Salmon Bank unveils tech-powered platform to link banking with creator economy

Salmon Bank (Rural Bank) — a shift powered by modern cloud infrastructure and app-based services aimed at simplifying access to credit and banking.

 Fintech company Salmon Bank underscored its push for tech-driven financial inclusion during its first Salmon Press Day held on October 29, highlighting how digital tools are redefining its banking operations and outreach to creators.

At the event, the company detailed its transformation from the Rural Bank of Sta. Rosa into Salmon Bank (Rural Bank) — a shift powered by modern cloud infrastructure and app-based services aimed at simplifying access to credit and banking for Filipinos.

Salmon Group co-founder Pavel Fedorov (left) with Salmon Bank chairman Raffy Montemayor

Salmon Bank chairman Raffy Montemayor said the company’s use of data-driven credit assessment and mobile-first interfaces has helped it scale rapidly, noting a nearly threefold increase in deposits and a 40-percent jump in loan issuances quarter-on-quarter.

The bank also maintains a capital adequacy ratio three times above Bangko Sentral ng Pilipinas requirements, reflecting strong digital governance and risk controls.

The centerpiece of Salmon’s new technology rollout is the Salmon Affiliate Platform, described as the first proprietary digital affiliate system among local consumer finance firms.

It enables influencers and content creators to generate referral links, track applications through a real-time analytics dashboard, and receive automated monthly payouts for approved credit lines — blending fintech innovation with the country’s growing creator economy.

Its flagship product, the Salmon Credit Line, offers a fully digital onboarding process, virtual card access, and AI-supported credit scoring to approve credit limits up to ₱100,000.

The service features a 62-day grace period with zero interest, reflecting the company’s goal to combine flexibility with responsible lending through technology.

Salmon Group co-founder Pavel Fedorov said the platform embodies how technology can expand both economic participation and opportunity.

“We’re creating new income streams for creators while giving more Filipinos access to smarter financial tools — all built on an ecosystem designed for transparency and digital empowerment.”