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
more convenience to customers and this also saved the Company’s operation cost. After the Cardless withdrawal service was launched in the fourth quarter of 2018, the Cardless transactions from both AEON
2018 and continued to run the marketing campaign. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. After the Cardless withdrawal
ไมใ่ช้บตัร (Cardless Cashing) รวมแล้วกำรใช้จ่ำยบตัรเครดิตช่องทำง Online เติบโตกวำ่เทำ่ตวั และกำรใช้ Cardless cashing คิดเป็นสดัส่วนกว่ำร้อยละ 30 ของยอดเงินกู้ รวม ทัง้นีบ้ริษัทฯ ยงัมีรำยได้อื่นจำกหนีส้ญูรับคืน
continued pursuing debt collection respectively. However, the Company has been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless
and 1% q-q. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Currently, the Cardless transactions at ATMs accounted for 19% of
service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 25% of total personal loan sales. Total Sales
and launched an instant card service for AEON Member Card at AEON branches nationwide. In the fourth quarter of 2018, The Company also launched a new service called “Cardless Withdrawal” under AEON
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