MANILA, Philippines – Rizal Commercial Banking Corporation (RCBC) has been recognized in a global financial health whitepaper released by Mastercard, highlighting the bank’s leadership in advancing digital inclusion and customer engagement.
The report, Pathways to Financial Health, analyzed consumer behavior, financial access, and usage patterns across multiple markets using pseudonymized transaction data, consumer insights, and financial health indicators.
RCBC stood out as the only bank in Asia featured in the global study, alongside Access Bank Plc, Banreservas, and Nubank.
At the center of RCBC’s inclusion strategy is its digital banking platform DiskarTech, which was cited as a case study for driving meaningful financial engagement. The report found that 61 percent of DiskarTech users progressed beyond basic banking within six months, fueled by gamified features and incentive-based design. It also noted that clients with both credit cards and digital accounts demonstrated higher bill payment activity, while referrals emerged as a key growth driver, with 38 percent of users opening accounts through peer recommendations.
Lito Villanueva, RCBC executive vice president and chief innovation and inclusion officer, said the findings reinforce the impact of purpose-driven digital innovation.
“This validates our approach of building solutions that go beyond access to drive real usage, financial capability, and long-term inclusion. The goal is not just to onboard, but to empower every Filipino to actively participate in the financial system,” Villanueva said.
RCBC president and CEO Reggie Cariaso emphasized that financial health is becoming a defining measure of banking success.
“Financial inclusion today is all about enabling better financial outcomes; not just access. We are committed to leveraging data, technology, and partnerships to build a more inclusive and resilient financial ecosystem where no Filipino is left behind,” he said.
RCBC continues to strengthen its position as a leader in inclusive digital finance, demonstrating how innovation, when anchored on trust and relevance, can drive both growth and meaningful impact.
