Mr. Ponganan Thanattri, President of Retail and Retail Business Group Bank of Ayudhya Public Company Limited said that Krungsri is one of the leaders in the financial market for retail and individual customers. It offers a wide range of products including deposits, home loans, personal and credit cards, auto loans, insurance products. including investment products With more than 12 million customers in charge today, under changing business conditions and consumer lifestyles More interested in building financial stability At the same time, getting used to using services through digital channels that are fast, responding to the needs of Krungsri has thus adjusted its operational direction. Under the strategy “Krungsri One Retail”, which is one of the main strategies in the medium-term business plan. Focus on the integration of all departments in the business group, retail customers and individual customers. by taking the customer as the center To deliver a better experience to customers through 4 main approaches to provide products and services that are easy, complete, all financial matters. and build long-term relationships with customers
Krungsri One Retail strategy focuses on merging strengths from all businesses in the group through 4 main approaches: 1. Increase customer data analytic potential for deep understanding of customers. With the vast amount of customer data in both quantity and quality, together with the skills and expertise of the team and the readiness of the existing IT systems, Krungsri will build a One Retail Integrated Data Platform to analyze every aspect of customer data. To offer financial products and services that meet the needs of each customer. through channels and at the right time
2. Be a trusted partner for customers in financial and investment (Financial Literacy and Advisory) from the Covid-19 situation. and higher household debt burden This makes most Thai people realize the necessity of financial planning. and discipline in saving Krungsri therefore wants to participate in educating Thai people in this matter. To become a trusted partner or financial advisor therefore initiated the Krungsri THE COACH project, the source of financial knowledge in all dimensions. By focusing on 2 groups of customers, namely general customers (Mass Segment) through content that provides financial knowledge presented through online channels. and high net worth customers in the form of providing investment perspectives through One Krungsri Investment View, which is a collaboration between banks, Krungsri Asset Management Company Limited, and Krungsri Securities Public Company Limited. ) and BlackRock partners analyze the situation and provide a comprehensive investment perspective to advise clients.
3. Create financial innovations and services that satisfy customers With the availability of Customer Data Analytics, IT and Digital Platforms, skills and expertise of the team. as well as investments, etc., enabling Krungsri to be ready to continuously create financial innovations and services that understand the needs of customers, such as Krungsri Finnoventure Private Equity Fund, an innovative mutual fund that focuses on investing in startups in Thailand, Kept Together, a new saving feature, Krungsri NOW card and XU card, digital credit card, Super Saving Home Loan that can be used to reduce home loan interest burden, GO by Krungsri Auto, an app for those who want to use the vehicle loan service. Motors, collaborating with partners such as Grab to bring new products such as rider loans.
and 4. Integrate service channels to provide customers with convenient, seamless access and a better experience. Krungsri places importance on all channels of customer service. Starting from the digital platform through the existing mobile applications, KMA, UCHOOSE, GO and Kept, which will connect customers to use as the same app, such as opening a bank account via UCHOOSE or GO Application.
for branch channels Krungsri has established One Retail Branch, which is a new branch. by merging cooperation between the Bank, Krungsri Consumer and Krungsri Auto to provide services in the same branch To facilitate and increase the good experience for customers. In addition, customers can also access services. Through the platform of partners and Banking Agent over 200,000 points
“All this for Krungsri’s retail and individual customers. able to expand quality customer base and increase operational efficiency to provide customers with an easy, convenient and satisfying service experience that meets their financial needs in every stage of life It is expected that this year Retail and retail loans will grow by 3-4%, and by 2024, the target is to expand the retail customer base to 15 million, and will increase service capabilities and increase the number of digital channel subscribers. to 12 million, ready to use expertise in the personal loan and credit market
Automotive, develop retail finance business, linking to ASEAN to create sustainable growth Let Krungsri step into being the main financial institution that customers use for retail customers,” said Mr. Ponganan.
