Join "Online Insurance" and consult "chaetbot 'and

It took place [South Korea gimmingyeong financial newspaper reporter] possible period of insurance without the need to recruit from lightning-present channels in the insurance industry, consumers visiting the wind was introduced directly into the casino in the financial industry to join. In particular, non-face-to-face channel has to have a low-cost, high-efficiency multi-channel structure compared to face-to-face evaluation is mandatory not optional insurance to rise to the prolonged low interest rates these days gotta gotta make even "a penny". In recent years, also 'chaetbot' that consumers provide "joint purchase" the dwaeteumyeo 'crowd-insurance' services market to get affordable and diverse ensure more over, utilizing the knowledge-based services to computer customers insurance consultancy services It emerged.

◇ insurance "joint purchase" of the world

Crowd Crowd is it derived from the English word which means the crowd, collect funds from the public "has created a new vocabulary such as 'crowdfunding' containing the means. Thanks to the development of information and communication Crowdfunding is reborn in a new online "sipsiilban 'spirit.

The insurance industry in such crowd-insurance platform has emerged recently. Last month, four days Crowd insurance platform opened the door, why Inbound (inbyu) 'is an insurance and financial services consulting firm elkeyi LMS Limited (LKMS).

Elkeyi Limited predecessor of LMS-environment reasons (LKMS) has made a request to receive insurance products to minimize the loss of principal amount invested from the company since its establishment in 2014 the P2P direct negotiation without insurance to domestic and foreign insurers. Thus, even individuals who are not based on the know-how accumulated in the enterprise B2B market, focusing on the same point that the service is available, crowd-insurance platform inbound reason "was born. Inbound why officials said while opening the crowd insurance services "will continue to improve the existing problems of the insurance market and build a new ecosystem of consumer-oriented insurance."

By forming a large number of people want the group to ensure the same risk through the crowd why inbound platform is a way to provide insurance services to consumers in more favorable conditions to negotiate with the insurance premium and guarantee content based on it. A kind of insurance "joint purchase" approach in terms of purchasing power on the basis of population, in particular characterized by a reasonably capable of providing more personalized service improves the opacity of the intermediate sales channels and complex information.

Inbound reason naenwatda with the launch of the service △ 3 largest financial fraud relief services, △ Shanghai flagship product warranty services. In particular, financial services is a basic phishing scam assured, SMS phishing features as well as an enlarged dot damage guarantee to ensure the industry's first morale pharming service. If you wish to have more than 250 insurance ₩ 16,200 a year, it is possible to join a premium of up to ₩ 21,600, if less than 250 people.

Inbound reason has signed a strategic business agreement (MOU) for the latest Samsung Fire & Marine Insurance Co Buy and Internet-based platform enabled. As a result, inbound reason why dwaeteumyeo able to provide a customized insurance service for inbound customer needs based on the target customer expertise of Samsung Fire and Samsung Fire was to supply a wide range of customized insurance products for customers only inbound reasons. Gimyoungung elkeyi representatives LMS Limited said, "to build brand credibility through the co-marketing reasons inbound and Samsung Fire & Marine will continue to introduce new insurance products that are not in the domestic insurance market."

The financial authorities to supermarket online insurance prior to inbound reason emerged as "insurance platform 'also' insurance damoah. Damoah insurance services improve the complex intermediate distribution process by utilizing the online platform, just as Invar reason reduce premiums and improve coverage and opacity information asymmetry between insurance companies and consumers expand lowered the barriers. Inbound why officials "(inbound reason) insurance contracts as a company brokering the conclusion intermediate distribution stage is further reduced structure," said "affordable premium priced than the price offered by online direct platform on behalf of the information provided and agreement possible services, "he said.

◇ counselors without insurance consultancy services

Carolina Life Insurance has launched the 'chaetbot (Chatbot)' insurance-related business consulting service that over the last year, the industry's first Kakao Talk chat.

Customers can get the product information, frequently asked questions (FAQ), subscription information, product information, etc. provide the back, insert the keywords in the chat room, KakaoTalk category.

Carolina Life will provide a variety of services to increase the accuracy Korea signed a technology partnership with IBM Global Business Division sophisticated response algorithm.

Carolina Life official said, "Although there are many gaps in the market thanks to technological advances and innovative services" and "will continue to research and development to complement the gaps in 1-2 years in the future."

Dongbu services to customers and also to open the end of last year, the US professional chaetbot 'service.

US Businesses chaetbot Dongbu Insurance Services is a knowledge-based service implemented for the purpose of answering to analyze the data over knowledge claims 1000 △ △ documents how the loan agreement How to use the guide △ △ search network services, such as customer inquiries. In particular, it is possible feature more elaborate responses through feedback of knowledge-based systems running with the customer's questions and answers selected.

◇ 'Flower of insurance "float is artificial intelligence

It is still believed in the industry will be driven by further expansion in the future development trend of non-face-to-face 'tech insulator. The researchers had expected that insurance announced 14 days' Fourth Revolution and the future of the insurance industry, "it will be as early as artificial intelligence (AI) within five years dwibakkul sales channels featuring the landscape of the underwriting market."

Gimseokyoung Insurance Institute researcher, "and began to perform the main function of artificial intelligence insurance companies," he said, referring to artificial intelligence 'Eugene'. "Eugene" is AI passing the Turing Test for the first time in the world, the machine also proved that you can talk like people like.

Kim researcher naenwatda an accordingly predicted that "a robot or view the app to be would soon be possible to install an artificial intelligence specializing in insurance," he said "As a result, you can always kindly respond to customers 24 hours a day will disappear also incomplete sales." . In addition, a channel of the current actuary was expected to be converted into a highly efficient sales organization to provide differentiated services, such as financial planning, health care.

Such trend is expected to lead to greater repercussions in the insurance industry that heralded the end of the actuary channels spanning 'Mac' in the country insured since the 1960s. Planners are referred to collectively as the "Insurance aunt 'organizations and attract subscribers unprecedented number of days the phone or online insurance channel have led the insurance industry in Korea. The designers have also been causing a lot of incomplete sales falling to structure insurance fee per one hand is true.

Insurance industry officials naenwatda the "AI is incomplete, insurance agents, as well as face-to-face sales channels decreased solve the current problems caused by the lack of designers and will be able to solve the problems faced by such high costs emerge when" that rosy outlook.



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Daewoo Mirae 9 years free all-in-present attraction

[Korea goyounghun financial newspaper reporter] was the last non-face-to-face account in securities trending. February this year after starting the securities are non-face-to-face account opening service costs one turn of the year. Mirae Asset has recently been treated or holding stock trading commission free unprecedented nine years as large companies, and Samsung Securities are also based on a non-face-to-face mobile technologies are scrambling to expand market share. Other brokerages also serves a more diverse strategy became non-face-to-face than before.

According to the financial investment industry 27 days Samsung Securities has shown a lively look, while opening an account in the past 22-day non-face-to-face since the beginning of the year 30 000.

Samsung Securities side "smart content and enhanced result of the global ETF thats focused on this area since last year to marketing factors seem to be bearing fruit this year," he said.

Daewoo Mirae also represents a rise of 128 000 to open an account by the end of last year, and occupancy fees 1st Kiwoom did not disclose the number of accounts. It started the non-face-to-face banking account first place, but hubalju design brokerages have showed an increase four times Spreading the bank actively marketing. This year, the non-face-to-face account strategy has simply been grafted gotta pin to combine tech and bio-technology Further information, such as iris, fingerprint benefit from such fees are more competitive outlook.

With this new regulation recommendation for the convenience of vulnerable groups, such as non-face-to-face blindness and verification measures for the disabled, elderly month corporate market it is expected to be worse in the future. Non-face-to-face with the real names when checking the ID card images taken with smartphones has improved hagekkeum possible to verify the authenticity. About one year after the enforcement scheme was set up in a total of 730,000 accounts 4,000. This was established in 578 000 cases of the securities industry.

Samsung Securities is ₩ 30,000 and paid to customers opening an account for the first time coming to 31 this month, mPOP, mPOP tablet, if you are giving the stock trading through a securities commission plus 3 years free mobile benefits. In addition, the scheme also provides credit, mortgage 5% benefit.

Samsung Securities also focusing MTS technology is an all-in-one integrated trading, asset management, foreign stocks of 'New mPOP' one. In open an account overseas equities, commodity trade finance as well as asset management can handle the wide ranging portfolio investment and retirement pensions. Menu operation minimizes input information and may proceed faster than the stock exchange when moving between screens, it also supports financial products and convenient trading environment, such as a shopping mall.

Daewoo Mirae Asset has engaged in aggressive marketing through an unprecedented 9 years, including online advertising, commissions and benefits as free large securities firms. Direct ongoing event until the end of next month, plus an equity transaction fee is free by 2025 through a direct opening comes when the customer plus the new account is unprecedented. 10,000 won to provide mobile payment vouchers and vouchers when transactions add more than 10 million. The first overseas equity trading customers and provide vouchers for customers to replace the wearing foreign stocks.

Daewoo Mirae Asset launched to celebrate the integrated support for foreign stocks trading more than 5 million won first one voucher ₩ 20,000 customers on a first come, first served basis 1000 people. Customers who dressed replace foreign stocks by a third party who pays the additional vouchers ₩ 30,000 net per deposit amount up to ₩ 600,000 to ₩ 10 million.

NH Investment securities 20,000 1,000 accounts opened since the beginning of the year based on the last 22 days has been operating two non-face-to-face account opening apps. Online and offline japgetda two rabbits are deep in the mountains. Branches Open Account tolerated QV branch is characterized by the motto that anytime, anywhere easy and convenient wealth management account (CMA), a comprehensive marketing, general management accounts, personal connection, etc. (ISA) and retirement accounts. It also provides human-based asset management services also select the desired point of allowing staff.

Internet account opening purposes of trees are advocating a life hyperlocal online brokerage services to the community rookie. You can use your mobile number and account number to deposit only, the first new and dormant customers are applied to 0.01% after one year and one years CO fees benefits. It is also possible to check the blind opened as a video call.

Korea Investment & Securities proceeds from the new non-face-to-face account opening event in June. ₩ 10,000 provides mobile vouchers at department stores, and customers trading more than 1 million won to account for non-face-to-face support two manwongwon.

◇ KB · Shinhan affiliate links Service

KB Securities will not receive commission for five years when the stock trades with non-face-to-face customer account opening online media. The customer trading more than 1 million won per month for support ₩ 40,000 per month for six months up to ₩ 240,000 smartphones allotment. The target device is the Galaxy S7 (Edge), iPhone 7+, V20, etc.

KB Kookmin Bank KB Star also introduced services to establish a possible 'KB plustar account "transactions in a non face-to-face banking app. When we collaborate with asset management transactions, ETF also provides mobile vouchers.

Non-face-to-face in the first half of this year, Shinhan Investment Corp. is focused on the mobile channel and enhance customer contacts expanded. The customer is the easy way to launch a new mobile app Investors can check the child alpha and non-face-to-face account opening sikigetda customers to easily proceed without face-to-face contact as well as identifying information and investment.

Policy that the Shinhan Financial Group corporate investment information my clients this series based on the available 'Exciting bout' services at a glance, for customers to use bank cards and Shinhan Investment Corp. in the account opening so that inflows can be activated to be. MTS fees are taking place until the end of March.

One also non-financial investment to enhance face-to-face collaboration among affiliates proposed a plan to become the winner of the competition.

One financial investment official "10 2015 situation which topped 700 million members in one member's release a year performed the first domestic financial sector, and now with the sight of 800 million members," said "Young customers range from up to senior customers considering the large Member layer does not separate advertising channels are focused on one member's partnership with the event, "he said.

Such Members associated with the first year of implementation of augmented reality services and financial progress the 'One Money GO' and 'non-face-to-face account opening event. "One Money GO 'when automatically presenting a variety of coupons on mobile screens of the member to provide an augmented reality based location search capabilities of smartphones, such as the Pokemon GO games for mobile phones and choose which is automatically issued one currency or in partnership coupons . 'Non-face-to-face account opening event, one financial investment 10,000 reward money to one customer who first opened the account in a non face-to-face, and supports additional 10,000 one money if the stock exchange more than 1 million won to 28 days.

One financial investment should instead provide advanced content Mentos into account deactivated facing room service, quant services, making signals, such as avoiding free 119 shares charge. Since the current is developing such content shall be open continuously associated with non-face-to-face account to provide a period of time free trial period.

It also provides an analysis of the media dominated the second half of 2016, analysts through its own research target messenger of the top candle. Provide information that customers should know in the flood information selectively, and to receive counseling to ease access to the account statement of the use and analysis of stocks Candle Man also offers real-time consultation.

Daishin Securities is giving a non-face-to-face account opening MTS transaction when a customer target one years subscription to new shares to customers keureon charge fees benefit the stock five years. Through a lottery conducted to target the customers instead of any securities keureon new customers once the financial transactions of the next month to be presented to foreign cars, such as the gold bull.

◇ industry jesal clipper "one customer acquisition '

Last year, average daily trading value of the total securities was 16% lower than the previous year 7.42 trillion won. The proportion of the total brokerage fee income reached 72% in the third quarter of 2002 was down 37.3% year basis. As such offline declining share of the online trend has turned that expansion can point securities in 2016 compared to 2013 decreased 408 dog also fell 27%. Online customer acquisition of securities due to reduced customer, with my room is becoming more intense.

However, the effect of non-face-to-face account opening is also to non-face-to-face connection with projects and initiatives that exist in the heated competition to attract customers is not easy to find an alternative. The appearance securities are paying attention to market fluctuations.

Industry insiders "non-customer-facing mosigi can be seen as a kind of bait brokerage sales strategy than strengthen," said "Once is attracting customers contains the intent suggesting a variety of marketing strategies utilize future," he said. If you want to induce customers through a non face-to-face recruitment offers the benefits of credit loans and derivatives sales, including whether the opinion that the current dietary eating cut jesal worth eonjeong investment.



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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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One KEB 'character transfer', Shinhan robot PB '

[Korea financial newspaper choice is a reporter] # text messages (SMS) (KEB, Hana Bank) and pin number, 6-digit (IBK IBK) can be remitted if the only, and the asset management as a portfolio is Robo Advisor recommendations via a smartphone receive. (Shinhan bank)

# Do not have to go to the bank counter Mobile App (App) to receive the charter capital loans (Woori Bank), the top overseas travel insurance before stopping also join the smart phone banking. (NH Agricultural Bank)

# Seniors are able to 'financial shopping "at senior-only mobile platform also contained health information. (KB Kookmin Bank)

Nowadays one would not talk to a distant country to introduce non-face-to-face propped goods and services in the banking sector. '24 Hours of internet bank that specializes in advocating the banks' sales ahead of the start of this year, commercial banks are engaged in a race to secure a face-to-face non-preempted based on their own platform, mobile banking channel.

26 days Korea Institute of Finance (KIF) Publications Financial Research of the "Internet specialized bank introduced the impact on domestic banks' reports of" Internet specialized bank is expected to handle a variety of products for one-stop pursuit of synergies Shopping form "and" forecasted financial institutions will be able to expect the business model between competition and consumer welfare increases due to the increased similarity ". There are also six commercial banks respond quickly to changes in the environment.

KEB, Hana Bank has launched an interactive Finance last November 'Text Banking (TEXT Banking)'. Domestic first received a patent.

It is possible to KEB, Hana Bank Mobile Banking is 'wonkyu Bank (1Q bank)' app (App) register an account and login, certificates, security, media, anytime, anywhere without the need for text messages sent to the transfer or balance inquiry. Only 'Alias' and 'remittance' preset by sending a letter to KEB, Hana Bank representative number. It can be transferred only with the account you specified has secured stability.

KEB, Hana Bank official said, "As the steps are significantly smaller than existing transfer processing time of 20 seconds provides the speed and convenience," he said "is useful for customers who frequently send money to designated accounts or transactions from time to time check your balance or transaction increases "he explained.

KEB, Hana Bank official said, "seeing that character, as well as voice and artificial intelligence (AI) as a suitable platform for use in the conversation can be expanded to a variety of content," he said.

IBK Industrial Bank is offering easy using a pin number transfer 'poof services. The service launched in July last year can easily transfer and withdrawal of only six digit password without the company of Bank Mobile Banking is 'ahyiwon (i-ONE) Bank' certificate or one-time password (OTP), security card in. ₩ 300,000 limit in the day, you can send money by phone or account number. Cash withdrawals are possible in the automation equipment (ATM).

IBK Industrial Bank of Korea official said, "We are greatly expanding the authorized 'poof service' to easily transfer various minority without a password to use the certificate in accordance with the abolition of duty," he said. IBK Industrial Bank has also launched the 'Fluff Dutch Pays' (10 May 2016),' poof foreign currency exchange (11 May 2016), followed by one year wolen 'Send gyeongjogeum swish' in.

IBK Industrial Bank of Korea official said, "and customers now private customers 14 million people of the smart banking affiliates nearly six million people" and "non-face-to-face channel utilization plan to provide a process which can conveniently join a variety of financial products to customers to" He said.

Shinhan Bank Robo advisor recommended a portfolio of mobile asset management services 'Em - Polio (M-Folio)' leverage was opened in November last year.

Shinhan Bank and Shinhan Investment Corp. jointly developed a robot Private Banking (PB) 'interest in asset management was high. According to Shinhan Bank since its launch last year Year-end M-novel sold fund solution through a portfolio it is 168.7 billion won, 10 min 2 10 min 8, the new amount of mobile all new accounts Em - was achieved through a portfolio.

In particular, M-using aggregate portfolio gotta have used a new fund clients signed up 10 people from Robo adviser suggested eight were non-professional portfolio appeared to be from a trust to a robot PB '. 8 out of 10 new customers in the fund name has joined the installment of goods more than 30 million. ₩ 100,000 was also designed to be a portfolio investment.

Shinhan Bank official said, "There is great significance to Robo adviser, has expanded artificial intelligence (AI), based on big data analytics technology portfolio, which was utilized only to professional investors and hefty asset, such as pension funds on existing strategies to the general individual customers" he explained.

Woori Bank has launched the 'wibi apartment loans' and 'wibi balance loan "goes all the lending process in January of this year, its specialized mobile banking' wibi (wibee) bank. You can easily get a loan without a smartphone visiting a bank branch office. Of 'tax loan above vision "and a group of individual loan product launched last October, based on the wibi banks' loan-plated upper portion' also attracted attention. According to our banks, it has raised the performance of two products launched in January based on 240.3 billion won three months all men (1082 cases) this year.

Our Bank has built a sales since last November 2011, the first banks to develop real estate products mubangmun-present Internet charter capital loans, real estate financing sector-present product line. According to our banks, facing the end of last year, based on non-chartered mortgage loans, interim loans, loan balance, including total balance of 10.084 trillion won in size and number, only 8 of the 4700 premium conditions. Our bankers are "non-face-to-face Real estate product in our bank has're getting the loan is made without branches the store through the electronic contract, except when the transfer of ownership due to sales generated competitive compared to products of other banks," he said .

The NH Agricultural Bank of renewal of the Front 'olwon bank (All One Bank)' financial holding the first joint mobile platform this year.

Olwon released in August last year, the bank has a customer can design the screen directly. In particular, it differentiates pin-tech companies and other banks in that it is an open platform for mobile banking subsidiaries holding all involved. When you log in to the bank olwon banking products you can of course use the NH cooperatives affiliated financial products and services. Join the NH Insurance and Travelers Insurance of Agricultural, NH is a way to apply for a loan with the Agricultural Capital Consulting NH savings banks. NH Agricultural Bank official said, "The number of travel insurance through the end of the year 2016 is atda olwon bank exceeded the sales through its own channels of NH Agricultural Insurance".

Olwon through the bank platform in this Renewal 'NH integrated financial account inquiry', affiliates, products and services, make a synergy 'NH cards fill point connection service, is strengthened. In addition, the first banknotes launched mobile IM based chat services, Financial bots (bot) 'was also to a enhancement.

KB Kookmin Bank launched a mobile platform, "Golden Life Banking" specific to senior customers come July 1. As well as key services are easy retrieval or transfer to the banking sector only in a variety of non-financial services, such as travel, shopping, square, senior gotta have herpes.

In particular, senior square "provides customized information for such high health, beauty, travel, leisure, show interest in the elderly customers. Golden Life Banking focused its sights even higher transfer · Views menu to take advantage of the layout, the mobile service enlarges the screen font size to senior customers are more convenient to use the front.

The use of mobile banking was considered senior to the bank counter customer customers are also gradually increasing. Officials of KB Kookmin Bank said, "relative had to use the mobile environment is the stranger senior mobile financial services customers to easily" and "will be the future culture and travel, including senior preferred areas by partnering with companies continue to upgrade their platform."



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Agricultural Financial Group, Senior, distribution differentiation

[South Korea's Choice Financial newspaper reporter] launched the Agricultural Financial Group (Chairman gimyonghwan) is a financial holding last June before holding joint platform for mobile bank subsidiaries are involved 'olwon bank. Olwon Bank has implemented the "Bank I create my own 'the customer directly to decorate the main screen background by selecting the frequently used services are registered. Olwon bank attracted 500,000 registered members this month 8 date.

Olwon strengths of the bank is that the open platform model to the participants tech companies around the pin and holding companies. When you log in to olwon bank banking products, as well as join the NH Insurance travel insurance and car loans you can also consult the NH Capital. Agricultural Finance official said, "If the NH Insurance Travel Insurance Insurance of atda exceed the NH own sales channels."

Last year, nine banks wolen first two senior private banking services 'keungeul transfer' was launched on the mobile platform. Agricultural Finance official explained that "after the implementation keungeul remittance services increased 50-60 account for 4.5% of the bank olwon members." Easy money transfer service using the number 8 this month date of the release of the moon in just 6 olwon bank has exceeded 140 million, ₩ 130 billion is also the amount used. Since two months also sought harmony "Agricultural Market A 'and distribution and finance. The yen next month Merchants Mart is also expanding its distribution business to align with one payment.

Financial cooperatives are focused to hold the differentiated services of the Agricultural Bank olwon million this year. ARGUENON information, such as rural travel is expected to bring the Nongshim associated services. Smart Gyeonggi provincial tax notices, plans to offer paid services since June this year. Agricultural Finance official said, "games for the 2030 generation, employment linked only commodities, 5060. generations ARGUENON information, non-face-to-face asset management services, will provide customer-specific differentiated services," said "the second half of this year global expansion as" olwon Bank Vietnam market kkoehanda also, "he said.



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