E-commerce barriers remain high

Trust in online shopping and digital payments in the Philippines is among the strongest in Southeast Asia, but logistics barriers and uneven regulatory enforcement are hampering the growth of small businesses, a regional study found.

A report by Singapore-based Blackbox Research said three in four Filipino e-commerce leaders view the country as ahead of its neighbors in digital payment maturity and consumer confidence.

However, they warned that inefficiencies in delivery, infrastructure and regulation are acting as a “hidden tax” on micro, small, and medium enterprises (MSMEs).

“Filipino consumers have shown remarkable trust in the digital economy, but the systems supporting that trust have yet to reach full maturity,” said David Black, founder and CEO of Blackbox Research.

“The opportunity now lies in closing those structural gaps so that MSMEs can scale alongside consumer demand,” he added.

Philippines Competitiveness Rating

Barriers

The study interviewed 46 e-commerce leaders and experts across Southeast Asia.

Regulatory inconsistencies were cited as a major barrier in e-commerce industries, with 87 percent of respondents saying uneven enforcement allows some cross-border sellers to evade taxes and product certification requirements.

In the Philippines, logistical gaps remain one of the biggest hurdles. The cost of shipping accounts for 20 percent to 30 percent of the order value, double that of those in mature markets.

The 7,641 islands in the archipelago further complicate shipping. Delivery timelines vary from 24 to 48 hours in Metro Manila to as long as seven to 14 days for remote provinces.

And while investment into e-commerce technologies is high, the report said this focused primarily on visibility and customer acquisition instead of reliability, returns processing and customer support.

Optimistic

Despite these challenges, the Philippines recorded an e-commerce optimism score of 7.93 out of 10 for the next three years, among the highest ratings in Southeast Asia.

“If logistics bottlenecks and compliance burdens can be tackled, the country is well placed to convert digital confidence into inclusive, nationwide growth,” the report said.

To maximize the country’s potential, the study called for greater public-private investment in MSMEs, expanded regional logistics hubs and simpler compliance processes.

“For the Philippines, the task is clear: strengthen the systems that sustain consumer confidence and ensure MSMEs are not just participants but beneficiaries of the region’s digital transformation,” the market research firm said.

“Without decisive collaboration on logistics, regulation and innovation, the very trust that fuels growth today could become its greatest constraint tomorrow,” it added.

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Source: Inquirer

Women go solo as they climb the property ladder

Mortgage lenders are noticing the new trend among those buying alone as the gender pay gap narrows

On Buckingham Street, just off the Strand in London, an elegant Georgian townhouse with a storied past is on sale for £3.25 million. Its blue plaque marks it as the former headquarters of the Women’s Social and Political Union and the place where the suffragette Emmeline Pankhurst once stood at an upstairs window, addressing the crowd below. “We are here, not because we are law-breakers. We are here in our efforts to become law-makers,” she declared, her voice carrying down to the River Thames.

Pankhurst was speaking to a crowd of women who would not have been able to get a mortgage to buy the house she was speaking from, no matter how much they earned. In Edwardian Britain, women were barred from taking out a mortgage or any form of credit without a male guarantor.

It would be another 60 years before that changed. This year marks the 50th anniversary of the Sex Discrimination Act 1975, the landmark law that outlawed discrimination in employment, credit and services on the grounds of sex or marital status.

For the first time, women could open bank accounts, apply for loans and take out mortgages in their own names. “The change in women being able to have access to a mortgage in their own name is within my lifetime,” says Helen Pankhurst, great-granddaughter of Emmeline and convenor of the women’s rights campaign group Centenary Action. “And we know women still struggle with the motherhood penalty, the gender pay gap, and the pension gap.

Charting a century of progress, from suffragettes to independent homeowners  

Something so fundamental as financial independence took decades to achieve, and it reminds us that the fight for equality is far from over.” Half a century later, the evidence of that hard-won independence is no longer written on placards, but on property deeds. Skipton Building Society processed 11.5 per cent more solo female mortgage applications than applications from single men in 2024.

Skipton also found that 37 per cent of women planning to buy a first home intend to do so alone, compared with 35 per cent who plan to buy with a partner. The proportion of female-only mortgage applicants has risen from 36 per cent in 2020 to 41 per cent last year, according to the broker Mojo Mortgages.

The numbers show that more and more women would prefer to buy on their own terms than wait until they are coupled up.  ‘I need to support myself’ For Jess Pursey, 33, a customer operations manager, that resolve took root this spring when she bought a 40 per cent share of a new house at Dorchester Living’s Heyford Park development near Bicester, Oxfordshire. Her share cost £162,000 of the £405,000 full market value, and she put down a £16,200 deposit through the part-buy, part-rent shared-ownership scheme. She finally felt she had “space to breathe”, she says, and a garden for her cats, George and Winnie. “It’s challenging to buy a home on a single income,” she says, “but it’s all about adjusting your lifestyle. It was important for me to lay these foundations for the future because nothing in life is guaranteed. I might be single for the rest of my life, or I might be the breadwinner even if I did meet a partner.

Relationships and marriages don’t always work out, but that house will always be mine.” Pursey’s determination to buy alone was shaped by experience. “The house I bought with my ex-partner was in both our names, and we split the mortgage 50/50, but he paid the deposit and always said it was his house. You don’t forget things like that,” she says. After their split, she moved in with her father to save rather than rent, determined that the next time she bought, it would be on her own terms.  “There’s a lot of propaganda suggesting women should prioritize finding a partner over their careers,” she says. “But I refuse to settle, and in the meantime, I still need to support myself.

While I could live at home, at nearly 34 that wasn’t what I wanted for myself. “I prefer to budget monthly so I can return to a home filled with my belongings, a place I’m proud of. I may not have children, but I have pets to care for, and they help make my house a home.” ‘Owning a flat in London is a dream’ For Fionnuala Carr, 31, buying her own home was about finding stability after years spent navigating London’s volatile rental market.

Carr works as a data analyst in Canary Wharf, east London, and in March bought a two-bedroom, two bathroom flat at Springfield Place, a Barratt London development in Wandsworth, south London, for about £600,000. She saved £60,000 on her own over four years for her 10 per cent deposit. “Owning a flat in London is a dream, and I knew it would be a good investment,” she says. “You get better value for money in London than in Dublin.”

She had been renting with three other women in Balham, southwest London, her rent almost as high as her mortgage, but saw that many of her female friends were starting to buy on their own. This gave her the courage to approach a financial adviser to see whether she could do it too. “He said there was never a good time to buy, which scared me, but he also said there’s never a good time to sell either. If it’s right for you and you can afford it, go for it,” she says.

Not ready to live entirely on her own, she looked for a two-bedroom, two bathroom property so she could shelter a friend from the stormy rental market to help her pay for the mortgage. She says, “I’m not under pressure, wondering if the landlord will sell or if we’ll be asked to move. I can decorate as I want and choose who I live with. I remember a friend complaining about her housemates not putting out the bins, and I just can’t deal with that any more.” ‘

Shared ownership was my best option’ For Victoria Broomham, 32, affordability was the hurdle. When she and her partner separated, she sold their jointly owned house in Maidstone, Kent, for £272,000, using £15,000 of equity as a deposit to buy a 48 per cent share of a one-bedroom apartment at David Wilson Homes’ The Poppies development, also in Maidstone, in May this year. “I spoke to a mortgage adviser who told me it would be impossible for me to buy outright,” she says. “If I didn’t want to rent, shared ownership was my only option.”

She now pays £652 a month for mortgage and rent, plus about £140 on energy bills, and has stayed close to her job as a pharmacy technician at Maidstone Hospital. “It wasn’t like I was moving out on my own; I still had Buddy (her miniature dachshund) with me, so I’d have to find somewhere where I could rent with him,” she says, “but I wanted to stay on the property ladder if I could. “For the first time, everything is solely on me.

There are moments, like finding a really big spider, that make me wish I lived with someone else, but mostly I absolutely love it.” ‘I crave independence’ If Broomham’s story illustrates how shared ownership keeps women on the ladder, Georgia McGregor’s experience shows the persistence it takes to climb onto it.

The 29-year-old insurance underwriter is still searching for a one or two-bedroom flat in southwest London. She has lived with family to save and, with an inheritance from  her grandparents, has a larger budget than she expected. “I was surprised by how much I could borrow,” she says. “But it feels as if I’m being dismissed, with the assumption that I’m not a serious buyer.

Some [estate] agencies don’t seem to genuinely listen to my requirements.” She has been outbid on five properties and describes the process as demoralizing, yet remains undeterred. “Buying your own place gives you independence, and that’s what I’m craving,” she says. “I haven’t got a partner at the moment and I don’t want to wait. If I buy by myself, my security is on me and I’m not dependent on someone else for somewhere to live.”

McGregor has seen friends caught in break-ups that turned property into a battleground. “Some of my friends bought with partners and their relationships ended, which led to messy arguments over who gets what,” she says. “Others bought with friends, made clear agreements and now they’re using that equity to buy individually.”

She also plans to take a lodger for extra financial breathing space once she finds the right home. Fifty years ago, a single woman applying for a mortgage might have been asked for her husband’s permission or have been required to bring a male guarantor.

Today, lenders are actively courting female buyers, and developers are tailoring homes with second bedrooms suitable for lodgers, secure entry systems and shared amenities such as co-working spaces, residents’ lounges and gyms that appeal to solo occupants. Back on London’s Buckingham Street, the townhouse where Pankhurst made her stand has been modernized with a vaulted kitchen, marble bathrooms and a small terrace overlooking Whitehall Gardens.

Grant Bates, the selling agent, says the property’s history adds to its allure. “It’s a house of significance,” he says. “It was a place of activism, and now it’s ready for a new chapter.” A century ago, the suffragettes rallied under the slogan “Deeds, not words”. For this new generation of women, those deeds come with a mortgage offer attached.

Source: The Times

Moving Forward: How the Philippines Can Unlock Health, Mobility & Climate Wins by Walking and Cycling

In many Philippine cities and towns, we see clogged roads, increasing vehicle ownership, traffic congestion, air pollution, and rising chronic health problems such as obesity and cardiovascular disease. At the same time, the country is highly vulnerable to climate change: sea‑level rise, typhoons, and the need to reduce greenhouse gas (GHG) emissions are real concerns. So there is a strong case for tackling mobility, health, and climate together. A recent global study (published in PNAS) shows that investing in walking and cycling infrastructure is one of those rare “triple‑win” strategies.

source: Scientific American Dec 2025

What the study found and why it matters for the Philippines

The global research shows that when cities are designed so that people can walk or cycle safely and conveniently, the benefits are huge.

Key findings:

• Higher population density → shorter trips → more walking/cycling.

• More extensive and better bicycle lane networks → meaningful uptick in cycling rates.

• Even climates with hot summers or cold winters are no barrier — what matters is the infrastructure and design.

• If all cities matched Copenhagen’s cycling network extent, global emissions from private vehicles could drop ~6%, and the health benefits would be in the hundreds of billions of dollars annually.

For the Philippines:

• Many urban areas (e.g., metro Manila, Cebu, Davao, etc.) already have high densities and many short trips. This is an advantage.

• If we bolster walking/cycling infrastructure (bike lanes, pedestrian‑friendly streets, mixed‐use neighborhoods) we can tap into latent potential for active mobility.

• Reducing vehicle dependency helps reduce congestion, air pollution (which affects health), and transport emissions (which matter for climate commitments).

• Health gains from active travel (more walking/cycling) include reduced risk of chronic disease, improved wellbeing and reduced health system burdens.

Specific Opportunities & Considerations for the Philippines

1. Urban planning & mixed‐use development In many Philippine cities, residential areas and workplaces/shopping/amenities may be separated, so short trips get done by vehicle or motorcycle. Encouraging mixed‐use development (homes, shops, offices closer together) helps make walking/cycling feasible.

2. Safe, continuous infrastructure for active travel Simply having a painted bike lane is not enough. The global study emphasized street‐design: separation from vehicle traffic, safe crossings, comfort for walkers/cyclists. In the Philippines, many sidewalks are discontinuous, obstructed, or absent; many bike lanes are fragmented or share space with vehicles. Upgrading these can raise walking/cycling rates.

3. Contextual fit & local culture The study shows: you don’t have to replicate Copenhagen exactly to succeed. What matters is tailoring to local conditions — topography, climate, culture, travel habits. For the Philippines, for example, around‑the‑year warm/humid climate is the norm, so shade, green corridors, rain protection might matter more. Hilly terrain or informal settlement patterns may present challenges.

4. Equity and inclusion Many Filipinos rely on walking and cycling out of necessity (not choice). Infrastructure upgrades must consider low‑income neighborhoods, safe access for women, children, elderly. Also linking active travel with public transit is key (so you can walk/cycle to the bus/train station).

5. Health and climate co‑benefits

   • Health: more walking/cycling → more physical activity → fewer chronic diseases, lower health system costs, improved quality of life.

   • Climate & emissions: lower reliance on private motor vehicles → fewer GHG emissions. This helps the Philippines meet its climate goals and reduces vulnerability from transport‑related air pollution.

   • Resilience & efficiency: A diversified mobility system that includes walking/cycling is more resilient (less dependent on fuel, less vulnerable to traffic jams) and more space‐efficient (less land used for parking, roads).

A Few Action Steps for Local Government & Communities

• Conduct a mobility audit: identify neighborhoods with high short‑trip potential (schools, workplaces, shops within 1‑3 km) and lacking safe walking/cycling infrastructure.

• Prioritize pedestrian first: wide continuous sidewalks, safe crossings, shade trees, lighting.

• Expand and connect bike lane networks: ensure continuity, safe intersections, visibility, and links to transit hubs and workplaces.

• Promote mixed‐use zoning and local amenities so shorter trips become practical.

• Launch behavioral campaigns: encourage walking/cycling by showing benefits, safety tips, community‑rides, walking groups.

• Measure and monitor progress: track mode‑share of walking/cycling, infrastructure length, safety outcomes, health metrics.

• Secure funding: active‑travel infrastructure tends to deliver strong cost‑benefit (health + environment) so build the business case for local budgeting or donor funding.

Why This Matters Now

The Philippines is at a critical juncture: urbanization is increasing, vehicle fleets are growing, climate change risks are mounting, and public health burdens are rising. Investing in walking and cycling isn’t just an “add‐on” — it’s a strategic investment in sustainable mobility, healthier citizens, and lower emissions. The global study gives strong evidence: the infrastructure choices we make today will shape health and climate outcomes for decades.

Conclusion

If the Philippines can shift more mobility toward walking and cycling — by density‐friendly development, robust infrastructure, and inclusive design — we stand to gain on multiple fronts: better health, less traffic stress, cleaner air, fewer emissions, more livable cities. The roadmap is there; what we need now is the will, the planning, and the action.

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Source: Ziggurat Real Estate