Buying Bonds Just Got Easier with ATRAM Prime

 

With the new year rolling in, do you have any new resolutions for your savings? Are you looking for a long-term option with relatively low risk and predictable returns? Get started on your resolution with Retail Treasury Bonds, now easily purchased through the ATRAM Prime app—the latest offering from the Philippines’ standalone asset management company.

 

Filipino investors can find stability in retail treasury bonds during times of uncertainty. They can earn a predictable return on their money without taking on too much risk through these bonds backed by the Philippine government, which makes them an attractive option for diversifying portfolios. For this option, investors can earn up to 5.8%* p.a. for a 5-year government bond.

 

*Indicative Yield-to-Maturity of RTB 05-16 as of 01/30/23

However, accessing bonds is challenging as people typically need to visit banks or financial institutions in order to invest – until today. The ATRAM Prime app cuts through the difficulties of conventional investing and opens up access to retail treasury bonds through your mobile phone. You can skip the multiple lengthy forms, avoid lining up, and enjoy lower minimum amounts to invest.

 

Choosing to invest in bonds through the ATRAM Prime app means you can enjoy steady and guaranteed returns on your hard-earned money. On top of this, you would not need to leave your home at all thanks to a purely-digital and mobile investing process. Paying for investments, receiving returns, managing your portfolio, and tracking the performance of individual investments can all be done through just one app.

 

"We’ve seen increasing demand for direct bonds in the retail market, and now through the ATRAM Prime app, we're excited to bring an easier way for Filipinos to build a more robust investment portfolio, to help them achieve their goals of financial freedom.

 

Through the app, you can learn about the different products you can invest in, and access a dedicated client advisor to help you on your investment journey. Now with the launch of direct bonds to strengthen our product suite, we believe we're well on our way to our goal of providing the best investing experience to help our clients achieve their financial goals.” - Virgil Banta, Vice President, ATRAM Prime

 

Diversifying your portfolio with retail treasury bonds and other investment products, such as mutual funds, is now easier, more achievable, and more convenient with the ATRAM Prime App. This latest investment platform from ATRAM aims to help more Filipinos enjoy financial security and reach their own personal goals.

"We believe asset management should always start with putting the needs of our customers first. From creating and pioneering some of the most innovative investment fund products over the years, we've also put effort into digital transformation to provide a better investing experience to our clients. Still, we continue to ask–with ATRAM’s goal of #MakingLivesBetter, how can we create a better financial future for everyone?

 

Traditionally, bonds have been a difficult investment product to purchase for retail clients. We got this feedback as well from the market last year and we went straight to work. Now, we're proud to have addressed this problem for our clients through ATRAM Prime.

 

The launch of direct bonds on our ATRAM Prime app is just the beginning of a stronger product suite for our clients–and it's only the beginning!” - Deanno Basas, CEO, ATRAM Digital

 

(Far left) Deanno Basas, CEO, ATRAM Digital; (Middle) Virgil Banta, Vice President, ATRAM Prime

Signing up only takes minutes and each investor gains access to a dedicated client advisor who can help make their investment journey better and more fruitful. The app’s intuitive interface makes navigation easier and ATRAM Prime’s client services team is ready to assist you with any questions or concerns.

 Download the ATRAM Prime App on the App Store or Google Play today and start investing in retail treasury bonds.

Jumpstarting growth: How ‘hacking’ your apps can be a solution for you

 

It seems almost every day we get bombarded with ads clamoring for us to download the hottest new app that will change our lives.

Need something to track your sleep, or something that can convert images to text? There’s an app for that! How about the note-taking app that’s somehow better than all the others on the market? There are quite a few of that, too! But which app should we get?

How can budding apps compete with already established titans in a market where recognition is everything?

Enter: Growth hacking.

It’s growing, growing, growing

But what exactly is growth hacking?

To put it simply, growth hacking is a strategy where creative tactics are employed in any part of the product development process and consumer journey to focus on growth. For startups and app creators, it’s certainly a viable alternative to reach a larger audience in a shorter period of time at a lower cost compared to traditional marketing.

Shane Shan, director of APAC Huawei Consumer Cloud Service, explains that “creativity at growth” means that developers must have a broader view of the entire process and they should pay close attention to every step in the product and user journey.

Perhaps the most important point of growth hacking, though, is its collaborative nature. It takes the efforts of everyone—from marketers, engineers, developers, to even the end-user—to optimize every step in the process and achieve growth quickly and effectively.

Applying their knowledge

Who better to peel away the curtain than the judges at AppsUP 2021: Huawei HMS App Innovative Contest? They will help budding app developers better understand the mobile app industry.

Nowadays, it’s not enough to just have a useful and creative app. It is also necessary to understand your potential user base by figuring out what they want. And delivering on that promise is an essential part of your app’s development stage.

“To grow your product, especially a video game, good community management is key,” shared Adam Ardisasmita, chief executive officer of Arsanesia.

He recommends having a platform like a Discord server, where users can actively give feedback and suggestions to improve the app.

Having actual user data to support whatever features you change or add to your product is important in ensuring your app’s continued success.

 Jojo Flores, co-founder of Plug and Play Tech Center, asserts that app developers should be flexible when it comes to feedback.

I’ve got an app, now what?

Involving creative decisions even in the early stages of development can be a great boon.

Frequent testing from an early stage can prevent last-minute changes later in the timeline that could end up quite costly for both time and budget.

Gwen Guo, chairperson of Singapore Games Association (SGGA), advises new app developers to first study their target market well and then create their marketing plan based on that. Next is to “form relationships with the launch platforms, understand what features these platforms have to boost visibility, whether it’s a featured page, new apps list, or seasonal collections.”

These lists can really help boost their app to a larger audience. Figuring out how they work and using them to their advantage is what makes a user click the download button.

 But the types of users are also important. “User engagement is important to sustain the business for an app. Sometimes, a high per-user engagement is better than having more users, which really doesn’t increase value. For example, it’s better to have one million paying users than having 10 million non-paying users,” Flores adds. That’s why over time, apps have updates that encourage increased app usage.

 Guo also recommends taking the time to build a community around your app, “Building a nurturing community that not just helps drum up hype for the app but also follows up with responsive support for customers, helping with customer retention and eventually ratings.”

 Hack it out with AppsUP 2021

 Another common growth hacking strategy is forging partnerships.

 “Establishing channel partnerships is one key step in making this (growth) happen, and a partnership with such platforms as the HUAWEI AppGallery becomes vital to product success,” Flores said.

 Since its launch in 2018, the AppGallery now has over 550 million active users globally. And though it’s relatively new to the market, it’s much easier for apps to be noticed in a less saturated platform.

 Huawei Mobile Services (HMS) is constantly introducing new features such as AI, AR and analytics in their open capabilities—HMS Core kits to help developers create better user experiences.

 “Understanding these tools and their capabilities will be useful for production planning—developers can either create new apps that push the potential of these features or use these features to enhance what they already have in current apps,” Guo said.

 HMS’ launch of AppsUP 2021 is a perfect opportunity for developers to take advantage of the HMS Core kits and earn a path to the third-largest mobile ecosystem.

 AppsUP 2021 is open to all mobile app developers and app owners, whether they be students, professionals, or startups. Developers must be based in the APAC region and the submitted apps must be developed or integrated with at least one HMS Core kit and published to AppGallery to be eligible.

 Don’t miss this opportunity to launch your app to millions of screens across the globe and win from the $200,000 APAC prize pool.

  For inquiries, visit AppsUP 2021’s official website at http://bit.ly/appsupapacpc.

 

A fun, entertaining app allows users to commemorate birthdays in a more rewarding way

 

Leveraging the available digital tools and platforms to bridge their services to more Filipinos, mostly those that are in the far-flung areas, PCSO, in partnership with Minedomain, Inc., is set to launch 'Birthday Panalo,' a free and easy-to-use application with an entertaining game which will allow Filipinos to celebrate important dates in their lives, like anniversaries and birthdays, with exciting cash prizes.

Made for Filipinos, by Filipinos

Designed with Filipinos in mind, the Birthday Panalo app banks on the deep-rooted culture of Pinoys in putting value in commemorating special dates like birthdays and anniversaries. 

While millennials are the main audience targeted with the launch of the app, Seaver Choy, Minedomain Inc. IT officer shared that ease of use is one of the main factors their team considered in developing Birthday Panalo to make it enjoyable for users across various age groups.

"We want the millennials to love this game so we went for what millennials want most -- ease of use. We only put in the necessary elements for users to be able to do what they need to do fast and immediately," he said.

"We focused on the user experience when we were developing by having iterating designs that had constant user feedback. Birthday Panalo has gone through multiple design changes based on different user feedback across different groups," Choy added.

The core group which made and designed the Birthday Panalo app was an all-Filipino team composed of professionals from the country’s top universities including De La Salle University, Polytechnic University of the Philippines, and University of the East.

"Birthday Panalo app was built with resilience and celebrations in mind. We made it fun and easy to bet but still overly secure," Choy furthered, assuring users that the personal data and information they input within the Birthday Panalo app are protected according to industry standards.

Choy noted that the Birthday Panalo app has been tested by local and international cybersecurity companies like GLI, Bolton Labs, and Mantua, among others, to ensure that the app has the needed safety measures in place to avoid leakage of user data.

"Internally, we are also certified when it comes to how we operate and how we maintain the application," Choy said.

Celebrations made even more rewarding

Within the app which carries design elements signifying Filipinos, ‘Kapanalo’ or users of the app can place a bet on a three-part number combination consisting of a month, a day, and a year. If the same combination gets to be picked during daily draws, a user can win as much as P100,000 as a cash prize.

After downloading the app, users can easily sign up using either their mobile phone or email address verified through a one-time password (OTP) sent by the app. Once done with the registration process, users can proceed participating in draws for as low PhP 10 which they can pay via mobile wallets like GCash and PayMaya. Winners of lucky date combinations which will be notified via the Birthday Panalo app may claim their prizes at the PCSO main branch in Mandaluyong City, or have it credited on their respective mobile wallets.

The Birthday Panalo app will soon be available for free download via the Google Play Store and the Apple App Store. Kapanalo from all over the Philippines can also look forward to playing the Birthday Panalo game in select PCSO outlets nationwide in the coming months.

Live streaming platform NiMO TV comes to the Philippines

Make way for an epic game-streaming app as NiMO TV officially launches in the Philippines bringing in exclusive partnership with Rules of Survival and TNC Pro Team Dota 2.

NiMO TV, a game streaming app focusing on community interactivity through chat and virtual gifts expands in the Philippines following its successful launch in other Southeast Asian countries like Malaysia, Indonesia, Thailand, and Vietnam.

NiMO TV features a user interface (UI) that streams top-trending games like PlayerUnknown’s Battlegrounds (PUBG), Mobile Legends, Dota 2, Rules of Survival and live online access to esports events and tournaments through its front-page listing.  It also allows game streamers and viewers to chat with one another in its live chatting platform, with this feature NiMO TV aims to create an ecosystem, which involves streamers, viewers, brand sponsors, and celebrity players with hopes to build the streaming experience more interactive and fan-friendly.

NiMO TV continuously strengthens its pool of streamers in both novice and veteran gamers. One testament is an exclusive partnership with the Philippines’ Pride TNC Pro Team Dota 2, a globally recognized squad who cemented its legacy by consistently qualifying and winning different Dota 2 Championships in the World with total earnings of more than 126 Million Pesos throughout their professional career.  

One exciting event in the pipeline is the upcoming Rules of Survival – NiMO TV - Philippine Champions League tagged as one of the country’s biggest esports league with a combined pool prize of Php 500,000. A cash prize ranging from Php 25,000 to Php 100,000 awaits the sixth to the first place winners of the event.

With NiMO TV’s expansion to the Philippines, they aim to make a solid presence in the rapidly growing world of esports and game streaming.

Download the NiMO TV app at Apple app store and Google Play store. Click link here.  https://nimotv.onelink.me/B6cW/d16e7349

Seeing AI app can now identify Indian currency

The latest update to Seeing AI brings new capabilities to the image recognition and narration app. Seeing AI can now detect Indian currency and narrate the denomination to the user. The app identifies all the notes in circulation including the new currency bills issued recently.

Currency bills are particularly challenging to identify, as they come in different sizes and textures, and are often modified by government. People who are blind or have low vision are known to fold these notes up in different shapes to be able to recognize and use them when needed, though still require means to differentiate denominations. Seeing AI brings this power to the users’ fingertips no matter where they are.

With the latest addition of Indian rupee detection, the app now supports five different currencies, including euros, US and Canadian dollars and British pounds. Seeing AI is currently available on the iOS App Store in 56 countries. Since its launch in July 2017, the app has helped users complete over 5 million tasks unassisted, and has been downloaded by over 150,000 users.

Designed for users with visual impairment, Seeing AI combines artificial intelligence and rich computer vision to narrate the world around users in real-time. By describing surrounding people, text, objects, colors, and currencies, Seeing AI serves as an example of how inclusive technology empowers people of all abilities.

You can download Seeing AI app from the App Store for your iOS device.

Jollibee is digital engagement leader among QSRs in PH

The Philippines’ #1 fast-food chain is also #1 in digital engagement. For decades, Jollibee has been capturing the taste buds of Filipinos with its langhap-sarap treats. Lately, the brand has been winning over the hearts of millions online with hit-after-hit digital content.

According to a report by Community Plus, a social listening tool used by various global brands, from January to June 2017, Jollibee outranked all other brands in the quick service restaurant category, particularly in Facebook where it garnered a majority 37% share of engagement, twice greater than its biggest foreign competitor. Social media intelligence tool Thoughtbuzz also reports that Jollibee is the #1 most talked about QSR brand, registering 1.5 million mentions in various digital platforms; almost triple that of its competitors in the same period.

Jollibee Global Brand Chief Marketing Officer and PH Marketing Head, Francis Flores shares, “Jollibee’s stellar digital success has been key to sustaining our market leadership in the country, across all our major target markets.”

Flores adds, “Through world-class, highly engaging online content and digital innovations, we will continue to break the internet to reinforce our position as the Philippines’ most loved, most talked about brand. For us in Jollibee, capturing the hearts of the Filipinos online (and offline) is the ultimate reward.”

The Kwentong Jollibee Success

The brand’s original short-film series, Kwentong Jollibee, has gone viral multiple times this year, and has earned multiple accolades not only from netizens but from industry leaders globally.

In February, the highly-evocative “Vow”, “Date”, and “Crush” Valentine’s videos successfully wooed the online audience with over 50 million views on Facebook and YouTube, about 1.3 million shares, 7.5 million in engagement, and 82 million reach (72% organic reach). The buzz of Kwentong Jollibee’s Valentine series generated over P150 million in free PR and media values as well.

The viral success of the Kwentong Jollibee episodes continued towards mid-year with “Parangal” and “Powers”—back-to-back moving tributes to the sacrifices of moms and the heroic deeds of dads, to provide a comfortable life for the family—as the Mother’s Day and Father’s Day videos garnered positive reactions from netizens and received 8.1 million and 7 million views, respectively.

The Kwentong Jollibee series’ most recent viral hit, “Apo” is proof not only of the enterprise’s sustained success but of Jollibee’s digital content mastery. A Grandparents’ Day special, “Apo” follows a young man recalling his happy childhood memories as he makes his way back home to the embrace of his “second parents”. With a whopping 29 million reach, over 14.2 million views and an engagement of 1.1 million, Jollibee’s special grandparents’ day tribute solidified the brand’s online leadership.

The most recent viral short film was coupled with a heart-tugging CSR effort, Grand Thank You Project, and a special video feature titled “Handog para kay Lola Belen”. The project recognizes hardworking grandparents and gives back the love with a Grandparents’ Day feast for their family and other forms of support such as financial aid. On the Grand Thank You Project’s second year, Jollibee features Lola Belen, a grandmother from Pangasinan who tirelessly sells local delicacies at a nearby Jollibee branch to provide for her loved ones. The video feature reached over 7.7 million netizens and 5.2 million views.

An Array of World-Class Digital Content

Apart from the emotional Kwentong Jollibee short films, Jollibee has also produced a number of successful online campaigns that have gotten netizens abuzz: from the impressive dance skills of the lovable mascots Jollibee and Friends in the JolliDance Showdown series with more than 29 million Facebook and YouTube views, the quirky quick escape tricks of JolliSavers for every Petsa de Peligro that reached more than 24 million views, to the sumptuous and heartwarming Chickenjoy campaigns that generated more than 28 million views.

Jollibee also introduced digital engagement innovations such as the Twitter Intercept, which uses social listening to be able to suggest various Jollibee products depending on day part and topic. This exercise rendered a 50% growth in conversation and craving for Jollibee and its products on Twitter.

The brand also launched the JolliDance Showdown App—the first augmented reality experience in the local QSR industry. With the free app, kids can turn the Jolly Joy Box of their Jolly Kids Meal into an interactive platform to bring to life a dancing Jollibee, compose their own dance tunes, and personalize their avatars for a unique augmented reality experience. To date, the app has registered more than 100,000 downloads.

Together, these efforts have led to astounding share of voice and share of engagement results across the QSR market for Jollibee on the digital platform.

There are definitely more exciting digital content from Jollibee to look forward to in the coming months.  Make sure to follow Jollibee on Facebook (facebook.com/jollibeephilippines), on YouTube (youtube.com/jollibeedigital1), and stay updated on Jollibee’s viral hits on Instagram and Twitter @jollibee.

Clash of Kings Update Gives Gamers Free Anniversary Gifts

Clash of Kings is celebrating its one-year anniversary with a neat update that just went live, offering free celebration gifts for a whole week. Attracting fans worldwide, Clash of Kings has proved to be quite popular since its debut a year ago, with the number of users increasing on a daily basis to over 64 million worldwide.

Clash of Kings is one of the most popular mobile games in 2015, with millions of downloads and players across Android and iOS, and this week the game turns one year old. The game keeps getting better and better as the developers are continuously updating Clash of Kings with more features, additional options, new attack strategies and new troops and buildings, and now to keep the excitement going everyone can receive free celebration gifts for an entire week.

ELEX recently did some maintenance on the game to ensure that users can enjoy a smooth experience. Moreover, a new update involving anniversary gifts will make things more interesting. Here is what is available in the Clash of Kings update anniversarycelebration:

• Increased resource gathering speed by 50% in the Kingdom Map 
• Increased the capacity of resource points by 50% in the World Map 
• Increased the Lord experience earned after defeating monsters by 300% 
• Added Fireworks items in the Shop for purchase, but you can also get free Fireworks in the Wishing Well by defeating monsters 
• Added drift bottles in the Fountain 
• Added Anniversary Medals

To celebrate Clash of Kings turning one, the update, which was announced early on Tuesday, August 11, allows users to get free celebration resources if they're willing to update to the latest version. In order to accumulate as many resources as possible, it is recommended that players sign-in often and clear their collectors.

In addition, early this month, ELEX released a massive update of Clash of Kings called the "Cross-Kingdom Wars update," that introduced new Ancient Battlefield event, a new Grand Alliance event, and a massive overhaul to the competitive players.

The announcement further touts that Clash of Kings has been widely successful, becoming the No. 3 mobile strategy game and strengthening the way mobile gamers enjoy. The game is now 10 times bigger in terms of both functions and players in comparison with last year, and it is available for free on Google Play here and on Apple's App Store here.

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