(Target ng BSP) MAS MALAWAK NA PENSION, INSURANCE SERVICES

PINAG-AARALAN ng Bangko Sentral ng Pilipinas (BSP) ang pagtatayo ng isang platform na magpapalawak sa access ng mga Pilipino sa iba’t ibang pension at  insurance services, bilang bahagi ng mga pagsisikap nito na palakasin ang financial inclusion sa bansa.

Ayon kay BSP Governor Eli Remolona Jr., kinokonsidera ng central bank ang  open finance sa pamamagitan ng pagdidisenyo ng isang application programming interface (API) na sa simula ay magpopokus sa mga pensiyon sa ilalim ng  personal equity and retirement account (PERA) program.

“What we’re trying to do now is encourage open finance by designing our own platforms, our own APIs, and they will all be about financial health. So we’re starting with PERA for example, pension scheme,” ani Remolona.

“We’re gonna create an API for that and ask all the banks, all agreed to do this, connect to PERA so that account holders in the bank can do their pensions through PERA,” dagdag pa niya.

Ang PERA ay isang voluntary retirement saving program, na karagdagan sa umiiral na retirement benefits mula sa state-run Social Security System (SSS), Government Service Insurance System (GSIS), at employers.

Bukod sa PERA, sinabi ni Remolona na kinokonsidera rin ng BSP ang APIs para sa insurance offerings tulad ng life insurance, property insurance, at  accident insurance, habang tinukoy niya ang mataas na fees sa Pilipinas.

“I think when we have the open finance for insurance, that will bring prices down. We have work to do, so it’s not easy to do it. We got a lot of advice and access to expertise all over the world, and so I think we can do it,” aniya.