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1、Activating the Philippine Credit FlywheelFebruary 2026 By Sumit Kumar,Kunaal Wadhwa,Bharath Vasudevan,and Joshua ChuaBoston Consulting Group partners with leaders in business and society to tackle their most important challenges and capture their greatest opportunities.BCG was the pioneer in busines
2、s strategy when it was founded in 1963.Today,we work closely with clients to embrace a transformational approach aimed at benefiting all stakeholdersempowering organizations to grow,build sustainable competitive advantage,and drive positive societal impact.Our diverse,global teams bring deep industr
3、y and functional expertise and a range of perspectives that question the status quo and spark change.BCG delivers solutions through leading-edge management consulting,technology and design,and corporate and digital ventures.We work in a uniquely collaborative model across the firm and throughout all
4、 levels of the client organization,fueled by the goal of helping our clients thrive and enabling them to make the world a better place.0201 081627The Credit Divide:Who Gets Lefu Behind in the Philippines Rapidly Growing Lending MarketPrefaceThe Core Challenge:A Trust Deficit in the Philippine Credit
5、 InfrastructureSpurring Credit Access:What Can We Learn from Other Markets?Unlocking the Flywheel in the Philippines:Strategic Imperatives for the Credit EcosystemContentsBOSTON CONSULTING GROUP1ACTIVATING THE PHILIPPINE CREDIT FLYWHEELIn The Filipino Dream(2024),we found that Filipinos hold paralle
6、l dreams of handling health emergencies without fear,and starting businesses,from sari-sari stores to dessert cafs.But for three in four Filipinos,financial constraints get in the way.Daily expenses grind away their ability to save,invest,or take risks.Many see entrepreneurship as their only path to