{"id":159870,"date":"2025-08-10T00:42:07","date_gmt":"2025-08-09T17:42:07","guid":{"rendered":"http:\/\/www.thestorythailand.com\/?p=159870"},"modified":"2025-08-10T00:42:08","modified_gmt":"2025-08-09T17:42:08","slug":"ai-and-data-reshape-lending-in-thailand","status":"publish","type":"post","link":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/","title":{"rendered":"AI and Data Reshape Lending in Thailand"},"content":{"rendered":"\n<p>A quiet revolution is reshaping Thailand&#8217;s financial landscape, as a potent combination of artificial intelligence and alternative data begins to dismantle the long-standing barriers that have excluded millions of small businesses and gig economy workers from the formal credit system. At a pivotal discussion during the Techsauce Global Summit 2025, industry leaders from banking and fintech outlined a future where economic opportunity is no longer dictated by traditional metrics, but by a more holistic and data-driven understanding of financial viability.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>From Risk to Recognition<\/strong><\/h4>\n\n\n\n<p>The consensus from the &#8220;Inclusive Finance for All&#8221; panel was that financial exclusion is fundamentally a problem of perspective, not of risk. The traditional system, panelists argued, was simply not designed to see the modern workforce accurately.<\/p>\n\n\n\n<p>&#8220;The issue is not that they don&#8217;t qualify, but that the system wasn&#8217;t built for them,&#8221; stated&nbsp;<strong>Ithinan Watsuksanti, Head of Lending at Ascend Money<\/strong>, highlighting its rigid reliance on formal pay slips and credit histories. This creates what&nbsp;<strong>Panawat Innurak, Head of Personalized Customer Engagement &amp; Experience at ttb<\/strong>, described as seeing &#8220;only one part of the customer,&#8221; an incomplete picture that often leads to exclusion.<\/p>\n\n\n\n<p>This systemic blindness was powerfully illustrated by&nbsp;<strong>Tee Chayakul, Head of Lending (Thailand) at Bettr<\/strong>. He recounted the story of a successful 30-year-old recycling SME facing a severe cash flow paradox: though profitable, it was denied working capital loans because its accounts receivable were not recognized as valid collateral by traditional banks. Forced to turn to informal lenders, the company&#8217;s growth was capped, a story representative of countless businesses that form the lifeblood of Thailand&#8217;s grassroots economy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>An Arsenal for Inclusion<\/strong><\/h4>\n\n\n\n<p>This systemic challenge is now being met by a powerful arsenal of technology designed to make the invisible, visible. The primary tool is alternative data.&nbsp;<strong>Tee Chayakul<\/strong>&nbsp;explained this as the process of turning &#8220;mundane data&#8221;\u2014such as location patterns, digital device usage, and platform transaction histories\u2014into predictive financial insight. He cited the transformative case of unlocking credit for ten million ride-hailing drivers in China, a group previously deemed unbankable.<\/p>\n\n\n\n<p>This new data fuels the engine of AI-driven personalization. According to&nbsp;<strong>Ithinan Watsuksanti<\/strong>, the &#8220;one-size-fits-all&#8221; model is obsolete. AI enables hyper-personalized financial products, customized user journeys, and more nuanced risk assessments to deliver &#8220;the right product to the right customer at the right time.&#8221;<\/p>\n\n\n\n<p>These solutions are being delivered through frictionless new channels. Embedded finance integrates financial services directly into the e-commerce and delivery apps people use daily, while the emergence of low-cost Virtual Banks is set to accelerate the shift by offering a full suite of tailored products beyond lending, including accessible savings and investment options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Humanized Digital: The Soul of the New Machine<\/strong><\/h4>\n\n\n\n<p>While technology provides the tools, the philosophy guiding their application is proving equally crucial.&nbsp;<strong>Panawat Innurak<\/strong>&nbsp;detailed ttb&#8217;s &#8220;Humanized Digital Banking&#8221; approach, which tempers digital efficiency with essential human empathy.<\/p>\n\n\n\n<p>He shared a compelling case where a customer applied for another high-interest loan. Instead of an automated rejection, the bank\u2019s digital tools identified an opportunity from the customer&#8217;s consistent utility payments\u2014he likely owned a home. A human specialist then intervened, but instead of selling a product, he asked a simple question: &#8220;What pains you have?&#8221; This empathetic inquiry uncovered the root problem of multiple debts, leading to a debt consolidation solution that slashed the customer\u2019s interest rate from over 20% to below 10%. &#8220;This is what we call human with digital,&#8221; Panawat asserted. &#8220;It\u2019s about truly understanding the customer to improve their financial well-being.&#8221;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>An Ecosystem Approach to National Scale<\/strong><\/h4>\n\n\n\n<p>Ultimately, the panelists agreed that scaling these successes to a national level is a mission too vast for any single entity. &#8220;This problem is way bigger than any one company can handle alone,&#8221; said&nbsp;<strong>Tee Chayakul<\/strong>.<\/p>\n\n\n\n<p>The path forward, they concluded, is a collaborative ecosystem. This new model requires a synergy where banks provide their invaluable trust and scale; fintechs contribute their speed and user-centric innovation; and technology providers offer their specialized global platforms. For these partnerships to thrive, they must be built on a shared customer-centric goal and clear operational frameworks.<\/p>\n\n\n\n<p>The future of finance in Thailand, therefore, is not just about better technology, but about a shared commitment to building a more equitable and resilient economy where everyone has the tools to prosper.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand&#8217;s credit gap for overlooked businesses.<\/p>\n","protected":false},"author":8,"featured_media":159595,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[118,13940,117],"tags":[35800,35801,35802,35803,35804,35805,35806,35807],"class_list":["post-159870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-story-special","category-finance","category-business-en","tag-digitallending","tag-alternativedata","tag-aiinfinance","tag-unbanked","tag-gigeconomy","tag-smelendin","tag-virtualbank","tag-embeddedfinance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AI and Data Reshape Lending in Thailand - The Story Thailand<\/title>\n<meta name=\"description\" content=\"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand&#039;s credit gap for overlooked businesses.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AI and Data Reshape Lending in Thailand - The Story Thailand\" \/>\n<meta property=\"og:description\" content=\"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand&#039;s credit gap for overlooked businesses.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/\" \/>\n<meta property=\"og:site_name\" content=\"The Story Thailand\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TheStoryThailand\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-09T17:42:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-09T17:42:08+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"622\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"The Story Thailand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TheStoryThai\" \/>\n<meta name=\"twitter:site\" content=\"@TheStoryThai\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"The Story Thailand\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/\"},\"author\":{\"name\":\"The Story Thailand\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#\\\/schema\\\/person\\\/c1e7741ac0d021bfe7dbfa16f537d399\"},\"headline\":\"AI and Data Reshape Lending in Thailand\",\"datePublished\":\"2025-08-09T17:42:07+00:00\",\"dateModified\":\"2025-08-09T17:42:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/\"},\"wordCount\":734,\"publisher\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Techsauce-Global-Summit-Inclusive-Finance.avif\",\"keywords\":[\"DigitalLending\",\"AlternativeData\",\"AIinFinance\",\"Unbanked\",\"GigEconomy\",\"SMELendin\",\"VirtualBank\",\"EmbeddedFinance\"],\"articleSection\":[\"The Story Special\",\"Finance\",\"Business\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/\",\"name\":\"AI and Data Reshape Lending in Thailand - The Story Thailand\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Techsauce-Global-Summit-Inclusive-Finance.avif\",\"datePublished\":\"2025-08-09T17:42:07+00:00\",\"dateModified\":\"2025-08-09T17:42:08+00:00\",\"description\":\"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand's credit gap for overlooked businesses.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Techsauce-Global-Summit-Inclusive-Finance.avif\",\"contentUrl\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Techsauce-Global-Summit-Inclusive-Finance.avif\",\"width\":1200,\"height\":622,\"caption\":\"\u0e1b\u0e25\u0e14\u0e25\u0e47\u0e2d\u0e01\u0e2a\u0e34\u0e19\u0e40\u0e0a\u0e37\u0e48\u0e2d SME-\u0e1f\u0e23\u0e35\u0e41\u0e25\u0e19\u0e0b\u0e4c: \u0e40\u0e21\u0e37\u0e48\u0e2d\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e17\u0e32\u0e07\u0e40\u0e25\u0e37\u0e2d\u0e01\u0e41\u0e25\u0e30 AI \u0e17\u0e25\u0e32\u0e22\u0e01\u0e33\u0e41\u0e1e\u0e07\u0e01\u0e32\u0e23\u0e40\u0e07\u0e34\u0e19\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/ai-and-data-reshape-lending-in-thailand\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AI and Data Reshape Lending in Thailand\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/\",\"name\":\"The Story Thailand\",\"description\":\"Business and Digital Transformations\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#organization\",\"name\":\"The Story Thailand\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/thestory_favicon-2.avif\",\"contentUrl\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/thestory_favicon-2.avif\",\"width\":512,\"height\":512,\"caption\":\"The Story Thailand\"},\"image\":{\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/TheStoryThailand\\\/\",\"https:\\\/\\\/x.com\\\/TheStoryThai\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/#\\\/schema\\\/person\\\/c1e7741ac0d021bfe7dbfa16f537d399\",\"name\":\"The Story Thailand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/logo-2-color-scaled-jpg.avif\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/logo-2-color-scaled-jpg.avif\",\"contentUrl\":\"https:\\\/\\\/www.thestorythailand.com\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/logo-2-color-scaled-jpg.avif\",\"caption\":\"The Story Thailand\"},\"description\":\"\u0e40\u0e1b\u0e25\u0e35\u0e48\u0e22\u0e19\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e40\u0e1b\u0e47\u0e19\u0e1b\u0e31\u0e0d\u0e0d\u0e32\u0e1c\u0e48\u0e32\u0e19\u0e1a\u0e17\u0e04\u0e27\u0e32\u0e21\u0e2d\u0e18\u0e34\u0e1a\u0e32\u0e22\u0e04\u0e27\u0e32\u0e21\u0e17\u0e35\u0e48\u0e41\u0e21\u0e48\u0e19\u0e22\u0e33\u0e41\u0e25\u0e30\u0e19\u0e48\u0e32\u0e2d\u0e48\u0e32\u0e19 \u0e04\u0e31\u0e14\u0e40\u0e09\u0e1e\u0e32\u0e30\u0e2a\u0e32\u0e23\u0e30\u0e2a\u0e33\u0e04\u0e31\u0e0d\u0e17\u0e35\u0e48\u0e1c\u0e39\u0e49\u0e19\u0e33\u0e41\u0e25\u0e30\u0e04\u0e19\u0e17\u0e33\u0e07\u0e32\u0e19 \\\"\u0e15\u0e49\u0e2d\u0e07\u0e23\u0e39\u0e49\\\" \u0e40\u0e1e\u0e37\u0e48\u0e2d\u0e01\u0e49\u0e32\u0e27\u0e17\u0e31\u0e19\u0e42\u0e25\u0e01\u0e2d\u0e19\u0e32\u0e04\u0e15\",\"url\":\"https:\\\/\\\/www.thestorythailand.com\\\/en\\\/author\\\/thestoryth\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"AI and Data Reshape Lending in Thailand - The Story Thailand","description":"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand's credit gap for overlooked businesses.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/","og_locale":"en_US","og_type":"article","og_title":"AI and Data Reshape Lending in Thailand - The Story Thailand","og_description":"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand's credit gap for overlooked businesses.","og_url":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/","og_site_name":"The Story Thailand","article_publisher":"https:\/\/www.facebook.com\/TheStoryThailand\/","article_published_time":"2025-08-09T17:42:07+00:00","article_modified_time":"2025-08-09T17:42:08+00:00","og_image":[{"width":1200,"height":622,"url":"http:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.jpg","type":"image\/jpeg"}],"author":"The Story Thailand","twitter_card":"summary_large_image","twitter_creator":"@TheStoryThai","twitter_site":"@TheStoryThai","twitter_misc":{"Written by":"The Story Thailand","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#article","isPartOf":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/"},"author":{"name":"The Story Thailand","@id":"https:\/\/www.thestorythailand.com\/en\/#\/schema\/person\/c1e7741ac0d021bfe7dbfa16f537d399"},"headline":"AI and Data Reshape Lending in Thailand","datePublished":"2025-08-09T17:42:07+00:00","dateModified":"2025-08-09T17:42:08+00:00","mainEntityOfPage":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/"},"wordCount":734,"publisher":{"@id":"https:\/\/www.thestorythailand.com\/en\/#organization"},"image":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#primaryimage"},"thumbnailUrl":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.avif","keywords":["DigitalLending","AlternativeData","AIinFinance","Unbanked","GigEconomy","SMELendin","VirtualBank","EmbeddedFinance"],"articleSection":["The Story Special","Finance","Business"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/","url":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/","name":"AI and Data Reshape Lending in Thailand - The Story Thailand","isPartOf":{"@id":"https:\/\/www.thestorythailand.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#primaryimage"},"image":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#primaryimage"},"thumbnailUrl":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.avif","datePublished":"2025-08-09T17:42:07+00:00","dateModified":"2025-08-09T17:42:08+00:00","description":"Leaders from ttb, Ascend Money, and Bettr reveal how they are using technology and collaboration to close Thailand's credit gap for overlooked businesses.","breadcrumb":{"@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#primaryimage","url":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.avif","contentUrl":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/08\/Techsauce-Global-Summit-Inclusive-Finance.avif","width":1200,"height":622,"caption":"\u0e1b\u0e25\u0e14\u0e25\u0e47\u0e2d\u0e01\u0e2a\u0e34\u0e19\u0e40\u0e0a\u0e37\u0e48\u0e2d SME-\u0e1f\u0e23\u0e35\u0e41\u0e25\u0e19\u0e0b\u0e4c: \u0e40\u0e21\u0e37\u0e48\u0e2d\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e17\u0e32\u0e07\u0e40\u0e25\u0e37\u0e2d\u0e01\u0e41\u0e25\u0e30 AI \u0e17\u0e25\u0e32\u0e22\u0e01\u0e33\u0e41\u0e1e\u0e07\u0e01\u0e32\u0e23\u0e40\u0e07\u0e34\u0e19"},{"@type":"BreadcrumbList","@id":"https:\/\/www.thestorythailand.com\/en\/ai-and-data-reshape-lending-in-thailand\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.thestorythailand.com\/en\/"},{"@type":"ListItem","position":2,"name":"AI and Data Reshape Lending in Thailand"}]},{"@type":"WebSite","@id":"https:\/\/www.thestorythailand.com\/en\/#website","url":"https:\/\/www.thestorythailand.com\/en\/","name":"The Story Thailand","description":"Business and Digital Transformations","publisher":{"@id":"https:\/\/www.thestorythailand.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.thestorythailand.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.thestorythailand.com\/en\/#organization","name":"The Story Thailand","url":"https:\/\/www.thestorythailand.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.thestorythailand.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/12\/thestory_favicon-2.avif","contentUrl":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2025\/12\/thestory_favicon-2.avif","width":512,"height":512,"caption":"The Story Thailand"},"image":{"@id":"https:\/\/www.thestorythailand.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/TheStoryThailand\/","https:\/\/x.com\/TheStoryThai"]},{"@type":"Person","@id":"https:\/\/www.thestorythailand.com\/en\/#\/schema\/person\/c1e7741ac0d021bfe7dbfa16f537d399","name":"The Story Thailand","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2020\/07\/logo-2-color-scaled-jpg.avif","url":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2020\/07\/logo-2-color-scaled-jpg.avif","contentUrl":"https:\/\/www.thestorythailand.com\/wp-content\/uploads\/2020\/07\/logo-2-color-scaled-jpg.avif","caption":"The Story Thailand"},"description":"\u0e40\u0e1b\u0e25\u0e35\u0e48\u0e22\u0e19\u0e02\u0e49\u0e2d\u0e21\u0e39\u0e25\u0e40\u0e1b\u0e47\u0e19\u0e1b\u0e31\u0e0d\u0e0d\u0e32\u0e1c\u0e48\u0e32\u0e19\u0e1a\u0e17\u0e04\u0e27\u0e32\u0e21\u0e2d\u0e18\u0e34\u0e1a\u0e32\u0e22\u0e04\u0e27\u0e32\u0e21\u0e17\u0e35\u0e48\u0e41\u0e21\u0e48\u0e19\u0e22\u0e33\u0e41\u0e25\u0e30\u0e19\u0e48\u0e32\u0e2d\u0e48\u0e32\u0e19 \u0e04\u0e31\u0e14\u0e40\u0e09\u0e1e\u0e32\u0e30\u0e2a\u0e32\u0e23\u0e30\u0e2a\u0e33\u0e04\u0e31\u0e0d\u0e17\u0e35\u0e48\u0e1c\u0e39\u0e49\u0e19\u0e33\u0e41\u0e25\u0e30\u0e04\u0e19\u0e17\u0e33\u0e07\u0e32\u0e19 \"\u0e15\u0e49\u0e2d\u0e07\u0e23\u0e39\u0e49\" \u0e40\u0e1e\u0e37\u0e48\u0e2d\u0e01\u0e49\u0e32\u0e27\u0e17\u0e31\u0e19\u0e42\u0e25\u0e01\u0e2d\u0e19\u0e32\u0e04\u0e15","url":"https:\/\/www.thestorythailand.com\/en\/author\/thestoryth\/"}]}},"meta_box":{"open_icon":false,"close_icon":false,"open_text":false,"close_text":false,"layout":false,"effect":false,"name":false,"mobile":false,"tablet":false,"desktop":false,"mobile_gap":false,"tablet_gap":false,"desktop_gap":false,"alignment":false,"loop":false,"slides_to_scroll":false,"control":false,"delay":false,"direction":false,"speed":false,"arrow_svg":false,"display_arrows":false,"display_dots":false,"dots_location":false,"set_colors":false,"dot_color":false,"active_dot_color":false,"query_loop":false,"facebook_enable":false,"x_enable":false,"line_enable":false,"copy_link_enable":false,"embled_enable":false,"icon_color":false,"language":false,"limit":false,"show_excerpt":false,"show_date":false,"columns":false,"doc_id":false,"show_image":false,"show_meta":false},"_links":{"self":[{"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/posts\/159870","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/comments?post=159870"}],"version-history":[{"count":1,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/posts\/159870\/revisions"}],"predecessor-version":[{"id":159871,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/posts\/159870\/revisions\/159871"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/media\/159595"}],"wp:attachment":[{"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/media?parent=159870"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/categories?post=159870"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.thestorythailand.com\/en\/wp-json\/wp\/v2\/tags?post=159870"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}