Mitihoon – Siam Commercial Bank (SCB) is advancing its “Digital Bank with Human Touch” vision by integrating AI technology into the SCB Payment Gateway, delivering seamless payment experiences across all channels. The latest innovation, “Hassle-Free Transfers via SCB EASY on Messenger”, giving online merchants a fast and convenient payment option. Customers can complete transactions via chat without entering account numbers or saving QR codes. Payments link automatically to the SCB EASY app for instant confirmation and support QR PromptPay, QR Mae Manee, and Thai QR Payment. Transaction slips are uploaded to merchants immediately, this convenient and speedy solution meets the evolving demands of both merchants and customers in an increasingly cashless society.
Digital Payments in Thailand Continue to Grow
According to the Bank of Thailand’s Payment Directional Paper 2025, Thailand’s digital payments have advanced and expanded significantly over the past eight years (2017–2024), reaching approximately 650 digital transactions per person per year in 2024. Thailand also leads globally in Fast Payment usage, particularly PromptPay. Mobile banking transactions have increased 25-fold, with PromptPay reaching a peak of 95 million transactions per day (averaging around 70 million daily). In line with Thailand’s payment system development, the Bank of Thailand aims to make digital payments a primary option for the public by enhancing PromptPay with innovative services that cater to all user groups.
Businesses Reshape Strategies to Keep Pace with Evolving Consumer Trends
Post-pandemic shifts in consumer behavior and lifestyle are driving a dramatic expansion of Thailand’s e-commerce landscape. According to insights from SCB’s Economic Intelligence Center (EIC), e-commerce is projected to account for 25% of Thailand’s total retail market by 2025, a sharp rise from just 7% in 2019. This rapid growth has prompted businesses to rethink their strategies, blending both offline and online sales channels to meet evolving customer demands. Social commerce, the fusion of e-marketplaces with social media platforms, is emerging as a powerful force — particularly among Gen Z consumers, who are entering the workforce and gaining stronger purchasing power.
SCB Enhances Seamless Payment Experience
To help merchants adapt quickly to evolving consumer behavior, SCB has expanded its digital payment solutions. The new “Hassle-Free Transfers via SCB EASY on Messenger”
, giving online merchants a fast and convenient payment option. Customers can complete transactions via chat without entering account numbers or saving QR codes. Payments link automatically to the SCB EASY app for instant confirmation and support QR PromptPay, QR Mae Manee, and Thai QR Payment. Transaction slips are uploaded to merchants immediately. This service reinforces SCB’s strategic goal of delivering a “Digital Bank with Human Touch”, combining innovation with convenience in every customer interaction.
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