I've been saying for ages that the banks will start charging fees on digital banking once they get everyone hooked. Regardless of how much money they have saved in rents, cost of security and staff wages by closing branches.
They used to charge for digital transfers before Covid, but dropped the charge to encourage people to use mobile banking based on fears of dirty banknotes. They all operate like a cartel, and will likely all introduce fees around the same time once they start.
And as far as "all parties will ensure that clients pay them at a reasonable price and that banks can balance the fees throughout all channels." Well we can see how that worked with the ATM charges for foreign card withdrawals. Then they increase them every few years.
Thailand is not the only country that doesn't charge for digital services at the moment, but they also don't provide the same protection for their clients that suffer losses as western banks.
Don't forget they also charge a fee if one does banking "out of province."