Dina de Leon and her frontline workers don surgical face masks as they service customers in their Smart Padala by PayMaya center in North Caloocan. Photo courtesy of Dina de Leon

NEAR the border separating Bulacan and North Caloocan in the northern part of Metro Manila stands the small school supplies store and Smart Padala by PayMaya center of Dina de Leon, a typical establishment in the municipality’s urban center.

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