Maya’s fintech model fuels growth and inclusion across PH

Maya’s rapid growth is reshaping the Philippine banking landscape, proving that inclusion and profitability can thrive in one digital ecosystem.

The fintech-led bank was recently named Best Digital Bank in the Philippines for the third straight year by The Digital Banker at its Global Retail Banking Innovation Awards 2025, reaffirming its role in expanding access to finance while maintaining strong business fundamentals.

Why it matters

Maya has built one of the country’s largest and most connected financial ecosystems—linking consumers and merchants through a single, tech-driven platform. 

The model demonstrates how a digital-first approach can close the gap for millions of underserved Filipinos and small businesses.

By the numbers

• 8.2 million bank customers as of Q2 2025—more than double year-on-year
• 2.1 million borrowers, over half of them first-time formal borrowers
• P50 billion in deposits and P25 billion in outstanding loans
• P152 billion in total loans disbursed since launch
• Maya achieved profitability in just three years, an uncommon feat in the local fintech scene

Driving inclusion through innovation:

“This award affirms the power of an all-in-one fintech platform to drive both inclusion and growth,” said Shailesh Baidwan, president of Maya Group and co-founder of Maya Bank. “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.”

Maya’s end-to-end digital experience enables instant onboarding with just one ID, while its AI-powered credit models use alternative data to extend responsible credit to those with limited histories.

Shailesh Baidwan

President of Maya Group

Products that bridge access and aspiration:

Offerings like the Maya Black Credit Card  connect inclusion with aspiration. Its deposit-backed Express feature gives new borrowers a gateway to premium credit, while merchants benefit from access to a rising base of active, credit-savvy spenders.

The bigger picture:

“This isn’t just about technology—it’s about the millions of Filipinos who now have easier access to financial tools that used to be out of reach,” said Angelo Madrid, president of Maya Bank. “Every new account opened, every credit extended and every transaction made represents someone gaining more control over their financial future.”

With multiple global recognitions—including honors from Asian Banking & Finance, Global Finance, and Forbes—Maya is cementing its status as the Philippines’ most awarded and fastest-growing digital bank, blending technology, trust, and inclusion into a sustainable growth story. —Ed: Corrie S. Narisma