contribution from supermarket in Thailand, offsetting with closure of some convenience stores. In addition, the COVID-19 pandemic has positively impacted to our sales due to unprecedented demand for grocery and
platforms: LINE OA, Lazada and Shopee to provide convenience for customers at all stages related to real estate transactions. For example, researching, booking, checking the room and transferring ownership
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
consumer protection and customer privacy, taking into account the changing customer expectations for greater convenience and speediness over omni-channel. Beyond the above strategies, we focus on proactive
to enhance convenience and efficiency in customer services. KBank has focused our strategy on bolstering customer competitiveness. Aside from risk management products appropriate for customer needs in
’ patient management system with the use of technologies and innovations to enhance service efficiency for greater convenience of patients through alerts for their appointments with physicians, queuing, and
information checking, and fund purchasing under the slogan “LH Bank M Choice” is financial transaction in one application”. 3.2 LH Bank Speedy is a service for more convenience in the financial transactions
shops or online shopping with convenience. LH Financial Group Public Company Limited Management Discussion and Analysis for the year ended 31 December 2019 Page 7/22 3.5 Deposit, Withdrawal and Loan
Internet Banking (LH Bank Speedy) is a service for more convenience in the financial transactions that can perform transactions on anywhere and anytime with a double security system with easy-to-use menu and