GoTyme Bank may slow the expansion of its lending business if borrower repayment trends begin to weaken, according to a report by Philstar Biz .
The digital bank is taking a cautious stance amid a more challenging macroeconomic environment, signaling that it will prioritize asset quality over aggressive growth. The move comes as other lenders also tighten credit standards in response to rising delinquencies and economic uncertainty.
GoTyme, which has been expanding its loan portfolio rapidly, aims to balance growth with risk management. The bank's proactive approach reflects a broader trend among Philippine digital banks to adjust strategies as consumer repayment capacity comes under pressure from inflation and higher interest rates.