to increase the number of PhilHealth-covered admissions in private hospitals. We estimated the share of high-cost users …

demand. This study analysed over 2000 banking and/or neobanking users across 28 countries. A multinomial logit model was … effects were found. Higher-educated and single users are more likely to use neobanks, while self-employed and lower …-income users are less likely. Neobank users prioritize affordability, availability, and speed, while traditional bank users …

the purchase of additional buses. Our model considers users' costs in the provision of bus services and the lack of road …

to increase the number of PhilHealth-covered admissions in private hospitals. We estimated the share of high-cost users …