As traditional banks in the Philippines pull back on lending—recording their slowest credit growth in four months—a digital lender is stepping into the space with a product designed to keep money moving. JuanHand, backed by NYSE-listed FinVolution Group, has introduced a top-up loan feature that allows borrowers to access additional funds without first settling their existing debt, approved by AI in as little as five minutes. The move speaks to a deeper structural shift: millions of Filipinos, many of them outside the reach of conventional banking, are increasingly turning to digital platforms