This document discusses opportunities in the Philippine retail market from a consumer perspective. It notes that the large Philippine population and segment of consumers with high disposable incomes and progressive culture means the domestic market could equal or surpass other Southeast Asian markets. However, most foreign franchise online marketing is not tailored to Asian consumer behaviors. Additionally, only 3% of Filipinos own credit cards, so alternative payment systems would need to cater to a wider audience beyond credit card users to fully tap the market opportunities.