The SCBX Group is dedicated to harnessing technology and innovation to boost the efficiency of service enhancement and new product development. This is particularly crucial in the realm of digital financial transactions that meet the demands of today’s customers. Our aim is to provide convenient access to financial services for everyone, every day, everywhere, and anytime while simultaneously tackling household debt issues and diminishing the nation’s informal debt problem.
The SCBX Group is dedicated to harnessing technology and innovation to boost the efficiency of service enhancement and new product development. This is particularly crucial in the realm of digital financial transactions that meet the demands of today’s customers. Our aim is to provide convenient access to financial services for everyone, every day, everywhere, and anytime while simultaneously tackling household debt issues and diminishing the nation’s informal debt problem.
The Banking Business Group
We aim to cater to the needs of customers and expand opportunities for Thais from all walks of life to access financial services. As a digital bank, we deliver a seamless financial service experience across all channels with financial products tailored to suit all customer groups.
Part of our commitment to promoting financial inclusion for retail clients and sSMEs
SCB EASY App
SCB is committed to delivering a best-in-class digital banking experience with seamless access to essential financial services for individual customers. The Bank consistently offers enhanced features on the SCB EASY application to ensure convenient, fast, and secure transactions—supported by robust system stability to provide uninterrupted services anytime, anywhere.
Key Features
Cardless ATM
Lost your wallet?
No worry.
Go for cardless ATM on
the SCB EASY app
Service Center
All-in-one hub of
financial transactions
and services
EASY Store
Hub of
hyper-personalized
services for you
MY ALERT
Notification service
for investment
updates on
SCB EASY App
WEALTH4U
Mutual fund
recommendations
tailored to your
preferences
Insurance
Wide selection of insurance
products that come with EASY
Protect Advisory—a self service
assistant to help you
find the right insurance plans
18.5 million
SCB EASY users increasing
from 18.1 million users in 2024
81%
are active
monthly users
SCB Connect
SCB Connect is a key digital touchpoint tailored to modern user behaviors and preferences. Conveniently available via the LINE application, SCB Connect enhances customer experience by offering fast, secure, and user-friendly access to financial services. In 2025, the platform reached over 12.9 million users, increased from 12.2 million users in 2024.
Key Features
LINE Alert
Real-time notification for Financial transactions from Deposit accounts, Cards and Loans
Chatbot Intelligent Assistant
24/7 AI-powered assistant providing information on financial products and services, investment funds, and related inquiries
Reminder Service
Automated reminders for bill payment, transfers, savings, and more
Balance Inquiry
Access to balances across deposit accounts, cards, loans, and more
Financial Service Channels
Through nationwide service channels, ATMs, and banking agents, SCB works to ensure convenient access to financial services anytime, anywhere—particularly for customers in remote areas with limited mobile banking access.
Service Channels ¹
669 channels
from 689 channels
in 2024
ATM/CDM
9,231 ATMs
from 9,849 ATMs
in 2024
Banking Agent
10
banking agents operating
over
29,394,781
million transactions
¹ Inclusive of branches, express points, business nodes and investment centers.
Consumer Finance and Digital Finance Group
With the goal of promoting simpler and more secure financial access, the SCBX Group continues to strengthen our digital finance platforms by employing artificial intelligence (AI) and machine learning (ML) technologies as well as alternative data to underwrite loans and deliver financial solutions that best suit clients’ ability and willingness to repay.
Fostering Credit Access for the Underserved
SCBX Group remains firmly committed to expanding credit access through a broad range of digital lending solutions for underserved customers. The Group seeks to improve quality of life, promote financial resilience and support greater socio-economic equality across Thailand.
Ngern Chaiyo
‘Helping Thai people break free from financial stress, so everyone can happily shout “Chaiyo” once again.
Guided by the three core principles of ‘Understanding-Accessible-Reliable,’ Auto X Company Limited (AutoX), a subsidiary of SCBX Group, offers title loan solutions under the ‘Ngern Chaiyo’ brand to expand access to formal finance for underserved customers. Ngern Chaiyo provides fast, convenient, and transparent credit for SMEs, people in rural and remote areas, individuals with health conditions or disabilities, and elderly customers who often encounter barriers to traditional lending. With Ngern Chaiyo, customers can apply for loans by using their assets— such as vehicle registration documents for cars, motorcycles, and pickup trucks, as well as land title deeds—as collateral. By unlocking liquidity for the underbanked, Ngern Chaiyo contributes to sustainable employment and economic opportunities.
In 2025, AutoX continued to expand access to formal funding both via offline channels at 2,011 Ngern Chaiyo branches nationwide and online channels, where customers can find and follow Ngern Chaiyo accounts across all social media platforms. Apart from that, Ngern Chaiyo has leveraged AI to enhance the quality of loan offerings to ensure accuracy, fairness, and compliance with the Bank of Thailand’s regulations.
MoneyThunder
‘‘The loan app that truly understands you’
ABACUS digital Company Limited (ABACUS digital), a subsidiary of SCBX Group, aspires to foster a fair and inclusive financial ecosystem. To support this ambition, ABACUS digital has launched ‘Money Thunder’—an online lending platform that harnesses AI, machine learning, proprietary technology stack, and alternative data to enable
advanced credit assessment as well as risk management across diverse customer segments. In particular, MoneyThunder aims to empower traditionally underserved populations—including thin-file borrowers who often face barriers to obtaining credit from traditional banks or financial institutions and typically turn to rely on informal lending channels. These customers could range from the self-employed without regular income documentation to merchants operating mainly on cash basis. By expanding access to safe, transparent, and fair funding sources, MoneyThunder supports ABACUS’s mission to “give everyone a real chance at a better life through safe and simple access to finance”—thus uplifting underserved populations while contributing towards an inclusive financial future.
MoneyThunder also received the Social Contribution Award at the 7 Innovation Awards 2025 for advancing financial inclusion through technology-enabled lending. This achievement underscores ABACUS digital’s commitment as a leading Thai fintech company to harnessing technology and fostering financial opportunities —with the goal to reduce reliance on informal lending while enabling broader access to secure, transparent, and fair credit solutions.
FINNIX
‘Creating Opportunities for Life Fighters to Prosper and Enjoy Life’
MONIX Company Limited (MONIX) is a global fintech startup formed through a joint venture between the SCBX Group and China’s fintech unicorn, Abakus Group. Steered by the vision to advance financial well-being for Thai people, MONIX offers nano-finance solutions through the ‘FINNIX’ application to expand access to formal loans for underserved users, particularly lowi ncome earners and individuals without income documentation. Since its launch over the past five years, FINNIX has rescued more than 1.5 million low-income earners from predatory lending, with total approved loans exceeding 61 billion Baht. FINNIX operates under the concept of ‘The Platform for Life Fighters’ and the ‘F.I.R.E. Ecosystem’ strategy to deliver impact at speed.
At the core of FINNIX’s innovation is a deep, data-driven understanding of user behavior, derived through comprehensive analysis, research, and regular assessments. This approach helps FINNIX identify hidden needs beyond credit access and promptly translate insights into upgrade features, thus reinforcing its position as a platform of opportunities that stands beside every life fighter and helps Thai people escape the vicious cycle of debt.
MONIX launches “Money Wise, Happy Life” – a free e-learning program promoting financial literacy for everyday life.
Highlighting the strong interest among Thailand’s Gen Y in improving their money management and debt-handling skills.
Over 30,000 learners joined in 2024, primarily via smartphones.
This trend reflects a growing demand for accessible, easy-to-understand financial knowledge to enhance everyday financial stability – and underscores opportunities to expand access to financial education for Thais in the future
Promoting Financial Capability and Health
Vulnerable Groups
Empowering SME Entrepreneurs
Investing in High-Potential Tech-Companies and Startups Globally
Promoting Education and Social Well-Being
