the digital banker

MAYA has been named Best Digital Bank in the Philippines for the third consecutive year by The Digital Banker, most recently at its Global Retail Banking Innovation Awards 2025. The recognition affirms Maya’s impact in making banking simpler, more open, and more connected—linking millions of Filipinos and merchants through one integrated platform built on technology and trust.

The award highlights how Maya Bank has expanded financial access while achieving profitability in just three years.  

As of Q2 2025, Maya serves 8.2 million bank customers—more than double from a year ago—and 2.1 million borrowers, more than 50% of whom are first-time formal borrowers. It manages ₱50 billion in deposits and ₱25 billion in outstanding loans, with ₱152 billion in total loans disbursed since launch. 

“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 reaches a fast-growing, underserved segment—young, digital-first Filipinos and MSMEs with little or no credit history. Maya enables instant onboarding with just one ID and uses alternative data to assess creditworthiness and extend responsible credit. 

Products like the Maya Black Credit Card bridge inclusion and aspiration. Its deposit-backed Express feature gives first-time borrowers access to premium credit, while connecting merchants to a growing base of high-spending, credit-active users.  

Maya also redefined saving and spending by offering higher deposit rates to active users and by linking credit, savings, payments, and investments within one seamless platform.  

The same ecosystem serves businesses—from MSMEs using the Maya Business app to large enterprises via Maya Business Manager—creating an all-in-one network for consumers and merchants alike. 

Each transaction in this ecosystem strengthens the whole. Consumers earn rewards when they pay with Maya, merchants reach more active customers, and every purchase generates data that shapes smarter, more personalized products—deepening engagement, loyalty, and everyday use. 

Behind this innovation is Maya’s proprietary technology and AI stack, built in-house. It enables faster innovation, better risk management, and greater flexibility than legacy systems. Maya’s AI models handle credit scoring, pricing, and fraud detection—helping the company scale responsibly while keeping its non-performing loan ratio around 3.5%, below the industry average. 

“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.” 

Maya has cemented its position as the country’s undisputed best digital bank, earning top honors from multiple international institutions. It has been named Best Digital Bank in the Philippines for three consecutive years by both Hong Kong-based Asian Banking & Finance and London-based Global Finance, and was also recognized among the World’s Best Banks by Forbes Magazine.