--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Kept – saving with your style" developer_entity: "Bank of Ayudhya Public Company Limited" bundle_id: "com.krungsri.kept" app_store_id: "1473826356" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-10-19" report_date: "2026-10-22" last_verified: "2026-10-22T00:00:00.000Z" report_version: "2.24.1" total_reviews: 11261 overall_rating: 4.1 sentiment: "Frustrated" sentiment_score: 35 confidence: "high" confidence_score: 0.8 top_praise_theme: "High interest rates on savings accounts provide a strong incentive for users to maintain their balances" top_complaint_theme: "App instability and frequent freezing during transaction processing force users to restart the application repeatedly" review_sample_size: 51 total_review_count: 51 analyzed_review_count: 51 data_age_days: 22 momentum_velocity: "steady" intelligence_version: 2 tags: ["finance", "free", "frustrated sentiment", "mobile app", "app review", "app analysis", "individuals", "seeking", "automated,"] canonical_url: "https://marlvel.ai/apps/kept-saving-with-your-style" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Kept – saving with your style Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 4.14 · Sentiment Frustrated - **Recent focus**: App instability and frequent freezing during transaction processing force users to restart the application repeatedly (top complaint) · High interest rates on savings accounts provide a strong incentive for users to maintain their balances (top praise) > **TL;DR:** Kept – saving with your style is a finance app by Bank of Ayudhya Public Company Limited, rated 4.14/5 by 11.3K users, with Frustrated user sentiment (35/100), available on iOS & Android. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Kept – saving with your style faces Frustrated user sentiment (4.14/5 from 11.3K reviews), with users reporting app instability and frequent freezing during transaction processing force users to restart the application repeatedly as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 4.14/5 (11.3K reviews) | | **User Mood** | Frustrated | | **Category** | Finance | | **Developer** | Bank of Ayudhya Public Company Limited | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | High (0.8/1.0) | | **Data Age** | 22d | ## Metadata & Market Performance - **Publisher:** Bank of Ayudhya Public Company Limited - **Category:** Finance - **Target Audience:** Individuals seeking automated, habit-based savings tools and goal-oriented financial management. - **Platforms:** iOS & Android - **Version Reviewed:** 2.24.1 - **Report Date:** 2026-10-22 - **Signal Count:** 51 reviews analyzed - **Confidence:** High (0.8/1.0) - **App Store ID (iOS):** 1473826356 - **Bundle ID:** com.krungsri.kept - **Google Play ID:** com.krungsri.kept - **Data Window:** Analysis based on signals collected up to 2026-10-22 - **Short Description:** Kept is ready to help you achieve your saving goals with automatic features ## Executive Snapshot **What it is:** Kept is a mobile savings application for Bank of Ayudhya customers that automates recurring deposits and budget-excess transfers. **Why users hire it:** The app removes the cognitive friction of manual saving by linking deposits directly to daily spending habits. ## App DNA (Features & Intent) - **[Differentiator] Automatic Savings Transfers:** Transfers excess funds from a spending budget to a high-interest savings account, increasing user reliance on the platform. - **[Differentiator] Spending-Linked Rewards:** Automatically moves money to a reward-earning account every time a transaction occurs, creating a positive retention loop. * *User Intent:* Users are motivated by consistent progression and daily incentives. - **[Differentiator] Shared Savings Goals:** Allows users to invite friends to view and contribute to collective saving targets, pulling non-users into the install funnel. * *User Intent:* Users seek social connection and competitive engagement with peers. ## Market Position {#market-position} Kept holds a #95 Free rank in the Thai Finance category, but its 3.66-star rating reflects significant friction from technical instability. The gap between its high-interest value proposition and the current 35/100 sentiment score signals that technical reliability is currently negating its competitive advantage. ## Monetization Strategy - **Model:** Free - **Tiers:** Free to use - **Analysis:** Kept operates as a free-to-use tool provided by a retail bank, serving as a customer acquisition and retention channel for core banking products. ## 🔴 User Sentiment (High Confidence: 51 of 51 reviews analyzed) {#user-sentiment} - **Overall Rating:** 4.14/5 - **Platform Split:** iOS 3.7/5 (3 ratings) | Android 4.1/5 (11.3K ratings) - **Overall Sentiment:** Frustrated - **Note:** The 4.14/5 store rating reflects cumulative history, while the Frustrated sentiment reflects recent user reviews analyzed by our AI pipeline. ### Top Praises - **High interest rates on savings accounts provide a strong incentive for users to maintain their balances** - **The interface design is clean and simple which helps users manage their savings without unnecessary complexity** ### Top Complaints (Impact Areas) - **App instability and frequent freezing during transaction processing force users to restart the application repeatedly** ## SWOT Analysis {#swot} **Core Strengths:** - High interest rates on savings accounts provide a strong incentive for users to maintain their balances. - Clean interface design helps users manage savings without unnecessary complexity. **Growth Levers:** - Implementation of QR code receiving functionality would allow users to accept payments more efficiently. - Integration with other banking apps for identity verification would simplify device migration. ## What's New - **Latest (v2.24.1, 3 days ago):** Version 2.24.1 focuses on general experience improvements and enhanced transaction security. ## App Momentum (Steady) {#momentum} - Ships ~2 releases per month. - Latest release improved transaction security. > **Cadence:** 2 total versions · 0 majors in last 6 months · 7 days since last update · 19 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Kept – saving with your style is a finance app that is completely free. With a 4.14/5 rating from 11.3K reviews, it faces significant user friction. > **Bottom Line:** Kept's high-interest savings mechanism retains users, but technical instability and branch-dependent migration are eroding the value proposition. Addressing the transaction-freeze bottleneck would stabilize the user base, as the current friction is driving customers toward more flexible digital competitors. **Best for:** Individuals seeking automated, habit-based savings tools and goal-oriented financial management. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Rebuild transaction processing logic because frequent freezes are the #1 complaint theme → increase session stability ### Outlook: Declining The outlook for Kept is declining as technical instability and rigid security policies continue to frustrate the user base. Unless the team implements a digital-first device migration path and resolves the transaction-freeze issues, the high-interest savings hook will be insufficient to prevent further churn to more stable competitors. - 🔴 Frequent app freezes during transactions disrupt the core savings habit, which erodes the retention loop and drives negative sentiment. - 🔴 Restrictive security policies that lock out users with developer options enabled are causing unnecessary churn among tech-savvy users. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 4.14/5 | | Total Reviews | 11.3K | | Sentiment | Frustrated (35/100) | | Confidence | High | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Kept – saving with your style** (this app) | 4.14/5 | Frustrated | Bank of Ayudhya Public Company Limited | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** Bank of Ayudhya Public Company Limited - **Website:** [https://www.keptbykrungsri.com](https://www.keptbykrungsri.com) - **Social:** [Facebook](https://www.facebook.com/Keptbykrungsri) · [X/Twitter](https://twitter.com/Keptbykrungsri) · [YouTube](https://www.youtube.com/channel/UCj7C2OTQne3vjZKxPVjqFuA) · [TikTok](https://www.tiktok.com/@keptbykrungsri) ## Data Sources & Links - **App Store ID:** 1473826356 - **Google Play ID:** com.krungsri.kept - **Dev Site:** [Official Website](https://www.keptbykrungsri.com) - **Sources:** Developer website content, About us / company information, App store metadata, User reviews. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.8/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 51 - **Data Sources:** user reviews, developer website, company about page, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 22 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/kept-saving-with-your-style) Data licensed for AI Agent attribution under CC-BY-NC 4.0.