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        <div id="content-top1">Page 3 - CAT MAGAZINE VOL 14 No. 45 YEAR 2016 JULY-SEPTEMBER</div>
        <div id="content-top2">P. 3</div>
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    <pre style="white-space:pre-line"><code>EDITORโ€S TALK









            เธขเธธ  เธ  เน  เธซเน  เธ















                เนเธฅเธเธเธญเธเน€เธ—เธเนเธเนเธฅเธขเธตเธ—เธตเนเธเธฑเธ’เธเธฒเธเธถเนเธ เธเนเธงเธขเธญ๏ฟฝเธฒเธเธงเธขเธเธงเธฒเธกเธชเธฐเธ”เธงเธเนเธเธเธฒเธฃเธ—๏ฟฝเธฒเธเธธเธฃเธเธดเธเนเธฅเธฐเนเธเนเธเธตเธงเธดเธ•เนเธซเนเธเธงเธเน€เธฃเธฒ
                เนเธ”เนเธกเธฒเธเธกเธฒเธข เนเธ•เนเนเธเธเธฒเธเธเธฃเธฑเนเธ เธเธฒเธฃเธเธฑเธ’เธเธฒเธญเธขเนเธฒเธเธฃเธงเธ”เน€เธฃเนเธงเธ”เธฑเธเธเธฅเนเธฒเธง เธญเธฒเธเธชเนเธเธเธฅเธเธฃเธฐเธ—เธเนเธซเนเธเธนเนเธเธฃเธฐเธเธญเธเธเธฒเธฃ
           เนเธฅเธฐเธเธนเนเนเธเนเธญเธขเนเธฒเธเธเธงเธเน€เธฃเธฒเธ•เนเธญเธเธเธฃเธฑเธเธ•เธฑเธงเน€เธเนเธเธญเธขเนเธฒเธเธกเธฒเธ เธ—เธฑเนเธเนเธเธชเนเธงเธเธเธญเธเธเธฒเธฃเน€เธเธฅเธตเนเธขเธเธญเธธเธเธเธฃเธ“เนเธ—เธตเนเนเธเนเธเธฒเธ เธเธฒเธฃเธญเธฑเธเน€เธเธฃเธ”
           เธเธญเธเธ•เนเนเธงเธฃเนเธ•เนเธฒเธเน เน€เธเธทเนเธญเนเธซเนเนเธเนเธเธฒเธเน€เธ—เธเนเธเนเธฅเธขเธตเนเธซเธกเนเน€เธซเธฅเนเธฒเธเธฑเนเธเนเธ”เนเธญเธขเนเธฒเธเน€เธ•เนเธกเธเธฃเธฐเธชเธดเธ—เธเธดเธ เธฒเธ เธเธฃเธฒเธจเธเธฒเธเธเนเธญเธเนเธซเธงเน
           เธญเธฑเธเน€เธเนเธเธเธงเธฒเธกเน€เธชเธตเนเธขเธเธ”เนเธฒเธเธฃเธฐเธเธเธฃเธฑเธเธฉเธฒเธเธงเธฒเธกเธเธฅเธญเธ”เธ เธฑเธข เธญเธขเนเธฒเธเธ—เธตเนเน€เธเนเธเธเนเธฒเธงเธญเธขเธนเนเน€เธเธทเธญเธเน


           เนเธ•เนเธขเธฑเธเนเธกเนเธ—เธฑเธเธ—เธตเนเธซเธฅเธฒเธขเน เธเธเธเธฐเธเธฃเธฑเธเธ•เธฑเธงเธเธฑเธเธญเธขเนเธฒเธเน€เธฃเธตเธขเธเธฃเนเธญเธข เธฅเนเธฒเธชเธธเธ”เนเธฅเธเธเธญเธเธเธธเธฃเธเธดเธเธเธฒเธฃเน€เธเธดเธ เธเธฒเธฃเธเธเธฒเธเธฒเธฃ เธเนเน€เธเธดเธ”
           เธเธฒเธฃเน€เธเธฅเธตเนเธขเธเนเธเธฅเธเธเธฃเธฑเนเธเนเธซเธเน เธเธฃเนเธญเธกเธเธฑเธเธเธฒเธฃเน€เธเธดเธ”เธเธญเธเธจเธฑเธเธ—เนเนเธซเธกเนเน เนเธเธงเธเธเธฒเธฃเน€เธเธดเธเธเธถเนเธเธกเธฒเธเธกเธฒเธข เนเธกเนเธงเนเธฒเธเธฐเน€เธเนเธ
           Bitcoin, Blockchain, FinTech, E-Money เนเธฅเธฐ Digital Currency เธฅเนเธงเธเธชเธฃเนเธฒเธเธเธงเธฒเธกเธชเธฑเธเธชเธเธเธเธเธงเธขเนเธซเนเธเธฑเธ
           เธเธนเนเนเธเนเน€เธเนเธเธญเธขเนเธฒเธเธกเธฒเธ เธงเนเธฒเน€เธ—เธเนเธเนเธฅเธขเธตเธ”เธฑเธเธเธฅเนเธฒเธงเธเธทเธญเธญเธฐเนเธฃ? เธกเธตเธเธ—เธเธฒเธ—เธ•เนเธญเธเธฒเธฃเนเธเนเธเธตเธงเธดเธ• เธเธฒเธฃเธ”๏ฟฝเธฒเน€เธเธดเธเธเธธเธฃเธเธดเธ เนเธเธเธฑเธเธเธธเธเธฑเธ
           เนเธฅเธฐเธญเธเธฒเธเธ•เธญเธขเนเธฒเธเนเธฃเธเนเธฒเธ?


           เธชเธดเนเธเธ—เธตเนเน€เธเธดเธ”เธเธถเนเธเธเธตเนเนเธกเนเนเธเนเน€เธฃเธทเนเธญเธเธ—เธตเนเน€เธเธดเธเธเธงเธฒเธกเธเธฒเธ”เธซเธกเธฒเธขเนเธ•เนเธญเธขเนเธฒเธเนเธ” เน€เธเธฃเธฒเธฐเน€เธ—เธเนเธเนเธฅเธขเธตเน€เธซเธฅเนเธฒเธเธตเนเธเนเธฒเธงเน€เธเนเธฒเธกเธฒ
           เธเธฃเนเธญเธกเธเธฑเธเธเธฒเธฃเน€เธเธฅเธตเนเธขเธเนเธเธชเธนเนเธขเธธเธเธเธญเธเน€เธจเธฃเธฉเธเธเธดเธเธ”เธดเธเธดเธ—เธฑเธฅ เนเธ—เธเธ—เธตเนเน€เธจเธฃเธฉเธเธเธดเธเธเธเธเธฒเธเน€เธเธดเธเธชเธ” (เธเธเธเธฑเธ•เธฃ, เน€เธซเธฃเธตเธขเธ) เธเธฑเนเธ
           เธซเธกเธฒเธขเธเธงเธฒเธกเธงเนเธฒเธเธฒเธฃเนเธเนเน€เธเธดเธเนเธเธฃเธนเธเนเธเธเธ—เธตเนเน€เธเนเธเธเธเธเธฑเธ•เธฃเธซเธฃเธทเธญเน€เธซเธฃเธตเธขเธเธเธฐเธฅเธ”เธเนเธญเธขเธฅเธ เน€เธเธฅเธตเนเธขเธเธกเธฒเธชเธนเนเธเธฒเธฃเนเธเนเน€เธเธดเธเนเธ
           เธฃเธนเธเนเธเธเธญเธดเน€เธฅเนเธเธ—เธฃเธญเธเธดเธเธชเนเธ—เธตเนเธชเธฒเธกเธฒเธฃเธ–เธ—๏ฟฝเธฒเธเธธเธฃเธเธฃเธฃเธกเธ•เนเธฒเธเน เธเนเธฒเธเธ—เธฒเธเนเธญเธเธเธฅเธดเน€เธเธเธฑเธ เธซเธฃเธทเธญ Mobile Device เนเธเธฃเธนเธเนเธเธ
           e-Banking เธซเธฃเธทเธญ Digital Banking เนเธ”เธขเธกเธตเธญเธดเธเน€เธ—เธญเธฃเนเน€เธเนเธ•เน€เธเนเธเธเนเธญเธเธ—เธฒเธเธเธฒเธฃเธฃเธฑเธ-เธชเนเธเธเนเธญเธกเธนเธฅ เนเธ”เนเธญเธขเนเธฒเธเธชเธฐเธ”เธงเธ
           เนเธฅเธฐเธฃเธงเธ”เน€เธฃเนเธง เธ—๏ฟฝเธฒเนเธซเนเธฃเธฐเธเธเธเธฒเธฃเธเนเธฒ เธเธฒเธฃเธฅเธเธ—เธธเธ เธเธฒเธฃเธเธเธฒเธเธฒเธฃ เน€เธเธฅเธตเนเธขเธเนเธเธฅเธเนเธเธเธฒเธเน€เธ”เธดเธกเธญเธขเนเธฒเธเน€เธซเนเธเนเธ”เนเธเธฑเธ” เธเธถเนเธเธเธฑเนเธ
           เธซเธกเธฒเธขเธ–เธถเธเธญเธดเธเน€เธ—เธญเธฃเนเน€เธเนเธ•เนเธฅเธฐเธฃเธฐเธเธเน€เธเธฃเธทเธญเธเนเธฒเธขเธเธฒเธฃเธชเธทเนเธญเธชเธฒเธฃ เธเนเธเธฐเธขเธดเนเธเธ—เธงเธตเธเธงเธฒเธกเธช๏ฟฝเธฒเธเธฑเธเธกเธฒเธเธขเธดเนเธเธเธถเนเธ


           เนเธเธเธฒเธเธฐเธเธนเนเธงเธฒเธเนเธเธฃเธเธเนเธฒเธขเธชเธทเนเธญเธชเธฒเธฃเนเธ—เธฃเธเธกเธเธฒเธเธกเธเธญเธเธเธฃเธฐเน€เธ—เธจ เธ•เธฅเธญเธ”เธฃเธฐเธขเธฐเน€เธงเธฅเธฒเธ—เธตเนเธเนเธฒเธเธกเธฒ เธเธงเธเธเธเธเนเธฒเธงเธชเธนเนเธเธตเธ—เธตเน 14
           CAT เธเธทเธญเธซเธเธถเนเธเนเธเธเธนเนเธงเธฒเธเธฃเธฒเธเธเธฒเธเธเธฒเธฃเธชเธทเนเธญเธชเธฒเธฃเธเธญเธเธเธฃเธฐเน€เธ—เธจเนเธ”เธขเน€เธเธเธฒเธฐเธเธฒเธฃเนเธเนเธเธฒเธเธญเธดเธเน€เธ—เธญเธฃเนเน€เธเนเธ• เธงเธฑเธเธเธตเนเน€เธฃเธฒเธเธฃเนเธญเธก
           เธ—เธตเนเธเธฐเน€เธเนเธเธเธฑเธเน€เธเธทเธญเธเธช๏ฟฝเธฒเธเธฑเธเนเธเธเธฒเธฃเธฃเธฑเธเธกเธทเธญเธเธฑเธเธเธงเธฒเธกเน€เธเธฅเธตเนเธขเธเนเธเธฅเธเธ—เธฒเธเน€เธ—เธเนเธเนเธฅเธขเธต เธฃเธงเธกเธ–เธถเธเธเธฑเธเน€เธเธฅเธทเนเธญเธเน€เธจเธฃเธฉเธเธเธดเธ
           เนเธฅเธฐเธเธเธดเธฃเธนเธเธเธฃเธฐเน€เธ—เธจเนเธเธชเธนเนเธเธฒเธฃเน€เธเนเธ โ€เธ”เธดเธเธดเธ—เธฑเธฅเนเธ—เธขเนเธฅเธเธ”เนโ€ เธญเธขเนเธฒเธเน€เธ•เนเธกเธ เธฒเธเธ เธนเธกเธด






                                                                  เนเธเธ•เธดเธเธฒ เนเธเธเนเธจเธฃเธต
                                                                เธเธฃเธฃเธ“เธฒเธเธดเธเธฒเธฃเธเธฃเธดเธซเธฒเธฃ</code></pre>
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