Three major Thai banks (SCB, Kasikornbank, and Bangkok Bank) are launching digital gold-trading platforms targeting retail investors. SCB introduced SCB GOLD MARKETPLACE on its app with zero fees and 0.05 baht (≈฿6,000) minimum entry; Kasikornbank followed with K PLUS offering just 10 USD (≈฿300) minimum. The competition reflects a global trend of younger investors (Gen Z, ages 16–35) entering fractional gold trading via mobile apps. This signals growing fintech-enabled democratization of commodity investing in Thailand, relevant for SMEs offering digital financial solutions.