Line BK
“Can a messenger-native banking layer, riding on a Tier-1 Thai bank's balance sheet, become the default financial account for Thailand's LINE users?”
Founded2019
HQBangkok, Thailand
IndustryFintech / Neobank
The story
LINE BK is a joint venture between KASIKORNBANK (Thailand's largest bank by some measures) and LINE Corporation, embedding banking directly inside the LINE messenger app under a 'social banking' positioning. The regulatory and balance-sheet capacity sits with KBank; LINE contributes distribution and UX. It is not a standalone chartered bank — it is a KBank-operated banking product delivered through a JV.
Last 12 months
Product timeline
2019
KASIKORN LINE established as JV between KASIKORN Vision (KBank subsidiary) and LINE Financial Asia· banking
2020
LINE BK launched as Thailand's first 'social banking' platform inside the LINE messenger· banking
2026
Surpassed 8.8 million total customers, ~931,000 lending customers in H1 2026· banking
Regulated entities
1
regulatory licence held by Line BK
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Line BK’s embedded-finance stack
Banking / BaaS
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: none
5 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.