Improving efficiency, expanding the reach and range of financial services, enhancing coop competitiveness and alignment with regulatory changes are among the aspirations of NATCCO in providing the KAYA Payment Platform services to the network.  In an increasingly digitized financial environment, co-ops cannot afford to be complacent or adopt a business-as-usual stance in delivering products and services to their members.

With the Kaya Payment Platform, co-op members are able to open online savings accounts that are accessible via three digital channels -- KAYA coop branches, mobile phones, and ATMs – and soon at POS terminals. Members can perform cashless transactions that are fast, reliable, and safe.

KAYA Payment Platform, which uses a cloud-based technology, is a partnership between the Association of Asian Confederation of Credit Unions (ACCU), Philippine Federation of Credit Cooperatives (PFCCO) and NATCCO Network.  Technology partners are Temenos and Software Group.

78 co-ops came on board Kaya in 2018 for a total of 97 co-ops with 192 branches providing digital transaction capability to their members.  The total KAYA accounts activated is 15,796. 

Ten (10) Kaya ATMs were installed for 2018,  or a total of 57 ATMs in 51 co-ops providing 24/7 service in their communities.  8,849 EMV-compliant ATM cards were issued to KAYA accountholders from different co-ops. 

For the Conditional Cash Transfer Program, NATCCO co-ops disbursed Php 6.903 Billion in cash benefits to 2,953,948 households in 523 municipalities.