We used to think that banks = places to save money, but 2011 was a turning point when American ‘Simple Bank’ FinTech online bank was launched. Open an online bank, but there are no branches outside. Simple Bank offers cloud based corporate digital banking software services in a simple app format.

Simple Bank is not a bank that deposits money to collect interest. Or a bank with a loan. Instead, it is an online bank that primarily manages the use of money. Simple Bank users also have a separate Visa-guaranteed debit card. Online banking’s income comes from the collection of fees and interest.

After that, many online banks have emerged, such as GoBank, Ally, USAA, Virtual Wallet by PNC. However, these online banks are all partners with large financial institutions. As for financial institutions, it is still an intermediary to ‘pay,’ but online banking is available as a front line to make users’ lifestyles more convenient.

For banks in Thailand, It is now the most advanced in terms of service being recognized. And covering is the matter of mobile banking. The leader of mobile banking services, no one would deny that Kasikorn Bank is a Thai bank that has seriously pioneered this issue.

From the ATM SIM era to the arrival of K PLUS, how will Kasikorn Bank see the changing role of the bank in the future? When the Internet is essential, Mango Zero talks to ‘Mr. Supaniwan Chutrakul ‘ Assistant Managing Director Kasikorn Bank.

How will banks in Thailand change in terms of their role in people as the Internet affects their lives?

Supaniwan: The bank’s next role will be to banking and financial services app development various Digital Solutions to be more than the current financial transaction service providers, such as money transfer, bill payment, top-up, payroll transfer, and other financial transactions. It will focus on the development of various technologies. continuously To make customers more convenient, faster, and more secure

An obvious example is The development of mobile banking with the introduction of digital technology Response to the current ” Digital Mobility ” (Digital Mobility) lifestyle of customers who do not keep still. And want comfort and manage everything by yourself via smartphone and various digital devices To enable customers to conduct financial transactions conveniently and quickly in any matter they want, anywhere and at any time.

After starting to use mobile banking, How is the growth until today? 

Supaniwan: Mobile Banking of Kasikorn Bank Began to develop as early as ten years ago and pioneered the Low code ISV Banking and financial services development of technology over the years to become the apps function K PLUS operators with exposure to consumer behavior. Turning to trial service makes K PLUS proliferate. Customers have recognized it for its comfort and safety.

When more people use K PLUS, will the bank reduce the number of branches as well?

Supaniwan:  Branches are still crucial for complex transactions such as loans, investment planning. Also, some transactions require a written signature Which is by the law. Therefore, customers still have to come to the branch. The role of the unit is still necessary. but on the opposite side of mobile banking

The central policy of branch managers is to increase the efficiency of both management and exemplary service to customers. Can use the service faster through electronic devices using new technology to enhance the service at the branch This will help create more convenience for customers.

There is also a team called Digital Service Officer (DSO) stationed at Kasikorn Bank branches. To provide information Instructions on how to use the features of K PLUS.