JUNE
Platform starting point:
‘Help small people’
As COVID-19 spread across Thailand In April 2020, numerous restaurants had to adapt by joining food delivery platforms to maintain access to their customer base. Nonetheless, the bank discovered that over 50 percent of small restaurants remained unlisted on any platform due to their inability to afford GP (Gross Profit) or platform usage fees. Furthermore, their limited cash flow was exacerbated by delayed payments from the service platform. Meanwhile, delivery riders faced the challenge of providing advance payment for customers’ food orders. They also sought fair compensation and desired societal recognition for their honorable profession.
Based on the identification of the aforementioned issues or pain points, the development of ‘Robinhood’ commenced, taking approximately 3 months to create the system, followed by 2 months of testing. Throughout this process, the customer’s perspective and experience served as the foundation and guiding principle.
26 OCTOBER
Formal launch of the ‘Robinhood Food Delivery’ – Thai app for Thais
Driven by the desire to assist and uplift restaurant entrepreneurs, particularly small establishments, and with a steadfast commitment to standing alongside Thai society in every circumstance, Robinhood officially launched its services, offering unique strengths.
1. No platform fee and GP fee, thereby, granting them the opportunity to boost their revenue and profit without incurring any additional costs associated with utilizing online platforms.
2. Merchants receive cash within 1 hour after food and beverages are delivered to customers’ homes, providing them with cash flow to expand their business during the economic crisis.
3. Riders receive a fair income without any commission deductions, and they also receive compensation for their food delivery services on the same day and with 24-hour protection insurance.
4. The payment system operates entirely through digital transactions, ensuring the safety of all parties involved. This eliminates the need for cash handling, and riders are relieved of the burden of providing advance payment for customers’ food orders.
JUNE
Launch of Robinhood Rider Application with ‘Robinhood EV Bike’ model The first Thai food delivery elevating the quality of life of riders and a sustainable environment
In addition to the store, another small person who is important to the food delivery business are ‘Deliverers’ or’ Riders’. An important piece of the puzzle, they are not just food delivery persons. They deliver happiness through food to Robinhood customers.
The Robinhood Rider Application has been developed with the purpose of providing enhanced job distribution system management, with the goal of boosting riders’ incomes, expanding job opportunities, and broadening their horizons. It warmly welcomes individuals who aspire to embark on a career as riders, regardless of whether they possess their own motorcycles. In collaboration with esteemed electric motorcycle service providers in Thailand, ETRAN and H SEM, the application also offers a convenient option for riders to rent electric motorcycles (EVs) on a daily basis. Remarkably affordable, the rental fee stands at a mere 120 baht per day. This initiative not only aims to increase career prospects and uplift the quality of life for Robinhood riders amid the current delicate economic climate but also strives to contribute to the creation and advancement of an environmentally friendly electric vehicle ecosystem in Thailand.
JULY
‘Free Shipping on All Orders During Lockdown’ campaign to help alleviate the suffering of people in society.
In response to the severe and widespread epidemic situation in July, the government announced a lockdown in the most controlled and strict areas. SCB and Robinhood consequently implemented special measures, offering ‘Free shipping on all orders’ from July 11 to August 2, 2021. The aim was to alleviate the financial burden on customers by providing free food delivery with every order. This initiative served to support restaurants, particularly small merchants, by generating orders and income to sustain their businesses. Additionally, it created opportunities for additional job openings for riders. It is hoped that these special measures will serve as a model, encouraging those in influential positions to contribute to society and provide support to those facing challenging times. This initiative aims to offer relief and assistance to those in need.
MAY
Launch of ‘Robinhood Travel’ with Zero Commission position
Providing Online Travel Agent (OTA) services, including accommodation bookings, plane ticket reservations, travel activities, car rentals, and insurance to help tour operators across Thailand with an original Zero Commission stance, Robinhood plans to continue campaigning with hotels and small resorts in 2023, operating under the concept of being more environmentally friendly.
SEPTEMBER
Launch of ‘Robinhood Mart’ with lowest GP, not over 15%
Providing services for ordering fresh products from over 4,000 partner stores, including exclusive stores only available on Robinhood such as HomePro and EVEANDBOY, our platform offers four key points: fast delivery, no need to wait; lowest GP in the market; selection of premium products; and a 24-hour call center.
APRIL
Launch of ‘Robinhood Express’
Providing document and parcel delivery services, catering to both B2C (Business to Customer) and C2C (Consumer to Consumer) needs, our service is distinguished by four key points: fast delivery, confidence, professional riders, and 24-hour care. This offering aims to expand options for customers, particularly online stores, and businesses, by providing swift delivery within a single day. This not only reduces the costs associated with conducting business but also aligns with the preferences of modern consumers who seek immediate product delivery. Additionally, our service presents an opportunity for riders to increase their earnings.
Expanded services to Robinhood Ride
that obtained a license for operation in mid-2022, encompassing not only traditional ride-hailing but also electric vehicle services in the form of subscriptions (EV Subscription). Additionally, we provide various financial products, including digital credit and insurance options, to cater to the diverse needs of our customers.
SCB launched the ‘Start Now’ initiative in 2024
to turn sustainability challenges into growth opportunities for SMEs. This project focuses on raising SMEs’ awareness and understanding of modern business practice in an era where environmental, social, and governance (ESG) considerations are as critical as financial performance. Drawing on insights and lessons learned from previous SME training programs, the initiative aims to help SMEs sail through emerging ESG trends and stay buoyant in the face of changes. SCB was honored with the Prime Minister Award: Innovation for Sustainability in 2024, presented by NIA and the Ministry of Higher Education, Science, Research and Innovation (MHESI). This award highlights SCB’s outstanding achievements in harnessing innovation to drive sustainability, mitigate environmental impacts, enhance quality of life, and promote climate change adaptation. The accolade also recognizes the success of the NIA X SCB Innovation-Based Enterprise (IBE) program, now in its 5th year for Sustainable Enterprise, which champions ESG-driven business practices to tackle GHG emissions and improve energy efficiency across 63 SMEs in various industries.
Performance as of 2025
Provided support to 2,017,681 individuals
and 32,515 enterprises
SME Empowerment Initiatives
SCBX Group’s ambition to support Thai SMEs in growing and thriving amid the digital and green economy transition. By combining “financial power” with “knowledge, tools, and business supports,” the Group continues to deliver holistic solutions that address both financial and nonfinancial needs, thus equipping Thai entrepreneurs with skills and resources to stay buoyant in a competitive landscape.
SMEs Empowerment Initiatives by SCB
Customer
Centric
Full-Service
Financial Support
Digital Business
Solution
Course
and Seminar
Grounded in deep customer insight, SCB delivers best-in-class financial solutions, comprehensive advisory support, and knowledge sharing to SMEs clients. The Bank also adjusts its operation to align with the changing business environment, while strengthening employees’ capabilities as trusted business advisors to help clients grow sustainably and competitively.
SCB offers a broad suite of loans and financial solutions tailored to the specific needs of SMEs clients. This is complemented by business management advisory, financial planning, operational efficiency, and sustainable growth strategies to help Thai SMEs remain adaptable and resilient amid economic volatility
To support sustainable business expansion in the digital era, SCB leverages technology to enhance its innovation capabilities. Through accessible digital financial services and platforms, the Bank enables clients to accelerate digital transformation and unlock new growth opportunities
SCB organizes year-round training programs and seminars to strengthen SMEs capabilities across critical areas, including financial and family business management, international trade, AI deployment, digital platforms, green business transition, and sustainable development— equipping Thai SMEs with practical insights to effectively translate learning into business impact.
SCBX Group through SCB has continuously empowered Thai SMEs via the SME Academy since 2019. In 2025, SME Academy offered seven comprehensive courses to equip Thai entrepreneurs with essential knowledge and skills needed for long-term success.
The DOTs Bootcamp Family Business
A capability-building program to equip second generation business leaders with essential skills in business, family relationships, and financial management for a smooth generational transition and long-term sustainability.
Future Smart Reduction Bootcamp
A program to enhance the competitiveness and resilience of Thai entrepreneurs through sustainable cost reduction and efficient resource utilization.
Future Smart Reduction Bootcamp
A program to enhance the competitiveness and resilience of Thai entrepreneurs through sustainable cost reduction and efficient resource utilization.
SCB KX: SMEs Navigator to Tech-Driven Growth
A learning platform combining hands-on workshops, case studies, and access to networks, digital tools, and funding opportunities to accelerate SMEs’ technology adoption and competitiveness.
Family Wealth & Wellness
An exclusive invitation-only event focused on holistic family wealth and wellness management. The event deepens SCB relationships with clients and their successors, reinforcing the Bank’s role as a trusted financial partner across generations.
The DOTS 5th Family Power: Legacy to the Future
Family business program for SMEs successors to foster a deep understanding of family business operations, strategy, and values, alongside the strategic capabilities needed to identify new opportunities and drive sustainable growth.
SCB IEP 19 Paradox CODE: Decoding Leadership in the AI Age
A leadership program to equip SMEs leaders with a ‘Paradoxical leadership style’ that enables sustainable growth by leveraging AI and digital technology in strategic decision-making, cost optimization, and operational efficiency.
722 SMEs
joined the training in 2025
For more information on SME Academy courses, please click here.
Enhancing the capabilities of SME businesses to achieve long-term success in the future
Thai SMEs face fierce competition in both domestic and international markets, constantly encountering diverse environments and factors that challenge their abilities, particularly in the realm of knowledge development, which serves as the cornerstone for sustainable growth. Recognizing this, the SCBX Group by SCB has diligently pursued the SCB SME Academy project since 2019, ensuring its continuous implementation. The academy aims to be a business knowledge community that nurtures the all-round potential of SMEs. It offers five main courses that provide in-depth knowledge imparted by qualified mentors and successful businessmen.
Financial Products and Services
Promoting Financial Capability and Health
Vulnerable Groups
Investing in High-Potential Tech-Companies and Startups Globally
Promoting Education and Social Well-Being
