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18 Dec 2024

IMPORTANT NOTICE: Clarification on beep™ card acceptance at GHL-operated terminals

  Philippines, 18 December 2024 – AF Payments Inc. (AFPI) recently came out with a story announcing another milestone—its partnership with GHL Systems Philippines to expand beep card acceptance in the latter’s partner merchants’ terminals.   Unfortunately, it was communicated that Shell and W...

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22 Oct 2024

Visa launches second transit project in the Philippines, continues to collaborate with Good Transport and GHL to enable contactless payments in Bacolod City

Visa cards are now accepted on modern jeepneys in Bacolod City, offering a seamless transit experience and inclusive payment options for both daily commuters and tourists in the Philippines   Philippines, 21 October 2024 – Visa, a global leader in digital payments, has partnered with Good Tr...

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21 Oct 2024

JCB AND GHL EXPAND PAYMENT OPTIONS ACROSS MALAYSIA, THAILAND AND THE PHILIPPINES

Key Highlights: GHL and JCB announce its strategic partnership, enabling the acceptance of JCB Cards on GHL’s merchant terminals in Malaysia, Thailand and the Philippines. This partnership ensures that GHL will continue to remain an omni-channel provider of payment acceptance services across its...

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18 Dec 2024

IMPORTANT NOTICE: Clarification on beep™ card acceptance at GHL-operated terminals

  Philippines, 18 December 2024 – AF Payments Inc. (AFPI) recently came out with a story announcing another milestone—its partnership with GHL Systems Philippines to expand beep card acceptance in the latter’s partner merchants’ terminals.   Unfortunately, it was communicated that Shell and Watsons are included in the partner list, which is not currently the case.   We are overwhelmed by the interest and enthusiasm surrounding this development, and rest assured, we are diligently working to finalize all necessary processes. Once everything is in place, we will officially announce the GHL local retail partners that will accept beep cards.   We greatly appreciate your patience and understanding as we work to enhance your payment experience with beep. Thank you for your continued support for AF Payments Inc. Source: https://beep.com.ph/important-notice-clarification-on-beep-card-acceptance-at-ghl-operated-terminals/

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18 Dec 2024

IMPORTANT NOTICE: Clarification on beep™ card acceptance at GHL-operated terminals

  Philippines, 18 December 2024 – AF Payments Inc. (AFPI) recently came out with a story announcing another milestone—its partnership with GHL Systems Philippines to expand beep card acceptance in the latter’s partner merchants’ terminals.   Unfortunately, it was communicated that Shell and Watsons are included in the partner list, which is not currently the case.   We are overwhelmed by the interest and enthusiasm surrounding this development, and rest assured, we are diligently working to finalize all necessary processes. Once everything is in place, we will officially announce the GHL local retail partners that will accept beep cards.   We greatly appreciate your patience and understanding as we work to enhance your payment experience with beep. Thank you for your continued support for AF Payments Inc. Source: https://beep.com.ph/important-notice-clarification-on-beep-card-acceptance-at-ghl-operated-terminals/

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22 Oct 2024

Visa launches second transit project in the Philippines, continues to collaborate with Good Transport and GHL to enable contactless payments in Bacolod City

Visa cards are now accepted on modern jeepneys in Bacolod City, offering a seamless transit experience and inclusive payment options for both daily commuters and tourists in the Philippines   Philippines, 21 October 2024 – Visa, a global leader in digital payments, has partnered with Good Transport Solutions Inc. (GTSI), a transit mobility solutions provider, and GHL, a leading nationwide payment service provider and payment acquirer, to enable the use of Visa cards for payments on modern jeepneys in Bacolod City. This marks Visa's second transit project in the Philippines, following its first transit project launch in Cebu. Today, Visa unveiled this initiative during the annual MassKara Festival, together with representatives from GTSI, GHL and EastWest Bank, featuring 45 modern jeepneys equipped with Visa payment terminals. Passengers can now enjoy seamless, cashless transactions by tapping their Visa cards. The modern jeepneys also feature bus wraps promoting the EastWest Pay app, allowing users to link their EastWest Visa credit cards to Android smartphones for easy tap-to-pay purchases. Jeff Navarro, Country Manager for Visa Philippines, said: "We are thrilled to launch our second transit project in Bacolod City. This initiative aims to enhance travel experiences for commuters and tourists by providing more payment options. Visa is committed to improving payments in transit services, especially with the crucial role that transit plays in everyone’s daily lives. By enabling contactless payments, we are establishing a seamless, cross-border travel experience with a unified digital payment solution. This project aligns with Visa’s goal of fostering a cashless, digitally empowered ecosystem and driving innovation in transit solutions in the Philippines." A YouGov survey commissioned by Visa revealed that 67% of Filipinos are more likely to obtain a contactless card if it can be used for transport1. Visa has launched over 100 urban mobility projects across Asia Pacific, including cities like Bangkok, Beijing, Hong Kong, Singapore, and Sydney. The Bacolod City project signifies Visa's commitment to enhancing transit services in the Philippines, with plans to expand further. Transit experience benefiting both Bacolod City residents and tourists  Bacolod City experienced a 26% year-on-year increase in tourist arrivals from January to December 2023, according to the Bacolod City Tourism Office2. Complementing this growth, the Department of Public Works and Highways (DPWH) completed a PHP34.3-million project to improve Hernaez (Libertad) Street, enhancing safety and accessibility3. These developments enhance safety and accessibility for residents and visitors, reinforcing Bacolod City's status as a premier tourist destination. Alywin “Mia” P. Tamayo, SVP & Head of Credit Cards Business, EastWest Bank, said: "EastWest Bank, in partnership with Visa, is excited to promote the EastWest Pay app on Bacolod City's modern jeepneys. Our app enables cashless and contactless transactions with a simple smartphone tap, blending the benefits of a credit card and a mobile wallet while enhancing security with biometrics and tokenization. We believe our fintech innovations are essential for economic growth and improving customer experience, particularly with this new transit project in Bacolod City."  Brezhnev Tero, CEO, Good Transport Solutions Inc. (GTSI), said: “We are incredibly thankful to Visa, EastWest Bank, and GHL for their support in making this vision a reality, not just in Bacolod City, but in all the regions where we will be deploying our solution. The introduction of the EastWest Pay app across our transport network will revolutionize the way commuters pay for fares, ensuring a more modern and efficient travel experience. Our goal is to enhance the overall user experience by providing simple, fast, and secure payment options.” Jay Tirona, CEO, GHL Systems Philippines Inc, said: "Filipinos deserve progress. This partnership shows how technology and innovation in payments can deliver for the common good. With contactless payments in jeepneys, we’re driving positive change that will improve the daily commute for Filipinos and tourists alike. We are committed and happy to support and drive these advancements in the public transit experience across the nation by simplifying payments and making them more secure.”  "Each transit project in the Philippines promotes financial inclusion by increasing awareness and use of digital payment methods. Our efforts also enhance the infrastructure supporting these transactions, making it easier for passengers to adopt digital payments, regardless of their banking experience. Additionally, this initiative boosts financial literacy, empowering unbanked and underserved populations with secure and convenient payment solutions," added Navarro. According to Visa’s 2023 Global Urban Mobility Study, 96% of Asia Pacific commuters expect contactless payment options in public transit, which simplifies fare payment and boosts public transportation usage4. Visa's strong track record of over 1,000 transit projects worldwide promotes sustainable mobility by partnering with transit agencies globally. 1 YouGov survey commissioned by Visa, surveying more than 1,000 Filipinos from August to September 2024.2 “Bacolod City logs tourist arrival increase”, 30 August 2024, The Visayan Daily Star. https://visayandailystar.com/bacolod-city-logs-tourist-arrival-increase/3 “Better roads ensure safer travel for Bacolodnons”, SunStar, 3 Oct 2024. https://www.sunstar.com.ph/bacolod/better-roads-ensure-safer-travel-for-bacolodnons4 Choice, Convenience, Contactless: Future of Public Transit in Asia Pacific”, October 2023. https://www.visa.com.sg/about-visa/blog/bdp/2023/10/01/choice-convenience-contactless-1696130103907.html Source: https://www.visa.com.ph/about-visa/newsroom/press-releases/visa-launches-second-transit-project-in-the-philippines-continues-to-collaborate-with-good-transport-and-ghl-to-enable-contactless-payments-in-bacolod-city.html

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22 Oct 2024

Visa launches second transit project in the Philippines, continues to collaborate with Good Transport and GHL to enable contactless payments in Bacolod City

Visa cards are now accepted on modern jeepneys in Bacolod City, offering a seamless transit experience and inclusive payment options for both daily commuters and tourists in the Philippines   Philippines, 21 October 2024 – Visa, a global leader in digital payments, has partnered with Good Transport Solutions Inc. (GTSI), a transit mobility solutions provider, and GHL, a leading nationwide payment service provider and payment acquirer, to enable the use of Visa cards for payments on modern jeepneys in Bacolod City. This marks Visa's second transit project in the Philippines, following its first transit project launch in Cebu. Today, Visa unveiled this initiative during the annual MassKara Festival, together with representatives from GTSI, GHL and EastWest Bank, featuring 45 modern jeepneys equipped with Visa payment terminals. Passengers can now enjoy seamless, cashless transactions by tapping their Visa cards. The modern jeepneys also feature bus wraps promoting the EastWest Pay app, allowing users to link their EastWest Visa credit cards to Android smartphones for easy tap-to-pay purchases. Jeff Navarro, Country Manager for Visa Philippines, said: "We are thrilled to launch our second transit project in Bacolod City. This initiative aims to enhance travel experiences for commuters and tourists by providing more payment options. Visa is committed to improving payments in transit services, especially with the crucial role that transit plays in everyone’s daily lives. By enabling contactless payments, we are establishing a seamless, cross-border travel experience with a unified digital payment solution. This project aligns with Visa’s goal of fostering a cashless, digitally empowered ecosystem and driving innovation in transit solutions in the Philippines." A YouGov survey commissioned by Visa revealed that 67% of Filipinos are more likely to obtain a contactless card if it can be used for transport1. Visa has launched over 100 urban mobility projects across Asia Pacific, including cities like Bangkok, Beijing, Hong Kong, Singapore, and Sydney. The Bacolod City project signifies Visa's commitment to enhancing transit services in the Philippines, with plans to expand further. Transit experience benefiting both Bacolod City residents and tourists  Bacolod City experienced a 26% year-on-year increase in tourist arrivals from January to December 2023, according to the Bacolod City Tourism Office2. Complementing this growth, the Department of Public Works and Highways (DPWH) completed a PHP34.3-million project to improve Hernaez (Libertad) Street, enhancing safety and accessibility3. These developments enhance safety and accessibility for residents and visitors, reinforcing Bacolod City's status as a premier tourist destination. Alywin “Mia” P. Tamayo, SVP & Head of Credit Cards Business, EastWest Bank, said: "EastWest Bank, in partnership with Visa, is excited to promote the EastWest Pay app on Bacolod City's modern jeepneys. Our app enables cashless and contactless transactions with a simple smartphone tap, blending the benefits of a credit card and a mobile wallet while enhancing security with biometrics and tokenization. We believe our fintech innovations are essential for economic growth and improving customer experience, particularly with this new transit project in Bacolod City."  Brezhnev Tero, CEO, Good Transport Solutions Inc. (GTSI), said: “We are incredibly thankful to Visa, EastWest Bank, and GHL for their support in making this vision a reality, not just in Bacolod City, but in all the regions where we will be deploying our solution. The introduction of the EastWest Pay app across our transport network will revolutionize the way commuters pay for fares, ensuring a more modern and efficient travel experience. Our goal is to enhance the overall user experience by providing simple, fast, and secure payment options.” Jay Tirona, CEO, GHL Systems Philippines Inc, said: "Filipinos deserve progress. This partnership shows how technology and innovation in payments can deliver for the common good. With contactless payments in jeepneys, we’re driving positive change that will improve the daily commute for Filipinos and tourists alike. We are committed and happy to support and drive these advancements in the public transit experience across the nation by simplifying payments and making them more secure.”  "Each transit project in the Philippines promotes financial inclusion by increasing awareness and use of digital payment methods. Our efforts also enhance the infrastructure supporting these transactions, making it easier for passengers to adopt digital payments, regardless of their banking experience. Additionally, this initiative boosts financial literacy, empowering unbanked and underserved populations with secure and convenient payment solutions," added Navarro. According to Visa’s 2023 Global Urban Mobility Study, 96% of Asia Pacific commuters expect contactless payment options in public transit, which simplifies fare payment and boosts public transportation usage4. Visa's strong track record of over 1,000 transit projects worldwide promotes sustainable mobility by partnering with transit agencies globally. 1 YouGov survey commissioned by Visa, surveying more than 1,000 Filipinos from August to September 2024.2 “Bacolod City logs tourist arrival increase”, 30 August 2024, The Visayan Daily Star. https://visayandailystar.com/bacolod-city-logs-tourist-arrival-increase/3 “Better roads ensure safer travel for Bacolodnons”, SunStar, 3 Oct 2024. https://www.sunstar.com.ph/bacolod/better-roads-ensure-safer-travel-for-bacolodnons4 Choice, Convenience, Contactless: Future of Public Transit in Asia Pacific”, October 2023. https://www.visa.com.sg/about-visa/blog/bdp/2023/10/01/choice-convenience-contactless-1696130103907.html Source: https://www.visa.com.ph/about-visa/newsroom/press-releases/visa-launches-second-transit-project-in-the-philippines-continues-to-collaborate-with-good-transport-and-ghl-to-enable-contactless-payments-in-bacolod-city.html

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21 Oct 2024

JCB AND GHL EXPAND PAYMENT OPTIONS ACROSS MALAYSIA, THAILAND AND THE PHILIPPINES

Key Highlights: GHL and JCB announce its strategic partnership, enabling the acceptance of JCB Cards on GHL’s merchant terminals in Malaysia, Thailand and the Philippines. This partnership ensures that GHL will continue to remain an omni-channel provider of payment acceptance services across its footprint, enabling its merchants to accept all payment types including JCB cards, bolstering the accessibility and flexibility. The rollout is set to begin in Malaysia in the third quarter of 2024, followed by Thailand and the Philippines.   TOKYO & KUALA LUMPUR, 21 October 2024 : GHL Systems Berhad (GHL) and JCB International Co., Ltd., the international operations subsidiary of JCB Co., Ltd., Japan’s leading international payment brand (JCB) have officially announced its strategic partnership, enabling the acceptance of JCB Cards for GHL’s merchant terminals in Malaysia, Thailand and the Philippines. This regional collaboration represents a significant step forward for both companies, aiming to empower merchants and shoppers across these regions with enhanced payment convenience.   With JCB's extensive global presence and card network, this partnership adds another dimension to GHL's payment solutions. GHL merchants will seamlessly accept JCB Cards, offering a smooth payment experience for JCB cardmembers.   With GHL's merchant network stretching over a vast footprint of over 480,000 payment touchpoints, spanning various sectors across Malaysia, Thailand, and the Philippines, this partnership holds the potential to significantly increase JCB Card usage and accessibility. Through this partnership, the entire region can benefit from greater flexibility and the fostering of stronger business relationships between merchants and customers alike.   The tourism industry is projected to return to pre-pandemic levels by the end of 2024, with international tourism levels expected to surpass pre-pandemic figures. This resurgence is primarily driven by a stronger recovery in Asia, according to a report by the UN World Tourism Organization.   Sean Hesh, Executive Director & Group Chief Executive Officer at GHL said, "This partnership not only reinforces our dedication to innovation and delivering seamless payment solutions but also highlights our commitment to simplifying payments regionally. With GHL poised to expand payment options at the merchant’s point of sale, businesses are empowered to better accommodate the anticipated surge in inbound tourist spending in 2024 and beyond."    Hiroko Michishita, Managing Director, JCB International Asia Pacific said, “This is a milestone for JCB’s business expansion in the region since GHL has a strong presence as well as ambition to grow further in acquiring business. Leveraging this partnership, we will be able to better serve our cardmembers from across the globe with enhanced card acceptance points. In addition, our confidence in this partnership is strengthened as GHL utilizes the JCB Payment Gateway powered by Soft Space.”   The rollout is set to begin in Malaysia in the third quarter of 2024, followed by Thailand and the Philippines.

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21 Oct 2024

JCB AND GHL EXPAND PAYMENT OPTIONS ACROSS MALAYSIA, THAILAND AND THE PHILIPPINES

Key Highlights: GHL and JCB announce its strategic partnership, enabling the acceptance of JCB Cards on GHL’s merchant terminals in Malaysia, Thailand and the Philippines. This partnership ensures that GHL will continue to remain an omni-channel provider of payment acceptance services across its footprint, enabling its merchants to accept all payment types including JCB cards, bolstering the accessibility and flexibility. The rollout is set to begin in Malaysia in the third quarter of 2024, followed by Thailand and the Philippines.   TOKYO & KUALA LUMPUR, 21 October 2024 : GHL Systems Berhad (GHL) and JCB International Co., Ltd., the international operations subsidiary of JCB Co., Ltd., Japan’s leading international payment brand (JCB) have officially announced its strategic partnership, enabling the acceptance of JCB Cards for GHL’s merchant terminals in Malaysia, Thailand and the Philippines. This regional collaboration represents a significant step forward for both companies, aiming to empower merchants and shoppers across these regions with enhanced payment convenience.   With JCB's extensive global presence and card network, this partnership adds another dimension to GHL's payment solutions. GHL merchants will seamlessly accept JCB Cards, offering a smooth payment experience for JCB cardmembers.   With GHL's merchant network stretching over a vast footprint of over 480,000 payment touchpoints, spanning various sectors across Malaysia, Thailand, and the Philippines, this partnership holds the potential to significantly increase JCB Card usage and accessibility. Through this partnership, the entire region can benefit from greater flexibility and the fostering of stronger business relationships between merchants and customers alike.   The tourism industry is projected to return to pre-pandemic levels by the end of 2024, with international tourism levels expected to surpass pre-pandemic figures. This resurgence is primarily driven by a stronger recovery in Asia, according to a report by the UN World Tourism Organization.   Sean Hesh, Executive Director & Group Chief Executive Officer at GHL said, "This partnership not only reinforces our dedication to innovation and delivering seamless payment solutions but also highlights our commitment to simplifying payments regionally. With GHL poised to expand payment options at the merchant’s point of sale, businesses are empowered to better accommodate the anticipated surge in inbound tourist spending in 2024 and beyond."    Hiroko Michishita, Managing Director, JCB International Asia Pacific said, “This is a milestone for JCB’s business expansion in the region since GHL has a strong presence as well as ambition to grow further in acquiring business. Leveraging this partnership, we will be able to better serve our cardmembers from across the globe with enhanced card acceptance points. In addition, our confidence in this partnership is strengthened as GHL utilizes the JCB Payment Gateway powered by Soft Space.”   The rollout is set to begin in Malaysia in the third quarter of 2024, followed by Thailand and the Philippines.

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30 Aug 2024

Visa collaborates with Good Transport and GHL to enable contactless payments in Cebu and Mandaue City modern jeepneys in first transit project in the Philippines

08/28/2024 Visa cards can be used to pay on modern jeepneys in Cebu and Mandaue City, creating a seamless transit experience and inclusive acceptance for daily commuters and tourists in the Philippines   Visa, a world leader in digital payments, is collaborating with Good Transport Solutions Inc. (GTSI), a transit mobility solutions provider, and GHL, a leading nationwide payment service provider and payment acquirer. This collaboration has enabled the use of Visa cards for payments on modern jeepneys in Cebu and Mandaue City, the second biggest city in Cebu.  The initiative kicked off today with an official launch ceremony at the Cebu IT Park Transport Terminal, with Good Transport Solutions Inc. (GTSI) working in partnership with local transport operators, Lahug Apas Transport Cooperative (LATRANSCO) and Mandaue Transport Cooperative (MTC), to launch 120 modern jeepneys in Cebu and 20 modern jeepneys in Mandaue City. The onboard terminals in these vehicles now accept Visa payments. This initiative, part of a pilot project, signifies Visa's commitment to promoting transit acceptance in the Philippines with plans to expand to more modes of transit in coming years. Jeff Navarro, Country Manager for Visa Philippines, said: "We are thrilled to unveil Visa's inaugural transit project in the Philippines. This initiative aims to enhance the travel experience for daily commuters and tourists in Mandaue City by offering a wider array of payment options. As tourism in the Philippines rebounds, we have observed a growth in inbound tourism and this partnership will make the transit experience more seamless for tourists. The future of transit, both globally and within the Philippines, is poised to create inclusivity through open-loop, contactless payment systems in public transit, and will be centered around providing commuters with seamless, convenient, and secure payment options.” In February 2024, Cebu experienced a 69% year-on-year increase in visitors, welcoming 104,439 tourists, according to the Department of Tourism1. Meanwhile, Mandaue City, a popular tourist destination in Cebu, recorded 228,472 tourist arrivals between January and September 20222. With such strong tourism growth, the ability to use Visa cards on public transit significantly enhances convenience, as travelers increasingly prefer secure, contactless digital payments. Visa's Global Travel Intentions Study highlights this shift, revealing that 97% of Asia Pacific travelers plan to use card payments (credit, debit, or prepaid) on their trips, while only 17% intend to carry foreign currency (cash)3. Brezhnev Tero, CEO, Good Transport Solutions Inc. (GTSI), said: “We are proud to partner with Visa and GHL to bring the first-of-its-kind contactless payment solution to the Philippines’ transport sector through our Transport Mobility Solution, the Bus Revenue Tracker System (BRTS). This groundbreaking collaboration not only revolutionizes fare collection with enhanced efficiency and security but also redefines the commuter experience. By leading the way in transport innovation, we are making every journey smoother, faster, and more convenient, setting a new standard for public transport in the country.”   Jay Tirona, CEO, GHL Systems Philippines Inc, said: “This partnership is an exciting example of how technology and digital innovation in payments can come together positively for the private and public sectors, and ultimately, for the benefit of Filipinos who ride these jeepneys every day. These efficiencies drive social and economic change and we need to start with a focused approach, which I believe will eventually and inevitably be adapted across public transport systems nationwide.” Faster and more seamless travel through a cashless, open-loop system The rapid urbanization across Asia Pacific, with 120,000 people moving to cities daily, has underscored the need for efficient public transit systems. Governments, including the Philippines, are investing in these systems as part of their strategies to mitigate road congestion, with a focus on simplifying public transit payments and increasing digital payment options. ­ Visa’s Global Urban Mobility survey found that 58% of commuters favor a unified payment method for all transport modes, as currently half of them use four or more different methods each month4. Meanwhile, another Visa survey5 showed that implementing open-loop, contactless payment systems in public transit agencies creates a faster, safer, and more hygienic payment experience. Such a system promotes inclusivity and accessibility in public transit, even for those without access to traditional banking services, with modern payment systems simplifying fare processes for transit agencies, reducing costs and mitigating financial risks. “With Visa making access to payments more inclusive, we are glad to be moving the needle in embracing innovative systems such as the open-loop payment system which significantly enhances the commuting experience for all,” Navarro added. “This approach not only makes urban mobility more efficient and secure but ensures that everyone, especially those underserved by traditional banking services, has access to seamless and reliable public transportation.” __________________________________ 1 Department of Tourism, Feb 2024 Inbound Tourism Update. 2 “Cebu’s tourist arrivals reach 1.8M in 9 months”, December 2022.  3 “Contactless payments, experiential travel top Asia Pacific travel needs”, November 2023. 4 “Choice, Convenience, Contactless: Future of Public Transit in Asia Pacific”, October 2023 5 Visa Economic Empowerment Institute (VEEI) and ThoughtLab. “Reimagining ridership: Open-loop payments and the future of urban mobility”, 2023.   About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions, and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive. We believe economies that include everyone uplifts everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.  Original article can be found here.

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30 Aug 2024

Visa collaborates with Good Transport and GHL to enable contactless payments in Cebu and Mandaue City modern jeepneys in first transit project in the Philippines

08/28/2024 Visa cards can be used to pay on modern jeepneys in Cebu and Mandaue City, creating a seamless transit experience and inclusive acceptance for daily commuters and tourists in the Philippines   Visa, a world leader in digital payments, is collaborating with Good Transport Solutions Inc. (GTSI), a transit mobility solutions provider, and GHL, a leading nationwide payment service provider and payment acquirer. This collaboration has enabled the use of Visa cards for payments on modern jeepneys in Cebu and Mandaue City, the second biggest city in Cebu.  The initiative kicked off today with an official launch ceremony at the Cebu IT Park Transport Terminal, with Good Transport Solutions Inc. (GTSI) working in partnership with local transport operators, Lahug Apas Transport Cooperative (LATRANSCO) and Mandaue Transport Cooperative (MTC), to launch 120 modern jeepneys in Cebu and 20 modern jeepneys in Mandaue City. The onboard terminals in these vehicles now accept Visa payments. This initiative, part of a pilot project, signifies Visa's commitment to promoting transit acceptance in the Philippines with plans to expand to more modes of transit in coming years. Jeff Navarro, Country Manager for Visa Philippines, said: "We are thrilled to unveil Visa's inaugural transit project in the Philippines. This initiative aims to enhance the travel experience for daily commuters and tourists in Mandaue City by offering a wider array of payment options. As tourism in the Philippines rebounds, we have observed a growth in inbound tourism and this partnership will make the transit experience more seamless for tourists. The future of transit, both globally and within the Philippines, is poised to create inclusivity through open-loop, contactless payment systems in public transit, and will be centered around providing commuters with seamless, convenient, and secure payment options.” In February 2024, Cebu experienced a 69% year-on-year increase in visitors, welcoming 104,439 tourists, according to the Department of Tourism1. Meanwhile, Mandaue City, a popular tourist destination in Cebu, recorded 228,472 tourist arrivals between January and September 20222. With such strong tourism growth, the ability to use Visa cards on public transit significantly enhances convenience, as travelers increasingly prefer secure, contactless digital payments. Visa's Global Travel Intentions Study highlights this shift, revealing that 97% of Asia Pacific travelers plan to use card payments (credit, debit, or prepaid) on their trips, while only 17% intend to carry foreign currency (cash)3. Brezhnev Tero, CEO, Good Transport Solutions Inc. (GTSI), said: “We are proud to partner with Visa and GHL to bring the first-of-its-kind contactless payment solution to the Philippines’ transport sector through our Transport Mobility Solution, the Bus Revenue Tracker System (BRTS). This groundbreaking collaboration not only revolutionizes fare collection with enhanced efficiency and security but also redefines the commuter experience. By leading the way in transport innovation, we are making every journey smoother, faster, and more convenient, setting a new standard for public transport in the country.”   Jay Tirona, CEO, GHL Systems Philippines Inc, said: “This partnership is an exciting example of how technology and digital innovation in payments can come together positively for the private and public sectors, and ultimately, for the benefit of Filipinos who ride these jeepneys every day. These efficiencies drive social and economic change and we need to start with a focused approach, which I believe will eventually and inevitably be adapted across public transport systems nationwide.” Faster and more seamless travel through a cashless, open-loop system The rapid urbanization across Asia Pacific, with 120,000 people moving to cities daily, has underscored the need for efficient public transit systems. Governments, including the Philippines, are investing in these systems as part of their strategies to mitigate road congestion, with a focus on simplifying public transit payments and increasing digital payment options. ­ Visa’s Global Urban Mobility survey found that 58% of commuters favor a unified payment method for all transport modes, as currently half of them use four or more different methods each month4. Meanwhile, another Visa survey5 showed that implementing open-loop, contactless payment systems in public transit agencies creates a faster, safer, and more hygienic payment experience. Such a system promotes inclusivity and accessibility in public transit, even for those without access to traditional banking services, with modern payment systems simplifying fare processes for transit agencies, reducing costs and mitigating financial risks. “With Visa making access to payments more inclusive, we are glad to be moving the needle in embracing innovative systems such as the open-loop payment system which significantly enhances the commuting experience for all,” Navarro added. “This approach not only makes urban mobility more efficient and secure but ensures that everyone, especially those underserved by traditional banking services, has access to seamless and reliable public transportation.” __________________________________ 1 Department of Tourism, Feb 2024 Inbound Tourism Update. 2 “Cebu’s tourist arrivals reach 1.8M in 9 months”, December 2022.  3 “Contactless payments, experiential travel top Asia Pacific travel needs”, November 2023. 4 “Choice, Convenience, Contactless: Future of Public Transit in Asia Pacific”, October 2023 5 Visa Economic Empowerment Institute (VEEI) and ThoughtLab. “Reimagining ridership: Open-loop payments and the future of urban mobility”, 2023.   About Visa Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions, and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable, and secure payments network, enabling individuals, businesses, and economies to thrive. We believe economies that include everyone uplifts everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com.  Original article can be found here.

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29 Aug 2024

Visa collaborates with Good Transport and GHL to enable contactless payments in Cebu and Mandaue City modern jeepneys in first transit project in the Philippines

Cebu, Philippines, 28 August 2024 – In a move poised to transform the public transportation landscape in the Philippines, Visa has partnered with Good Transport Solutions Inc. (GTSI) and GHL Systems Philippines Inc. to enable contactless payments on modern jeepneys in Cebu and Mandaue City. This initiative marks Visa’s first transit project in the Philippines, further advancing the nation’s journey towards a cashless society.   The project officially launched today at the Cebu IT Park Transport Terminal, introducing 120 modern jeepneys in Cebu and 20 in Mandaue City, equipped with Visa-accepting payment terminals. The collaboration between GTSI, Visa, and GHL promises to revolutionize the daily commute for locals and enhance the experience for the growing number of tourists in the region.   Visa Philippines Country Manager Jeff Navarro expressed enthusiasm about the project, stating, “We are thrilled to unveil Visa's inaugural transit project in the Philippines. This initiative aims to enhance the travel experience for daily commuters and tourists in Mandaue City by offering a wider array of payment options. The future of transit is poised to create inclusivity through open-loop, contactless payment systems, providing commuters with seamless, convenient, and secure payment options.”   This initiative comes at a critical time for Cebu and Mandaue City, both of which are experiencing a surge in tourism. According to the Department of Tourism, Cebu saw a 69% year-on-year increase in visitors in February 2024, with 104,439 tourists flocking to the city. Mandaue City, a key tourist hub, recorded 228,472 arrivals between January and September 2022. The integration of Visa card payments into the local transportation system is expected to streamline travel for both residents and visitors, aligning with global trends toward digital and contactless payments.   Brezhnev Tero, CEO of Good Transport Solutions Inc., emphasized the significance of this collaboration, noting that it not only modernizes fare collection but also enhances the overall commuter experience. “By leading the way in transport innovation, we are making every journey smoother, faster, and more convenient, setting a new standard for public transport in the country,” Tero said.   Jay Tirona, CEO of GHL Systems Philippines, highlighted the broader implications of this initiative. “This partnership is an exciting example of how technology and digital innovation in payments can positively impact the private and public sectors, and ultimately, benefit Filipinos who ride these jeepneys every day,” Tirona stated.   As urbanization accelerates across Asia Pacific, with an estimated 120,000 people moving to cities daily, the need for efficient public transit systems becomes increasingly urgent. Visa’s Global Urban Mobility survey revealed that 58% of commuters favor a unified payment method for all transport modes. This project aligns with such preferences, offering a faster, safer, and more hygienic payment experience for passengers. Additionally, it paves the way for greater financial inclusion by providing access to modern payment systems even for those without traditional banking services.   The project is expected to serve as a blueprint for future expansions, with plans to extend Visa’s contactless payment system to other modes of transit across the Philippines in the coming years. As Visa continues to push the boundaries of digital payment innovation, this initiative stands as a testament to the company’s commitment to improving public transportation and supporting the country’s broader economic goals.   Visa’s entry into the Philippine transit sector is a significant step forward, promising not only enhanced convenience but also a more inclusive and connected transportation network for all.   (Released by Visa Philippines)

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29 Aug 2024

Visa collaborates with Good Transport and GHL to enable contactless payments in Cebu and Mandaue City modern jeepneys in first transit project in the Philippines

Cebu, Philippines, 28 August 2024 – In a move poised to transform the public transportation landscape in the Philippines, Visa has partnered with Good Transport Solutions Inc. (GTSI) and GHL Systems Philippines Inc. to enable contactless payments on modern jeepneys in Cebu and Mandaue City. This initiative marks Visa’s first transit project in the Philippines, further advancing the nation’s journey towards a cashless society.   The project officially launched today at the Cebu IT Park Transport Terminal, introducing 120 modern jeepneys in Cebu and 20 in Mandaue City, equipped with Visa-accepting payment terminals. The collaboration between GTSI, Visa, and GHL promises to revolutionize the daily commute for locals and enhance the experience for the growing number of tourists in the region.   Visa Philippines Country Manager Jeff Navarro expressed enthusiasm about the project, stating, “We are thrilled to unveil Visa's inaugural transit project in the Philippines. This initiative aims to enhance the travel experience for daily commuters and tourists in Mandaue City by offering a wider array of payment options. The future of transit is poised to create inclusivity through open-loop, contactless payment systems, providing commuters with seamless, convenient, and secure payment options.”   This initiative comes at a critical time for Cebu and Mandaue City, both of which are experiencing a surge in tourism. According to the Department of Tourism, Cebu saw a 69% year-on-year increase in visitors in February 2024, with 104,439 tourists flocking to the city. Mandaue City, a key tourist hub, recorded 228,472 arrivals between January and September 2022. The integration of Visa card payments into the local transportation system is expected to streamline travel for both residents and visitors, aligning with global trends toward digital and contactless payments.   Brezhnev Tero, CEO of Good Transport Solutions Inc., emphasized the significance of this collaboration, noting that it not only modernizes fare collection but also enhances the overall commuter experience. “By leading the way in transport innovation, we are making every journey smoother, faster, and more convenient, setting a new standard for public transport in the country,” Tero said.   Jay Tirona, CEO of GHL Systems Philippines, highlighted the broader implications of this initiative. “This partnership is an exciting example of how technology and digital innovation in payments can positively impact the private and public sectors, and ultimately, benefit Filipinos who ride these jeepneys every day,” Tirona stated.   As urbanization accelerates across Asia Pacific, with an estimated 120,000 people moving to cities daily, the need for efficient public transit systems becomes increasingly urgent. Visa’s Global Urban Mobility survey revealed that 58% of commuters favor a unified payment method for all transport modes. This project aligns with such preferences, offering a faster, safer, and more hygienic payment experience for passengers. Additionally, it paves the way for greater financial inclusion by providing access to modern payment systems even for those without traditional banking services.   The project is expected to serve as a blueprint for future expansions, with plans to extend Visa’s contactless payment system to other modes of transit across the Philippines in the coming years. As Visa continues to push the boundaries of digital payment innovation, this initiative stands as a testament to the company’s commitment to improving public transportation and supporting the country’s broader economic goals.   Visa’s entry into the Philippine transit sector is a significant step forward, promising not only enhanced convenience but also a more inclusive and connected transportation network for all.   (Released by Visa Philippines)

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11 Jun 2024

GHL and Alipay+ Partner to Facilitate Cross-Border Digital Payments in the Philippines

Key Highlights: GHL Systems Philippines, Inc. (GHL Philippines) has enabled local businesses in the Philippines to accept cross-border digital payments from leading Asian mobile wallets, via Alipay+. This allows retail outlets powered by GHL to seamlessly accept cross-border digital payments from prominent Asian mobile wallets, including those from top tourist arrivals to the Philippines, such as AlipayHK (Hong Kong SAR), Kakao Pay (South Korea) and Touch ‘n Go eWallet (Malaysia). This partnership aims to enhance the payment experience for travelers while benefiting a wide array of local businesses spanning retail, food and beverage, hospitality, and attractions nationwide. Manila, PHILIPPINES: GHL Systems Philippines Inc. (GHL Philippines), a wholly owned subsidiary of GHL Systems Berhad, has enabled Alipay+ for local businesses in the Philippines to accept cross-border digital face-to-face and e-commerce payments from leading Asian mobile wallets. This integration allows merchants to seamlessly accept cross-border digital payments from prominent Asian mobile wallets, including AlipayHK (Hong Kong SAR), Kakao Pay (South Korea), Touch ‘n Go eWallet (Malaysia), and Alipay (Chinese mainland), which represent the top inbound travelers to the Philippines. Travelers from these regions can now conveniently utilise their local mobile wallets to make payments in the Philippines at even more merchants, offering a diverse range of payment options beyond cash or foreign-issued credit or debit cards.    Through this partnership with Alipay+, the cross-border mobile payment and digitalization technology solutions operated by Ant International, travelers visiting the Philippines can now utilise their home e-wallets at retail outlets powered by GHL. This partnership aims to enhance the payment experience for travelers while benefiting a wide array of local businesses spanning retail, food and beverage, hospitality, and attractions nationwide.   Tourist arrivals in the Philippines are forecasted to reach 8.21 million this year, surpassing both 5.4 million for 2023 and 7.1 million for 2019 figures, the latter representing the last full year before the onset of the pandemic. This uptick underscores the significant rebound in tourism, and a growing need for efficient and accessible payment solutions. GHL Philippines’ CEO, Jay Tirona said, “This partnership signifies a significant leap forward in our mission to enhance the digital payment landscape in the Philippines. Besides enabling local businesses to tap into a broader customer base, we are also reinforcing our commitment to provide innovative solutions that cater to the evolving needs of both merchants and consumers. We are excited about the possibilities this partnership brings and the positive impact it will have on facilitating seamless cross-border transactions in the country.” Ant International Country Manager for the Philippines, Michael Hao said, “We are excited about our partnership with GHL Philippines and the opportunities it presents to transform cross-border payments in the Philippines. This collaboration underscores our commitment to providing innovative and seamless payment solutions to users worldwide. As tourists return to explore the beauty of the Philippines, we aim to empower more local merchants to benefit from the growth in tourism and engage with global users more easily.”    Introduced by Ant International in 2020, Alipay+ now connects over 88 million merchants in 57 countries and regions to users of over 25 e-wallets and bank apps, allowing consumers to travel and pay hassle-free globally, and merchants to build out cross-border consumer engagement and digital marketing. Other than the Philippines, Alipay+ is also widely accepted in other popular travel destinations like Singapore, Malaysia, Thailand, Japan, South Korea, Europe and Middle East.

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11 Jun 2024

GHL and Alipay+ Partner to Facilitate Cross-Border Digital Payments in the Philippines

Key Highlights: GHL Systems Philippines, Inc. (GHL Philippines) has enabled local businesses in the Philippines to accept cross-border digital payments from leading Asian mobile wallets, via Alipay+. This allows retail outlets powered by GHL to seamlessly accept cross-border digital payments from prominent Asian mobile wallets, including those from top tourist arrivals to the Philippines, such as AlipayHK (Hong Kong SAR), Kakao Pay (South Korea) and Touch ‘n Go eWallet (Malaysia). This partnership aims to enhance the payment experience for travelers while benefiting a wide array of local businesses spanning retail, food and beverage, hospitality, and attractions nationwide. Manila, PHILIPPINES: GHL Systems Philippines Inc. (GHL Philippines), a wholly owned subsidiary of GHL Systems Berhad, has enabled Alipay+ for local businesses in the Philippines to accept cross-border digital face-to-face and e-commerce payments from leading Asian mobile wallets. This integration allows merchants to seamlessly accept cross-border digital payments from prominent Asian mobile wallets, including AlipayHK (Hong Kong SAR), Kakao Pay (South Korea), Touch ‘n Go eWallet (Malaysia), and Alipay (Chinese mainland), which represent the top inbound travelers to the Philippines. Travelers from these regions can now conveniently utilise their local mobile wallets to make payments in the Philippines at even more merchants, offering a diverse range of payment options beyond cash or foreign-issued credit or debit cards.    Through this partnership with Alipay+, the cross-border mobile payment and digitalization technology solutions operated by Ant International, travelers visiting the Philippines can now utilise their home e-wallets at retail outlets powered by GHL. This partnership aims to enhance the payment experience for travelers while benefiting a wide array of local businesses spanning retail, food and beverage, hospitality, and attractions nationwide.   Tourist arrivals in the Philippines are forecasted to reach 8.21 million this year, surpassing both 5.4 million for 2023 and 7.1 million for 2019 figures, the latter representing the last full year before the onset of the pandemic. This uptick underscores the significant rebound in tourism, and a growing need for efficient and accessible payment solutions. GHL Philippines’ CEO, Jay Tirona said, “This partnership signifies a significant leap forward in our mission to enhance the digital payment landscape in the Philippines. Besides enabling local businesses to tap into a broader customer base, we are also reinforcing our commitment to provide innovative solutions that cater to the evolving needs of both merchants and consumers. We are excited about the possibilities this partnership brings and the positive impact it will have on facilitating seamless cross-border transactions in the country.” Ant International Country Manager for the Philippines, Michael Hao said, “We are excited about our partnership with GHL Philippines and the opportunities it presents to transform cross-border payments in the Philippines. This collaboration underscores our commitment to providing innovative and seamless payment solutions to users worldwide. As tourists return to explore the beauty of the Philippines, we aim to empower more local merchants to benefit from the growth in tourism and engage with global users more easily.”    Introduced by Ant International in 2020, Alipay+ now connects over 88 million merchants in 57 countries and regions to users of over 25 e-wallets and bank apps, allowing consumers to travel and pay hassle-free globally, and merchants to build out cross-border consumer engagement and digital marketing. Other than the Philippines, Alipay+ is also widely accepted in other popular travel destinations like Singapore, Malaysia, Thailand, Japan, South Korea, Europe and Middle East.

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31 Jul 2023

GHL EXTENDS SUCCESSFUL LOAN FACILITY TO THE PHILIPPINES

Key highlights: GHL expands its core payment processing business in the Philippines with the GHL SME Loan for existing merchants. The GHL SME Loan offers competitive interest rates and a simplified application process to help SMEs in the Philippines. GHL will expand the lending service beyond its own merchant network in the Philippines by the third quarter of 2023.  Manila, PHILIPPINES:  Malaysia-based GHL Systems Berhad (GHL), the leading payment service company in the ASEAN region, plans to replicate the success of its micro-lending initiative with the launch of the GHL SME Loan in the Philippines.The micro financing facility aims to provide small and medium enterprises (SMEs) with funds to support their cash flow and business growth. GHL is offering its SME customers the convenience of making  loan payments through their existing settlement arrangement with the payment service company.Since its launch in Malaysia in 2022, the GHL SME Loan facility has already attracted over 700 merchants and disbursed over 40 million Malaysian Ringgit (about Php285 million) in loans to date. After its successful rollout across GHL’s existing merchant base in the Philippines, the GHL SME Loan will be offered to the broader SME community nationwide by August 2023. “SMEs are the lifeblood of the Philippine economy. We understand that access to reliable credit is a critical challenge for many small businesses due to the stringent requirements and the lengthy application process of banks. The GHL SME Loan aims to address these challenges and provide businesses with the financial capital to compete and grow in the Philippines’ thriving business environment,” newly appointed GHL Philippines CEO Jay Tirona said. The GHL SME Loan has been approved and registered with the Philippines’ Securities and Exchange Commission (SEC). Combined with competitive interest rates, the GHL SME Loan offers a simplified loan application process. Loan applicants need only to present the authorized signatory’s valid government-issued ID. There is no upfront payment required, ensuring that businesses can access the funding they need quickly and easily.“The GHL SME Loan facility reaffirms the company’s commitment to drive a more financially inclusive ecosystem that enables SMEs to access resources needed for growth,” Mr. Tirona added. To apply for a GHL SME Loan or obtain further details, visit https://ph.ghl.com/smeloan. 

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31 Jul 2023

GHL EXTENDS SUCCESSFUL LOAN FACILITY TO THE PHILIPPINES

Key highlights: GHL expands its core payment processing business in the Philippines with the GHL SME Loan for existing merchants. The GHL SME Loan offers competitive interest rates and a simplified application process to help SMEs in the Philippines. GHL will expand the lending service beyond its own merchant network in the Philippines by the third quarter of 2023.  Manila, PHILIPPINES:  Malaysia-based GHL Systems Berhad (GHL), the leading payment service company in the ASEAN region, plans to replicate the success of its micro-lending initiative with the launch of the GHL SME Loan in the Philippines.The micro financing facility aims to provide small and medium enterprises (SMEs) with funds to support their cash flow and business growth. GHL is offering its SME customers the convenience of making  loan payments through their existing settlement arrangement with the payment service company.Since its launch in Malaysia in 2022, the GHL SME Loan facility has already attracted over 700 merchants and disbursed over 40 million Malaysian Ringgit (about Php285 million) in loans to date. After its successful rollout across GHL’s existing merchant base in the Philippines, the GHL SME Loan will be offered to the broader SME community nationwide by August 2023. “SMEs are the lifeblood of the Philippine economy. We understand that access to reliable credit is a critical challenge for many small businesses due to the stringent requirements and the lengthy application process of banks. The GHL SME Loan aims to address these challenges and provide businesses with the financial capital to compete and grow in the Philippines’ thriving business environment,” newly appointed GHL Philippines CEO Jay Tirona said. The GHL SME Loan has been approved and registered with the Philippines’ Securities and Exchange Commission (SEC). Combined with competitive interest rates, the GHL SME Loan offers a simplified loan application process. Loan applicants need only to present the authorized signatory’s valid government-issued ID. There is no upfront payment required, ensuring that businesses can access the funding they need quickly and easily.“The GHL SME Loan facility reaffirms the company’s commitment to drive a more financially inclusive ecosystem that enables SMEs to access resources needed for growth,” Mr. Tirona added. To apply for a GHL SME Loan or obtain further details, visit https://ph.ghl.com/smeloan. 

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6 Jul 2023

Beware of Loan Scams. Don't Be A Victim.

🚨 SCAM ALERT: We have become aware that someone is fraudulently using our company name to offer loans. Follow these tips to protect yourself:❗Do not respond to unsolicited loan offers. ❗Avoid loan offers that have upfront payments or fees. ❗Beware of high-pressure tactics to force quick decisions.   If you received any suspicious communications, please contact us immediately at ph_helpdesk@ghl.com or 02 7744 9445.

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6 Jul 2023

Beware of Loan Scams. Don't Be A Victim.

🚨 SCAM ALERT: We have become aware that someone is fraudulently using our company name to offer loans. Follow these tips to protect yourself:❗Do not respond to unsolicited loan offers. ❗Avoid loan offers that have upfront payments or fees. ❗Beware of high-pressure tactics to force quick decisions.   If you received any suspicious communications, please contact us immediately at ph_helpdesk@ghl.com or 02 7744 9445.

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27 Mar 2023

NOTICE │ Beware of SME Lending Scam by 'GHL Philippines Financing Services Inc'

We would like to inform the public that we have received reports from alleged victims of a scam operation that uses the company name 'GHL Philippines Financing Services Inc'. Based on the reports we have received, these fraudsters will contact SME businesses owners and offer them a loan with a requirement to pay a fee for loan activation. They deceive the public to believe that they are licensed money lenders by presenting fake Securities and Exchange Commission (SEC) documents. However, after paying the fee, the victim is asked to pay another amount to unlock their account and receive the loan amount. We would like to clarify that these individuals and groups have no affiliation with GHL Systems Philippines, Inc. or GHL Philippines Financing Services, Inc. The SME Loan service offered by GHL Philippines Financing Services, Inc. do not require any fees for loan activation. Furthermore, the SME Loan service is only offered to existing merchants of GHL Systems Philippines, Inc. through face-to-face interactions. We do not offer digital or online loans at this time. We want to make it clear that GHL Systems Philippines, Inc. does not engage in such activities and we condemn any form of fraudulent behavior. We have reported the incident to the appropriate authorities and are taking all necessary measures to ensure that this does not happen again. It is important to be vigilant and cautious when dealing with financial transactions, especially online. For further clarification, please do not hesitate to contact us at ph_helpdesk@ghl.com or 02 7744 9445.

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27 Mar 2023

NOTICE │ Beware of SME Lending Scam by 'GHL Philippines Financing Services Inc'

We would like to inform the public that we have received reports from alleged victims of a scam operation that uses the company name 'GHL Philippines Financing Services Inc'. Based on the reports we have received, these fraudsters will contact SME businesses owners and offer them a loan with a requirement to pay a fee for loan activation. They deceive the public to believe that they are licensed money lenders by presenting fake Securities and Exchange Commission (SEC) documents. However, after paying the fee, the victim is asked to pay another amount to unlock their account and receive the loan amount. We would like to clarify that these individuals and groups have no affiliation with GHL Systems Philippines, Inc. or GHL Philippines Financing Services, Inc. The SME Loan service offered by GHL Philippines Financing Services, Inc. do not require any fees for loan activation. Furthermore, the SME Loan service is only offered to existing merchants of GHL Systems Philippines, Inc. through face-to-face interactions. We do not offer digital or online loans at this time. We want to make it clear that GHL Systems Philippines, Inc. does not engage in such activities and we condemn any form of fraudulent behavior. We have reported the incident to the appropriate authorities and are taking all necessary measures to ensure that this does not happen again. It is important to be vigilant and cautious when dealing with financial transactions, especially online. For further clarification, please do not hesitate to contact us at ph_helpdesk@ghl.com or 02 7744 9445.

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