[February issuer brand reputation - No. 1 Samsung Card, Shinhan Card No. 2, No. 3 KB Kookmin Card

[Korea yichangseon financial newspaper reporter] In February 2017 the domestic credit card company brand reputation survey results were analyzed by Samsung Card No. 1 No. 2 No. 3 KB Kookmin Card, Shinhan Card.

Korea Institute analyzes the company's reputation 9 27,447,975 domestic card brand big data to work from January 21, 2017 February 22, 2017 measured the participation and communication, and social capacity of consumers. Compared to January credit card company brand Big Data dogs had 22,142,441 23.96% increase. May 2 credit card company brand reputation analysis included newly NH cooperatives cards.

Brand Reputation Index is an index created by finding that the habits of online consumers have a significant impact on consumer brand, brand through big data analysis. Brand big data analysis can be measured geung negative assessment, the community spread, response and popularity of the content of the sources and interest, attention and traffic, consumer issues in the media about the brand. With the new media, including the February index card company brand reputation analysis was the change in reputation analysis algorithms.

Cash payment instead of the card, smartphone ... 376 trillion won last year's daily average

[Korea Jeongseon financial newspaper reporters - credit cards, showed that significantly increasing the use of non-cash means of payment such as smartphones.

According to the Bank of Korea announced one day 'Payment of the 2016 settlement trends "material payments due to non-payment methods of cash last year increased by 8.1 percent to 376.1 trillion won per day than in 2015 (347.8 trillion won).

The Bank of Korea analyzed that "large sums of money transfers using factors such as enlargement and card payments as long as the universalization of financial institutions through the financial network."

Card using earnings 2.104 trillion won (per day) increased significantly by 11.8% year-on-year.

Especially credit card earnings (excluding cash) is one trillion rose 10.9 percent to 677 billion won. Utilization of credit card mobile smartphones has surged 51.7% or 460 billion.

Check card income, higher deduction rate has increased by 15.2% to 424 billion won. On the other hand, prepaid cards fell 3.5 percent to 22 billion.

Full results from the use of payment cards credit cards were the overwhelming proportion to 79.7%.

Yiyongaek day average personal credit card at a convenience store last year jumped 32.8 percent to 150 billion won. Supermarket (9.5%), airlines (16.2%), duty-free shops (10.7%), transportation (9.3%), health care (10.0%) is also higher growth rates.

In the case of payment per check card, but to give 3.5% ₩ 24,342 more than in 2015, credit cards were only increased by 0.1% in 4564 won four.

The Bank of Korea was evaluated as' that will replace the card with cash at convenience stores, supermarkets, public transport continued tendency of small yiyongaek.

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Pouring cut card fees for early presidential political commitment

[Korea before lower cervical financial newspaper reporters] are pouring out the impeachment lay leaving only the final sentence of the early presidential elections scheduled to be getting closer, credit card merchant fee reduction commitments as citizens in the policy as part of each party. Thus, in the card industry it is concerned this commitment will be realized.

According to the first day card industry, former Democratic representative, with Moon Jae he has pledged to drastically cut last February 23 card fee to protect small business owners and self-employed part.

Jeondaepyo statement said it will cut card fees and commissions applying preferential treatment in the payment sector pharmacies, convenience stores, bakeries, etc. songgae. With 300 million won a small merchant basis from 2 billion yuan, small and medium expanding the franchise from 300 million won to 500 million won and annual sales 500 million won less preferential fee is a commitment on the part of the representative's statement before commitment lowered gradually from 1.3% to 1% is applied to medium-sized merchants to be.

Free hangukdang earlier also announced he would push for more cuts are self-employed credit card merchant fees.

Inmyeongjin free hangukdang emergency Chairman briefed the small business industry last February 16 Yeouido-site meetings resulted in the company.

Chairman of enlargement and said it would review additional cuts even lower commission rate of 300,000 cards online retailers a merchant fee of 3 billion won general ~ 5 billion won annual sales. The current cards online retailer commission is around 3.5%.

If a card is added to the fees in the industry inhadoel, it has attracted wear hard make a profit. Especially merchant fee cuts last card industry prices were falling profits.

According to last year results presentation card companies, our cards, KB Kookmin Card YoY net income were 6.4% and 10.7% decrease, respectively.

Shinhan Card and Samsung Card, one card last year, net profit is only 3% more than in 2015, 4.6%, 647% increase eoteuna would offset the costs, fees, cuts in card loans increased, such as real profit cuts dropped the crab industry the assessments.

In fact, Shinhan Card card loans last year, billings increased 11.1% to 8 trillion won the previous year. Samsung Card has generated profits shiny PG olaet four stakes. One card is an analysis that does not reflect the cost of integration and foreign currency card from a low base effect occurs.

Card Industry insiders' profits last year, the credit card companies are difficult to see that there is no fee cuts to benefits in accordance with shiny effect, "he said.

The industry says that if the fee is rather inhadoel card issuers can lead to a direction such as to reduce customer benefits.

Industry insiders' fees if the card issuer inhadoel have no choice but to reduce benefits in cost savings dimensional 'said' merchants must check the effectiveness of the practical benefits also spins "he said.



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One card, March 1, 11 days one event Earn Money

[Korea before lower cervical financial newspaper reporters - one card is March 1, will conduct a two-day event to earn money 11 days.

One card said on March 1, proceed with that 'one day' event that any money earned by the target customers to use one card 11 to 28 days.

'One Day' is a newly introduced events from one card to move away from the traditional marketing concept giving more benefits to customers and enjoyment.

With one card, one card application website or app page in 1Q and 11 in one day is going to mean one and then makes one earn money in a variety of concepts.

The 'One Day' contains 5000 items over a number 1 most of the payment authorization number one customer one people earn money 1111111. If the number of digits equal to 1, the higher the prize this payment customers.

'One Day' and until the amount is most guests him one million one money, 11 etc. etc. 2 payment to 10, only one money, from such as 12 111, such as to present a 10,000 One Money Details on the 'One Day & Literature' .

One card is "One Day" by adding the amount to the card two days to draw out of 1000 customers who pay more than ₩ 200,000 ₩ 100,000 ∙ presents each of 1000, 2000, One Money.

"One Lucky Money '' one of & Literature Day 'Two of benefits and it is possible to duplicate impossible, but each one is redundant and earn money each lottery event.



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BC Card, Everland conducted March 1 Get 1 free pass

[Korea before lower cervical financial newspaper reporters] to proceed to the BC card Everland free pass 1 + 1 event.

BC Card said that 28 days proceed to Everland month of free pass "1 + 1 offers, for customers to purchase.

"1 + 1 Event 'at Everland Field box office up to 31 days from March 1, and proceed free pass to the BC credit card to purchase a regular price Customers, shoppers power have to add the same one ticket and purchase a ticket hawk It is provided.

During the promotion period, regardless of the results it is available once a month per card.

Chapter Gil-dong BC Card, Global Head of the "were to proceed to Everland free pass 1 + 1 event to benefit right spring to BC card customers a variety" and "We try our best to provide a variety of benefits that customers can be satisfied It said it would. "





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O2O stand up to augmented reality ... Platform expansion card companies

[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.



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KB Kookmin Card, integrated mobile app released

[Korea before lower cervical financial newspaper reporter] KB Kookmin Card will be introduced an integrated mobile app.

KB Kookmin Card has launched the original 'mobile home' 'apps card', 'electronic wallets', 'KB Kookmin Card (+ app card) app' that integrates three mobile app, which was operated handing one such said 27 days.

"KB Kookmin Card (+ app card) app 'without installing multiple apps △ card use history, payment information, benefits information inquiry △ apps card registration and payment △ Star Shop, O2 o (O2O) services, KB Kookmin Card related to various information, benefits and services, which is characterized by convenient access in one app.

Easy sign-in feature was also added.

Traditional username / password method and the way △ certificate number lock (6 digits) △ card payment app password (6 digits) △ fingerprint login functionality was added.

3 apps to integrate to improve the inconvenience of being slow and heavy, driving the app menu 167 is also reduced by integrating many around the main menu, using 80 pieces of existing customers of the half.

Align with the screen / menu structure of an optimized customer-centric focus on ease of transactions to concisely the various steps the user experience to the mobile environment (UX: User Experience) to provide focused.

Considering the customer usage of △ card use history, payment plans amount of various Information Available 'My KB' △ Points, Miles, 'benefits' to see the use of the card by discounted earnings, including card-related benefits information △ short- and long-term card loans Arrange the four main menu view, applying such card-related financial services provided that 'financial' △ registration and payment card app available "apps card 'and on the top was available to help customers easily find the services you need.

In the case of 'My KB', etc. The main menu is four native made it to apply (Native) mode for fast page, detailed menu has built a hybrid approach to Web apps.

The accessibility guidelines for mobile app / web disabilities also complies to provide audio-visual multimedia content such as video △ △ captioning information is used to identify △ unused wallpaper-sized images of text and body text zoom feature that.

KB Kookmin Card said, "when you use this integrated mobile app launch card-related services in a mobile environment to expect discomfort is greatly reduced need to install multiple apps" and "truly encompasses all the service experience of the customer card Life aepro place to catch the integrated announced as scheduled to pay a variety of efforts to actively reflect the diverse needs and mobile trends. "



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Shinhan Card, card spending last year 比 31.9% increase in foreign

[Korea before lower cervical financial newspaper reporter] last year, foreign card spending showed a 31.9% YoY. Consumption growth was particularly noticeable in the center of Southeast Asia.

Shinhan Card and Korea Culture and Tourism Institute and the '2016 foreign credit card domestic spending, the analysis result, last year foreign credit card spending grew by 31.9% than the 13.74 trillion won a year earlier (412.5 billion won) to diversify the consumption pattern said that 24 days.

July is the month with the most common one trillion 248.3 billion won in the year increases were also very high as 168.3% the previous year. This contraction in consumption in July 2015 because the Middle East Respiratory Syndrome (Homers) was analyzed as shown by the low base effect.

The growth eased last year's fourth quarter, while decreasing the number of tourists arrivals decreased as a group also changes in shopping behavior using industries.

By consuming countries, mainly Southeast Asian countries have been rising significantly.

Credit card spending Chinese tourists accounted for 60.6% of total foreign spending to 8.3232 trillion won growth was also higher than the previous year by 46.2% 5.6929 trillion won.

Increase the number of arrivals in Southeast Asia increased noticeably.

Total number of foreign arrivals in Asia, arrivals accounted for a high proportion accounted for 23.8% in the second. Growth expenditures increased year-on-year to 37.75 was the highest growth rate. In particular, Taiwan, Thailand, Vietnam, Indonesia and the Philippines showed a higher growth rate than the overall average was towing the total foreign spending growth.

Looking at the total foreign spending in this sector were most frequent Shopping Accommodation 52.6% (22.2%), catering (9.1%), transport (3.9 percent) was followed

Shopping Detail usage patterns have changed and that the reduction is to increase the duty-free convenience using.

Groups of tourists using duty-free shops, tourist goods sector share of the share of discount stores / convenience store, while utilizing mainly individual tourists, down from 52% in 2012 to 40.0% in 2016 appeared to have increased last year by 11.2% from 5.8% in 2012.

These individual tourism growth is analyzed that led to the diversification and expansion of the use of available local industries.

The use pattern that is concentrated in the traditional catering sectors shopping, transportation, experiences, continued expansion in the sports sector / changes can be used also showed that merchants are gradually expanding.

Wiseongho Shinhan Card, president of "International tourists are domestic Because a significant contribution to domestic demand enabled, foreign card use consumption analysis utilizing Big Data has become a good source of information for the relevant sector workers" and "the next international tourism trends continuously identify, and said it would provide more sophisticated information in Big data analytics "for the presence tourism policy support.



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