PBCOM (Philippine Bank of Communications) is a commercial bank that offers a broad suite of financial services for Deposits, Corporate, Commercial and Personal Loans, Cash Management Solutions, and Investments. Founded in 1939, PBCOM has its roots in Binondo, Manila, and now has almost one hundred branches located across Luzon, Visayas, and Mindanao.
PBCOM has recently taken a challenger bank approach to technology and software to digitize and streamline retail banking. Challenger banks use digital distribution channels, typically mobile, to offer competitive retail banking services that target underserved and unserved demographics. The approach uses an improved user experience, appealing to those who want to be able to bank from their phones instead of visiting a bank branch.