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“Can Thailand's oldest commercial bank build a fully digital-first financial super-app for retail and SME customers while simultaneously offering its banking infrastructure to third parties via BaaS?”
Siam Commercial Bank is Thailand's oldest Thai-owned commercial bank that has evolved from a traditional branch-based lender into a digital-first banking group. The bank has invested heavily in its SCB EASY mobile app as the primary customer touchpoint, adding BNPL (SCB Pay Later), digital SME loans (UP Ngern Tunjai), and cross-border remittance via Ripple. The group also operates Standard Chartered nexus, a white-label Banking-as-a-Service platform leveraging Standard Chartered's global licenses — though the nexus product is distinct from SCB Thailand's retail operations.