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韩版微信Kakao计划链接旗下网络银行与支付平台

近日,韩国最大的社交平台Kakao Talk宣布,公司将在今年下半年开启相关项目,链接旗下的网络银行与支付平台,以获取更多用户数据,提高金融创新能力。

今年4月初,Kakao Talk曾宣布公司获得韩国金融服务委员会批准,被授予纯网络银行“Kakao银行”营业许可。这也是继韩国电信在此前成立K银行之后,韩国的第二家互联网银行,腾讯是该银行的第二大股东。

据悉,Kakao银行是由IT企业Kakao主导,其重点业务是通过Kakao Talk快捷地汇款,基于大数据向个人提供中利信用贷款,为小规模个体户提供小额贷款。Kakao Talk计划先提供个人存款和贷款服务,然后将业务范围扩大至信用卡、银行保险、基金销售等领域。

目前,Kakao Talk在韩国的用户数量已经超过4200万,公司表示,未来将主要加强KakaoBank平台与KakaoPay服务的链接。自7月27日推出以来,KakaoBank的用户数量已经达到216万。Kakao拥有KakaoBank 10%股份。

公司董事长Choi Yong-seok在电话会议上表示,公司希望把KakaoBank和KakaoPay的业务模式相结合,形成协同效应。目前,公司正在制定具体的实施方案。

近日,Kakao发布了第二季度财务报告,整体收益高于预期。数据显示,四月至六月期间,平台营业利润同比增长68%至446亿韩元(3910万美元),同期销售额同比增长24%至4684亿韩元。

其中,内容营销额增长24%至2333亿,音乐收入同比增长29%至1171亿韩元,广告销售额为1514亿韩元,增长11%。但由于资产出售,公司净利润下降了6%,为125亿韩元。

分析师表示,KakaoBank能够通过提供大量用户数据,包括其客户的消费模式等,帮助提高其KakaoTalk平台的价值。

韩华投资证券分析师Kim So-hye表示,KakaoTalk可以通过对KakaoBank客户的财务信息来对客户进行精准定位,进行广告投放。

Internet company Kakao said it will connect its new banking service with its popular payments platform later this year, as it seeks to synergize its businesses and innovate in the financial technologies sector.

The company, whose messenger application, KakaoTalk, is used by more than 42 million people in South Korea, said Thursday that its next step is to combine the KakaoBank platform with KakaoPay services. KakaoBank, an internet-only bank, has drawn 2.16 million customers in the two weeks since its launch on July 27. Kakao owns a 10% stake in KakaoBank.

"We expect to create synergy by putting the strengths of KakaoBank and KakaoPay together," said Choi Yong-seok, a director at the company, in a conference call. "We are sharing ideas and trying experiments on the plan which will be introduced in the second half."

Kakao posted better-than-expected earnings in the second quarter on Thursday. Its operating profit jumped 68% to 44.6 billion won ($39.1 million) year-on-year in the April-June period. Sales rose 24% to 468.4 billion won during the same period.

Content sales increased 24% to 236.3 billion, with revenue from music content rising 29% to 117.1 billion won. Sales from advertisements came in at 151.4 billion won, up 11%. But its net profit fell 6% to 12.5 billion won after it paid 23.5 billion won in exceptional corporate taxes as a result of asset sales.

Analysts said KakaoBank would help boost the value of its KakaoTalk platform by offering big data, including the consumption patterns of its customers.

"KakaoTalk can expose targeting advertisements by using the financial information of KakaoBank customers," said Kim So-hye, an analyst at Hanwha Investment & Securities. "KakaoBank is impressive because it aims for a new platform beyond banking and fintech based on KakaoTalk."


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