CLICX, Thailand's new digital-only bank backed by Bangkok Bank, Advanced Info Service, and PTT Retail, issued a clarification after social media concerns about loan defaults and relaxed lending standards. The bank reaffirmed it applies responsible lending principles with multi-dimensional data analysis and maintains strict credit approval criteria and risk management. It also addressed operational delays due to unexpectedly high user traffic. Relevant for SMEs seeking alternative financing channels and fintech adoption in Thailand's banking sector.