USAID/E-PESO National Surveys on Individual and Retail Payment Behaviors in the Philippines

The United States Agency for International Development (USAID) in the Philippines through its E-PESO Activity conducted two national surveys for the purpose of establishing the baseline for individual and retail payment behaviors in the Philippines.

The Philippine Individual Payments Baseline Survey (2016) looks into the payment behavior for household and personal expenses. It quantifies the volume and value of the transactions that households and individuals incur monthly using different payment instruments –cash, check, electronic payments (e-payments) instruments (credit cards, debit cards, pre-paid cards) and e-money –and payment channels. The report probes into the attributes of awareness, trust, and usage at different geographic, socio-economic, gender and generational layers thereby providing insights on the strengths and weaknesses of e-Payment instruments and channels from the eyes of respondents representative of the target Philippine population.

The Philippine Institutional Payments Baseline Survey (2018) provides data on awareness, usage, intention to use and value of e-payments among businesses and government corporations in the country. The study is based on a survey on the payment behavior of businesses and their propensity to shift to e-payments. The data sheds light on the common payment transactions of businesses and government corporations, what instrument they use for each transaction and through which channels they make their payments. Results of this study will be beneficial for the public and private sector alike. Providers of e-payment products and services can learn about how to improve their service offerings, product design, and partnership approach to drive further usage. Policymakers, for their part, can glean on the concerns of consumers/businesses about digital payments and channels and how regulations can help ease those constraints.

The USAID/E-PESO Activity helps to increase the use of digital payments in the Philippines to promote broad-based economic growth and financial inclusion. It seeks to accelerate the shift to digital payments by facilitating the critical mass of both supply and demand-side users of the retail e-Payment system.

Access these reports:

Philippine Individual Payments Baseline Survey (2016)

Philippine Institutional Payments Baseline Survey (2018)


Vicky Puzon