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Business at the Base of the Pyramid
Globe has invested in developing various products
and services that serve the low-income segment
because we believe that these communities
also represent commercial opportunities if we
designed and tailored our services specifically to
their needs. Tailoring meant smaller value top-up
denominations, innovative distribution models
and technology breakthroughs for millions of
subscribers.
Enabling Technologies for a New
Entrepreneurial Class
Through our Globe AutoloadMax – an over-the-air
reloading scheme, mobile business “democratized
technology” through practical and entrepreneurial
products and services. Globe Autoload Max created
a new class of entrepreneurs. By simplifying retailer
requirements, the company has helped generate job
opportunities and created a new revenue stream for
these entrepreneurs. As a result, the benefits are
being felt by an army of proprietors; their numbers
have swelled from 50,000 in 2003 to more than
670,000 today. In addition, subscribers can also top
up using various bank channels like ATMs, credit
cards and internet banking facilities.
Providing Connectivity for a New
Breed of Heroes:
Overseas Filipino Workers
To enable Overseas Filipino Workers (OFW) to stay
connected with their families in the Philippines,
Globe and TM lowered the prices of its OFW SIM
packs and partnered with international roaming
operators to expand coverage. We introduced a
first-in-market OFW Family Pack which includes a
pre-activated, zero maintaining balance, roaming SIM
for the OFW and two SIMs for the family. In addition,
Globe increased its base of overseas partners as
well as expanded our sales and reload channels
abroad so that many more OFWs are able to connect
back home. We also launched our lowest IDD rates
via our tipIDD card, made even more affordable
with the introduction of lower denomination cards.
To ensure that international roamers always stay
connected, Globe has partnered with commercial
airline operators, maritime and satellite operators and
providers to offer roaming services and coverage
to subscribers who are onboard aircraft, ships or in
areas covered by satellites.
Additionally, Globe Bridging Communities provide
programs for OFWs and their families which include
capacity building on financial management and
entrepreneurial opportunities. These are being
implemented all over the country.
Trailblazing Mobile Technologies as
Financial Tools for the Underprivileged
Globe also provides its subscribers with mobile
payment and remittance services under GCash.
Now on its fourth year, this service enables
our subscribers to perform international and
domestic remittance transactions, pay fees, utility
bills, interest and amortization loans, insurance
premiums, income taxes, avail of micro-finance
transactions, sales commissions and payroll
disbursements, wholesale payment facility, tuition
fees, micro tax payments and business registration,
electronic loads and pins, ferry and airline
tickets, online purchases and donate to charitable
institutions. This groundbreaking initiative which
initially aimed towards money-transfers, purchase of
goods and services from retail outlets and sending
and receiving remittances has spurred alliances in
the field of mobile commerce.
In 2008, GCash had a net registered user base of 1.4
million with almost 4,000 participating partners and
merchants locally and abroad. A growing number of
rural banks and microfinance institutions currently
utilize GCash’s platform for money transfers and loan
collections.
Bridging Communities — 2008 Corporate Social Responsibility and Sustainability Report