Kiatnakin Bank Launches 'KKP Better': A Mobile Banking Application for Intelligent Financial Planning

Strategic Insights -

Kiatnakin Bank Public Company Limited has introduced 'KKP Better,' a new mobile banking application designed to become an intelligent financial planning assistant for its customers. The application, aimed at helping customers achieve their life goals through "Purpose-Driven Banking," incorporates advanced features to understand diverse financial needs and provide user-friendly UX/UI experience. KKP Better offers 5 smart features: Smart Savings, Smart Loan, Smart Insurance, Smart Investment, and Smart Planning, aiming to enhance Thai people's finances in every aspect.

Key Takeaways:

  • KKP Better is a new mobile banking application designed to become an intelligent financial planning assistant for Kiatnakin Bank customers.
  • The application is a replacement for KKP MOBILE and focuses on "Purpose-Driven Banking" to help customers achieve their life goals.
  • KKP Better offers 5 smart features: Smart Savings, Smart Loan, Smart Insurance, Smart Investment, and Smart Planning.
  • Smart Savings highlights the advantages of the KKP SAVVY savings product, offering high interest rates with a special "Better Bonus" rate for long-term deposits.
  • Smart Loan offers a revolving personal loan product with quick approval results and competitive interest rates for necessary expenses.
  • Smart Insurance provides insurance products from Generali (Thailand) that are tailored to each customer's age range, needs, and budget.
  • Smart Investment offers fee-free E-Class funds with a range of risk levels and investment goals managed by experienced experts.
  • Smart Planning enables customers to divide their wallets into "boxes" based on different spending purposes without opening multiple accounts.
  • The application aims to enhance Thai people's finances by fostering savings discipline, providing access to quality loans, and debt management.
  • KKP Better targets an average three-month emergency reserve and a 10% annual asset growth for customers.
  • The application addresses nationwide financial challenges, with the Bank of Thailand indicating 90% of savings accounts hold less than 50,000 baht, and 48% have less than one month's emergency reserve.
  • The application's digital system aims to increase personal loans to 100,000 accounts without income document submissions.
  • KKP Better also aims to help customers manage debt to no more than 50% of their monthly income.

Statistics:

  • Over 90% of Thai savings accounts hold less than 50,000 baht (Bank of Thailand data).
  • Over 48% of Thai savings accounts have less than one month's emergency reserve (Bank of Thailand data).
  • The KKP Mobile application has been downloaded more than 3.1 million times.
  • KKP Better aims to reach 10 million downloads and 5 million users within 3 years.
  • The application targets an average three-month emergency reserve for customers.
  • The application aims to grow customers' assets by an average of 10% per year.

Sources:

  • Thai News Agency, October 30, 2025.
  • Bank of Thailand (unspecified data).