UnionDigital Bank (UD) reaffirms its commitment to empowering Filipino micro-entrepreneurs nationwide by championing the everyday diskarte that keeps local communities moving forward. Grounded in empathy, practicality, and a deep understanding of daily realities, UD’s initiatives continue to make financial inclusion more accessible and meaningful, especially for sari-sari store owners who remain at the heart of many Filipino neighborhoods.
This commitment is further strengthened through UD’s continued partnership with Hapinoy, one of the country’s largest sari-sari store empowerment networks. Together, UD and Hapinoy support sari-sari store owners as vital anchors of their communities—hardworking, digitally curious yet often cautious, and in need of simple, trustworthy tools that can help steady and improve their livelihoods. By recognizing their daily effort and quiet resilience, UD helps shift the mindset from “pwede na” to “kaya ko pa.”
UD responds to these needs by providing tangible, livelihood-boosting support, alongside a welcoming introduction to digital banking through the UD app. By meeting micro-entrepreneurs where they are and encouraging progress at their own pace, UD empowers them to take small but meaningful steps toward building healthier money habits and embracing their own digital diskarte. With their confidence switched on and hesitation switched off, UD helps entrepreneurs activate their Kaya Mo mindset, one everyday win at a time.
“We believe in empowering sari-sari store owners with meaningful, livelihood-boosting rewards that celebrate their effort, resilience, and daily diskarte,” says Danilo “Bong” Mojica II, PhD, President and Chief Executive Officer of UnionDigital Bank. “Our partnership with Hapinoy ensures that financial inclusion becomes real, reaching communities who benefit most from practical, empowering solutions.” He adds, “For many micro-entrepreneurs, progress begins with small wins. By supporting them step by step and meeting them where they are, we help reinforce the confidence that they can move forward in their own way.”
This commitment to customer support comes to life through initiatives like UD’s community rewards program, Hakot Papremyo with UD, which gives sari-sari store owners across the Philippines the chance to win a three-minute grocery shopping spree worth up to ₱50,000 during Hapinoy Caravans nationwide. For many winners, the prize provides immediate relief for household and business needs, while also offering firsthand experience with the ease and value of digital banking.
For Joveliza Arojado, a sari-sari store owner, this year’s Hakot Papremyo win was a timely boost for her business. “Napakalaking tulong kasi nadagdagan ang paninda namin nang hindi kami naglabas ng puhunan. Nagbigay ito ng advantage para mas kumita pa lalo ang aming tindahan. Nadagdagan pa ang aking savings dahil sa sales na galing sa napanalunan ko,” she shared.
Another winner, Marjorie Sandoval, shared how the experience inspired her to extend the support to her community. “Malaki ang itinulong ng Hakot Papremyo ng UD kasi halos ₱46,000 din ang total ng aking nahakot. Malaking tulong sa tindahan ko, at nakatulong din ako sa mga kapitbahay ko. Nag-share ako sa halos lahat ng bumili sa tindahan ko.”
For Marilyn Llanes, the program delivered both relief and renewed hope. “Sobrang laking tulong ng UD sa amin kaya nagpapasalamat talaga ako. Sobrang saya ko at nakapagbahagi rin ako ng blessings sa mga kapitbahay, kaibigan, at pamilya ko,” she said.
“These stories reflect why our partnership with UnionDigital Bank continues to grow,” said Mark Ruiz, founder of Hapinoy. “Hakot Papremyo goes beyond rewards. It builds confidence and provides sari-sari store owners with practical support that helps them strengthen their businesses and uplift their communities.”
By continuously engaging sari-sari store owners, understanding their needs, promoting financial literacy, and encouraging active app use, UD inspires micro-entrepreneurs to take small but meaningful steps forward, build everyday money habits, and strengthen their digital diskarte for sustainable growth.
As UD moves into 2026, it turns Kaya Mo Mode ON, reinforcing its commitment to empower the everyday Filipinos’ diskarte. Sari-sari store owners who are ready to experience the benefits of digital banking are encouraged to download the UD app and take part in upcoming Hakot Papremyo runs and other community-led initiatives, each designed to support their everyday diskarte and help them move forward with confidence.
Stay tuned for announcements on UD’s Facebook, Instagram, and TikTok pages for details on how to participate.
