The BOT commissioned a nationwide survey in 2002 to appraise client satisfaction with available financial services. The result of the survey was rather discouraging because, although depositors were well served by the system, clients often encountered problems on access to credit. The Thai financial secter focused its services on the advanced secters, with little attention paid to the less privileged groups. For example, roughly 23% of small- and medium-sized enterprises (SME) lacked access to credit from the financial system, and so