NCB Partners with ttb to Transform Personal Loans Toward a New Standard with Credit Score and Risk-Based Pricing (RBP)

ttb Disrupts Traditional Interest Rates with “Cash2Go” Personal Loans
Credit Score–Based Interest Rates Reward Good Borrowers with Lower Costs

ttb has announced its leadership in setting a new standard for Thailand’s personal loan industry by breaking away from the traditional income-based interest rate model and adopting credit score and risk-based pricing (RBP) for individual customers. Leveraging data from the National Credit Bureau (NCB), the new approach delivers greater fairness and accuracy in loan pricing. The initiative is being rolled out through the “Cash2Go” personal loan, with the aim of helping unlock solutions to Thailand’s household debt challenges while empowering financially disciplined consumers to achieve better long-term financial well-being.

NCB emphasizes that credit approval decisions remain the sole responsibility of financial institutions, and under the risk‑based pricing approach, credit scores serve only as an indicator for interest rate determination.

At the Headquarters of TMBThanachart Bank Public Company Limited, on 13 February 2026

Source: LinkedIn