From left to right: Head of International Banking and Remittance Group and FSVP Muffet Flores-Caculitan; PNB President and CEO Edwin R. Bautista; PNB Chairman Edgar A. Cua; Digital Wallet Corporation Founder and CEO Eiji Miyakawa; Director, EVP and COO Alex Rapi Milan; and DWC GM for Business Development and Canada Business Leader Macrine Comendador.
DWC and PNB Forge Global Partnership to Revolutionize Fintech Services for Filipinos Worldwide
Pasay City, Philippines – Digital Wallet Corporation (Tokyo, Japan – CEO, Eiji Miyakawa), a leading international IT and fintech company and operator of Japan’s most popular mobile money transfer service, Smiles Mobile Remittance, has entered into a global strategic partnership with Philippine National Bank (Metro Manila, Philippines – CEO, Edwin R. Bautista), one of the largest and most trusted universal banks in the Philippines.
The signing ceremony took place at PNB’s headquarters in Manila on July 3, 2025, and was attended by key executives and representatives from both organizations, including PNB Chairman Edgar A. Cua; PNB President and CEO Edwin R. Bautista; Lead Independent Director Isabelita “Belitte” M. Papa; Head of International Banking and Remittance Group and FSVP Muffet Flores-Caculitan; Digital Wallet Corporation Founder and CEO Eiji Miyakawa; Director, EVP and COO Alex Rapi Milan; and GM for Business Development and Canada Business Leader Macrine Comendador.
This partnership marks a major step toward enhancing global fintech services for Filipinos and providing long-term support to overseas Filipino workers (OFWs) and their families. The collaboration will combine Digital Wallet’s advanced technology and customer-focused service design with PNB’s expansive network and deep understanding of the Filipino market. Together, the two institutions aim to provide more accessible, affordable, and reliable financial services for Filipinos around the world.
Eiji Miyakawa, CEO of Digital Wallet Corporation, commented:
“Philippine National Bank is an outstanding institution that has, for many years, been a cornerstone of the Philippine economy and a steadfast supporter of its people. By combining Digital Wallet’s advanced technology and our user-friendly service design and operations, we are poised to deliver a financial infrastructure that is more accessible, economical, and reliable than any other service available to Filipinos worldwide. Our entire team is passionately motivated by this shared vision, and we are fully committed to providing these services with unwavering dedication for many years to come.”
Alex Rapi Milan, Director, EVP and COO of Digital Wallet Corporation, said:
“I am so happy to be back. It is like coming in full circle. As a former PNB officer, reconnecting with my former colleagues here brings back precious memories.”
“When I joined Digital Wallet Group in 2016, being a former PNB executive was my main credential for being appointed to lead its fintech and remittance business. So I owe it to PNB — where I am now, and where Digital Wallet and Smiles Mobile Remittance are. Everything I know about banking and remittance, I learned here.”
“It is our honor to have a global strategic partnership and collaboration with PNB especially now that PNB has signalled its commitment to innovation, customer-centric banking, and long-term sustainable growth to further strengthen its position as one of the country’s premier banking institutions.”
“With PNB’s banking infrastructure and Digital Wallet’s Japanese technologies and digital capabilities, we can serve our global Filipinos and their families to achieve their dreams – EVERY STEP TOGETHER.”
More updates and service developments related to this partnership will be shared on our corporate homepage.
About Smiles Mobile Remittance:
Smiles Mobile Remittance is a state-of-the-art mobile remittance service, and the only one in Japan that offers a mobile app integrated with loyalty and referral programs. Users enjoy secure, fast, and cost-efficient money transfers made possible by advanced technology such as AI and facial recognition. Smiles began in 2017 and has grown rapidly due to its combination of mobile technology and outstanding customer service, achieving the No. 1 ranking for mobile remittances in Japan.
Service Information
App name: Smiles Mobile Remittance
・Google Play: https://play.google.com/store/apps/details?id=com.digitalwalletcorp.app.smiles
・App Store: https://itunes.apple.com/us/app/smiles-remit-pay/id1238568245?mt=8
About Digital Wallet Corporation:
Head Office: 3-6, Kioicho Park Bldg. 1F, Kioicho, Chiyoda-ku, Tokyo, Japan 102-0094
Representative: CEO Eiji Miyakawa
Remittance License: Kanto Financial Bureau No. 00044
Business: A digital wallet platform company offering e-wallet services, digital marketing, and fintech solutions based on AI. Provides B2B services such as digital value platforms, mobile application ASP, and development services for logistics, finance, and local service providers.
URL: https://digitalwallet.co.jp
About Philippine National Bank:
Head Office: PNB Financial Center, Pres. Diosdado Macapagal Blvd., Pasay City, Metro Manila, Philippines
Representative: CEO Edwin R. Bautista
Business: A leading universal bank in the Philippines offering comprehensive financial services including deposits, loans, remittances, trust banking, and foreign exchange. PNB has a vast domestic and global network and serves as a financial bridge for Filipinos worldwide.
URL: https://www.pnb.com.ph/
