Krungsri Research：2025年泰国虚拟银行发展趋势、制约因素及其适应性调整研究报告（英文版）

Since the outbreak of COVID-19 in 2020, financial institutions worldwide have accelerated their digital transformation, particularly in service channels that allow customers to access banking services online. However, according to the World Bank,1/ as of 2024, 21% of the global population still does not have a bank account,2/ which limits their access to financial services. This is especially true for people living in remote areas, low-income groups, and self-employed individuals, who often f