Ronaldo Recto is the President of Rural Bank San Antonio, a rural bank serving clients across Southern Tagalog. With a background in private lending and experience in the adoption of digital initiatives in lending operations, he has spent the last eight years dedicated to driving financial innovation and expanding access to banking services in the countryside. He currently sits on the Financial Cyber Resilience Governance Council of the Banko Sentral ng Pilipinas, representing the rural banking sector.