The year 2025 is another test for the organization, amid a fragile global economy, household debt reaching its peak, and increasingly fierce competition from all directions, both from a saturated credit market, rapidly developing competitors, to consumer behavior changing unpredictably.
But "Ngern Tidlor" chooses not to stop. We continue on a path that may not be easy, but is full of possibilities — that is where NTL OPEN BOX 2025 came from, a summit conference for leaders under the concept "TIDLOR's Journey of Possibilities: The Journey to Every Possibility". The event conveyed the organization's growth approach that even though facing economic uncertainties, can still drive forward strongly through financial technology, insurance brokerage business, utilizing Data and Artificial Intelligence (AI) technology, all of which have been brought to strengthen work capabilities and develop innovation in many dimensions.
MD TALK: In Crisis, There is a Way...If We Still Have the Heart of "WE-GRIT"
Piyasak Ukritnukun, Managing Director, invited us to look back at the path that has passed. Throughout the many years of establishing Ngern Tid Lor Public Company Limited, we have passed through crises no less than 5 times — Tom Yum Goong, Hamburger, Flood, COVID, and household debt crisis at 90% to GDP level.The important question raised is "Will we still continue in the same direction?"
The answer is we will not stop in place, but will learn from the past, create understanding, and determine a better future for customers and Thai society. Because what makes us stand is not just systems or products, but is the heart of WE-GRIT — determination, understanding, and never giving up of every employee.
We are not just lenders, but are a financial support that customers trust. We don't sell insurance to reach targets, but offer because we know that "insurance" is armor to protect customers' lives and property. We do all of this...for customers, because customers are the reason, not just the result.
"Bonuses, salaries are by-products, but the reason we do these things is...customers" – Piyasak Ukritnukun
Credit: Moving Forward with Understanding and More Stability Than Before
The big picture of credit business in 2025, although competition will be more intense and costs will be more challenging than before, Ngern Tidlor still believes in "understanding" and "sincerity" to be the compass leading the organization forward, ready to stand as a leader in vehicle title loans, not just with sales volume, but with customer understanding, because customers don't just need money, but need a "support" that truly understands their situation. We therefore don't stop developing, both in terms of processes, products, and front-line teams, to be able to provide solutions suitable for each person in a way that "helps them move forward" fairly and transparently.
When Encountering Debt, Don't Worry, Because We Have Insurance That Understands, Like Shield Insurance Broker, Areegator, and heygoody
When uncertainty is something that cannot be avoided, having "insurance that understands" therefore becomes one of the important tools that will help customers deal with unexpected things confidently. Because we believe that the role of insurance is not just about numbers or sales volume, but is an opportunity to help customers survive unexpected financial burdens. We therefore are determined to create an insurance system that is easy to understand, easy to access, and emphasizes service ready to take care of customers in every situation — whether comprehensive products, after-sales service, or various access channels both offline and online.
On Days When AI is Not Technology for the Future, But is Today's Tool
With the vision of organizational leaders who believe that AI is a supplementary power that will make people work "faster and further than before", the organization therefore seriously invests in learning and doing, from the 'AI Literacy for All' course for all employees, to organizing AI Hackathon events that open space for new ideas to extend to real business results.
Behind these movements is continuous support from the management team and the AI Gangster team who together push for this technology to become a "tool". Because for Ngern Tidlor... AI doesn't replace people, but is an important key to "unlock possibilities for people to grow faster than before".
Collections & Data: Driving the Organization to Grow Sustainably
When talking about the stability of credit business, what is often overlooked behind is the "Collections team" and accurate "Data", because if the back-office system is strong, it naturally affects cost efficiency and helps customers access financial opportunities fairly.
Collections: Not Just Debt Collection, But the Foundation of the Credit System
The organization has adjusted its new perspective on the role of the Collections team that the duty is not just "debt collection" but is an important gear in maintaining the balance of the credit system. The better it is done, the better credit costs can be managed efficiently, and that means opportunities for customers to access credit in the system more easily and fairly.
Speed and Accuracy of Data is an Advantage
To support accurate and fast decision-making at all levels, the organization has developed "Data Core" that allows all teams to access data together correctly, connected, and safely. At the same time, Data development also moves forward strongly together, including establishing data owners, creating Data Catalogue, setting usage standards, and upgrading tools ready for use throughout the organization, so that everyone makes decisions from the same dataset and runs in the same direction.
From Scattered Data to a System That Works Connected Throughout the Organization
In an era when Data has become the infrastructure of every decision, the organization therefore initiated organizing internal data, connecting work from all departments from branches to headquarters, reducing redundancy, increasing accuracy, and creating efficiency in customer service. Because an organization driven by Data is not far-fetched, but is a goal that is actually happening.
Culture is the Compass That Takes Us Forward
Ngern Tidlor's culture is not just beautiful words, but is the foundation that takes us through the transformation from a family business to a company that grows sustainably. And this year, we shared lessons from the journey of "culture makers" that actually happen in our organization.
The organization therefore chooses to use "values" instead of "rules", opening space for people to learn and grow, both from real experiences, books, and lessons passed down from generation to generation, ready to take care of employees' lives in every dimension, both physical health, mental health, and financial stability.
Conclusion
When looking back, the organization's success today doesn't just come from well-laid strategic plans, but comes from the hearts of ordinary NTLers who get up and do their duties fully to help customers and Thai society move forward.
TIDLOR's Journey of Possibilities is therefore not just this year's theme, but is confirmation that every small step of over 8,000 NTLers, when strung together, will become a force that takes us further than ever.