Krungsri Consumer achieved strong H1 2026 growth (3–4% across card spending, new accounts, and new credit), with e-commerce platforms emerging as the fastest-growing category (+16%). However, management expects to fall short of the full-year ฿420bn credit card spending target due to uncertain economic conditions, high cost-of-living pressures, and weak consumer confidence. The company is launching new payment innovations and partnering with affiliates to close the gap, but Q3 early data suggests growth will plateau.