It’s a kangdori who reads economic news for 2 hours every morning, organizes his thoughts, and moves towards the rich and happy^^~
2022. 10. 28 (Fri) 1 minute summary Economic News 카카오뱅크 개인사업자 삼성카드
Lee Byung-soo, Kakao Bank Private Business Studio Team Leader 이베이스매뉴얼
“Our goal is to become an essential app for business, not just a banking application (app).”
Entered into corporate finance for the first time in 5 years since its inception in 2017.
From November, you can use the existing Kakao Bank app without the need to install a separate app, and the ‘home screen for the president’ will be applied in December.
Launch of personal business credit loan… Interest rate as low as 5.491% with a limit of 100 million won
Limit: 100 million won
Interest rate: as low as 5.491% (as of the 26th)
Loan period: 1 to 10 years
100% waiver of early redemption cancellation fee
There is no need to submit separate business-related documents, just enter the business registration number at the end to complete the application. Linked loans are provided through 13 affiliates to business owners who find it difficult to lend to individual businesses due to limitations, etc.
Expand the types of loans. In the first half of next year, loans with guarantees will be implemented. After that, we plan to introduce secured loans and policy fund loans.
Advancement of alternative credit rating model (CSS) for individual business owners. Focus on using business-related data rather than credit evaluation based on business personal credit -> Plan to set different data for credit evaluation by industry
Launch of bankbook, check/affiliate credit card considering the characteristics of individual business owners
Reduce financial costs
Exemption from transfer & ATM usage fees and business-related certificate issuance fees
Reduce business costs
0.3% cash back in daily life businesses such as restaurants and cafes.
3% cashback in business sectors such as telecom and petrol.
Sole business Samsung Card
Unconditional 1% discount at all domestic affiliated stores
1.5% discount for affiliate stores related to business operation expenses such as telecommunication, rental, and quarantine
5% discount at affiliated stores related to business essential expenses such as regular payment for the 4 major social insurances, electricity, gas, etc.
convenient service
In financial transactions, the company name is marked together, making it safer and more convenient than trading partners
It is possible to share an account number or request a deposit through a message card dedicated to the operator
Through the deposit request service, business operators can easily request and receive customer payment and customer settlement funds, and customers can deposit transaction money quickly.
design
Release of exclusive design for individual business owners
luxurious black color
Card with Ryan character / Simple and trendy card
A check card without a character can be customized to contain the message the operator wants
“We will become an essential individual business platform”
The goal of Kakao Bank is to become a ‘personal business platform’.
Community function to share know-how among businesses
Easy tax filing service
Differentiated sales related services
The goal set by this team leader
“Within three years, it will become the app that has the largest number of business customers among banks and platform operators, and has the largest number of business operators.”
Regarding credit growth, “In the short term, our goal is to fill 30-50% of the total annual loan growth with corporate loans, and in the long term, we will fill more than half of Kakao Bank’s loans with corporate loans.”
[Thinking like crazy]
Kakao Bank, launched in 2017, is expanding its scope from retail banking to corporate banking for the first time in five years.
As of 2021, the number of users of Kakao Bank has already exceeded 17 million.
However, if it enters into corporate banking in November, the number of users (share) is expected to increase further thanks to Kakao Bank’s convenient services.
The expansion of Kakao’s ecosystem is scary. Even now, there is no place Kakao cannot reach, such as finance, SNS, transportation, and games, but it continues to grow and expand its market share. Awesome!