CLICX Bank, Thailand's first virtual bank, launched a new instant loan product (up to 1 million baht at 13–25% annual interest) with quick 5-minute approval. However, since launch on August 1, social media chatter emerged about borrowers potentially defaulting deliberately. The CEO confirmed preparatory countermeasures are already in place, though specific details remain undisclosed. This is relevant to Thailand's fintech ecosystem and SME lending landscape.