Maya has once again secured top honors as the Best Digital Bank in the Philippines at the Global Retail Banking Innovation Awards 2025. May has earned this recognition three years in a row, underscoring its sustained leadership in simplifying and connecting banking experiences for millions across the country.
Expanding Access to Banking and Credit
Since its launch, Maya has rapidly expanded financial access across the Philippines, achieving profitability in just three years. As of the second quarter of 2025, Maya serves 8.2 million bank customers—more than double the previous year’s figure—and 2.1 million borrowers, over half of whom are first-time formal borrowers. With a managed deposit base of PHP 50 billion and PHP 25 billion in outstanding loans, Maya has disbursed a total of PHP 152 billion in loans since inception.
Driving Inclusion Through Fintech Innovation
Maya targets the fast-growing segment of digital-first Filipinos and underserved micro, small, and medium enterprises (MSMEs) who traditionally face barriers to formal financial services. The bank enables instant onboarding with just one ID and leverages alternative data for credit assessment, making responsible credit more accessible.
Integrated Platform and Innovative Products
Maya’s ecosystem connects consumers and merchants on a single, seamless platform. Products like the Maya Black Credit Card, along with features such as deposit-backed express credit for new borrowers, create both inclusion and upward mobility. Active users benefit from higher deposit rates and access to credit, savings, payments, and investments within the same platform.
Empowering Businesses and Everyday Transactions
The Maya Business app and Maya Business Manager cater to MSMEs and larger enterprises alike. Each transaction within this network fortifies consumer and merchant connections, generating data that powers rewards, smarter products, and personalized experiences.
Leadership and Technology at the Core
Maya’s proprietary technology and AI stack, developed in-house, enables rapid product innovation, strong risk management, and scalability. The company’s AI models power credit scoring, pricing, and fraud detection, maintaining a non-performing loan ratio of around 3.5%—significantly below industry averages.
A Vision for Inclusive Growth
Leadership at Maya emphasizes the transformation their platform brings. “When you bring everything together in one trusted, intelligent platform, banking becomes simpler, fairer, and more human—helping people and businesses grow side by side,” said Shailesh Baidwan, President of Maya Group and Co-Founder of Maya Bank.
Angelo Madrid, President of Maya Bank, added, “This is about millions of Filipinos having easier access to financial tools that were previously out of reach. Every new account, every extended credit, and every transaction represent someone gaining more control over their future.”
Frequently Asked Questions (FAQ)
Q: What award did Maya win in 2025?
A: Maya was named Best Digital Bank in the Philippines for the third consecutive year at the Global Retail Banking Innovation Awards 2025.
Q: How many customers does Maya currently serve?
A: As of Q2 2025, Maya serves 8.2 million bank customers and 2.1 million borrowers.
Q: What makes Maya’s platform unique?
A: Maya integrates banking, payments, credit, investments, and business solutions into an all-in-one digital platform, enhanced by proprietary AI and fintech innovations.
Q: How does Maya support financial inclusion?
A: Maya simplifies onboarding, uses alternative data to assess credit, and develops products designed for young Filipinos and MSMEs, thus enabling first-time formal borrowing.
Q: What is Maya’s approach to technology and risk?
A: Maya operates with a fully in-house technology and AI stack, allowing fast iteration and strong risk controls, resulting in a low non-performing loan ratio.
For more information on Maya and its offers, click here.
Emman has been writing technical and feature articles since 2010. Prior to this, he became one of the instructors at Asia Pacific College in 2008, and eventually landed a job as Business Analyst and Technical Writer at Integrated Open Source Solutions for almost 3 years.
