Designed
for everyday.
made
for millions.
Who We Are
Maya is the leading digital financial services platform in the Philippines and the only one serving both consumers and businesses with a comprehensive suite of financial products and services.
We help consumers spend flexibly, save securely, borrow easily, and invest confidently while giving businesses the tools to transact quickly, deposit safely, borrow seamlessly, and grow at scale.
Consumers
The Maya app is designed to be a primary financial account where customers can spend flexibly, save securely, and borrow easily and invest confidently.
Businesses
Through Maya Business Manager and Maya Business app, business customers have access to tools to rapidly transact, conveniently deposit, seamlessly borrow, and comprehensively grow.
operational highlights
how we deliver everyday finance at scale
Millions now rely on Maya to pay, save, borrow, and move money.
Data, technology, and disciplined execution enable sustainable
growth,
stable funding, responsible credit
expansion, and stronger customer trust.Â
₱67.7B
Consumer Deposits
(+72% YoY)
51%
Share of all
Digital Bank Loans
6.1%
Non-Performing Loans
(NPL) Ratio
positive
net income
Consumer banking
Consumer Deposit
Maya’s consumer deposit products combine everyday savings, goal-based accounts, and flexible term deposits, rewarding higher engagement with higher earnings while strengthening funding and supporting customers’ diverse financial needs.
Consumer Lending
Maya Bank expanded formal credit access through Maya Easy Credit, Personal Loans, and Credit Cards, providing a graduated lending journey supported by data-driven underwriting, responsible growth, and risk discipline.
The Tech Editor’s
Go-to Money AppÂ
Maya gives me peace of mind because I can monitor my transactions on the go. I enjoy being able to tap to pay when I travel abroad through Google Pay and appreciate Maya’s reasonable transaction fees, integrated credit cards, time deposits, and convenient government services and tax payments.
Duey Guison
Tech EditorÂ
Building a Strong
Foundation for My
Financial Health
Maya Savings gave me the structure I needed for managing and growing my money. Monthly goals, visible progress, and clear interest requirements made saving feel practical and achievable. It’s engaging, but not intimidating. You know what you need to do to earn the interest.
Martin Regulano
Business Development Manager
business banking
Maya Bank connects payments, deposits, and lending in a single
ecosystem, turning everyday transactions into funding, insights, and
credit access for MSMEs
and enterprises.
Business Lending
Maya Advance, Maya Flexi, and Maya Suki Credit provide working capital through transaction-based underwriting, aligning repayments with real cash-flow behavior.
Business Deposit
Business Deposits combine settlement, interest-bearing accounts, and simple onboarding—helping merchants manage cash flow and grow their business.
How an All-in-One App
Became the Backbone
of My BusinessÂ
Maya Advance helped me recover quickly when a fire destroyed my travel agency and financial services business. Because the credit line was based on my transaction history, I could access funds through the Maya Business App without extensive requirements or collateral. Today, Maya supports everything from remittances and bill payments to large group bookings. It has become the backbone of my business.
Weng Cipriano
Business Owner, Maramag, Bukidnon
When Cashflow Stops
Being a Guess
I used to feel anxious because I never knew whether I would have enough money to restock my store. Maya Advance gave me access to capital for fast-moving goods such as rice and soft drinks, which helped me build more predictable cash flow.
Maxima Boyboy
Sari-sari Store Owner, Murcia, Negros Occidental
How we
manage
credit
Credit and Portfolio Management
Maya Bank scaled its credit franchise with data-led underwriting, responsible use of alternative data, and modern risk models, expanding access while protecting portfolio quality.
Credit Operations
Calibrated approvals, targeted collections, risk-based segmentation, and automation kept credit responsible as the portfolio grew.
How we control
financial crimes
Fraud Management
Maya Bank strengthened anti-fraud capabilities with enhanced governance, industry collaboration, and embedded controls—supporting scam prevention and safer lending.
Anti-Money Laundering (AML)
Recalibrated transaction monitoring, stronger watchlist screening, and continuous rule governance improved detection as volumes grew.
How we operate at scale
Building and Owning the Platform
Maya expanded ownership of its technology stack, optimized onboarding processes, and strengthened data capabilities, reducing external dependency while improving operational efficiency, fraud controls, governance, and scalability.
Running Core Operations Reliably
Automation, identity verification, and stronger controls improved onboarding, fulfillment, and reconciliation—with reliability that held as volumes grew.
Making the System Smarter
Maya expanded AI across credit, fraud, engineering, and customer operations, backed by formal governance, training, and trusted data.
Scaling with Discipline
Shared standards, reusable technology, industry collaboration, supported consistent, reliable delivery as the organization grew.
How we know and serve our
customer better
From Customer Voice to
Sustainable Solutions
Our Close-the-Loop Program turns customer feedback into measurable improvements, reinforcing trust, accountability, and continuous improvement.
Human-Centered, Tech-Enabled Support
Self-service, automation, and AI-powered support deliver faster resolutions and simpler experiences, with human intervention for the moments that matter most.
Governance and Responsible
Service Delivery
Customer Success operates within risk and compliance frameworks, with monitoring, escalation, and complaint management that keep engagement fair and transparent.
corporate governance
Governing the Institution
As Maya Bank grows, the Corporate Governance function distills how we exercise authority, review decisions, and maintain accountability. Our Corporate Governance Manual embeds these principles across every part of the Bank.
A culture of good governance
The Bank defines and implements governance standards across the organization to guide conduct and decision‑making. Every director, officer, employee, and partner is held to the same standards—in how we treat customers, regulators, partners, and the public. Four principles anchor these standards.
Fairness
Decision-making that treats stakeholders equitably and balances their interests.
Accountability
Clear roles and authorities—with individuals answerable for their decisions and outcomes.
Integrity
Full compliance with laws, regulations, and ethical standards that protect the Bank's reputation.
Transparency
Timely, accurate, and relevant disclosure that enables genuine stakeholder scrutiny.
keeping banking fair and safe
Maya protects customers and the financial system through consumer protection, independent compliance oversight, and controls that prevent financial crime.
Reliable Consumer Protection
Clear terms, fair pricing, transparent disclosures, and complaint resolution aligned with BSP standards.
Strong Compliance CultureÂ
An independent Compliance Management function, led by the Chief Compliance Officer and reporting to the Board, safeguards accountability and sound governance.
Fraud Controls
Anti-money laundering, terrorism financing, and proliferation financing controls combine customer due diligence, transaction monitoring, staff training, and independent testing to detect and prevent financial crime.Â
Audits and checks
that build trust
Independent audit and risk review functions provide assurance over
governance, risk management,
and controls, strengthening resilience, accountability, and
stakeholder confidence.
Internal Audit
Internal Audit provides independent assurance to the Board through risk-based reviews covering governance, controls, compliance, technology, cybersecurity, fraud, resilience, data, automation, and emerging risks.
External Audit
The Audit Committee oversees external audit independence, scope, findings, and management actions. SyCip Gorres & Velayo & Co,
a member of Ernst & Young Global Limited audits the Bank’s 2024
and 2025 financial statements.
risk management
As financial activity grows, Maya Bank manages risk within clearly defined boundaries, supported by continuous monitoring, timely escalation, and disciplined oversight that sustains customer trust.
Our Enterprise Risk Management framework supports sustainable growth through consistent risk identification, measurement, monitoring, control,
and reporting.
three lines of defense
The Bank applies the Three Lines of Defense model to separate risk ownership, oversight, and independent assurance.
First Line of Defense—Business Units
Own and manage risks within Board-approved appetite, embedding controls in daily operations.
Second Line of Defense—Risk
Management and Compliance
Independent functions that set frameworks, monitor exposures, challenge the first line, and escalate material issues.
Third Line of Defense—Internal Audit
Independent assurance on governance, risk, and controls—reporting findings to the Audit Committee.
sustainability
building
financial health
at scale
For Maya, sustainability starts with financial health—a measurable outcome
of how we design products, manage risk, protect customers, and sustain
safe participation over time.
ESGÂ Framework
Maya's ESG framework applies to both Maya Bank and Maya Philippines and it guides how we manage risk, use resources, protect customers, and sustain trust—applying consistent principles across distinct regulatory environments. Three commitments translate into how financial participation is designed and governed.
esg commitments
Environmental
Minimizing footprint through cloud native infrastructure, energy efficiency, and low carbon practices
Social
Empowering Filipino consumers and MSMEs through inclusive, secure, and accessible financial tools
Governance
Embedding strong controls, data ethics, and transparency across every interaction
esg pillars
Respect for Resources
Maya minimizes its footprint through responsible use of energy, materials, and technology. Sustainability is built into operating design, not run as a separate program.
Respect for Transparency
Maya promotes safe, informed participation by educating consumers, preventing fraud, and working together within the ecosystem—helping people make sound financial decisions and avoid unnecessary losses.
Respect for Communities
Maya delivers inclusive access to everyday finance, embeds tools that turn participation into stronger long-term outcomes, and supports the workforce capability that delivers on these commitments.x
Respect for People
Maya anchors accountability through ethics, data protection, risk discipline, and capability building, so responsible participation can scale.
