"Approval Within 1 Minute"... KB Kookmin Card Launches 'Card Review and Issuance Automation System'

Improvement of Chat Function in 'Simsasangdam Talk'
Diversification of Identity Verification Methods

[Asia Economy Reporter Ki Ha-young] KB Kookmin Card announced on the 4th that it will fully operate the 'Card Screening and Issuance Automation System,' which significantly shortens the card issuance screening time. This system is optimized for the changing trends in card issuance, such as the expansion of issuance through non-face-to-face channels and the Ontact era.

This system automates the screening process according to predefined criteria, which was previously handled manually by screening staff. It features improved convenience for customers applying for cards as well as increased speed and efficiency in screening operations.

The automation system, completed after one year of development, focuses on four areas: ▲automation of screening consultations ▲intelligent input and processing of screening data ▲refinement of the screening system ▲simplification of the screening process.

First, to automate screening consultations, the chat-based 'Screening Consultation Talk' introduced last year as the industry's first was improved to be based on the familiar KakaoTalk platform, and various non-face-to-face identity verification methods were added. Input and modification of application information for card issuance can also be easily handled within the chat environment, enhancing customer convenience.

Regarding intelligent input and processing of screening data, external institution data such as transaction performance information from major KB Financial Group affiliates like KB Securities and KB Insurance, real estate information provided by credit rating agencies (CB), and employment company information were additionally utilized. This allows the system to quickly and efficiently conduct eligibility and income standard screenings that were previously handled by screening staff.

In terms of refining the screening system, the screening systems that were operated separately across multiple systems were integrated into a screening strategy system, enabling more organic and precise execution of tasks such as ▲identity verification ▲application validation ▲disposable income calculation ▲fraudulent issuance verification.

Regarding simplification of the screening process, tasks previously handled manually by screening staff were automated and the workflow was reorganized, reducing the number of steps from 8 to 4 from the reception of non-face-to-face card issuance applications to completion.

A KB Kookmin Card official stated, "Most applications through non-face-to-face channels are screened within one minute, significantly reducing the time required for card issuance screening compared to before," and added, "Through continuous performance improvements, we plan to gradually introduce the automation system for face-to-face channel applications as well, expanding the 'Card Screening and Issuance Automation System' to all recruitment channels."

This content was produced with the assistance of AI translation services.