Joseph Joel Bayaua is employed as a private driver by a family in Hong Kong. He has worked in the special administrative region for four years.
When Bayaua sends part of his earnings back to his family in Santiago, a city of 132,000 people in the Philippines’ northern Isabela province, he selects either a Western Union money transfer or an inter-bank transfer. He usually ends up choosing Western Union.
Bayaua explained: "Both methods of sending money […]
