The Bank of Thailand (BOT) is expanding regulatory oversight to cover 3,624 non-bank financial service providers across 24 categories, representing 55% of outstanding credit and 75% of lending accounts nationwide. BOT will deploy AI and big-data monitoring methods instead of traditional on-site inspections due to the scale, aiming to protect consumers from complex fee structures and overlap between interest rates (up to 25%) and additional charges (10%+), which can total 35% in borrowing costs. New regulations will cover Buy Now Pay Later (BNPL) services—which grew 10x in 4 years—with lending caps and rate ceilings, while also closing loopholes that enable gray-market and online gambling activities through payment gateway services.