| Urban night transport | Bangkok, Pattaya, Phuket nightlife workers and visitors. | Licensed apps, plate photos, and whether your embassy warns on specific districts this month. |
| Island & water safety | Beach holidays, divers, boat commuters. | Rip currents, jellyfish windows, and whether your insurance lists medevac helipad coverage. |
| Weather & flooding | Rainy-season residents in low basins or older condos. | Parking deck drainage, sandbag history, and alternate routes when arterial roads pond. |
| Digital impersonation | Anyone with Thai bank apps on their phone. | Official hotlines; banks never ask for full-card photos or OTP screenshots over chat. |
| Road trips & motorbikes | New arrivals tempted by cheap scooters. | Licence/IDP rules, helmet quality, and insurance that covers riding—not only “medical travel.” |