CLICX Launches Branchless Banking with 'Customizable Account Numbers,' Using Data and Technology to Expand Financial Opportunities

CLICX, Thailand's first branchless commercial bank, is a joint venture among KTB, AIS, and OR targeting people with irregular income and those unable to access traditional credit. The bank's signature feature is its 'customizable account number,' combined with behavioral data analytics to create financial services suited to actual lifestyles. Account bookings begin June 2, with full service launching June 19, 2026.

CEO Suporn Suntharohit explains that Thailand is entering a new financial era where banking services must go beyond basic account access to provide equitable financial opportunities for all. "Having a bank account doesn't mean everyone can access financial products suited to their individual circumstances," she notes. Although many Thais now have bank accounts, significant numbers still cannot access appropriate financial products—particularly those with irregular income like freelancers, independent professionals, and small business owners. Despite having stable income, financial discipline, and responsible spending habits, many are denied credit because they lack traditional income documentation or credit history.

Data from the Bank of Thailand shows over 63% of Thais still underutilize financial services, while more than 80% have emergency savings of less than six months. This gap created the opportunity for CLICX, a virtual bank combining the strengths of three Thai partners: Krung Thai Bank (KTB) for financial expertise, Advanced Info Service (AIS) for digital and technology capabilities, and OR for understanding consumer lifestyle and behavior. Together, these three groups serve over 50 million customers, providing CLICX with comprehensive behavioral data to develop financial services for underserved populations.

While extensive data doesn't necessarily make lending easier, it reveals both risks and customer potential more clearly than traditional methods, potentially reducing future bad debts. "The convergence of these three organizations isn't just about creating a new mobile bank, but building a financial platform that understands customers more deeply through data, technology, and real-life behavioral insights," Suporn explained.

CLICX operates under the concept 'Bank in One CLICX,' making finance simpler and more accessible through experiences beyond mobile transactions, including savings, spending management, credit access, and lifestyle-linked benefits.