In Thailand, consumer credit has been under increasing scrutiny as the Bank of Thailand (BOT) adjusts policies to manage rising household debt. The minimum payment rate for credit cards was originally set to revert to 10% in 2024, the level in place before the pandemic.
The Bank of Thailand (BOT) has introduced a series of financial measures aimed at supporting vulnerable debtors as the country continues to recover from economic challenges. These adjustments include changes to credit card minimum payment policies, debt consolidation strategies, and ongoing assistance for individuals facing persistent debt.
Applications for virtual bank licenses are currently under review by the Bank of Thailand (BOT), with operations expected to begin in 2026. The establishment of virtual banks marks a significant shift in Thailand’s financial ecosystem, offering an innovative approach to banking and financial services.
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Understand the latest market trends and future growth opportunities for the Consumer Credit industry in Thailand with research from Euromonitor International's team of in-country analysts – experts by industry and geographic specialisation.
Key trends are clearly and succinctly summarised alongside the most current research data available. Understand and assess competitive threats and plan corporate strategy with our qualitative analysis, insight and confident growth projections.
If you're in the Consumer Credit industry in Thailand, our research will help you to make informed, intelligent decisions; to recognise and profit from opportunity, or to offer resilience amidst market uncertainty.
Consumer Credit
Non-mortgage consumer debt extended to individuals for personal or household use including installment loans and credit cards. Examples of consumer credit include auto lending, card lending, durables lending, education lending, home lending and other personal loans. Consumer credit includes both revolving and non-revolving credit.
See all of our definitionsThis report originates from Passport, our Consumer Credit research and analysis database.
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