Krungsri Consumer reports H1 2026 card spending up 3% to 196,700 million baht, new loans up 4%, and NPL on cards at 1.1%. Online platform spending grew 16%, the fastest category, while fuel and supermarkets remain top categories. The bank expects to fall short of its full-year card-spend target of 420,000 million baht because consumer confidence is still weak and living costs are high. For an SME, this signals that customers are cautious and shifting toward online purchases, so review whether your sales channels and online payment options keep pace.