services decreased due mainly to high business competition, especially when commercial banks began big player in offering e-payment services to the merchants. In addition, other operators started offered

services to the merchants. In addition, other operators started offered lower rates on settlement services causing some customers decided move to operate e-Payment services with the other operators. Real

e-payment services to the merchants. In addition, other operators started offered lower rates on settlement services causing some customers decided move to operate e-Payment services with the other

competition, especially when commercial banks began big player in offering e-payment services to the merchants. In addition, other operators started offered lower rates on settlement services causing some

relation to e-Payment services decreased due mainly to high business competition, especially when commercial banks began big player in offering services to the merchants. In addition, other operators started

in offering services to the merchants. In addition, other operators started offered lower rates on settlement services causing some customers decided transfer their settlement services providing by

phone. One notable endeavor was development of a Social Payment feature on the K PLUS SHOP application, which enables payment via QR code and automatically sends a payment status alert to merchants, while

and facilities. Most importantly, we remain steadfast in our commitment to help communities, farmers, SME’s, and the Thai people in order to allow Thailand to move forward stably and pass through the

Enterprise Employee 34 260 32 326 8% 17% 13% 15% Army 36 129 31 196 8% 8% 13% 9% Government Officers 91 462 54 607 21% 29% 23% 27% Merchants 16 79 13 108 4% 5% 6% 5% Total 444 1573 238 2255 100% 100% 100% 100

Plan. Of note was enhancement of the K PLUS SHOP application to make it more convenient for merchants to receive payment via QR code linked to mobile banking of other banks, or via e-Wallet, to help