[Korea before lower cervical financial newspaper reporter] went on to hold membership card companies have expanded outer 'non-face-to-face platform. In O2O simple life insurance services, and further appearances by car finance non-face-to-face that the wider range of services. And launch the app to take coupons as augmented reality game based on Pokemon and sensational that is popular in order to prevent customer churn.
Payment is easy to use growing trend. According to Shinhan Card, Shinhan Card in the amount of payments in the last year of its payment app FAN is 5.6 trillion won, 7.3 million people are members. KB Kookmin Card Payment App gotta 'K- motion, join members of the end of December last year, 5.78 million people and was used in recording the amount of 4.267 trillion won a year 2016.
Beyond the 'first generation' approach was simple pursuit of existing payment card companies have been in non-face-to-face is the only platform to evolve into a form that brings together a wide range of services.
Using a variety of non-face-to-face services and platforms is a strategy that (Lock'in) to derive its customer lock-in card payments.
◇ reorganization for non-face-to-face expanded and cultural innovation
For non-face-to-face credit card companies are promoting digitization carried out a reorganization. Flexible thinking is dramatically remind idea naondaneun services.
Shinhan Card has announced a 'start-up type tissue culture innovations. Deputy manager, such as grade-oriented corporate title is simplified to "Manager (Manager) 'and' Pro (Pro) 'instead of disappearing. Shinhan Card is called "future Shinhan Card DT (Digital Tranformation) sector is to be reorganized into a digital standalone company in-house rather than a simple division will be transformed into a national and international ICT companies with the same organizational culture, start-up type organization with the working environment." He said.
KB Kookmin Card has rebuilt the organization's incorporation of digital business units related to digital headquarters group. In this regard it had to change the existing pin-tech businesses in the digital business. Establish a company-wide digital strategy and marketing plans, as well as promote the digitization process of systematically and effectively.
I've created a dedicated team within the Digital Marketing platform services for competitive advantage. Customer-friendly default for new digital channels, digital channels implemented by non-face-to-face oversees the recruitment, including through the channel.
◇ platform upgrades, augmented reality service launched
Credit card companies are basing app service that benefits beyond a simple card.
One card naenwatda the 'one 1Q pay' (hereinafter '1Q page') to see all the easy payment and point queries, transactions. '1Q page' is a simple existing mobile payment app 'Moby and pay with one card using the app alerts "box Moby' one card integration platform to integrate new releases.
1Q page 'get another' is a 'lottery' of one card. If the application provides a single number, like lotto money to the winners from such as 15 and so on. 1Q page Alliance members' 1Q PASS 'invitation is only for the necessary O2O services to customers based on big data, and can be easily payment by .'1Q PASS' In the 11th arrondissement, Wemakeprice (shopping), parking Night and service-oriented Everyday tips such as (Parking). There is also introducing a service that combines game principles and benefits. The '1Q page "can be used" one money GO' services. "One Money GO 'service is a service using the principle of augmented reality to get the benefits of real-time financial services and other affiliates of Bank KEB one person in the vicinity.
One card was equipped with a coupon service that returns money to the card issuance Annual fee for this service up to 3 million. Hyundai Card has introduced the 'Hyundai Card Joker (JOKER)' using augmented reality principle. Hyundai Card is a joker app to catch Pokemon and coupons related to merchant like.
KB Kookmin Card has expanded the offline uses. Last year signed a strategic alliance with Samsung Electronics launched the "App touch card payment" service apply the magnetic secure transmission (magnetic Secure Transmission, MST) technology, the industry's first app pages Samsung Card in September last year.
◇ car sales channel from personal consumption analysis
O2O services to the credit card companies have started introducing a range of platform services.
Shinhan Card has developed the 'FAN Pei bots' that analyzes the customer's personalized consumption. It seems that regardless of the product's sales page edition bots can be expanded as a marketing channel is the entry Shinhan Card.
Shinhan Card official said, "We expect this guidance to induce customers of a reasonable consumer consumption analysis reports on various aspects of big data is combined, as well as a comprehensive diagnosis of the overall consumption through FAN Pei bots, Shinhan Card has held" She told CNN that "the best products, services and sustainability will continue to develop into sophisticated marketing channel that featured merchants".
In addition to this, Shinhan Card has opened a used car marketing platform Shinhan Card tucha car. "Shinhan Card tucha car 'is a conjunction used cars online and offline (O2O) that runs a direct service. Shinhan Card's strengths through a variety of affiliate link is also provided haneunge features additional benefits.
Samsung Card has introduced a 'direct auto' auto financing platform last year. Several steps when buying a car without introducing financial instruments Options Compare Prices per vehicle, used car finance can limit the query, the query quote Vehicle various financial products and services for automotive customers selected at a time. Samsung Card is pursuing sell direct insurance.
O2O service franchise also continues to expand. Our card has been operating within the zone O2O smart app. When you log in to our app, select the smart card from the service O2O zone it is possible to immediately pay with our card. Discount coupons during checkout and may receive additional points, value-added services.
Our cards are expected to be effective in promoting and increasing sales of the promising startups that partner. Our cards are nagagetda strategy is to develop it as a win-win business model.
Lotte Card has been operating a distribution subsidiary benefit rich 'quick order' O2O platform. T map lives O2O variety of comforts such as taxi services, as well as the advantages it offered Lotte Duty Free Shop and the Internet dot-com, Interpark Tour, including Korea Bence additional benefits when using affiliate iPhone Apps in quick order. This year is a convenient service features available with no additional subscription and login using quick order service in conjunction with Lotte Members will also provided.
Financial Daily Economic News FNTIMES - unauthorized reproduction for commercial purposes in accordance with the Copyright Act, No copying, distribution,
Copyright ⓒ Korea's financial newspaper & FNTIMES.com
