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    Thailand's female-heavy demographics are shaping its workforce. That changed last year when Kattiya Indaravijaya was promoted, joining a team of presidents at Thailand's third-largest bank by assets. And if national demographics and the company's employee profile are any guide, chances are she will not be the last: Kasikornbank has twice as many female employees as male. While Asian economic powerhouses India and China have an unnatural male surplus -- and associated costs to business and the economy -- Thailand has a natural female surplus. Its gender ratio stood at She dismissed the idea that there was any business reason to try to redress the balance.
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    An established Southeast Asian bank was seeking growth and believed that the youth market could represent a huge opportunity. Not only were customers under 30—the so-called Millennial generation—a large proportion of the population, but they also were less likely to have a strong banking relationship. Moreover, while customers aged were unprofitable, consumption of financial services ramped up at around 25 years of age. So the challenge was to find a profitable way to capture Millennials early to build lifetime loyalty. These customers sought a simpler, more customer-centric approach that offered the freedom to bank when and where they wanted. They wanted a bank that was still safe and secure, yet also provided solutions rather than bureaucracy, friendly service, and a sales approach that wasn't a "hard sell"—a bank that listened. To capture these customers, BCG worked with the bank to define a new, innovative sub-brand with a separate business model.
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