Building a smarter bank through digital customer experiences
Siam Commercial Bank· ThailandDelta Lake · Unity Catalog · MLflow +2Siam Commercial Bank, one of Thailand's largest banks with over 17 million customers, migrated to the Databricks Data + AI Platform with Delta Lake, Unity Catalog and MLflow to power instant digital loan approvals and personalized product recommendations, replacing a fragmented SAS/Teradata setup. This delivered a 2x increase in new digital loans, 62% faster ML deployment lifecycle, and 30 million THB/year in lower operational costs.
Overview
Siam Commercial Bank, one of Thailand's largest banks with over 17 million customers, migrated to the Databricks Data + AI Platform with Delta Lake, Unity Catalog and MLflow to power instant digital loan approvals and personalized product recommendations, replacing a fragmented SAS/Teradata setup. This delivered a 2x increase in new digital loans, 62% faster ML deployment lifecycle, and 30 million THB/year in lower operational costs.
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Inspect the highlighted sourceThe challenge
SCB's outdated technology infrastructure was too complicated to handle the massive influx of data effectively, slowing customer-centric innovation. Its cloud data lake was too complex to maintain and couldn't handle the large scale of data needed to support ML workloads, and onboarding new data scientists took two to three months.
The solution
Now, SCB can offer instant loan approvals based on predictive analytics: for high-risk customers, it has a digital system in place to determine risk level and the best collection strategies for each individual; for current bank customers, it can use existing data to predict whether they qualify without the customer submitting any docs. SCB has also tapped into AI and ML to offer more personalized recommendations on investment strategies and new banking products based on customers' behavior.
Sources
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