CARD MRI Information Technology, Inc. had its humble beginnings as the IT Units of CARD, Inc. and CARD Bank, Inc. in a small room within the CARD Executive
Office Building. Having a handful of employees, it served the modest needs of these institutions and started a technology paradigm that conforms to the sophistication of the local microfinance environment.In early 2009, CARD Inc. and CARD Bank merged its IT Units to form a more capable support group. This helped shape the new IT Unit into a more dynamic and responsive “quasi-institution” that resulted to a smooth transition into an IT company. Information technology is one of the most dynamic, fastchanging, and aggressively competitive industries in the world, characterized by inexorable cycles of innovation.

For the ASEAN Economic Community, I.T. means connectivity, inclusiveness, and movement across boundaries. Where is CARD MRI Information Technology (CMIT) positioned amidst all these? Our institution is committed to a higher and more purposeful value that innovation can bring – poverty eradication. As we leverage on the latest technology, CMIT is creating the best for the least. BRINGING STRUCTURE TO LIFE This year was a pivotal one for the institution. First, we partnered with Fortress Data Services from Indonesia – a trustworthy and reliable shared services provider of world-class banking applications.

By using Temenos, a core banking software, we are closer to a robust core banking system that will allow us to manage our information and provide better services to our clientele. As we gear towards enterprise solutions, the core banking system will not only benefit the financial institutions but the rest of CARD MRI as well. For our Human Resources, we are developing a centralized human capital information system that enables us to have a singular view across CARD MRI from entry to retirement. This will allow us to have a good handle of our human and enterprise resources. For CARD MBA, we created the CARD MBA System (CMS) that has delivered measurable impacts for the institution’s membership, accounting system, and claims process.

CMIT aims to convey the same levels of efficiency and effectiveness to other institutions by bringing technological structures to life. As we consider the massive core banking implementation within the next year, the second pivotal point for CMIT in 2015 is the improvement of processes and organizational structure to operationalize the new systems that we have. This year was a “preparation and decision phase”. It was a time of great change that brought challenges in terms of decision-making and determining which opportunities would work for us. We are faced with the question: “How can we best operationalize these technologies in the CARD MRI scenario?” Our institution will answer this in 2016, as we switch on the implementation of the systems we have created. RE-IMAGINING PLATFORMS AND PROCESSES With a good and centralized core, we can reach out to more members and have more delivery channels. CMIT will delve into the mobile financing system (MFS).

Reference : CMIT Annual Report 2015

2005 2011
SMF System Human Resource Information Systems
The Predecessor to CARD System BDSFI Sales & Inventory System
BotiCARD Sales & Inventory System
2007 Daily Time Record
CMDI Billing System CMIT Billing System
Trip Scheduler
2010 (SEC)
CMIT was registered with the Philippine Securities
and Exchange Commission (SEC).
 eConcern  CARD SME Bank Loan Origination System
SMS Hub MBA Claims Subsystem (Phase 1)
 Field Monitoring System  Millennium Hub Switch Implementation
CeBanker  eCaMIA
CMIT Locker
Tracking System of Memo and Supplies 2013
Audit System Textblast
Asset Inventory System CARD Sulit Padala
Mobile Financial Services
2010 – 2011 Maagap Gift Card System
ATM Pilot MAHP Laboratory System
Data Mart iCAMP
Corporate Websites

Vision and Mission


A world-class IT company empowering CARD Mutually Reinforcing Institutions in improving lives of the socially & economically-challenged people through technology solutions


To continuously provide proactive technology innovations and services to the growing market demands while upholding CARD MRI core values & principles of competence, family spirit, integrity, simplicity, humility, excellence and stewardship

Our Team


Mr. Raul S. Dizon


Mr. Edgar V. Cauyan


Mr. Roderick G. Mercado

Member/Vice President

Ms. Lailanie L. Moral

Corporate Treasurer

Atty. Anatalia F. Buenaventura

Corporate Secretary

Mr. Julius Adrian R. Alip


Ms. May S. Dawat


Dr. Edzel A. Ramos


Ms. Jocelyn Dequito


Mr. Arthur Bautista

Independent Member

Mr. Floro San Juan

Independent Member



Mr. Edgar V. Cauyan


Ms. Leyne G. De Galicia

Vice President for Corporate Governanc

Ms. Maria Encarnita L. Lopez

Vice President for Technical Services

Mr. Jigger M. Caneo

Vice President for Business Development – OIC

Ms. Lailanie L. Moral

AVP for Admin and Finance – OIC

Ms. Jinky R. Luya

Deputy Director for Finance – OIC

Mr. Alden P. Arban

Deputy Director for Data Center Operations

Mr. Arman B. Peñafiel

Chief Information Security Officer – OIC

Mr. Alexzander Sanciangco

Development and Testing Head – OIC

Mr. Aries Cyril N. Cahigas

Infrastructure and Architecture Dept. Head – OIC

Ms. Vasilyn M. Colarina

Lead Project Manager – OIC

Mr. Ervin L. de Torres

Database Management Unit Head

Ms. Sheina M. Ocsit

Compliance Officer

Ms. Andrea P. Gumarin

Risk Officer Officer

Mr. John Paolo I. Aquilo

Information Security Officer


Organizational Structure