Krungthai Bank launched two loan products for small shops using the "Thung Ngern" app and its "Nok Krasip" AI tool. The SME loan goes up to 3 million baht at a starting rate of 3.5% a year, with BSY guarantee, no collateral, and no fee, and a flat monthly rate for the first 2 years. The personal loan for market vendors goes up to 5 times income, capped at 500,000 baht, starting at 11% a year, with monthly repayments from about 500 baht on a 23,000-baht example. Rates range 11%-20% a year. If you already sell on this app or in this market, compare these rates with your current borrowing before you apply. The bank says the AI tool analyses sales, customer behaviour and costs, but the article gives no detail on fees or eligibility beyond these figures.