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CHAMPINONG DIGITAL FINANCIAL INCLUSION: Executives of Bayad and RCBC on their partnership signing. Seen in the photo (from L-R) are Bayad Financial Institutions Account Manager Lulu Dela Cruz, Bayad President and CEO Lawrence Y. Ferrer,

San carlosNegros occidentalLulu dela cruzLawrencey ferrerMichaelchristopher cruzLito villanuevaBayad center incRizal commercial banking corporationBayad centerBayad presidentTech executive vice presidentChief innovationInclusion officer lito villanuevaStrategic businesses michaelchristopherEdtech appGeographically isolated