The World Bank's Building Thailand's Future Today report says Thailand needs GDP per person growth of 5.4% a year from 2025 to reach high-income status by 2037, versus 2.2% actually achieved in 2021-2024. It lists 10 priority reforms, including better access to finance for SMEs, digital-services trade barriers, and STEM and AI skills. These are illustrative scenarios that assume full implementation, not forecasts. For an SME owner, nothing changes today, but SME financing access is the item to watch as policy develops.