What QR Technologies does

QR Technologies Co., Ltd. (บริษัท คิวอาร์ เทคโนโลยีส์ จำกัด) is a Thai private technology company operating two distinct lines of business from its headquarters in Bangkok's Din Daeng district. The first is an enterprise SMS platform delivered via API, offering three products — SMS 2-Way (bidirectional messaging), SMS Marketing (campaign management with analytics), and SMS OTP (one-time-password authentication) — that connect directly to major Thai mobile networks and integrate with customer CRM and financial transaction systems. The second line is a licensed Pico Finance micro-lending operation branded as Ounjai Cash (อุ่นใจแคช), operated under Thai Ministry of Finance license 67/2563 issued in 2020 and regulated by the Fiscal Policy Office, distributed to provincial individual borrowers through a Line channel (@ounjaicash) and supported by the Thainance mobile application.

The company's revenue model is dual-track: usage-based fees on the SMS API platform and transaction/interest income from Pico Finance lending. GTM is primarily API-first for enterprise clients (direct integration into CRM or financial systems) and direct-to-consumer via Line for the lending product. The company has 11-50 employees, no disclosed investors or funding rounds, no named customers, no public pricing, and operates exclusively in Thailand.

Notable strategic positioning includes the dual-business combination (digital communications + licensed consumer finance), the regulatory moat from the Pico Finance license, and bilingual Thai/English website presentation, though there is no evidence of international expansion. No management team, AI/ML capabilities, patents, or industry awards are disclosed in the source material.

Name

QR Technologies

Legal name

บริษัท คิวอาร์ เทคโนโลยีส์ จำกัด (QR Technologies Co., Ltd.)

Website

https://qrtec.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

QR Technologies Co., Ltd. is a Thai private company that operates an enterprise SMS API platform (2-Way, Marketing, OTP) and a Ministry of Finance-licensed Pico Finance micro-lending service (Ounjai Cash), serving Thai enterprises and provincial individual borrowers from Bangkok.

Ownership category

akta.pro rank

Headquarters

HQ city

Din Daeng

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Operations, Personnel, Infrastructure, Marketing or Sales

Revenue model

1. SMS Solutions Services: Enterprise SMS services including 2-Way SMS, SMS Marketing, and SMS OTP, delivered via API with management and analytics tools
2. Pico Finance Lending: Small-scale provincial lending (Pico Finance) generating interest income from micro-loans to individuals

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

QR Technologies provides enterprise SMS communication services, including SMS 2-Way, SMS Marketing, and SMS OTP, delivered through an API for direct integration with CRM and financial transaction systems. The company also operates a Ministry-of-Finance-licensed Pico Finance micro-lending business (Ounjai Cash) that provides small-scale provincial loans under license number 67/2563.

Product overview

QR Technologies Co., Ltd. offers two main product lines: SMS Solutions and Pico Finance. The SMS Solutions suite includes SMS 2-Way (bidirectional messaging), SMS Marketing (campaign management with analytics), and SMS OTP (secure authentication via one-time passwords). The Pico Finance offering, branded as อุ่นใจแคช (Ounjai Cash), is a licensed micro-lending platform for provincial small-scale loans. The SMS services connect directly to major networks via API for automated communication integration with enterprise systems.

Differentiator

Problem solved

Functional benefit

Brands

• อุ่นใจแคช (Ounjai Cash): Pico finance (small-loan) lending product offered under Ministry of Finance license 67/2563, regulated by the FPO.
• แอปไทยแนนซ์ (Thainance Application)

Products and services

• SMS 2-Way Two-way SMS communication service enabling bidirectional text messaging between organizations and their customers, supporting interactive dialogue and automated responses via the QR Technologies API.
• SMS Marketing Enterprise SMS marketing service providing campaign management tools and analytics reporting for targeted customer outreach, campaign performance tracking, and effective target audience reach.
• SMS OTP One-time password SMS service providing secure authentication for verifying user identities during financial transactions and account access.
• Ounjai Cash (อุ่นใจแคช) - Pico Finance Pico Finance micro-lending platform operated under Ministry of Finance license 67/2563 (regulated by the Fiscal Policy Office), providing small-scale personal loans primarily to borrowers in Thai provincial areas via the Ounjai Cash brand.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• ARIOMARKETING CO., LTD.minorOthersARIOMARKETING CO., LTD. provides website design services for QR Technologies, as noted in the website footer copyright notice.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• NgernTidLor (TIDLOR): Thai personal lending company offering small-ticket loans via digital channels to provincial borrowers. Comparable target segment (Thai provincial consumers) and similar regulated small-loan product structure as QR Technologies' pico finance.
• Infobip: Croatian cloud communications platform with SMS API, OTP, and marketing solutions. Closely comparable on product breadth and direct-to-carrier connectivity claims to QR Technologies' platform.
• Telesign: Identity and communications platform specializing in SMS verification, OTP, and fraud prevention. Closely comparable to QR Technologies' SMS OTP and two-way authentication offerings for financial/enterprise customers.
• Twilio: Global CPaaS leader offering programmable SMS API, two-way messaging, and OTP services. Direct competitor to QR Technologies' enterprise SMS Solutions business, with the same API-first delivery model and CRM/transaction integration capabilities.
• AEON Thailand: Major Thai micro-lender operating under Thailand's pico finance regulatory framework with small-scale personal loans to consumers. Closest direct comparable to QR Technologies' Ounjai Cash lending operation.
• MessageBird: Dutch cloud communications platform providing SMS API for marketing, two-way messaging, and verification. Directly competes with QR Technologies' enterprise SMS offering via similar API-first delivery model.
• Plivo: Cloud communications platform offering SMS and voice APIs to enterprises worldwide. Comparable in API-first model, OTP/authentication offerings, and target enterprise customer segment.
• Sinch: Swedish SMS API and messaging platform serving global enterprises. Comparable product scope (SMS marketing, 2-way, OTP/verification) and target market (mid-market and enterprise) as QR Technologies' SMS business.
• Srisawad Corporation (SAWAD): Thai consumer lending company with small-ticket loan offerings to retail and provincial borrowers. Operates in the same Thai small-loan regulatory environment and target customer base as QR Technologies' pico finance business.

Broad incumbents

• Vonage (Ericsson): Major UCaaS/CPaaS provider (now part of Ericsson) offering SMS APIs alongside voice, video, and collaboration. Overlaps with QR Technologies on SMS API but operates at much larger scale across a broader product portfolio.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/qrtec

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about QR Technologies