Rochelle Rivera

Nessotech - an IT firm and systems solutions provider engaged in software development with a decade of experience - has been serving companies such as banks and non-bank remittance firms applying for their technical accreditation with the Philippine Social Security System (SSS), Philippine Health Insurance System (Philhealth) and the Home Mutual Development Fund of the Philippines (Pag-ibig Fund), to enable collection of contribution and loan payments of OFWs, self-employed and voluntary members.

Managed by a seasoned team from the financial and IT sectors, and headed by its President and CEO Ma. Jessica Palmiano, Nessotech has diversified with the recent establishment of Togetech whose mandate is the creation of mobie applications that directly serve the customers, which includes retail and peer-to-peer client.

Togetech envisions itself to be a provider of applications geared towards connectivity, financial inclusion, and convenience of customers. Togetech initially launched the Moneygment -app, which is a payments solutions mobile app providing remittance for government contributions and loans, as well as computation, filing and tax payments.

Mr. Jonathan Valeros – Business Development Head, Cash Management Services Division of China Banking Corp., Ms. Denize Palmiano – Business Development Head, Togetech Inc., Ms. Ma. Jessica Palmiano – Business Development Head, Togetech Inc., Mr. Domingo Dayro Jr. – Vice President and Head, Cash Management Services Division of China Banking Corp.

The founders of Moneygment understand the importance of these contributions, especially to the OFWs and their families that they have been serving for the past few years. This inspired them to work continuously in improving their systems in order to provide the most up-to-date services and reports to their customers. They are aware of the difficulties regarding delays in processing and unposted transactions causing benefits to be delayed as well. That is why they developed the Moneygment app that the customers can easily access through their mobile devices, and hence, they can immediately generate reports and get updates about their transactions.

Moneygment caters as well to the growing number of self-employed individuals, freelancers, homemakers paying for the mandatory contributions of their kasambahays or household help, and micro and small enterprises to make paying and filing taxes and government contributions easy and convenient.

Mr. Amroussi Rasul – Consultant, Bank of Commerce, Ms. Ma. Jessica Palmiano – Business Development Head, Togetech Inc., Mr. Ruby Soyosa – Senior Manager/Remittance Business Development Officer, International Operations Division of Bank of Commerce, Mr. Allan Cuisia – Department Head, Remittance Processing Department, International Operations Division of Bank of Commerce

Moneygment does not only focus on providing convenience for spending, but spending on things that will help ‘future-proof’ our customers. Future-proofing means being responsible citizens through filing and paying taxes, ensuring savings and insurance coverage through utilizing government initiatives provided by SSS, Philhealth and Pag-ibig. We are all focused on the now, yet we may lose sight of what we need to prepare for the future so we give you Moneygment to help you secure that future. The future does not only refer to when you are 60 years old and above. This is as simple as ensuring you have medical funds when you get sick, claiming for calamity loans when calamities happen, applying to own your home or looking for a funding source for your desired trip to another country. Future-proofing is also helping you achieve financial confidence by being able to provide financial tax returns even if you are operating a micro-enterprise enabling you to secure financial assistance in growing your business. -says Ma. Jessica Palmiano, President and CEO of Togetech

The Moneygment app is available for download on Android via the Play Store and soon on IOS. Through this mobile application, customers can enjoy the convenience of paying for their government contributions anytime from wherever they are. The customers can transfer payments through Moneygment accredited partners without the need for owning a bank account.

Togetech will continuously integrate with partner institutions such as insurance companies, micro-finance and government institutions, in order to provide customers with the convenience in paying for these types of contributions, and achieve real-time posting of payments. Reports are also made available in every step of the process.

Further, it will strive to provide for financial inclusion through its rewards system and information campaigns, making it easy for customers to know current updates by our partner agencies.

Togetech will also be launching other applications catering to this segment so as to achieve its goals in providing a facility for easy payment solutions for basic life requirements and to help “future-proof” the consumers that will further improve the standard of living of every Filipino, driving the society forward.

Time is flying by so fast. Sometimes, I feel like I’m missing a lot of my kids’ milestones and achievements because I have been so busy. This year, I’m going to make sure I make the most of my time with my family more this year. We have a lot of plans and they can be summed up to these 9 Family Resolutions for 2018.

1. Start a weekly ritual.

It could be a weekend picnic or attending Sunday service. A movie night every Friday or simply having breakfast and dinner together would be great, too. Yes, we have already been doing this since I don’t know when - that’s one thing. Doing it with consistency would be another.

2. Practice hello’s and goodbye’s

Due to stress or busy times, there are instances when we forget to check on how everyone’s doing. Please, don’t let a day pass by, no matter how hectic your schedule is, without saying “hello” or “goodbye”. Smile a lot. Kiss and hug your children and spouse. Make it a habit, and you’ll have the best days. We will work on this moving forward.

3. Put down devices.

In the family, kids and adults alike need to learn to control the use of gadgets, especially when at home. Spending more time together means being there physically, mentally and emotionally. We plan to put our devices down and create more memories doing fruitful and enjoyable activities.

4. Go on vacation.

We had a few trips together last year – domestic and international, although I traveled alone more than with the entire Ohana. This year, we intend to plan early and save more for our vacation. In fact, we are already planning to go to Bohol and travel more as a family out of the country. I’m already excited!

5. Read together.

When my kids were still little, we always had time reading stories every night. I used to really find time to read to them, especially when they were just starting in school. Later on, I let them do the reading since they already know how to. The past years taught me not to let this kinds of moments go because, sooner, they’ll be demanding for privacy, and they will have activities of their own. Not that they will drift apart as they grow old, but reality teaches us that we only have limited time to spend with them while they’re young. So, this has to be part of my bucket list gain.

6. Do chores.

I want to be more hands-on in our home again and really be involved in household chores, and do it with the fambam. A lot of opportunities opened for me last year and there are quite some challenges, too. I’m soooo thankful. On top of that, I felt like I need to work on time management so as not to neglect my duties as mom and wife to my dearest family. So yeah, I’m planning to make more time in homemaking this 2018.

7. Learn how to save money.

Apart from saving for leisure (a.k.a. our trips this year) and spending on material things, I realized I have to learn to manage our finances more for the future. I have been checking on opportunities to engage in financial literacy programs. If you know someone or someplace, feel free to comment here or message me. We want to enrich my knowledge on how to better invest and save our money.

8. Celebrate milestones and achievements.

It means a lot to our kids that we’re always there for them, not only when they need help but also during times of triumph to celebrate with them. Aside from it boosts their confidence more, they will always treasure and use these moments as their strength as they grow up. I know because my family and friends have always been supportive of my milestones and achievements, too. This 2018, we will celebrate and savor every moment, high and low, as a family.

9. Exercise together.

To be physically fit is not just my goal, but the entire family’s aim this year and moving forward. We can play basketball, boxing, or simply conduct other forms of physical activity at home. We also plan to join in fun runs together.

Of course, I will continue to use Downy Antibac on our clothes to avoid bacteria build-up and malodor. Bacteria, which grow on clothes when we sweat, can cause a lot of diseases, so I want to make sure that we, especially my kids are protected. We wanted to make sure everyone is healthy and in shape to avoid getting sick and to not miss out important events.

How about you? Have you thought of your Family Resolutions for 2018 yet? So much is in store for us and nothing beats achieving your goals when you’re able to reach with your loved ones. Happy 2018! Cheers!