The BoT governor says it will step up supervision of non-bank lenders, payment, FX and AMC firms (over 3,000 licensed), moving from licensing to real inspection, with transaction reporting and caps to follow. BNPL rules are coming first, with clarity expected around October–November 2026. BNPL accounts grew to 4.91 million in 2024, and young, low-income users show the highest arrears. If your customers pay by instalment or you rely on non-bank credit or payment services, check your terms and expect tighter scrutiny and possibly new limits.