Maya x Pepsi Partnership Brings Digital Payments and Accessible Credit To Sari-Sari Stores

PHOTO Left to Right: Danny Kim , PCPPI Chief Strategy Officer; Elmer Yanga, PCPPI Chief Finance Officer; Phyo Phyu Noe , PCPPI President & CEO; Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder; Orlando B. Vea, Maya Group CEO and Founder and Maya Bank Co-Founder; Khurram Malik, Maya Group Chief Commercial Officer; and Angelo Madrid, Maya Bank President

• Digital Transformation: Maya and Pepsi-Cola modernize local retail.
• Efficient Payments: Cashless system, real-time transaction reconciliation.
• Accessible Financing: AI-powered credit, working capital loans.

A significant leap towards modernizing the Philippine retail landscape is underway, with Maya and Pepsi-Cola Products Philippines, Inc. (PCPPI) joining forces. This partnership aims to empower over 200,000 distributors and sari-sari stores nationwide with digital payment solutions and accessible credit.

This initiative seeks to streamline operations within PCPPI's distribution ecosystem, enabling business owners to efficiently manage payments, access vital capital, and enhance day-to-day operations through Maya's integrated digital banking and payments platform.

Streamlined Payments: Speed and Security

One of the core benefits of this collaboration is the implementation of Maya’s end-to-end cashless payment system. This system will facilitate faster collections for distributors and retailers, with real-time transaction reconciliation. By reducing reliance on cash, it also minimizes risks associated with cash handling, such as theft, collection delays, and reporting errors.

"This shift towards digital payments is about creating a more secure and efficient environment for our partners," notes a Maya representative involved in the project. "It's about empowering them with tools that simplify their financial transactions."

Accessible Credit: Fueling Growth

Recognizing the importance of working capital, Maya will leverage artificial intelligence (AI) to provide credit scoring and offer working capital loans. These loans will be directly linked to real-time sales and payment data, offering sari-sari store owners and distributors accessible financing options to fund inventory purchases and expand their businesses.

"Our goal is to provide our partners with the necessary financial tools to grow," stated Phyo Phyu Noe, President and CEO of Pepsi-Cola Products Philippines, Inc. "By integrating Maya's solutions into our Distributor Management System (DMS), we're creating a connected financial infrastructure that supports their growth."

Transforming the FMCG Sector: Digital Integration

This partnership reflects a broader trend within the fast-moving consumer goods (FMCG) sector, where embedded digital finance is becoming a key driver of efficiency and growth. By integrating Maya’s solutions into PCPPI’s DMS, the aim is to create a seamless financial ecosystem that supports everything from collections to inventory financing.

"We are proud to work with Pepsi-Cola Products Philippines, Inc. on a program that supports the essential role of distributors and sari-sari store owners in the local economy," said Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder. "By simplifying collections and improving access to financing through our digital banking platform, we’re helping them run their businesses more efficiently and grow with confidence in an increasingly digital world."

This collaboration between Maya and PCPPI serves as a model for how digital finance can foster inclusive growth and long-term resilience across the Philippine retail landscape. As more companies embrace embedded financial services, the potential for digital transformation at the grassroots level continues to expand.