KTC Accelerates Digital and AI Transformation in 2026 to Drive Sustainable Growth

Mrs. Pittaya Vorapanyasakul, President & Chief Executive Officer of Krungthai Card Public Company Limited (KTC), said despite the sluggish economic outlook in 2026, KTC is moving forward with a major IT transformation by replacing its legacy payment system with a new platform built on cloud computing technology. This architecture is designed to be highly scalable to support business growth and resilient to enable rapid product development and deployment. It allows us to respond instantly to market needs, delivering greater benefits to members, merchants, and partners. At the same time, we are enhancing service quality, strengthening data security in compliance with ISO/IEC 27001:2022, reducing operational costs, and creating new opportunities for business expansion.

In 2026, KTC is taking a major step forward by consolidating member data from all touchpoints—online, offline, mobile applications, and social media—into a single, unified system through a Customer Data Platform (CDP). This technology will enable us to deliver highly targeted marketing, strengthen data security, and streamline internal processes for greater speed and efficiency. We believe this investment will accelerate performance and drive sustainable revenue growth.

Quality-Driven Portfolio Growth

For 2026, KTC targets a 1-2% expansion of its total loan portfolio while maintaining strong asset quality with an NPL ratio below 2%. To support this growth, the company plans to raise approximately THB 12 billion in long-term funding to strengthen its loan portfolio, sustain continuous technology investments, and refinance bonds and long-term borrowings reaching maturity. This disciplined approach ensures stability and positions KTC for sustainable growth.

Credit Card Business Targets 250,000 New Members

In 2026, KTC expects credit card spending to grow by 5% and aims to acquire 250,000 new members. The company will drive sustainable business growth through four key strategies:

1.Strengthen Portfolio Quality and Enhance Products

Expand the member base via digital channels while offering lifestyle benefits across dining, shopping, and travel, as well as trending categories such as health and wellness.

2.Expand Insurance Brokerage Business

Collaborate with partners to develop life and non-life insurance products, providing greater value and new revenue streams through credit card channels.

3.Deepen Collaboration with Krungthai Bank

Focus on three key segments:

• Wealth customers with enhanced privileges and services
• SMEs through expanded opportunities on the e-marketplace "KTC U SHOP," soon to be rebranded as "KTC MALL"
• Gen Z by targeting university students to build early engagement

4.Leverage Digital and AI for Marketing

Deliver seamless, personalized experiences with faster, more precise benefits tailored to individual needs.

Personal Loan Business Focuses on Quality Growth and Careful Expansion
In 2026, KTC's personal loan business targets 2% growth, emphasizing portfolio quality and responsible expansion and aims to acquire 110,000 new members. For the "KTC PROUD" cash card, the company will implement four key strategies:

1.Revamp Online Application Process

Integrate e-Application into the KTC Mobile app for faster, more convenient applications, with approval results in as little as 30 minutes.

2.Expand New Customer Acquisition

Leverage partnerships and over 2,000 high-demand retail locations where customers can apply via QR code, receive instant approval, and collect products immediately. Collaboration with Krungthai Bank will also support growth through payroll database integration.

3.Enhance Member Benefits

Serve over 700,000 members with privileges across "Spend-Transfer-Withdraw-Installment," while promoting financial discipline through the "debt-clearing" campaign.

4.Offer Flexible Installment Promotions

Provide relief through 0% interest installment plans for up to 24 months.

For "KTC P BERM Car for Cash", the company will focus on expanding its customer base primarily through Krungthai Bank, while redesigning products to better meet customer needs.

Mrs. Pittaya concluded that our technology roadmap for 2026 will strengthen our ability to expand our member base while delivering faster, safer, and more personalized experiences. At the same time, it reinforces confidence among shareholders and investors that KTC is investing in a robust digital infrastructure designed for long-term growth, built on a foundation of sustainability in every dimension.

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