Maya, a fintech ecosystem and digital bank, introduced a first-of-its-kind credit card security model that puts customers directly in control of protecting their accounts. The Maya Black credit card is numberless, its Card Verification Value (CVV) refreshes with every use inside the app and a built-in Security Center lets users freeze activity, set limits or block transactions instantly.
The move marks a new standard for customer protection in Philippine banking, where most institutions still rely on hotline-driven processes. By making security a visible feature, not just a back-office safeguard, Maya is giving Filipinos the confidence to use credit daily without fear.
“Security should not feel complicated—it should give peace of mind,” said Shailesh Baidwan, Maya Group President and Maya Bank Co-Founder. “We’re giving customers simple, powerful tools to protect themselves in real time. When people know they are in control, they are more confident to use credit and grow with it.”
The Maya Black credit card’s protections are reinforced by biometric logins, one-time passwords and AI-driven fraud monitoring capable of blocking suspicious activity instantly. Together, these features make Maya the first in the country to combine user-facing controls with enterprise-grade defenses in one integrated digital banking experience.
Maya’s strategy is grounded in the belief that trust can be designed. In a country where only 15% of Filipino adults owned at least one credit card as of 2024, according to TransUnion Philippines, fear of fraud has long been a barrier. By putting security directly in users’ hands—freezing, unfreezing and managing cards with a tap—Maya is opening the door for more first-time and hesitant customers to enter formal finance.
“This is the future of secure finance: visible, real-time and customer-driven,” Baidwan added. “By raising the bar for digital banking and credit cards in the Philippines, we are proving that world-class security and everyday usability can go hand in hand. That’s how we build lasting trust—and that’s how we grow financial inclusion.”
Maya’s security innovations are part of its broader vision of “elevated finance,” where every product—from payments and savings to credit—is designed with both protection and simplicity built in.
