Legislation require to assure a certain degree of data security  when stored, without requiring storing data locally.English version of Payment System Act : https://www.bot.or.th/English/AboutBOT/LawsAndRegulations/SiteAssets/Law_E40_Payment.pdfEnglish version of Credit Information Business Act: https://www.imolin.org/doc/amlid/Thailand_Credit%20Information%20Business%20Act.pdf