expanding more service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 31% of total personal loan sales
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summarized as follows: 1) Profit & Loss Analysis: Q4 2021 (3 Months) (Unit: Million Baht unless otherwise stated) Q4 2021 Q4 2020 Change Amount % Change Total Revenues 5,849 5,834 15 0.25% Sales and service