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MegaLink (also spelled as Megalink) is a Philippine-based developer of mobile and banking software as well as a service provider for banks, specifically for Automatic Teller Machine (ATM) networks and point of sale systems for banks. It was established in 1989; it was later repurposed in 2015.
Expressnet is the primary network of the following banks listed below: Banco de Oro (formerly a member of MegaLink, now BancNet) - April 1995; Bank of the Philippine Islands and subsidiaries BPI Direct Savings Bank and BPI Family Savings Bank (also a member of BancNet) - February 14, 1986
ENS is a member of MegaLink, which is interconnected with the other Philippine interbank networks, i.e. BancNet and Expressnet. ENS was expected to provide a low-cost solution for banks and cooperatives who wish to implement ATM services compliant with global standards but cannot afford the costs [1] of connecting to the three main networks.
BancNet was founded on July 17, 1990, as the Philippines' second ATM consortium when the ATMs of eight banks, PCI Bank (later Equitable PCI Bank, now Banco de Oro), Security Bank, Chinabank, RCBC, Allied Bank (now part of PNB), Metrobank, International Exchange Bank (now part of UnionBank) and CityTrust Banking Corp. (now part of BPI) formed BancNet.
Nationlink's members consist mostly of savings banks, credit unions, rural banks, cooperatives and non-governmental organizations, and is concentrated in rural areas, where ATMs are more limited. The network focuses heavily on the overseas Filipino worker (OFW) market, since many OFWs and their dependents hail from the provinces.
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BancNet signed a Memorandum of Agreement with both Banco de Oro (a member bank of both Expressnet and Megalink) and Bank of the Philippine Islands (operator of Expressnet) for terminal sharing in 2009. However, internal settlement arrangements within each consortium are followed despite the terminal arrangements; e.g., BancNet POS transactions ...