BANGKOK – October 23, 2025 – LINE BK celebrated five years of operations on Oct. 20, marking a half-decade as the pioneering “social banking” platform, integrating financial transactions — deposits, transfers, QR payment, loans, and insurance — within the LINE app.
Looking ahead to its next phase, LINE BK is now positioning itself as the "Everyday Financial Partner", committed to making financial matters more accessible and convenient. Aiming to be a reliable partner, standing by users through times of prosperity and through the challenges posed by the current economic environment.
"Over the past five years, LINE BK has facilitated financial convenience for the Thai people by showcasing the concept of 'Banking in Your Hand’,” said Tana Pothikamjorn, Chief Executive Officer of KASIKORN LINE Co., Ltd. “Whether opening saving accounts, scanning QR codes for payments, applying for loans, saving money, or purchasing insurance—everything can be done within the LINE app. We currently serve over 8 million customers and will continue advancing to become a true everyday financial partner for the Thai people."
Looking ahead to its next phase, LINE BK is now positioning itself as the "Everyday Financial Partner", committed to making financial matters more accessible and convenient. Aiming to be a reliable partner, standing by users through times of prosperity and through the challenges posed by the current economic environment.
"Over the past five years, LINE BK has facilitated financial convenience for the Thai people by showcasing the concept of 'Banking in Your Hand’,” said Tana Pothikamjorn, Chief Executive Officer of KASIKORN LINE Co., Ltd. “Whether opening saving accounts, scanning QR codes for payments, applying for loans, saving money, or purchasing insurance—everything can be done within the LINE app. We currently serve over 8 million customers and will continue advancing to become a true everyday financial partner for the Thai people."
Standing by the Thai People Through Every Crisis
LINE BK's launch coincided with the COVID-19 crisis, as well as economic uncertainty, political instability, and rising living costs in Thailand. Through it all, LINE BK stood firmly alongside the Thai people, offering support designed to help customers overcome crises and recover, including:
· Offering installment discounts and debt restructuring options for those impacted by various circumstances —including natural disasters like floods and earthquakes, as well as unrest along Thailand-Cambodia border. LINE BK also provides support in alignment with government initiatives, such as the “You Fight, We Help” program.
· Lending Responsibly, including providing financial education to encourage customers to borrow only when necessary and to carefully repay from authorized lenders while avoiding over-indebtedness and enabling financial recovery.
· Increasing credit limits for customers with good payment histories, helping expand access to capital and ease daily financial burdens.
Three Key Dimensions Driving LINE BK
Throughout the past five years, LINE BK has developed services to make financial matters easy, accessible, and comprehensive across three core dimensions:
1. Seamless in LINE – All Financial Matters in One Place
Complete all transactions — including opening saving accounts, transfers, QR code payments, loan applications, and insurance purchases — 24/7 through a single LINE app, no need to visit branches or switch between multiple apps.
2. Inclusive Finance – Open to All Occupations
Making financial services easily accessible to everyone, especially through authorized lenders. Access is not limited to salaried employees but is extended to freelancers and individuals with lower incomes, reducing barriers and expanding financial opportunities for the majority of Thais.
3. Comprehensive Solutions – Complete Coverage for Every Need
Developing products that cover daily banking transactions (Banking), enhancing liquidity through credit line facilities (Lending), and providing life and health protection through a variety of insurance plans (Insurance) to build both short-term and long-term financial security.
LINE BK's Growth Trajectory
1. All Financial Transactions Within LINE
Convenient, secure, and available 24/7—whether opening an online saving account, applying for a debit card, making a transfer or requesting money directly through chat.
2. Loans for All Income Groups
Credit Line and Nano Credit Line services are designed to enhance liquidity for low-income earners and freelancers.
Currently, LINE BK serves over 855,000 loan customers, with total outstanding loans exceeding THB 27 billion, and continues to maintain strong credit quality, with an NPL ratio of around 3%. Nearly half of the self-employed customers who have applied for loans with LINE BK earn less than 15,000 Thai Baht per month—a segment that typically faces limitations in accessing traditional credit. Additionally, LINE BK partnered with LINE MAN Wongnai to streamline loan access for merchants on the platform, helping them gain easier access to funding and improve financial flexibility.
3. Insurance Products, Covering Life, Health, and Savings Protection
LINE BK Insurance Broker continues to grow, expanding its offerings to meet evolving customer needs with more comprehensive products such as “Having Debts, No Worries,” a life insurance plan designed for individuals with debt obligations, helping to reduce the financial burden to families if an unexpected event happens. The majority of these customers — about 85% — belong to Gen Y, and this segment strongly prefer the XL plans that offer maximum coverage, frequently making repeat purchases to further increase their overall coverage. Best-selling products include “OPD Bao Bao,” which provides protection for outpatients, “Chod Choey Mai Chai Mee Khuen” a hospital benefit insurance product, and “Rokrai Jer Jai” offering customizable critical illness.
User Behavior Insights
Data shows Wednesday leads the week in transaction volume, especially during afternoon-to-evening hours—a reflection of urban lifestyle patterns. Usage peaks at lunchtime for QR code payments at stores, continues through the afternoon with loan applications and credit withdrawals, and culminates in the evening with the highest money transfer activity. This demonstrates LINE BK's success as a comprehensive all-in-one financial platform.
Advancing Toward Becoming an "Everyday Financial Partner"
Entering its sixth year, LINE BK aims to fully develop as an Everyday Financial Partner, bringing financial and social life closer together—not just managing personal finances, but enabling friends and family to easily share, recommend, and pass along good things within a single LINE app.
Kim Young Eun (Sunny), COO of LINE Financial and Chairman of the Board of Directors of KASIKORN LINE, said, “LINE BK aims to create a world where financial services naturally blend into users’ everyday lives. By leveraging LINE’s platform capabilities and AI technology, we will continue to enhance and deliver a uniquely differentiated financial experience that only LINE BK can provide.”
The company will leverage the strengths of the LINE ecosystem particularly through key partnerships such as with LINE MAN Wongnai, combined with KASIKORNBANK'S deep understanding of retail customers, powered by AI technology and responsible data usage to create agile digital financial services that integrate financial management as a true part of daily life and lay the foundation for a new era of digital finance in Thailand.
*Borrow only necessary and affordability to repay. Interest rates for Credit Line is 18%-25% per year, and Nano Credit Line is 33% per year.
**LINE BK Insurance Broker operates as a life insurance brokerage. Insured by Muang Thai Life Assurance PCL.
Warning: Please study policy coverage, conditions, and exclusions information before deciding to purchase insurance.
LINE BK's launch coincided with the COVID-19 crisis, as well as economic uncertainty, political instability, and rising living costs in Thailand. Through it all, LINE BK stood firmly alongside the Thai people, offering support designed to help customers overcome crises and recover, including:
· Offering installment discounts and debt restructuring options for those impacted by various circumstances —including natural disasters like floods and earthquakes, as well as unrest along Thailand-Cambodia border. LINE BK also provides support in alignment with government initiatives, such as the “You Fight, We Help” program.
· Lending Responsibly, including providing financial education to encourage customers to borrow only when necessary and to carefully repay from authorized lenders while avoiding over-indebtedness and enabling financial recovery.
· Increasing credit limits for customers with good payment histories, helping expand access to capital and ease daily financial burdens.
Three Key Dimensions Driving LINE BK
Throughout the past five years, LINE BK has developed services to make financial matters easy, accessible, and comprehensive across three core dimensions:
1. Seamless in LINE – All Financial Matters in One Place
Complete all transactions — including opening saving accounts, transfers, QR code payments, loan applications, and insurance purchases — 24/7 through a single LINE app, no need to visit branches or switch between multiple apps.
2. Inclusive Finance – Open to All Occupations
Making financial services easily accessible to everyone, especially through authorized lenders. Access is not limited to salaried employees but is extended to freelancers and individuals with lower incomes, reducing barriers and expanding financial opportunities for the majority of Thais.
3. Comprehensive Solutions – Complete Coverage for Every Need
Developing products that cover daily banking transactions (Banking), enhancing liquidity through credit line facilities (Lending), and providing life and health protection through a variety of insurance plans (Insurance) to build both short-term and long-term financial security.
LINE BK's Growth Trajectory
1. All Financial Transactions Within LINE
Convenient, secure, and available 24/7—whether opening an online saving account, applying for a debit card, making a transfer or requesting money directly through chat.
2. Loans for All Income Groups
Credit Line and Nano Credit Line services are designed to enhance liquidity for low-income earners and freelancers.
Currently, LINE BK serves over 855,000 loan customers, with total outstanding loans exceeding THB 27 billion, and continues to maintain strong credit quality, with an NPL ratio of around 3%. Nearly half of the self-employed customers who have applied for loans with LINE BK earn less than 15,000 Thai Baht per month—a segment that typically faces limitations in accessing traditional credit. Additionally, LINE BK partnered with LINE MAN Wongnai to streamline loan access for merchants on the platform, helping them gain easier access to funding and improve financial flexibility.
3. Insurance Products, Covering Life, Health, and Savings Protection
LINE BK Insurance Broker continues to grow, expanding its offerings to meet evolving customer needs with more comprehensive products such as “Having Debts, No Worries,” a life insurance plan designed for individuals with debt obligations, helping to reduce the financial burden to families if an unexpected event happens. The majority of these customers — about 85% — belong to Gen Y, and this segment strongly prefer the XL plans that offer maximum coverage, frequently making repeat purchases to further increase their overall coverage. Best-selling products include “OPD Bao Bao,” which provides protection for outpatients, “Chod Choey Mai Chai Mee Khuen” a hospital benefit insurance product, and “Rokrai Jer Jai” offering customizable critical illness.
User Behavior Insights
Data shows Wednesday leads the week in transaction volume, especially during afternoon-to-evening hours—a reflection of urban lifestyle patterns. Usage peaks at lunchtime for QR code payments at stores, continues through the afternoon with loan applications and credit withdrawals, and culminates in the evening with the highest money transfer activity. This demonstrates LINE BK's success as a comprehensive all-in-one financial platform.
Advancing Toward Becoming an "Everyday Financial Partner"
Entering its sixth year, LINE BK aims to fully develop as an Everyday Financial Partner, bringing financial and social life closer together—not just managing personal finances, but enabling friends and family to easily share, recommend, and pass along good things within a single LINE app.
Kim Young Eun (Sunny), COO of LINE Financial and Chairman of the Board of Directors of KASIKORN LINE, said, “LINE BK aims to create a world where financial services naturally blend into users’ everyday lives. By leveraging LINE’s platform capabilities and AI technology, we will continue to enhance and deliver a uniquely differentiated financial experience that only LINE BK can provide.”
The company will leverage the strengths of the LINE ecosystem particularly through key partnerships such as with LINE MAN Wongnai, combined with KASIKORNBANK'S deep understanding of retail customers, powered by AI technology and responsible data usage to create agile digital financial services that integrate financial management as a true part of daily life and lay the foundation for a new era of digital finance in Thailand.
*Borrow only necessary and affordability to repay. Interest rates for Credit Line is 18%-25% per year, and Nano Credit Line is 33% per year.
**LINE BK Insurance Broker operates as a life insurance brokerage. Insured by Muang Thai Life Assurance PCL.
Warning: Please study policy coverage, conditions, and exclusions information before deciding to purchase insurance.