Welcome Savings Bank "Manage Debt and Secure Transactions with Welcome MyData"
[Asia Economy Reporter Song Seung-seop] Welcome Savings Bank will launch the 'Welcome MyData' service on the 5th, becoming the first in the savings bank industry to start a MyData service.
Welcome Savings Bank customers can enjoy the Welcome MyData service through the Welcome Digital Bank application (app). Services such as customized debt management plans, credit management, financial product recommendations, and secure transactions will be provided. Customized debt management and secure transactions will be prioritized, with other services to be released sequentially.
Customized debt management encourages interest savings or credit score improvement through debt management. After analyzing the customer's transaction status, it also recommends the most suitable products. The checklist is composed of low-interest products, making it easy for customers to switch to options favorable to their situation.
Additionally, a debt report is provided that categorizes loans used or held by financial institutions by type. Details of consumption and expenditures are also organized and delivered in detail. Not only general customers but also those undergoing rehabilitation or credit recovery procedures can use a separate debt management service.
By using the secure transaction service, customers engaging in secondhand transactions can immediately deposit and withdraw funds. Also, to prepare for fraudulent or problematic transactions, Welcome Savings Bank guarantees up to 300,000 KRW of the transaction amount. Customers can freely operate on existing secondhand transaction platforms and simply exchange payment through the secure transaction service. Furthermore, Welcome MyData analyzes various information to classify secondhand traders into secure, general, or problematic (reported) traders, allowing safe transactions after checking the rating.
In addition, Welcome Savings Bank plans to introduce services such as ▲government subsidy guidance ▲integrated debt certificate ▲financial report sharing ▲financial cafe ▲loan certificate trading ▲membership fee account ▲smart money saving.
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A representative of Welcome Savings Bank stated, “As a platform based on data, the purpose of Welcome MyData is to provide optimized lifestyle financial services,” and emphasized, “We will analyze the information gathered through MyData and go beyond simply providing it to offer services that are practically helpful to customers and lead to benefits.”
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