We believe that sustainability begins from within the organization, everyone from the top management level throughout the entire organization are accountable for conducting business in an ethical, sustainable and socially responsible manner.

Consumer financing is a personal business, our employees must interact with our customers – and our customers’ customers – in a way that communicates integrity and respect.

To safeguard compliance and support transparency, we will encourage an open dialogue on any issue, internally and externally. All employees shall have thorough knowledge of PAM's policies and know how to proceed if they detect behavior that violates PAM's policies. PAM is determined to run its operations with a best practice attitude towards human rights, employment and the way we treat our fellow workers and those we meet through our work.

PAM shall act with professionalism, expertise and high ethical standards at all levels. PAM shall have a strong global commitment, anchored in our core values and the way we run our business. PAM shall comply with applicable laws and regulations and act in an ethical, sustainable and socially responsible manner. This, combined with our vision statement and corporate principles lay the foundation for all work within corporate social responsibility.

PAM is one of the strongest financial backed-up debt management companies and buyers of NPL portfolios in Northern of Thailand. As a business unit of Hylife Group, an international funding company, we are capable of investing hundreds of millions baht annually in debt purchases. Our goal in the near future is to be listed on the Thailand and Singapore Stock Exchange Market within 2025