Flows to Sell Commerce and IE ( CPALL and WHA) ***Research Upgrade TU to Outperform from Neutral / raise target price to Bt 17.50 from Bt 16 with Earnings turnaround in 2567***Asset Allocation to USD and Crypto Bond and upside for Gold and Oil ***Disappoint on Delayed Digital Wallet and US ECB cut interest rate *** Cut Thailand GDP/ EPS/ and SET Index target