Monday, February 27, 2017

Non-banking channels face competition for survival



[Korea goyounghun financial newspaper, is a choice, I lower cervical, gimmingyeong News] first non-banking sector facing the end of the year before due to a pin-tech advanced technology, the introduction has been a lot of changes in financial sales strategy. It started the non-face-to-face banking account first place, but hubalju design brokerages have showed an increase four times Spreading the bank actively marketing. The introduction of non-face-to-face became a financial point of each ticket is a little beyond one year is showcasing the colorful technology in the fierce competition.

According to the Korea Institute of Finance said that each financial 27, expected to handle a variety of products that seek the synergy of internet banking professional one-stop shopping type. Commercial banks are also showing a rapid movement to changes in the environment. KEB, Hana Bank launched its interactive financial year 'Text Banking (TEXT Banking)'. Register an account with Mobile Banking is 'wonkyu Bank (1Q bank)' app (App), and it is possible to balance inquiry and transfer logins, certificates, without security media.

IBK Industrial Bank introduced a 'poof service' easy transfer using pin numbers last year. Mobile banking is 'ahyiwon (i-ONE) Bank' using readily available and automation equipment in a mobile phone or account number (ATM) are also able to send money.

Shinhan Bank also 'Em - Polio (M-Folio)' utilizing robotic advisor recommended portfolio has floated in the seungbusu.

The NH Agricultural Bank of renewal of the Front 'olwon bank (All One Bank)' financial holding the first joint mobile platform this year. When you log in to the bank olwon banking products you can of course use the NH cooperatives affiliated financial products and services.

Non-face-to-face account was also trending securities. Daewoo Mirae provides an unprecedented nine years as major builders event Fee Free. Daewoo Mirae Asset has opened two accounts 128 000 by the end of last year. If the customer is established through direct equity transaction fee plus a new coming up in 2025 are all free. Samsung Securities had a pre-existing non-face-to-face strategy to strengthen and differentiate the smart content and Global ETF. This year, the non-face-to-face account just gotta strategy to combine technology and combines the pin-tech biometric information such as iris Furthermore, fingerprint benefit from such fees is becoming more intense.

KB Securities will not receive commission for five years when the stock trades with non-face-to-face customer account opening online media. The customer trading more than 1 million won per month for up to ₩ 240,000 smartphones support payments. Non-insurance industry is facing channels 'crowd-insurance' services are topics that consumers can be ensured through a variety of cheaper and joint purchasing. If the platform through a crowd formed a large number of people want the group to ensure that the same risks and supplier inbound reason to negotiate with insurance premiums and guarantee Based on this information, it provides favorable conditions for consumers. A kind of insurance "joint purchase" approach in terms of purchasing power on the basis of population, especially the reasonably possible point features personalized service than improving the opacity of the intermediate sales channels and complex information. The liner Life has launched a 'chaetbot (Chatbot)' insurance-related business consulting service that over the last year, the industry's first Kakao Talk chat. Customers can get the product descriptions, FAQs, product information, including subscription information after selecting a keyword into the chat room, KakaoTalk category.

The credit card company also embarked on expanding outer 'non-face-to-face platform. Form out of the 'first generation' approach was pursued with existing simple settlement only provides a variety of services and credit card companies have evolved into non-face-to-face platform. Jimyeonseo possible by the Internet to recruit only the cards online can also basing basing only available online card application.

For non-face-to-face credit card companies are promoting digitization carried out a reorganization. Flexible thinking is dramatically remind idea naondaneun services. Starting with the last living O2O service card companies are also introducing service delivery platform. Shinhan Card has developed the 'FAN Pei bots' that analyzes the customer's personalized consumption. But regardless of the product's sales page is a bot board and expand marketing channels. Addition, credit card companies are also associated with the platform upgrades, augmented reality services.



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