The Filipino Online Shoppers Pain Points

Pretty sure you had one of those days where you don’t feel much of yourself, like quite not a good day then you resorted to having a retail therapy. I felt that too and that was totally acceptable. For all we know shopping – may it be in physical or online, brings us a sense of achievement and lowers the level of our stress. That is what researches have proved and shown, so if someone asks why you do you tend to shop when you’re not feeling okay, let them know the benefits of shopping. 😊

In case you are wondering, what we will discuss for pain points here are not really something like areas on your back which are painful or in your head because of your headache. It actually refers to specific problems of customers experiencing when they shop for items.

But seriously, as customers, as much as it gives us pleasure, we do experience different problems whenever we shop on physical and even in online stores, though these problems are tolerable and could be addressed properly.

And speaking of shopping, nowadays, we rely very much on online shopping. Aside from it is convenient, it could give us wide variations to choose from aside from going to one physical store to another. Also, you can shop anytime you want thru online, no store hours and you have chances to get your items on discount or on cheaper price other than going to physical stores.

Though as mentioned, while online shopping gives online shoppers a good vibe, here are some of the pain points of Pinoy online shoppers are experiencing.

Too long to make a purchase

Let us admit it, online shopping feels so different from physical store especially with the ‘add to cart’ feature. This feature is like ‘reservation’, where we can still re-think if we will purchase the items we have placed here. Then after adding items to cart, we will proceed with the checkout process, now this is where the problem sometimes arises. There are online shops that have a lot of processes when paying or checking out the items you purchase. When the checkout process makes us feel like falling in line with a physical store, we tend not to continue with our purchase and left our items on the cart.

Information given isn’t enough

There are items we opted to buy as a result of scrolling up and down on the online shop. Sometimes we don’t realize we needed those items upon reading the information about it. However, another problem that we encounter when we buy online is there are items available but don’t have enough information about how to use them, its benefits, and the like.

Expectation vs. Reality

Have you tried ordering an item that looks really good on screen, and when your order came, you just did a facepalm? That is what expectation and reality feels. This is the most common problem of online shoppers. Sometimes it’s about the sizes and measurements of what you order doesn’t fit.

Packaging and delivery experience

There is nothing worse than receiving your purchased items in a bad shape. It is like your purchase was not valued. And also, the delivery experience is not good. For example, the courier delivered your items on the wrong address, or the delivery period wasn’t followed by the online shop.

Online shopping has its advantages and disadvantages. You just need to double-check the legitimacy of the online shop you want to make your purchase with. Home Credit guarantees a better shopping experience through its Marketplace where you can choose from a wide variety of items and have a comparison from other products. Check other deals and promos by downloading the My Home Credit App on Google Play Store or thru this link https://bit.ly/2X6k7kn.

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List of Banks

If you have an account from any of these banks, you can transfer your cash loan directly to your account.

Al-amanah Islamic

Investment Bank

Australia & New Zealand Bank

Banco De Oro Unibank, Inc.

Bangkok Bank Public Co., Ltd.

Bank of America, Nat’l. Ass’n.

Bank of China

Bank of Commerce

Bank of the Philippine Islands

BPI Family Savings Bank

China Bank Savings, Inc.

China Banking Corporation

CIMB Bank Phils., Inc.

Citibank, N. A.

CTBC Bank (Philippines) Corporation

DCPay Philippines (COINS.PH)

Deutsche Bank

Development Bank of the Philippines

Dungganon Bank, Inc.

East West Banking Corporation

Equicom Savings Bank, Inc.

First Consolidated Bank

HK and Shanghai Banking Corp.

Industrial Bank of Korea

ING Bank N.V.

JP Morgan Chase Bank

Keb Hana Bank

Land Bank of the Philippines

Maybank Philippines, Inc

Mega International Commercial Bank Co. Ltd

Metropolitan Bank and Trust Company

Mizuho Bank, Ltd.

MUFG Bank, Ltd

Philippine Bank of Communications

Philippine Business Bank, Inc.

Philippine National Bank

Philippine Savings Bank

Philippine Trust Company

Philippine Veterans Bank

Producers Savings Bank Corporation

Rizal Commercial Banking Corp.

Rizal Commercial Banking Corporation

Robinsons Bank Corporation

Security Bank Corporation

Shinhan Bank

Sterling Bank of Asia

Sumitomo Mitsui Banking Corp.

The Standard Chartered Bank

Union Bank of the Philippines

United Coconut Planters Bank

United Overseas Bank Phils.

Wealth Development Bank Corporation

Yuanta Savings Bank

Payment method: Security Bank Auto-Debit Arrangement (ADA)

You can simply pay your installments through Security Bank. Just enroll your Security Bank account in auto-debit arrangement which can be done anytime, anywhere. To proceed, just follow the following instructions:

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Payment method: RCBC Auto-Debit Arrangement (ADA)

You can simply pay your installments through RCBC. Just enroll your RCBC account in auto-debit arrangement which can be done anytime, anywhere. To proceed, just follow the following instructions:

Instructions:

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Payment method: Metrobank Auto-Debit Arrangement (ADA)

You can simply pay your installments through Metrobank. Just enroll your Metrobank account in auto-debit arrangement which can be done anytime, anywhere. To proceed, just follow the following instructions:

Click to download form Download Sample ADA Form

Payment method: BPI Auto-Debit Arrangement (ADA)

You can simply pay your installments through BPI. Just enroll your BPI account in auto-debit arrangement which can be done anytime, anywhere. To proceed, just follow the following instructions:

Click to download form Download Sample ADA Form

Payment method: Banco De Oro (BDO) Auto-Debit Arrangement (ADA)

You can simply pay your installments through BDO. Just enroll your BDO account in auto-debit arrangement which can be done anytime, anywhere. To proceed, just follow the following instructions:

Click to download form Download Sample ADA Form

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PHPS Home Shoppers – San Pablo
Philchar Homeplus Trading Corporation B1 – San Pablo City
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Alturas Supermarket Corp. – Alturas Mall
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Fisher Department Store – Fishermall
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M6 – Rosario
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588 Mall – Apalit
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Lee Super Plaza – Dumaguete
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SM Hypermarket – SM Mall of Asia
SM Hypermarket – SM Las Pinas
SM Hypermarket – SM Muntinlupa
SM Hypermarket – SM Sucat
SM Hypermarket – SM Bicutan
SM Hypermarket – SM Hypermarket Antipolo
SM Hypermarket – SM Hypermarket Daet
SM Hypermarket – SM Marilao
SM Hypermarket – SM Fairview
SM Hypermarket – SM Clark
SM Hypermarket – SM Valenzuela
SM Hypermarket – SM Taytay
SM Hypermarket – SM Molino
SM Hypermarket – SM Hypermarket Novaliches
SM Hypermarket – Cherry Foodarama Congressional
SM Hypermarket – SM Supercenter Pasig
SM Hypermarket – SM Hypermarket Monumento
SM Hypermarket – SM Rosales
SM Hypermarket – SM Hypermarket Jaro
SM Hypermarket – SM Hypermarket Cubao
SM Hypermarket – SM Market Mall Dasmarinas
SM Hypermarket – SM Hypermarket Cainta
SM Hypermarket – SM Hypermarket FTI Taguig
SM Hypermarket – SM Tuguegarao
SM Hypermarket – SM Hypermarket Rosario
SM Hypermarket – SM Hypermarket Lapu Lapu
SM Hypermarket – J Centre Mall Mandaue
SM Hypermarket – SM Hypermarket Handumanan
SM Hypermarket – SM Pulilan
SM Hypermarket – SM Hypermarket Mandaluyong
SM Hypermarket – SM Lemery
SM Hypermarket – SM Hypermarket Heroes Hall
SM Hypermarket – SM North EDSA
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SM Hypermarket – SM Hypermarket Mabalacat
SM Hypermarket – SM Hypermarket Sucat
SM Hypermarket – Sun Mall
SM Hypermarket – SM Baliwag
SM Hypermarket – SM Jazz
SM Hypermarket – SM Hypermarket Adriatico
SM Hypermarket – SM Hypermarket Eton Centris
SM Supermarket – SM Fairview
SM Supermarket – SM Lucena
SM Supermarket – SM Dasmarinas
SM Supermarket – SM Sta. Mesa
SM Supermarket – SM Manila
SM Supermarket – SM Rosario
SM Supermarket – SM Pampanga
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SM Supermarket – SM Sta. Rosa
SM Supermarket – SM Sangandaan
SM Supermarket – SM Novaliches
SM Supermarket – SM Bacoor
SM Supermarket – SM San Fernando
SM Supermarket – SM San Jose Del Monte
SM Supermarket – SM Cubao
SM Supermarket – SM Bacolod
SM Supermarket – SM Southmall
SM Supermarket – SM Cauayan
SM Supermarket – SM Cebu
SM Supermarket – SM North EDSA
SM Supermarket – SM Consolacion
SM Supermarket(Bldg B) – SM Megamall
SM Supermarket – SM CDO Downtown Premier
SM Supermarket – SM BF Paranaque
SM Supermarket – SM Cabanatuan
SM Supermarket – SM Seaside
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SM Supermarket – SM Trece Martires
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SM Supermarket – SM CDO
SM Supermarket – SM Lanang Premier
SM Supermarket – SM Davao
SM Supermarket – SM Puerto Princesa
SM Supermarket – SM Batangas
SM Supermarket – SM Lipa
Uno Factory Outlet – Waltermart Bicutan
If you have an account from any of these banks, you can transfer your cash loan directly to your account.
Al-amanah Islamic Investment Bank
Asia United Bank
Australia & New Zealand Bank
Banco De Oro Unibank, Inc.
Bangkok Bank Public Co., Ltd.
Bank of America, Nat’l. Ass’n.
Bank of China
Bank of Commerce
Bank of the Philippine Islands
China Bank Savings, Inc.
China Banking Corporation
Cimb Bank Phils., Inc.
Citibank, N. A.
Ctbc Bank (Philippines) Corp.
Dcpay Philippines (Coins.ph)
Deutsche Bank
Devt. Bank of the Philippines
Dungganon Bank, Inc.
East-west Banking Corporation
Equicom Savings Bank, Inc.
First Consolidated Bank
Hk and Shanghai Banking Corp.
Industrial Bank Of Korea
ING Bank N.v.
JPmorgan Chase Bank
Keb Hana Bank
Land Bank of The Philippines
Maybank Phils.,inc.
Mega Intl Comml Bank Co. Ltd
Metropolitan Bank And Trust Co
Mizuho Bank,ltd.
Mufg Bank, Ltd
Phil. Bank of Communications
Philippine Business Bank, Inc.
Philippine National Bank
Philippine Savings Bank
Philippine Trust Company
Philippine Veterans Bank
Producers Savings Bank Corporation
Rizal Commercial Banking Corp.
Robinsons Bank Corporation
Security Bank Corporation
Shinhan Bank
Sterling Bank of Asia
Sumitomo Mitsui Banking Corp.
The Standard Chartered Bank
Union Bank of the Philippines
United Coconut Planters Bank
United Overseas Bank Phils.
Wealth Development Bank, Corp.
Yuanta Savings Bank

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Tax Identification Number (TIN)
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Certificate of employment
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Payment method: RCBC Cash

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Payment method: RCBC Online

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