CEO David Young Han's Column- Message from the appearance of 'Kakao Bank Counseling Chatbot'
By TheWAY - 6월 14, 2018
CEO David Young Han's Column-
Message from the appearance of 'Kakao Bank Counseling Chatbot'
Last year, in 2017, Korea became a professional Internet bank, and two Internet banking companies, K-bank and Kakao Bank, entered the market. A year or so later, the report card for 2017 and the first quarter of this year were released.
Looking at the contents, we can see that the Kakao bank has been a late buyer but it is now in the position of absolute advantage. As of the end of last year, the total loan amount of the Kakao bank was 4,621.8 billion won, and K-bank accounted for 951.6 billion won. At the end of the first quarter of this year, the total loans of the Kakao bank rose to 5,856.5 billion won and the number of K bank increased to 1,289 billion won.
Based on the NIM, which showed a 1% QoQ in 1Q09, if the margin is set at 2%, a bank with a fixed cost of 100 billion won should have a credit worth 10 trillion won. In the end, investors' attention was focused on which bank would be the first to reach 10 trillion won of the goddess.
In order to reach this goal in the first place, the two banks need to collect loyal customers, and the banking brand should be deeply embedded in the minds of the public with better service and convenience.
At this point, the Kakao bank again launched a preemptive attack. The move of the Kakao Bank is not merely going ahead of its competitor, K-Bank, but it is throwing a lot of shock waves to the entire Korean financial community.
Kakao Bank announced this month that it will officially launch 'Kakao Bank Consulting Chatbot' based on AI(Artificial Intelligence).
The Kakao Bank's chatbox is not a simple response mechanism provided by existing financial institutions but provides image and video. When it is linked with Kakao Mini, it also provides voice recognition service. It is expected to be widely applied to fraud and cyber security related monitoring.
As such, in the era of the 4th Industrial Revolution, the Kakao Bank will continue to make a breakthrough in the financial services business, which is based on the AI and provides time-lagging, unconventional programming. And K-Bank seems to have not found the contact points of the 4th Industrial Revolution and the present service properly, so it is demanded.
Ultimately, we may be seeing the light and darkness of those who adapt quickly and those who do not so fast in the era of the Fourth Industrial Revolution. Consumers will continue to seek better services and this is the natural course of the era.
The key to the era of the Fourth Industrial Revolution is the creation of value through services. Eventually, the gap between those who do this and those who do not becomes clear as time goes by.
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