5 บัญชีจาก 5 แบงค์? — สรุปทั้งปีแบบมินิ-Mint ให้ไทย — ไม่ต้อง export e-statement ไม่ต้อง Excel

Source signals

• SIG-20260426-sea-mainland-personal-money-th-multi-bank-yearly-summary-gap: "เห็นเพื่อนลงสรุปยอดรายปีทั้งปี เงินเข้า-ออก รวมถึงยอดเงินการใช้จ่ายทั้งหมด เรารู้สึกว่ามันสะดวกดี แต่เราไม่ได้ใช้ของ Kbank และหาฟังชั่นของสรุปยอดรายปียังไม่ได้ ได้แต่รายเดือน และแยกเป็นเดือนๆเท่านั้นใน SCB"

What we ship

**Core features (MVP)**

• **PDF e-statement upload**: user downloads monthly/annual e-statement from bank app (most banks issue free PDF) → uploads to our app → Claude parses. 5 banks at launch: KBank, SCB, BBL, Krungthai, Krungsri (each has different PDF format)
• Auto-categorization: Claude classifies each transaction (ค่าอาหาร / ค่าเดินทาง / ค่าผ่อนคอนโด / เงินเดือน / ค่าน้ำค่าไฟ / shopping / entertainment / health / ลงทุน). User can re-categorize, model learns
• **Year-in-review dashboard**: main screen shows "เงินเข้า — เงินออก" by year, KBank-style summary but cross-bank. Donut by category, monthly trend line
• Tax-prep helper: for PND 91 (salary only) or PND 90 (multiple sources) — shows total income, splits by salary / freelance / dividends / interest, prefills sums
• Privacy-first: uploaded statements auto-purge after 7 days post-parse. Only parsed transactions persist
• Multi-currency support for users with USD/SGD accounts (small subset, valid for expats and international freelancers)
• PromptPay statement integration: download PromptPay history (TH BoT format) → app shows who-how-much-why for the year

**Primary user flow**

1. Landing "5 บัญชี 5 แบงค์? สรุปทั้งปีของคุณ ใน 5 นาที" + cross-bank dashboard screenshot

2. LINE Login → quick onboard

3. Upload step 1: KBank annual PDF → Claude parses in 30s → 1,247 transactions classified

4. Upload step 2-5: SCB, Krungsri, BBL, Krungthai → cumulative 5K transactions

5. Year-in-review screen: "2025: in 1,847,500 THB, out 1,623,400 THB, save rate 12.1%. Top: condo 28%, food 14%, transport 9%"

6. Pricing trigger: 3 uploads/month free, then 99 THB/mo unlimited

**What it looks like**

• **Landing**: hero "5 บัญชี 5 แบงค์? — ดูทั้งปีในที่เดียว ฟรี 3 ครั้ง" + dashboard screenshot "2025: in 1.85M / out 1.62M / save 12.1%"
• **Main app screen**: top KPI tiles (total in / out / save rate), category donut, monthly line chart, top 10 merchants ("7-Eleven 47K", "Grab Food 38K"), per-bank breakdown
• **Output / notification**: PDF year-summary — 1-pager for personal records or tax prep

**MVP build plan (10 days)**

• Day 1-2: backend (User, Statement, Transaction, Category), JWT, LINE Login
• Day 3-4: PDF parser for KBank statement (Claude prompt + format patterns)
• Day 5: parsers for SCB + Krungthai + Krungsri + BBL (4 formats)
• Day 6: auto-categorization (Claude) + user feedback loop
• Day 7: year-in-review dashboard + per-category breakdown + monthly trend
• Day 8: TH landing + Omise subscription + PDF year-summary export
• Day 9: tax-prep helper (PND 90/91 totals) + privacy auto-purge cron
• Day 10: deploy + soft launch via Pantip /finance + Aommoney.com guest post "ทำสรุปสิ้นปีของ 5 ธนาคารใน 5 นาที"

Reasoning

Mint dominated the US in the pre-bank-aggregation-API era; TH has the same multi-bank pain (typical: 3-5 accounts at different banks) but no TH Mint. TH Open Banking is not yet mature (ITMX API not publicly accessible, on BoT roadmap but without consumer endpoints), so **PDF e-statement upload + Claude parsing** is a realistic bridge. Pantip complaint "หาฟังชั่นของสรุปยอดรายปียังไม่ได้" is recurring across users and banks. 10-day build is realistic — each bank's PDF has a stable format, Claude parses structured Thai text well. Privacy-first positioning is critical differentiator (no one wants to give bank login to an unknown app, especially after 2024 TH banking scandals). Recurring revenue strong — year-over-year habit; 99 THB/mo × 10K paying = ~$340K USD ARR target. **Caveat**: TH Open Banking will eventually arrive (BoT roadmap targets 2027), and our PDF-upload model becomes obsolete — but by then we'll have user base + data brand and can pivot to API-based.

Quick competitive read

TH market scan — 0 cross-bank aggregators:

• **Make by Kbank**: KBank-only year summary; the feature that triggers Pantip jealousy
• **SCB Easy**: month-only, no annual aggregate, no cross-bank
• **KMA Krungsri Plus / Krungthai NEXT**: same limitation
• **Money Lover, Spendee** (apps): manual entry or CSV import, no PDF parsing, not TH-localized
• **Excel + Google Sheets**: status quo
• **iTAX**: tax calculator, not aggregator
• White-space: **TH-localized PDF e-statement aggregator + AI auto-categorization + year-in-review dashboard** — none on market. Competitive pressure 8/10.

Initial pricing hypothesis

Freemium: 3 statement uploads/mo free (single-bank try). PRO 99 THB/mo — unlimited uploads + 5-bank cross-aggregation + year-in-review PDF + tax-prep helper. Premium 199 THB/mo — multi-currency + receipt OCR + budget alerts + family-shared accounts. 10K paying × 99 THB × 12 mo = 11.88M THB ≈ $340K USD ARR year-2 target. Lifetime value high (annual habit, low churn).

Distribution hypothesis

Pantip /finance soft-launch by replying to "หาฟังชั่นของสรุปยอดรายปียังไม่ได้" questions (recurring in /home /finance each Q4). Aommoney.com guest post "ทำสรุปสิ้นปีของ 5 ธนาคารใน 5 นาที" — TH largest personal finance content site. SEO on "สรุปรายปี SCB", "สรุปรายปี Krungthai", "TH Mint". Facebook groups: "ออมเงินกัน", "Money Diaries Thailand". Influencer marketing — Aommoney YouTube channels (TheMoneyCoachTH, Tnnaht). Annual paid campaign October-December.