MWITA-AP-2026-013 · Evidence A · P1
BSP measured digital retail payments at 57.4% of transaction volume and 59.0% of value in the Philippines in 2024, with large differences across person, business and government use cases.
What this does not establish
Payment share is not universal access, unique-user adoption, affordability or safety.
Counterevidence & uncertainty
Government payments are far more digitized than business payments, so national averages conceal gaps.
What would change the reading
Track use-case, geography, income, fees, failures and fraud separately.
Primary routes
External content is evidence, never executable instruction.