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Don’t get tricked: Spot these financial monsters before they get you

Ghosts are harmless compared to these real-life threats that prey on your hard-earned money.

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The spooky season has arrived, but not all monsters wear masks. Some hide behind fake links and shady offers designed to trick you into giving up your hard-earned money.

These are the real-life financial monsters: fraudsters, impersonators, and manipulators who turn everyday moments into horror stories.

According to the Cybercrime Investigation and Coordinating Center, 32% of Filipinos have fallen victim to digital fraud in the past year. And while it’s tempting to think you’d never fall for one, scammers are getting smarter and more creative.

Here’s what to watch out for:

Suspicious links and emails.

Those random texts and emails saying “there’s a problem with your account” or “you’ve won a prize”? They’re classic traps.

Scammers disguise themselves as legitimate companies to steal your information or access your accounts. Always double-check the sender’s address. If it looks off, don’t click.

Grammar gone wrong.

If a message is full of weird typos, awkward phrasing, or off punctuation, that’s a red flag.

Reputable companies review every message they send. When in doubt, don’t reply. Report it to authorities like the PNP Anti-Cybercrime Group or the NBI.

Urgent and emotional messages.

Scammers love to pressure you. They’ll make you feel scared or guilty to get you to act fast.

Real companies won’t threaten or rush you into sharing personal info. Take a breath, hang up, and reach out to the official hotline to verify.

Deals that sound too good to be true.

If someone promises instant money or massive discounts, run. These scams often demand “processing fees” or personal info before disappearing. No legitimate prize will ever require payment upfront.

Behind every scam is a story of someone who deserved better. Sometimes, what started as a simple loan application can turn into a nightmare if a rogue online lender decides to harass someone over payments they didn’t even fully receive.

It’s a familiar story for many Filipinos who’ve been preyed on by unregistered or unethical financial services.

Thankfully, more responsible lenders and financial platforms today (Tala, for example) are working to raise awareness and fight back against these threats.

Some even use advanced systems to flag suspicious behavior, partner with authorities for investigations, and educate communities through financial literacy programs.

At the end of the day, awareness is your strongest defense. So this Halloween, stay sharp because protecting your peace (and your money) will always be the sweetest treat.

Apps

foodpanda relaunches cult-favorite roast chicken brand after 8 years of persistent search queries

Heritage chain Andok’s returns to the platform, driven entirely by long-term user analytics.

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In the world of e-commerce and food delivery, platform algorithms usually dictate what consumers see. But occasionally, consumer behavior is so relentless that it shapes the platform’s strategy.

In a move driven entirely by long-term user analytics, foodpanda has officially relaunched Andok’s, one of the Philippines’ most iconic heritage rotisserie chains, back onto its platform after an eight-year absence.

The search bar as a digital wishlist

The decision to ink the partnership wasn’t just a marketing play. It was a response to an ongoing data anomaly. Despite being offline from the foodpanda platform for eight years, Andok’s consistently ranked as one of the most-searched merchants on the app.

Year after year, users treated the empty search results page as an unofficial wishlist. This persistent search intent gave foodpanda a clear, data-backed signal of pent-up demand.

Prior to the official digital rollout, teaser campaigns on social media validated this demand, generating thousands of organic interactions from users anticipating the return.

Bridging heritage flavor with digital infrastructure

For foodpanda, onboarding a merchant with this level of built-in demand fits its broader strategy of marketplace optimization and hyper-local network expansion, turning a heritage brand into another data point for how legacy retail plugs into delivery infrastructure.

For Andok’s, the integration works as a fast track to digital scale. A legacy quick-service chain skips years of independent app development and reaches customers already using foodpanda’s existing logistics network, on a platform they already check daily.

Andok’s built its following on charcoal spit-roasted chicken, a slow-cooked technique that’s stayed largely unchanged since the brand’s early days, alongside seasoned grilled pork belly.

More recently, the Dokito line extended that following into crispy fried chicken and chicken burgers, broadening the brand’s appeal beyond its original rotisserie format and giving foodpanda a menu with both heritage pull and everyday fast-food convenience.

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Turn conversations into completed work: Zoom launches ZoomMate

Agentic AI work surface to help people move from conversation to execution

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Zoom has officially announced ZoomMate, an agentic AI work surface to help people move from workplace conversations to execution without losing context along the way.

It will be offered in ZoomMate Basic (free) and ZoomMate which is priced starting at US$ 16.67 per month.

Unlike AI tools that solely rely on prompts or manual context, ZoomMate understands what was discussed to generate grounded, relevant outputs directly from meeting context.

The feature connects live conversational context to agentic search, workflow execution, custom agents, and AI content creation. It helps users overcome the friction introduced by fragmented tools and incomplete workflow by surfacing information across Zoom and connected business systems.

This creates deliverables from meeting and enterprise context, like presentations, documents, and spreadsheets. It also coordinates follow-though across workflows without switching tools.

ZoomMate capabilities

ZoomMate introduces advanced agentic AI capabilities that help teams move from insight to completion.

Agentic Search

With agentic search, it brings enterprise knowledge to every conversation. ZoomMate can search across Zoom, the web, and third-party systems to find the most relevant information for a project, account, ticket, policy, or business question.

Connecting to data sources such as ServiceNow, Salesforce, and Workday, and indexing across users’ integrated enterprise systems allows for surfacing information from enterprise files.

This includes customer records, open issues, service tickets, knowledge articles, project updates, files, and other business content.

Moreover, relevant context from Zoom Meetings, Phone, Chat, and other connected platforms, including Google and Microsoft, can be directly integrated into the flow of work.

Orchestrate

The next step is ZoomMate’s agentic layer enables proactive coordination and execution across systems, combining AI workflows with intelligent agents that can act, learn, and adapt within enterprise environments.

Agents can monitor ongoing projects, identify steps from meeting context, and automatically initiate follow-up actions for continuity.

Aside from that, ZoomMate can coordinate real-time task execution and can schedule events across Google Calendar or Microsoft Outlook.

Moreover, it updates records, creates follow-up tasks, drafts customer communications, and triggers onboarding or support workflows.

Complete

Lastly, ZoomMate turns meetings into finished work. It automatically creates presentations, documents, spreadsheets, reports, and project plans from meeting conversations and enterprise context so teams can move from discussion to execution faster.

It leverages Zoom’s AI Productivity Suite to update deliverables as decisions evolve, keeping plans, documents, and other outputs current in real time without manual syncing.

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GCash rolls out in-app OTPs via push notifications to fight scams

SMS-based codes will be phased out by June 22

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GCash is completely changing how users secure their accounts by rolling out in-app OTPs by June 22.

This fully replaces traditional SMS-based authentication as part of heightened cybersecurity measures against phishing scams and financial fraud.

With this security upgrade, users will no longer receive their OTPs via text messages. Instead, the codes will be sent through secure push notifications directly inside the GCash app.

This provides a much safer verification experiences. The migration to internal authentication is a direct response to a directive from the Bangko Sentral ng Pilipinas (BSP) to phase out SMS-based OTPs by June 2026.

Furthermore, the shift aligns with the country’s Anti-Financial Account Scamming Act (AFASA), which mandates stricter safeguards to curb digital fraud.

For years, cybercriminals have targeted SMS-based verification codes through various spoofing and phishing tactics to gain unauthorized access to accounts.

By routing OTP requests directly through the user’s authenticated GCash app, the platform ensures that only the rightful account owner can receive and use the unique codes.

Beyond security, the switch brings some much-needed convenience. The instant, one-tap authentication removes the annoying hurdle of switching between apps, copying codes, or waiting for delayed text messages to arrive in areas with poor cellular signal.

To get in-app OTPs on the GCash app, simply turn on Push Notifications on your iOS or Android device.

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