Philippines for three consecutive years feels earned.

What I like most is the balance. Maya combines profitability with inclusion, scale with responsibility, and technology with humanity. It’s not just about being the biggest—it’s about being the most impactful.

For readers, the benefit is clear: you’re not just using a digital wallet—you’re part of a platform that’s shaping the future of banking in the Philippines. And yes, it also means you can finally brag to your friends that your bank is literally award-winning.

Global Recognition

Maya’s accolades aren’t limited to The Digital Banker. It has also been named Best Digital Bank in the Philippines by Asian Banking & Finance and Global Finance, and was recognized among the World’s Best Banks by Forbes Magazine.

For readers, this means Maya isn’t just a local success story—it’s a global contender. And that kind of recognition builds trust, both at home and abroad.