US$1.04 trillion5 and 267 million population with young working age population, growing middle and upper income class, rapid digital penetration, high credit growth6 and large unbanked population7
have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most
sector remained challenged by new modes of competition in a broader marketplace amid the advancing digital age and its rapid pace of technological advancement. Businesses have also had to cope with Thai
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