CLICX is set to test Thailand’s virtual banking market by targeting consumers who struggle to access credit through conventional banks.
The Nation reported that the bank will open account number reservations on 2 June, followed by its mobile app launch on 19 June.
It received its virtual bank licence from the Bank of Thailand on 14 May 2026.
Backed by Krungthai Bank, Advanced Info Service and PTT Oil and Retail Business, CLICX brings together banking infrastructure, telecoms data and a large retail ecosystem.
The three partners have a combined customer base of more than 50 million.
CLICX plans to assess customers using alternative data from its partners, rather than relying mainly on payslips or formal credit histories.
The model is aimed at consumers whose income may not be reflected clearly in conventional banking records, including freelancers, gig workers, online sellers and the self-employed.
CLICX CEO Suporn Sunthornrohit described the bank as part of a wider effort to expand access to financial services for Thais in a more inclusive, fair and secure way.
Krungthai will support the venture with banking infrastructure and digital systems experience, while AIS will contribute technology and consumer data. OR brings its retail and fuel network into the partnership.
The bank will operate without physical branches and is expected to allow customers to open accounts with a minimum deposit of 10 baht.
Some savings products will also be linked to partner rewards such as mobile data, coffee and fuel.
In its first year, CLICX is expected to prioritise customer onboarding before scaling its loan book.
The bank plans to take a measured approach to lending as it works to reach more underserved consumers in Thailand.
Featured image: Edited by Fintech News Singapore, based on image by freepik via Magnific
