Service

Customer Acquisition

Customer acquisition is to help clients make accept or reject decisions and decide the appropriate credit limit or interest rate in loan or card by evaluating a consumer’s risk level and the ability to pay.
Customer Management

Customer management is to assist clients to decide whether an existing customer’s maturity should be extended or not, and recalculate a credit limit or interest rate through risk assessment.
Collections

Collections are for supporting clients in managing delinquent customers through debt (customer) evaluation.

KCB has been completing client projects successfully, utilizing its proven model development methodologies and top talents.

Design models/strategies
considering specific features
Develop best-performing
Models taking development
environment into account
Develop models accommodating
changes to policies and
customer characteristics
Expand and use available data
in terms of quality and quantity
(using big data and
un-identification technologies)

AllCredit, your trusted partner in the financial life with reliable credit data and systematic credit management: AllCredit, equipped with the largest positive credit data as the first one in collecting such as data, helps you manage your credit, identity, and finance, daily necessities in your life.

Free credit check (three times a year)

A consumer can check his or her credit status such as credit score, and use of cards or loans for free three times a year.
Free application for notification of credit score change(twice a month)

A consumer can be notified of whether there is a change to his or her credit score by email or SMS twice a month.
Comprehensive Credit Management Plus

With this, a consumer can manage credit in many aspects from checking credit score, seeing analysis report on current credit andunderstanding how to increase the score.
Financial Identity Protection

A consumer can prevent identity theft which may occur in financial transactions by blocking illegal credit inquiry made with stolen identity and get compensation for damages if it happens.
Raising Credit Score

A consumer can increase his or her credit score
by proving unreflected economic activity
through MyData and public data connection
Assets Valuation

With MyData connection, a consumer can check
how positive his or her asset score is

AllCredit

Service Map

Credit data collected, processed and provided in the form of a report

Information on transaction in loans or credit cards with financial companies
Credit-related data at public organizations (such as bankruptcy, rehabilitation, business suspension or closure, etc.)

Credit Report
Personal Credit Report	A comprehensive credit report which includes information on loans, credit cards, and delinquency to understand a consumer’s creditworthiness
SOHO Credit Report	A comprehensive credit report which includes information on loans and delinquency to understand a micro-business owner’s creditworthiness
Transaction Alarm	Changes which impact a consumer’s credit status are notified daily

Services that help measure the risk of credit default

Credit Services
k-score	Service that provides a rating of each individual’s credit risk level
Subprime Score	Service that provides a rating by segmenting customers who use high-interest credit loan products into the possibility of delinquency
Multiple Debt Risk Index	Service that provides a rating of the potential risk of multiple debtors
Non-face-to-face Linked Loan Score	Service that provides a rating of the credit risk level of consumers using non-face-to-face platforms
MyData Score	Service that provides a rating of the credit risk level using a variety of information collected with customer consent
Self Cure Score	Service that provides a rating of the likelihood that overdue customers will repay within 30 days
SOHO Score	Service that provides a rating of the probability that a small business owner is overdue for more than 90 days in the next 1 year
SOHO Watch Index	Service to identify small business owners with a high potential risk in the future

Services that improve customer relationships by increasing customer values

Value-up Services
Income Estimation	Service that provides annual income and income based on asset size
K-DSR	Service that estimates the customer’s actual debt repayment burden
Asset Evaluation Index	Service that estimates the size of real estate assets and provides them in the form of index
Non-face-to-face Credit Opening Availability Index	Service that estimates the possibility of opening loans for consumers using non-face-to-face platforms
SOHO Annual Sales Estimation Model	Service that provides estimated annual sales of small business owners based on alternative information

Services to help detect fraudulent transactions in advance

Fraud Services
R-Score	Service that provides a rating of the possibility of personal rehabilitation application within the next 12 months
SAFE-A	Service that provide a rating of fraudulent risk of loan and card application