Yet this new convenience also brought about apprehensions about the security of using these apps, for they involve the transfer of money.

For those in the know, there is a higher risk with app transactions that use text or SMS to send the one-time password (OTP). That's why, for tighter security, many transactions are now protected with an in-app OTP to ensure that said transactions originate only from legitimately logged-in users.

MCash transactions are protected with an in-app OTP, which ensures utmost safety in their use. And unlike many financial apps that have been rapidly developed to address the limitations of movement during the lockdown, the MCash app was launched as early as 2017 and has been used and tested for many years by its thousands of clients.

The MCash app was originally conceptualized to facilitate the financial inclusion of those who do not have access to banks and other financial institutions. But post-pandemic life has given it a new significance as it now allows automatic access to M Lhuillier's 3,000 physical branches at the convenience of one's home to send and receive money, buy eLoad, pay bills, and even shop online.

You can be sure that with the MCash app, your financial transactions and your hard-earned money are safe. Ang M Lhuillier, may MLsakit sa iyo noon pa man.

M Lhuillier is the Philippines’ largest and most respected non-bank financial institution. It continues to uphold its promise of being the Tulay ng PaMLyang Pilipino with more than 3,000 locations nationwide. It continuously seeks better and innovative ways to serve its community by providing fast, easy, and reliable financial services such as Kwarta Padala, Quick Cash Loan, Bills Payment, Insurance Plan, Money Exchange, Jewelry, MCash, ML Express, ML Moves, and Telco and online TV Loading. 

By JOEL C. MANGAHIS