Rizal Commercial Banking Corporation (RCBC) offers a online walkthrough of its virtual banking super app platform Diskartech.
DiskarTech is the country’s first all-in-one “Taglish” inclusion app developed by the said bank. It offers online banking services like deposits, lending, withdrawals and insurance. This super app also offers TeleMedicine, bills payment (government and private), e-load, and fund transfer.
RCBC’s new app aims to cater to the unbanked and underserved Filipinos, especially those living in grassroots communities, and bring them into the formal financial system. The app will serve as a reliable and convenient platform for multiple useful features including sachet banking products, digital banking services, and even quick healthcare solutions.
What can users benefit from Diskartech?
- High interest rate – Users can enjoy a 3.25% interest per annum on savings
- #BuhayGinhawa – a goal-oriented digital savings tracker where users can choose to set their financial goals. The app will then help plan and determine how much they need to save per month to meet their targets.
- Telemedicine – With partner digital clinic iDoc Diskartech offers affordable healthcare package with a rate of P799.20 annually to support Filipinos who need to access immediate off-site medical consultation and assistance from doctors.
- Basic financial services – These include sending money to family and friends, online bills payments for utilities and government services, cash withdrawals from partner retailers and RCBC ATMs, purchase of airtime load and gaming e-pins, and fund transfers to over 30 banks and mobile wallets using InstaPay.
- Skills marketplace and microinsurance products – soon to be available in app
- DTI partnership – Through a partnership with the Department of Trade and Industry, 3 million sari-sari stores are now given capability to use Diskartech. Users can go to their neighborhood sari-sari stores and do the following: E-load (telco, electricity, e-games), Bills payment, Fund transfers, Insurance, Cash in, Loan repayment and Cash out.
- Member get member incentive program – Simply invite friends or family with your referral code to simply earn up to PHP30,000 per month. For every successful verified invite you will automatically get PHP30 and your new invite will get a PHP10 as well.
The app is free for download on the Google Play Store and App Store. Opening a DiskarTech digital savings account does not require an initial deposit amount or maintaining balance. Users can easily create their own basic deposit accounts in Diskartech through one-time registration via electronic know-your-customer (eKYC) process.
Since its launch, Diskartech has seen an influx of downloads and new registrants. As of August 7, the virtual bank has already reached 1,031,821 total users, with download rate as high as 1.3 downloads per second. It has even topped the list among the free finance apps in Google Play for Android users in its first month.
