Ngern Tidlor has won two awards for Financial Inclusion Initiative and Seamless Cross Channel Experience at the Global Retail Banking Innovation Awards 2026.
Ngern Tidlor provides seamless access to loan credit lines across more than 1,900 branches nationwide, the Tidlor Card, and the Tidjai application, enabling customers to access liquidity and funds 24/7.
Ngern Tid Lor Public Company Limited, a subsidiary of Tidlor Holdings (TIDLOR), has received two awards for Financial Inclusion Initiative and Seamless Cross Channel Experience at the Global Retail Banking Innovation Awards 2026. The recognition underscores the company's achievements in advancing financial inclusion through its Omnichannel Disbursement solution, which enables customers to access their approved vehicle title loan credit lines seamlessly across multiple channels. These include more than 1,900 branches nationwide, the Tidlor Card, and the Tidjai application (formerly known as the Ngern Tidlor application). By integrating physical and digital channels, the solution provides customers with convenient and flexible access to funds, particularly during unexpected financial emergencies.
Mr. Thitided Srimarayat, Senior Vice President of Marketing and Loan Business Development, stated that Ngern Tid Lor PLC remains committed to expanding access to fair and transparent financial services while helping reduce financial inequality among underserved retail borrowers. This commitment is reflected in the company's Omnichannel Disbursement model, which is designed to provide customers with flexible access to approved credit lines based on their individual needs and circumstances. This journey integrates personalized, face-to-face consultations from over 5,000 advisory staff across 1,900+ branches, expanded via the Tidlor Card—a revolving cash card enabling ATM cash withdrawals nationwide where customers only pay interest on the actual amount withdrawn and elevated through cardless E-Withdrawal via the Tidjai application, offering 24/7 access to funds anywhere, anytime. Both services provide convenient access to capital and offer customers peace of mind during financial emergencies.
The solution has continued to gain strong customer adoption. By the end of 2025, more than half of the company's customers had transitioned to digital channels, with the Tidjai application emerging as the primary channel for loan disbursement. This shift reflects growing customer acceptance of digital financial services and demonstrates the effectiveness of the company's omnichannel approach in improving accessibility and service continuity, particularly when physical branch visits or ATM withdrawals are not feasible.
This dual win reaffirms the company’s commitment to leveraging innovation to enhance financial accessibility and deliver responsible, reliable, and customer-centric financial services. The recognition also reinforces Tidlor Holdings' position as The Leading Financial Inclusion Service Provider, reflecting the Group's continued efforts to expand access to fair and transparent financial solutions while contributing to improved financial well-being and sustainable quality of life.
The Global Retail Banking Innovation Awards 2026, organized by global financial publication The Digital Banker, honors leading retail financial institutions that successfully leverage technology, digital innovation, and customer experience enhancements to achieve tangible business impact.
Notes: Borrow only as necessary and within your repayment ability. Interest rate 12%–24% per year (as of April 18, 2025).
For more information about Ngern Tid Lor PLC, please visit:
Call Center: 088-088-0880 (24 hours)
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FAQ:
Q: What awards did Ngern Tidlor win at the Global Retail Banking Innovation Awards 2026?
A: Ngern Tidlor won two awards: Financial Inclusion Initiative and Seamless Cross Channel Experience, organized by The Digital Banker, in recognition of its innovation in advancing seamless access to loan credit lines.
Q: Through which channels does Ngern Tidlor’s Omnichannel Disbursement innovation facilitate services for customers?
A: Services are delivered through more than 5,000 advisory staff across 1,900+ branches nationwide, the Tidlor Card (revolving cash card enabling ATM cash withdrawals nationwide), and cardless fund transfers directly into customer accounts via the Tidjai application (E-Withdrawal) 24/7.
Q: Who organizes the Global Retail Banking Innovation Awards 2026, and what are the award criteria?
A: Organized by global financial publication The Digital Banker, the awards honor leading retail financial institutions that successfully leverage technology, digital innovation, and customer experience enhancements to achieve tangible business impact.
