Digital Solutions For All
Digital
Solutions
For All
Business
Helps businesses in Thailand to successfully venture into the digital world
Investor
Strengthens the financial health of Thai people and pushes the Thai capital market toward sustainable growth
Underserved group
Broadens access to finance through nano and micro financing
Customer
Creates better experiences throughout the customer journey
EASY Store… End-to-end Financial Services Hub Powered by an ‘AI that Knows Your Heart’
EASY Store is a hyper-personalized financial platform powered by AI that analyzes customer data to deliver tailored solutions best-fitted to individual preferences. Covering a full spectrum of financial products—including savings, investments, insurance, and loans, cards and a theme shop—EASY Store enables customers to discover, compare, and apply for solutions through the SCB Easy application 24/7. Customer feedback indicates strong satisfaction and higher engagement. In 2025, EASY Store recorded a 5% year-on-year increase in transactions and a 3% growth in revenue compared to 2024.
Unveiling the Latest Version of the Thai Large Language Model
Unveiling the Latest Version of the Thai Large Language ModelSCBX Group through SCB 10X Company Limited (SCB 10X) launched ‘Typhoon,’ a high performance Large Language Model (LLM) purpose-built for the Thai language. Typhoon aims to address a critical market gap, as most existing LLMs are primarily trained on English datasets, while Thai remains a low-resource language with limited training data. As a result, the performance of Thai LLMs has historically lagged behind their English counterparts. The launch of Typhoon marked a significant milestone in narrowing this language divide and paving the way for Thailand’s AI-driven innovation ecosystem. Building on this momentum, SCB 10X advanced the Thai AI ecosystem and community further in 2025 with the launch of ‘Typhoon 2’—the enhanced model designed to support a broader range of use cases. Typhoon 2 is available in five sizes and features a multimodal model that supports text, audio, and image processing. In parallel, SCB 10X debuted Typhoon Isan, the first Automatic Speech Recognition (ASR) model capable of transcribing the Isan language1 using systematic spelling standards. This breakthrough represents a meaningful step toward preserving local dialects and cultural heritage, while strengthening the foundations of Thailand’s digital economy in the long term.
Expanding Investment Opportunities with Cutting-Edge Innovation
In 2025, Against the backdrop of a volatile global economy, diversifying into alternative assets offers new opportunities for investors. Recognizing this trend, Token X Company Limited (TokenX) and Innovest X Company Limited (InnovestX)—subsidiaries of SCBX Group—joined forces to explore innovative investment solutions and launched the Summer Point Token (SUMX) in 2025. SUMX is a digital investment token backed by the Summer Point office building, a high-potential real estate asset that delivers stable and consistent returns.This initiative represents a significant milestone in expanding access to alternative investments, enabling investors to diversify risk and earn rental income without any burden of property management. Investors can conveniently subscribe to SUMX via the Token X application and trade Summer Point Tokens directly through the InnovestX application.
Digital Solution that Addresses Diverse Business Needs
Digital Solution that Addresses Diverse Business NeedsSCBX Group through SCB Tech X Company Limited (SCB TechX) is dedicated to delivering end-to-end technology consulting and systems to drive innovative digital solutions for clients. The company offers cloud solutions, DevOps as a Service through xPlatform, and Electronic Know Your Customer (eKYC). SCB TechX recently launched the Optical Character Recognition (OCR)—a service that converts printed or handwritten documents into ready-to-use digital data. Powered by cutting-edge AI and LLMs, this solution strengthens enterprise-level data management by streamlining high-volume document handling, reducing processing time and data entry errors, and centralizing information into a single data repository to enable more effective data utilization across the organization.
Developed comprehensive digital solutions for all customer groups
COLLINS (Collection Intelligence System)
Traditional debt monitoring was inefficient due to gaps between customer support and borrowers' repayment ability.
AI Adoption:
SCB employs AI to analyze individual risk profiles, prioritize cases, and enhance daily debt management in three key areas: optimizing customer calls, assigning tasks to field agents, and presenting debt restructuring plans.
Market Conduct
SCBX sought to ensure 100% compliance with the Bank of Thailand (BOT) standards for market conduct and responsible lending in loan offers. Still, relying solely on human assessment would require hiring over 5,000 employees, leading to high costs and potential human error.
AI Adoption:
AutoX now employs AI to evaluate loan offers by analyzing voice conversations between branch employees and customers to ensure alignment with BOT regulations.
In the fast-paced world of investing, access to real-time and accurate data is crucial for informed decision-making. However, the overwhelming volume of market data makes it challenging for investors to stay up to date. At InnovestX, 98% of over 1 million clients do not have personal investment advisors and rely on customer service for guidance. Every day, customer service agents (IC agents) handle a high volume of inquiries, yet their expertise varies across different asset classes. This often leads to delays and consistencies in delivering timely and tailored investment insights to clients.
AI Adoption:
InnovestX introduced an AI-powered ‘Co-pilot’ to assist IC agents by analyzing vast datasets from research libraries, market analyses, and investment advisory prepared by analysts. After summarizing massive and frequently updated data with speed and precision, the co-pilot delivers real-time insights to IC agents, who can then verify data sources before offering well-informed recommendations to clients.
CANDA Voicebot/Chatbot
Each month, the CardX Contact Center receives over 200,000 customer calls, a volume that significantly exceeds the current team capacity. This imbalance leads to long wait times and delays in addressing customer concerns.
AI Adoption:
CardX developed ‘Canda’—an AI-powered smart chatbot/ voicebot designed to provide responses, answer inquiries, offer information, and handle basic customer requests 24/7 with speed and accuracy. This helps improve customer service accessibility, thus enhancing customer satisfaction.
Remark: **At present, Canda is available for requests on Speedy Cash and Speedy Loan products.
Launched “TKX Chain Solutions,” an integrated blockchain solution aimed at helping corporate customers jumpstart their journey into the world of digital assets. In 2022, TokenX partnered with Independent Artist Management Co., Ltd. (iAM), the agent for BNK48 and girl idol groups, to develop a ready-to-use utility BNK Governance Token allowing fans to cast their votes via blockchain technology for the first time.
In addition, TokenX also developed “ColleX,” an NFT solution for corporate customers to create new experiences and build engagement in the digital world with their target groups through TKX Chain.
Provided micro finance service through the “MoneyThunder” app and nano finance credit through the “FINNIX" app, providing opportunities for additional income and financial knowledge.
Launched “PointX,” a new platform for reward point accumulation and redemption, where customers can use reward points like cash for purchases at any shops displaying the PointX logo. Points sharing is also possible.
Launched “PointX,” a new platform for reward point accumulation and redemption, where customers can use reward points like cash for purchases at any shops displaying the PointX logo. Points sharing is also possible
Upgraded “Robinhood” from just being a food delivery app to “Robinhood Travel,” while remaining true to the Zero Commission commitment. Moreover, Robinhood Mart is now available with the lowest GP of not over 15% collected from purchasing goods. This reflects our ambition of building a Thai “Super App” that creates and provides opportunities to small business entrepreneurs, riders, customers, and users.
Cybersecurity
Learning Journey of Digital Employee
Digital solutions and innovation
Center of Excellence
Develop Information
