At the same time, the organization has adjusted its direction to keep up with changes in financial innovation and new types of financial services, such as commercial banks without a branch or virtual banks that are about to happen in Thailand. Which is currently in many countries around the world. Has published rules for the establishment of a commercial bank without a branch or a Virtual Bank, such as Japan, Taiwan, Korea, Singapore, England, etc. For Thailand, Depositors’ deposits are protected by the Deposit Protection Agency. according to the protection limit prescribed by law, in the amount of 1 million baht per 1 depositor per 1 financial institution as well