CARD, Inc. goes digital with eSystem NextGen, enhancing client services

By: Jireh Pearl Casionan, Junior Writer

San Pablo. Laguna- In response to the growing need to improve the speed and efficiency of client transactions, CARD, Inc. (A Microfinance NGO) has transitioned to a centralized digital system to accelerate and streamline client transactions through eSystem NextGen and Alternative Delivery Channels.

CARD eSystem NextGen consolidates client information, savings, loans, and insurance records
into a single system. Transactions such as payments, client registration, and report generation
can now be processed in real time, enabling faster, more accurate operations.

The system connects area offices directly to a centralized platform integrated with the
computerized accounting system for financial and accounting reports. It is supported by CARD
MRI Information Technology, Inc. (CMIT), the organization’s technology provider.
CARD, Inc. Executive Director Vicente P. Briones Jr. shared that the initiative aims to improve
both efficiency and the client experience. “We want to prioritize the convenience of our clients by
assuring the efficiency of our operations, and one way to do this is by shortening loan
processing time and ensuring accurate transaction records,” he said.

The shift marks a move away from CARD, Inc.’s previous manual setup, where data was stored
separately across area offices, and reports were processed and not immediately available. It
sometimes led to limited integration and coordination. With the new system, processes are
automated, reducing errors and operational risks.

At the system’s core are alternative delivery channels that support the platform’s functions
across different users.

For operations staff, several mobile applications are in place to streamline field processes.

These include the NextGen Mobile App for real-time collection and attendance tracking,
GabayKONEK for end-to-end loan processing, and the Member’s Onboarding App for faster
and more efficient client registration.

For clients, the myCARD, Inc. app provides direct access to their accounts, allowing them to
check balances, track transactions, view loan details, and apply for loans at any time. The app
is available on the Google Play Store.

Meanwhile, for administrators and management, the Data Platform dashboard offers real-time
monitoring of operational and financial performance, allowing them to make data-driven
decisions.

CARD MRI Founder and Chair Emeritus Dr. Jaime Aristotle B. Alip sees this as part of CARD
Mutually Reinforcing Institutions’ effort toward financial inclusion. “We consider this new system
as an important step in going digital, while making financial services more accessible,” he said.
“NextGen eSystem is specially built for our clients.”

At present, the system has been fully implemented in areas under the Luzon and Visayas
cluster, with expansion to other regions underway.