The Bank of Thailand plans to bring buy-now-pay-later providers under a licence regime, treated like personal loans, with a hearing on rules due at end-September and rules expected in Q4. Rules may cover customer age, credit limits and interest rates (cited 15-20%). Non-bank lenders also face closer scrutiny. Cash withdrawals of 5 million baht or more get checked, and gold app sales over 10 million baht are reported. If your business offers BNPL to customers, or relies on non-bank credit or gold trading, check how the new licence and reporting rules could affect your payments and financing.