사진 확대

Based on the competitiveness accumulated in SOHO finance, K-Bank will establish a foundation for expanding SME corporate finance.

K-Bank (President Choi Woo-hyung) announced on the 24th that it has launched a project to build a credit system for small and medium-sized corporations to provide non-face-to-face loan services to small and medium-sized corporations.

The key to this project is to establish a corporate financial platform that allows customers of small and medium-sized corporations to use the entire process from loan application to screening, execution and management in a non-face-to-face manner. Like household loan services for individual customers, the goal is to digitize the entire corporate loan business and establish a data-based screening system to provide quick and convenient corporate financial services.

K-Bank will cooperate with major financial and IT companies such as Samsung SDS, its main operator, Bankware Global, KPMG, and Finger to promote the business with the goal of opening the system in 2027. In particular, it plans to build a stable system by increasing the efficiency and quality of the entire process from work requirements analysis to design, development, and testing by utilizing AI-based development technology.

Once the system is established, customers of small and medium-sized corporations will be able to use corporate loan services through apps and websites dedicated to corporate banking that K-Bank is the only Internet bank operating.

K-Bank currently provides corporate banking services such as account opening, deposits, and transfers to corporate customers, and through this project, it will expand corporate financial services from reception-oriented to credit areas. In addition, the overall corporate banking channel is being advanced at the same time, and the convenience of use is continuously strengthened.

In the future, K-Bank plans to expand the SME financial ecosystem by increasing the financial accessibility of small and medium-sized customers based on its credit rating model (CSS) capabilities and accumulated data, and introducing various credit products and financial services sequentially tailored to customer characteristics.

"It is the first step to expand non-face-to-face financial innovation verified in households and private businesses to small and medium-sized corporations," a K-Bank official said. "We will prepare an environment where customers of small and medium-sized corporations can conveniently use loans from application to screening, execution, and management on mobile without visiting branches."