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Nessotech - an IT firm and systems solutions provider engaged in software
development with a decade of experience - has been serving companies such as banks
and non-bank remittance firms applying for their technical accreditation with the
Philippine Social Security System (SSS), Philippine Health Insurance System
(Philhealth) and the Home Mutual Development Fund of the Philippines (Pag-ibig Fund),
to enable collection of contribution and loan payments of OFWs, self-employed and
voluntary members.

Managed by a seasoned team from the financial and IT sectors, and headed by its
President and CEO Ma. Jessica Palmiano, Nessotech has diversified with the recent
establishment of Togetech whose mandate is the creation of mobile applications that
directly serve the customers, which includes retail and peer-to- peer client.

Togetech envisions itself to be a provider of applications geared towards connectivity,
financial inclusion, and convenience of customers. Togetech initially launched the
Moneygment -app, which is a payments solutions mobile app providing remittance for
government contributions and loans, as well as computation, filing and tax payments.










The founders of Moneygment understand the importance of these contributions,
especially to the OFWs and their families that they have been serving for the past few
years. Thisinspired them to work continuously in improving their systems in order to
provide the most up-to- date services and reports to their customers. They are aware of
the difficulties regarding delays in processing and unposted transactions causing
benefits to be delayed as well. That is why they developed the Moneygment app that
the customers can easily access through their mobile devices, and hence, they can
immediately generate reports and get updates about their transactions.



Moneygment caters as well to the growing number of self-employed individuals,
freelancers, homemakers paying for the mandatory contributions of their kasambahays
or household help, and micro and small enterprises to make paying and filing taxes and
government contributions easy and convenient.


“Moneygment does not only focus on providing convenience for spending, but spending
on things that will help ‘future-proof’ our customers,” says Ma. Jessica Palmiano,
President and CEO of Togetech. “Future-proofing means being responsible citizens
through filing and paying taxes, ensuring savings and insurance coverage through
utilizing government initiatives provided by SSS, Philhealth and Pag-ibig. We are all
focused on the now, yet we may lose sight of what we need to prepare for the future so
we give you Moneygment to help you secure that future. The future does not only refer
to when you are 60 years old and above. This is as simple as ensuring you have
medical funds when you get sick, claiming for calamity loans when calamities happen,
applying to own your home or looking for a funding source for your desired trip to
another country. Future-proofing is also helping you achieve financial confidence by
being able to provide financial tax returns even if you are operating a micro-enterprise
enabling you to secure financial assistance in growing your business.”


The Moneygment app is available for download on Android via the Play Store and soon
on IOS. Through this mobile application, customers can enjoy the convenience of
paying for their government contributions anytime from wherever they are. The
customers can transfer payments through Moneygment accredited partners without the
need for owning a bank account.

Togetech will continuously integrate with partner institutions such as insurance
companies, micro-finance and government institutions, in order to provide customers
with the convenience in paying for these types of contributions, and achieve real-time
posting of payments. Reports are also made available in every step of the process.
Further, it will strive to provide for financial inclusion through its rewards system and
information campaigns, making it easy for customers to know current updates by our
partner agencies.


Togetech will also be launching other applications catering to this segment so as to
achieve its goals in providing a facility for easy payment solutions for basic life
requirements and to help “future-proof” the consumers that will further improve the
standard of living of every Filipino, driving the society forward.

 Mr. Amroussi Rasul – Consultant, Bank of CommerceMs. 
Ma. Jessica Palmiano – Business Development Head, Togetech Inc.
Mr. Ruby Soyosa – Senior Manager/Remittance Business Development Officer, International OperationsDivision of Bank of Commerce
Mr. Allan Cuisia – Department Head, Remittance Processing Department, International OperationsDivision of Bank of Commerce

Mr. Jonathan Valeros – Business Development Head, Cash Management Services Division of ChinaBanking Corp.
Ms. Denize Palmiano – Business Development Head, Togetech Inc.
Ms. Ma. Jessica Palmiano – Business Development Head, Togetech Inc.
Mr. Domingo Dayro Jr. – Vice President and Head, Cash Management Services Division of China BankingCorp.
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