- CLICX, Thailand’s First Virtual Bank by Thais for Thais, Unveils Its New-Era Financial Strategy
- Advancing Thai FinTech with a Digital Financial Platform Designed to Make Money Management More Seamless, Accessible and Secure
- Set to Introduce Thailand’s First “Choose Your Own Account Number” Feature
CLICX, Thailand’s first branchless commercial bank, established through the strategic collaboration of three leading Thai organizations – KTB, AIS and OR – is moving forward with its new-era financial strategy under the vision of “Bank in One CLICX.” The bank aims to elevate Thailand’s FinTech ecosystem through a digital financial platform designed around the lifestyles and real financial needs of Thai people, making financial services more accessible, secure and inclusive. CLICX is also set to introduce a new milestone for Thailand’s banking industry with the country’s first feature that enables customers to choose their own bank account number, ahead of its official service launch by June 2026.
Ms. Suporn Sunthornrohit, Chief Executive Officer of CLICX Bank Public Company Limited, said that “Thailand is entering a new chapter in its financial landscape, one in which financial services must go beyond enabling people to open bank accounts or access basic banking services. They must become essential infrastructure that empowers everyone to achieve better financial opportunities on a more equitable basis. In reality, having a bank account does not automatically mean that everyone can access financial opportunities that truly match their needs.
Today, Thailand still has significant room to expand financial services, so they can reach more people and better reflect the realities of everyday life, particularly for those with irregular income such as freelancers, self-employed professionals and small business owners. Many of them earn income, demonstrate financial discipline and maintain responsible spending behavior, yet may still face barriers to accessing financial products or suitable credit due to not meeting conventional requirements for income documentation or credit history.
According to the Bank of Thailand, more than 63% of Thais remain underserved in terms of access to financial services, while over 80% have emergency savings sufficient to cover living expenses for no more than six months in the event of unexpected circumstances or a sudden income disruption. These figures highlight that many Thai people still lack access to financial services that are appropriate, flexible and aligned with today’s real life financial realities.
This represents a meaningful opportunity to create a new model of financial services, one that understands the real lives of Thai people more deeply. It is also the foundation of CLICX, a branchless commercial bank born from the combined strengths of three Thai partners: KTB, with its deep financial expertise; AIS, with its digital and technological capabilities; and OR, with its strong understanding of everyday consumer lifestyles. This partnership was not formed merely to create another mobile bank. Rather, it is designed to build a new generation financial platform that understands customers better through the integration of technology, data and real-life behavioral insights, with the goal of expanding financial opportunities for Thai people on a broader scale. CLICX believes that financial opportunity should not be assessed solely through traditional financial data. It should also reflect people’s real life potential, behavior and financial discipline, while being delivered under robust principles of personal data protection, transparency and international standard security.
Under the vision of “Bank in One CLICX,” we aim to make finance simpler, closer and more relevant to everyday life through financial experiences that go beyond mobile transactions, from saving and spending to credit access and lifestyle-based privileges tailored to each individual.
CLICX will deliver flexible financial experiences that respond to the diverse needs of customers. We believe that good financial products should not require customers to adapt themselves to the system. Instead, they should be designed to understand, connect with and support each customer’s real life. Therefore, CLICX’s ambition is not merely to become Thailand’s new virtual bank. It is to become a financial platform that helps Thai people gain access to better financial opportunities and achieve stronger long-term financial well-being.
As a major first for Thailand’s banking industry, on 2 June, CLICX is preparing to introduce “Customizable Account Number,” a new feature that allows customers to select or personalize their own bank account number, a first among Thai banks.
Customers will be able to choose numbers based on personal beliefs, preferences and lifestyles, whether auspicious numbers, numbers believed to support wealth, career or love, dragon numbers, repeated numbers, premium numbers, or account numbers that match the last seven or last four digits of their mobile phone number. This feature is designed to deliver a more personal financial experience, one that customers can define for themselves in just one CLICX.
All of this reflects CLICX’s commitment to building a Thai bank that truly understands the real lives of Thai people, while contributing to the future of finance and FinTech in Thailand. We want to make financial services no longer distant or difficult to access, but an opportunity that everyone can reach on an equal footing. We believe that making financial life more seamless, secure and sustainable for Thai people will empower individuals to better plan their lives, create new opportunities and grow with confidence alongside the country’s digital economy. We invite everyone to follow this important new chapter in Thailand’s financial industry with the official launch of the CLICX application this June,” Ms. Suporn concluded.
