Frequently Asked Questions (FAQs) regarding the project to cooperate with to develop KMUTT towards a digital university

About the project:

1. The project to cooperate with to develop KMUTT towards a digital university: Definition and background The project to cooperate with Bangkok Bank to develop KMUTT towards a digital university is a project designed to support the application of digital technology to develop the services and operations of the university (which also include financial transactions), and for the university to achieve its goal of becoming a cashless society. KMUTT invited several to submit proposals to support the project and become a co-developer of the project. The banks that submitted proposals were: , , Krung Thai Bank, Kasikorn Bank and Bangkok Bank. After consideration of the project proposals submitted to the university, Bangkok Bank’s proposal was deemed to offer support that has greater benefits for the university. Therefore, KMUTT has chosen Bangkok Bank as its co- developer of the project to develop KMUTT towards becoming a digital university.

2. Why does the university have to co-operate with the bank and why Bangkok Bank? In order for KMUTT to become a digital university and enact the form of a cashless society, financial transaction development is involved. The use of smart cards (debit cards), digital IDs, QR codes and mobile applications will increase and they will be served through digital technology. The university and the bank need to work together to connect the financial information system of the bank to the information system provided by KMUTT. This is for the convenience of users and providers following the 3S1M2L (one-stop service, self-service, e-service, mobile, less paper, bilingual) policy. In order for the bank to do this, a specific agreement needs to be entered into between KMUTT and the bank. The bank needs to consider the appropriateness of which areas it should co-develop with the university in the same way it has previously done for other universities (prior to KMUTT). As the number of transactions KMUTT currently makes is high, it is difficult to negotiate partnerships with many banks. Consequently, KMUTT has chosen to cooperate with only one bank.

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3. What are the benefits the university will receive from the bank? Bangkok Bank is one of the leading commercial banks in . It provides quality financial services, aiming to fulfil the needs of customers. It is well equipped with high quality personnel, modern technology and systems, and universality. Collaborating with Bangkok Bank can help KMUTT to access advanced technology that will support it in becoming a digital university faster, with a worthwhile budget in terms of investment in IT and human resources. Bangkok Bank is a partner that can cooperate in systems development with KMUTT in the long term. The ultimate benefit that Bangkok Bank can offer to the university is its ability to bring in all resources (including proposals in finance, services and applications) to develop services for students and staff, and to support learning and teaching as well as university operations. This will enhance and improve the university’s applications and become well-integrated with the applications offered by the bank.

4. What are the benefits the students and staff of KMUTT will receive from this project? In addition to digital services based on the roadmap of transforming into a digital university, benefits that students and university personnel will receive in financial transactions are summarized in the table below. Fee rate comparisons for KMUTT’s students based on types of service Type of service Rates as agreed with Bangkok Previous rates Bank 1. Payment of tuition fees to 1.1 10 baht per transaction The university has main the university – Bualuang (Bangkok Bank branches) payment channels through five Smart Bill Payment through 1.2 0 baht per transaction (ATM banks include Bangkok Bank, the following channels: Bangkok Bank) , Bank of 1.1 Bank branches 1.3 0 baht per transaction Ayudhya, Kasikorn Bank and 1.2 ATM (through Bangkok Bank system) Siam Commercial Bank * 1.3 Mobile Banking and 1.4 5 baht per transaction 1.1 10 baht per transaction Internet Banking (through Bangkok Bank system) (branches of the five banks) 1.4 Direct Debit 1.5 Card usage fee of 0% 1.2 10 baht per transaction 1.5 Credit Card (Bangkok Bank Credit Card) (ATM five banks) 1.3 10 baht per transaction (or as per bank announcement) 1.4 10 baht per transaction 1.5 Card usage fee of 1% 2. Other money transfer 5 baht per transaction (transfer 5 baht per transaction (transfer services to students’ to Krungthai Bank) to Krungthai Bank) accounts (transfer fees for 5 baht per transaction (transfer 10 baht per transaction local and cross zones) to Bangkok Bank) ** (transfer to other banks) 8 baht per transaction (transfer to other banks) **

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3. Five-year student card fee Entrance fee 0 baht Student card fee 100 baht (paid (Academic Year 2018 – Annual fee 0 baht to the university) 2022) 4. SMS fee 0 baht As charged by the bank 5. Account maintenance fee - No minimum balance required; As charged by the bank an account with at least one - Account maintenance fee of activity per year will be exempt 50 baht per month for an from the fee account with less than 2,000 - The bank will extend the period baht in balance and no activity to obtain the card to more than for one year or more 60 days (pending consideration - Account that has been by the university) opened but the card has not been obtained within 60 days, 100-baht fee will be required for a new card * Five academic year contract (2018 – 2022). If student status at the university ends, he/she is no longer entitled to the benefits. ** Currently at the rate of 10 baht per transaction; the new rate will be in effect from January 2019 onwards.

Fee rate comparisons for KMUTT personnel based on types of service Type of service Rates as agreed with Bangkok Previous rates Bank 6. Monthly salary 0 baht per transaction (transfer to 5 baht per transaction (transfer fees for local and Bangkok Bank) (Bangkok Bank and Kasikorn across zones) 8 baht per transaction (transfer to Bank) * Kasikorn Bank)

7. Other money transfer 0 baht per transaction (transfer to 5 baht per transaction (transfer services to students’ accounts Bangkok Bank) ** to Bank of Ayudhya) (transfer fees for local and 8 baht per transaction (transfer to 10 baht per transaction across zones) other banks) ** (transfer to other banks) 8. Five-year personnel card Entrance fee 0 baht As charged by the bank fee (Academic Year 2018- Annual fee 0 baht 2022) 9. SMS fee 0 baht As charged by the bank 10. Account maintenance fee - No minimum balance required; As charged by the bank account with at least one - Account maintenance fee of movement activity per year will be 50 baht per month for an exempt from the fee account with less than 2,000 - The bank will extend the period baht in balance and no to obtain the card to more than 60 activity for one year or more days (pending consideration of - Account that has been the university) opened but the card has not

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been obtained within 60 days, 100 baht fee will be required for a new card

* Five academic year contract (2018-2022). If employment status at the university ends, he/she is no longer entitled to the benefits. ** Currently at the rate of 10 baht per transaction; the new rate will be in effect from January 2019 onwards.

About debit cards and opening a Bangkok Bank account:

5. What is the official name of the card? The debit card co-launched by KMUTT and Bangkok Bank for students and personnel of KMUTT is to be known as the KMUTT Mod D Card.

6. Why are the logos on the debit card co-launched by KMUTT and Bangkok Bank larger and located in more places on the card when compared to other universities’ cards? According to regulations, every debit card must have a domestic clearing network while an international clearing network is the choice of the bank. When the bank enters any network, the logo of that network has to be presented in accordance with the symbolic features, position and size required by the network. This is normal practice in the financial industry to prevent card fraud. Bangkok Bank has chosen the domestic clearing network ‘Thai Payment Network’ and international clearing network ‘UnionPay’; therefore, the two logos have to be presented in the spots required by the networks. (Banks that choose VISA as their domestic and international clearing network can position the VISA logo in only one place on the card.)

7. Why is the KMUTT identity design displayed on the card not as outstanding and beautiful as the original card? KMUTT negotiated with the bank regarding the KMUTT identity and the bank agreed to put it in the upper left corner of the card, which is the most important position following the principles of design. Other logos and symbols displayed on the card are there because the bank must comply with its obligations to its clearing networks as described in article 4. The bank is required to participate in the project as described in 2., and KMUTT must respect the obligations of the bank as its contract party. The university has negotiated and implemented all adjustments that have been made.

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In addition, the new card design applies identity systems, where the symbol is used appropriately, creating uniqueness and distinction for the university as a whole.

8. Do the KMUTT Mod D Cards for students and for personnel have different designs and why? There are some differences in design styles and details on the cards, which reflect the different types of cardholder. However, in terms of usage, both student and university personnel cards can be used to receive similar benefits as well as digital services.

9. In the case where students/personnel have an existing Bangkok Bank account, can they use their existing accounts to access Bualuang M Banking and other transactions? Existing accounts can be tied to new KMUTT Mod D Cards and can access Bualuang M Banking as well as other transactions. New users are entitled to benefits offered by the bank and new KMUTT Mod D cardholders will be exempt from initial or annual fees throughout the contract term that KMUTT has with the bank.

10. Are all students and personnel at the university required to have a Bangkok Bank KMUTT Mod D Card? KMUTT has chosen Bangkok Bank to create KMUTT student and personnel cards using the bank’s debit card system. The card will come with a digital ID to verify identity digitally and receive online services based on the university’s 3S1M2L policy as well as additional benefits in connection with digital university development, therefore, all students and personnel of KMUTT need to have a KMUTT Mod D Card.

11. Are students and personnel at the university required to open a bank account with Bangkok Bank? In order to receive full digital financial benefits, students and personnel should open an account with the bank if they do not already have one. Those who have an account with Bangkok Bank can link their accounts to the KMUTT Mod D Card. Initial or annual fees for the card will be exempt throughout the contract term that KMUTT has with the bank.

12. If university staff members have not responded to the personal information survey to open an account and receive a debit card from Bangkok Bank under the university's ‘Cashless Society Project’, can they still apply for and receive a card? They can apply by using the previous form sent to them by HR or asking for a new application form from the Human Resources Management Office, 4th floor, Multipurpose Building. For more information call 0-2470-8084.

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13. Are university personnel allowed to use bank accounts from other banks (i.e. not Bangkok Bank) to receive their salary? KMUTT personnel may choose to use other banks as allowed by the university to receive their salary, however, if they accept their salary through Bangkok Bank, they will be exempt from receipt fees throughout the contract term that KMUTT has with the bank.

14. What is the KMUTT Mod D Pass and what are its benefits? The KMUTT Mod D Pass is a mobile application that the university will use as a channel to receive services in digital form in addition to money receipt updates, benefits, notifications and many other services to come in the future. KMUTT personnel and students should have both the KMUTT Mod D Card and the KMUTT Mod D Pass application in order to access these digital services.

15. Is the university planning to use the KMUTT Mod D Card as a record for checking in and out of work, library, parking and other services? In addition to the previously mentioned services, the university plans to use the KMUTT Mod D Card and KMUTT Mod D Pass as channels for users to receive digital services from the university as well as money receipt updates, benefits, notifications and many other services related to work and study we may provide in the future.

16. Can the KMUTT Mod D Card be used as an identification card outside of the university? The KMUTT Mod D Card is for access to services and benefits of the digital university project of KMUTT and should not be used as an identification card or to exchange for visitor cards in any situation as it is debit card that can be used to pay for goods and services. It should be kept safely by the holder just like other cards issued by banks.

17. Is there a fee for opening an account and activating Bualuang M Banking and M Wallet for university personnel? There is no fee on opening an account with Bangkok Bank or using the KMUTT Mod D Card throughout the contract term that the Bank has with KMUTT. Bualuang M Banking and M Wallet are services offered by Bangkok Bank to facilitate payment for goods and service in the digital era.

18. Is there a fee for students to apply for a card? There is no fee throughout the contract term that the Bank has with KMUTT and new students will also be exempt from the 100-baht student card fee. (New students would normally be charged this fee.)

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19. Is this the first time that KMUTT has used a bank card as a student ID card? No, KMUTT previously used the Krungthai ATM card as a student ID card. The university has experience in managing a joint student ID & bank card issued in cooperation between KMUTT and the bank.

20. What is the difference between having a KMUTT Mod D Card from Bangkok Bank as personnel ID card and KMUTT’s official ID card for government officers? Can one be substituted for the other? The Bangkok Bank KMUTT Mod D Card can only be used to receive services and benefits for the implementation of KMUTT’s digital university project whereas KMUTT’s official ID card for government officers is still an official identification card for physically identifying a person in all cases.

21. When will personnel be able to open a bank account and apply for the card and until when? From now on; there is no closing date.

22. I would prefer to use my existing account; do I have to open a new account? KMUTT personnel may use their existing accounts allowed by the university to receive their salary, however, if they accept their salary through Bangkok Bank, they will be exempt from receipt fees throughout the contract term that KMUTT has with the bank. Opening an account with Bangkok Bank and linking it with the KMUTT Mod D Card will give personal convenience in receiving news and updates, and to access services the university may offer in the future.

23. Are there any initial fees or annual fees on the KMUTT Mod D Card as with other debit cards? There is no fee throughout the contract term that the bank has with KMUTT.

24. If the account has no activity or the remaining balance is lower than that required by the bank, will a fee be applied? This requirement is in accordance with Bangkok Bank and the Bank of Thailand’s terms; the bank will waive the account maintenance fees with no minimum balance requirement if there is at least one activity in the account per year.

25. If I open an account and apply for the card, can I cancel them later? Yes, you can. However, if you cancel the KMUTT Mod D Card, you will not be able to access services that the university may offer in the future as well as specific benefits that the card provides to students and personnel of the university.

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26. Having the Bangkok Bank KMUTT Mod D Card means I have to open an account with Bangkok Bank; as a university staff member, do I have to use this account to receive my salary or other payments from KMUTT? Not necessarily. KMUTT personnel have the right to choose the bank account they wish to receive their salary in from the list of banks allowed by KMUTT: Kasikorn Bank, KMUTT Savings Cooperatives or Bangkok Bank. If you accept your salary through Bangkok Bank, you will be exempt from receipt fees throughout the contract term that KMUTT has with the bank.

27. In opening an account and using the Bangkok Bank debit card, will this allow the bank to obtain the personal information of university personnel and try to sell them other products? The information that is required to be sent to the bank is limited to information that is usually required to open a bank account and to be displayed on the card. KMUTT does not send any internal work information other than information to open the account and to be displayed on the card following banking regulations. The bank will not receive any other information such as data that is used to enter or exit the building. We also have an article in the agreement stating that Bangkok Bank may not disclose information from KMUTT to the public.

28. What student information does the university submit to the bank? The information we submit to the bank in order to facilitate the production of a new student ID card is the usual information used to open a bank account and to be displayed on the card. That includes first name, last name, phone number, email, date of birth, identification card number, student identification number, address and faculty, department, and major of the student, some of which will be displayed on the KMUTT Mod D Card.

The bank must treat this information in accordance with its agreement with KMUTT and comply with the Financial Institution Business Act and the rules and regulations of the Bank of Thailand, which prohibit the disclosure of customers’ personal information. More details on the bank’s privacy policy are available at https://www.bangkokbank.com/th-th/personal/Privacy-Statement.

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29. How does the university treat students’ personal information? The university treats personal information with care and understands that it is very important. The university guarantees that it will use or disclose such information only for the purpose of educational services beneficial to students. This is not considered an infringement of the principles of personal information disclosure under the Official Information Act B.E. 2540. The university gives notification of the purpose of managing this personal information when students complete their registration as shown below:

Instruction

Announcement Students who bring their cars to KMUTT can only park in the parking buildings provided otherwise they may be subject to parking fees as specified by KMUTT Student Profile King Mongkut's University of Technology, Thonburi

Instruction The procedures to complete the student profile are as follows: Step 1 Check the accuracy of your student ID number, first name, last name and course Step 2 Fill in complete and accurate information for sections 1-12 (* represents required fields) Step 3 Press ‘Save’ to save the information Step 4 Review information for accuracy. If you would like to print it out to review the information, you can press ‘Print Profile’ Step 5 Print Course Registration Form and bring it for registration on orientation day

Students must save the information and print the document prior to New Student Registration Day or the specified date.

For any enquiries or if there is incorrect information, please contact the New Student Service Center on 0-2470-8154.

Warning If you fail to complete all of the required fields marked with *, you may not be able to press ‘continue’ button. Students should prepare all information before logging in to the system.

Check the accuracy of your first name and last name before registering as a new student. The name will be displayed on the student card.

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If you change your name or last name before registering as a new student, please inform staff before student registration day. You must bring your name change documentation with you on student registration day.

This is personal information and is important.

The university will use or disclose such information only for the purpose of educational services beneficial to students. Failure to provide accurate information violates student disciplinary procedures and action may be taken based on the university’s regulations.

Agree

The bank participating in and supporting the development of these services must strictly adhere to the privacy agreement. The information used in the project can be divided into two parts: financial transaction information, and services developed by KMUTT. The bank can only access financial transaction information (i.e. regular activities similar to how people currently use banking services or other online services). The information obtained from other services will stay with the university and may be used to improve those services and for policy planning for development work in the university. This will be based on the principles of information management for the purpose of providing services and administration of the

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university. KMUTT has an agreement requiring that Bangkok Bank comply with a privacy policy monitored by relevant authorities such as the Bank of Thailand, which prohibits the public disclosure of personal information.

By cooperating with Bangkok Bank, KMUTT aims to work on the university's services for students in order to support a more convenient lifestyle and education. Some of the development plans for these services have already been set, however, the university would like students to participate in providing feedback on the services they would like to see, and will launch workshop sessions for students soon.

30. How secure is the KMUTT Mod D Card? The new KMUTT Mod D Card is a ‘chip card’, which requires a six-digit code. It is the most highly-secured card available today for similar types of use. While this is a debit card that can be used for spending in the cashless society, students and personnel may limit the amount they can spend each day under the bank’s limit. They may increase or decrease their minimum limit amount at any time and may withhold their payments for goods and services. Learn more at https://www.bangkokbank.com/th- TH/Personal/Tips-and-Insights/Cards/Instruction-for-Purchasing-Limit-on-Be-st- Debit-Card.

In addition, when spending through the websites under this project, certain industry standards will apply: there will always be OTP sending through SMS to verify each transaction. For any online spending of 300 baht and over, an SMS alert will be sent to the registered mobile number. SMS fees are exempt throughout the five-year agreement period.

31. If university personnel lose, damage or need to update the information on their KMUTT Mod D Card, who can they contact and are there any fees? How is this different from an official ID card for government officers? How long will it take? If personnel lose or damage the card or need to update the information on their KMUTT Mod D Card, they can follow the details below. Description Official ID card for KMUTT Mod D Card Government Officers Notification of loss of Police stations Bangkok Bank KMUTT card branch or Bangkok Bank Call Center (0-2645- 5555 or 1333) Request a new card in Human Resources Contact Human case of Management Office Resources Management loss/damage/information Office; complete the update Bangkok Bank card request form then take

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the form to Bangkok Bank KMUTT branch Waiting time Receive on Mondays or Immediately at Bangkok Thursdays Bank KMUTT branch * Fee for a new card 200 baht 100 baht * Except at KMUTT Ratchaburi Campus: 7-14 working days

32. If students lose, damage or need to update the information on their KMUTT Mod D Card, who can they contact and how long will it take? How is this different from a KMUTT student ID card and are there any fees? If students lose, damage or need to update the information on their KMUTT Mod D Card, they can follow the details below. Description KMUTT student ID card KMUTT Mod D Card Notification of loss of Records Office Bangkok Bank KMUTT card branch or Bangkok Bank Call Center (0-2645- 5555 or 1333) Request a new card in Records Office; Request a student case of fill in a form and make certificate from Records loss/damage/information the payment Office and take it to update Bangkok Bank KMUTT branch Waiting time Contact on Mondays or Immediately at Bangkok Thursdays Bank KMUTT branch* Fee for a new card 100 baht 100 baht * Except at KMUTT Ratchaburi Campus: 7-14 working days

33. What should I do if I need to update the photo on the card? How long will it take? Is there any fee? Students can request a student certificate at the Records Office and take it to the Bangkok Bank KMUTT branch to request an update of the photo on the card. The fee is 100 baht and you can receive the card immediately at the Bangkok Bank KMUTT branch. KMUTT personnel can request an employment certificate from the Human Resources Management Office and take it to the Bangkok Bank KMUTT branch. The fee for the new card is 100 baht and the card can be issued immediately at the Bangkok Bank KMUTT branch. For students and personnel at KMUTT Ratchaburi Campus, the process will take 7-14 working days.

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About other services

34. Why are shops in KMUTT required to have an account and use a Bangkok Bank QR Code? In order to become a complete digital university, we need to obtain operational information such as data from shops within the campus to analyze and seek appropriate support services. This will help the university to effectively manage shops within the campus in a way that is most beneficial to the KMUTT community. This will also allow us to analyze the density of services and to find the best approach for rental space auctions, which will be beneficial to both shop owners and the university. In some case where the data shows that the shop is earning a low income, the university may consider adjusting the rent to a more appropriate level. It is also a foundation for future services. For these reasons, it is necessary that the university has a cooperative agreement with the bank and that the shops within the campus have an account and a QR Code to obtain this information. This is a similar approach to other universities in Thailand that also implement the policy of a cashless society.

35. What are the benefits of the Bualuang M Banking application and M Wallet for KMUTT community? These services represent the commitment of the university in its efforts to meet today's changing lifestyles, making work, study and daily life more convenient with access to cutting-edge technology. The application mentioned above is one of the examples of standard services in the digital era that help to facilitate quick and convenient financial transactions in the age of the cashless society. The collaboration between the university and Bangkok Bank will help to make the university more advanced and get closer to the goal of becoming a digital university.

36. Will the bank offer other exclusive financial products and services for KMUTT? In the future, if there are any excusive offers that are beneficial to the KMUTT community, the university will consider communicating them to the community. Currently KMUTT Mod D Card holders are entitled to the following benefits and privileges from Bangkok Bank: (1) Be 1st Smart TPN UnionPay Card Privileges. Please click the link for more details: http://web.kmutt.ac.th/treasury/bbl/BBL_Benefits_9Oct2018.pdf (2) Privileges from Travel Mate Asia (Debit Cardholder-Classic Type). Please click the link for more details: http://themecard.unionpayintl.com/travelcard/en/travelmateasia/uniqueness/attraction http://themecard.unionpayintl.com/en/travelmateasia

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37. Who can I contact for further information and enquiries? You can contact the KMUTT Mod D Card Hotline on 0-2470-9999 on business days and times, or send an email to [email protected], or call Bualuang Phone on 1333 (available 24 hrs.)

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