Government Savings Bank (GSB) says it now uses AI with e-wallet transaction data (Nok Krasip, via the Thung Ngern app) to approve loans faster, with rejection rates under 20%. SMEs in the Thai Help Thai Plus scheme can apply for the QR Maha Heng loan at 0.75% per month for working capital, equipment or expansion. GSB also offers 0% interest for 3 months to 1 year for flood-damaged stock or repairs, and has 1,022 branches for consultation. Worth asking your GSB branch whether you qualify, especially if you already receive QR payments. The article is an interview with the bank's director and gives no full eligibility criteria.