Empowering Finance for Everyone
IBS believe that managing money should be simple, transparent, and available to all. Whether you’re an individual looking for a safe place to save and send money, or a business needing a reliable system for sales, payroll, and accounting — IBS brings everything together in one secure platform.
Built on cloud technology with unmatched security, IBS ensures you have uninterrupted access to your finances anytime, anywhere, on any device. With our affordable rates, versatile tools, and user-first approach, we’re not just offering software — we’re building a smarter way to move, manage, and monitor money.
Our Story
IBS was born from a simple but powerful observation: too many people and businesses struggle with outdated, fragmented financial systems. For personal users, traditional banking can feel complicated, expensive, or even out of reach. For businesses, existing tools are often costly, disorganized, or unreliable — leading to inefficiency and missed opportunities.
IBS bridges this gap by providing a unified digital platform designed to serve both individuals and enterprises. By combining personal features like savings, quick payments, and transfers with business-grade tools such as POS, payroll, and accounting, IBS creates a balanced system where everyone has access to financial empowerment.
At its core, IBS is about digital inclusion. We aim to make essential financial services accessible to the unbanked, affordable for everyday users, and powerful enough for growing businesses. Our story is not just about building software — it’s about creating a safer, smarter, and more connected financial future for all.
Designed for Reliability & Security
IBS was built from the ground up to be safe, resilient, and user-friendly — free from the usual risks and downtime of third-party systems.
- Security of System – Exclusive IBS use, cloud-based, no external API syncs, minimal cyber threats.
- Security of Recording – Individual, organized, ranked, chronological records for unlimited review.
- Unrestricted Device Usability – Works on any device (PC or smartphone), not SIM-based.
- Unlimited Accessibility – Access anytime, anywhere with internet.
- Uninterrupted Operation – Independent from other systems’ downtimes.
Built Around You
Every IBS feature is designed with real people’s needs in mind — making finance safer, cheaper, and easier for everyone.
- Cheaper Fees – Free sends, only 0.002 fee on receive.
- Multi-Device Usability – Not SIM-based, works on PC or smartphone.
- Highly Accessible – Operate anytime, anywhere with internet.
- No Fake Accounts – One account per person, authenticated on setup.
- No Missent Transactions – Pinpoint interaction ensures no money is lost.
- No Account Lost – No SIM PUK or device-loss dependency.
- Versatile Menus – Covers diverse personal & business functions.
- Adaptable – Fast, multi-situational interactive capabilities.
- Offline Flexibility – One account online is enough to transact.
- Comprehensive Records – Transparent, ranked, and reviewable anytime.
For Personal Use
1. Inclusion to Digitalization for All
- Easy account setup with valid ID.
- Verified accounts—no bogus users.
- Simple menus for the less educated & elderly.
2. Quasi-Banking for the Unbanked & Low-Income
- Protects savings from theft/robbery.
- Virtual passbook like real banks.
- Encourages saving habits.
3. Reduced Crime
- Traceable digital transactions.
- Less theft, robbery, or lost money.
4. Boosting Remote & Rural Economies
- Secure large transactions in remote areas.
- Minimal fees keep trading smooth.
- Merchants thrive without crime risks.
5. Affordable, Ready System for Businesses
- IBS system is free to use.
- Adapts to any business type.
- Saves cost vs. building & maintaining system
6. Enabling Businesses with Smart Tools
- POS, payroll, collections, customer ranking, sales trends.
- Real-time data visibility for management.
- Increased accuracy, automation, theft prevention.
7. Improved Family Life
- Low fees make money transfers casual & safe.
- Encourages savings and responsible spending.
- Parents can monitor children’s use.
- Provincial families receive money safely.
8. Better Commerce & Market Experience
- Fast, traceable transactions for both merchants & buyers.
- Works even offline or with low-tech devices.
- Secure for carrying or transacting large amounts.
- Merchants gain real-time oversight.
9. Government & Institutional Benefits
- Central Bank: Supports cashless society, ensures transparency of deposits vs. digital money.
- Banks: Gain more deposits as unbanked shift savings into the system.
- AMLA & Regulators: Traceable, ranked accounts make it easier to spot laundering, tax evasion, and fraud.
- Government Agencies (BIR, NBI, SEC): Full visibility into transactions for compliance and crime prevention.