TLDR: CardX, a credit card and personal loan provider under SCBX Group, has successfully migrated its core banking system to a cloud-based architecture, becoming the first in Thailand and Southeast Asia to do so for over 3 million accounts. This achievement earned them “The Best Cloud Based Technology Initiative in Thailand” award from The Asian Banker, positioning the company to leverage AI for enhanced customer experiences and business expansion.
Bangkok, Thailand – CardX, a prominent credit card and personal loan service provider within the SCBX Group, has announced a groundbreaking achievement in its technological transformation, successfully migrating its entire core banking system to a cloud-based architecture. This strategic move marks a significant milestone, establishing CardX as the first company in Thailand and Southeast Asia to accomplish such a comprehensive cloud migration for over 3 million credit card and personal loan accounts.
The company’s pioneering efforts have been recognized with “The Best Cloud Based Technology Initiative in Thailand” award, presented by “The Asian Banker Thailand Excellence in Retail Finance and Financial Technology Awards 2025.” This prestigious accolade underscores CardX’s forward-thinking vision and unwavering commitment to leveraging advanced technology and innovation to deliver superior value to its customers through modern financial products and services. It also highlights CardX’s operational efficiency with cloud technology and its strategic foundation for future AI-driven business operations.
Mr. Sarut Ruttanaporn, Chief Executive Officer of Card X Co., Ltd. (CardX), emphasized the significance of this transformation. “This achievement stems from our strategic adoption of advanced cloud technology, enabling CardX to respond to customer needs with greater speed and efficiency,” stated Mr. Ruttanaporn. He further elaborated that the migration is more than just an operational upgrade; “it empowers CardX to fully harness AI technology to drive business growth. It allows us to utilize existing data to expand our offerings and develop products and services in real time, aiming to deliver hyper-personalized experiences that meet customer expectations across all dimensions in the digital age.”
The successful migration of data from over 3 million customer accounts represents a substantial leap forward, propelling Thailand’s financial industry into the era of Data Intelligence & Cloud. CardX is particularly focused on developing “AI with Soul,” an artificial intelligence technology designed not only for swift responses but also to integrate deep customer data intelligence, fostering a profound understanding and empathy for customer needs. This initiative aligns with CardX’s core principle of “Customer First,” ensuring that services are designed to simplify complexity, offering convenience and peace of mind in every interaction.
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This landmark achievement positions CardX at the forefront of financial technology innovation in the region, setting a new standard for digital transformation and customer-centric service delivery.
