Krungsri (Bank of Ayudhya PCL and its business units) revealed its strategic business direction driven by technology and innovation at Krungsri Tech Day 2026: Simplifying Life, Shifting Business with AI, marking the event’s fifth consecutive year. The bank emphasized practical artificial intelligence (AI) adoption, long-term core banking transformation, and proactive governance designed to manage operational costs, enhance cybersecurity, and elevate customer experiences.
Prioritizing Practical AI Solutions and Foundation-First Governance
Addressing attendees at the event, Mr. Kenichi Yamato, Krungsri President and Chief Executive Officer, highlighted that the real value of technology stems from meaningful and practical application rather than mere novelty. He stated that AI is fundamentally altering daily life and business conduct, making it imperative for enterprises to select suitable technologies that solve real problems, foster cross-industry collaboration, and secure sustainable growth.
In deep-dive media discussions surrounding corporate concerns that AI investments frequently outpace financial returns, Krungsri executives clarified that cost escalations often happen when organizations aggressively pursue isolated use cases without solid infrastructure. Krungsri counteracts this by prioritizing an architectural foundation:
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Shifting from CapEx to OpEx: Recognizing that AI models operate on consumption-based parameters, the bank implemented spending caps and threshold alerts to keep processing costs strictly under control.
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Responsible AI & Compliance: AI deployments adhere to strict central governance, risk limits, and regulatory guidelines established by the Bank of Thailand, ensuring human oversight through “Human-in-the-Loop” practices.
Centralized Architecture: Unified Data Platform and AI Kitchen
To scale capabilities efficiently across subsidiaries without redundant costs, Krungsri has built its strategy around two central pillars:
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Unified Data Platform: Integrates cross-organizational data assets into a trusted, reliable repository ready for AI consumption.
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AI Kitchen: Serves as the centralized enterprise AI hub, shifting development from fragmented, department-specific projects to reusable, shared AI capabilities applied across products, credit assessment, risk management, and service operations.
Ms. Saisunee Hanprathueangsil, Krungsri Chief Information and Digital Officer, emphasized that the bank’s digital and IT divisions operate as both a Value Creator and Business Partner to deliver on the brand promise “Make Life Simple”. She detailed three interconnected priorities: delivering seamless customer experiences via digital platforms and an Open Ecosystem, driving productivity through enterprise Data and AI, and building secure, future-ready infrastructure.
Modernizing Core Banking via Jupiter Program and Human-Centric Upskilling
In system modernizations, the bank continues to execute its long-term IT investment trajectory—representing 15–20% of annual expenditures—to transform its architecture over a multi-year journey. Key operational highlights include:
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Core Banking Modernization: Under the ongoing Jupiter Program, Krungsri is decoupling legacy systems into agile business hubs, such as end-to-end digital lending, to streamline paperless customer interactions.
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AI in SDLC: AI engines are embedded directly into the Software Development Life Cycle to assist engineering teams in gathering requirements, generating automated test scripts, and estimating delivery cycles.
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Unified Security Platform: Reaching 80% deployment, this platform integrates infrastructure, database, and application security under a single monitoring data plane equipped with AI engines for faster threat detection, backed by formal incident playbooks and coordination with Thailand Banking Sector CERT (TB-CERT).
Addressing concerns over workforce disruption and graduate unemployment, Ms. Saisunee affirmed that AI adoption aims to enhance employee efficiency and operational precision rather than downsize headcount. While AI automates routine coding, tech professionals possessing strong business acumen, problem-solving skills, and cross-functional communication remain indispensable for shaping the future organization.
Tracking Shareholder Value and Ecosystem Expansion
To validate technical investments, Krungsri relies on a structured Value Management Tracking mechanism that monitors concrete value drivers and business outcomes from AI and Machine Learning models deployed over the past seven years. These investments deliver hyper-personalized customer services that bolster long-term client relationships and cultivate new revenue streams.
Held alongside global technology leaders—including AWS, Microsoft, IBM, Cisco, Accenture, HPE, Kyndryl, and Red Hat—the event featured practical AI exhibitions, workshops, and business clinics to support enterprise partners in adopting digital tools tailored to their operating environments.
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