Financial literacy training programs for 150 underserved individuals
Financial literacy training programs reached 212 underserved individuals
Financial inclusion and financial literacy are fundamental foundations for sustainable socio-economic development. The Company recognizes that different population groups have varied needs and constraints in accessing financial services, particularly vulnerable and underserved groups. Accordingly, the development of appropriate and diversified financial products and services serves as a key mechanism to expand opportunities, reduce inequality, and strengthen household-level financial stability.
The Company is committed to developing financial products and services that are aligned with customers’ needs across different life stages, taking into account debt repayment capacity, transparency of terms and conditions, and the provision of complete, clear, and easily understandable information. In parallel, the Company leverages digital technology to enhance efficiency and convenience in accessing financial services, reduce time and location constraints, and elevate a secure and user-friendly service experience for all customer groups.
In addition, the Company places strong emphasis on continuously promoting financial literacy among consumers to support effective financial management, enable appropriate financial decision-making, and foster long-term financial discipline. These efforts reflect the Company’s commitment to expanding financial inclusion while strengthening financial resilience within society, thereby contributing to improved quality of life and sustainable financial security for the public.
Positive impacts: Promoting inclusive access to financial products and services helps expand the customer base and support long-term business growth through the development of products that are aligned with the diverse needs and financial capacities of different customer groups. Together with the enhancement of financial literacy, it helps reduce credit risk, improve loan portfolio quality, and strengthen the Company’s financial stability within its risk management framework.
Negative impacts: If the expansion of accessibility to financial services is not accompanied by adequate risk assessment and sufficient financial education, it may increase risks related to household indebtedness, asset quality, and regulatory compliance. Such risks could adversely affect the business performance and sustainability.
Positive impacts: The use of digital channels for financial services and financial education helps reduce resource consumption and greenhouse gas emissions from operational processes, supporting efficient and environmentally friendly business operations across the value chain.
Negative impacts: The expansion of digital service may lead to increased energy consumption by data centers and IT systems if not managed efficiently.
Positive impacts: Promoting financial literacy enhances individuals’ capacity to manage their finances responsibly, reduces financial vulnerability, and improves quality of life over the long term. Equitable access to financial services also helps reduce inequality and supports broader economic participation within society.
Negative impacts: If financial information is not communicated clearly or appropriately, it may result in misunderstanding, inappropriate financial decision-making, and adversely affect public confidence in financial institutions.
Positive impacts: The provision of equitable and non-discriminatory financial services, in line with human rights principles and consumer protection, supports human dignity and the right to access essential financial services, while fostering long-term trust and confidence.
Negative impacts: If access processes or information provision do not adequately consider user diversity, this may lead to indirect exclusion or discrimination, potentially resulting in legal and reputational risks, as well as affecting stakeholder expectations.
The Company is committed to promoting inclusive access to financial products and services by adhering to principles of responsible, fair, and customer-centric. This commitment aims to strengthen financial capability and financial security for customers across all groups. Such commitment is reflected through the development of financial programs and solutions that expand access to financial services, particularly for underserved groups and those with limited access to the financial system.
The Company places importance on supporting customer decision-making by providing complete information and appropriate financial literacy through transparent communication, alongside the development of diversified financial products and services that can be tailored to the needs and financial capacities of different customer groups. These efforts are intended to support long-term quality of life and financial well-being.
The Company is committed to investing in community development through financial literacy initiatives as part of its sustainability strategy. This aligns with its business strategy to promote fair and equitable access to financial products and services, while enhancing the quality of life for Thai society.
The Company’s commitment to financial inclusion is driven by a robust governance structure, clear operational standards, and continuous employee development. This approach strengthens stakeholder confidence and supports business growth in parallel with the creation of sustainable economic and social value.
The Company is committed to developing a diverse range of financial products and services while creating inclusive and equitable access to financial services for people across society. These offerings provide customers with appropriate options aligned with their needs, ensuring that access to financial products and services, together with the promotion of financial literacy, is comprehensive and responsive to all customer groups. Key practices include the following:
The Company provides multiple channels for accessing products, services, and information, ensuring that customers can conveniently and quickly obtain accurate and equitable information. This enables customers to make informed decisions and reduce barriers to understanding the use of financial products and services. These channels are available nationwide as follows:
Customers interested in financial products and services can physically visit or contact the Company through the following channels:
Customers can search for information or submit applications through various digital platforms and online distribution channels, ensuring seamless access at any time.
The Company is committed to developing financial products and services that address the needs of diverse customer groups to promote financial inclusion, enabling people from all groups to access funding sources in an equitable, transparent, and responsible manner. In doing so, the Company considers customers’ repayment capacity, product suitability, and the promotion of financial literacy in parallel. This commitment is reflected in the design of financial products and services that are aligned with the lifestyles and financial capabilities of different customer groups. Accordingly, the Company has developed a range of financial products and services to meet diverse needs, as follows:
The Company offers the “KTC P BERM Car for Cash”, a loan service that uses vehicle registration as collateral to enhance financial accessibility for individuals with limited income. This service addresses challenges faced by individuals who may struggle to secure funding through traditional channels. To ensure equal access to financial products, KTC P BERM Car for Cash provides this microfinance service for a diverse range of professions, including self-employed individuals, small business owners, merchants, and low-income earners.
The total approved loan amount was 2,313 Million Baht with 10,045 customers
The Company recognizes the important role of SMEs and Small Merchant Businesses in driving a cashless society and promoting equitable access to financial services. The Company supports small merchants, particularly those who have not previously accepted credit cards, by enabling access to electronic payment systems in an equitable and secure manner, with same-day settlement to help enhance business liquidity. Through the KTC Merchant App, merchants are supported with 24 hours a day, seven days a week merchant support and can accept payments via credit cards, PromptPay Thai QR, and QR Cross-Border from international customers in 8 countries, namely Singapore, Malaysia, Indonesia, Hong Kong, Lao PDR, Cambodia, Vietnam, and China. The service expands merchants’ access to credit card customer bases with merchant discount rates starting from 1.00%. Merchants can easily use the service by downloading the KTC Merchant App on their existing mobile devices, without concerns about minimum card acceptance amounts or monthly terminal rental fees.
A total of 6,444 SMEs and Small Merchants benefited from this product
The Company is committed to promoting financial literacy across all groups of society, recognizing that financial knowledge is a fundamental foundation for empowering customers and stakeholders, particularly those with limited access to financial services. The Company also acknowledges that financial literacy and practical financial skills are essential to self-reliance and resilience situations. Accordingly, the Company extends financial knowledge to communities with limited access to resources and education, as well as to those who are preparing to enter the workforce to enhance financial readiness and capability. These efforts aim to equip individuals with the skills, confidence, and adequate information needed to manage their personal finances effectively, make appropriate decisions when using financial products and services, and build long-term economic stability in a sustainable manner.
In 2025, the Company continued to implement initiatives covering customers and society across various dimensions, as follows:
The Company produces the “PROUDcast” podcast to deliver financial knowledge in an accessible and engaging format, with the aim of raising awareness of responsible spending, financial planning, and the development of sustainable financial discipline among customers and younger generations. The content is delivered through audio formats and modern online media platforms. In addition, the Company disseminates financial knowledge through articles and online content marketing across its corporate website, social media channels, YouTube, and partner websites. These materials provide information on financial products, prudent spending, and disciplined debt management, as well as other related topics such as financial planning and value-for-money spending in various areas including travel, dining, and insurance.
A total of 7 podcast episodes were released, reaching a total of 223,725 listeners
The Company organized a seminar and knowledge-sharing activity for elderly participants to inspire them in preparing for life after retirement. The program aimed to foster a positive mindset, encourage seniors to recognize their self-worth, and support them in living with confidence and purpose. The activity provided a space for participants to share experiences, learn from one another, and develop emotional resilience in a creative and meaningful way. The event was organized in collaboration with the Yannawa Elderly School.
A total of 72 persons participated in the program
The Company organized an educational activity for young people on the proper and responsible use of credit cards. The program aimed to instill financial discipline and strengthen understanding of both the benefits and risks associated with credit card usage. It emphasized developing disciplined repayment behavior to prevent debt issues and promote sound financial planning for the future. The activity was designed to help youth apply the knowledge gained in real-life situations responsibly. It was organized in collaboration with Krungthai Bank Public Company Limited.
A total of 1,753 persons participated in the program
The Company organized a financial skills training activity for university students seeking to strengthen their comprehensive financial literacy. The training provided knowledge on personal financial planning and the proper use of financial products, including credit cards and personal loans. The program also aimed to build understanding of the benefits, risks, and principles of using financial products responsibly and with discipline.
In addition, the activity broadened students’ exposure to potential career opportunities by developing related skill sets, such as communication and sales skills, to enhance their capabilities. This enables students to apply their knowledge to generate income and confidently prepare for future career paths.
A total of 131 persons participated in the program
The Company organized activities to provide university students with knowledge on financial planning, saving, and investment, together with a fundamental understanding of financial management and investment. The program aims to prepare students for future careers and stable living, while also broadening perspectives on careers in the financial sector to create opportunities and inspiration for related professions. This program was conducted for students from the Faculty of Computer Engineering and Digital Technology at Chulalongkorn University.
A total of 63 persons participated in the program
The Company organized learning activities on systematic money management, saving, basic investment, and the development of financial discipline to enable Gen Z participants to manage spending and plan their lives with greater financial stability in the future. The program was conducted for students from King Mongkut’s Institute of Technology Ladkrabang, with the objective of enhancing understanding of personal financial planning, income and expense management, and setting financial goals that align with the lifestyle of the new generation.
A total of 70 persons participated in the program
Legal Knowledge Transfer Program for University Students
The Company organized activities to transfer legal knowledge related to debt restructuring and dispute mediation to young people, particularly law students who represent an important future workforce within the justice system. The program aimed to provide students with opportunities to learn from real case studies, gain an understanding of the context of debt-related issues in Thai society, and effectively apply such knowledge in their professional careers. The activity was conducted as part of the ‘38th Debt Mediation Fair’ and was attended by students from the Bachelor of Laws program at Walailak University. The program was organized in collaboration with KTB Leasing Company Limited (KTBL) and Win Performance Company Limited.
A total of 186 persons participated in the program
The Company organized financial discipline training for youth and students with disabilities to strengthen their understanding of proper money management. The program emphasized income-expense planning and saving practices to help build a foundation for long‑term financial stability. The activity promoted practical skills that participants could apply in their daily lives, helping to boost their confidence and enhance their ability to be self‑reliant. The training was conducted in collaboration with Pattaya Redemptorist Technological College for People with Disabilities and the Social Innovation Foundation to support equal learning opportunities. The initiative also contributed to improving the quality of life of participants, enabling them to grow with dignity and participate meaningfully in society in a sustainable way.
A total of 18 persons participated in the program
The Company organized a personal financial management training program for self-employed workers, covering saving practices, disciplined spending, and investment. The training also provided knowledge on retirement planning and cautions related to debt obligations to help reduce long-term financial risks. The course content was designed to reflect the income patterns of self-employed workers such as Grab drivers, LINE MAN, and motorcycle taxi riders. Participants gained practical skills and actionable guidance that they could apply directly in their daily lives to strengthen their financial security and long‑term self‑reliance. The program was conducted in collaboration with the Thai Health Promotion Foundation to support the financial well-being of self-employed workers in society.
A total of 60 persons participated in the program
