• Category: FinTech / EdTech / Social Impact

• Timeline: February 2026

• Product Type: IOL Own Product

• Context: Financial literacy seminar for Filipino digital creators

• URL: moneyglow.app

The Problem

Over 165 young Filipino digital creators were participating in a national financial literacy seminar. These creators earn income through TikTok, YouTube, Instagram, and brand partnerships, but most lack formal financial education.

Traditional financial literacy resources don't address the realities of creator income: irregular earnings from brand deals, affiliate commissions, and platform monetization that fluctuate month to month. Most existing budget apps are designed for salaried employees with predictable paychecks, not gig economy workers managing income across multiple platforms and payment methods like GCash, Maya, and bank transfers.

The organizers needed a companion tool for a financial literacy seminar that would be practical, engaging, and culturally relevant.

Our Solution

IOL designed and deployed MoneyGlow (moneyglow.app) for Filipino digital creators, featuring a bilingual AI money coach that communicates in Taglish (Filipino-English mix), financial calculators contextualized for Philippine amounts and platforms, and a money personality system that generates personalized 30-day financial challenges.

IOL CEO Kevin Gayao delivered the keynote financial literacy presentation at the seminar, with MoneyGlow as the live companion tool. Attendees could immediately apply what they learned using their phones during and after the talk.

Tech Stack

Key Features

• AI Money Coach: Bilingual (Taglish) AI assistant that understands Filipino financial context — GCash, Maya, BIR tax obligations, Pag-IBIG MP2 investments, SSS contributions — and provides personalized financial guidance.

• 50/30/20 Budget Calculator: Interactive budgeting tool using the popular needs/wants/savings framework, adapted for creator income patterns with Philippine peso amounts.

• Compound Interest Calculator: Visual demonstration of how early investing grows wealth over time, using Filipino-relevant starting amounts and investment vehicles.

• Money Personality Quiz: Four personality types (YOLO/CHILL/PLAN/MASTER) with AI-generated 30-day financial challenges tailored to each type — turning financial literacy into a game.

• Creator Income Tracker: Organize income by platform (TikTok, YouTube, Instagram) and type (brand deals, affiliate, platform revenue, tips) for clarity on where money comes from.

Results & Impact

Deployed to over 165 participants at the seminar in February 2026.

Key Takeaways

1. Purpose-built tools tied to a live event or program have higher adoption than generic alternatives.

2. Culturally contextualized AI (Taglish support, Philippine financial products) performs better than generic English-only tools for this audience.

3. Building companion apps for live events creates a natural distribution channel — 277 users on day one without any marketing spend.

FAQ

Q: What makes MoneyGlow different from other budgeting apps?

A: MoneyGlow is specifically designed for Filipino digital creators. It uses Taglish (Filipino-English mix), references Philippine financial products like GCash and Maya, and uses Philippine peso amounts. Generic budgeting apps built for US or global markets miss this context entirely.

Q: What makes MoneyGlow different from other budget apps?

A: MoneyGlow is specifically designed for Filipino digital creators with irregular income. It features a Taglish AI coach, supports Philippine financial platforms (GCash, Maya), and includes creator-specific income tracking by platform and deal type.

Q: Is MoneyGlow still available?

A: Yes, MoneyGlow is live at moneyglow.app and continues to serve users beyond the initial seminar event.

Q: Can IOL build custom apps for events or programs?

A: Yes. IOL builds purpose-built applications for specific events, training programs, or campaigns with tailored content and branding.