Comprehensive FinTech Market Entry & Scaling Solutions

At Sam’O, we deliver end-to-end solutions to empower global and domestic FinTech companies to thrive in Thailand’s dynamic financial landscape. Whether you’re a global payment network establishing your first Thai entity or a local startup navigating the complexities of Bank of Thailand (BOT) licensing, we provide a tailored, comprehensive roadmap from incorporation to operational maturity. Our services combine deep local expertise with global standards, ensuring your success at every stage of your FinTech journey. With a proven track record of building Thailand’s payment infrastructure and guiding international players through market entry, we don’t just advise—we partner with you to turn your vision into reality. Explore our four service pillars below to see how we can help you achieve operational excellence and sustainable growth in Thailand’s vibrant FinTech ecosystem.

Market Entry & Strategy

Strategic Planning & Market Analysis

Entering Thailand’s FinTech market requires more than ambition—it demands precision, insight, and a strategy tailored to its unique regulatory and competitive landscape. At Sam’O, we provide the tools and intelligence you need to position your business for success from day one.

What We Offer

• Comprehensive Thailand FinTech Landscape Analysis: We deliver an in-depth assessment of Thailand’s FinTech ecosystem, covering market size, growth trends, consumer behaviors, and emerging opportunities. Our proprietary data and industry connections ensure you have a clear picture of the market dynamics.
• Competitive Positioning and Go-to-Market Strategy: We analyze your competitors and craft a differentiated positioning strategy to ensure your brand stands out. Our go-to-market plans include actionable timelines, marketing strategies, and customer acquisition frameworks tailored to Thailand’s unique audience.
• Business Model Viability Assessment for Thai Market: We evaluate your business model against Thailand’s regulatory, cultural, and economic realities, identifying risks and opportunities to ensure long-term success.
• Partnership and Ecosystem Mapping: Thailand’s FinTech sector thrives on partnerships. We identify and connect you with key stakeholders—banks, payment networks, tech providers, and regulators—to build a robust ecosystem for your business.
• Volume Threshold Analysis (When to Build vs. Partner): Should you invest in proprietary infrastructure or leverage existing platforms? Our data-driven analysis helps you make informed decisions about when to build in-house solutions versus partnering with established players like National ITMX or commercial banks.

Why Choose Sam’O?

Our team, with senior leadership from Thailand’s top financial institutions (National ITMX, SCB, KBank), brings unparalleled insights into the market’s nuances. We’ve helped global FinTechs and startups craft strategies that align with Thailand’s fast-evolving digital payment trends, ensuring you hit the ground running.

• Typical Engagement: 6-12 weeks
• Ideal For: International FinTech and PayTech companies exploring Thailand market entry or domestic startups seeking a competitive edge.

Regulatory & Licensing

BOT Licensing & Compliance Navigation

Thailand’s regulatory environment is complex, but compliance is non-negotiable. Sam’O’s deep experience with the Bank of Thailand (BOT) and local financial regulations ensures your business meets all requirements while maximizing operational flexibility.

What We Offer

• Company Incorporation and Legal Structure Optimization: We guide you through the process of establishing a legal entity in Thailand, optimizing your corporate structure to align with BOT regulations and tax considerations.
• Payment Service Provider (PSP) License Application: We manage the end-to-end PSP licensing process, from preparing documentation to liaising with the BOT, ensuring a smooth and efficient approval process.
• E-Money License Facilitation: For businesses offering electronic money solutions, we streamline the e-money license application, leveraging our direct experience with BOT processes to expedite approvals.
• Payment Gateway Authorization: We assist in securing authorization for payment gateways, ensuring compliance with Thailand’s stringent financial regulations.
• Ongoing Regulatory Compliance Management: Stay ahead of regulatory changes with our proactive compliance monitoring and advisory services, keeping your operations fully compliant as the FinTech landscape evolves.
• AML/KYC Framework Implementation: We design and implement robust Anti-Money Laundering (AML) and Know Your Customer (KYC) frameworks tailored to your business, ensuring compliance with BOT and international standards.

Why Choose Sam’O?

Our team’s direct experience with BOT processes—combined with our track record of securing licenses for leading FinTechs—means we navigate the regulatory maze with unmatched precision. We minimize delays and ensure your business is compliant from day one.

• Typical Engagement: 4-9 months (depending on licensing timelines)
• Ideal For: Companies requiring BOT authorization to operate in Thailand’s regulated financial sector.

Infrastructure & Implementation

Technology & Operational Setup

Building a FinTech operation in Thailand requires a robust, secure, and scalable infrastructure. Sam’O’s hands-on experience in developing Thailand’s payment systems ensures your technology and operations are built for success.

What We Offer

• Payment Infrastructure Architecture Design: We architect scalable, secure payment systems tailored to your business needs, from mobile apps to enterprise-grade platforms, ensuring seamless performance in Thailand’s market.
• PromptPay Integration and Testing: We facilitate integration with Thailand’s PromptPay system, the backbone of the country’s digital payments, including rigorous testing to ensure reliability and compliance.
• PCI-DSS Compliance Roadmap: We guide you through achieving Payment Card Industry Data Security Standard (PCI-DSS) compliance, safeguarding your operations and customer data.
• Risk and Fraud Management System Setup: Protect your business with advanced risk and fraud detection systems, customized to address Thailand-specific threats and compliance requirements.
• Settlement and Reconciliation Process Design: We design efficient, transparent settlement and reconciliation processes, minimizing errors and ensuring smooth financial operations.
• System Integration with Thai Banking Networks: We enable seamless connectivity with Thailand’s banking networks (e.g., SCB, KBank, National ITMX), ensuring your platform integrates effortlessly with local systems.

Why Choose Sam’O?

Our team has built and scaled the very infrastructure that powers Thailand’s financial ecosystem. From National ITMX’s payment systems to commercial bank integrations, we bring practical expertise to deliver solutions that are both innovative and reliable.

• Typical Engagement: 3-8 months
• Ideal For: Licensed entities ready to build or optimize operational capabilities in Thailand.

Managed Operations

Outsourced Operations & Executive Support

Scaling a FinTech operation doesn’t mean hiring a full in-house team. Sam’O’s managed operations services provide the expertise, efficiency, and flexibility you need to achieve operational excellence without the overhead.

What We Offer

• Fractional C-Suite Executives: Access experienced CTOs, Compliance Heads, and Operations leaders on a fractional basis, providing strategic leadership without the cost of full-time hires.
• Settlement and Reconciliation Team: Our dedicated team manages your settlement and reconciliation processes, ensuring accuracy, transparency, and compliance with Thai regulations.
• Customer Support Operations: We provide scalable, multilingual customer support solutions tailored to Thailand’s FinTech market, enhancing user satisfaction and retention.
• Compliance Monitoring and Reporting: Stay compliant with ongoing monitoring and detailed reporting, keeping your business aligned with BOT and international standards.
• Risk Management Operations: Our experts manage real-time risk and fraud operations, leveraging advanced tools to protect your business and customers.
• Technical Support and Maintenance: We provide ongoing technical support, system maintenance, and performance optimization to keep your operations running smoothly.

Why Choose Sam’O?

Our managed operations services are designed for flexibility, allowing you to focus on growth while we handle the operational heavy lifting. With senior leaders from Thailand’s top financial institutions, we deliver world-class expertise tailored to your needs.

• Typical Engagement: Ongoing retainer or project-based
• Ideal For: Organizations seeking operational excellence without the burden of full-time hiring or complex in-house systems.