TMN E-WALLET COF = 0% ?

1. Credit/Debit Card

1.1. 2.2% COF

2. Bank Account

2.1. 0% COF

2.2. or 10฿

3. Kiosk

3.1. 0% COF

4. Direct Top-up

4.1. 7% COF

5. Cash Card

5.1. 7% COF

5.2. Accounts for 90% of wallet usage

6. TMX

6.1. 3% COF

7. Counter Service

7.1. 10฿ COF

7.2. (work in progress)

8. Direct Product

9. Mobile/Game online

9.1. Charge 10-15% (game operators) 7.1% (True Move)

10. Bill Pay

10.1. Huge ฿ per trans

10.2. Rely on 0% COF

10.3. Some billers accept CC (2.2% COF)

11. E-Commerce

11.1. Charge 3.5% fee to merchants

12. Cash out

12.1. Charge 12% fee to users

12.2. Cost: 2% from BAY

13. Flag

13.1. 1. High COF

13.1.1. Cash Card

13.2. 2. Low COF

13.2.1. Credit/Debit card

13.3. 3. No COF

13.3.1. Bank account