Making financial inclusion real

More than 37 million Filipino adults remain unbanked today. That's not just a statistic—it's a glimpse into the daily struggles of millions: an OFW who sends hard-earned money home each month, hoping every peso goes where it's needed most; a TNVS driver who dreams of owning his own vehicle but must prioritize rent, tuition, and groceries; a sari-sari store owner who wants to expand her business but can't get a loan because she has no collateral or credit history.

- Danilo Mojica II

At UnionDigital Bank (UD), these aren't case studies—they're the people we're here to serve. This is the driving force behind Kaya Mo, our renewed commitment to making financial inclusion not just accessible, but meaningful. We believe that banking should empower people to believe not only in digital tools, but in their own capacity to grow and thrive.

Kaya Mo is more than a tagline or a brand refresh. It is a movement to shift how we think about inclusion—not as a subsidy and not merely as a growth strategy, but as the foundation of genuine, long-term progress. True inclusion begins not with products, but with people—with their daily decisions, trade-offs, and ambitions. It means seeing the mother managing inventory in her tindahan by instinct, the construction worker without a formal ID but with a relentless drive to save or the student juggling gigs to afford tuition, often without a single banking relationship.