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

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


Ms. Lailanie L. Moral

Corporate Treasurer

Atty. Anatalia F. Buenaventura

Corporate Secretary

Ms. Elma Valenzuela


Mr. Aristeo Dequito


Dr. Edzel A. Ramos


Ms. Marivic Austria


Mr. Arthur Bautista

Independent Member

Mr. Floro San Juan

Independent Member



Mr. Edgar V. Cauyan


Ms. Maria Encarnita Lopez

Vice President for Business Development

Ms. Leyne G. De Galicia

Vice President for Corporate Governance

Mr. Jigger M. Caneo

Chief Technology Officer (CTO)

Mr. Arman B. Penafiel Jr.

Assistant Vice President for Technical Services OIC

Mr. Alden P. Arban

Assistant Vice President for Information Security OIC

Mr. Aries Cyril N. Cahigas

Infrastructure and Architecture Dept. Head

Ms. Jinky R. Luya

Deputy Director for Finance

Mr. Darryl C. Dela Sala

Deputy Director for Compliance Officer OIC

Ms. Lyn J. Bautista

Deputy Director for Data Center Operations OIC

Mr. Ervin L. de Torres

Technical Services Department Head

Ms. Andrea P. Gumarin

Senior Risk Officer 

Ms. Camille Joyce D. Magno

Project Management Team Head OIC

Ms. Floribel A. Decena

Product Specialist Head

Mr. Christian D. Angulo

Application Analyst III

Mr. Ryan Bon A. Lacsam

Application Analyst III

Mr. John Paolo I. Aquilo

Information Security Officer

Organizational Structure