Thailand's Finance Ministry launched the "AI Nok Krasip" loan program to help small merchants and SMEs access credit using verified sales data from the Tung Ngern app instead of traditional documentation. Participating banks (Krung Thai, Kasikornbank, Bank for Agriculture) offer loans up to 3 million baht at rates from 3.5–11%, with credit guarantee backing. This addresses a key gap: many small businesses have real revenues but lack formal records to prove creditworthiness, now solvable through AI-analyzed transaction data.