{"id":447,"date":"2026-01-24T01:03:19","date_gmt":"2026-01-23T23:03:19","guid":{"rendered":"https:\/\/digitalfinance.best\/?p=447"},"modified":"2026-01-24T01:03:19","modified_gmt":"2026-01-23T23:03:19","slug":"kakaobank-to-launch-ai-mortgage-service","status":"publish","type":"post","link":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/","title":{"rendered":"KakaoBank to launch AI mortgage service"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p class=\"wp-block-paragraph\">Korea\u2019s largest internet-only lender KakaoBank will launch a mobile mortgage loan service powered by an artificial intelligence-based chatbot this month, allowing for a user-friendly and convenient loan application process, the firm said.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cMost of the mobile mortgage loans in the country require customers to swipe left and right on a phone screen to go through a complicated process of loan application. But KakaoBank\u2019s mortgage loan service provides much more seamless customer experience,\u201d said KakaoBank CEO Yun Ho-young during an online press conference.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When a lender enters the chatting room, the chatbot asks for the address of the apartment the lender is looking to purchase and other information such as marital status and yearly income, said Baek Hee-jung, co-leader of KakaoBank\u2019s mortgage loan team.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In just three minutes, the chatbot informs customers of the expected interest rates and the maximum amount they can borrow, depending on the loan\u2019s expiration period that ranges from five to 35 years, Baek added.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cA lender can finalize the loan application by simply typing in the self-identification code and uploading a photo copy of a sales contract,\u201d Baek said. \u201cKakaoBank automatically submits related documents such as copies of resident registration and family relation certificate. There is no need to visit banks and prepare for complicated paper works.\u201d<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">KakaoBank stressed that it has improved their system and infrastructure to manage the mobile loan process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cWe had some unfortunate incidents last year when we weren\u2019t able to handle the soaring demand from mobile \u2018jeonse\u2019 loans. In order to prevent similar problems, we\u2019ve recruited twice as many retail banking experts than the optimal number of staff,\u201d said Song Ho-gen, co-leader of KakaoBank\u2019s mortgage loan team, referring to loans for two-year leases.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With advanced AI banking technology, KakaoBank plans to launch a mobile deposit and loan service for self-employed business owners by the end of this year as well.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yun also said KakaoBank is seeking to enter the global market, allowing other countries to benchmark its innovative banking system.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Korea\u2019s largest internet-only lender KakaoBank will launch a mobile mortgage loan service powered by an artificial intelligence-based chatbot this month, allowing for a user-friendly and convenient loan application process, the firm said. \u201cMost of the mobile mortgage loans in the country require customers to swipe left and right on a phone screen to go through [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"pmpro_default_level":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-447","post","type-post","status-publish","format-standard","has-post-thumbnail","category-other","pmpro-has-access"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KakaoBank to launch AI mortgage service - SME Banking Platform<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KakaoBank to launch AI mortgage service - SME Banking Platform\" \/>\n<meta property=\"og:description\" content=\"Korea\u2019s largest internet-only lender KakaoBank will launch a mobile mortgage loan service powered by an artificial intelligence-based chatbot this month, allowing for a user-friendly and convenient loan application process, the firm said. \u201cMost of the mobile mortgage loans in the country require customers to swipe left and right on a phone screen to go through [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/\" \/>\n<meta property=\"og:site_name\" content=\"SME Banking Platform\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/lototskyy.ilya\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-23T23:03:19+00:00\" \/>\n<meta name=\"author\" content=\"Illia Lototskyi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Illia Lototskyi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/\"},\"author\":{\"name\":\"Illia Lototskyi\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#\\\/schema\\\/person\\\/38237486d66858b33e4f6ba67794287e\"},\"headline\":\"KakaoBank to launch AI mortgage service\",\"datePublished\":\"2026-01-23T23:03:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/\"},\"wordCount\":341,\"image\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"Other\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/\",\"name\":\"KakaoBank to launch AI mortgage service - SME Banking Platform\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2026-01-23T23:03:19+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#\\\/schema\\\/person\\\/38237486d66858b33e4f6ba67794287e\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/kakaobank-to-launch-ai-mortgage-service\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430\",\"item\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/cental-asia\\\/home-central-asia\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"KakaoBank to launch AI mortgage service\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#website\",\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/\",\"name\":\"SME Banking Platform\",\"description\":\"Knowledge Base Platform\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/#\\\/schema\\\/person\\\/38237486d66858b33e4f6ba67794287e\",\"name\":\"Illia Lototskyi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g\",\"caption\":\"Illia Lototskyi\"},\"description\":\"Content Manager at SME Banking Agency. I analyze and curate the most important information every day, helping you stay informed about market developments, key trends, and make well\u2011grounded management decisions.\",\"sameAs\":[\"https:\\\/\\\/smebanking.agency\",\"https:\\\/\\\/www.facebook.com\\\/lototskyy.ilya\",\"https:\\\/\\\/www.instagram.com\\\/illia_lototskyi\"],\"url\":\"https:\\\/\\\/smebanking.agency\\\/platform\\\/author\\\/ilotocky\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"KakaoBank to launch AI mortgage service - SME Banking Platform","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/","og_locale":"en_GB","og_type":"article","og_title":"KakaoBank to launch AI mortgage service - SME Banking Platform","og_description":"Korea\u2019s largest internet-only lender KakaoBank will launch a mobile mortgage loan service powered by an artificial intelligence-based chatbot this month, allowing for a user-friendly and convenient loan application process, the firm said. \u201cMost of the mobile mortgage loans in the country require customers to swipe left and right on a phone screen to go through [&hellip;]","og_url":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/","og_site_name":"SME Banking Platform","article_author":"https:\/\/www.facebook.com\/lototskyy.ilya","article_published_time":"2026-01-23T23:03:19+00:00","author":"Illia Lototskyi","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Illia Lototskyi","Estimated reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#article","isPartOf":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/"},"author":{"name":"Illia Lototskyi","@id":"https:\/\/smebanking.agency\/platform\/#\/schema\/person\/38237486d66858b33e4f6ba67794287e"},"headline":"KakaoBank to launch AI mortgage service","datePublished":"2026-01-23T23:03:19+00:00","mainEntityOfPage":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/"},"wordCount":341,"image":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#primaryimage"},"thumbnailUrl":"","articleSection":["Other"],"inLanguage":"en-GB"},{"@type":"WebPage","@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/","url":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/","name":"KakaoBank to launch AI mortgage service - SME Banking Platform","isPartOf":{"@id":"https:\/\/smebanking.agency\/platform\/#website"},"primaryImageOfPage":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#primaryimage"},"image":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#primaryimage"},"thumbnailUrl":"","datePublished":"2026-01-23T23:03:19+00:00","author":{"@id":"https:\/\/smebanking.agency\/platform\/#\/schema\/person\/38237486d66858b33e4f6ba67794287e"},"breadcrumb":{"@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/smebanking.agency\/platform\/kakaobank-to-launch-ai-mortgage-service\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u0413\u043b\u0430\u0432\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u043d\u0438\u0446\u0430","item":"https:\/\/smebanking.agency\/platform\/cental-asia\/home-central-asia\/"},{"@type":"ListItem","position":2,"name":"KakaoBank to launch AI mortgage service"}]},{"@type":"WebSite","@id":"https:\/\/smebanking.agency\/platform\/#website","url":"https:\/\/smebanking.agency\/platform\/","name":"SME Banking Platform","description":"Knowledge Base Platform","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/smebanking.agency\/platform\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Person","@id":"https:\/\/smebanking.agency\/platform\/#\/schema\/person\/38237486d66858b33e4f6ba67794287e","name":"Illia Lototskyi","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/secure.gravatar.com\/avatar\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/08960b0f63bc51e30c56e95ed90b4691f0f09bce959b9a7c1b69b75f29893087?s=96&d=mm&r=g","caption":"Illia Lototskyi"},"description":"Content Manager at SME Banking Agency. I analyze and curate the most important information every day, helping you stay informed about market developments, key trends, and make well\u2011grounded management decisions.","sameAs":["https:\/\/smebanking.agency","https:\/\/www.facebook.com\/lototskyy.ilya","https:\/\/www.instagram.com\/illia_lototskyi"],"url":"https:\/\/smebanking.agency\/platform\/author\/ilotocky\/"}]}},"_links":{"self":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/posts\/447","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/comments?post=447"}],"version-history":[{"count":1,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/posts\/447\/revisions"}],"predecessor-version":[{"id":76361,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/posts\/447\/revisions\/76361"}],"wp:attachment":[{"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/media?parent=447"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/categories?post=447"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smebanking.agency\/platform\/wp-json\/wp\/v2\/tags?post=447"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}