Showing posts with label banking. Show all posts
Showing posts with label banking. Show all posts

Tuesday, February 28, 2017

[Financiers Talk] 'non-face-to-face banking, Internet bank launched next month



[South Korea's Choice Financial newspaper reporter] 'nature of the Internet specialized bank depositors subscribe to financial instruments with non-face-to-face because it is more important indication of whether deposit protection in financial instruments. "

Gwakbeomguk Deposit Insurance Corporation president delivered the deposit protection logo to easily identify the past 27 days the Internet specialized bank cacao bank depositors visit preparation Target protect corporate financial products and urged that "vary retired at the thorough protection to depositors.

'Non-face-to-face banking, real launch of the Internet specialized banks are visible. According to the financial sector on the 28th will be the K boninga bank received from the Financial Services Commission last December to start operating next month. K Bank has been operating the last inspection in the same environment and construction, as real partners, including banking employees.

K Bank with cacao Internet bank received the Bank had to apply for a pre-authorized boninga over the financial year, it is also being planned to start operating in the first half of this year.

Specializing in Internet banking is gaining attention as a strategy Giving back to the customer such as cost savings from operational personnel, branches of existing banks' deposits and high interest, low loan.

In the case of K Bank early days-present focus on the customer base acquired through such a basic example, Savings, junggeumri credit and yihuen be rolled out new products such as an open API (application programming interface) affiliate product, Robo adviser, crowdfunding plans.

But with the launch of the nose in the February parliamentary law for mitigation "Eunsan separation '(hold shares of Industrial Bank capital requirements) is amended virtually collapsed condition.

According to the current banking law Bank holds stakes in non-financial Business Operator (industrial capital) is limited to 10% (based on voting rights 4%). K Bank and Bank cacao Although each named after the largest shareholder of KT and cacao are not separated according to Eunsan. Pending amendments to the Banking Act to Congress, not including Internet Banking Act on Special Cases 5 Opening Eyes is the main point you suggesting allowed aligning the pin Tech (FinTech) times the bank holds interest only for Internet banking professional with 34 to 50%.

Last 20 days Assembly In Political Affairs Committee hearing 'now March requires Internet specialized bank to pass legislation for planning am recapitalization start a business "and" Internet Bank established the need, the empathy one let Eunsan separate mitigation more left "position to this went still intersect.

Meanwhile, the banking sector and strengthening the non-face-to-face corresponding to the channel on the Internet ahead of the launch of specialized banks. If the text message around its mobile banking platform (SMS) (KEB, Hana Bank) and pin number, 6-digit (IBK IBK) but may transfer, subject to the asset management as a portfolio Robo Advisor recommendations via a smartphone. (Shinhan Bank)

Under the charter capital loans do not have to go to the bank counter Mobile App (App) (Woori Bank), travel abroad before going to stick to a smart phone banking and insurance products also joined. (NH Agricultural Bank), senior citizens are health information also contained a senior-only mobile can be a "financial shopping" on the platform. (KB Kookmin bank)

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

Monday, February 27, 2017

BNK · JB · DGB targeting mobile banking



[Korea Jeongseon financial newspaper reporters] to the identified non-face-to-face blindness Service earnest In the end of 2015 the banking industry were mainly interested in local banks and foreign banks. Store-based points that can be relatively non-face-to-face weak points complementary to banking products and services through all came into opportunities.

According to the Financial Services Commission, last May, is actually based on non-financial firms in facing priced into account the priority issues outlined above, the number four was one of the regional banks BNK Busan Bank. BNK Busan Bank has introduced the "non-face-to-face can reposes the night customers in non-face-to-face consultation with blindness confirm the account opening and customer response good part."

Internet bank launched a year ahead of the professional-oriented banking '24 hours' local banks are scrambling actively targeting for mobile banking channel also strengthened its preemptive and non-face-to-face as much as a large commercial bank. According to the Korea Federation of Banks, the last six months of the 94 regional banks Bank of New five (BNK · DGB Busan, Daegu · JB · JB Gwangju Gyeongnam, Jeonbuk · BNK) released the 'non-face-to-face' related items totaled 12 pieces.

Non-local banks are facing is offering goods and services competitively. "Mr. Director came to Seoul A worried one branch of a local bank in his hometown Everton deal replace the Main Bank do around the house" would you want to jump to such practices.

Up to two financial instruments directly without having to visit the bank jimyeonseo sonswiwo transcend regional and sales network is becoming a wider choice for customers.

Financial Supervisory Service financial products integrate comparative disclosures site, according to the Financial Instruments at a glance ', the Guangzhou bank two months 22 days based on the bank term deposits Average interest rates 1' ssolssolhan My Cool deposits (annual 1.90%), time deposits (1 year maturity · isolation and earn semen) of the case 'ssolssolhan My Cool Savings' bank of Guangzhou (annual 2.0%) have totaled over one. Both products are applied to both gotta sign up via your smartphone if you want any customers in any region can join. While eliminating the time and space constraints, local banks are facing each one non-built channel scrambling to attract customers.

BNK Busan Bank presented a negative passbook loan 'My Pocket Ron uses a smartphone without the Bank Group's mobile bank visits in December last year, bank thumb. 'My Pocket Ron is a product that can easily get a loan to mubangmun, paperless way.

In particular BNK Busan Bank has applied the thumb banks 'My Pocket Ron' non-face-to-face way increase the limit mobile banking in the meantime, I did not try to. If your credit rating and loan customers want good trading performance can increase the limit by 20% every six months.

BNK out Busan Bank official said, "thumb banks' My Pocket Ron development began from the customer's idea of ​​a need for a mobile wallet-type loans that can be used anytime, anywhere," he said "we continue to release innovative products to enhance customer convenience plan, "he said. Smart automation equipment (ATM) a 'Self-BANK (Self-bank), it can also be based on the kkopeul. BNK Busan Bank is expanding after installing the trial last August, the smart ATM Head Office Sales Department. Most banks have a desk job can handle the product yourself.

BNK Busan Bank official said, "and one of my central commercial area stores yeoksegwon floating population many preferential installed to 20-40 customers account for a large" and "plans to continue to expand the self banks operating branches until the second half of the year." .

For the DGB DGB launched the 2.0 version of "Eye M Bank 'which operates the nation's first mobile branch December 20. "Eye M Bank" has put forward the strengths of the mobile platform by introducing community-based strategy of the DGB DGB operating the nation's first branch (branch) as a strength.

DGB Daegu Bank has expanded its child M Bank Mobile point 250 all branches for upgrading the platform right last year, New Year 'children M Bank "launched the first anniversary and we release a child M Bank 2.0 O2O (online and offline connection) Business .

The kids version 2.0 M Bank was extended to non-face-to-face service that could only be off-line area. Simple mobile phone number transfer money through banks DGB services, merchant bar code payment, is provided on page Dutch, gyeongjogeum features. Without a video chat with an agent of the branches it is possible to visit the subscription of financial products.

DGB Daegu Bank has also launched a 'DGB mubangmun mortgage "loans that could be later this month before proceeding with the process mubangmun.

JB Jeonbuk Bank Financial Group has been targeting the mobile banking app (app) is' smart banking news. Opening an account with non-face-to-face direct and JB capable of handling smart desk is a major banking and services.

In particular by introducing a pin-tech technology to increase the ease of enhanced security. In addition to the existing certificate-based login ID Log in added security-enhanced Block Chaining-based login, login touch-safe manner. Another news Quick Mart banking transfers can be quick and easy transfer transactions, such as large print variant, simple transfer toss. O2O (online and offline connection) services were grafted. When Jeonbuk Bank Beacon (Beacon) to visit the places where installed can receive a notification, such as financial products, useful events, and various coupons.

Also Jeonbuk Bank has launched a 'JB Smart-App account' non-face-to-face with the available mobile-only account opening bank deposit products go two months without any branches. In an ATM without a passbook or card through the news Jeonbuk Bank Mart Banking services may be provided with a smart withdrawal.

BNK Kyungnam bank sells the 'tuyu (ToU) loan immediately' non-face-to-face credit loans do not require proof of income and bank visits since last November. Tuyu loan application is immediately available through the junggeumri loans card loans as cash automation equipment (CD / ATM) without having to visit the bank BNK Gyeongnam Internet Banking and Smart Banking (Bank tuyu app, app tuyu financial center).

Smart Card security services' for the convenience and security of electronic banking customers can also use force. Come January BNK Kyungnam Bank provides each new authentication code via a smartphone app whenever a variety of electronic financial transactions such as smart banking, Internet banking, telephone banking. Card types previous security cards or one-time password generator (OTP) used when you need to carry inconvenience or loss risk, less may be another separate purchase and replacement costs.

BNK Kyungnam Bank official said, "we later expanded to include non-face-to-face real name authentication system plans to improve the usability," he said.

JB Kwangju Bank Financial Group has been a direct product of non-face-to-face 'ssolssolhan My Cool Savings deposits, "secondary selling more products to upgrade the primary selling a great success, and finish in April. Sign up products are smart if you join in Kwangju Bank banking app, 'My Cool banks (My CoolBank)'. New customers who do not deal at all with Kwangju Bank accounts can be opened easily with a simple authentication process without visiting the bank.

Kwangju Bank official said, "ssolssolhan My Cool deposits, savings will be many to join the new customers waited for one financial high interest rate products as a commodity that can be joined easily with smartphones," said "Kwangju Bank is a leading non-face-to-face pin through the channel strengthened Tech Bank will go further expand its position as a "he said.

January Kwangju Bank has launched a non-face-to-face 'smart banking private credit personal loan "products. Kwangju Bank official said that "it is possible to limit queries a minute, loan application to loan 5 minutes" and "will improve as a process that reflects the linkage (O2O) and non-face-to-face customer experience and dealer channel."

As such non-face-to-face approach is increasingly becoming the center of the financial transactions of the banking sector it highlighted the response efforts. According to the impact and implications on the banking spread Banking business performance 'Report of the publication "Analysis of Korea's economy, the Korea Institute of Finance (KIF), when the practices are accomplished in a non face-to-face from a bank perspective" cost reduction, real-time convenience of the deal "an advantage or a" fee cuts, benefit from preferential rates "are all negative factors. Reports have suggested that "in order to improve the existing banks to take advantage of innovative technologies, such as pin-tech business results will be utilized to develop highly differentiated services compete with other institutions."



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Copyright ⓒ Korea's financial newspaper & FNTIMES.com

One investment banking, annual special sales 3% RP Limited Sales



[Korea hyerin nine financial newspaper reporters - one financial investment that you sell limited edition goods covered by the RP interest rate of 3% since one year from the said 27 days.

The exclusives RP products are marketed to less than ₩ 300,000 guests and new guests by day, and the total balance before the end of the month. Rate provides a pre-tax annual 3.00% for one year from since, after the event period end rates apply existing RP return (2017.2.21 Criterion 1.15%, possible fluctuations) applies. You can join up to 10 million won per person, and has a total of 20 billion won sale limit.

Zhengzhou Right One Financial Investment Marketing Division is "The exclusives RP's annual 3% as provided for guests giving locate the branch to thank a very good chance that usage can be reliably operated in an idle microfinance fund non-urgent," said , he said: "the good products through the new guests increasingly expect us to find the dormant customers back."

RP exclusives this product is capable of registering only one investment banking branch. Furthermore, additional deposits after joining is possible through a separate account opened in my personal limits and remaining limits.



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Copyright ⓒ Korea's financial newspaper & FNTIMES.com

Last year, internet banking proportion of smart phone banking exceeded 60%



[Korea Jeongseon financial newspaper reporters - showed beyond a smartphone-based mobile banking, share of 60% in the last year, the number of Internet banking use.

According to an announcement by the Bank of Korea 27 days' 2016 the year domestic Internet banking service usage, "2016 the year Internet banking (including mobile banking) using the number (daily average) is 8750 million, using money (one average) 42.4247 trillion won YoY growth was 12.2% and 5.3% respectively.

2016 the year mobile banking, (smart phones, IC chips, including VM system) using the number (daily average) is 5309 million, using money (one average) compared to the previous year to 3.1494 trillion won respectively 25.2% (1070 million), 26.2% ( 653.2 billion won), it increased by.

Following to use the smart phone banking while gradually increasing beyond the first half of the smart phone banking using internet banking proportion of the total number of 54.1% in the year 2015 rose to 61% in the year 2016.

Use of the Internet Banking Banking smartphone share price also rose compared to the previous year (6.1%) to 7.4% in 2016.

Mobile Banking per standard transfer price has increased from the previous year to ₩ 12,000 ₩ 7000 10 000 2016 73 standard years.

Last year, the smart phone banking registered customers increased by 15.3% compared to the end of the previous year 74.68 million people (988 million). Smart phone banking customers registered capital rose to 61% of total banking registered customers.

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Friday, February 24, 2017

Corporate banking, equity amount Mart block deal success



[Korea Jeongseon financial newspaper reporters] IBK Industrial Bank 3.4% stake in the block Mart Deal succeeded in selling holdings amount to (overtime block trades).

According to investment bank (IB) industry, 24 days now bank has sold all of the previous day closing price of E-Mart E-Mart shares in (₩ 215,000), compared to 4.2% discount rate was applied ₩ 206,000 per share.

The day before the Industrial Bank has selected Samsung Securities and HSBC Securities as co-organizers and embark on a block deal on institutional demand for E-Mart shares 939.48 thousand shares (3.4%) being held forecasts.

Reportedly succeeded in block deals with the participation of global institutional investors, including sovereign wealth funds abroad. The proportion of foreign institutions and domestic institutions reported approximately six four.

Government has handed while receiving in-kind contributions to E-Mart shares, including shares his father in 2007, Shinsegae Vice Chairman Jeong, Yong - Jin figured as a gift tax on corporate banking. The price received at the time of investment banks was now only 7250 won per share, 24.

IBK is known to secure a 190 billion won in cash and out of this stake. The analysis is expected that the improvement in financial soundness indicators.

Jeffrey Choi, Daishin Securities Research Institute predicted that "The sale profit will serve as a one-off, but deda other reserve capital ratio improved 0.02% (2bp) shares of KT & G 950 shares (6.9%) investment sentiment factors are disposal expectations increased ' .

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