대환대출 온라인 플랫폼Compiling loan exchange platforms such as Kakao Pay, Naver Financial, Toss, Pinda, and Bank Salad on the 9th, it is understood that loan exchange loans executed through these services are less than half of the total. Non-face-to-face refinancing loan services are provided through these five platform companies and each financial company’s app. The platform displays all products of affiliated financial companies, and financial apps of each company induce refinancing loans centered on their products.
An official from the platform industry said, “It varies by company, but we understand that only about 40% of the total amount of non-face-to-face loan transfers was made through the platform.” more prominent,” he said.
It is understood that the reason why the loan exchange platform was less active than expected is because commercial banks were not active in entering the platform. Kakao Pay is the only company that has all the loan products of the five major banks (KB Kookmin, Shinhan, Hana, Woori, and NH Nonghyup Bank) among the exchange loan platforms. There are platforms that none of the five major banks have entered, and Big Tech only has a maximum of two banking products, excluding Kakao Pay. An industry insider pointed out, “The sales volume is low because there are not enough products on display.”
The fintech industry is raising its voice that banks should more actively present their products on the platform to increase the effect of policies. Compared to refinancing loan platforms that can display loan products from a number of financial companies, financial company apps focus on refinancing loans for their own products, so the effect of ‘lowering interest rates through loan comparison’ is that platform activation is the correct answer.
An industry insider said, “Hana Bank and Woori Bank, which are relatively actively participating in the platform, are seeing effects such as early exhaustion of the limit in the early stages of non-face-to-face refinancing loans.” do,” he said.
Reporter Kim Si-so siso@etnews.com
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