KTB, AIS, and OR to Launch CLICX Virtual Bank This June
Thailand's first virtual bank, CLICX, launches in June 2026 through a partnership between KTB, AIS, and OR, targeting gig workers, freelancers, and small business owners underserved by traditional banking. The platform uses AI and alternati
KTB, AIS, and OR are preparing to launch CLICX Virtual Bank in June 2026, specifically targeting people with irregular income, daily wage workers, freelancers, delivery riders, taxi drivers, recent graduates, students, online merchants, and small business owners. On May 15, 2026, CLICX Virtual Bank announced that it has received authorization from the Bank of Thailand on May 14, 2026, becoming Thailand's first virtual bank born from collaboration among three Thai partners. The platform will combine strengths from three critical dimensions: digital technology connecting people widely, stable and reliable financial expertise, and an ecosystem integrated closely with consumers' daily lives.
CLICX is not merely a new banking app but rather a platform connecting finance to real life through embedded banking. Operating under the concept of "Bank in One," CLICX transcends being a mere digital bank to become a "Beyond Banking" service that seamlessly integrates financial services into everyday life. Development includes AI applications to enhance customer experience, analysis of real-life usage behavior, and alternative data to create comprehensive financial perspectives and better understand users—whether their lifestyle, communication, travel, or service usage patterns. Leveraging the Bank of Thailand's open data policy for consumer empowerment, CLICX will develop new credit assessment models using alternative data to expand financial access for all Thai people and businesses while improving debt repayment capability assessment beyond current models.
CLICX's core mission is driving financial inclusion by ensuring all Thai groups have equal access to services, especially those underserved by traditional finance—including people with irregular income, daily wage workers, freelancers, riders, taxi drivers, recent graduates, students, online merchants, and small entrepreneurs. These groups often face limitations with income documentation, financial history, or income formats. Alternative data revealing real behavioral patterns within their ecosystem enables better credit assessment. While not direct financial data, this helps reduce informal debt problems and informal economies while promoting financial literacy and positive financial behavior through behavioral finance concepts to encourage savings and long-term financial security.
