GO by Krungsri Auto, a data-driven app with personalized and innovative services for Thai car users. Qorus-Infosys Finacle Banking Innovation Awards 2025

In Thailand, the total population is approximately 70 million people. The current estimate indicates 43 million registered vehicles, including both cars and motorbikes. Numerous applications have been developed to cater to the needs of automobile users and those looking to own a car. However, with more than 45 automobile user touchpoints, no single platform can provide all the services they require. That’s why Krungsri Auto, the leader in auto finance under Bank of Ayudhya PLC, has developed the GO by Krungsri Auto Application.

GO by Krungsri Auto Application is built on the concept of becoming a true one-stop digital solution for car users in Thailand. Our application integrates auto financial products and lifestyle services to support users throughout their car ownership journey. Our objective is to continually enhance the application through agile development, ensuring it evolves in line with car user behaviors and lifestyle trends. Ultimately, we aim to become the go-to application for all of Thailand’s 43 million registered vehicle users and future car owners.

Currently, no other application in Thailand offers a fully integrated solution for car users like our GO by Krungsri Auto Application. While competitors provide apps focused on specific functions such as online loan applications or individual car-related transactions, none combine lifestyle services, auto finance, insurance products, and DIY services within a single app. Our comprehensive approach leverages data-driven insights to deeply understand user needs and deliver personalized experiences, enhancing user satisfaction and creating a clear competitive advantage—positioning our app as a market leader in the automotive ecosystem.

The ever-changing behaviors and needs of car users serve as our key source of inspiration. We are committed to driving customer experience innovation that stays relevant and ahead of trends by continuously studying customer preferences. By analyzing user behavior through personal data and other car-related data—a rich and expansive source collected by Krungsri Group—we gain deep insights that enable us to develop seamless, convenient, and truly personalized products and lifestyle services tailored to the real needs of car users in Thailand. Guided by a customer-centric approach, we not only focus on delivering exceptional experiences but also aim to create new revenue opportunities within the evolving automotive ecosystem.

In 2024, GO by Krungsri Auto Application reached a key milestone with 1.01 million new downloads, bringing the total to 4.4 million — a 13% increase from 890,000 downloads in 2023. Our app also recorded a total digital volume exceeding USD 1,076 million, representing a strong 25% year-over-year growth (Exchange rate: 32.87 THB = 1 USD).

These achievements highlight the GO by Krungsri Auto Application’s growing relevance and impact in the market. Beyond user growth and transaction volume, we continue to enhance our application with integrated product and lifestyle services that support every micro-moment of the car users journey — from researching and financing a new car to managing ownership through maintenance, insurance, refueling, shopping, travel inspiration, and exclusive privileges — all in one seamless application.

With all of the above being said, none of it would have been possible without the dedication and hard work of our top-notch “Digital” department, comprised of various squads including Digital Lending, PromptStart, Car4Cash, Digital Lending Wing to Wing, Thinslice, Insurance, In-Life (Hook), Loyalty, Campaign, Auto Station (Marketplace), PromptBuy (E-Marketplace), GO Travel, Auto Club, Digital Help, Platform, Data-Eco, Shared Service, IT Department, Legal and Compliance, and the Business Squad.