UnionBank Vice Chairman Justo A. Ortiz and AboitizPower President and Chief Executive Officer Emmanuel V. Rubio explained how UnionBank and AboitizPower are addressing disruptions by harnessing digitalization as a tool to serve customers and adopting collaboration to achieve efficiency. "Governance is critical; we don't have a big carbon footprint although we could influence that. Where we can really make a difference particularly in a country like the Philippines is in 'S'... social by focusing on inclusive prosperity, which digital now makes possible," Ortiz noted, citing that about 70 percent of the people in the country, especially in rural areas are unbanked digitally. Ortiz said that, in the future, banking will be "invisible" or will be an automatic activity as access to technology and banking applications make "all branch banking activities possible at the palm of your hands anytime, anywhere." This idea, the UnionBank chief said, has graduated to a more disrupted prediction.