Thailand's Finance Ministry launched "AI Nok Kratip Loan," a new lending product that uses real sales data and payment history from the Tung Ngern app to help SMEs and micro-merchants access formal financing. Three financial institutions (Bangkok Bank, Government Savings Bank, and SCSMEB) are participating with loan products ranging from 50,000 to 3 million baht, addressing a critical gap for informal traders who lack conventional documentation. This bridges behavioral data from a state AI tool into actual credit products, potentially reducing SME reliance on informal debt channels.