The Bank of Thailand is preparing rules to regulate Buy Now Pay Later (BNPL) lending. Per NCB data, household debt reached 13.6 trillion baht at end of Q1 2026 across 98.7 million accounts. A Thai Chamber of Commerce survey found 91.8% of households carry debt, averaging 794,945 baht, the highest in 17 years. BNPL use rose to 14.2% from 6.2% a year earlier. For a business owner, expect tighter BNPL and consumer credit rules that could affect how your customers pay, and watch your own staff and household borrowing. The article itself is an opinion piece and gives no effective date for the rules.