The Bank of Thailand is rolling out three credit measures to address high loan rejection rates for SMEs. Key initiatives include: (1) an SME Credit Portal connecting viable SMEs with lenders via a new Data Bureau platform launching in December; (2) alternative data frameworks allowing financial institutions to use mobile payments, tax records, and utility payments instead of traditional banking records—critical for self-employed workers and small business owners; and (3) a new credit guarantee mechanism funded by the Financial Institutions Development Fund to accelerate SME lending and reduce bank costs. These measures aim to broaden credit access while lowering acquisition costs for lenders.