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. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast
of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the Board of Directors and high-level management
understanding of the overall industry picture vis-à-vis customers’ businesses, especially the significant changes in products and services provided by KBank in response to the fast-paced digital era. This
business operations. Other challenges also lie in the fast-changing technology which will provide consumers with increased alternatives in conducting financial transactions. 1.3 Regulatory Changes
and cyber security challenges while staying ahead of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the
suitable for each customer, with fast process of loan approval. Moreover, the bank categorizes its loan services into 3 business sectors, i.e., loan service for big corporate & corporate, loan service for