Nobody will need an ATM card to become a user of the Pinoy Co-op app.
The point @Gameplanon is making is that those members of the MASS-SPECC co-ops who currently have an ATM card are the easy first targets for marketing as their contact details, email addreses etc, are known. They are the low hanging fruit and then the more-hard-to-reach targets without ATM cards can be next in line.
You are right, someone with an ATM card cannot be described as unbanked, but nobody has said everyone is unbanked or that only the unbanked can use the app.
If the currently-banked use the app one would hope that their banking experiene is enhanced. Then by word-of-mouth, hopefully, they would be vectors for spreading usage more widely.
PIL Price at posting:
1.7¢ Sentiment: None Disclosure: Held
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