The Bank of Thailand and 11 financial associations, including banks, e-payment and non-bank lender groups, signed a framework to block illicit financial flows. Banks and lenders must build clear governance, preventive measures and tighter customer due diligence, and the central bank will monitor high-risk transactions more closely. For SME owners, expect more questions on large cash withdrawals and transfers, and keep source-of-funds documents ready. The 5 million baht cash withdrawal clarification rule is already in force, and cash withdrawals above it fell to about 40 billion baht from 100 billion baht.