he Paotang app from Infinithus by Krungthai has partnered with the blueplus+ app from OR to offer a special year-end promotion with a double reward for new users

The Paotang app from Infinithus by Krungthai has partnered with the blueplus+ app from OR to offer a special year-end promotion with a double reward for new users to upgrade their digital lifestyle at full speed. Get a drink each!* Simply sign up for a blueplus+ membership through the Paotang app and receive 250 bluepoints, equivalent to 50 baht, to redeem for a free Caf? Amazon drink. You'll also receive an additional 50 baht discount coupon when you sign up for Paotang Pay for the first time. This is perfect for both value-conscious users and cafe lovers looking for a great year-end deal that you shouldn't miss. This special double promotion is available for New users on the blueplus+ app via the Paotang app can join from December 3, 2025, to January 31, 2026.*

Paotang and blueplus+ offer a new experience by connecting the Paotang app's membership system, making it easier to sign up and then instantly redeem points on the blueplus+ app. We're also offering a special year-end promotion with up to two benefits!*

Bonus 1: Receive 250 bluepoints when you sign up for a blueplus+ membership via the Paotang app and log in to the blueplus+ app for the first time.** From December 3, 2025, to January 31, 2026, customers who sign up for a blueplus+ membership via the Paotang app and log in to the blueplus+ app for the first time will receive 250 bluepoints (equivalent to 50 baht, redeemable for a free drink worth 50 baht at all Caf? Amazon branches throughout the promotional period).

Bonus 2: Receive a 50 baht discount coupon*** when you sign up for Paotang Pay for the first time on the Paotang app and successfully verify your identity. From November 16, 2025, to December 31, 2025, discount coupons can be used for transactions, bill payments, mobile top-ups, credit bureau checks, or scan-to-pay at participating Tung Ngern merchants and pay with Pao Tang Pay Wallet.

*Terms and conditions apply to the bank and company. **Blueplus+ Bluepoints will be earned within 24 hours after first logging into the Blueplus+ app and can be used the following day. Limited to 1 right per person and the first 500,000 rights total for the entire promotion period, unless the specified number of rights is reached before the end of each promotion period. ***Limited to 1 right per customer for the entire promotion period.

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Ms. Supaneewan Chutrakul, Executive Chairman of KASIKORN INVESTURE COMPANY LIMITED (KIV), said that KIV is a holding company under KASIKORN FINANCIAL CONGLOMERATE, established to invest in businesses that help enhance its flexibility in providing financial services to small retailers. One of the major challenges found among small retailers is their limited access to funding sources for trade, daily expenses, or debt repayments, forcing many of them to rely on informal loans with high interest payments. With this in mind, KIV has invested in companies that can empower small entrepreneurs to grow their businesses, generate income, and repay debts efficiently, especially during Thailand’s economic slowdown. KIV has partnered with strategic allies to enhance financial service accessibility, focusing on quality lending for small retailers to continue their businesses, generate more income and repay debts, while ensuring responsible and fair lending practices.

KIV has therefore invested in LENDNOVATE COMPANY LIMITED, a company within KASIKORNBANK FINANCIAL CONGLOMERATE, which specializes in AI and technology, and operates a lending business catering to small retailers. Stock Vyvr offers credit lines for purchasing raw materials and stocking inventory for small retailers. Payment can be made via QR code scan or transfer to participating wholesalers or manufacturers. Customers can apply for the loan, with no collateral required, through the Vyvr application – a lending app designed for small retailers, restaurants, and other micro-entrepreneurs, with identity verification made through K PLUS. No upfront fees, annual fees, or first-time loan drawdown fees will be applied. Ms. Athita Pureetip, Chief Executive Officer of LENDNOVATE COMPANY LIMITED, added that the company’s mission is to develop lending products and services leveraging AI and digital technology to comprehensively address funding needs. Stock Vyvr is an innovative credit solution that facilitates small retailers’ access to financing for purchasing raw materials or expanding their businesses. Applications can be completed independently.

In addition to closely collaborating with KIV, LENDNOVATE has partnered with leading companies including manufacturers, raw material suppliers, and nationwide distributors across various product categories such as beverages and consumer goods. These include TCP Group’s Durbell Company Limited, Central Food Wholesales Ltd., a subsidiary of Central Retail Corporation Public Company Limited, CP Axtra Public Company Limited, DMDL Public Company Limited under the Dutch Mill Group, Platform Rakmao, and BONCAFE (THAILAND) Company Limited. This collaborative effort aims to enable small retailers and independent vendors to operate smoothly by providing them with credit lines for inventory purchases. The company anticipates playing a key role in supporting micro-entrepreneurs in running their businesses seamlessly and sustainably.

Applicants must be Thai nationals aged 20-70 years, operating as small retailers, business owners, resellers, or purchasers of raw materials for business purposes. The loan can be applied for without collateral exclusively through the Vyvr application (currently available for Android and iOS users), with identity verification via K PLUS. The applicable interest rate is 25–33% per annual, calculated on an effective interest rate method. No interest is charged when the credit line is not utilized, allowing customers to maintain flexible working capital for their business operations. For more details, please visit https://www.vyvr.co

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Mr. Charat Rattanaboonniti , President of Export-Import Bank of Thailand (EXIM Thailand), revealed that 2025 marks another year in which Thai exports have returned to strong growth and continue to serve as a key engine of the Thai economy, with total exports expected to expand by no less than 10%. Nevertheless, structural challenges within Thailand’s export sector remain a pressing concern, particularly the imbalance between the “number of exporters” and “overall export value.” While SME exporters account for nearly 80% of all exporters, they contribute only around 10% of total export value. In contrast, large corporates, representing around 20% of exporters, generate more than 90% of total export value. A review of the financial system further reflects this structural imbalance.

Large enterprises receive nearly 70% of total business loans, while SMEs account for only 30%, a share that has been declining amid rising risk perceptions. Over the past five years, business loans in the system have expanded by an average of only 0.3% annually, significantly lower than average GDP growth of 2.1%. Looking ahead to 2026, EXIM Thailand forecasts Thai export growth of approximately 0-2%, constrained by global trade tensions, border disputes, exchange rate volatility, and a high comparison base following export front-loading in 2025.

EXIM Thailand President said that, as a specialized financial institution under the supervision of the Ministry of Finance, EXIM Thailand remains committed to serving as a key mechanism in driving the Thai economy. The Bank will support entrepreneurs in adapting to change, strengthening competitiveness, and building a solid foundation for long-term growth through four strategic approaches.

1. Stimulating exports by enabling Thai exporters, particularly SMEs, to expand confidently into new markets through business matching, and alliances in both public and private sectors. Key initiatives include EXIM Export Booster scheme for entrepreneurs affected by trade wars, U.S. reciprocal tariffs, and geopolitical risks, as well as EXIM Safe Trade Credit scheme, export credit bundled with insurance, to enhance risk management and confidence in market expansion. 2. Resolving debt constraints through debt restructuring measures and the management of non-performing but viable loans, helping affected businesses recover, regain stability, and settle obligations more efficiently.

3. Enhancing liquidity via EXIM Loan for Employment, Phase 3, in cooperation with the Social Security Office, to help enterprises maintain employment. This also covers relief and rehabilitation measures for entrepreneurs impacted by crises such as flooding in southern Thailand and border disputes. 4. Investing for the future by supporting financing that drives sustainable outcomes, including Sustainability-Linked Loans and Green X Transformation schemes, to strengthen the capacity of Thai businesses to grow along the green economy pathway and upgrade production toward advanced technologies.

Mr. Charat added that EXIM Thailand has established a dedicated task force to further expand support for Thai exporters and the business sector, encompassing relief and rehabilitation for entrepreneurs affected by the recent flooding in southern Thailand, as well as preparations for future crises. The Bank is committed to fulfilling its role as an Export Co-pilot, standing alongside entrepreneurs as a trusted business partner to help Thai companies penetrate the New Frontiers, increase export value, and enhance competitiveness across the entire supply chain, supported by comprehensive financial solutions and risk management tools for all circumstances. “EXIM Thailand is ready to move forward in close collaboration with the public sector and entrepreneurs across all industries, serving as an Export Co-pilot to support Thai businesses in expanding into global markets and driving the economy in a holistic manner. Our priority is to help reduce current business costs, open up future market opportunities, and lay the foundation for a sustainable economy,” Mr. Charat concluded.

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