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
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.
SCBX Group and its subsidiaries offers various digital lending services to unlock access to lending for underserved groups.
AutoX introduced a title loan product for non-bank customers who own motorcycles, cars, trucks, or agricultural vehicles for work and require short-term financial support. The solution is also designed to support microbusinesses, rural populations, and individuals with health conditions or impairments, including elderly customers up to 65 years old—reinforcing AutoX’s commitment to inclusive financial access.
FY2024 Performance:
Number of Clients reached
210,000 people
Number of transactions/contracts
246,000
MONIX offers FINNIX – a digital nano lending app supporting financial access and capability
100% AI-powered Nano Finance Service
- Fastest approval within 5 seconds
- Paperless process, saving over 1.5 billion sheets of paper
- Creating opportunities for underserved individuals to achieve financial stability through the F.I.R.E ecosystem strategy.
Empowered 940,000 customers with financial services, fostering inclusion.
Enabled 12,200,000 transactions driving personal financial growth.
SCB has launched Fraud Fighter, a nationwide financial and digital fraud literacy campaign aimed at empowering Thai people with the knowledge and skills to combat increasingly sophisticated cyber threats.
Serving as a comprehensive digital knowledge hub, the campaign offers practical tools to help individuals recognize scams, understand fraud tactics, and carry out online transactions with greater confidence.
In 2024, the campaign achieved over 95 million impressions, reflecting its significant reach and impact across the country.
The campaign features easy-to-understand content based on real-world fraud cases, presented in innovative and engaging formats across multiple channels. These include a video content series on YouTube and TikTok, practical tips and resources published on the dedicated SCB Fraud Fighter website, as well as targeted training sessions for vulnerable groups — particularly the elderly, who are often primary targets due to lower financial and digital literacy and who may face severe consequences if defrauded of their life savings.
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
