[Korea financial newspaper Choice reporters] on the 5th Korea Kakao Bank Co., Ltd. (hereinafter referred to as cacao Bank) it received the FSC boninga is directed to 'own banks in everyday easier, use more frequently, with No. 2 Internet specialized bank.
Looking at the ownership structure cacao bank has gotta herpes various corporate sectors such as information and communication technology (ICT), and distribution. Specifically including the largest shareholder of Korea Investment Holdings (58%), cocoa (10%), KB Kookmin Bank (10%), Net Marble (4%), SGI Seoul Guarantee (4%), Korea Post (4% ), eBay (4%), pick up a total of nine such Skyblue (Tencent, 4%), YES24 (2%).
The main products and services are intended for one-digit number of loans junggeumri CITIC users, considered the messenger KakaoTalk based financial counseling services.
The cacao bank information, according to the business plan announced Wednesday, is planning to strengthen credit assessment model based on the main scanning through the Cocoa Big Data Bank scoring system. For example, even the existing credit rating agencies (CB) grade 7 to grade better grades through a purchase auction, YES24 such loans can be approved destination for CITIC.
Just as cacao bank said, "Sales initial SGI Seoul Guarantee and its own credit rating will execute the loan as a model 'loans through a differentiated credit rating model review is the open market and cocoa taxis history information including the accumulated 2,019 BC Goals He said.
Also cited rapid account opening. Cacao bank explained that "after the non-face-to-face blindness authentication to improve the account opening has inner and outer surfaces possible deal process seven minutes.
System security was also emphasized. And cacao bank "identifying information, including social security numbers, passwords, biometric data, etc. are encrypted and group the thorough customer information system and the system connected to the external Internet that include the customer information security, such as physical network divided into" He said.
Cacao bank is expected to start operating in the first half (6 months) after the actual transaction testing, KFTC various payment network connection, etc.
Before the start of sales is the primary example, savings, credit junggeumri through such non-face-to-face customer base focused on secure and, since there are plans to expand the product mix, such as mortgage loans, credit cards.
Since KakaoTalk based on artificial intelligence (AI) Personal Financial Services Secretary, Financial bots (bot) ', rather than cash-game items, emoticons, shipping and give a "universal point', etc. Services are also planning to launch a step-by-step.
Lee Yongwoo, Yun Hoyoung cacao bank co-representative "than has prepared the financial products and services through a simple transaction process, saying," I will showcase a lot in everyday life sseuim for financial consumers easy Banks' he said.
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