At the IMF-World Bank meetings in Bangkok (13 Oct), the World Bank and KBank CEO Kattiya Indrawichai argued that SME cash flow, visible through QR payments, e-tax invoices and bill payments, can replace property as proof of repayment ability. Banks still struggle with cash sales and mixed personal/business accounts, which hide real revenue. Practical steps: take QR and e-invoices where you can, and keep business and household money in separate accounts so your bank sees the true picture. No new loan product or rule is announced in the article.