The Philippine Remittance Channels

What the remittance transmission channels look like and what they cost OFW families

The Channels

The Philippine remittance transmission channels -- the specific banks, the specific money transfer operators, the specific fintech platforms, and the specific informal hawala-type channels through which the 38 billion dollar annual OFW remittance flows from the specific destination countries to the specific Philippine recipient households -- are the accountability journalism of what the remittance infrastructure costs and what it produces.

The Cost

The specific cost: the specific transfer fee as a percentage of the specific remittance amount; and the specific exchange rate whose spread the specific channel captures from the specific transaction.

Manila News Coverage

Manila News PH covers remittance channels because the accountability journalism of the OFW economy requires examining the specific financial infrastructure whose cost determines what percentage of the OFW earnings actually reaches the specific Philippine household.

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