The BoT is expanding oversight of non-bank lenders and payment providers, using data and AI to check for complex interest and fee charges. It plans a new licence for buy-now-pay-later (BNPL), with a hearing on rules at end-September. Proposed limits include a minimum user age, loan caps of 20,000 baht and 15-20% interest. If you use BNPL or non-bank credit for your business, or take payments through gateways, expect stricter disclosure of total cost. Check the all-in cost of any non-bank financing, including extra fees, which the article gives as an example of 25% interest plus 10% in other charges, or 35% total.