Impact report · Q3 2569
5,615 workers told us what changed.
Every quarter we survey FINN users who withdrew and repaid in the previous 30 days. These are the Q3 2569 results in full — including the numbers that give us pause.
Respondents
5,615
FINN users surveyed in Q3 2569
- 92.8%
- say their quality of life improved
- 87.1%
- worry less about money
- 80.4%
- never had access to anything like FINN
Headline findings
The short version.
- 92.8%
- say their quality of life improved
- Only 0.6% reported it got worse.
- 87.1%
- worry less about money
- And the same share find a ฿5,000 emergency easier to cover.
- 80.4%
- never had access to anything like FINN
- Two thirds also had no easy alternative.
- 5,615
- workers surveyed in Thailand
- Across factories, retail, service and logistics teams.
Section 1 · Inclusion
For four in five users, there was nothing before this.
FINN is not replacing a bank product for most of these workers. It is the first formal option they have had at all.
- Had no access to this kind of service before FINN
- 80.4%
- Find it hard or very hard to find an alternative
- 76.0%
- Both: no prior access and no easy alternative
- 64.5%
- Could easily find an alternative
- 8.5%
Section 2 · Wellbeing
Reported change since using FINN
6.6% no change · 0.6% worse
7.1% no change · 0.5% worse
10.4% no change · 2.5% more worried
10.2% no change · 2.7% harder
9.5% no change · 14.5% worse
Section 3 · Usage
What withdrawals pay for
- Household expenses82.2%
- Emergency expenses55.1%
- Education14.3%
- Paying off higher-cost debt12.6%
- Business or freelance work11.3%
- Medical costs9.7%
Multi-select; percentages do not sum to 100.
Section 5 · Protection
Clear pricing and manageable repayment.
- Say fees and costs are clear
- 81.1%
- Repayment is no problem
- 75.9%
- Repayment is somewhat of a burden
- 21.8%
- Repayment is a heavy burden
- 2.4%
"The service is transparent and the cost is clear. I use it for what the household needs and it's gone by payday — no interest stacking up behind me."
Get the full Q3 2569 report.
FINN users who made a withdrawal and completed repayment within the previous 30 days. The full document includes methodology, question wording, segment breakdowns and quarter-on-quarter comparisons.
Want these numbers for your own workforce?
We run the same survey with partner employers and report back anonymised results for your team.
