JurisTech Takes AI Lending Tech to Thailand With Thai-Listed TBN
Malaysian lending software firm JurisTech is taking its loan technology to Thailand. It has signed a memorandum of understanding (MoU) with TBN Corporation, a Thai-listed enterprise software company, to build AI-powered digital lending systems for Thai lenders, starting with non-bank lenders that serve consumers and small businesses.
Key facts
- The deal: Juris Technologies Sdn Bhd (JurisTech) and TBN Corporation Public Company Limited signed the MoU in Bangkok on 28 October 2026.
- The scope: an end-to-end system the partners call “One Connected Lending Lifecycle”, covering everything from customer onboarding and credit checks to loan servicing, collections, debt restructuring and recovery.
- First target: Thailand’s non-bank lenders, which often lend to people and small firms with thin credit records. Banks are also on the list.
- The technology: JurisTech’s “360° AI Lending Technology”, with AI used to read documents, support credit decisions and manage workflows while staff keep oversight.
- Track record: JurisTech, which has over 23 years of experience, was named Asia’s Best Lending Solution 2026 at the Euromoney Awards for Excellence.
What the partnership does
Most lenders still run the loan journey on separate systems: one for applications, another for credit scoring, another for collections. Data is typed in more than once, decisions slow down and changing a loan product can take months. The two companies say their plan is to join these steps into one connected platform.
The split of roles is simple. JurisTech brings the lending software, which it has sold to banks and financial institutions for more than two decades. TBN brings local market knowledge, its enterprise IT services and a presence on the ground in Thailand. That matters because lending software has to be set up for local rules, local credit data and the Thai language.
Both chief executives stressed that AI is a tool, not the whole answer. JurisTech chief executive See Wai Hun said the future of lending will not be defined by AI alone, but by how it is applied across the full credit process. TBN chief executive Panayu Sirikrachangsri said the aim is to help lenders follow the rules and manage risk while working faster and more profitably.
Why Thailand, and why non-banks
Non-bank lenders, such as consumer finance and small-business loan companies, are a growing part of Thai lending. They often reach borrowers that banks find hard to assess because those borrowers have little formal credit history. According to the partners, these lenders face limited access to credit data, high operating costs, manual work and stricter regulation.
Regulation is tightening across Thai consumer finance. The Bank of Thailand (BOT), the country’s central bank, has been pushing responsible lending and has set out new rules for areas such as buy now, pay later (BNPL). Better automation and audit trails can help lenders show they are lending responsibly.
What it means for Malaysians
- For the fintech sector: it is another case of a Malaysian fintech exporting its technology, not just serving the home market. Partnering with a listed local firm is a lower-risk way to enter a new country than going it alone.
- For banks and lenders here: the same push to automate the whole loan journey, with AI and human checks, is under way in Malaysia, where Bank Negara Malaysia (BNM) expects lenders to treat borrowers fairly and manage AI risks.
- For borrowers: connected lending systems usually mean faster approvals and fewer forms, but also more data-driven credit decisions. Consumers should expect lenders to explain how those decisions are made.
What to watch
- Whether the MoU turns into signed contracts with named Thai lenders, and how quickly.
- How Thai rules on responsible lending and AI use shape the system’s design.
- Whether JurisTech uses Thailand as a base for further expansion in the Mekong region.
Related on FinDeskAsia: How Malaysia’s payment system works and Thailand sets five new rules, from BNPL licences to baht stablecoins.
Sources: Digital News Asia (November 2026); Malaysia SME (October 2026); InfoQuest (October 2026).
