Philippe: We have 19B budget allocated for the IT infrastructure. Feeling ko kailangan pa nilang mag-invest into our IT infrastructure.
Sheigfred: Pagdating sa Infrastructure sa function, how the server would handle the high traffic, minsan nagdodown pa, ‘di ba? Kung kelan kailangang kailangan mo saka wala.
Philippe: But I’m happy enough na nagiging high-tech, medyo late lang. Kasi sa US, it’s been happening for more than two decades na na everything is online.
Sheigfred: Parang behind naman daw tayo lagi sa US ng 10-20 years.
Philippe: What sector of the Philippines do you think na kailangan i-improved?
Sheigfred: Feeling ko yung security ng mga data natin, yung infrastructure natin feeling ko doon.
Philippe: Di ba maraming na hahack na goverment website. Sa tingin mo yung mga hacks internally or externally?
Sheigfred: Uh, majority. Feeling ko ***.
Philippe: Yan ang problem.
Philippe: Di ko lang alam yung, in terms of infrastructure, for example, yung mga BIR. Although, nag improve na yung website nila and meron na silang campaign for modernization. Now everything is going to be online na.
The thing is, ang tanong, Okay ba yung infrastructure nila in terms of their data center, their servers, yun nag mamanage ng website nila, yung mga e-services nila? Kasi if you go to BIR, let’s look at BIR. Di ko alam if updated. I haven’t been here now. Oh, updated na.
Philippe: Dati kasi, if you go to like BIR.gov.ph, pwede kang mag register nang e-tin. Makakakuha ka ng e-tin number? And that was siguro more than—medyo matanda na ako—more than like 15 years ago.
Philippe: Nakakuha ako ng tin from there. Ang problem, tapos yon yung time na pag makita mo yung website parang, very outdated na yung time na yun ha, yung website. Na parang, hindi naman sa bulok, parang, elementary yung gumawa. Pero naka pag register ako. Nakakuha ako ng tin number.
And then, since nakakuha ako ng tin number, nalaman laman ko lang years after, nung nag work na ako, and then na verify ko yung tin and everything. Na naka register siya sa Pasig. Yung RDO ko—pag nag register online before, automatic nasa Pasig ka. Eh taga QC ako. Dati, paanong naging Pasig eh QC ano ako, I’m a QCitizen, right?
Philippe: And I used to work in Pasig, but hindi ibig sabihin yung time na nakuha ko yung TIN number ko, is dapat registered in Pasig. Apparently, pag nag register ka ng TIN, whichever, wherever you register it, you have to find your RDO. Kung let’s say taga Quezon City ka, punta ka sa Quezon City RDO branch. Kung taga Muntinlupa ka, punta ka sa branch ng BIR don.
Hindi sya centralized. Dapat meron kang home kumbaga. For example, alam nyo Anytime Fitness Gym? ‘Di ba parang Jollibee, kahit saan may Anytime Fitness, ‘di ba? If you go to Anytime Fitness here dito sa SM, yan ang magiging home gym mo. Pero, pwede ka mag gym anywhere, anytime, any branch, right? Pero yung home, kung saan ka nagpa membership, don na dito sa SM North.
Philippe: So ganon din ang BIR. If you have your TIN, nag register ka, let’s say taga QC ka, nag register ka sa Pasig, don na sa Pasig ka na. Yun lang, that time, going back, syempre expect mo pag online centralized na sya, hindi pala. So ang dami kong kailangang gawin, ayusin, para maging QC home TIN address ko.
Now, going dito sa BIR.gov.ph, kahit papaano na ano sya, what do you call this? Na improved sya. Let’s, share ko lang yung ano ko dito. Let’s see kung, yan, napunta dito. Kahit papaano oh ‘di ba medyo maganda na dati kasi outdated eh o dati wala tong mga to ETC ah E1 Net one’s Onet AFS
Mclain: Parang ginawa nilang in general ah even with SEC, ganyan na ganyan na rin sila eh.
Philippe: Si SEC modern. Well ano na si SEC ngayon if you go to the SEC website pwede ka na mag is that KYC verification para if you want to start a business online na lahat. So it’s really modern. Pero for example ito BIR forms. Ito nakakatawa. Buksan natin yung isa. It tells you. So makakita mo lahat ng mga iba-ibang BR forms, right? Alam ko.
Mclain: May link na siya dapat eh.
Philippe: To download offline BIR package, click here. So pag dinownload mo dito, you don’t, siguro da-download mo to lahat. Dapat nga forms na yan.
Mclain:Oo. Dapat may link na siya. ‘Di ba naka-hyperlink na dapat?
Philippe: Oo. Pero kasi naalala ko dito pag dinownload mo PDF, so kailangan mo pa din na software para
Sheigfred: ma fill up’an.
Philippe: Yes. Yung iba kasi hindi naman IT, hindi naman marunong, ipi-print nila sa internet shop, pirma.
Mclain: Dapat may option eh. Merong online and then offline.
Philippe: Hindi pa nga to ano, hindi pa nga update pero compared to yung time na nag-register ako dati okay naman siya. Maayos na nga o ba medyo modern na kahit papaano ba pero we’re late in the game. Itong design. Okay. Parang more than 5 years ago itong design eh. Medyo updated. Let’s tingin nga tayo ng ano.
Mclain: Ano yan? Same design. Different ano lang?
Philippe: IRS USA. Yung yung IRS sa USA is RBR the BIR in the US. So let’s look at their ano. Oh ‘di ba kahit papaano although medyo para sa akin yung design medyo off lang pero
Mclain: Ano pa rin eh.
Philippe: Tingnan mo. Pay by credit card, direct with bank. Let’s look at the refunds. Oh, let’s look at the forms. Tingnan natin. Oh ito yung mga forms nila, all right.
Mclain: O sige. Naka-hyperlink na.
Philippe: Ah, naka-PDF din. At least kahit papaano naka-link.
Mclain: Oo, naka-link na siya. So,
Philippe: Oo, ‘di ba? So, that’s, that’s ano pero dapat nga ano input form na ‘to online form, right? Yan. Okay. Pero ang pinakamagandang site yung kay DICT. I, ako syempre we know DICT is you know department uh the IT department of the Philippines ‘di ba?
So it’s, ayan sila yung gumawa ng Egov, Department of Information and Communication Technology. This is by far, I wouldn’t say the best website in terms of design but the best infrastructure. Malamang iyung data center nila dito and their server infrastructure is very I am not sure kung gamit nila AWS or Ali Cloud or Google Cloud.
Philippe: I am not so sure but wala nga certifications. It’s just um I don’t know where is our e-government app hosted. You know that’s what we have. Maybe we could ask AI. Tingnan nga natin. Magtanong tayo kay AI. Uh what?
Let’s look. Let’s see how smart Gemini is in terms of our ano. The e-gover is hosted by a government common platform. Centralized cloud infrastructure, Talaga! So government web hosting services. So ito yung So naka engine X
Sheigfred: Parang actually makikita naman siya online eh pagka ini-scan natin siya.
Philippe: Oh give us a tool. Fun. Teach us.
Sheigfred: siguro ano search i-keyword mo lang ng search is ano NS lookup for example. NS lookup, yan. Tas lagay.
Philippe: Baka naman naka-cloud flare yan?
Sheigfred: Ilagay mo si ano, sino ba to? Si DICT sabay ise-search natin yan yung link niyan. Yan yun.
Philippe: Google Cloud, nasa Google Cloud sila, yung emails nila sa Google Cloud ito yung mga ano Oo naka-cloud flare siya email server nila Google nasa Google. Pero, feeling ko Google Cloud to, for their website, for their website ‘di ba? Itong mga IP na to.
Sheigfred: Pwede mo rin i-ano yan—who is that—pagka gamitin mo rin sa siguro keyword mo lang who is? Who is, yan.
Philippe: I-ano natin kay GoDaddy?
Sheigfred: Yan. Wala, so malamang cloud flare yung ginagamit nila pag hindi sya makita.
Philippe: Cloud flare kasi naka ano naka-integrate naman to sa cloud flare. Oh guys sorry medyo IT to eh. IT stuff. So this is a combination of ah kasi ikaw cloud engineer ka. Ako kasi, by profession ah web ako kasi web master. Right?
Kasama doon sa when it comes to design development na website anything website related. So meron lang akong fundamental knowledge of servers pero not in depth. Ikaw kasi in depth alam mo na lahat eh. Yun, doon sa infrastructure natin iyung national budget natin, national budget for DICT 2026. Okay. Na-propose ng 19, 18.9 billion.
Magkano yung na-allocate? Office of secretary National Economic Communications, 1B. So meron tayong 1B. We have 835 million for cyber crime investigation kasama don si NBI Cyber Crime Division, National Privacy Commission, 380.
Philippe: So all in all, meron lang tayong um 20B. More or less yan si DCT an approve aiming for 197 end of 202 justified the 2026 proposal. So we have 19B budget allocated for IT infrastructure kasama in communications kasama everything, everything.
But I wish ano feeling ko kailangan pa nila mag-invest into our infrastructure, IT infrastructure. Ang tanong is whether they’re using Google Cloud or they’re using local data centers provided by PLDT, Globe. Yan ang tanong ‘di ba? Ikaw ba as a cloud engineer, what do you think? Ano ba yung ginagamit ng government natin?
Sheigfred: Kasi pagdating sa back-end logic, halimbawa sa mga functionalities, features ng website, ah minimal lang naman o hindi naman minimal pero doable naman na magdagdag ng function, ng features. Yes, madali siya or di madali pero doable siya.
Pero pagdating sa infrastructure sa function ng kung how the server would handle the high traffic, minsan nagda-down pa ‘di ba? Kung kailan kailangang kailangan mo saka wala, may mga ganun pa siguro kailangan mas kailangan natin mas mag-ano don mag-lean towards sa ganun lalo na kung gusto natin, sa government.
Sheigfred: Gusto natin magpunta na sa actually wala ng choice eh nasaan na talaga tayo information era na talaga eh. So feeling ko kailangan ganon mas, regardless sa hosting na ginagamit, pero feeling ko dapat mas magbigay ng…
Philippe: Tingnan natin yung mga iba-ibang website ano ah government websites natin. Let’s see where, where 18 part of 18 19 billion should go to, ‘di ba? Kawawa naman yung ano natin yung we should have like one of the best infrastructures. Okay. Ang daming website oh. Daming kailangan may ano diyan. Okay. Gov.ph basic, department of budget and management -DBM. Kahit papaano maganda. Do you guys know what this DBM is?
Sheigfred: Si ano yan, yung nilalapagan nila proponent.
Philippe: Pero dito, ito yung checklist kung saan napupunta ‘yung budget. Ng buong, ng buong sector ng Pinas. So kung may na-approve, let’s say DICT ng 18.9 billion, dito makakita kung saan napupunta yung purchase, itong website.
Hindi alam ng mga tao to kasi hindi sila educated about that. ‘Di ba, they’re not promoting it. But this website exist to tell you for example ito. Let’s look at here the budget. Parang ito yung checklist kung or not checklist. Ito yung may listahan ng kung saan napupunta yung expenditures.
Sheigfred: Mga NEP- National Expenditures Program.
Philippe: ‘Di ba. Yun lang. Hindi siya. Itemized siya per ano, pero hindi exactly yung; for example, ito, let’s say Php1,000. Hindi hindi siya ganon. Basta sasabihin they’ll just give you like a not sure kung ito iyun eh. Yeah. General like 960,000 for what’s this? Procurement of janitorial messenger services.
So ano ‘yung kasama doon sa janitorial messengerial services? Kasama ba motor diyan sa messengerial services? Kasama ba messenger bag? ‘Di ba? Kasama ba yung mop? ‘Di ba? Walang breakdown dito basta 960.
Sheigfred: Sana kung may dropdown man lang ‘no? Dropdown tapos itemize.
Mclain:So diyan pumapasok ‘yung parang pwede silang gumawa ng oh para sa janitor bilhan natin ng ganito pero hindi naman pala ibibigay. Parang ba-budgetan mo lang tapos i-ooverprice nila.
Philippe: Yeah so for example ano yung department na bumili ng mga mamahalin na laptops?
Sheigfred: DepEd?
Philippe: Oh DepEd? Ano Razer yung binili? Razer ba? Razer laptops?
Mclain: Parang nasa 100k plus yung binudget nila tapos nung na-audit na yung laptop parang.
Philippe: 20,000 lang? Kala ko MacBook Pro na yung binili nila eh para ano, okay. So that’s DBM. I don’t want to jump into more pero tingnan natin yung ano yung official gazette ng Pinas kahit papaano modern naman, not bad. Hina-hunt down ko lang yung mga outdated sites.
Ito not bad. Let’s see this. eGov, best, ito ang best . Yung eGov natin kasi ginagamit ng madami lalo international and OFWs. Ang ganda, yan ang modern site. This is one of the best projects DICT came up with and this administration ang ganda. Very Pinoy, local and yung UI is wala akong masabi.
Sheigfred: Enticing agad pagka-open mo.
Philippe: ‘Di ba? Pati yung app. You’ve used the app before no? So.
Sheigfred: Pag nagta-travel ka.
Philippe: Oo.
Mclain:: Is it working with pati iPhone ba? Is it working with iPhone?
Philippe: Yeah. Yeah. All all iPhone pati yung sa Huawei gallery app.
Mclain: Ang hindi lang pala gumagana was the citizen, right?
Philippe: Citizen. Oo.
Mclain: Some some application ng eGov hindi gumagana sa iOS, pang Android lang. And hopefully dapat yun masolusyunan din nila. Kasi what’s the what’s the purpose? Na-access mo iyung eGov tas pagdating mo doon sa mismong app sasabihin oh.
Philippe: Pang Android lang.
Mclain: So parang nawawalan yung sense ng pagka app eh.
Philippe: DSWD, not bad. Pwede na. May easier services sila oh. Oh pwede ka tumulong.
Mclain: Oh by the way ah yung site pala kanina nabanggit kanina. I just recently registered, everything is online.
Philippe: Smooth?
Sheigfred: Online na lang.
Mclain:Smooth, hindi lang siya smooth kasi yung lahat ng incorporator kailangan mong i-create ng e-account, parang…
Philippe: KYC verification? Yes.
Mclain: Yes. So pinuntahan ko pa. So sabi ko if available silang lahat you can finish it for one day.
Philippe:Wow.
Mclain: Oo. Kasi ano eh, magbabayad ka lang ng verification credential which is Php400 per person which is valid for two 2 years I think 3 years. So valid yung account mo for 3 years. And then so lahat ng incorporators kailangan meron incorporators and signatories merong mag-create ng KYC account.
And then once na ano na process mo lahat. Hindi ko na rin kailangan magpa-notarize kasi ang magiging signature na is yung e signature yung, yung account mo mismo.
Philippe: Yung sa KYC verification. Gaano katagal?
Mclain: What do you mean gaano katagal?
Philippe: Nung the whole process nung na-submit mo na lahat, yung article sa corporation mo.
Mclain: Yes, pagka-submit sabi nila 1 to 7 days. So I message the member sabi ko, “O please monitor your email and ganito para to verify.” 30 minutes pa lang sir, ito may nagpadala sa akin. Sabi niya, check niya, “Uy, since hindi kami familiar, hindi rin ako familiar. So ano ba ‘yan? Ano ba ‘yung need na document?” So nag Google ako.
Ah okay .Andun na rin pala ilalagay nila doon kung ano yung need for verification which is article of incorporation at tsaka yung Bylaws. So nakalista doon nakalagay yung status. So pending may 0%. So ive-verify mo lang siya doon sa KYC app. Ah nandoon lang din.
Mclain: So parang ‘yung incorporator ang magve-verify. So ia-access niya ‘yung KYC account niya tapos ive-verify lang niya para lang to prove na actual yung tao, to verify.
Philippe: Pero after na-verify?
Mclain: Tapos na.
Philippe: Binigay na yung articles of incorporation and bylaws?
Mclain: After the process. Na-download ko rin. Same..
Philippe: Same day?
Mclain: Wala pang 30 minutes.
Philippe: Digital?
Mclain: Digital. So kung gusto mo ng actual pupunta ka sa ano nila.
Philippe: So imagine si DTI madali lang. si DTI matagal na pwede kang mag-register ng company ‘di ba? Within 30 minutes meron na. SEC is becoming like that. Ang tanong BIR.
Mclain: Sana si BIR.
Philippe: Si SEC ang ganda ng It’s fine, green ‘di ba?
Mclain: Very catchy.
Philippe: Very catchy. It’s fine. Pero yung layout, pwede na. Pwede na. Tingnan natin. BIR ang yung kanina. So I wonder kung o sige may SEC na tayo. Pag napunta tayo dito. How do we register for our business? Eservices. Alam ko ito yun. Orus online.
Yeah. Welcome to registration. You register secondary new ah non-individual. Pwede na
Mclain: Parang same with ano with SEC. hindi ka makakapag-browse until such time na mag create.
Sheigfred: Mag create. Oo
Philippe: Okay na with existing TIN tax payer lahat, pwede na.
Mclain: Parang safeguard din yan. By the way sa SEC, once you use your mobile number pag ginamit mo ulit hindi na pwede, email nagamit mo na hindi na pwede.
Hindi ka pwedeng mag-create ng two accounts.
Philippe: That’s good. Security nga security.
Mclain: And then if you made changes, nag-create ka inedit mo yung file mo. Another verification.
Philippe: Dapat ganun nga din sa ano dapat i-connect din nila sa eGov. Kasi for example account mo sa eGov andun na yung SSS, PhilHealth, Pagibig. Mave-view mo siya talaga yung contributions mo. Dapat ganun din kung may negosyo ka makakita mo oh.
Mclain: So dapat sinync nalang din nila no since you are, sync ito sa eervices or sa eGov dapat kukunin mo na lang yung ID mo sa eGov yung ano yun na lang.
Philippe: Dapat sa eGov mismo yung KYC na ‘di ba yun na yung main ano mo. Anyway masisync yan give it around 10 years pa. ‘Di ba. Pero I’m happy enough na nagiging high tech tayo. Medyo late, late lang kasi sa US it’s been happening for more than 2 decades na na everything was online. For God’s sake it’s 2026. 20 years ago at 2006 everything was modernized na in the US.
Sheigfred: Parang behind naman daw tayo lagi sa US ng 10, 20 years.
Mclain: ‘Wag naman sana. ‘Wag naman
Philippe: Anyway, we’re always behind to be honest.
Sheigfred: We’re always behind.
Philippe: We’re always behind. Let’s look at our ano security websites. NBI website. Okay. At least lahat sila naka-cloud flare. Pwede na. Compare natin FBI website. We’re sorry. You’re, return to the homepage. Hey guys, hindi kami hackers from the Philippines. Scamers lang. We’re just, we want to try to compare NBI gov. Uh pero dati na-access ko pa yung CIA. Ayan oh. Oh. Ganda ng ano ng CIA oh. Oh careers apply tayo. Apply tayo? Field agent?
Mclain: Field agent sa Pilipinas?
Philippe: Sa Pilipinas for ano
Mclain: Viph.
Philippe: Food and beverage ano industry?
Sheigfred: Nasa food pala.
Philippe: Yan Philippine information Agency, not bad pwede na. Hindi gumagana yung home. Department of Health, okay, privacy yeah ito maganda kasi ano. This is a very important role itong privacy ano natin commission.
Kasi this affects all websites locally and anything that pag nag-build ka ng website and for your local market dapat meron kang ah seal privacy seal. So for example meron kang let’s say magtayo tayo ng e-commerce website. Benta tayo ng hardware. Since e-commerce siya at ang customer magre-register ng information niya, address niya, phone number niya, name niya and everything.
Philippe: Uh you have to make sure na yung terms and service mo and privacy policy is compliant with our National Privacy Commission Act and everything else. So dapat may mga seals doon sa website suppose pero hindi wala naman ano wala naman sumusunod ‘di ba. Hindi sila masyadong compliant. What’s this? Data.gov. Iba din to.
Open. What’s this? Is a portal online repository of to open data from different government agencies. Ahh..
Sheigfred: Parang centralized siya na ano lalagyan ng mga…
Philippe: Information ng bawat department siguro sa ano ‘yan oh. Portal online repositor of open data from different government agencies. So yung data ni supposed like BIR, PhilHealth, Pag-IBG and all that dapat iisang ano.
Sheigfred: Isesearch mona lang. May data set.
Mclain: Oo. Parang remember the movie Die Hard 5 yung database nila is central database na.
Philippe: Pero like this covid data draw ah parang hindi siya data hindi siya citizen data information data lang ng ano procurement monitor report. Parang data ng transactions, data ng
Mclain: Downloadable?
Philippe: Hindi ma-click. Hindi ma-click. Ba’t hindi ma-click? Ah, kunyari meron lang.
Tingan, ah download all. O, tingnan na natin. What are you? Students yan na tayo. Ano ba? Ba’t ang dami ang daming ano bago i-download?
Mclain: Tapos sasabihin sayo wait for 72 hours.
Philippe: 25 million? Ano ba to? Department of agriculture medium public bid. Ah bidding ano document. Gas? 25 million para lang sa gas?
Mclain: Kaya double S ano yun plural maraming marami?
Philippe: Gass. Plural. General service division delivery of various ink and toner, pangprinter to. Use to centralized. Pwede na 125 baka toner yan ng iilang ano printer lang ha? Mga sampung printer lang.
Mclain: Hindi naka-itemize kung ilan eh.
Philippe: Oo. Anyway, that’s a that’s a good sight. Oh my god DOJ down. Bakit?
Sheigfred: Down yung server mismo.
Philippe: Hala paano yung mga cases?
Mclain: Hindi, ano pa raw nire-review pa raw ni ano secretary.
Sheigfred: Ano sino bansa DOJ?
Philippe: Let’s talk about ano ‘di ba maraming naha-hack na government website. Um, sa tingin mo ‘yung mga hacks internally or externally?
Sheigfred: Ah majority feeling ko internally dahil mas madali yung mas madaling mag-navigate kapagka nasa internal ka na eh. Pero mas nakakatuwa din yung mga external kasi sa iba’t ibang walks of life galing yung mga external na mga ano eh.
Minsan magugulat ka may nag-hack ng ganito 7 years old. May nag-hack ng ganito, estudyante na nag nagyu-YouTube YouTube. Na-hack niya yung yung system ni ganitong government entity.
Mclain: Pinag-aralan e. Pinag-aaralan. Nagyu-YouTube sila.
Sheigfred: YouTube YouTube oo nakakatsamba may mga ganon yun yung mga nakakatuwa pero yun to answer your question feeling ko ano internally talaga lalo na sa amin pag kasi kami yung nakakakita nung lahat eh kaya to add up din galing kasi ako ng layoff na ano na ng red na ano na redundiate
Philippe: Okay.
Sheigfred: Oo na ganun. Ang, at sa mga kasama ko din the way para maganon ‘yung para i-layoff ‘yung isang IT guy ano talaga siya biglaan. Hindi siya ina-announce hindi siya sinasabi sa’yo. Walang days, walang ano. On the spot iwan mo na yung laptop mo tas ano na last day mo na.
Philippe: Iba kasi pag ano ‘di ba sa IT, I think security din ng company.
Sheigfred: Yeah.
Philippe: Kasi pag binigyan mo on 30 days, tatanggalin ka namin kung ano-anong gagawin, no? Sisirain niyo yung mga configuration. Mag mag-u-upload ng kung ano-ano sa site. Eh ‘di ba yung ‘di ba yung billboards yung led billboards sa EDSA? ‘Di ba minsan makakita mo may porn ‘di ba? Ibig sabihin may na-layoff diyan na or may galit na empleyado. Gumawa ka ng kalokohan ‘di ba? Yan ang problem eh no.
Sheigfred: So ganun feeling ko sa ganun mas marami internal eh.
Philippe: Hindi nababayaran maayos ‘yung mga IT ng government no? feeling ko hindi lang minimum yan or below.
Sheigfred: Hindi. Pag sa industry talaga ng IT, mas okay ‘yung private entity pagdating sa pera, sa income niya. Ganun ‘yung ano ko.
Philippe: Pero for example sa DICT sa government, I’m not sure if they’re being well compensated sila but marami silang ano, magagandang kumbaga yung management ng kasi right now talagang ano um nag-iimprove naman kahit papaano yung infrastructure pero mabagal lang.
And I don’t think kasi ang government hindi nila naintindihan yung cost of modernization of the of the country ‘di ba akala nila ano yung laptop ano yung server yan computer lang yan nabibili yan sa Lazada.
Philippe: They don’t understand the definition of what’s the definition of what a blade server is. Hindi nila maintindihan kahit nag-hire sila ng IT consultant ‘di ba. Tas sasabihin anyway IT consultant ano yan yung marunong mag-ayos ng ref ng microwave ng coffee maker ‘di ba? So they don’t have the expertise.
Hindi katulad sa mga ibang bansa na even dati rampant sila sa modernization and improvement of their technology. And that was more than a decade before and 20 years ago, one or two decades ago right now rampant sila sa AI.
Philippe: The US government is incorporating and empowering their systems, their softwares, their hardware with AI ‘di ba. Dito kaka-start lang, kaka-start lang mag-ayos ng website and infrastructure. So by the time na for example in in the US lalo sa immigrations ‘di ba medyo mahigpit sila ngayon lalo with Trump and everything.
So with in order that’s that’s for the case for their security against terrorism and all that. So yung security nila is powered by AI. FBI, CIA and any intelligence agency in the US are now faster in detecting sinong mga potential na terrorist na nakasakay ng eroplano darating sa immigrations natin. CAI pa lang yung facial recognition nila dati na software na napapanood natin sa movies, Eagle Eye magaling na mag-facial recognition right?
Philippe: How much right now? Maybe AI can tell kung naka-mask ‘yan o naka Mission Impossible na katulad ni Tom Cruise. Baka AI can tell na fake ‘yung mukha. Or AI can tell ‘yung passport fake. ‘Di ba? And that’s Pero dito tayo sa Pinas yung passport, lapit. Okay. ‘Di ba? Manual pa din ‘di ba? Ah have you traveled recently?
Sheigfred: Saan ba to? Sa Singapore yung airport ng Singapore diretso ko lang eh.
Philippe: We were there recently.
Sheigfred: Parang ang nag number of head count versus sa Philippines na mga immigration officer sa atin 20 sa kanila lima lang ganun ganun lang yung mga.
Philippe: ‘Di ba? Chine-check lang nila if ano ah tapos sa Singapore yung passport mo lang scan mo lang papasok ka na tapos may verification na camera. Recently galing kaming Hong Kong. Pagpasok namin ba’t hindi nagagamit yung ano yung yung verification machine? Yung immigration machine?
Pila pa din kami sa ano sa manual. Doon kami pumila. ‘Di ba? Eh kasi I remember the first time nung last year galing kaming nag-travel kami to Malaysia. Pagbalik namin dito, yun yung time na na-introduce yung immigration machine. Sabi ko “Uy bago to, try natin”. Kakababa lang ng eroplano so madaming tao. Pila kami.
Philippe: Kaya humaba yung pila kasi nung nilagay niya yung yung mga tao sa harap syempre number one hindi marunong. First time, so may nag-gaguide ay i-scan niyo yung passport niyo. Buksan niyo yung password i-face down para ma-scan.
Sheigfred: Kung paano pag-face down paganon paganon.
Philippe: So una ginawa ah tapos yung yung parang warning ah please try again ‘di ba remove your password then please right there ikot ulit yan please try again tapos humaba na yung pila, ang tagal. Ginawa ko, gusto ko ng umuwi pila ako sa ano sa yung may tao yung may immigrations officer nauna pa ako eh sila nagpila pa din sa ano.
It’s so outdated hindi ko alam kung tama yung machine na binili nila or medyo low end pero grabe. It’s not. Kung may pamilya, may dalawang anak ka tapos kasama mo ibang ano family members ay huwag na doon na kami sa may immigrations officer ‘di ba lahat ng password namin oh.
Sheigfred: Sabay-sabay pa kayo kasi isang pamilya kayo.
Philippe: ‘Di ba o mabilis pa.
Mclain: Ganyan ako eh, pasok yung pamilya o sige diretso na diretso. Mga ganon pa.
Philippe: Tapos yung paglabas namin yung isa nakapila pa din sa immigration. Please try again. Ayaw ayaw ayaw, punta, ikot na lang kayo.
Sheigfred: Mas tumagal pa lalo no?
Philippe: Ewan ko ngayon ah kasi right now confident ako kay San Miguel. Na since nag-takeover sila ng operations ng airport ng NAIA, maramdaman mo naman na okay compared dati kasi before na-takeover ni San Miguel nag-travel ako and after na-takeover nag-travel din ako.
So the difference is, before nag-takeover mainit, isipin mo gabi yun ah ang init parang sira ba yung aircon? That time pinapalitan nila. Itong recent travel ko to Hong Kong, pagbalik, papunta pa lang pagpasok ang liwanag.
Sheigfred: Oo. Parang yung liwanag ng NAIA ngayon dati gloomy.
Philippe: Yes. Tapos malamig. Tapos yung meron ng ah self checkin machines. Para hindi ka hindi mo na kailangan pumila. Ang medyo kailangan ng improvement is magbayad ng travel tax kasi yung mga tao pumipila pa din.
So maraming counters pero siguro may nakapila. Let’s say laging grupo parang there’s always 20 or more. Mabilis naman. Mabilis naman. They accept all payments. GCash Maya, credit card, debit card. Okay naman. Pero I think the one place where they need to improve on that is gawin na lang, gumawa na lang sila ng meron ba tayong NAIA app?
Philippe: Gumawa nalang tayo ng NAIA app kung meron naman ilagay na lang nila yung travel tax para doon na pagpunta mo doon o bayad na o QR escan nila tapos. ‘Di ba? Pero that’s, I have to say compared to before San Miguel took over, thumbs up sa kanila except doon sa immigration machine.
Mclain: Sino ba sino ba may hawak before?
Philippe: Government
Sheigfred: Government siya. Oo.
Mclain: So the good thing about San Miguel is si San Miguel kasi willing to invest. Government is teka bulsa muna natin ‘di ba?
Philippe: Si balik, baliktad dito sa Pinas kasi, have you ever been to Dubai or UAE?
Sheigfred: Hindi
Philippe: Anyway, you go there lahat ng taxi nila pare-parehas. Government operated. Anywhere you want to go with the taxi, no negotiations or nothing. Sakay taxi go wherever you want. Same yung quality of service. Same yung mga drivers. Same lang ‘di ba. And no questions ask kung malayo yan, no question.
Basta sakay, ka alis ka. Lahat ng sasakyan almost parehas lang yung brand. Parehas lang yan. Tapos malinis and everything. That’s government ano ah that’s government operated. Their buses, all their public transportation government operated. Dito sa Pinas baliktad. Anything government operated palpak. Wala silang vision for improvements or ano.
Philippe: That’s why nung pumasok si San Miguel, si San Miguel syempre paano naging multibillion company yan? Because of their continuous improvements for their products and services. And talagang the more you do that, the more pumasok yung pera. So kaya nung pumasok sila sa NAIA, binago na yung website number one, binago nila yung brand.
Nag-improve yung brand, right? Yung logo binago nila. Yung terminals, ah maganda na yung yung lighting maliwanag na yung aircon malamig na yung parking rates okay ang daming nagreklamo tumaas na pero worth it naman. Nung una tinasan nila parang 800 a day nagreklamo yung mga tao, so binaba naman nila, nag-adjust sila. Pero compared sa dati na parang 300 per day, ang daming nakikipark lang.
Philippe: So hindi naman traveler, nakikipark lang tas nag oovernight ng matagal. So ngayon nasa I’m not sure 600 so I think fair na siya para umiwas yung mga nakiki-park lang. Tapos yung parking area sa labas yung yung hindi nila naayos na parang buhangin pa din.
Inayos na nila. Yung, have you heard the news na may nasunog doon na batch of cars? Ano na sementado na maayos na tapos ah ginagamit na yun. So maganda talaga improvement when it comes to a private company helping government.
Sheigfred: Government. Yes.
Philippe: Where in fact dapat baliktad nga. Singapore is government operated, pero public transportation the best. Um, the airport.
Sheigfred: Ang ganda. Grabe.
Philippe: Believe it or not. Okay. Airport pa lang pwede ka na matulog. Hindi mo na kailangan maghotel. Pwede ka na matulog doon. Lahat ng bench may saksakan. Wifi bilis. CR.
Sheigfred: Malinis.
Philippe: Sobra. Sobra. Tapos yung mga kainan may mahal, may mura. Pero when we were there, meron may sleeping lounge. Hindi na kami kailangan mag-sleeping lounge. Doon na kami sa ano sa couch at pwede sa sahig pa. Ang linis.
Sheigfred: Carpet.
Philippe: Oo. Tuwang-tuwa yung mga kids eh. Kasi malinis tapos ang very cozy. Airport pa lang parang wow ang sarap dito.
Sheigfred: Hindi siksikan.
Philippe: Pagbalik namin ng Pinas, ouch. Parang ayaw mo na bumalik.
Sheigfred: Parang ano e
Mclain: Back to reality.
Philippe: Back to reality.
Sheigfred: Hindi mo siya maiiwasan na hindi i-compare dahil doon sa na experience mong possible pala maging ganun kaganda yung ano eh. Parang hindi mo siya maiwasan na i-compare kung ano. Sana ganito na lang din sa atin
Philippe: ‘Di ba? And yun nga ang number one priority kasi ng government natin is ibulsa yung budget. Right? Sa tingin mo, ano ba yung kulang ng Pinas? Sa tingin mo with your expertise and your experience, with your knowledge, ano kaya kailangan i-improve ng Pinas para maging first world tayo sa Asia?
Sheigfred: Feeling ko magsisimula siya sa ano kasi ang ang opinyon ko sa ganyan, gusto natin feeling natin ang mag-aangat sa isang bansa is yung sa sa leader. So feeling natin dapat mapalitan yung mga nagli-lead ng mga ano mga nasa taas.
Ang opinyon ko is kung yung bawat individuals is merong mindset na katulad nung sa atin na gusto ng magandang ano result backup ng nagbibigay ng time para maganalyze, nagbibigay ng time para mag-aral tungkol sa nangyari sa bansa. Kung lahat tayo ganon, then we tend to choose at makita yung mas makakabuting leader para sa atin.
Philippe: What sector of the Philippines you think na kailangan i-improve?
Sheigfred: Sector ng Philippines na kailangan i-improve?
Philippe: Oo. Sa tingin mo, I’ll give you a few examples. So, for example, public transportation, number one yan. Kailangan talaga i-improve. So bukod pa doon sa mga hindi napapansin?
Sheigfred: Actually, gusto ko nga isagot lahat eh. Pero ano ba?
Philippe: Hindi sa tingin mo based on your expertise and your knowledge.
Sheigfred: Feeling ko yung security ng ano ng mga data natin ng infrastructure natin. Feeling ko doon kasi hindi lang ang attack hindi lang naman siya nagsisimula sa sa physical e ang attack hindi lang naman suntok, sipa, baril at saka at kung ano man eh ang attack is meron din nangyayari sa likod which is mas magulo kung exposed ka at nakikita mo kung paano mag magbigayan ng attack sa internet. So feeling ko kailangan din doon.
Philippe: That’s a great answer kasi doon sa Diehard na movies tina-target nila, ina-attack nila yung infrastructure. Tinanggal nila yung ano what was the first thing they remove? Electricity and then internet tinanggal nila. Basta naalala ko stop lights pinatay nila stoplights nagkagulo tapos pinatay nila National Grid yung electricity ano pa yung basta everything software na hinack nila they stopped it, yun yung una.
That’s why tama, tama siya. The data that’s the first thing they’re gonna attack ba the data or based on the infrastructure na ongoing water system, electricity, internet which is communications usually naman right? And then after that security doon na nila tayo ibobomba after that.
Sheigfred: Kasi madami din na ganun na nangyayari minsan nagiging ano pa, vessel pa yung kahinaan ng infra ng Pilipinas para makagawa ‘yung ibang collective o ibang grupo sa ibang bansa don sa masama nilang plano.
For example, there was this uh kung alam niyo ‘yung nangyari sa Bangladesh ‘yung kinuha ‘yung budget ng buong Bangladesh ng isang group of ano hacker. Yung story is ah na-hack yung parang budget nila na-transfer dito sa Pilipinas, which is sa Makati. Then naganap ‘yung transaction during Saturday, Sunday plus holiday.
Sheigfred: So within that uh time nakapag-deposit napadaan dito sa Pilipinas tapos na-transfer na papunta na sa ibang bansa doon lang sa ano. So imagine napadaan dito dahil lang sa ganung naging tool or vessel pa yung Pilipinas para makagawa ng ganong klaseng activity.
Philippe: Doon pala yung expertise natin kasi ganun din nangyayari with our government. Yung taxes natin dumadaan doon sa kanila sila yung vessel. Kinuha nila, binulsa nila. That story I read anong year yan 1980s? But that was way back kasi ang ano nila is bank transfer no? International bank transfer with Swifts and IBOND and all that.
Yun yung panahon ng, that was the time cyber security was very low in the financial institutions. Very ano parang first time sila mag-transfer sa ah alam ko internet based na eh. Internet based at that time. Pero that was in the 80s. Tama ba?
Sheigfred: Hindi. Meron pa. Parang 2000s na ‘to eh.
Philippe: 2000s ba?
Sheigfred: Oo. Parang ano pag sinearch natin try ko din search siya. Bangladesh ano.
Philippe: Ano yun eh what’s that term? Um, what do you call the action stuff in Fast and the Furious? What do you call the what do you describe that? Parang um
Sheigfred: February 2016.
Philippe: Oo.
Sheigfred: Bangladesh. Tapos pinadaan sa RCBC.
Philippe: Makati no?
Sheigfred: Oo. $81 million. Tapos na-convict yung ex RCBC manager. Ayan sabi sa doj.gov.ph.
Philippe: Nahuli sila. Hanggang ngayon nakakulong.
Mclain: Literal Central Business District.
Philippe: Wow. I thought it was in the 80s kasi when I saw the documentary about it, I didn’t know it was 2016. Recent lang pala. 10 years ago. Pero malaki yun, imagine.
Sheigfred: $81 million.
Philippe: Heist, yun yun that’s the term I will say it was a heist talaga. Galing ah cyber heist. Hacker stole 81 million from the banks account at the Federal Reserve of New York and transferred to the funds uh transferred the funds to the Philippines through Swift Network naman it was subsequently laundered through the Philippine banking system and casinos. Galing. Fast and the furious ata yung sinasabi mo, the vault.
Sheigfred: Madami pati sa crypto madami din nangyari na ano.
Philippe: Yan pala yung ano natin niche natin dapat ano.
Mclain: So sa crypto possible na mangyari, so what if mag, may mga nababasa ako eh if we go for blockchain ‘di ba sabi nila parang ma-le-lessen daw, it’s not 100% parang.
Sheigfred: Ano kasi siya, every transaction mo sa crypto is recorded.
Philippe: May ledger kasi.
Sheigfred: May ledger siya so parang ilang back for backwards kayang kayang makita.
Mclain: May nabasa ako, parang may there are few people na nagmi-meeting para diyan sa blockchain, sabi ng mga nag-comment sa kanya naku ayan pinag-uusapan na nila kung paano gagawin yung corruption na naman paano isisingit doon sa black is it possible kaya ganon?
Sheigfred: Oo naman lahat naman may mga malalaking crime nga na nagagawa eh tapos sasabihan mo ‘yung isang sistema na walang loophole posible naman parang.
Philippe: Ang number one loophole kasi ngayon is tao. Social hacking kasi sabihin natin okay unhackable ang crypto and blockchain and all that pero what if yung ang number one factor talaga yung hindi ma-secure is tao, ‘di ba. So sabihin natin oo it’s as simple as this. Siya nasa harap ko, nandito ako. Unlocked yung laptop ‘di ba? Eh nag-CR ako.
Kahit sabihin natin naka-open siya, pwede siya umikot at mag-search, mag-open kung ano, right? So tao talaga yung ano, yung iha-hack hindi yung system.
Mclain: Or like sa mga movies, hindi ka actual humawak ng laptop but since you have access ‘di ba, umalis ka ‘di ba? O walang tao. CCTV monitor yung mismong laptop.
Philippe: And most of the time nagagawa yan internally kasi kung sino, pansin mo sa mga movies na ngayon usually binabayaran yung nagtatrabaho doon para ibigay ang access. So that’s it’s still social hacking. Because these days to become a hacker with all the security features of servers now and right now security features very ano na eh very complex.
Unless talagang ikaw si Neo at kaya mo i-hack your way throughout na talagang out of this world ka ‘di ba, direct hacking yun pero most of the easiest way halimbawa, halimbawa tayo hindi naman tayo hackers eh yung marunong mag-program para mag.
Sheigfred: Social engineering talaga.
Philippe: Social engineering na lang.
Mclain: NPR. Oh magkano para ma ano, ganun lang, ganun kabilis ‘di ba?
Philippe: O sabihin natin gusto kong i-hack yung company kung saan nagwo-work si Sheig. Right, all I need to do is get his credentials. I don’t need to hack the company server. Right? It’s as simple as that, social hacking. So karamihan ang nangyayari is social hacking. But still no system, there never a system in the history of technology that is not unhackable. Everything is hackable. Lalo tao.
Sheigfred: Kaya ganun na lang kaimportante yung yan kami yung mga infrastructure boys na and girls na, minsan kasi kunwari meron kang small business or meron kang mid SME ah feeling mo yung security additional lang siya na ano eh na ingredient doon sa business mo eh magwo-work naman siya ng wala eh.
Parang sa amin ang gusto namin is ah mapakita or mapaintindi na hindi siya additional ingredients. Kasama talaga siya kasi pag for example literally pag pinasok yung bahay mo kinuha yung gamit, wala ka ng gamit. Ganun din naman sa online eh.
Philippe: Yes, tama.
Sheigfred: Kapag pinasok yung server mo yung website mo, dinelete yung data mo, parang ganun din, wala ka na din wala ka na ring ano, babalikan.
Philippe: Dito kasi sa Pinas hindi siya mandatory for secure ano lang ah lalo for example insurance ng insurance in general. Sa US bawat tao dapat may insurance. Wala kang insurance parang wala kang lisensya parang ganon. Dito sa Pinas ang mandatory insurance TPL sa sasakyan.
Pero isipin mo mandatory yun para sa sasakyan. Hindi ba dapat tao? Dapat mandatory the moment you’re born, dapat may insurance ka, ‘di ba? Hindi uubra yung Philhealth alone, kailangan talaga yung insurance ‘di ba. Philhealth alone is not, it’s sort of protection and insurance in a way but we need immediate insurance like mandatory HMO, ‘di ba?
Philippe: Okay. Nag-grab ka dati, rider. Grab mismo, nagbigay ng insurance sa inyo or nag, is it mandatory for a rider to get insurance?
Sheigfred: No, hindi naman.
Philippe: Yan ang mali.
Sheigfred: Walang ganon.
Philippe: Yan ang mali. Sa bagay kasi ang Grab, Lalamoove, Angkas are not employees.
Sheigfred: Partners yung tawag nila.
Philippe: Partner. So it is the responsibility of your partner to safeguard yourself. So for example kung ikaw isang rider at wala kang insurance, wala kang HMO ‘di ba at everyday expose ka sa risk, pag may nangyari sayo wala na, wala ka ng income, right? Ano yung insurance makukuha mo? Yung medical insurance, yung coverage, yung income loss?
Sheigfred: Wala.
Philippe: Wala. Tengga ka, baon ka pa sa utang dahil naaksidente ka. Hindi siya mandatory. That’s the problem with the mindset of the Filipinos here in the Philippines ‘di ba. Kasi ang akala nila, insurance is for the rich.
Insurance is for everyone from the rich to the poor it’s for everyone. So I think that’s the one thing na kailangan gawin mandatory ng government natin talaga. You know, insurance.
Mclain: Buti pa nga sa LBC pwede ka mag-file ng insurance.
Philippe: Oh ‘di ba.
Mclain: For as low as Php40 or Php45, meron ka ng 3 month insurance. It’s not enough pero you get something.
Philippe: Doon nga sa GCash mag papasa ka lang na ano pwede mong i-insure ng Php30 oh ‘di ba? Isipin mo mga ganyang bagay ini-insure nila pero ‘yung tao hindi. Although meron naman si Singlife pwede kang mag buy ng 300 a month as low as that. Uh insurance for motorcycle riders. Not bad. Not bad. Pero syempre motorcycle rider, yun pang gas ko na yun.
Mclain: Hindi kasi maybe ah kasi makakakuha ka naman daw ng burial assistant sa government pag namatay ka na.
Philippe: Ano aantayin mo mamatay ka para makuha mo yung benefits?
Mclain: Ibig sabihin pag namatay ka makakapag-file yung loved ones mo ng assistance.
So pag hindi ka nag-file ‘di wala kang makukuha. Yun lang, yun lang ang masasabi ko.
Philippe: Eh wala namang mafa-file after pag namatay ka. Sino mag-aasikaso sayo? Tingnan mo, nag-open ako ng GCash. O Singlife. Get up to 1 million coverage starting at only 167 a month for 100 plus critical conditions including cancer stroke and heart attack. 167 na lang oh.
Mclain: Pero ano yan ah pag nag 167 ka per month para siyang naka-plan ba yan? So if hindi ka nakabayad ng the next month or para siyang recurring charge?
Philippe: Recurring charge sya, automatic kakaltas doon sa ano mo which is not bad. This is good. Nag-try ako.
Mclain: So until hindi ka nag-cancel, recurring charge siya.
Philippe: Yeah.
Mclain: So parang ano yun parang pwede ba siyang i-set for one year recurring charge o?
Philippe: No, I think dapat monthly, kasi.
Mclain: Pano kung makalimutan mo, ubos na yung GCash. 100 lang naman na Gcash ko negative pa.
Philippe: You have. I am not so sure about it pero we need to read the fine print kung anong kasama doon. Pero maganda siya. Inopen ko na. Um meron kang bronze 200 a month, silver 300 a month. 600 a month you get 1 million coverage, total medical coverage.
Tapos kasama sa benefits includes diagnostics benefit, disability and death benefit um coverage still easy on wallet, we cover accidents. Accidents are covered so para siyang HMO din. We are also, you are also covered if you get disabled or pass away due to ah pag namatay ka. Sorry. Yan. Pero yun, may ano ka.
Mclain: Okay yun, at least prepaid parang prepaid ang dating.
Philippe: It is prepaid. Kasi yung insurance, generally speaking kuha ka ng Sunlife, Value Life, mahal, mahal.
Sheigfred: Nasa magkano sila, nasa mga three?
Philippe: depending on your coverage
Sheigfred: Mga Four? Oo.
Philippe: Depending on your coverage na gusto mong kunin. So to give you kasi meron kaming coverage, so to give you an idea lang these insurance companies they will offer you. Ang insurance kasi is security. Pag namatay ka, it is not best for investment. Although pwede kang mag-invest pero kasi binebenta nila as investment and protection.
Pero it’s security for you generally. Ang insurance kasi pag may nangyari sayo may mababalik na pera. So in terms pag may pag namatay ka meron kang whatever based on kung magkano binayad mo. Okay. So if you want to for example yung example na coverage namin ha nasa um per year nagbabayad ako ng 100,000, per year ha.
Philippe: For the next 10 years so that’s 1 million yung ano. Yung coverage is malaki kasi for 1 million coverage for the next ano malaki pero pag na-half ko na parang it will base the coverage. It depends on the policy. Iba-iba yung policy natin eh. Customizable siya.
Sheigfred: Oo.
Philippe: Wala siya yung for example naka Jollibee ah one piece chicken. Wala siyang ganon. Pero ibe-base nila sa age mo, sa type of work mo kung high risk ka. So for example kung mahilig ka mag bungee jumping, mahilig ka mag wall rock mountain climbing or race car driver ka or piloto ka, high risk yung mga yan.
So yung kailangan mong bayaran mas mataas. Pero for example, introvert ka, nasa bahay ka lang work mo online tapos ah hindi ka nagyoyosi hindi ka nag-aano, mas mababa yung babayaran mo. So it’s very customizable. Kaya ‘yung mga tao, ako nga naguluhan ako eh tapos ‘yung paperwork parang magfa-file ka ng kaso sa korte daming pirma, notaryo.
Mclain: Paano yung mode of payment? Yun yung you go to.
Philippe: Pwedeng tseke, pwedeng cash, pupunta ka doon or bigay ka ng ano
Sheigfred: Paano pag ano may na-breach ka na may na-breach ka na isa sa kunwari ito na ano na oras na ng claim, pero may mga ganun ba na story na for example may na-breach ka na isa dun sa sobrang haba mong pinirmahan na kontrata tapos wala na na-breach mo na ‘yun hindi mo na siya makukuha. May mga ganun ba na story?
Philippe: Meron, meron may mga policies na ganon. Um I’m not sure with everyone pero yung sa policy namin pag after 10 years bayad na continuous yung ano secure ano ka na ah kumbaga you are insured all throughout until mamatay ka. Yun, iba-iba yung klaseng policy.
May policy if you reach to that point uh I remembered when we talked we I had a podcast with a insurance financial advisor. Ang sabi niya sa akin meron isang klaseng policy pag nabayaran mo na in full ah yung anak parang you bought a policy for your son.
Sheigfred: Transferable?
Philippe: Hindi siya transferable pero ‘yung policy na ‘yun para sa anak mo ‘pag lumaki at a certain age makakakuha siya ng 100,000 all through his life until mamamatay siya. So sabi ko paano kung 50 years old na siya e ‘yung value ng 100,000 after 50 years.
Syempre yung 100,000 that time parang 1,000 na lang. Sabi niya at least meron kang nakukuha. ‘Di ba so iba-iba pala. It’s a classic type of policy. Pero ito for example ito kasi, simplified. Hindi siya customized.
Philippe: Simplified to o meron kang 200 per month, 300 per month 600 per month. Pipili ka lang. Insurance from yung talagang medyo ano. Ang daming tanong, iche-check yung lifestyle mo, iche-check yung. Ang daming paperwork. Very parang to the point na parang ayoko na.
Sheigfred: Oo.
Philippe: Pero ‘yung mga ganitong insurance sa GCash makukuha mo, ang dali lang. Maganda pa. Mabilis sila mag uh mag-claim. ‘Yung Sing Life, that same financial advisor na na-interview ko, during COVID times si Singlife nagbigay ng nagbenta ng insurance na ganyan in GCash. So, nagbabayad siya for a certain amount, siguro 300 or 400 eh na-covid siya, na-claim niya.
Sheigfred: Ah talaga?
Philippe: Paano nya na-claim? Nag-email lang siya ng mga documents na supporting documents na nasa hospital siya na covid siya and everything. Uh after 3 days uh na process at ni-release ‘yung na-claim niya sa GCash niya.
Sheigfred: Yun ‘yung maganda kasi inisip ko nga din sa ganyan kapag time na ng claiming time na instead na gumaan yung, makatulong siya sayo lalong bibigat kasi ang hirap mag-claim eh.
Philippe: May investigation pa yan.
Sheigfred: Oo.
Philippe: Daming ano. Ang daming chuchu. Anyway, that was a great conversation with Sheig and Mclain. So, uh, we should i-invite kita ulit for another session in the near future.
Sheigfred: Oo, sure
Philippe: Kasi ang dami nating pag-uusapan, especially when it comes to IT and infrastructure. Okay.
