(FSMART) 3Q19 Management Discussion and Analysis Financial Statement Summary in 3Q19 Statement of Comprehensive Income Bt mn % Bt mn % Bt mn % Income from rendering of top-up service for prepaid phone and
our focus on QR payment acceptance with Thai QR Payment and MyPromptQR via K PLUS Shop – a mobile application designed for merchants, KBank teamed with Thailand Post to offer discounts on EMS fees in
Thailand and electrical appliances, mobile phone and etc. in oversea business, with the revenues of 301 million baht, an increase of 20 million baht or 7% y-y due to hire purchase sale growth from overseas
utilities bill reduction. Also, NBTC’s measurement for free data and voice in April to May affected Company in short- term on mobile top-up and bill payment. However, the Company has prepared its cash flow by
Thailand remained stable. Capital funds and reserves were at a high level and were able to support the challenges of uncertain economic conditions. The performance of the Thai banking system improved, mainly
collaborating with Financial Technology (FinTech) firms on new financial products to meet the challenges of changing consumer behavior such as the increasing popularity of mobile banking and asset management for
quarter, net interest income advanced over-quarter and over-year. Likewise, net interest margin (NIM) was stable from the previous quarter. This reflected commercial banks’ attempts to manage funding cost
บิทคอยน์ (bitcoin) ประกอบกับมีการใช้ smart phone มากขึ้นทำให้ประชาชนสามารถเข้าถึงบริการทางการเงินได้ดียิ่งขึ้น ตัวอย่างเช่น การให้บริการของ M-PESA และนวัตกรรมต่าง ๆ ที่เกิดข้ึนในช่วงทศวรรษที่ผ่านมาได้มา
5.7% YoY, mainly from a decrease of mobile top-up value according to the customer’s behavior that prefer using data package top-up, the marketing campaigns to promote SIM card sales, and Post-paid and e
. - Hire Purchase For the first nine months of 2019, motorcycle and used car hire purchase in Thailand and hire purchase of electrical appliances, mobile phone and others in oversea subsidiaries, with the