There have been various reasons given for this difference, but the most plausible is that the large foreign-owned banks were under the watchful eye of experienced parent banks, and were therefore much less able to stray into some of the riskier propositions which tempted the government-owned institutions, especially in the years immediately after the banking sector was liberalised in the mid-eighties.
There are over 700 rural banks scattered all over the country but only about half have email facilities and about the same number have in-house developed systems. You may want to consider e-enabling the regional areas as there is already a heavy concentration of applications in the mega-metro manila area and other major cities.