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                    [ArticleID] => 2556973
                    [Title] => Lower InstaPay fees spur digital payments – study
                    [Summary] => 
Removing InstaPay transfer fees doubled transaction activity among DiskarTech users and increased it by about 30 percent among Pulz users, according to a study showing how charges can influence Filipinos’ use of digital payments.

                    [DatePublished] => 2026-09-18 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/09/17/19_2026-09-17_18-41-59368_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2551693
                    [Title] => Fee waivers deepen digital engagement
                    [Summary] => 
Free transfers are driving smaller, more frequent digital payments, benefiting Mynt engagement but pressuring bank fees.

                    [DatePublished] => 2026-08-24 10:02:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2543433
                    [Title] => Free transfers intensify deposit competition
                    [Summary] => 
Fee waivers may modestly cut bank earnings but could deepen customer activity, deposits and cross-selling opportunities.

                    [DatePublished] => 2026-07-20 15:45:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2540294
                    [Title] => List of banks, e-wallets that cut, waived InstaPay, PESONet transfer fees
                    [Summary] => 
(2nd update) Digital transfer fees are falling as banks and e-wallets adjust to new BSP pricing rules.

                    [DatePublished] => 2026-07-10 08:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/06/waived-transfer-fees-pesonet-instapay_2026-07-06_20-34-00235_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2540005
                    [Title] => GCash lowers transfer fee to P10
                    [Summary] => 
Fintech company GCash has lowered its transfer fee to P10 as of July 4.

                    [DatePublished] => 2026-07-05 10:40:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807953
                    [AuthorName] => Ian Laqui
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2023/11/25/11_2023-11-25_18-17-00971_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2539586
                    [Title] => RCBC to offer free Instapay transfer starting July 4
                    [Summary] => 
InstaPay transfers will be free of charge on 2 RCBC digital banking apps starting July 4. 

                    [DatePublished] => 2026-07-03 16:38:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808965
                    [AuthorName] => Renalyn Ramirez
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/03/rcbc-plaza_2026-07-03_16-37-22287_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2536340
                    [Title] => Digital payments pricing reset begins
                    [Summary] => 
Lower transfer fees could boost digital payments use, but banks may face pressure on transaction fee income.

                    [DatePublished] => 2026-06-19 11:33:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2536156
                    [Title] => Freeze on adjustments in InstaPay, PESONet  transfer fees lifted
                    [Summary] => 
The moratorium on fee increases for InstaPay and PESONet transactions has been lifted, allowing payment service providers to adjust charges under a new pricing framework for electronic fund transfers.

                    [DatePublished] => 2026-06-19 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/18/32026-03-2818-52-29_2026-06-18_20-11-15226_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2517486
                    [Title] => PESONet, InstaPay transfers rise to P2.6 trillion
                    [Summary] => 
The value of electronic fund transfers coursed through PESONet and InstaPay climbed to P2.58 trillion in January, driven by sustained growth in digital payments adoption and higher transaction activity.

                    [DatePublished] => 2026-03-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/28/3_2026-03-28_18-52-29508_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2505021
                    [Title] => Metrobank Instapay fee reduced to P8
                    [Summary] => 
Metropolitan Bank (Metrobank) has lowered its InstaPay transfer fee to P8 per transaction, effective Sunday, February 1.

                    [DatePublished] => 2026-02-01 17:25:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807953
                    [AuthorName] => Ian Laqui
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2022/11/28/metrobank_2022-11-28_19-14-49543_thumbnail.jpg
                )

        )

)

InstaPay

Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2556973
                    [Title] => Lower InstaPay fees spur digital payments – study
                    [Summary] => 
Removing InstaPay transfer fees doubled transaction activity among DiskarTech users and increased it by about 30 percent among Pulz users, according to a study showing how charges can influence Filipinos’ use of digital payments.

                    [DatePublished] => 2026-09-18 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/09/17/19_2026-09-17_18-41-59368_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2551693
                    [Title] => Fee waivers deepen digital engagement
                    [Summary] => 
Free transfers are driving smaller, more frequent digital payments, benefiting Mynt engagement but pressuring bank fees.

                    [DatePublished] => 2026-08-24 10:02:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2543433
                    [Title] => Free transfers intensify deposit competition
                    [Summary] => 
Fee waivers may modestly cut bank earnings but could deepen customer activity, deposits and cross-selling opportunities.

                    [DatePublished] => 2026-07-20 15:45:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2540294
                    [Title] => List of banks, e-wallets that cut, waived InstaPay, PESONet transfer fees
                    [Summary] => 
(2nd update) Digital transfer fees are falling as banks and e-wallets adjust to new BSP pricing rules.

                    [DatePublished] => 2026-07-10 08:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/06/waived-transfer-fees-pesonet-instapay_2026-07-06_20-34-00235_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2540005
                    [Title] => GCash lowers transfer fee to P10
                    [Summary] => 
Fintech company GCash has lowered its transfer fee to P10 as of July 4.

                    [DatePublished] => 2026-07-05 10:40:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807953
                    [AuthorName] => Ian Laqui
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2023/11/25/11_2023-11-25_18-17-00971_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2539586
                    [Title] => RCBC to offer free Instapay transfer starting July 4
                    [Summary] => 
InstaPay transfers will be free of charge on 2 RCBC digital banking apps starting July 4. 

                    [DatePublished] => 2026-07-03 16:38:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808965
                    [AuthorName] => Renalyn Ramirez
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/03/rcbc-plaza_2026-07-03_16-37-22287_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2536340
                    [Title] => Digital payments pricing reset begins
                    [Summary] => 
Lower transfer fees could boost digital payments use, but banks may face pressure on transaction fee income.

                    [DatePublished] => 2026-06-19 11:33:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2536156
                    [Title] => Freeze on adjustments in InstaPay, PESONet  transfer fees lifted
                    [Summary] => 
The moratorium on fee increases for InstaPay and PESONet transactions has been lifted, allowing payment service providers to adjust charges under a new pricing framework for electronic fund transfers.

                    [DatePublished] => 2026-06-19 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/06/18/32026-03-2818-52-29_2026-06-18_20-11-15226_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2517486
                    [Title] => PESONet, InstaPay transfers rise to P2.6 trillion
                    [Summary] => 
The value of electronic fund transfers coursed through PESONet and InstaPay climbed to P2.58 trillion in January, driven by sustained growth in digital payments adoption and higher transaction activity.

                    [DatePublished] => 2026-03-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/28/3_2026-03-28_18-52-29508_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2505021
                    [Title] => Metrobank Instapay fee reduced to P8
                    [Summary] => 
Metropolitan Bank (Metrobank) has lowered its InstaPay transfer fee to P8 per transaction, effective Sunday, February 1.

                    [DatePublished] => 2026-02-01 17:25:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807953
                    [AuthorName] => Ian Laqui
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2022/11/28/metrobank_2022-11-28_19-14-49543_thumbnail.jpg
                )

        )

)

abtest