Business intelligence and research provider The Digital Banker recognizes RCBC (Rizal Commercial Banking Corporation) Bankard for “Best User Experience – Mobile Banking.”

The app continuously empowers RCBC Bankard credit cardholders in terms of managing their finances better through its bill payments and purchase conversion features. Using the RCBC Online Banking app, cardholders can automatically convert straight purchases that they charged to their RCBC Bankard Credit Card to up to 36 months installment.

Using the RCBC Online Banking app, cardholders will be able to charge their bills to their RCBC Bankard Credit Card, either through On-Demand (one-time payment) or Auto-Charge (recurring payments). Cardholders can simply click on the bills payment icon to make the payment.

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Both features of the mobile app were implemented swiftly as a response to the COVID-19 pandemic, which prompted governments to order lockdowns that prevented people from doing their banking transactions in person.

RCBC Bankard, in partnership with RCBC, was able to successfully launch the Fast Bills Pay and Purchase Conversion facilities on April 8, 2020, or less than a month from the time that the lockdown was declared.

RCBC mobile app transactions

“The swift implementation of credit card-related services in the RCBC Online Banking app ensured that the benefits were relevant for RCBC Bankard cardholders since it addressed the challenges and limitations brought about by the lockdown,” said Arniel Ong, president and CEO, RCBC Bankard.

According to RCBC, as of the end of 2020, 74% of transactions were done through the mobile banking app specific to purchase conversion, while 89% were being done through the app for bills payment.

To date, RCBC Bankard has built several digital platforms or self-service facilities for its cardholders including Digital Onboarding for online card application platform, Digital Cash Loan or its online cash loan platform for qualified cardholders, Customer Portal for the web-based facility for statement viewing, as well as a short message service (SMS) card activation which is a keyword-based, self-service card activation via SMS facility.