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                    [ArticleID] => 2542107
                    [Title] => Goodbye, SMS OTPs: Banks' move to safer checks and what it means for you
                    [Summary] => 
Your bank may soon stop texting OTPs. What comes after this?

                    [DatePublished] => 2026-07-14 16:26:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/14/otp-banks_2026-07-14_16-18-28_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2539565
                    [Title] => BSP’s consumer-risk oversight tightens
                    [Summary] => 
BSP’s new consumer-risk framework could raise compliance costs for banks, e-wallets and digital lenders.

                    [DatePublished] => 2026-07-03 12:05:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2537044
                    [Title] => MTM relief cushions bank capital
                    [Summary] => 
BSP relief protects bank capital ratios from yield-driven securities losses, but does not remove underlying duration risk.

                    [DatePublished] => 2026-06-22 17:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2536340
                    [Title] => Digital payments pricing reset begins
                    [Summary] => 
Lower transfer fees could boost digital payments use, but banks may face pressure on transaction fee income.

                    [DatePublished] => 2026-06-19 11:33:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

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                (
                    [ArticleID] => 2526077
                    [Title] => Metrobank in Q1: Defensive positioning with limited ROE upside
                    [Summary] => 
MBT stayed defensively positioned, but weaker PPOP growth and limited ROE upside drove a downgrade to Neutral.

                    [DatePublished] => 2026-05-06 12:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2523275
                    [Title] => Earnings Recap: 4Q recovery masks soft full year, beats still scarce
                    [Summary] => 
Fourth-quarter improvement masked a softer full-year earnings picture, with beats still limited across the market.

                    [DatePublished] => 2026-04-24 13:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [6] => Array
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                    [ArticleID] => 2523278
                    [Title] => China Bank: FY2025 in line; Q1 2026 softer on non-core
                    [Summary] => 
CBC’s core lending business stayed solid, though weaker non-interest income softened first-quarter results.

                    [DatePublished] => 2026-04-24 13:57:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
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                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2522294
                    [Title] => Early credit stress signals emerge beneath stable defaults
                    [Summary] => 
Borrower behavior shows early stress signs, even as default rates remain broadly stable.

                    [DatePublished] => 2026-04-20 09:56:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2522296
                    [Title] => BSP faces tightening decision amid oil-driven inflation risks
                    [Summary] => 
Economists expect a possible BSP rate hike as oil-driven inflation and second-round risks build.

                    [DatePublished] => 2026-04-20 09:55:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2520029
                    [Title] => Asset quality trends show gradual normalization
                    [Summary] => 
Bank NPLs rose in February, though system buffers and provisioning remain supportive.

                    [DatePublished] => 2026-04-10 16:51:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
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banking sector

Array
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                (
                    [ArticleID] => 2542107
                    [Title] => Goodbye, SMS OTPs: Banks' move to safer checks and what it means for you
                    [Summary] => 
Your bank may soon stop texting OTPs. What comes after this?

                    [DatePublished] => 2026-07-14 16:26:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/14/otp-banks_2026-07-14_16-18-28_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2539565
                    [Title] => BSP’s consumer-risk oversight tightens
                    [Summary] => 
BSP’s new consumer-risk framework could raise compliance costs for banks, e-wallets and digital lenders.

                    [DatePublished] => 2026-07-03 12:05:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2537044
                    [Title] => MTM relief cushions bank capital
                    [Summary] => 
BSP relief protects bank capital ratios from yield-driven securities losses, but does not remove underlying duration risk.

                    [DatePublished] => 2026-06-22 17:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2536340
                    [Title] => Digital payments pricing reset begins
                    [Summary] => 
Lower transfer fees could boost digital payments use, but banks may face pressure on transaction fee income.

                    [DatePublished] => 2026-06-19 11:33:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2526077
                    [Title] => Metrobank in Q1: Defensive positioning with limited ROE upside
                    [Summary] => 
MBT stayed defensively positioned, but weaker PPOP growth and limited ROE upside drove a downgrade to Neutral.

                    [DatePublished] => 2026-05-06 12:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2523275
                    [Title] => Earnings Recap: 4Q recovery masks soft full year, beats still scarce
                    [Summary] => 
Fourth-quarter improvement masked a softer full-year earnings picture, with beats still limited across the market.

                    [DatePublished] => 2026-04-24 13:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2523278
                    [Title] => China Bank: FY2025 in line; Q1 2026 softer on non-core
                    [Summary] => 
CBC’s core lending business stayed solid, though weaker non-interest income softened first-quarter results.

                    [DatePublished] => 2026-04-24 13:57:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2522294
                    [Title] => Early credit stress signals emerge beneath stable defaults
                    [Summary] => 
Borrower behavior shows early stress signs, even as default rates remain broadly stable.

                    [DatePublished] => 2026-04-20 09:56:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2522296
                    [Title] => BSP faces tightening decision amid oil-driven inflation risks
                    [Summary] => 
Economists expect a possible BSP rate hike as oil-driven inflation and second-round risks build.

                    [DatePublished] => 2026-04-20 09:55:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2520029
                    [Title] => Asset quality trends show gradual normalization
                    [Summary] => 
Bank NPLs rose in February, though system buffers and provisioning remain supportive.

                    [DatePublished] => 2026-04-10 16:51:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

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)

abtest