In 2015, KTB noticed an imminent revolutionary wave in the finance industry and thus established the "Digital Service Meeting" in response to this wave. In 2016, we integrated the company's resources and merged the former "Business Division" into "Digital Service and Channel Management Department" to integrate digital technology with traditional business. In addition, we hold "Digital Service Meeting" every two weeks, where we convene relevant departments to discuss and propose new ideas, new services and new experiences according to different business projects. Nonetheless, bringing more convenient and safer (for relevant mechanisms, please refer to section 3.4 Information Security) financial services to our customers, and delivering heartfelt services through digital tools are our unchanging goals. To this end, we provide a variety of digital platforms that make it easy for business owners and individuals to complete the transactions they want, whether using computers or mobile phones. At the same time, through the patient explanation and active expansion of our staff, we can eliminate the pain points of customers in use, so that customers can truly experience the convenience brought by technology. We can see that customers of KTB are more willing to use digital services year by year. In the future, KTB will continue to introduce more safe and convenient products to bring customers zero-time difference and zero-distance financial services. KTB's achievements in digital services in 2024 are as follows:

Innovative and Intimate Digital Services

Faced with the continuous innovation of digital financial services, the differences among peers are gradually narrowing, and strengthening KTB's digital competitiveness has become the primary issue of the financial industry under the trend of digitalization. We believe that digital competitiveness lies not only in the provision and innovation of products, but also in "digital inclusion." In particular, we have a large number of customers in the central and southern regions. We are more aware of the digital divide caused by age and place of residence, as well as the concerns and considerations of customers when they actually use digital services. Therefore, KTB's concepts of designing digital products are focused on a digital platform that can provide customers with all-rounded services, so as to satisfy customers' needs, improve business efficiency, create unique values, and promote the transformation toward digital finance.

To further reduce customers’ application time and cost, we have placed a strong emphasis on optimizing digital processes by streamlining application procedures and enhancing automation efficiency. For example, by leveraging digital identity verification and real-time data synchronization technologies, we have significantly reduced the need for manual data entry and review. In addition, we introduced online appointment scheduling and self-service functions, allowing customers to initiate applications at their convenience. This eliminates long wait times and unnecessary in-person visits, greatly shortening the overall processing time and reducing operational costs for customers. These measures will effectively enhance customer experience while strengthening our competitiveness in the market. Further, the implementation status of relevant digital and customer-friendly services is compiled into a report on a weekly basis and submitted to senior managerial officers (Vice Chairman, President) for review. Additionally, a "Digital Services Meeting" is convened biweekly to supervise and track the progress of implementation, ensuring the smooth promotion of various services and products.