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외고2018-웹용.qxp_Layout 1 2018. 6. 23. 오후 3:04 페이지 35

Incheon
Zenith Foreign
the 8th Language
High School

Kakao Bank creditation process has become too simple which
is only oper- can haed to increase in crimes like identity theft.
ated online, For example, on September 2, a man was swindled
meaning that out of 15 million won by a man pretending to be an
it can lower employee of Kakao Bank. In addition, criminal
lending rates cases related to the weakness of accounts of
or raise inter- Kakao Bank have frequently occurred, so the Fi-
est rates be- nancial Supervisory Service has begun on-the-spot
cause of inspections of security issues.
minimal oper- There are also many problems with
ating costs the number of bank accounts on
and staffing costs. Kakao Bank focuses on savings, Kakao Bank. The total number of
installment goods, and loan products because of assets generated since the launch
these advantages. One of the loans they offer is the amounted to 307 million accounts;
product called an emergency loan; this product can and the amount of debit cards
loan small amount of minus loan to your bank ac- reached 216 million issuances, out-
count after 60 seconds. Even users with the lowest performing competing banks. How-
credit rating can borrow up to 3 million won, and ever, two thirds of the 307 million
people with jobs have a limit of borrowing up to 160 accounts turned out to have 0 won
million won. Thanks to this, the amount of users of which makes them tin accounts. To
Kakao bank is increasing, but some people are receive a debit card and Kakao
raising concerns over the increase in the number Friends emoticons, they were
of borrowers. This bank loan allows a loan with a making accounts and using an-
fixed limit. However but most people do not use all other bank.
the money to the limit, which can cause the bank Although Kakao bank has a lot
problems because bank makes more income from of popularity, it has a lot of prob-
the interst paid. lems. Kakao Bank will have to crit-
Also, online transaction, a characteristic of the ically judge the security problems
Kakao Bank, can allow you to make several ac- and limitations on people who try to get a loan.
counts with just a cell They also need to work hard to prevent social prob-
phone and a few ac- lems such as accounts related to accounts and the
count certifications vicious circle of debts. Kakao Bank should expect
without having to visit to be reborn as a better bank with more reliable
the bank directly. services.
However, through this
convenience, there is Yoo, Yerin (1-1)
concern that the ac- ye33053745@gmail.com

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