CardX, a leading credit card and personal loan provider within the SCBX Group, has been awarded “The Best Cloud Based Technology Initiative in Thailand” at the Asian Banker Awards 2025. This prestigious honor recognizes CardX as the first company in Thailand and Southeast Asia to successfully migrate its entire core banking system for over 3 million accounts to the cloud.
This historic technological transformation marks a significant leap for Thailand’s financial sector. According to Sarut Ruttanaporn, CEO of CardX, the migration is far more than a simple upgrade. “It empowers CardX to fully harness AI technology to drive business growth,” he stated. “We can now utilize data to expand our offerings and develop products in real time, with the goal of delivering truly hyper-personalized experiences for our customers.”
AI with Soul: Redefining Customer Experience and Security
CardX’s new cloud-based architecture allows for the implementation of “AI with Soul”, an advanced AI system designed to deeply understand and anticipate customer needs. This focus on a “Customer First” approach enables CardX to offer simplified, seamless services like personalized promotions, flexible credit limit management, and faster customer support.
The new system also introduces a Double Fraud Detection feature, which uses AI and machine learning to instantly spot and alert customers to unusual card activity. This, combined with the Card Control feature that allows users to independently lock their cards or manage international transactions, sets a new standard for security and peace of mind in the digital payments industry.
With this technological overhaul, CardX is not just a credit card provider anymore; it’s a modern Digital Payment Platform. The company is positioned for a stable and sustainable future, ready to meet the evolving demands of customers in the digital age.
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