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increased by 5% y-y, mainly due to the continual increase in credit card spending through online channels and marketing with business partners. In the first quarter of 2023, online credit card spending shared
personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and
cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of
the leader of online top-up machine market both in terms of total usage amount and the number of kiosks, covering all area nationwide. The Company's strategy continues to emphasize on efficient location
, reaching 89.6% of GDP in the second quarter of 2024. This continues to pressure the growth of personal loans, particularly unsecured loans offered by both commercial banks and non-bank financial institutions
than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under
’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in