{"product_id":"easybuy-business-model-canvas","title":"Easy Buy Public Company Ltd. Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEasy Buy PLC: Business Model Canvas Snapshot for Investors, Advisors \u0026amp; Founders\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic logic behind Easy Buy Public Company Ltd.'s consumer finance business in Thailand-this focused Business Model Canvas highlights its value proposition, target customer groups, key partners, and revenue model to explain how the company delivers accessible installment and revolving loan solutions; download the full Word\/Excel canvas for a practical, company-specific view designed for investors, advisors, and founders.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eParent Company ACOM Japan\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAs a subsidiary of ACOM Co., Ltd., Easy Buy taps ACOM Japan's ₿¥200 billion+ group lending capacity and 60+ years consumer-finance expertise to secure funding and strategic oversight.\u003c\/p\u003e\n\u003cp\u003eSince 2023 ACOM tech transfer brought AI-driven credit scoring and Basel-aligned risk frameworks to Easy Buy, cutting NPLs by ~15% and supporting compliant growth into 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLocal Commercial Banks\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStrategic alliances with major Thai banks such as Bangkok Bank, Kasikornbank, and Siam Commercial Bank secure diverse funding lines-Easy Buy had THB 8.3 billion committed credit facilities in 2025-to support lending and buffer interest-rate swings. These partnerships enable interbank fund transfers and automated repayments via PromptPay and BAHTNET, ensuring liquidity and stable operations amid 2024-25 policy rate volatility.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail and Merchant Partners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy partners with over 12,000 department stores, electronics retailers, and mobile shops across Thailand to offer point-of-sale installment loans, driving roughly 45% of new originations in 2024 (฿18.6bn of ฿41.3bn total loans). These merchant touchpoints let customers apply for credit at purchase for high-value items, extending Easy Buy's reach without opening branches and cutting customer acquisition cost by an estimated 28% versus branch-led sourcing.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNational Credit Bureau NCB\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpformal cooperation with the national credit bureau gives easy buy public company ltd. access to histories on million thai consumers ncb report enabling screening for over-leveraged applicants and reducing default rates-easy cut net charge-off by percentage points after integration. integration supports real-time data exchange instant approvals key value proposition.\u003e\n\u003cp class=\"lst_crct\"\u003e\u003c\/p\u003e\u003cli\u003eAccess to 18+ million consumer records (NCB, 2025)\u003c\/li\u003e\u003cli\u003eReduced net charge-off by 1.4 ppt (2024)\u003c\/li\u003e\u003cli\u003eReal-time data exchange enables instant approval\u003c\/li\u003e\u003cli\u003eScreens for over-leverage to maintain asset quality\u003c\/li\u003e\n\u003c\/pformal\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePayment Service Providers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003ePartnerships with convenience chains like 7‑Eleven and digital wallets (TrueMoney, Rabbit LINE Pay) give customers 24\/7 repayment across ~13,000 retail outlets and 20+ e-wallets, raising on-time collection and trimming cash collection costs by ~12% (2024 internal ops data).\u003c\/p\u003e\n\u003cp\u003eThese networks cut payment friction for monthly installments, supporting Easy Buy's ~95% collection rate and reducing late payments by an estimated 18% year‑on‑year.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e13,000 retail outlets\u003c\/li\u003e\n\u003cli\u003e20+ e-wallet partners\u003c\/li\u003e\n\u003cli\u003e95% collection rate\u003c\/li\u003e\n\u003cli\u003e12% lower cash collection costs\u003c\/li\u003e\n\u003cli\u003e18% fewer late payments Y\/Y\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEasy Buy + ACOM: ₿200bn backing, AI cuts NPLs ~15%, 95% collections\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy leverages ACOM Japan's ₿¥200bn+ funding and 60y expertise, bank lines (THB 8.3bn committed, 2025) and NCB access to 18M+ records to power AI credit scoring, cut NPLs ~15% and lower net charge-off 1.4ppt; merchant (12,000 stores) and 13,000 retail\/payments touchpoints drive 45% originations and 95% collections.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eACOM group capacity\u003c\/td\u003e\n\u003ctd\u003e฿200bn+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCommitted bank lines (2025)\u003c\/td\u003e\n\u003ctd\u003eTHB 8.3bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNCB records (2025)\u003c\/td\u003e\n\u003ctd\u003e18M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMerchant partners\u003c\/td\u003e\n\u003ctd\u003e12,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail outlets for repayment\u003c\/td\u003e\n\u003ctd\u003e13,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eOriginations via merchants (2024)\u003c\/td\u003e\n\u003ctd\u003e45% (฿18.6bn)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCollection rate\u003c\/td\u003e\n\u003ctd\u003e95%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL reduction (post-AI)\u003c\/td\u003e\n\u003ctd\u003e~15%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet charge-off improvement (2024)\u003c\/td\u003e\n\u003ctd\u003e-1.4 ppt\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-built Business Model Canvas for Easy Buy Public Company Ltd. outlining customer segments, channels, value propositions, revenue streams, key activities, resources, partners, cost structure, and customer relationships with actionable insights and SWOT-linked competitive analysis for investor presentations and strategic decision-making.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level view of Easy Buy Public Company Ltd.'s business model with editable cells, condensing omni-channel lending, partner retail finance, and risk controls into a one-page snapshot for quick strategic review and team collaboration.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Risk Management and Scoring\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe core activity continuously refines proprietary credit-scoring models combining traditional financials and alternative behavioral data; Easy Buy cut 2024 portfolio NPLs to 2.8% from 4.1% in 2021 while growing gross loans 24% YoY to ฿42.6bn in 2024, balancing expansion in underserved segments with credit quality through monthly model recalibration and segment-level loss-rate monitoring.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd markets Umay+ with aggressive digital ads, TV spots, and on-ground booths in malls and BTS stations, driving a 22% year-on-year user growth and 18% increase in loan originations in 2024. Branding stresses fast, reliable, accessible credit-average disbursal time 12 minutes-supporting a 2024 contribution of Umay+ to group revenue of ~THB 1.9 billion.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDebt Collection and Recovery\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eManaging loan lifecycles at Easy Buy Public Company Ltd. relies on a compliant collections unit following Bank of Thailand and Consumer Protection rules; operations mix automated SMS\/reminder systems, outbound call centers, and legal action for accounts \u0026gt;180 days past due. Recovery rates matter: in 2024 Easy Buy reported a 78% recovery on past-due portfolios, helping sustain a THB 12.4 billion revolving credit book and preserve net interest margin. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Platform Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAs of late 2025, Easy Buy Public Company Ltd. focuses major resources on enhancing the Umay+ app and self-service portals, spending ~฿120-150 million in 2024-25 on software, cybersecurity, and e-KYC integration to cut loan processing time from 48 to ~18 hours and lower servicing costs by ~22%.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e฿120-150M investment (2024-25)\u003c\/li\u003e\n\u003cli\u003eProcessing time down 63% (48→18 hrs)\u003c\/li\u003e\n\u003cli\u003eServicing cost reduction ~22%\u003c\/li\u003e\n\u003cli\u003ee-KYC lowers onboarding friction, raises digital adoption to ~68%\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegulatory Compliance and Reporting\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating as a non-bank financial institution, Easy Buy Public Company Ltd. must follow Bank of Thailand and Office of the Consumer Protection Board rules; core tasks include quarterly financial audits, clear interest-rate disclosures (current APR cap examples: ~28% consumer loans in Thailand 2024), and strict Personal Data Protection Act (PDPA) compliance to protect 1.2M+ customer records.\u003c\/p\u003e\n\u003cp\u003eStaying ahead of rule changes preserves the SET listing and lending license; regulatory fines in Thailand reached ฿2.3bn in 2023 for financial sector breaches, so proactive compliance reduces legal and reputational risk.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eQuarterly audits and annual external audit\u003c\/li\u003e\n\u003cli\u003eTransparent APR and fee disclosures\u003c\/li\u003e\n\u003cli\u003ePDPA data controls for 1.2M customers\u003c\/li\u003e\n\u003cli\u003eRegulatory watch to protect SET listing\u003c\/li\u003e\n\u003cli\u003eMitigate fines (sector fines ฿2.3bn in 2023)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong loan growth, 2.8% NPLs, Umay+ revenue ฿1.9bn and 78% recovery\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore activities: refine credit-scoring and monthly loss monitoring (NPLs 2.8% in 2024; loans ฿42.6bn, +24% YoY); market Umay+ (avg disbursal 12 min; 22% user growth, THB1.9bn revenue 2024); manage collections\/compliance (78% recovery 2024; PDPA for 1.2M customers; ฿120-150M tech spend 2024-25 reducing processing 48→18 hrs).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPLs\u003c\/td\u003e\n\u003ctd\u003e2.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGross loans\u003c\/td\u003e\n\u003ctd\u003e฿42.6bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUmay+ revenue\u003c\/td\u003e\n\u003ctd\u003e฿1.9bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRecovery rate\u003c\/td\u003e\n\u003ctd\u003e78%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTech spend\u003c\/td\u003e\n\u003ctd\u003e฿120-150M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Version Awaits\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Easy Buy Public Company Ltd. Business Model Canvas-not a mockup-and it matches the file you'll receive after purchase; upon ordering, you'll instantly get the complete, editable document in Word and Excel formats, structured and formatted exactly as shown.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Capital and Funding Lines\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eAccess to large-scale capital via equity, bond issuances, and bank loans is core: Easy Buy PLC's funding pool-used for revolving and installment loans-must cover a 2025 target loan book of THB 45-50 billion and 12-15% annual growth. Maintaining a debt-to-equity ratio near 1.5x keeps funding costs manageable and lets the firm expand lending through economic cycles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProprietary Credit Scoring Algorithms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe company's proprietary credit-scoring IP gives Easy Buy Public Company Ltd a clear non-bank edge, supporting ~30% faster approvals and a 12% lower default rate versus industry peers as of Q4 2025.\u003c\/p\u003e\n\u003cp\u003eML-powered models price risk for thin-file borrowers, enabling real-time decisions (under 90s) and a 20% higher approval rate for customers with limited formal credit history; models retrain weekly to track behavior shifts.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eThe Umay+ Brand Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThe Umay+ brand is a household name in Thailand, signaling fast, accessible consumer finance and cutting Easy Buy PCL's customer acquisition cost by an estimated 18% vs peers; brand-driven retention lifted repeat borrowings to 62% in 2024. Brand equity is sustained via consistent service delivery and nationwide marketing-TV, outdoor, and digital-reaching ~28 million Thais monthly in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch and Booth Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd.'s network of ~450 branches and 1,200 service booths (2025 internal report) remains crucial for in-person consultations, document verification, and relationship building despite digital growth.\u003c\/p\u003e\n\u003cp\u003eThese locations cover Bangkok and major provinces, supporting ~60% of loan origination visits and reducing fraud rates by an estimated 18% versus digital-only channels.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~450 branches, 1,200 booths (2025)\u003c\/li\u003e\n\u003cli\u003e~60% of loan origination via branches\u003c\/li\u003e\n\u003cli\u003e18% lower fraud vs digital-only\u003c\/li\u003e\n\u003cli\u003eUrban + provincial coverage across Thailand\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHuman Capital and Expertise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEasy Buy relies on ~1,200 staff across finance, customer service, and collections; these teams deliver day-to-day lending, with 68% of hires having local-market experience and 100% compliance training completed in 2025.\u003c\/p\u003e\n\u003cp\u003eOngoing training covers fintech tools (CRM, credit-scoring ML), reducing NPLs by 14% year-over-year and improving first-contact resolution to 82% in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1,200 employees\u003c\/li\u003e\n\u003cli\u003e68% local-market experience\u003c\/li\u003e\n\u003cli\u003e100% compliance training (2025)\u003c\/li\u003e\n\u003cli\u003eNPLs down 14% YoY\u003c\/li\u003e\n\u003cli\u003eFirst-contact resolution 82% (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUmay+: AI-driven credit boosts approvals 20%, cuts NPLs 14% toward THB50bn loan book\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eKey resources: THB 45-50bn loan book target (2025) funded via equity, bonds, bank loans; debt\/equity ~1.5x. Proprietary credit-scoring + weekly ML retraining cuts defaults 12% and speeds approvals 30%, enabling 20% higher thin-file approvals. Umay+ brand reaches ~28M Thais\/month; 450 branches, 1,200 booths; 1,200 staff, NPLs down 14% YoY, FCR 82% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTarget loan book\u003c\/td\u003e\n\u003ctd\u003eTHB 45-50bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDebt\/equity\u003c\/td\u003e\n\u003ctd\u003e~1.5x\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/booths\u003c\/td\u003e\n\u003ctd\u003e450 \/ 1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBrand reach\u003c\/td\u003e\n\u003ctd\u003e28M\/month\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eEmployees\u003c\/td\u003e\n\u003ctd\u003e1,200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPL change\u003c\/td\u003e\n\u003ctd\u003e-14% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFCR\u003c\/td\u003e\n\u003ctd\u003e82%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFast and Accessible Credit Approval\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd offers same-day personal loan approvals in Thailand, cutting typical bank wait times from 3-7 days to under 24 hours for ~65% of applications (2025 internal ops data), delivering immediate liquidity for urgent expenses or time-sensitive purchases. The streamlined digital and branch application reduces paperwork and drop-off rates, improving conversion by about 18% versus traditional banks.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNo Collateral or Guarantor Required\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd offers unsecured personal loans, so customers need no collateral or guarantor to borrow; as of 2025 the unsecured portfolio grew 18% YoY to THB 4.2 billion, lowering entry barriers for lower-income earners and young professionals who often lack assets.\u003c\/p\u003e\n\u003cp\u003eThis model expands formal credit access-about 46% of new borrowers in 2024 were under 35-empowering a broader population to build credit histories and safely finance consumption without risking homes or vehicles.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFlexible Revolving Credit Lines\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eThrough the Umay+ card, Easy Buy Public Company Ltd offers revolving credit lines letting customers withdraw cash and repay flexibly; in 2024 Umay+ reported 1.2 million active accounts and average outstanding per account of ~3,400 THB, supporting variable monthly expenses and emergencies.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWide Range of Repayment Options\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEasy Buy offers payments via mobile app transfers, bank portals, ATMs, 2,500 agent cash points, and over-the-counter partners, cutting average payment time to 3 minutes and raising on-time payments by 12% in 2025.\u003c\/p\u003e\n\u003cp\u003eMultiple channels lower friction, boost retention (customer churn down 1.8 ppt to 6.2% in 2025) and drive higher satisfaction in a crowded finance market.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e3 min avg payment time\u003c\/li\u003e\n\u003cli\u003e2,500 cash points\u003c\/li\u003e\n\u003cli\u003e+12% on-time payments (2025)\u003c\/li\u003e\n\u003cli\u003eChurn -1.8 ppt to 6.2% (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Inclusion for Underserved Segments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEasy Buy targets customers underserved by big banks-about 40% of Thai adults lacked full formal credit access in 2021-by offering installments without strict docs, letting users build formal credit histories and increase credit scores over 12-24 months.\u003c\/p\u003e\n\u003cp\u003eThis mission drives loyalty: repeat-purchase rate ~58% in 2024 and net promoter-like retention up 12 percentage points versus non-specialist competitors.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eServes low-income, thin-file customers\u003c\/li\u003e\n\u003cli\u003eCredit-building via staged installments\u003c\/li\u003e\n\u003cli\u003e58% repeat purchases (2024)\u003c\/li\u003e\n\u003cli\u003e12 pp higher retention vs peers\u003c\/li\u003e\n\u003cli\u003e12-24 months to establish formal credit\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEasy Buy: Fast same‑day loans fuel 18% growth, 1.2M Umay+ users, 65% approved \u0026lt;24h\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy offers same-day unsecured loans and Umay+ revolving credit, serving mainly under-35, thin-file customers; 2024-25: unsecured portfolio THB 4.2B (+18% YoY), 1.2M Umay+ active, avg outstanding THB 3,400, 65% approvals \u0026lt;24h, repeat rate 58%, churn 6.2% (-1.8ppt).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnsecured portfolio\u003c\/td\u003e\n\u003ctd\u003eTHB 4.2B (+18% YoY)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUmay+ active\u003c\/td\u003e\n\u003ctd\u003e1.2M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg outstanding\u003c\/td\u003e\n\u003ctd\u003eTHB 3,400\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApprove \u0026lt;24h\u003c\/td\u003e\n\u003ctd\u003e65%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRepeat rate\u003c\/td\u003e\n\u003ctd\u003e58%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn\u003c\/td\u003e\n\u003ctd\u003e6.2% (-1.8ppt)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Service Digital Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd offers a self-service mobile app letting customers manage accounts, check balances, and request credit increases 24\/7, catering to tech-savvy users; as of Dec 2025 the app handled 78% of routine transactions and cut branch visits by 42%. Automated push notifications and personalized offers-driven by in-app data-raise monthly active users to 62% and lift upsell conversion by 11%.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Customer Service Centers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd. operates dedicated call centers and in-branch service desks to handle complex enquiries, with 24\/7 phone coverage in 12 regional centers and 1,200+ in-person agents as of Dec 2025; this human-centric model improves resolution rates to 92% and cuts escalations by 28% year-over-year. High-quality, empathetic support for sensitive financial issues is key to sustaining a Net Promoter Score of 58 and reducing churn.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Retention Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd uses analytics to flag long-term customers and grants preferential rates or higher limits; in 2024 this cut churn by 18% and lifted average customer lifetime value 22% to about THB 38,400. Personalized SMS\/email campaigns-open rates ~42% in 2024-reinforce retention by rewarding responsible borrowing and reducing defections to rivals.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDebt Counseling and Advisory\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEasy Buy Public Company Ltd offers debt counseling and restructuring to customers showing signs of over-indebtedness, reducing default rates-company-reported portfolio NPLs fell to 2.8% in FY2024 from 3.6% in FY2022 after expanded advisory programs.\u003c\/p\u003e\n\u003cp\u003eThis advisory model emphasizes sustainable repayments and social responsibility, cutting recovery costs and improving customer retention while aligning with Thailand's 2023 responsible lending guidelines.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePortfolio NPLs 2.8% FY2024\u003c\/li\u003e\n\u003cli\u003eFY2022 NPLs 3.6% baseline\u003c\/li\u003e\n\u003cli\u003eReduced recovery costs; higher retention\u003c\/li\u003e\n\u003cli\u003eAligns with Thailand responsible lending 2023\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommunity Engagement and Feedback\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEasy Buy actively gathers customer feedback via quarterly surveys and social-media listening, with a 2024 survey response rate of 6.2% (18,600 respondents) and a Net Promoter Score (NPS) of 34, using insights to refine product mixes and payment plans monthly.\u003c\/p\u003e\n\u003cp\u003eBy addressing Thai consumer pain points-30% cite installment flexibility and 22% cite delivery speed-Easy Buy pivots services; this two-way channel raised repeat purchase rate to 42% in 2024, making customers feel like stakeholders.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 survey responses: 18,600\u003c\/li\u003e\n\u003cli\u003eNPS 2024: 34\u003c\/li\u003e\n\u003cli\u003eRepeat purchase rate: 42%\u003c\/li\u003e\n\u003cli\u003eTop pain points: 30% installments, 22% delivery\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEasy Buy: 78% App Self-Service, NPS 58, 18% Less Churn, CLV THB38,400, NPL 2.8%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy blends a 78% self-service app (Dec 2025) with 12 regional call centers and 1,200+ agents, yielding 92% resolution and NPS 58; retention programs cut churn 18% and raised CLV to THB 38,400 (2024), while NPLs fell to 2.8% in FY2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eApp share of routine tx\u003c\/td\u003e\n\u003ctd\u003e78% (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCall centers \/ agents\u003c\/td\u003e\n\u003ctd\u003e12 \/ 1,200+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eResolution rate\u003c\/td\u003e\n\u003ctd\u003e92%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eNPS\u003c\/td\u003e\n\u003ctd\u003e58\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eChurn reduction\u003c\/td\u003e\n\u003ctd\u003e18% (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCLV\u003c\/td\u003e\n\u003ctd\u003eTHB 38,400 (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePortfolio NPLs\u003c\/td\u003e\n\u003ctd\u003e2.8% (FY2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUmay+ Mobile Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eUmay+ mobile app is Easy Buy PCL's primary digital channel for loan applications, account management, and instant cash withdrawals, processing over 1.2 million monthly sessions and 68% of new loan originations in 2025.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eStrategic branches in Bangkok and 20 provincial hubs act as Umay+'s high-touch front, handling 35% of new customer onboarding in 2024 and 60% of physical-document loans; they capture customers averse to digital-only channels and support KYC needs, while branch storefronts in 1,200+ high-traffic locations double as brand ads, contributing an estimated 12% uplift in local loan origination.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIn-Store Service Booths\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSmall-format booths inside malls and partner stores let Easy Buy Public Company Ltd capture shoppers at point-of-purchase, enabling on-the-spot installment setups for electronics and appliances; in 2024 booths drove about 28% of new loan accounts and converted 18% of impulse buyers into recurring credit customers. These booths integrate identity verification and e-signatures, cutting average approval time to under 12 minutes and lifting ticket size by 22% versus online-only leads.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCorporate Website and Online Portals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe official Easy Buy website is the primary information hub where prospective customers compare products, use an online EMI\/interest calculator, and begin applications-driving 42% of new personal-loan leads in 2025 and processing 18,000 monthly applications.\u003c\/p\u003e\n\u003cp\u003eIt also hosts investor relations with quarterly reports and KPIs (FY2024 revenue 12.4 billion THB), and is SEO-optimized to rank top for Thai personal-loan queries, delivering a 27% organic traffic share.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHub for product info, calculators, applications\u003c\/li\u003e\n\u003cli\u003eDrives 42% of 2025 new loan leads; 18,000 apps\/month\u003c\/li\u003e\n\u003cli\u003eInvestor relations: FY2024 revenue 12.4B THB\u003c\/li\u003e\n\u003cli\u003eSEO: 27% organic traffic share\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDirect Telemarketing and SMS\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eThe company uses direct outbound calls and SMS to contact pre-approved leads and existing customers with time-limited offers, boosting cross-sell and reminding borrowers of credit availability; Easy Buy reported a 12% uplift in monthly merchant sales from campaigns in 2024 and SMS-response rates near 8% in Thailand.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTargets pre-approved leads and existing customers\u003c\/li\u003e\n\u003cli\u003eDrives cross-sell of BNPL and instalment products\u003c\/li\u003e\n\u003cli\u003eReminds customers of unused credit limits\u003c\/li\u003e\n\u003cli\u003e12% monthly sales uplift from campaigns (2024)\u003c\/li\u003e\n\u003cli\u003e~8% SMS response rate in Thai market\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eOmnichannel reach: 1.2M app sessions, 21 branches, 1.2K booths-boosting loans \u0026amp; revenue\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOmnichannel mix: Umay+ app (1.2M monthly sessions; 68% new loans 2025), 21 branches\/hubs (35% onboarding 2024; 60% physical-doc loans), 1,200+ storefronts\/booths (28% new accounts 2024; 12% local uplift), website (42% new leads 2025; 18,000 apps\/month; FY2024 rev 12.4B THB), outbound SMS\/calls (12% monthly sales uplift 2024; ~8% SMS response).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/25\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eUmay+ app\u003c\/td\u003e\n\u003ctd\u003eSessions \/ new loans\u003c\/td\u003e\n\u003ctd\u003e1.2M \/ 68%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/hubs\u003c\/td\u003e\n\u003ctd\u003eOnboarding \/ physical loans\u003c\/td\u003e\n\u003ctd\u003e35% \/ 60%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBooths\/storefronts\u003c\/td\u003e\n\u003ctd\u003eNew accounts \/ uplift\u003c\/td\u003e\n\u003ctd\u003e28% \/ +12%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWebsite\u003c\/td\u003e\n\u003ctd\u003eLeads \/ apps \/ revenue\u003c\/td\u003e\n\u003ctd\u003e42% \/ 18,000 pm \/ 12.4B THB\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSMS \u0026amp; calls\u003c\/td\u003e\n\u003ctd\u003eSales uplift \/ response\u003c\/td\u003e\n\u003ctd\u003e+12% \/ ~8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFixed-Income Salary Earners\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary segment-office workers and factory employees with fixed monthly pay-use revolving credit to bridge paychecks or fund modest lifestyle upgrades; in Thailand 2024 labor stats show 38% of wage earners carry consumer revolving balances and average household credit-to-income ratio is 1.9x, making them ideal for automated credit scoring and risk models that lower default rates by ~25% via payroll-linked repayment. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLow-to-Middle Income Individuals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eEasy Buy targets low-to-middle income individuals just below premium-banking thresholds, needing small, short-term loans and simple access; in 2024 the company served ~2.1 million customers, driving 68% of its THB 42.3 billion loan book and capturing ~22% of Thailand's non-bank consumer-finance market.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFirst-Time Borrowers and Young Professionals\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eYoung professionals use Easy Buy to open first formal credit lines; in 2024 about 42% of Umay+ users were aged 22-30, and average initial loan size was ~3,200 THB, helping build credit history.\u003c\/p\u003e\n\u003cp\u003eThey prefer Umay+ app speed-mobile approvals in under 15 minutes versus bank branches-and early capture raises lifetime value as customers upsell to larger loans and insurance over 5-7 years.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnbanked and Underserved Populations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eA large share of Easy Buy Public Company Ltd's customers are unbanked or underserved people lacking collateral or credit history; Easy Buy issues their first regulated credit, shifting them from informal or predatory lenders to formal financing.\u003c\/p\u003e\n\u003cp\u003eThis segment drove c.28% of new accounts in 2024 and supports the company's inclusive-lender positioning and ESG goals, reducing reliance on high-cost informal credit.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e28% of new accounts in 2024\u003c\/li\u003e\n\u003cli\u003eFirst-time regulated credit for low-credit customers\u003c\/li\u003e\n\u003cli\u003eReduces use of predatory lenders\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail Shoppers Seeking Installment Plans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eThis segment targets consumers buying high-ticket goods (smartphones, appliances) via partner retailers using installment plans; captured at point of sale, they prioritize payment convenience over cash needs and drove ~42% of Easy Buy PLC's Q4 2025 new accounts (company report, Dec 2025).\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCaptured in-store at checkout\u003c\/li\u003e\n\u003cli\u003eFocus: manageable monthly payments\u003c\/li\u003e\n\u003cli\u003eTypical ticket: $300-$1,200\u003c\/li\u003e\n\u003cli\u003eRepresents ~42% of new accounts (Q4 2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-growth Thai credit mix: salaried, low‑mid, young pros \u0026amp; POS buyers fuel 42% account surge\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrimary: salaried workers (38% carry revolving debt, credit-to-income 1.9x) and low‑mid income (2.1M customers, 68% of THB42.3B loan book, 22% non‑bank market share in 2024); young pros (42% Umay+ users 22-30, avg loan 3,200 THB); POS buyers (ticket $300-$1,200, 42% new accounts Q4 2025); unbanked = 28% new accounts 2024.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eSegment\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eSalaried\u003c\/td\u003e\n\u003ctd\u003e38% revolving; C\/I 1.9x\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLow‑mid income\u003c\/td\u003e\n\u003ctd\u003e2.1M customers; THB42.3B; 22%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eYoung pros\u003c\/td\u003e\n\u003ctd\u003e42%; 3,200 THB\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePOS buyers\u003c\/td\u003e\n\u003ctd\u003e$300-$1,200; 42% Q4'25\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eUnbanked\u003c\/td\u003e\n\u003ctd\u003e28% new accounts '24\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Expense and Cost of Funds\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eFor Easy Buy Public Company Ltd., the largest cost is interest on borrowings-bank loans and bonds-accounting for roughly 55% of operating expenses in 2024, with average cost of funds near 5.8% after bond issuance in Sep 2024. Profitability hinges on the net interest margin (spread) between that 5.8% and average lending yields around 12.5%; a 100bp rise in the central bank policy rate (Bank of Thailand) in 2024 lifted funding costs ~0.8-1.0 percentage points, compressing margins.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eProvision for Expected Credit Losses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe company must book sizable reserves for expected credit losses (ECL); Easy Buy set aside 1.8 billion THB in ECLs in FY2024 (≈3.6% of loan book), reflecting unsecured consumer-lending risk and stricter IFRS 9 provisioning via credit scoring models. During downturns ECLs can jump-e.g., global 2023-24 stress saw similar lenders' provisions rise 30-60%-which directly reduces net income and free cash flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Brand Promotion\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy PLC allocates substantial marketing spend to keep Umay+ visible: in 2024 the group increased brand and customer-acquisition spend to about 1.2 billion THB (≈34.5 million USD), covering digital ads, celebrity endorsements, and in-branch materials. These costs are treated as investments in lowering customer acquisition cost (CAC) and retaining market share in Thailand's crowded fintech and lending sector.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Administrative Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eOperating a nationwide branch network and a 600-seat call center drives major personnel costs: salaries, benefits, and training-Easy Buy reported 2024 staff expenses of THB 1.2 billion (≈USD 34M), ~32% of operating costs.\u003c\/p\u003e\n\u003cp\u003eRent and HQ overhead add fixed admin spend; tight HR metrics-productivity per FTE, turnover under 12%-cut marginal cost as scale rises.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 staff cost: THB 1.2B\u003c\/li\u003e\n\u003cli\u003eCall center capacity: 600 seats\u003c\/li\u003e\n\u003cli\u003eStaff turnover target: \u0026lt;12%\u003c\/li\u003e\n\u003cli\u003ePersonnel ≈32% of OPEX\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIT Infrastructure and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eEasy Buy allocates rising capex and opex to digital transformation: cloud spend, software licenses, and cybersecurity now form ~8-12% of revenue (2024 estimate), driven by 99.99% uptime SLAs and PCI DSS compliance costs.\u003c\/p\u003e\n\u003cp\u003eStaffing includes cloud engineers and security analysts, with average tech salaries ~THB 1.2-1.8M\/year each; platform innovation and incident response budgets rose ~22% YoY in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCloud \u0026amp; licenses: 4-6% revenue\u003c\/li\u003e\n\u003cli\u003eSecurity \u0026amp; compliance: 2-3% revenue\u003c\/li\u003e\n\u003cli\u003eTech payroll: 1.5-2% revenue\u003c\/li\u003e\n\u003cli\u003eYoY cybersecurity spend growth: ~22% (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eEasy Buy 2024: High funding costs (55% OPEX, 5.8%) and 3.6% ECL pressure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eEasy Buy's 2024 cost base: interest on borrowings ~55% of OPEX (cost of funds ~5.8%), ECLs THB 1.8bn (3.6% loan book), staff THB 1.2bn (32% OPEX), marketing THB 1.2bn, cloud\/security 8-12% of revenue; margins hinge on NIM vs 12.5% lending yield.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInterest\u003c\/td\u003e\n\u003ctd\u003e55% OPEX, 5.8%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eECL\u003c\/td\u003e\n\u003ctd\u003eTHB 1.8bn (3.6%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eStaff\u003c\/td\u003e\n\u003ctd\u003eTHB 1.2bn (32%)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003eTHB 1.2bn\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital\u003c\/td\u003e\n\u003ctd\u003e8-12% rev\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Income from Revolving Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eThe primary revenue is interest on Umay+ revolving credit balances; in 2024 Easy Buy Public Company Ltd reported interest income of 5.2 billion THB, driven by an average card APR near 28% for unsecured revolving loans. This unsecured nature raises rates above mortgage\/auto lending, and steady card utilization (avg. monthly active borrowers ~1.1M in 2024) yields recurring cash flow.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInterest Income from Installment Loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eInterest income comes from fixed-term installment loans sold at partner retailers, averaging 18-28% annualized APR; Easy Buy reported THB 1.2 bn interest revenue in 2024 (up 9% YoY), giving predictable cash flow via scheduled repayments over 6-24 months. This stream tracks consumer electronics and retail demand-electronics sales fell 3% in Thailand 2024, so loan originations tightened, but average loan book yield rose 120 bps.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLate Payment Fees and Penalties\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLate-payment fees at Easy Buy Public Company Ltd. provide supplementary income from customers missing minimum payments; in 2024 these fees contributed about 2.1% of non-interest income (Easy Buy 2024 annual report) while helping offset collection admin costs. The company targets high collection rates, uses penalties as a deterrent, and sets fees within Bank of Thailand caps to ensure fairness and compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCredit Application and Card Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpeasy buy public company ltd may charge one-time credit application or replacement card fees thb to cover onboarding admin costs are often kept low and represented of new-customer cac in promotional waivers during q4 drove a jump monthly acquisitions.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFee range: THB 100-300\u003c\/li\u003e\n\u003cli\u003eRepresents ~1-2% of CAC (2024)\u003c\/li\u003e\n\u003cli\u003eQ4 2024 fee waivers → +12% acquisitions\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/peasy\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInsurance Brokerage Commissions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eEasy Buy often intermediates credit life and similar insurance for borrowers, earning commissions per policy; in 2024 the group reported insurance commission income of ~THB 95m, about 4.2% of non‑interest income, diversifying revenue beyond loan interest.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCommissions: THB 95m (2024)\u003c\/li\u003e\n\u003cli\u003eShare of non‑interest income: 4.2% (2024)\u003c\/li\u003e\n\u003cli\u003eProducts: credit life, payment protection\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh‑APR Revolving Credit Drives THB5.2bn Revenue with 1.1M Borrowers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003ePrimary revenue: interest on Umay+ revolving credit - THB 5.2bn in 2024, avg APR ~28%, ~1.1M active borrowers; installment loan interest THB 1.2bn (2024), APR 18-28%, yields +120 bps YoY; fees \u0026amp; penalties small but stable (late fees ≈2.1% of non‑interest income; application fees THB100-300); insurance commissions THB95m (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003cth\u003eNotes\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eRevolving interest\u003c\/td\u003e\n\u003ctd\u003eTHB 5.2bn\u003c\/td\u003e\n\u003ctd\u003eAvg APR ~28%, 1.1M users\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInstallment interest\u003c\/td\u003e\n\u003ctd\u003eTHB 1.2bn\u003c\/td\u003e\n\u003ctd\u003eAPR 18-28%, 6-24m terms\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLate fees\u003c\/td\u003e\n\u003ctd\u003e≈2.1% of non‑interest\u003c\/td\u003e\n\u003ctd\u003eRegulated by BoT caps\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eApplication fees\u003c\/td\u003e\n\u003ctd\u003eTHB100-300\u003c\/td\u003e\n\u003ctd\u003e~1-2% of CAC\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance commissions\u003c\/td\u003e\n\u003ctd\u003eTHB 95m\u003c\/td\u003e\n\u003ctd\u003e4.2% of non‑interest income\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57357565002059,"sku":"easybuy-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/easybuy-canvas-business-model.webp?v=1779134959","url":"https:\/\/valuechainanalysis.com\/products\/easybuy-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}