Made It Through Mum

Eleven years ago, geographic distance and cumbersome paperwork kept modern financial services out of reach for millions of Filipinos—especially those in rural and underserved communities. Today, Electronic Transfer & Advance Processing Inc. (eTap Inc.) stands as a vital pillar of the country’s financial infrastructure, marking over a decade of bridging the gap between cash‑based transactions and the fast‑growing digital economy. Founded on June 25, 2015, by Chairman Percy Hernandez and Chief Executive Officer Marlon Portugal, eTap began as a proudly homegrown fintech startup with only two employees. It has grown into a nationwide network of more than 1,000 team members and over 70 offices, establishing itself as a leading authority in self‑service technology solutions. Powering the ‘Phygital’ Shift At the heart of eTap’s mission lies the “phygital” economy: a seamless blend of physical cash handling and digital finance. This model creates an essential entry point for the unbanked a...

eTap founders with their sons who are the 2nd generation leaders of eTap. (from L-R); Reinier Allan E. Cruz, Vice President for Finance and Operations of eTap Solutions, Inc.; President & CEO of eTap Inc.; Percy Hernandez; eTap Inc. COO Marlon Portugal; and Carlo Roberto C. Hernandez, President and CEO of eTap Solutions, Inc. eTap Inc., the country's leading self-service payment kiosk provider with a 70% market share, is optimistic about its prospects in 2024. The company's founders noted that innovation and a passionate commitment to reaching out to and tapping the unbanked segment of the PH population propelled the company to become the leading self-service payment kiosk provider in the Philippines today. Leveraging on eight years of groundbreaking solutions, eTap Inc. has consistently stood as the number one choice by leading brands providing accessible and convenient financial services in the country. "At eTap, we believe in the transformative power of technology...