Bizmopay Pilot Program Rapidly Expanding, page-20

Who knows where the bottom is Cholocar, but buying in at this price you would still be buying cheaper then most shareholders averages around here by the sound of it, me included.

Just looking at MYNT another financial service provider in the Philipinnes and couldn't help but notice the variety of fintech style loans they are offering.
loans for the unserved and underserved emerging young professionals.
no doc loans
closed loop credit lines
digital salary loans
business loans

also take a look pearlpays website (pearlpay.com) in their news section, they have a specific section about financial inclusion and why filipinos remain unbanked. This is a really good read if you're wanting a further understanding of the underbanked, It not just remote areas as I thought it's everywhere for all sorts of different reasons.

Cholocar, you are right on the money imo with this comment "ph is in its infancy in the digital uptake"