DAVOS, Switzerland, April 1, 2026 /PRNewswire/ — The Philippine Social Security System (SSS) has signed a memorandum of understanding (MOU) with Singapore-based fintech company Surfin Meta Digital Technology (Surfin), outlining areas of collaboration to modernize and digitally enable select SSS financial services programs. The MoU serves as a framework for cooperation, with both parties identifying opportunities to improve service delivery to members, retirees and their beneficiaries, while supporting financial inclusion and operational efficiency across the national pension and social insurance system.
The MoU was signed during the first-ever InvestPhilippines Business Pavilion, following a panel discussion on the potential of AI to strengthen public sector and pension fund service delivery. This was held during the World Economic Forum in Davos, Switzerland, January 19-23, 2026.
Under the MoU, SSS and Surfin will explore the potential integration of AI credit scoring, big data modeling and chatbot technology into their existing platforms, including loan administration, member servicing and back-end risk management processes. Focus areas may also include digital improvements to loan administration, workflow automation to improve operational efficiencies, and explainable and verifiable analytics to support monitoring and compliance.
As part of the exploratory collaboration, Surfin will make its proprietary risk management engines and analytics platforms available for evaluation, while both parties will jointly develop pilot programs and knowledge sharing initiatives within the local financial ecosystem. This commitment reflects Surfin’s growing presence in the Philippines and its experience in building digital financial applications for large institutions.
SSS is exploring the digital upgrade of certain financial services programs using artificial intelligence and data-driven tools, as part of a broader initiative to modernize its services.
Quote from Surfin
“The Philippines remains a strategically important market for Surfin, and the signing of this MOU is an important step toward advancing digital financial solutions for underserved communities in the country, including the Overseas Filipino Workers (OFW) community,” said Dr. Yanan Wu, Founder and CEO of Surfin.
“As a global fintech company committed to transparent and accessible digital financial services, this collaboration reflects our ongoing efforts to leverage artificial intelligence and data-driven technologies to support individuals and small businesses facing challenges within traditional financial infrastructure. This collaboration will allow us to explore how AI-powered financial technologies can support broader financial inclusion initiatives.
Quote from SSS
“The MoU marks a first step toward evaluating how AI, advanced data analytics, and conversational AI tools could support the financial services of the SSS, in line with the Philippines’ broader digital transformation agenda, in line with the directive of Department of Finance Secretary and Social Security Commission Chairman Frederick D. Go to maximize the use of technology to provide efficient and accessible services to SSS members. said Robert Joseph M. de Claro, President and CEO of SSS.
De Claro notes that artificial intelligence offers pension funds the ability to more efficiently manage large volumes of financial and participant data, support informed long-term decision-making and automate routine processes. “AI can help strengthen governance and enable personalized member services, from retirement planning tools to interactive digital assistants. We look forward to exploring Surfin’s risk management tools and pilot initiatives in support of the Philippines’ digital agenda, with the aim of providing faster and more inclusive services to Filipino workers.
About Surfin Meta Digital Technology
Surfin is a global fintech platform providing digital financial services to the unbanked and underbanked in emerging markets, including consumer loans, credit cards, payments and remittances, wealth management and Fintech as a Service.
Leveraging AI, big data analytics and proprietary risk management technologies, Surfin has developed a scalable cross-border platform designed to provide transparent and inclusive financial solutions.
For more information, please visit www.surfinglobal.com.
About SSS
The SSS is a state-run social insurance program that provides retirement, disability, maternity, health and other benefits to millions of Filipino workers and their families. SSS continues to pursue its digital modernization initiatives to improve service delivery and accessibility for members and beneficiaries in the Philippines and abroad.
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SOURCE Surfin Meta Digital Technology
