Offline banks have been issuing fewer loans than they once did. Digital loans are going to be critical to driving service growth. SCB had been exploring how to build a new digital finance ecosystem and how to develop food & drink, healthcare, and other services. The goal is to gain 200 million digital users by 2026.

Huawei Cloud built DBank, a cloud native digital loan platform, for SCB. It features scalable resources, supports agile innovation, and provides high security and reliability. Huawei Cloud's partner Sunline, a leading banking software and technology services company in China, developed containerized digital loan applications for SCB based on DBank.

Digital loan services can handle high concurrency access, support elastic scale-out, and ensure high resource utilization thanks to a cloud native infrastructure. A data-driven automated process allows a huge number of loan requests to be processed within 5 minutes. The transaction performance of digital loan services is two times that of traditional loan services.

Only three months after digital loan services were launched, SCB acquired 45,000 new digital users, with THB204 million in loans issued.