Withai: PromptPay transactions exceed 54 trillion baht in 2025

MGR Online•Economy•18m ago

Reader Briefing

Bank of Thailand Governor Withai Rattanakorn highlights PromptPay's success and the push for AI integration in financial services while addressing cyber fraud.

•PromptPay transaction value reached 54 trillion baht in 2025, which is more than twice Thailand's GDP.
•Withai Rattanakorn spoke at the IMF-World Bank 2026 International Banking Seminar about AI and digital finance.
•The Bank of Thailand is implementing a Responsible Innovation Framework based on sound technology, governance, and economics.
•The IMF, World Bank, and Bank of Thailand launched the Bangkok Blueprint for Fraud-Resilient Financial Services.

Overview

•PromptPay currently has more than 83 million registered users.
•In 2025, the transaction value via PromptPay was 54 trillion baht, exceeding 2 times the GDP of Thailand.
•Withai Rattanakorn stated at the IMF-World Bank 2026 event that AI can increase productivity by automating complex tasks and improving credit assessments for SMEs and individuals with limited credit history.
•Withai Rattanakorn warned that increased transaction speed and connectivity allow fraud to spread more rapidly and cyber disruptions to affect multiple financial institutions across countries.
•The Bank of Thailand is operating under a Responsible Innovation Framework consisting of sound technology, sound governance, and sound economics.
•The International Monetary Fund, World Bank, and Bank of Thailand launched the Bangkok Blueprint for Fraud-Resilient Financial Services to combat cross-border digital fraud.
•The Bangkok Blueprint for Fraud-Resilient Financial Services defines 12 key considerations across 5 pillars: prevention, detection, response, information exchange, and accountability.

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Key Entities

Person

Withai Rattanakorn(วิทัย รัตนากร)

Governor of the Bank of Thailand.

Organization

Bank of Thailand(ธนาคารแห่งประเทศไทย)ℹ️

The central bank of Thailand that oversees financial stability and the Responsible Innovation Framework.

G30ℹ️

A group that pointed out linked risks such as high public debt and geopolitical fragmentation.

International Monetary Fund(กองทุนการเงินระหว่างประเทศ)ℹ️

An organization that collaborated with the World Bank and Bank of Thailand to launch the Bangkok Blueprint for Fraud-Resilient Financial Services.

World Bank(ธนาคารโลก)ℹ️

An organization that collaborated with the IMF and Bank of Thailand to launch the Bangkok Blueprint for Fraud-Resilient Financial Services.

Policy

PromptPay(พร้อมเพย์)ℹ️

Thailand's instant payment system launched 10 years ago.

Bangkok Blueprint for Fraud-Resilient Financial Services

A framework for fraud-resilient financial services featuring 12 considerations and 5 pillars.

Place

Thailand(ประเทศไทย)ℹ️

The country where PromptPay is utilized and whose GDP was compared to transaction values.