SCBX Files Patents for Three Pivotal AI Innovations
SCBX has announced the successful filing of three significant patents, developed by the SCBX R&D and Innovation Lab. This milestone underscores the organization’s unwavering commitment to advancing responsible, secure, and transparent AI-driven financial technologies. The patents encompass three principal domains:
• Customer Protection: Utilizing voice-to-text technology to monitor sales conduct and ensure service quality.
• Workforce Development: Implementing AI-powered conversational training systems to enhance employee communication skills and regulatory compliance.
• Quantum-Resilient Credit Assessment: Deploying frameworks based on Post-Quantum Cryptography (PQC) and Zero-Knowledge Proof (ZKP), enabling privacy-preserving joint credit scoring for both financial and non-bank sectors, such as telecom and retail, without the exchange of raw data. These innovations collectively fortify the organization’s preparedness for the post-quantum era and elevate security standards for the future.
Mr. Kaweewut Temphuwapat, Chief Innovation Officer of SCB X Public Company Limited and Chief Executive Officer of SCB 10X Company Limited, remarked, “The filing of these patents reflects SCBX Group’s steadfast dedication to establishing a robust foundation of intellectual property, which will benefit customers, regulators, and the broader financial ecosystem. Our commitment lies in developing technologies that are not only innovative but also responsible and secure, particularly as the financial sector transitions into an AI-driven era and confronts emerging quantum threats. These challenges necessitate forward-thinking and the development of innovations that foster enduring confidence among all stakeholders.”
Dr. Tutanon Sinthuprasith, Head of R&D at SCB X Public Company Limited (SCBX), added, “At SCBX R&D, patenting is regarded as more than mere protection; it serves as evidence of our long-term investment in cultivating a genuine innovation engine, powered by research, for the SCBX Group. From AI systems that monitor customer interactions to quantum-resistant credit assessment frameworks, these inventions demonstrate the capability of Thai financial institutions to produce world-class technologies that withstand the test of time and compete on the global stage, thereby enhancing Thailand’s standing in regional financial technology.”
Ms. Weerin Chantaroje, Head of Innovation at SCB X Public Company Limited (SCBX), concluded, “This series of patent filings exemplifies authentic innovation within SCBX Group, arising from the collaboration of engineering teams, business units, and frontline staff to address practical operational challenges. AI solutions, ranging from equitable customer service oversight to secure risk assessment and lending, yield tangible business outcomes and support our strategic objective to scale AI adoption across the organization. The strong collaboration among group companies and the support from SCBX have enabled us to accelerate the innovation cycle, transforming advanced concepts into technologies that will define the future of finance.”
Overview of SCBX Group’s Three AI Patents
1. Voice-to-Understanding
This system converts conversations between customers and staffs into text using Thai-optimized Automatic Speech Recognition (ASR) and Large Language Model (LLM) analysis. It detects regulatory violations, incomplete disclosures, and service quality gaps, facilitating prompt and consistent monitoring of sales conduct. The technology is currently deployed at AutoX and CardX, subsidiaries of the SCBX Group, enhancing transparency and operational stability.
2. Voice-to-Voice AI Trainer
An AI-driven simulation platform designed to improve frontline staff’s communication and regulatory compliance skills. The system dynamically adjusts questions and evaluates the accuracy and completeness of responses, supporting training programs for relationship managers, agents, and sales teams across SCBX Group companies.
3. Distributed Credit Scoring: Secured by Post-Quantum Cryptography (PQC) and Zero-Knowledge Proof (ZKP)
A credit scoring framework enabling financial and non-bank sectors (e.g., telecom, retail) to jointly calculate credit scores without sharing customer raw data, using PQC and ZKP to guard against quantum computing threats. This lays the foundation for future privacy-preserving credit infrastructure.
SCBX, through its R&D division, will continue to strengthen its patent portfolio with ongoing innovation, expediting the deployment of these technologies across the group. The forthcoming phase will emphasize scaling implementation, fostering cross-industry collaboration, and developing future-ready capabilities to reinforce SCBX’s leadership in regional financial technology
