Nothing app-related, but I forgot my wallet a few days ago when I went shopping up on Soi Khao Talo. I went to the nearest Lotus Express and used my SCB card in a K-bank ATM there to withdraw 20K Baht. No problem, and it was a free service. When did that change? In the past I was always charged 20 Baht for using my SCB card in another bank's ATM, so I've studiously avoided doing so for many years.