Voyager Innovations Products

1. FreeNet
2. FINTQ
a. LockbyMobile
b. Lendr
3. Talk2
4. Big Data CRM

Freenet

Freenet is the free data platform of Voyager Innovations, the digital

innovations unit of PLDT and Smart, supported on Amazon Web Services
Cloud platform.
Through Freenet, users will continue to be able to access select apps and
websites for free by downloading the freenet app on their phones and never
worry about unintended data charges. About 70 brands and enterprises are
already using the freenet platform to allow their users to access their sites
and apps for free.
Freenet is an application which aids in the digital and financial inclusions of
Filipinos with the help of technology.

FINTQnologies (FINTQ)

FINTQnologies (FINTQ) is the financial technology unit of Voyager

Innovations, the digital innovations arm of the PLDT Group
FINTQ provides consumer-centric and demand-driven innovative digital
platforms, products and services for financial and non-financial institutions
across underserved, unserved and banked customers. These cover digital
lending, disbursements, micro-savings, micro-insurance, NFC
contactless and online payments, and, anti-fraud and card control
solution, among others.
FINTQs products include Lendr, a multi-channel, telco-agnostic consumer
loans marketplace, and LockByMobile, a mobile-based anti-fraud and card
control solution app for all payment cards.
Lendr is an end-to-end loans origination and loans management platform
that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform
in applying and processing any type of loan. This frictionless innovative
solution enables and empowers Smart, Sun TalkNText, Globe, TM and other
mobile network subscribers to have a one-stop loans shop showing all loan
offers of all participating banks for faster, more convenient, dynamic, secure
and engaging loan application experience (http://www.lendr.com.ph/what-islendr/)
Customer Journey (mobile or online site)
STEP 1. Register / Create your Lendr Account
1.Customer goes to the Lendr website and clicks REGISTER/Login
2.Creates a LENDR Account > Set up profile
3.Enter Mobile Number > Customer receives an OTP & Enters onscreen >

System validates OTP

4.Enter Full Name > Create and Reconfirm Password
5.Proceeds to Loans Marketplace
STEP 2. Lendr Marketplace
1.Customer VISITS the Lendr Loans marketplace
2.Chooses what kind of loan he is looking for
3.Pre-computes for the monthly amortization
4.Chooses which bank he wants to apply to (can be more than one bank)
5.Completes the Application Form and attaches ID and suporting docs >
Agrees to all Terms & Conditions and other bank policies
6.Electronically signs and SUBMITS for Bank processing
STEP 3. Loans Approval and Crediting
1.Once the bank processes, proceeds to approve the loan
2.Customer receives a notification via SMS and push notification thru Lendr
3.Customer goes to the Lendr site and ACCEPTS the loan (or rejects)
4.If accepted, Bank releases the credit of the net loan proceeds*
*Some crediting options:
Credit to account
Managers check
Pick-up thru branch
Etc.
5.Customer can withdraw or claim the loan proceeds.
http://www.lendr.com.ph/how-lendr-works/
LockByMobile provides an additional security layer for consumer accounts,
such as credit, debit and prepaid cards, and even electronic wallets.
Take control with LockByMobile's disable and re-enable function by "locking
and unlocking" your accounts using your mobile phone.
1. Auto-lock your cards based on specific parameters
2. Seamless user interface for multiple accounts
3. A portal, mobile app, SMS and USSD based Secure Facility
4. Setup your own alerts
5. One solution to control all your card accounts
6. Consumer is empowered to decide on the lock statuses
http://www.lockbymobile.com/

Talk2

Talk2 is a communication app that allows you to own a Philippine mobile

number for FREE so that your friends and family can call and SMS you at
local rates, anytime, anywhere.
To start using Talk2, the user will sync his smartphones address book to
display and connect with all his contacts in-app, or share his Talk2 number
(found on your Talk2 Home screen) with anyone to communicate with them
whether theyre online or not.

TWO WAYS TO USE TALK2

1. OFFLINE
No wifi required. Unlike other apps, user can reach his family back home via
their regular mobile numbers even without a broadband connection. Its a
convenience of app-to-phone / phone-to-app communication and affordability
of local call & text rates while abroad!
2. ONLINE
In-app messaging & calls are free, all with just a reliable broadband
connection!
Talk2 notifies the user immediately when the recipient is offline, and gives the
user
the
option
to
halt
the
call
or
text.
Pushing through means all your in-app calls and messages are redirected to
your recipients Philippine mobile number. All that is spent is SMS credits and
call minutes.
1. Enjoy unlimited chat between Talk2 users.
2. Send photos, voice and other media attachments to another user or
within a group chat.
Big Data CRM (Big Data
customer relationship
management)

Big data CRM (big data customer relationship management) refers to the
practice of integrating big data into a company's CRM processes with the
goals of improving customer service, calculating return on investment on
various initiatives and predicting clientele behavior. Companies struggle,
in general, to make sense of big data because of its sheer volume, the speed
in which it is collected and the great variety of content it encompasses. Tools
and procedures are evolving in order to help companies house and examine
these large amounts of data and help companies move toward making datadriven decisions.
Big data CRM's goal is to combine internal CRM data with customer
sentiment data that exists outside of the company's existing system,
such as on social media networks. By finding patterns and trends in this
data, sales opportunities and adjustments to product and service offerings
can be made to boost profits.
Combining big data with other CRM data can improve customer analysis and
lead to predictive modeling and other practices. Companies using big data in
conjunction with CRM aim to have systems that can process data in real time
and therefore connect with customers faster. Analytics is of paramount
concern to companies looking to achieve big data CRM. The other key
concern for companies is pulling together inbound and outbound interactions
with customers across all channels so that analytics can be applied.
Customer data silos and other inflexible architectures are factors in
companies' inability or unwillingness to adopt systems using advanced
algorithms or other machine-learning technology that can translate big data
into actionable business information.
While big data technology is cheaper thanks to open source tools, main

costs associated with big data CRM implementation have to do with hiring
the necessary labor needed to work with such a complex and evolving
category of systems. Big data CRM requires powerful data integration
capabilities as well as data quality and cleaning that needs to be addressed
before any value can be extracted from analysis.

Digital commerce is the buying and selling of goods and services using the Internet, mobile networks
and commerce infrastructure.