The Impact of Tablet Usage on CARD Bank's Productivity in Davao Region, Philippines

Abstract

This study examines the impact of tablet adoption on microfinance operations at CARD Bank in the Davao Region, Philippines. Data from 165 Account Officers' survey responses and secondary sources from 2018 to 2023 were analyzed using a quantitative descriptive research design. Findings indicate a substantial productivity improvement, with most Account Officers reporting enhanced efficiency post-tablet adoption. Tablets streamlined fieldwork, reducing time spent on tasks like center meetings and boosting transaction volume handling and accuracy. Challenges included technical issues and connectivity problems, yet the benefits—such as faster loan processing and improved customer service—outweighed these obstacles. Significant increases in loan disbursement and savings mobilization quantities were observed after tablet integration. Statistical analysis using paired t-tests revealed a significant difference in average loan outstanding per client, emphasizing the positive impact of tablets on microfinance productivity. These insights contribute to understanding the strategic value of tablets in enhancing operational efficiency, customer service, and overall competitiveness within the microfinance industry.