Innovative Digital Solutions Leveraging our banking expertise and technological advancements, we are focused on improving the experience and financial well-being of our customers by continuously innovating new digital solutions and improving existing ones. In 2020, Our TMB TOUCH application is constantly updated to provide a seamless experience. Its new design features make it simpler, faster and easier to use, with a more intuitive navigation and homepage offering more convenience. With the newly launched TMB ALL FREE Digital, our customers are provided with a digital version of a debit card via TMB TOUCH, addressing the rapid consumer shift towards a cashless society, especially in light of the pandemic. Furthermore, the bank launched two new digital banking solutions, TMB Business One and TMB Smart Shop, to uplift customers’ businesses. Business One TMB Business One is not just another internet banking app, but rather a digital business management platform integrated with digital tools that efficiently helps manage both finances and operations. This application differs from others due to three highlights: One Platform, One Control, and One Command. One Platform is a one-stop solution allowing customers to complete transactions, such as domestic or overseas transfers, payments and new loan applications via any electronic device. One Control enables customers to simply monitor cashflow in real-time. As well as providing full visibility of their cashflow, it proactively alerts them about any irregular activities, analyzes cash flow projections and gives recommendations for the future. It also offers personalized menus tailored to each user’s needs within the organization via overview dashboards. One Command seamlessly combines both financial and non-financial solutionswhileBusinessOne connects other applications such as HR management to help customers efficiently manage their human resources and payrolls. TMB Smart Shop TMB Smart Shop is a business management application designed to make it easier for SMEs to manage their financials and inventory – a smart choice for managingbusiness better. The application allows money to be received easily via QR Code or all banking applications, provides real-time in-app notification upon every successful payment, informs the user of all sales transactions, and offers access to insightful online sales performance reports. COVID-19 Relief Initiatives Through our proactive efforts to respond to COVID-19, the bank delivered numerous initiatives via digital channels to help customers experiencing financial hardship. For example, the bank maximized all online channels, making sure customers have access to our services and support. Customers could find information and seek support on COVID-19 debt relief measures, aswell asself-service registration for debt relief programs, via the bank’s website and Line application. To alleviate customers’ financial hardship, the bank waived transaction fees for tax payments via digital channels such as the e-payment channel of the Revenue Department, ATMs, mobile banking (TMB TOUCH, Thanachart Connect, and Thanachart iNet) and internet banking (BIZ TOUCH, TMB Business CLICK, Thanachart iBiz) . This fee waiver has been extended unt i l 31 December 2021. Furthermore, we leveraged our PunBoon Platform to helpmore than 10 foundations and hospitals raise funds, totaling 20 million Baht, during the COVID-19 crisis as part of the Punboon Fight COVID-19 campaign. 25 Su s t a i n a b i l i t y Re po r t 2 0 2 0 I n t r odu c t i o n Cu s t ome r s En v i r o nme n t a l & So c i a l I mp a c t s Pe op l e Go v e r n a n c e App e nd i x
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