Rizal Commercial Banking Corporation (RCBC) is focusing on making its digital loan products more accessible across the Filipino population. Moving beyond traditional banking, RCBC has expanded its digital presence through platforms like DiskarTech and ATM Go, achieving nationwide coverage, including rural areas.

The bank also launched RCBC Pulz, its mobile banking application, to provide digital banking access to Overseas Filipino Workers (OFWs) and Filipino migrants.

Lito Villanueva, Executive Vice President and Chief Innovations and Inclusion Officer at RCBC, commented on the broader role of banks in financial empowerment.

“Credit has always been part of Filipino life. But access to secure and formal loans remains a challenge. Through technology and digital access, RCBC is redefining what’s possible and helping turn every Filipino’s dream into reality,” Villanueva stated.

RCBC has developed a range of digital loan products designed to meet diverse needs, with a focus on accessibility, flexible terms, and a customer-centric approach.

For employed individuals, RCBC offers Salary Loan NOW, enabling payroll account holders to apply digitally and receive funds in real-time. These loans are tailored to salary and lifestyle, providing employees with financial flexibility.

Additionally, Payday NOW addresses the common pre-payday financial gap, allowing eligible borrowers to access up to 40% of their monthly salary through a fully digital application, with instant fund disbursement via the RCBC Pulz app. RCBC’s

Digital Personal Loan is another fully digital service offering quick applications, competitive interest rates, and fast disbursement, suitable for various personal needs for both local and overseas Filipinos.

Since embarking on its digital transformation in 2019, RCBC has aimed to be a leader in inclusive financial services.

Arniel Vincent Ong, President and CEO of RCBC Bankard Services Corp., noted the shift towards digital loans: “Digital services have ceased being luxuries, and have become needs. By digitising our loan application processes end-to-end, we expand loan access to a wider segment of the Philippine society while being aligned with the Philippine agenda on digitalisation and inclusion,”

Ong said. RCBC’s efforts align with the country’s broader digitalisation and inclusion goals.

Featured image by Rizal Commercial Banking Corporation (RCBC).