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The Bangko Sentral ng Pilipinas (BSP) recently issued a memorandum requiring all BSP-Supervised Financial Institutions (BSFIs) to make fund transfer via PESONet and/or InstaPay available through its e-channels (i.e. internet and mobile) by November 30, 2018. The implementation of PESONet and InstaPay under Memorandum No. M-2018-012,...