Top 5 Thesis Topics on Raising InstaPay Transaction Limits in the Philippines

Source: GMA News Online

Let me convince you to make this a thesis.

Imagine a small business owner rushing to pay a supplier. The invoice is ₱120,000, but InstaPay says no. She needs to split the payment into three separate transfers, wasting time and risking late fees. Multiply this by thousands of SMEs across the country, and you see the cracks in our digital payment system. While the world moves faster, the limit drags us back.

Here’s the real problem. Our real-time payment infrastructure is stuck in 2018. The ₱50,000 cap was designed to avoid AMLC scrutiny, but today it’s choking legitimate business transactions. Singapore, Malaysia, Thailand—they’ve moved ahead, giving people the freedom to pay more seamlessly. In the Philippines, we’re still debating. And every delay costs entrepreneurs time, money, and trust in the system.

Who Can Use These Topics

This research is ideal for students and professionals pursuing the following courses or strands:

College Programs:

• Financial Technology

• Business Administration

• Economics

• Information Systems

• Public Administration

Senior High School Strands:

• HUMSS

• STEM

• ABM

5 Thesis Topic Ideas

1.Impact of Increased Transaction Limits on the Adoption of Digital Payment Systems

Explores how raising the InstaPay cap could influence user trust, convenience, and adoption rates.

Target Respondents

• Small and medium enterprise owners

• Individual frequent InstaPay users

• Digital banking executives

2.Business Efficiency and Transaction Limits in Real-Time Payment Systems

Examines how SMEs’ operational efficiency is affected by current transfer ceilings in digital banking platforms.

Target Respondents

• SME owners and managers

• Payment system providers

• BSP policy analysts

3.Comparative Analysis of Real-Time Payment Limits in ASEAN and Their Economic Effects

Looks into how other countries’ higher transaction limits have impacted business activity and digital finance growth.

Target Respondents

• Financial regulators

• ASEAN banking experts

• Digital economy researchers

4.Consumer Perception of Security and Convenience in

High-Value Real-Time Payments

Assesses the demand and challenges for a higher InstaPay limit specifically for business-to-business transactions.

Target Respondents

• Regular digital banking users

• Financial cybersecurity specialists

• AMLC compliance officers

5.Readiness of Philippine SMEs for B2B Real-Time Payment Expansion

Examines how morning and afternoon shifts affect students’ energy levels, sleep patterns, and academic performance.

Target Respondents

• SME owners

• Corporate finance officers

• Payment gateway developers

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