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The NRPS Framework defines high-level policies, standards and governance principles covering retail payment operations and infrastructures. It aims to fast-track the establishment of an effective electronic retail payment system, promote a “cash-lite” economy and ultimately improve the country’s economic competitiveness. Digitizing retail payments is critical in the Philippines considering that 99% of payment transactions per month are done in cash, with businesses and individuals making only 1% and 0.3% electronic payments, respectively, according to a study done by the Better Than Cash Alliance. E-commerce in the Philippines also makes up less than 1% of total commerce, a very low level compared to other ASEAN countries like Thailand, Vietnam and Indonesia which generate 4-5% e-commerce transactions. The NRPS is positioned to facilitate the country’s transition from a cash-heavy to a cash-lite economy, eventually bringing material benefits for the government, the business and private sectors, even regular consumers and individuals – in terms of speed and efficiency of transactions, reduced costs, improved transparency, enhanced security, and expanded access to financial services.