The bank increases stability-safety for the Mobile Banking era, creating income.

Banks are accelerating the development of their mobile banking systems, focusing on stability and enhanced security to accommodate increasing usage and prepare for future expansion into a revenue-generating channel.

Continuing SCB Easy Help make money

Dr. Chalee Asawathiratham, Senior Executive Vice President and Chief Digital Banking Officer of Siam Commercial Bank (SCB), revealed that SCB currently has over 16 million users of its Mobile Banking (SCB Easy) app, processing 7,000 billion transactions annually and totaling 16 trillion baht per year. This means that 90% of the bank's customers now use mobile banking.

If we look back to the previous period, we will find that Mobile Banking of various banks 3-4 years ago would compete with each other based on the number of users. But now we are beginning to see an emphasis on stability. Because when the number of users increases, stability will be affected, such as at the end of the month.

The goal of Siam Commercial Bank in Mobile Banking is not about the number of customers. But the main focus is on stability and safety. By avoiding crashes as much as possible. At least it must be 99.9% as specified by the Bank of Thailand (BoT). And security matters must be developed to meet the criteria set by the BoT, such as facial scanning.

In addition, the bank is developing a system under the name "Easy Cloud Project" that will switch to the cloud for flexibility. Supports further business development Reduce bottleneck problems In the future, when it's on the cloud, it's like moving a house. SCB Easy will have more flexibility. Can support high volumes of transactions during certain periods. As for security, there will be improvements in helping detect suspicious transactions or AI Fraud Detection.

Dr. Charlie said The bank's main strategy is to move towards "Digital Bank with Human Touch" in 2025, where the bank must be good at Wealth, i.e. wealth management, and Omni Channel, i.e. there are many channels that must provide services seamlessly.

In addition, revenue from digital channels must increase to 25% of total revenue by 2025, which means Of new retail loans to be released by 2025, 90% must be digital using AI, including home loans, car loans, and business loans.

“SCB Easy was born with the goal of making money one day. Nowadays, it has reached a point where Mobile Banking must make money. The future of Mobile Banking must be about creating additional benefits for customers. Nowadays, it's like a store where customers come in. Complete the transfer and leave. Even though customers have the potential to expand into other transactions, such as buying insurance or investing in funds.”

In this regard, loan products include personal loans. Car loans and home loans will gradually be offered on digital channels. As for investments, insurance purchases There will come out as well. But the problem is how to make it a service that is as Digital Bank with Human Touch as possible, that is, it must be a service that, even if customers use digital channels, still feels that there is a human involved. and are confident that services through digital channels are no different from care provided by human RMs

This will include providing services through various channels as well, so that no matter which channel the customer changes to contact the bank, they will be able to connect to the same matter seamlessly as if every channel has the same brain.

“Being a Human Touch, banks must build trust. Find things that match the hearts of customers Especially when it comes to investing, it is a matter that requires high confidence. Nowadays, there may be recommendations for investing in digital, but how to recommend them correctly? The presentation is more personalized for each customer than before.”

As for the bank's target group after the restructuring of the organization, it will focus more on middle- to upper-income customers. In addition to providing services through SCB Easy, additional channels for the Wealth group may also be considered. We are studying whether new channels may be created, such as sub-applications to be inserted into SCB Easy or It might be a new app. There are many possibilities depending on suitability.

push K PLUS platformUse in everyday life

Dr. Pipatpong Posayanon, Managing Director of Kasikornbank, revealed that the bank plans to develop K PLUS into the primary platform for customers' daily spending. This isn't limited to just K PLUS usage; the bank aims to enhance K PLUS into a full-fledged Open Banking Platform, seamlessly connecting the bank's services with partner apps. This will allow customers to conveniently make payments across various apps using K PLUS.

In addition, K PLUS places importance on developing a stable system. In order to provide customers with a good experience in using services that are convenient, fast, and secure, information from the Bank of Thailand reports that K PLUS has the fewest disruptions compared to the entire Mobile Banking system and from a user experience survey. of the customer

NielsenIQ found that customers are satisfied with using K PLUS and have the highest referrals among Mobile Banking in Thailand, with the important factors being stability and speed of transactions.

“K PLUS has 20.6 million users, growing 16% from 2565, with customers who regularly use K PLUS (Active User) accounting for up to 80% of the total number of users. There are more than 2,000 billion financial transactions, growing 37% from 2565.”

K PLUS has developed features that meet the needs of financial transactions, spending, and lifestyles, allowing customers to use K PLUS in their daily life wherever they are. Any time you want Examples of features that customers regularly use include:

• Accumulated points K Point: K Point is a digital rewards program on K PLUS where customers can use K Points to exchange for products or services, such as scanning QR to pay to buy products. Used to pay water bills, electricity bills, telephone bills, and internet bills. Or use it to top up Easy Pass, etc. You can also use K Points to buy various discount coupon deals on the K+ market or transfer them to accumulated points of leading brands that partner with the bank, such as AIS Points and TruePoint, etc.
• การ ลงทุน : The bank wants to expand opportunities for Thai people to have more convenient access to investment. To create stability for life Customers can buy and sell mutual funds. and tax-deductible funds, both SSF and RMF, on K PLUS. There is also a Wealth PLUS feature to help with investment planning.
• Loan service : K PLUS is the main channel to help Thai people conveniently access capital sources in the system. Customers can easily apply for bank loans by themselves. Including express loans, Xpress Loan, express cash card, Xpress Cash, Kasikorn credit card And the buy now pay later K PAY LATER has the advantage of knowing the approval results quickly.
• international transactions : Currently, K PLUS can transfer money abroad in 14 currencies in 32 countries around the world. Money reaches the destination quickly in real time or as late as 3 business days. Recently, there are plans to add Myanmar as another destination country that K PLUS can transfer money to. In addition, K PLUS can also use QR UnionPay scanning to pay. abroad in more than 40 countries/regions around the world

However, the bank regularly updates the version of K PLUS to increase security in use. Most recently, it has raised the level of security for transactions via K PLUS, adding a new menu. can check or verify your identity with your face with the bank To conduct transactions on K PLUS, K PLUS customers must verify their identity by scanning their face in 3 types of transactions:

1. Transfer money from 50,000 baht or more per transaction
2. Transfer money when the total transfer amount is 200,000 baht per day.
3. Increase the daily transaction limit The bank is committed to maintaining K PLUS's number one leadership position continuously. Set a goal to have 24 million users by 2566 and have a 45% increase in the number of financial transactions from the previous year.

Dr. Pipatpong said The Bank has a strategy to increase the number of K PLUS users from new customer groups with potential such as the new generation (New Gen) and online business owners. Independent career group and small people who still do not have access to banking services (Unbanked) by using technology To enable more people to have access to the bank's products and services, such as improving the new account opening process, you can do it on K PLUS without having to go to a branch. and use only your ID card to verify your identity at the bank's ATM.

Bangkok launches 3 strategies “Friendly-accessible-understanding”

Ms. Prasanee Uiyamaphan, Senior Vice President of Bangkok Bank, revealed that the bank has defined its strategy for developing "Bangkok Bank Mobile Banking" in three dimensions: 1. To be a user-friendly platform that allows users to easily and quickly conduct various transactions; 2. To "reach" each target customer group with key features that allow customers to customize the usage to suit their own behavior;

and 3. “Truly understand” the behavior and needs of users. Technology will be used to help offer integrated financial products and services. and suits the needs of customers appropriately

Mrs. Prasani said that from the 3 strategies mentioned The bank has hastened to increase payment connectivity both within the country and abroad. including the development of financial products Continuously working with partners to create an ecosystem for customers to use Online Payment more conveniently and comprehensively, adding a Loyalty Program in the form of Gamification for customers to use continuously. and present rewards according to the customer's lifestyle

Including developing the capabilities of the application to allow customers to adjust the usage style to match each person's usage behavior. In addition, technology will be brought in to help learn and understand needs in order to bring Offer products and services exactly as desired.

“Bangkok Bank customers There are financial transactions through “Mobile banking from Bangkok Bank” continues to increase or equivalent to 85% compared to other channels of the bank.”

In 2565, there were more than 12 million users and transaction volume grew by 30% from the previous year. therefore reflects convenience and customer confidence very well. Recently, the bank has adjusted the design, performance and various functions of "Mobile Banking from Bangkok Bank" to make it more convenient and secure for customers to use than before. Responding to all dimensions of usage with understanding as you wish, which is part of this year's strategic plan to gradually open the service through new features. continuously”

Mrs. Prasanee also said that The issue of security is another basic matter that the bank places great importance on and must operate under high security standards. Therefore, Bangkok Bank's mobile banking has been developed to make the system more secure.

For example, using Biometric Technology, namely Face Recognition, to prove and verify identity in various types of transactions. Using security tools to detect unusual usage or transaction behavior. To prevent and reduce risks that may arise from various online transactions. efficiently Including creating awareness (Awareness) with customers regularly. In terms of safe use

Currently, mobile banking from Bangkok Bank There are features that cover both domestic and international transactions. Including opening an online account and apply for various products/services of the bank in its entirety, such as opening a deposit account Foreign currency deposit accounts, mutual funds, government bonds Apply for Be1st card products, buy insurance, submit a home loan application service. and apply for automatic debit service, etc.

However, The bank will continue to develop its services to be better. and is always in line with the needs of customers, like a "friend" who wants to be by your side in all financial matters Allowing customers to conduct financial transactions in the digital age Safely, confidently and without worry.

Krungthai sent Krungthai NEXT Access to every lifestyle

According to a press release from Krungthai Bank , the bank is committed to leveraging technology and innovation to develop financial services that meet the needs of all customer segments and cover all financial transactions. In particular, the services offered through the Krungthai NEXT application, a platform that improves and enhances the daily lives of customers, has resulted in continuous user growth.

Currently, there are more than 17 million users, accounting for 72% of the total number of bank customers. Most of them are continuously used (Active User), accounting for 75% and have an average of 530 million uses per month. In 2566, the goal is to increase to 20 million users or more. It is expected that There are approximately 80% Active Users and an average of 25 uses per person per month.

The bank has developed Krungthai NEXT to have a variety of features, including account opening services. Customers can open a NEXT Savings online savings account and receive a high interest rate of 1.5% per year. Open mutual fund and securities accounts easily in just a few steps. Credit services You can apply for a loan and submit documents to wait for approval through the app. In addition, you can buy insurance online to receive immediate coverage. Or applying for a credit card or travel card with quick results and waiting to receive the card at home.

by Krungthai NEXT Development Bank to increase efficiency to be more in line with the lifestyles of public customers. There are features that are currently under development as follows:

• By Lifestyle Insurance Design insurance that better meets the lifestyle needs of customers. At an affordable price, easy to access, such as travel insurance both domestically and internationally. Phone screen insurance Cyber ​​insurance
• NEXT Invest Invest in all assets in one app, including mutual funds, Thai stocks, foreign stocks and bonds. Open an account, no documents required, with just 100 baht you can start investing.
• Financial management tools (Financial Management Tool) such as wealth pooling portfolio (Consolidated Wealth Portfolio) to allow customers to explore and know the status of all available wealth. To analyze your own financial health initially
• Instant branch transactions Make deposit-withdrawal transactions in advance before going to the branch. To make using services at the branch easy and faster than before
• Special privileges (Privileges) Customers who transact through the app You will receive benefits in various forms. Both discounts and prizes

The bank prioritizes developing and enhancing security for Krungthai NEXT users to prevent cyber threats, both in terms of prevention and correction, to build user confidence. The security measures for Krungthai NEXT are as follows:

1. There is a user notification system. When recording screen images or videos (Screen Recording) is detected and there is a program to detect controlling the user's mobile screen (Screen Sharing) to prevent remote access to the app.
2. Cancel sending SMS, E-mail, messages via Social Media with all link attachments.
3. There is an app detection system. Risky is an app that sucks money during online transactions.
4. Increase security by scanning your face When transferring money/top-up of 50,000 baht or more per time or have a transfer amount of every 200,000 baht in 1 day, including increasing the credit limit from 50,000 baht or more
5. Continuously upgrade the security system By recommending that users update the app. Always the latest version For safety in use
6. It is a channel for publicizing and providing preventive knowledge. To be aware of various forms of scammers continuously

BAAC aims to increase users in 66 A-Mobile Plus 3.5 million users

Mr. Chatchai Sirilai, Manager of the Bank for Agriculture and Agricultural Cooperatives (BAAC) , revealed that over the past five years, bank customers have increasingly used the bank's Mobile Banking service, A-Mobile Plus, for transactions. Data shows the number of customer accounts using the service has increased almost fivefold in five years, from 0.7 million accounts in 2018 to 4 million accounts at the end of the 2022 fiscal year.

Meanwhile, the volume of transactions via Mobile Banking increased 25 times from 2561 million transactions in fiscal year 11 to 284 million transactions at the end of fiscal year 2565. Transactions via Mobile Banking help customers conveniently, quickly and respond to customer behavior. in the digital age

“Mobile Banking of the BAAC or the A-Mobile Plus application currently has 4.3 million registered users. For the total usage from the fiscal year 2565, there were 2.7 million users. The Bank aims that in 2566 there will be 3.5 million Mobile Banking users.”

At present, the bank's Mobile Banking supports the following transactions:

1. Self-Registration (Self Service Registration) 2. Setting a new PIN code yourself (Self Service Reset PIN) 3. Opening an online savings account (Customers must have e-KYC) 4. Open an online savings lottery account. (Customers must have e-KYC) 5. Show savings/current account information, including account details. Bank statements for the past 3 months, request bank account movements (Statements), and manage bank accounts. (add/reduce/set main account, show/hide account number)
2. Funds transfer service includes transferring money between your own deposit accounts within the bank. Transfer money to other people within the bank Transfer money to other people from different banks Transfer money with PromptPay Group money transfers and money transfers with pre-scheduled transfers. 7. Top-up/bill payment services include mobile phone top-ups and e-Wallet payments for goods and services. Set items in advance 8. Scan to pay from the camera and photo gallery and 9. Create a QR Code with PromptPay to receive money. In 2566, the A-Mobile plus application

“In 2566, BAAC will open 2 additional services on A-Mobile Plus, namely dStatement service or service for requesting and receiving information on deposit account movements. in the form of interbank digital data and identity verification service with NDID”

As for security measures for using Mobile Banking, BAAC has implemented the measures of the Bank of Thailand (BoT), including:

1. Refrain from sending all types of links via SMS, e-mail, and refrain from sending links requesting important information such as username, password, and ID card number through Social Media.
2. There is a limit of 1 Mobile Banking account that can be used on 1 device only.
3. Identity is verified using Biometrics when opening an online account and changing the credit limit. and transfer money to another person's account from 50,000 baht/time and/or 200,000 baht/day
4. There is an urgent contact channel (Hotline) number 02-555-0555 press *3 24 hours a day, separate from normal service channels.

GH Bank rushes to add functions GHB ALL GEN Targeting over 1 million users in 66

According to a press release from the Government Housing Bank (GHB) , the bank has fully transitioned into a digital bank. This involves developing its information technology systems to align with changing customer behavior, particularly in supporting easier home ownership for the public. This aligns with its mission to help Thais own homes by creating a mobile banking application to accommodate the growing volume of financial transactions.

Therefore, in order to aim to be a Fully Digital Bank, the Bank has raised the level of digital services in the dimensions of 4 new cities, consisting of:

• Application : GHB ALL GEN Mobile Banking services that meet the needs of customers of every lifestyle, every generation, increasing the efficiency of customer service to be more efficient, convenient, fast, safe, and more relevant to the needs of bank customers. With various functions such as checking financial information Apply for a loan, pay off a loan, buy a savings lottery ticket. and pay for goods and services, etc.

Currently, there are more than 750,000 GH Bank customers using the service through the Mobile Application: GHB ALL GEN, which has received good response from customers because the Application: GHB ALL GEN is able to connect technology to participate in use. Better daily life of customers By collecting various transactions that used to be done over the counter into just one smartphone which allows customers to use it anywhere, anytime

• Application : GHB ALL BFRIEND An application that is like a friend who cares and is ready to be there for customers who have loan accounts with the Government Housing Bank in case they encounter problems in repaying home loan installments. You can access the bank's debt reconciliation assistance measures conveniently and quickly through the online system. Whether it is submitting a request for debt restructuring Submit a consignment for sale of property Including checking account status and details conveniently and quickly. Currently, there are GH Bank customers who have used the service through the Application: GHB ALL BFRIEND, totaling up to 150,000.
• Application : GHB ALL HOME For interested customers and want to buy a second-hand GH Bank house, good quality, prominent location, at a reasonable price You can search for the property you want from all over the country, including houses, condominiums, vacant land, and other real estate. Including the ability to place a security deposit for the purchase of property each time as well. Currently, there are GH Bank customers using the service through the Application: GHB ALL HOME, totaling up to 81,000. The number of properties sold through GHB ALL HOME is now more than 5,000. list
• GHB Buddy To increase the potential to respond to customer needs through the Line Application channel, which is another channel for notifying every movement. Communicate with customers in the most accessible and direct way. Currently, there are 1 member accounts in GHB Buddy.

“In June 66, there were more than 7.5 customers using the Mobile Application: GHB ALL GEN, with new applications increasing in May 2566 alone, up to 1.3, reflecting the bank's applications. Convenience and meets the needs of customers very well. The bank aims to have more than 1 million users of the Application: GHB ALL GEN by 66.”

In addition, to improve efficiency and the bank's service model in 2566, GH Bank has raised the level of digital services. By continuously developing additional functionality of the Mobile Application: GHB ALL GEN. To facilitate customers, such as paying loans electronically Open an electronic fixed deposit account (D-Fix), purchase GH Bank savings lottery tickets, and apply for loans. which customers can follow the status at all times and can sign contracts online

It also provides convenience to customers with the function to request a loan interest certificate. Request an electronic receipt and request a certificate of withholding tax, as well as placing a security deposit to purchase property, NPA, and pay fire expenses as well, making the GH Bank's Mobile Application: GHB ALL GEN able to answer the lifestyle needs of every generation of customers in one complete app. Every story

Meanwhile, the GH Bank has a system to oversee and protect safety. Including warning customers to be extremely careful from cyber threats, whether it be SMS scams or call center gangs. Fake loan apps, money sucking apps, and horse account opening.

At the same time, it is still following the policy of the Bank of Thailand (BoT) in verifying identity through facial scanning. For money transfer transactions of 50,000 baht or more per transaction Transferring money when the total transfer amount is every 200,000 baht per day and increasing the daily transaction limit. It will begin to be used from June 27, 2566 onwards, which is believed to be able to build confidence among customers very well.

Upgraded piggy bank MyMo Target users 1 million cases in 66

According to a news report from the Government Savings Bank , the trend of using mobile banking, or the bank's MyMo application, has grown rapidly recently. This is due to the increasing use of electronic financial services by customers, driven by convenience and security, eliminating the need to visit bank branches in person, and aligning with the move towards a cashless society.

Currently, there are more than 13.92 million registered users of the Government Savings Bank's MyMo application, with over 9 million active customers using the system. The Government Savings Bank aims to increase the number of people who install and use the MyMo service. Up to 1 million in 2566

The Bank is committed to continuously developing innovative financial services through the MyMo application. To be a channel for delivering electronic financial services to customers across the country. which customers can use easily (User Friendly) can arrange the menu according to the needs of the customers themselves There are services that promote savings and investment, including Digital Salak deposit and investment services (MyFund).

In addition, customers can record their income and expenses by adding a #tag on the E-Slip, including providing loan application services. and debt restructuring services through MyMo or purchasing life insurance accident insurance without having to travel to the branch There is also the convenience of using the cash withdrawal service without using a card (My Cash) at the Government Savings Bank's ATM/CDM. Scan to pay when purchasing products/services Without having to use cash, you can scan and pay at any point with a QR code nationwide.

In 2566, the bank will raise the level of online transactions. By developing account opening services and applying for MyMo services by customers through the NDID (National Digital Identity) project, including developing features to respond to the different and changing lifestyles of consumers. Make use more convenient and appropriate according to customer groups.

Including the development of savings and investment services. as well as adding loan services on the Mobile Banking system to support access to electronic financial services. With the convenience of using the service for all groups of customers of the bank On the important basis of safety in customer use

“The Government Savings Bank attaches great importance to financial protection. According to the BoT measures by issuing preventive measures such as not sending links to all types of information via SMS, e-mail to customers, and not requesting important information through social media. Set up a center to report incidents of financial fraud, Hotline GSB Contact Center, call 1115, press 6, to report incidents 24 hours a day. There is also the bank's direct communication channels, including the website www.gsb.or.th, social media facebook: GSB. Society LINE : GSB Society and LINE : GSB Now, which can help both prevent and solve the situation very well.”

Recently, the bank has improved the security system on Mobile Banking to keep it up to date with new forms of financial threats. By raising the level of protection more intensely Go through the identity verification process for making money transfer transactions on the MyMo app using Biometrics data by comparing faces (Face Recognition) or scanning the face to verify identity according to BoT policy.

This is for the safety of financial transactions, which will help detect and prevent fraudsters impersonating you from transferring money from your account. which will begin allowing customers to use the service in cases of changing the daily transaction limit on the MyMo app, starting with facial identity verification starting on May 11, 2566, and in the case of transferring money starting from 50,000 baht per transaction or transferring a total of 200,000 baht per day starting Verify your face From 15 May 2566