[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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