LH Bank, in partnership with CTBC Bank, Microsoft Thailand, and Fusion Solutions, launches “GENIE AI” on the LHB app.

LH Bank has officially launched GENIE AI, becoming the first financial institution in Thailand to integrate a voice-activated AI assistant into its LHB You mobile banking app. This move reflects a shift in the banking industry, moving from traditional digital services to smarter and more interactive experiences.

This launch not only enhances the user experience but also sets a clear growth target, aiming to increase the number of retail customers from 400,000 to 1 million within the next 2-3 years.

A new era of banking experience driven by AI.

GENIE AI is designed to transform the way customers interact with financial services, developed in collaboration with CTBC Bank, Microsoft Thailand, and Fusion Solutions to create a seamless “Digital Finance Lifestyle” experience.

Users no longer need to search through complex menus; they can operate it via natural voice commands, reducing steps and simplifying the process, especially for those unfamiliar with using apps.

Core capabilities that enhance usability.

GENIE AI comes with features that enhance the mobile banking experience beyond the traditional way.

The key is Voice-to-Action It allows users to perform transactions such as transferring money or topping up Easy Pass simply by speaking, reducing the complex steps in daily life.

The system also supports multiple languages, including Thai, English, and Chinese (Mandarin), making it accessible to a wider range of users and aligning with Thailand's increasingly international customer base.

Another highlight is its natural interaction capability. GENIE AI uses advanced natural language processing technology to understand the context of a conversation, respond naturally, and continue the conversation without the user having to repeat themselves.

In addition, it also serves as an in-app navigation aid, such as guiding users to the cardless withdrawal page, reducing the time spent searching for menus.

Furthermore, GENIE AI is also a 24/7 financial assistant, providing promotional information, comparing products, and connecting with agents when needed, seamlessly integrating automation and human service.

In terms of security, the system is developed on the principle of "Responsible AI," detecting risks in real-time and not directly storing sensitive personal data within the AI ​​system.

Growth strategies through innovation and branding. 

LH Bank's strategy focuses not only on technology but also on building customer loyalty and brand image. 

The primary target groups include digital users, salaried employees, and entrepreneurs, who are high-potential and ready to utilize new technologies. 

To support this strategy, the bank employs two key approaches: 

• AI innovationGENIE AI simplifies financial language, reduces complexity, and increases accessibility for users of all ages.
• Music MarketingJoey Phuwasit has been appointed as a presenter to create an approachable image and build an emotional connection with customers.

Strong digital adoption and a comprehensive product system.

LH Bank has a strong digital adoption rate, with over 80% of its 400,000 customers, or approximately 300,000, using LHB You.

In addition to GENIE AI, the bank continues to develop financial products such as:

• The “B You” savings account group is designed to meet individual needs, from general spending to health planning.
• Happy Cash loan offers interest rates starting at 8.88% per year and a maximum loan amount of 1.5 million baht.
• Investment and insurance services including funds from 17 leading asset management companies and insurance brokerage services.

This ecosystem enables customers to manage their finances comprehensively on a single platform.

Summary: Taking a step towards the future of fully digital banking.

The launch of GENIE AI marks a significant step for LH Bank and the Thai financial industry, integrating advanced AI technology with market-appropriate strategies.

More importantly, this is a transition from transactional banking to a conversational banking experience driven by AI.

As financial services become an increasingly integral part of daily life, solutions like GENIE AI will play a crucial role in making banking simpler, faster, and more intuitive.

LH Bank's vision is clear—to become a full-service digital bank that integrates technology and user experience to transform the way people interact with finance in the future.