Nation Thailand
Nok Krasip connects small traders with AI tools and bank loans
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Deputy Prime Minister and Finance Minister Ekniti Nitithanprapas has backed the launch of the AI Nok Krasip loan programme, linking sales-analysis technology with access to finance to help small traders and shop owners manage costs and expand their b
Key facts
- The Sip Muen loan offers up to THB500,000, with interest rates of 11-20% a year and monthly repayments starting from THB500
- The QR Maha Heng x Nok Krasip loan offers up to THB50,000, without collateral, at a flat interest rate of 0.75% a month, with a stated effective interest rate of 16.20% a year.
- The Fiscal Policy Office, Krungthai Bank, Government Savings Bank (GSB) and the Thai Credit Guarantee Corporation (TCG) jointly launched the initiative, which builds on the Nok Krasip, or “Whispering Bird”, artificial intelligence
- The small SME loan, aimed at small and medium-sized enterprises using Nok Krasip through Tung Ngern, offers up to THB3 million, backed by a TCG guarantee.
- Interest starts at 3.5% a year for the first two years, with the product details also quoting a monthly flat rate of 0.16%
- The product is intended for traders participating in Thais Help Thais Plus 60/40 who use trading data from Tung Ngern and have recorded account turnover of at least THB10,000 a month for a minimum of three consecutive months.
Summary
The Fiscal Policy Office, Krungthai Bank, Government Savings Bank (GSB) and the Thai Credit Guarantee Corporation (TCG) jointly launched the initiative, which builds on the Nok Krasip, or “Whispering Bird”, artificial intelligence assistant in Krungthai’s Tung Ngern application.
Ekniti said the Thais Help Thais Plus programme had helped raise sales for traders while easing living costs for the public. The Finance Ministry was now extending that support through free AI tools intended to help businesses not simply make sales, but sell more effectively and manage costs efficiently.