The financial and payment services sector is a key part of the economy, affecting people’s well-being, efficiency in several markets, and overall financial stability. Regulatory decisions—both whether to regulate and how—play a central role in shaping the competitive dynamics within these financial and payment service markets. Healthy competition can foster innovation, lower transaction costs, and improve service quality for consumers. Despite its importance, research related to appropriate regulation policies to promote competition in Thailand’s financial and payment services remains limited.

1. Developing a theoretical framework that guide mechanism design of optimal regulations — when and how to regulate — and comparing different regulatory choices for the context of financial and payment services sector in Thailand
2. Empirically examining the relationship between levels of market competition, and outcomes such as pricing, service quality, and innovation.
3. Evaluating the impact of past and current regulatory policies on the structure and performance of banking, financial, and payment services markets.