[Finance D-Tote] Naver Pay Payment Payment, Gain, What?

Digital Nestled in contact with the everyday (Digital Contact) now biting the digital issues of the week financial books, chewing, tasting extending to the Financial D- tact 'of jidi every other Saturday. Behind the scenes of the digital transition, as well as to introduce the details I had to dissolve the article to CNET Korea readers. [Editor]

Now the service you pay later, an accident, or the 'Buy now pay later (BNPL)' country even seemed a little line. Financial and Naver started beta testing for some customers since the end of April, while service users against the current 19 years.

Now the service you pay later, thinking that the service is literally right now, even if the money to buy things. Frills same as the concept of a credit card. Credit card shop standing buy things on credit card company B has called them daenap A, and if A further process the money to pay off the credit card company B will proceed similarly deferred payment of the Financial Naver. However, the deferred payment takes place after Naver point holds can not be deferred payment of all amounts deducted.

This service is a credit card already exists, egen does not greatly benefit them the generous limits. Deferred payment up to the limit of the Financial Naver limit applies differentiated according to 300,000 won and yimajeodo credit data. In addition, it does not support the deferred payment in all stores. If the credit card's presumably more comfortable with one simple payment card connected to the Naver Financial.

However, thin-filer (lack of financial history characters), issued before or credit card or Social freshman college student 's a useful service. I can not count the credit, click the Press's possible to receive a jireumsin 'came from. To the original credit, non-banking financial Naver Commission gave emitter in the way of service even difficult to use credit cards youth, housewives and financial underprivileged gotta provide micro-credit opportunities are expected to contribute to achieving financial inclusion, he said.

If Naver Financial offers the opportunity to a small credit to the scene filer, what are we doing to provide financial Naver? The right data. Once the nature of credit, you must agree to the personal credit information inquiry and collected. Here Naver Financial is the use of credit data in the credit rating assessment models, and further alternatives will also use this data to build a credit rating model.

Shem is the financial history is not available to those who did not credit, the chances of credit and default rates (delinquency) Naver is the big picture, including the calculation of financial motivation to quantify and create a new credit scoring model. Collection of data is presumably helped to create a personalized product aimed at young people later targeted loans or housewives. The Financial Naver will be established this year to model alternative to credit rating agencies may sell to traditional financial institutions.

Deferred payment may eventually seen as 'bait' products for data acquisition. The data at the most, and be postpay various ages equipped to corporate competitiveness is observed to increase.

Although eoryeopgin prevent 'jireumsin' I must have that 12% of the annual catches during the case of overdue payment arrears in mind. This information when overdue gotta pass on the credit rating agencies should also keep in mind personal credit score affects viscosity.

Sign up, but the impact on your credit score, the credit will not be liable for the hit on your credit score. Something that has a thin but filer is postpay right teuyige the breather with a small credit, that's a double-edged as reckless postpay be thin forever filers sword, we'll have to keep in mind once again.