Extend KBank's digital dominance from transactions to conversations: Thai-first agentic collections, SME servicing, and K PLUS support grounded in core systems, running on the cloud KBTG already builds on.
KBank is one of Thailand's largest banks and its digital leader: the K PLUS mobile app is among the country's most-used banking apps with a base publicly reported around 20M+ users.
Public factKBTG, KBank's technology arm, is a published Google Cloud customer (the MAKE by KBank app case study) and publicly partners with AI Singapore and Google Research on Thai LLM development under Project SEALD.
Public factKBTG has publicly welcomed the new Google Cloud Thailand region for latency, cost, and Bank of Thailand compliance alignment.
Public factKBank's large SME lending franchise carries structurally elevated credit-cost exposure; collections effectiveness on small-ticket portfolios is an ongoing P&L lever.
Reasoned inferenceLINE is the dominant conversational channel in Thailand; a LINE-first agentic layer would meet both retail and SME customers where they already talk.
Reasoned inferenceA shared conversational platform could also serve regional ambitions (KBank's Vietnam and Indonesia presence) from one governance frame.
Seller hypothesis — validateKBTG is a published Google Cloud customer (MAKE by KBank case study), publicly partners with Google Research on Thai LLMs (Project SEALD), and has publicly endorsed the Google Cloud Thailand region for BOT-aligned data residency.
Publicly reported Google Cloud relevanceValidate with the account team before outreach: Which portfolios KBank considers pilot-safe for agentic collections · KBTG's internal conversational-AI roadmap and where Tilicho complements it · LINE Official Account consent posture for outbound collections contact
Technically capable but needs industry workflows, integration, acceleration, or managed operations
Evidence: KBTG is one of the region's most capable bank technology arms, but its pattern is building customer-facing apps on bought platforms — it is a published Google Cloud customer, and its Thai LLM work with Google Research (Project SEALD) is research collaboration, not a service-stack build. Platforms are procured; KBTG integrates.
Why they won't build the full stack: KBank's differentiation lives in K PLUS and its credit franchise, not contact-center infrastructure. With BOT's governance bar and asset quality under active management, a hardened, auditable platform with KBTG owning integration beats a multi-year internal build.
Management has publicly guided on elevated credit costs and balance-sheet clean-up, with asset-quality management a recurring theme in results briefings.
GTM implication: Collections workflows attack the exact metric management is guiding the market on — lead with roll-rate economics on control cohorts.
| Workflow | Why it matters here | Value | Complexity | Speed | Channels |
|---|---|---|---|---|---|
Early-delinquency collections Full attempted coverage on LINE/voice in Thai, offers from the approved matrix, automatic PTP follow-up, hardship routed to humans. | Small-ticket retail and SME buckets are exactly where human collection economics break and roll rates compound. Friction today: Dialer capacity limits day-1 coverage; offers vary by collector; PTPs lack systematic follow-through. | LINEVoiceSMS | |||
K PLUS service & dispute support Grounded, in-conversation resolution with warm handoff; every interaction scored for quality. | At 20M+ users, even a small per-user contact rate is an enormous absolute volume; app-adjacent questions should resolve in-channel. Friction today: Call center absorbs transfer, PromptPay, and dispute questions the app almost answers. | In-app chatLINEVoice | |||
SME lending servicing & document chase Proactive status, document checklists tracked conversationally, RM time returned to origination. | SME relationship managers spend selling time chasing documents and answering status questions. Friction today: Application status and covenant queries flow through RMs by phone. | LINEVoiceEmail |
Voice & channel orchestration, telephony, conversational execution, session/state, routing, integration build. Capability coverage validated during implementation.
API access to these systems is the critical-path dependency.
Identity-bound sessions, policy-bounded actions, 100% audit logging, human approvals at defined points, in-tenant intelligence.
All figures are modelling estimates from the labeled inputs above — nothing here is customer-provided yet. The pilot's first job is replacing these assumptions with Kasikornbank (KBank)'s measured baseline. Package price covers implementation only; recurring usage billed separately.
Why this package for Kasikornbank (KBank): Collections plus K PLUS service and SME workflows across LINE, voice, and in-app channels — with KBTG as a capable integration counterpart — fit a multi-workflow Scale deployment immediately.
Packages cover implementation and integration only. Recurring costs are billed separately: Tilicho Labs platform usage (~$0.15/call-min indicative, usage only), Google Cloud consumption, telephony/carrier charges, managed operations, and support & optimization. No package includes unlimited usage.
“KBank won Thai digital banking by moving first. Agentic service is the next first-mover window — and your KBTG-Google foundation means you can take it faster than any peer.”
“KBTG already builds on Google Cloud and co-develops Thai LLM capability with Google Research. Gemini Enterprise agents on the new Thai region extend that stack — BOT-aligned residency included.”
“Collections coverage stops being a dialer-capacity problem, and K PLUS support absorbs volume elastically — your people move to the judgment work in both.”
“Every early-bucket account contacted on day one, every promise followed up automatically, every conversation scored against your playbook — with roll-rate impact measured on control cohorts.”
“BOT market-conduct rules and Thai PDPA consent become enforced configuration: outreach windows, offer bounds, and full audit trails on 100% of interactions.”
“Credit costs and service costs are your two heaviest operational lines; this attacks both with one platform, priced on implementation plus usage — not seats.”
Written from this account's own research — the strategic signal, the capability gap, the entry workflow, and the modelled economics — not a mail-merge template. Pick the moment and the persona, edit anything, then copy or open in your mail client.
Customer-safe by construction: drafts are composed only from customer-facing fields. Account tier, build-vs-buy classification, priority score, internal routing, and partner-commercial detail are not inputs to the composer, so they cannot appear in a draft. Money figures are always framed as modelled from the customer's own volumes. Read before sending — you own what goes out.
Thailand's digital-banking leader with K PLUS at ~20M+ users, a huge SME lending franchise, and KBTG already a public Google Cloud customer working with Google Research on Thai LLMs — the warmest large-bank door in the country.
Joint session with KBTG on a Thai-region reference architecture, then a control-group collections pilot on one retail portfolio.
Entry: Retail & SME early-delinquency collections · Scale package · 10–14 weeks to production across priority workflows. Human fallback throughout; success thresholds agreed before build.
Start the pursuitResearch-based priority-account universe assembled from public information, market scale, communication volume, and solution fit. This is NOT an authoritative list of top Google Cloud customers; existing Google Cloud relationships are noted only where publicly reported. Validate every account with the account team before outreach.