KB Kookmin Bank announced that it will conduct a pilot to digitize financial services using Augmented Reality (AR) technology.
AR superimposes virtual information, such as images and texts, on real objects that users see with their eyes in real time.
The service will run through a web-based application that can be run directly from a smartphone browser without installing a separate app.
Users can enjoy the augmented reality services on a dedicated screen by scanning QR codes embedded in messengers, branches, paper posters among others.
Starting in June, KB Kookmin Bank will provide augmented reality services, such as fund event information, mystery shopping education and branch closure information.
To reduce waiting time at branches, the bank will also provide the AR Supporter Service at 10 crowded branches where a 3D character will guide KB Kookmin Bank’s services when a QR code is scanned.
This project is also significant because it is a collaboration between KB Kookmin Bank’s developers and various overseas designers and developers to diversify human resources and cut costs.
“Although many areas of banks have been digitized, customer-facing business remains an important area of them,” a KB Kookmin Bank official said.
“We will continue to expand application areas for digital technologies that can be used in face-to-face interactions.”
The digitalization pilot service is scheduled to run until July of 2024. During this period, the bank will collect user feedback and consider whether to introduce it in earnest.
Credit Management Report and DSR Calculator
KB Kookmin Bank announced that it has added Credit Management Report and DSR Calculator to its MyData credit management service.
The KB MyData service allows users to analyze and manage their transaction information scattered across multiple financial institutions by putting it into KB Star Banking.
The new Credit Management Report and DSR Calculator services are also available in KB Star Banking to customers after they sign up for KB MyData.
Credit Management Report is a service that diagnoses and manages appropriate loan costs in relation to income by analyzing customers’ credit scores and credit transaction status, such as the number of loans, loan amounts, average interest rates and number of cards collected through MyData.
DSR Calculator provides customers in need of loans with estimated loan limits within residual DSR ranges by calculating a DSR figure for each customer based on current customers’ loan information identified through MyData.
“As consumer interest in credit and loan management is growing, we designed this service to implement useful services,” a KB Kookmin Bank official said.
“KB Kookmin Bank will steadily introduce MyData-based personalization services for customers with various financial and non-financial needs.”
KB Kookmin Bank launches KB Disability Life Care Trust, a trust product customized for inheritances of people with disabilities.
Launch of KB Disability Lifetime Care Trust
KB Kookmin Bank announced the launch of KB Disability Life Care Trust, a trust product customized for inheritances of people with disabilities.
KB Disability Life Care Trust covers property which disabled persons inherited in laws, such as the Inheritance and Gift Tax Act.
People with disabilities with up to 500 million won in cash and real estate with no amount limits can use KB Disability Life Care Trust.
The KB Disability Life Care Trust of up to 500 million won will be exempt from gift tax if the trust contract is maintained until their deaths.
Customers who join the trust can use profits generated from this trust product at any time.
They can also withdraw the principal without incurring gift tax if they meet requirements set by law, including living expenses of 1.5 million won per month, medical expenses, nursing care expenses, and special education expenses.
Moreover, KB Kookmin Bank provides customers with comprehensive consulting services by experts such as lawyers and tax accountants specializing in asset management.
It also provides Braille services for the visually challenged and waives fees for automated teller machines and deposit and withdrawal notification services.
“KB Disability Lifecare Trust is a product launched to support the economic independence of people with disabilities and give tax benefits to them,” a KB Kookmin Bank official.
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