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A few years ago, leaving your wallet at home almost guaranteed that you could not buy anything. Today, a phone may be enough. A student can buy lunch, a commuter can pay for a ride, and a customer can order something online with only a few taps. This has become increasingly common in the Philippines. E-wallets have changed the way people handle everyday transactions, making payments quicker and more convenient. However, as money slowly moves from physical bills to digital num