WINNING | Skyro Flexi gives Filipinos more control over loans

Insider Spotlight

• Flexible repayments: Skyro Flexi allows borrowers to adjust monthly payments or due dates directly through its mobile app
• Strong adoption: Around 40% of Skyro customers have activated Flexi, with 60% of those users making adjustments
• Regional recognition: Skyro wins the Philippines Consumer Service Innovation of the Year – Financial Technology award at the Asian Innovation Excellence Awards 2026
  
  
  

As Filipino borrowers navigate unpredictable income and unexpected expenses, fintech company Skyro is challenging traditional lending models by giving customers greater control over their repayment schedules through its Flexi service.

The recognition

Skyro's customer-focused innovation earned the Philippines Consumer Service Innovation of the Year – Financial Technology award at the Asian Innovation Excellence Awards 2026, held October 20 in Singapore.

Why it matters 

Unlike conventional lending arrangements that often require customer service intervention, Skyro Flexi enables borrowers to modify payment amounts or due dates directly through the company's mobile application.

The automated, self-service feature eliminates paperwork, manual verification, and the need to explain financial difficulties.

By the numbers

Around 40 percent of Skyro's customer base has activated Flexi, with 60 percent of those customers using the service to adjust repayment terms.

Meanwhile, 87 percent of customer satisfaction surveys and app reviews mentioning Flexi expressed positive sentiment.

Driving innovation

Skyro head of product Dmitriy Vavulidi said in a statement the service reflects the company's commitment to making lending more responsive.

“When we developed Skyro Flexi, we wanted to challenge the idea that customers should always have to follow a fixed repayment schedule, even when their circumstances change,” said Dmitriy. “Behind these features is a lot of product and technology work. But for us, the real innovation is making that flexibility simple, accessible, and useful for customers.”

The bigger picture

Skyro has released more than 3 million loans and attracted over 7 million registered mobile app users, highlighting its expanding presence in Philippine consumer finance.

What they're saying: Skyro COO Ira Franco emphasized the company's customer-first philosophy.

“At Skyro, we've always believed that financial services should adapt to people's lives, not the other way around,” Franco said. “It's not just about introducing new technology or features. It's about understanding what our customers need and finding practical ways to make their financial experiences better.”

What's next

Skyro's approach signals a broader opportunity for fintech lenders to combine repayment flexibility with sustainable portfolio growth, making financial services more adaptable to customers' changing circumstances. —Ramon C. Nocon | Ed: Corrie S. Narisma