Apps

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.

Published

October 31, 2025

Her

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

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

SMS-based codes will be phased out by June 22

Published

June 6, 2026

GadgetMatch

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.

Apps

The No-Nonsense guide to mid-year shopping

Let AI do the heavy lifting for you this Lazada 6.6 Super WOW Sale

Published

June 5, 2026

MJ Jucutan

The mid-year sale season is here, but the days of mindless impulse buying are over.

Shoppers are shifting toward intentional, value-driven decisions, focusing on quality, authenticity, and actual utility over flashy, low-quality gimmicks.

From 8:00 PM on June 5 until 11:59 PM on June 8, 2026, the Lazada 6.6 Super WOW Sale is dropping major discounts. But the real win is using the platform’s tools to maximize your budget.

Lock in the baseline discounts

Before diving into specific items, map out how to stack the core offers.

You can stretch your money by hunting down LazFlash Deals for up to 90% off, collecting up to PhP 3,000 in stackable vouchers, and ensuring every order qualifies for the free shipping offers available throughout the event.

True value comes from combining these three layers of savings on things you already need.

Jisulife: One of the participating, trusted brands you can get from LazMall

Filter for authentic value

Shopping smart means avoiding the trap of “too good to be true” counterfeits that end up in the trash.

Data shows a massive consumer shift toward trusted quality, with LazMall growth vastly outperforming standard listings during major sales.

To ensure your money goes toward genuine products with real warranties, restrict your browsing to official, brand-certified stores.

If you are upgrading your tech, parenting gear, or wardrobe, look to trusted names anchoring the sale like UGREEN, JisuLife, ANTA, Maserati Watches, Momcozy, and O.TWO.O.

UGREEN: One of the participating, trusted brands you can get from LazMall

Outsmart the noise with built-in tech

Don’t waste hours scrolling through endless listings or guessing which product is better.

The smartest way to navigate a massive mid-year event is to let the platform’s built-in features cut through choice paralysis.

Tools like AI Lazzie and AI Picks allow you to instantly compare similar items, analyze prices, and get personalized recommendations based on actual data rather than generic marketing hype.

Smart Shopper Tip: True value is a mix of the right price, verified authenticity, and a seamless return policy. Use this sale period to stock up on everyday essentials and high-quality upgrades rather than panic-buying items you’ll regret later.

Apps

Meta adds subscriptions for Facebook, Instagram, and WhatsApp

Published

May 28, 2026

Luigi Leonardo

Is your wallet buckling from the weight of so many subscription services? Well, Meta has a trio of new subscriptions for you to sink your hard-earned cash towards. If you have a few dollars, here’s Facebook Plus, Instagram Plus, and WhatsApp Plus.

All three subscriptions are designed to add new features which can enhance the experience for those who practically live on these apps. Among the three, Instagram Plus is the meatiest. It offers users the ability to view other people’s Stories without showing up as a viewer, create more tailored audiences outside of Close Friends, and extend the duration of a Story beyond 24 hours, among others.

View this post on Instagram

Since it shares similarities with Instagram, Facebook Plus offers much of the same features. WhatsApp Plus, however, offers more customization options including new themes, ringtones, and stickers.

If that’s not enough, Meta has also released a new subscription system for Meta AI. Though the basic use of the AI is still free, the new Meta One Plus and Meta One Premium plans offer more capacity and performance for power users. The company is also testing new creator-focused plans, Meta One Essential and Meta One Advanced.

Of course, the new AI-based plans are more focused on those who actually use the AI software. Meanwhile, the three app plans are more for regular users. Facebook Plus and Instagram Plus will cost US$ 3.99 per month. Meanwhile, WhatsApp Plus will cost US$ 2.99 per month.