Digital Innovation RCBC Bankard's recent launch of Tap-to-Phone payment solution demonstrates their focus on mobile and cashless transaction technology, presenting opportunities to offer advanced fintech integrations and digital payment solutions.

Strategic Partnerships The company's collaborations with MoneyHero Group and AirAsia indicate openness to partnerships that expand product offerings and enhance customer benefits, suggesting potential for joint marketing, co-branded credit cards, or loyalty programs.

Market Expansion Participation as the sole banking partner for major events like the Cebu Travel Catalogue signifies their efforts to strengthen brand visibility and access niche markets, opening doors for targeted financial products tailored to travel and tourism sectors.

Product Diversification RCBC Credit's introduction of specialized credit cards such as the AirAsia Platinum Credit Card and vehicle loans like the Auto Loan FlexiLite indicates a diversified product portfolio that can be expanded further to include niche financial solutions.

Customer Engagement With a clear emphasis on driving financial inclusion and enhancing customer experience, there is a market opportunity to develop tailored lending options and digital tools that cater to micro, small, and medium enterprises leveraging their recent technological initiatives.