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Abstract：Six online-only upstarts set to challenge big financial institutions
Philippine digital banks target $140bn retail deposit market
Six online-only upstarts set to challenge big financial institutions
Tonik is one of six digital banks courting 70% of Filipino adults who do not have bank accounts.
MANILA -- Tonik Digital Bank in the Philippines welcomes new clients with a love letter: “Your traditional banking ends here. Your neobanking romance starts now.” The bank calls accountholders “luv” and offers higher interest rates on deposits to help customers “move on and get over your Ex (bank).”
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