Financial Inclusion
Beyond supporting the business sector, Siam Commercial Bank integrates financial inclusion into the development of the financial solutions to strengthen financial resilience, reduce vulnerability, and support economic stability at the grassroots level. SCB focuses on customer segments with limited access to formal financial services, aiming to enhance financial security and inclusion.
Project 1
SCB MeTang
Enhancing Financial Security for Employees of SCB's Corporate Payroll Customers

SCB MeTang is a service under the SCB Payroll Total Solution, developed to support over 40 leading partner organizations using the Bank's payroll services. This solution enables employees, particularly low-income and blue-collar workers receiving salaries through Siam Commercial Bank accounts, to gain greater financial flexibility and improved financial security.

12,700
Employees of SCB's payroll customer organizations using MeTang Service
40+
Corporate PartnersLeading companies utilizing the service
83.5%
of users are low-income and blue-collar workers
Earned Wage Access
Employees can access up to 50% of earned wages in advance through the SCB EASY application when needed.
Zero Interest
Provides access to emergency funds without interest charges, helping to break cycles of reliance on informal and high-interest debt.
Promoting Financial Responsibility
Encouraging the use of earned money rather than incurring new debt, thereby reducing financial stress and household debt burdens.
Shared Value for Organizations and Employees
👤 For Employees
  • Improved quality of life
  • Reduced financial anxiety
  • Enhanced pride and engagement at work
🏢 For Employers
  • Enhanced employee benefits at no additional cost
  • Lower employee turnover
  • Increased productivity from happier employees

These outcomes reinforce the Bank's role in driving sustainable growth through inclusive and innovative financial solutions. Moving forward, the Bank plans to expand SCB MeTang to more organizations with low-income worker populations to distribute financial security opportunities more broadly throughout society.

Project 2
Microinsurance Products
SCB Protect — Broadening Insurance Access for All

SCB Protect continuously supports the policies of the Office of Insurance Commission (OIC) through Microinsurance products designed to broaden financial access for people at all levels. These products are characterized by their simplicity, ease of application, and highly affordable premiums.

Reduce Insurance Access Gap
Enable low-income groups and informal workers such as farmers, small traders, and self-employed individuals, to access coverage with premiums as low as THB 10.
Strengthen Financial Security
Reduce the risk of informal debt incurrence during unexpected events through a fast and uncomplicated claims system.
Expanding Coverage to Remote Areas
Increasing distribution via community service points and digital channels to serve target groups who lack access to traditional insurance agents.
100,000
Policies per year – Target 2025 – 2027
Distributed during New Year and Songkran festivals
Personal Accident Insurance
Residential Fire Insurance

The Bank focuses on two core products: personal accident insurance and residential fire insurance. Distribution plans are concentrated around major festive periods, including New Year and Songkran, to enhance peace of mind for travel and daily life.