JFINEX USJ-R Chapter

🎉 𝐁𝐈𝐆 𝐛𝐢𝐫𝐭𝐡𝐝𝐚𝐲 𝐬𝐡𝐨𝐮𝐭𝐨𝐮𝐭 to one incredible member of our JFINEX family: 𝑹𝒆𝒏𝒂 𝑨𝒃𝒊𝒈𝒂𝒊𝒍 𝑳𝒂𝒏𝒅𝒊𝒛𝒂! 🎉

We hope your day is as epic as you are, filled with good times and great company. Here's to another year of crushing goals and making awesome memories. Let the celebrations begin!

🎊🥳Wishing you both a truly memorable birthday and a year filled with success!🥳🎊

JFINEX loves ya!



GPX | Shane Necole Laparan
Caption | Kristine Mae A. Borres

𝘽𝙖𝙠𝙞𝙩 𝙬𝙖𝙡𝙖 𝙣𝙖 𝙖𝙠𝙤𝙣𝙜 𝙊𝙏𝙋?!" – 𝙃𝙪𝙬𝙖𝙜 𝙢𝙖𝙜𝙩𝙖𝙠𝙖 𝙠𝙪𝙣𝙜 𝙢𝙖𝙬𝙖𝙡𝙖 𝙣𝙖 𝙖𝙣𝙜 𝙩𝙚𝙭𝙩 𝙊𝙏𝙋 𝙢𝙤 𝙨𝙩𝙖𝙧𝙩𝙞𝙣𝙜 𝙅𝙪𝙣𝙚 30, 2026!

If you use GCash, Maya, BPI, BDO, or any other banking app in the Philippines, you need to know about a major security change happening very soon.
Starting June 30, 2026, banks and e-wallets will officially start phasing out text message (SMS) and email OTPs (One-Time Passwords) for high-risk transactions.

🚫 Why are SMS OTPs going away?

While typing in a 6-digit code from a text message used to be the standard, scammers have found too many ways to steal them. The digital fraud rate in the Philippines sits at 13.4% (nearly triple the global average), costing affected Filipinos an average of ₱44,700 per incident.

Scammers intercept your texts using:

🚨SIM Swap Fraud: Tricking telecom companies into transferring your phone number to a SIM card they own.

🚨Phishing & Smishing: Creating fake websites or sending fake links to trick you into typing or saying your code out loud.
Because text messages travel through regular cell networks outside the bank's control, they simply aren't safe enough anymore.

🔒 What will replace the OTP?

Instead of a text code, banks are moving toward device-bound, phishing-resistant security. This means authentication that is physically locked to your specific phone.
When you make a transaction, you will use:

✅Biometrics: Your fingerprint or Face ID.

✅ In-App Push Approvals: A secure notification that pops up inside your official banking app asking you to click "Approve."Because a hacker on another device cannot copy your face, fingerprint, or physical phone token, it becomes significantly harder for them to break into your account.

⚙️ When will you still see an OTP?

OTPs are not completely banned. The bank is still allowed to send you a text OTP for one specific reason: to verify that the mobile number you are registering actually belongs to you. Once your number is registered, you won't use texts to move money anymore.

What counts as a "High-Risk Transaction"?

You will be required to use Biometrics or In-App approvals for major actions, such as:

↪️ Logging into your account from a new phone or tablet.
↪️ Sending large amounts of money.
↪️ Adding a new receiver/payee to your list.
↪️ Changing your registered email or mobile number.

⏰ Is the deadline final?

Yes.The Bangko Sentral ng Pilipinas (BSP) has made it clear that there will be no extensions past the June 30, 2026 deadline. This rule is enforced under BSP Circular No. 1213, which serves as the implementation guideline for the Anti-Financial Account Scamming Act (AFASA). Banks that fail to upgrade their systems will be held liable for customer losses if fraud occurs.

📱 Three things you need to do right now:

1. Enable Biometrics: Open your e-wallets and banking apps. Go to settings and turn on Face ID or Fingerprint Login. If you usually hit "Skip," do not skip it anymore.

2. Update Your Apps: Go to the Google Play Store or Apple App Store and make sure all your financial apps are updated to the latest version. These security upgrades are rolled out through app updates.

3. Check Your Registered Number: Make sure the mobile number linked to your bank is active, correct, and currently in your possession.

🌐 Official Reference to verify this mandate and read the formal guidelines issued by the central bank, you can reference the official documentation directly from the BSP:


📄Bangko Sentral ng Pilipinas Circulars: You can look up the official text of Circular No. 1213 (Series of 2025) regarding the implementing rules and regulations of the Anti-Financial Account Scamming Act (AFASA) via the BSP Circulars Directory.


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💙 𝐒𝐄𝐑𝐕𝐈𝐍𝐆 𝐖𝐈𝐓𝐇 𝐏𝐔𝐑𝐏𝐎𝐒𝐄 💙

On May 28, 2026, the Junior Financial Executives (JFINEX), in collaboration with Lamesa ni San Jose, successfully conducted a feeding program for the children of Carbon.

This outreach activity reflects JFINEX's commitment to serving the community beyond academics and leadership. We extend our sincere gratitude to all volunteers and supporters who helped make this program possible. Together, we continue to make a difference through compassion, service, and unity. ✨







Photos | JFINEX Officers
GPX | Angel John P. Albior & Kristine Mae A Borres
Caption | Kristine Mae A. Borres

🎖️𝐑𝐄𝐂𝐎𝐆𝐍𝐈𝐓𝐈𝐎𝐍 𝐑𝐈𝐓𝐄𝐒 𝟐𝟎𝟐𝟔: 𝐇𝐎𝐍𝐎𝐑𝐈𝐍𝐆 𝐎𝐔𝐑 𝐒𝐓𝐔𝐃𝐄𝐍𝐓 𝐋𝐄𝐀𝐃𝐄𝐑𝐒 🎖️

Leadership is more than holding a position—it is about serving with dedication, leading with integrity, and creating a positive impact within the community.

Today, we recognize the student officers who have faithfully fulfilled their responsibilities and demonstrated exemplary leadership throughout the Academic Year 2025–2026. Through their commitment, initiative, and service, they have contributed significantly to the growth and success of their respective organizations and the university community.

Their efforts behind every project, activity, and accomplishment have helped shape meaningful experiences for their fellow students and exemplify the true spirit of servant leadership.

Congratulations to all our JFINEX Officer! Your dedication and service have left a lasting impact, and your leadership continues to inspire others. 💛🎓








GPX | Angel John P. Albior
Caption | Kristine Mae A. Borres