Beruflich Dokumente
Kultur Dokumente
Business /SMEs/People
Money
Market
And
Capital
Market
Payment System in Thailand
3 Central
Business /SMEs/People
Currency Mkt
Global Financial Flows
Bank
1 Business Collection
Bank Business Pay
(ATM e-banking Mobile)
2 Clearing and
Equity Mkt.
Settlement
Bond Mkt.
1. Banking Payment System
Wire
transfer BAHT NET
Inter-
Manager
Bank Check
Electronic Payment Transfer
Payment Gateway
Cash/Check e-banking
SMEs Postal Payment Business Net (Direct Credit/Media Clearing)
Deposit-withdraw e-banking
Cash/Check Internet Easy M Pay
Payment Transfers
People Postal Payment
Easy Smart Money
direct debit/ Net
ATM Bill Payment
e-payment
Digitization/Computerization Digitization/mobile
Counter Internet Cellular
-teller ATM
Web Phone
2. Payment System in Capital Markets
Client
From order by phone to
e-trading
by Brokerage
House Information
Brokerage Client Made Order by
House Account Real time trading Phone
Broker’s
SET/MAI/TFET
Account
Bank
Bank Collection &
Equity Market Payment System
Bond Market
Security Real time trading
House
BEX Bond
BEX Information
Exchange Market
Made Order by
Client Phone
OTC Market
Bank Collection &
Bank
Payment System
Digitization/Computerization Digitization/mobile
Counter Internet Cellular
-teller ATM
Web Phone
3. Payment System in Non-Bank Sector
Client e-trading
by Brokerage
House Information
From payment by ATM Made Order by
Real time trading Phone
Client SET/MAI/TFET
Non Bank Account
Broker’s
Account
Bank
Bank Collection &
Payment System
Digitization/Computerization Digitization/mobile
Counter Internet Cellular
-teller ATM
Web Phone
4. Behavior Regarding ATM, Cards, Internet and Mobile Banking
2007 %
2006 2007 change
In-house transfer 36.90% Internet Banking
Payment for Goods and Services 29.50% Volume of transactions (1,000
Salary and Wage Payment 20.10% transaction) 15,489 21,221 37%
Value of transactions (Million Baht) 3,584 4,896 37%
Others 13.20% Mobile Banking
Volume of transactions (1,000
transaction) 355 359 1%
Value of transactions (Million Baht) 392 336 -14%
5. Capital Flows and Payment System