กรณีศึกษา ธนาคารออมสิน กำลังดิสรัป ธุรกิจนอนแบงก์ /โดย ลงทุนแมน
ตลอดระยะเวลาที่ผ่านมา..
หนึ่งในความท้าทายของสถาบันการเงินในประเทศไทย
ก็คือการที่บริษัทเทคโนโลยียักษ์ใหญ่จากต่างประเทศ
เริ่มผันตัวเข้าสู่ธุรกิจการเงิน
...Continue ReadingCase study of the piggy bank. Displaying the business to sleep bank / by investing man.
Throughout the past period..
One of the challenges of financial institutions in Thailand.
It's about the big tech companies from foreign countries.
Starting to go into business finance.
This has started to happen in Thailand recently.
Whether it's a loan release from a car app like Grab.
Or Shopee Interest Payment Installment Service
However, players who are originally in financial institutions will also try to break into new business involved.
And one of those players is named a piggy bank..
A piggy bank will enter into a business of releasing loans, pawns, license plates, and personal loans. Normally, these loans will have non-bank financial institutions, aka sleep bank, the main player.
So what challenge is the piggy bank with the same player?
Invest man will tell you about it.
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Recently..
Piggy Bank just appointed a new Director of Bank
It's Mr. Vithai Rattanakorn which is the 17th Director of Bank.
Since the bank was founded for 107 years.
After taking the position of Mr. Witthai Rattanakorn
Well, strategize the piggy bank as Social Bank.
Or full social bank
One of the announced strategies is to bring the piggy bank into the sleep bank business.
Whether it's personal loan, credit card, cash card and car registration loan.
And recently, the piggy bank has just launched a loan, pawn, car and motorcycle registration.
Interesting thing is that banks will lower interest rates to lower than they are in the market.
Which is likely to drop by half or around 10-14 % per annum.
For causes to downgrade, the bank reasoned that the pawn-license type loan is the source.
Another loan that the foundation citizens or low income people use the service.
While what was still a problem all the time, the people foundations didn't reach the loan in the system.
And loans from outside the system with interest rate of 40-50 % per annum
And even if some people have access to the loan in the system, we will find out that the interest rate sleeps the bank.
Still slightly higher than average commercial bank interest rate.
So how high is the sleep bank business interest rate ceiling?
16 % credit card interest
25 % cash press card interest
24 % interest pawn car license plate
Each company has different interest rates.
For example,
MTC and SAWAD business, pawn, license plate.
A slightly lower interest rate charge below the highest ceiling.
While credit card companies like KTC and AEONTS score interest rates at highest ceiling.
Surely if the piggy bank issued a loan at a lower interest rate than the market.
It's going to put pressure on other players in the system to tend to lower interest rates to compete with piggy banks.
That means the profits of these companies will decrease in the long term.
And that will lead to a fundamental assessment of the company's value that has changed from the same.
However, the issue is still mindful is risk management under lower interest rates.
How does the piggy bank have a criteria for recruiting debtors and controlling the amount of debt?
This is also one interesting move.
Because the business of sleeping bank is a business that enjoys interest rate and high loan.
While financial costs are low because of interest, the policy has been low for a long time.
In the past, no one dare to reduce the interest collected from customers.
There are only banks of Thailand with supervisory duties. Order to reduce interest ceiling.
And of course, it's a piggy bank sleepout business this year.
It will become another challenge that these companies have to face. No more or less..
╔═══════════╗
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At the moment, update the situation in the video article form.
Including podcasts to listen on the go.
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References
- The official website of the Piggy Bank.
- Bank of Thailand
-https://www.thairath.co.th/news/business/finance-banking/1907432
-https://www.bangkokbiznews.com/news/detail/890908Translated
同時也有3部Youtube影片,追蹤數超過3萬的網紅Pat Kay,也在其Youtube影片中提到,In this Adobe Lightroom editing tutorial, let's talk about one of the most criminally underused tools—The Calibration Tool. Your editing will be chan...
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🛫 ใครคุ้ม ใครไม่คุ้ม กับ AirAsia Unlimited Pass
😎 เป็นประเด็นที่ถกเถียงกันเยอะมากทั้งบนเพจติดโปรและเพจอื่นๆ บางคนบอกคุ้มมาก จองไปแล้ว 10 เที่ยว แต่ก็มีบางคนบอกไม่คุ้มเลย จองแบบปกติดีกว่า ไม่ขอเสี่ยง วันนี้แอดมินจะมาเล่าสู่กันฟัง ว่าข้อดีข้อเสียของพาสนี้คืออะไรและตอบโจทย์ใครบ้าง
....
Continue Reading🛫 Who is worth it? Who is not worth it with AirAsia Unlimited Pass.
😎 It's a lot of controversial issues. Both on the pro page and other pages. Some people say it's worth it. I have reserved 10 travel. But someone said it's not worthwhile. Reserve normally. Better not risk today. Admin. I will tell you about what the advantages of this pastel are and who answers the problem.
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#ขอเริ่มที่ข้อดีก่อนเลย
1. AirAsia Unlimited Pass can fly unlimited. Fly all routes in the country. Whether it's flying out of Bangkok or flying into Bangkok, including flying across sectors which are in many routes.
2. Provide travel time is 20 July-17 December 2563 Overall, around 5 months, average 600 Baht per month.
3. Choose to fly Friday, Saturday, Sunday. It's suitable for those who work on a day. We will fly to Saturday and Sunday. If it doesn't match the long holiday that the airline doesn't reserve. When you watch, there will be a weekend (F-A) that Got all 14 weeks
4. Many people wonder if there is a limit on the number of seats. Will it be similar to redemption of miles? From the answer, if it's not a travel day (around 44 days). You can reserve all flights, all routes and all booking prices. Until it's full, such as A320 plane. There are 180 seats. You can use buffet tickets for all 180 seats. As long as the airline is open for that flight, normal people can buy. People with buffet passengers. I can still reserve it.
5. Once the ticket reservation is completed and cannot be traveled on the booking date, the ticket will not be immediately disqualified. The airline will give 3 chances not to travel or leave the ticket. If the 4st time will be cancelled. Immediately, this condition is to prevent other reserved people.
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#มีข้อดีก็ย่อมมีข้อเสีย
1. Must reserve at least 21 days before travel. For example, if you book today (30 June), you can choose to travel asap July 21th. If you fly quickly, you can't make reservation.
2. There are days that cannot be chosen to travel such as long holiday or cuddle th public day. All 44 days are made for those who will travel during many holidays. There are only 1-3 left to choose from. 16-17 Dec 16-17 July But as I said, there are 14 weekends flying.
3. Limited to 2 flights per day. Which is why I can listen. Those who go in the morning and evening can still reserve normally. But those who want to book Bangkok-Chiang Mai in the morning and continue to fly to Phuket in the afternoon. End with flying back to Bangkok in the evening. I'm out of rights like this.
4. Airport tax to pay more when booking a ticket, not paying 2,999 baht. This airport tax is not the income of every airline. From this section will be passed to the owner of the airport. It's why we need to have to. Pay every time you book.
5. Booking fees are not avoided if you choose to pay via credit card or cut bank account. But if anyone has credit from airline during the cancellation of many flights, it can be paid. There will be no booking fees. #advantages Of people with credit right now
6. There are other extra charges such as seat selection, loading bag. These additional services can avoid by providing random seats and not loading bags which can carry up to 7 kg. We don't have to pay this part
.
😍 Read here and it's enough to evaluate yourself whether this pass is suitable for us. If you are not sure, consider 1 more issues.
😄 If we are going to fly late July and book now to Chiang Mai. Cheapest ticket price. 1,500 baht per trip. 3,000 baht. We should buy the pastel until the end of July. If we can fly again, it's our profit.
😄 If we are going to fly in September - December, the ticket will be in 900-1,200 baht. Go-back under 2,400 baht. I think that there shouldn't be another flight. The end of this year won't be worthwhile. Immediately but if you think that there is a 2th trip happening for sure. I recommend you to buy a pass because the 2th trip is profit from this past. And if there is 3 trip, 4 more profit, no profit. Need to pay for more tickets, airport tax and booking fees.
.
😘 So who this pass is suitable for.
1. people aged 12 years old on travel day
2. people who have more than 1 trip plans this year and can travel on airline day.
3. people with flexible hours. Not up for a long holiday.
4. people who have a lot of days left.
5. people who like to go home to other provinces. Visit relatives and friends.
6. people are tired. I want to go to other provinces during Saturday and Sunday. If it's more difficult, it will be worthwhile because I can travel on Saturday and Sunday for 14 rounds. (but I'm too tired. Admin can't take this.
7. crazy people (travel) can fly to eat in Chiang Mai in the morning. Stop by to eat snacks in Nimman and fly back in the evening.
.
🤭 and this pass wouldn't suit these people
1. people who like to stay home. Don't go anywhere. Don't like
2. people who have to work full time. Good bye. No days off. Working 7 days a week.
3. people who can't plan more than 21 days ahead
4. people who think they will travel only one trip this year.
.
😚 After reading, you think that you are worth it or not. Share the information to exchange because this pass is limited to the first 100,000 people. It's gone. It's gone. It can help many people decide whether you should buy or not.
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twitter card example 在 YousayーIX Facebook 的最佳貼文
ตัวอย่างครับ โอ้ววว
Example. Oh.Translated
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twitter card example 在 Pat Kay Youtube 的最佳貼文
In this Adobe Lightroom editing tutorial, let's talk about one of the most criminally underused tools—The Calibration Tool.
Your editing will be changed forever once you get used to how this works. Promise.
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0:00 Intro
0:58 What is Calibration?
4:51 Lightroom breakdown (Calibration vs Hue)
9:53 Lightroom example 1
12:28 Lightroom example 2
15:10 Lightroom example 3
17:45 Wrap up
![post-title](https://i.ytimg.com/vi/-joWxXm2Ks8/hqdefault.jpg)
twitter card example 在 chungdha Youtube 的最讚貼文
Feelworld F6 Plus - https://amzn.to/2HqlAdv
The Feelworld F6 Plus a 5.5inch 1920x1080p touchscreen monitor with 500nit. Special features of this monitor is that you can load your personal LUT via SD card onto this monitor, it got a DC out to power your camera via a dummy battery and it got a HDMI IN and Out, enable to passthrough use and give a video signal to for example a transmitter or a 2nd monitor. This monitor also can see 4k footage and enable you zoom in and even use the touch to move to areas you want to focus on. This is right now the most affordable touchscreen monitor and its really make things much easier to use than the older models which uses buttons only.
This video is filmed with:
Panasonic GH5 - https://amzn.to/33TYZ2B
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Zhiyun Monopod - https://amzn.to/2Zf01aJ
Rode Smartlav - https://amzn.to/3209sI1
Edited with Adobe Premiere Pro - http://goo.gl/k2EagF
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![post-title](https://i.ytimg.com/vi/uNZmBOJrPCI/hqdefault.jpg)
twitter card example 在 pennyccw Youtube 的最讚貼文
After a drawn-out recruitment by the Memphis Grizzlies, Iverson finally confirmed Wednesday morning that he is indeed ready to sign with them, announcing via his Twitter feed: "God Chose Memphis as the place that I will continue my career."
Referring to a Monday meeting with Grizzlies owner Michael Heisley, general manager Chris Wallace and head coach Lionel Hollins, Iverson added: "I feel that they are committed to developing a winner and I know that I can help them to accomplish that. I feel that I can trust them."
The Grizzlies are believed to be offering Iverson a one-year deal worth $3.5 million, which is far less than the nearly $21 million he earned last season in Denver and Detroit but more than anyone else was prepared to pay the 34-year-old.
At Heisley's behest, Memphis has been pursuing Iverson since July, ignoring concerns about his willingness to accept a reserve role or his ability to co-exist in the same offense with Mayo, Gay and Randolph because of Iverson's presumed ability to generate interest and sell tickets. The Grizzlies, throughout Heisley's ownership, have languished in the shadow of the Memphis Tigers' many successes in the collegiate game.
Grizzlies officials have yet to formally announce the signing but have made it clear since last week that they have merely been waiting for Iverson to take their offer.
In a radio interview Tuesday with WHBQ-AM in Memphis, Wallace sounded hopeful about Iverson ultimately joining the team, saying: "We had a very productive meeting yesterday where both sides got to know each other and what our expectations were. We got to hear Allen out, he got to hear us out and I thought it went pretty well."
Asked specifically about Iverson's well-known aversion to coming off the bench, Wallace said: "He indicated to us that he just wants to come in and help a team out, to get better, to win, and he'll shine during that process. I think Allen Iverson is going to be very fine with whatever role he would end up fulfilling here in Memphis. ... He knows where we're coming from, we know where he's coming from and I think if he comes here it's going to be a very productive marriage."
Monday's sitdown in Atlanta was the first face-to-face contact between Iverson and Grizzlies officials since the process began, with Memphis negotiating to this point primarily with Leon Rose, Iverson's agent.
Iverson has spent much of the past two months hoping that a firm offer would materialize from the Miami Heat, New York Knicks or Charlotte Bobcats, with the latter presenting the possibility of a reunion with former coach Larry Brown. But Iverson was ultimately forced to concede that only the Grizzlies had the financial flexibility and definite interest to pay him more than a minimum salary after his nightmarish stint with the Pistons.
Iverson played in only 57 games last season after being dealt by Denver to Detroit less than a week into the season and averaged a career-low 17.5 points, hampered by a back injury and his open struggles to cope with coming off the bench for the first time in his career. He would end up leaving the Pistons in April by mutual agreement before the playoffs.
But Iverson has insisted in recent days that he is amenable to whatever the Grizzlies have in mind for him as well as the steep drop from last season's salary, writing via Twitter: "Memphis is a place that I would love to play. The Grizzlies have good young players with a great upside. I love the city of Memphis, too.
"I would lead by example," Iverson wrote.
With Mayo at the same position, Mike Conley returning at point guard and Randolph's arrival over the summer, bringing in Iverson would appear to run counter to the Grizzlies' previous intent to develop a group of youngsters which also includes center Marc Gasol and No. 2 overall draft pick Hasheem Thabeet.
Yet in a July interview with ESPN.com, Heisley disputed suggestions that signing Iverson -- the sort of drawing card that the Grizzlies have never had in an eight-season run in Memphis marked by notoriously low attendance figures -- was dangerous or purely motivated by the prospect of ticket sales.
"What appeals to me?" Heisley said, repeating the question. "He's one of the greatest players in the last 10 years in the NBA."
In an interview Wednesday with NBA.com, Heisley said: "He told us he was very interested in playing with the young team we've assembled. He thought he could help us win and he was looking forward to helping the young players, and helping them to develop. Frankly, I'm ecstatic to have him.
"I don't buy into all of the stuff that's gone on. I'm not saying none of it happened. Some of it did ... but I know Allen is an excellent player. He's going to the Hall of Fame. ... The city of Memphis is going to be ecstatic to have him. We've never had a Hall of Famer, a guy of Allen's stature playing in Memphis. I feel Allen is going to be outstanding for us."
![post-title](https://i.ytimg.com/vi/vK9c8Tik3vQ/hqdefault.jpg)