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The TBN Juristech Partnership is an exclusive memorandum of understanding (MOU) between TBN Corporation and Juristech
The TBN Juristech Partnership is an exclusive memorandum of understanding (MOU) between TBN Corporation Public Company Limited (TBN) and Juris Technologies Sdn Bhd, a regional credit system specialist from Malaysia. Under the agreement, the two companies will deliver End-to-End Lending systems in Thailand, with Non-Bank lenders as the main target. TBN's Chief Executive Officer, Mr. Panayu Sirikrajangsri, said the deal comes as the company expects its 2026 results to have passed their lowest point and the business to be entering a turnaround.
Why did TBN sign an exclusive MOU with Juristech?
TBN wants to become a leading provider of end-to-end loan management systems in Thailand. At the same time, it is changing its business model, moving from a technology service provider to a business solution provider. The goal is to build Recurring Income and help customers make credit decisions faster. The partnership pairs TBN's knowledge of the Thai market with Juristech's international technology. The same direction appears in the strategy TBN outlined in TBN Business Solution Lending.
Who is Juristech, and what is its track record?
Juristech is a credit system specialist from Malaysia. According to TBN, its systems have been in use for more than 23 years, across 9 countries and 160 financial institutions. Combined with TBN's expertise indigital solutions and its service capabilities, the partnership brings together what each side does best.
What does the End-to-End Lending system cover?
The system covers loan origination through Customer Engagement, KYC, credit analysis and decisioning, credit limit and collateral management, debt follow-up, legal workflow management, and a Core AMC module for managing non-performing assets. TBN says its debt collection system is the product the market is asking for most. TBN also points to easy configuration, scalability from small lenders to large institutions, and compliance with standards set by the Bank of Thailand. It says the system is more affordably priced than comparable Western technology.
Why is TBN targeting the Non-Bank segment?
TBN plans to extend its customer base beyond commercial banks, its existing core clients, into the Non-Bank segment. Thailand has more than 3,600 Non-Bank operators, and TBN sees roughly 1,000 of them as high-potential targets. They span hire-purchase, personal loans and Non-FICO lending. The company offers two delivery models: solutions built around a customer's specific needs, and packaged systems that are ready to use. Packaged systems shorten implementation and help customers get credit to borrowers sooner. The idea of running every lending step on one platform builds on the approach described in TBN Lending AI.
What does TBN expect for 2026 and 2027?
TBN expects clear numbers and customer response from new Non-Bank clients in early 2027. That should support its finance-sector revenue, which has historically been around 40-50% of income and is now about 50% of total revenue. Overall, management believes 2026 results have passed their lowest point. For 2027, TBN expects a significant improvement and targets total revenue growth of 15-20%. It expects to begin recognising meaningful revenue from the Juristech partnership from Q2 2027. For more on the company's recovery plan, see TBN expects second-half recovery with a 274 million baht backlog. In short, the partnership reflects TBN's shift from building custom systems to selling lending solutions that generate recurring income, using technology proven by Juristech and TBN's understanding of the Thai market. Readers who want to learn more can start with TBN End-to-End Lending or the company's view on agentic enterprise platforms.
Frequently Asked Questions
Q: What is the TBN Juristech Partnership?
A: TBN signed an exclusive MOU with Juristech, a Malaysian credit system specialist, to deliver End-to-End Lending systems in Thailand.
Q: What experience does Juristech have?
A: Juristech has provided lending systems for more than 23 years, across 9 countries and 160 financial institutions.
Q: What does TBN's lending system cover?
A: It covers loan origination, KYC, credit analysis and decisioning, credit limit and collateral management, debt collection, legal workflow management.
Adapted fromKhaohoon
