Clicx Prompt Use Faces Prompt Dodge Behavior Just Days After Loan Launch

Product / TechRegulation
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Clicx Bank, Thailand’s first branchless commercial bank, has had to suspend applications for its Clicx Prompt Use loan after an online trend emerged encouraging people to apply for the loan with no intention of repaying, a behavior dubbed Prompt Dodge, just days after the official launch on August 1, 2026. From August 2, the loan application button in the CLICX app disappeared, though applications can still be submitted via the website with a longer processing time and additional documents required. Clicx Bank is a joint venture of three partners: Krung Thai Bank, Advanced Info Service, and PTT Oil and Retail Business, aiming to help those excluded from formal credit, but it now faces a test from this behavior. The Clicx Prompt Use loan features fast approval within five minutes, interest rates of 13% to 25% per annum based on risk, and allows self-employed individuals to apply without salary slips.

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