Bangkok, 8 July 2025 – FINNIX, the humanized AI-lending platform by MONIX Co., Ltd., under SCBX Group, celebrates its 5th anniversary of empowering Thai people with access to legal financial opportunities and helping them break free from predatory lending. To mark this milestone, the company unveils key business insights and user behavior data from over 5 million users nationwide, alongside launching a new campaign titled “The Life Fighters” to honor and support underserved individuals or Life Fighters by giving them confident access to legal loans. FINNIX also sets a new benchmark in the digital lending industry with its latest feature: “Instant Approval in 5 Seconds,” designed for the underserved people in the fast-paced AI era and reinforcing its position as a true leader in digital lending innovation.
Over the past five years, FINNIX has helped more than 1.2 million low-income Thais escape predatory lending, disbursing over 46 billion baht in loans. The app has consistently maintained a low non-performing loan (NPL) rate in the single digits, demonstrating strong business growth and effective risk management. FINNIX’s mission is to create opportunities for low-income earners through its concept “The Platform of Opportunities” and its strategic F.I.R.E. Ecosystem, which includes four key pillars: Finance (access to fair and legal funding), Intel (understanding financial behavior), Reward (building financial discipline), and Empowerment (enhancing income and financial literacy). This holistic approach aims to foster long-term financial stability and well-being.
An in-depth analysis of FINNIX app user data over the past five years reveals valuable insights into underserved individuals, covering demographics, usage behavior, repayment patterns, and the positive outcomes of using the service. These findings are categorized into five key dimensions as follows:
- Customer Demographics: The majority are Gen Y (67%), with 64% being female. About 58% are freelancers or low-income employees with a second job, and 57% earn less than 20,000 baht per month. Over 60% of users live outside Bangkok, with the Northeast region showing the highest growth.
- Usage Behavior: Most loan applications occur on the 1st of the month, especially during lunchtime from 11:00 AM to 12:59 PM. Notably, around 50% of customers have remained loyal to FINNIX for nearly five years since their first day as customers, reflecting strong trust in the platform.
- Repayment Behavior: Around 70% of FINNIX users have good credit scores. Gen X users demonstrate the highest repayment discipline, and provinces with strong financial behavior include Phuket, Chonburi, Chiang Mai, Bangkok, Samut Prakarn, and Pathum Thani. Moreover, new customers tend to show better financial behavior than existing ones, highlighting the effectiveness of FINNIX’s AI-powered credit underwriting model.
- Financial Potential: More than 40% of users have received credit limit increases thanks to good financial behavior, with 20% of them received limits twice as high as their original amount. This reflects a significant improvement in their ability to build and maintain strong credit profiles. Additionally, customers have actively redeemed FINNIX Coins—earned through timely loan repayments—for interest discounts, with total redemptions exceeding 8.3 million baht. This not only helps reduce financial burdens but also encourages responsible financial habits.
- Income and Financial Literacy Enhancement: Over 157,000 users have had opportunities to earn extra income through job opportunities offered by FINNIX’s partners via the app, while more than 62,000 users have improved their financial knowledge through the online learning program “Money Wise, Happy Life.” These initiatives affirm that FINNIX is more than just a loan app—it truly helps underserved people achieve financial wellness and happiness.
Ms. Thiranun Arunwattanakul, Chief Operating Officer of MONIX Co., Ltd., stated, “FINNIX has stood by underserved Thais through every challenge over the past five years, including the COVID-19 crisis, natural disasters, and economic hardships. We have witnessed their unwavering determination to rise above adversity and build better lives for themselves and their families. That’s why we call them ‘Life Fighters.’ They inspire us to continuously improve and innovate FINNIX. In response, we have elevated FINNIX to become ‘The Platform of Opportunities for Life Fighters,’ aiming to honor, support, and stand beside every Life Fighter.”
The newly launched “The Life Fighters” campaign reflects FINNIX’s commitment to supporting underserved individuals across Thailand. Featuring a fighting-themed game that is fun, relatable, and mirrors real-life financial challenges, the campaign stars “FINNY,” the brand mascot, who joins customers on their journey, offering encouragement and support. The centerpiece of the campaign is the revolutionary “Instant Approval in 5 Seconds” feature, providing quick and legal access to funds anytime, anywhere and empowering Life Fighters to tackle any financial challenge in life. Watch the campaign video here: https://youtu.be/RoyIZZvLa1o.
“We’re deeply grateful to over a million customers who have supported FINNIX throughout the past five years—from our early beginnings as ‘Hahi Money’ to the FINNIX app we know today. We are committed to walking alongside every Life Fighter on their daily journey to earn a living for their beloved ones. In return for the trust and love our customers have shown us, we will continue to improve and enhance the app. The launch of the ‘Instant Approval in 5 Seconds’ feature is just the beginning. More exciting features are on the way, designed to thank our Life Fighters and support their journey toward lasting financial wellness and happiness.” Ms. Thiranun concluded.
For Further Inquiries, Please Contact:
Wanida Tripanyakul (Ning), PR & Corporate Communications Specialist, Phone: +66652953547, Email: [email protected]
Natthapong Inpo (Nat), Head of Marketing, Phone: +66925144965, Email: [email protected]
About MONIX Co., Ltd.
MONIX Co., Ltd. is an international joint-venture fintech startup company between Thailand’s leading financial business SCBX Group and China’s fintech unicorn Abakus Group. Founded in 2020 with the aspirational vision of creating opportunities for people to prosper and enjoy life, the Bangkok-based company provides “FINNIX,” the cutting-edge financial platform for financial inclusion powered by the unrivaled machine learning and artificial intelligence superpower. MONIX aims to make the FINNIX app the No. 1 financial application in Southeast Asia and become the best financial friend ever. For more information, please visit www.monix.co.th and www.finnix.co. Download media assets at https://bit.ly/MONIX-PublicFolder-Media.
