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"Financial inclusion is a fundamental building block of inclusive growth and development," it added.

"Government services are to serve the public, and hence must be universally accessible. Current technologies have made it possible to have many things done online," Li said.

"For example, every customer receives a tailored coupon, based on his/her historic average spending in the store," he said. "By providing the most relevant discounts, it helps to draw more recurring customers and boost sales."

"For example, in 2016, the Philippines ranked 99th in the ease of doing business index (compiled) by the World Bank, but the government is bent on meeting its target to be within the top 20 by 2020," he said.

"Good communication is the first step for new business. The same goal and same value matter a lot," he said.