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菲律宾数字银行竞逐盈利，监管机构提高竞争门槛

GoTyme 和 Tonik 均表示，其目标是在明年实现净盈利

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    • GoTyme 在 2022 年 10 月成立两年多后，才推出其首款贷款产品——“先买后付”服务。
    • GoTyme 在 2022 年 10 月成立两年多后，才推出其首款贷款产品——“先买后付”服务。 图片来源：GOTYME

    DeeperDive is a beta AI feature. Refer to full articles for the facts.

    Elyssa Lopez

    Published Wed, Feb 11, 2026 · 08:30 AM

    本文由AI辅助翻译

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    Isabel Bautista 亲自注册的第一个银行账户是在 GoTyme 开设的。

    “当我看到他们提供 5% 的利率，而且现金存入是免费的，注册就变得非常简单，”她告诉 Tech in Asia。她并未就此止步。她目前在三家不同的数字银行拥有三个账户，所有账户中都存放着她数十万的储蓄。

    自从该国中央银行——菲律宾中央银行 (Bangko Sentral ng Pilipinas, 简称 BSP)——于 2020 年底颁发数字银行牌照以来，菲律宾人在储蓄账户的选择上可谓应接不暇。

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