In 2025, Filipino consumers are expected to focus on practical, big-ticket purchases such as gadgets, home appliances, and furniture, driven by evolving lifestyles that prioritize convenience, functionality, and long-term value. Skyro, one of the fastest-growing financial technology companies in the Philippines, shares insights into these purchasing trends and how they are reshaping consumer behavior.
“These purchases showcase the growing demand for tools and essentials that improve daily living and work-life balance,” said Lowen Medina, Skyro’s head of POS business.
Seasonality and demand for essentials
Consumer spending patterns are strongly influenced by seasonal trends. For example, the summer heatwave of 2024 drove an unprecedented surge in air conditioner sales, while the back-to-school season in August and September consistently boosts demand for laptops and computers.
“Understanding these patterns allows Skyro to align our financial solutions with consumer needs,” explained Dmitriy Vavulidi, Skyro’s head of product. “This proactive approach ensures that we remain relevant to our customers, no matter the season.”
The top big-ticket purchases
Skyro’s data reveals that gadgets like smartphones, laptops, and tablets consistently dominate Filipino shopping lists. Essential home appliances such as refrigerators, air conditioners, and smart TVs are also highly sought after, alongside ergonomic furniture for work-from-home setups.
From 2023 to mid-2024, mobile phones led both online and offline sales, experiencing a 12% growth. This reflects the increasing need for better connectivity, with Filipinos spending an average of 20% more on mobile devices compared to previous years.
The demand for air conditioners surged during the summer of 2024, driven by extreme heat, while back-to-school periods saw a spike in laptop and printer sales. These trends highlight Filipinos’ focus on purchases that cater to both immediate and long-term needs.
“Mindanao stands out with the best repayment behavior across the country,” Dmitriy noted. “The strong community values and conservative spending habits in this region make it a reliable market for our financing solutions.”
Consumer spending by age
Skyro’s analysis also identifies differences in spending habits across age groups:
- Young adults (20s to 44): This group is highly engaged in online shopping, favoring gadgets and functional furniture influenced by social media trends. Their use of digital wallets has surged, reflecting a preference for seamless, cashless transactions.
- Middle-aged adults (45 to 65): Practicality shapes their purchasing behavior, with a focus on durable appliances and household essentials. They often prefer in-store shopping for big-ticket items.
- Seniors (66+): Their purchases lean toward health-related products and essential appliances, with a growing openness to e-commerce for family-recommended items.
Skyro’s role in supporting big purchases
To empower consumers in acquiring these high-value items, Skyro offers innovative product loans that provide accessibility and flexibility. Features like 0% Interest Installments and the Flexi loan feature allow customers to tailor their payment schedules to their financial capacity.
“Our goal is to give customers the freedom to choose how and when they pay for their purchases,” Lowen shared. “Through the Flexi loan feature, they can manage their financial journey with ease, ensuring a stress-free experience.”
The flexibility of Skyro’s loans has made them especially popular among customers upgrading their appliances, investing in modern gadgets, or furnishing their homes without the financial strain of upfront payments.
Enhancing convenience through Skyro Pocket
As digital transactions become more popular, Skyro Pocket product has gained traction. With the rise of QRPh payments, Skyro Pocket makes everyday purchases more seamless while rewarding customers with 1% cashback.
“This feature not only simplifies the shopping experience but also encourages smarter financial decisions,” Dmitriy added.
Anticipating future trends
Skyro remains committed to staying ahead of ever-changing consumer behaviors. By leveraging advanced analytics and a deep understanding of market trends, the company ensures its financial solutions align with Filipinos’ evolving needs.
“Our ability to anticipate demand and deliver tailored products positions Skyro not just as a financial provider, but as a key enabler in helping Filipinos achieve their goals,” Dmitriy emphasized.
To make your dream purchases a reality, visit https://www.skyro.ph/ and follow its social media accounts, Facebook (https://www.facebook.com/skyro.philippines/), Instagram (https://www.instagram.com/skyro.ph/) and Tiktok (https://www.tiktok.com/discover/skyro).
