technology will have many impacts on commercial banking. The use of smartphones and tablets is growing rapidly and easy access to digital media is changing how consumers use financial services. This is in line

. Digital disruptions to banking – Digital technology will impact commercial banking businesses. Rapid growth in the use of smartphones and tablets enables consumers to increase their everyday access to

and the pattern of consumers’ advertising consumption. After the increasing popularity of mobile phones or smartphones, the advertisers, adjusted such significantly changes, have allocated their budgets

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a decelerating rate due to slowdown in external sector and manufacturing production at home. Meanwhile, private consumption which continued to expand was derived mainly from increased expenditures on automobiles. Nonetheless, the business sector remained challenged by new modes of competition, the broade...