BANGKOK: Thailand’s household debt has spiralled to almost equal the size of its US$ 472bil( RM1.96 trillion) economy, yet millions of individual borrowers still struggle to access credit.... For tech-driven microfinance companies, that crunch represents a multi-billion dollar opportunity. Lenders are offering loan approvals via smartphones and artificial intelligence within minutes for amounts as low as 2, 000 baht( US$ 60 or RM248.69) to borrowers with no credit history. That’s already sparke