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Fri, May 20, 2022 | 13:29
Economy
Kakao, KT get preliminary licenses for online banks
인터넷전문은행 인가에 희비 엇갈린 통신 2강
Posted : 2015-11-29 17:15
Updated : 2015-11-29 21:50
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By Kim Jae-won

Two consortiums — one led by Kakao, the other by KT — have been granted preliminary licenses to run Internet-only banks, allowing so-called fintech technologies to gain access into the traditional banking industry.

The Financial Services Commission (FSC) announced on Sunday that it had given the preliminary permits to run the web and mobile-based bank to the two consortiums, acknowledging their plans in offering innovative services.

Kakao operates the popular KakaoTalk app and the nation's second-largest portal site Daum. KT is the nation's second-largest mobile carrier.

A consortium led by e-commerce company Interpark failed to get a license due to its risky business model for lending money to small business owners.

The conclusion came from an independent screening committee consisting of seven experts in finance, information technology, legal and consumer sectors.

"Korea Kakao Bank is expected to run the business stably thanks to its KakaoTalk platform which may help it set up a customer base in the early stage," the committee said in a statement.

KakaoTalk has more than 40 million users. Korea Investment Holdings and KB Kookmin Bank also joined the consortium.

The committee's second choice was K-Bank, supported by KT, Woori Bank, GS Retail and Hanwha Life Insurance, for its wide range of channels to customers.

The two consortiums will start running their businesses in the second half of next year after getting a final license from the regulator by June.

Internet-only banks will offer the same banking services, including deposits, loans and foreign exchange business, through Internet and mobile platforms. The government has pushed for launching the Internet-only lenders, expecting them to create innovative services in the conservative banking industry.

The regulator also anticipates that the new type of financial services will give a boost to the banking sector suffering from low interest rates and sluggish growth.

The FSC said that Internet-only banks will focus on niche markets to which traditional lenders have not paid attention. They will include mid-rate loans based on big data, simple payment methods and asset management services using robot advisers.

This is the first time in 23 years that the government has given a preliminary license to run a bank. To get final approval, the two consortiums must run the bank with online-only methods and meet the same human resources levels and facilities as regular banks.


인터넷전문은행 인가에 희비 엇갈린 통신 2강

K뱅크 이끈 KT 축배…I뱅크 참여한 SKT는 고배

23년 만에 국내 은행 신규 진입자로 카카오가 이끄는 한국카카오은행 컨소시엄과 KT가 이끄는 케이뱅크 컨소시엄이 29일 선정되면서 통신업계 1,2위를 달리는 SK텔레콤과 KT의 희비가 엇갈렸다.

케이뱅크 컨소시엄을 주도한 KT는 이날 금융위원회의 인터넷 전문은행 예비인가 발표 직후 '사업 계획 혁신성과 참여 주주사 역량을 인정받은 결과'라며 환영했다.

지분 8%를 보유한 KT는 우리은행(지분율 10%)과 함께 컨소시엄의 코디네이터 역할을 맡아 GS리테일(10%), 한화생명(10%), 다날(10%) 등 21개 회사가 참여한 컨소시엄의 사업 계획을 진두지휘하며 허가권을 따냈다.

KT는 인터넷전문은행 진출로 계열사인 BC카드와 시너지 효과를 만들어내며 금융 부문으로 사업 영역을 본격 확장하는 교두보를 확보한 것으로 평가된다.

케이뱅크 컨소시엄 TF장 김인회 전무는 '케이뱅크는 차질 없는 사업준비로 중소상공인의 창업지원, 금융 소외계층에 대한 혜택을 확대할 것'이라며 '온·오프라인 연계를 통한 이용자 편의성 확대 등 차별화된 서비스로 고객에게 더 많은 혜택을 제공하는 '1등 인터넷전문은행'이 되기 위해 노력할 계획'이라고 말했다.

반면, SK텔레콤은 인터파크가 주축이 된 아이뱅크 컨소시엄이 탈락한 것에 대해 아쉬움을 드러냈다. 향후 시장 상황에 따라 인터넷은행 2차, 3차 진입 기회가 있겠지만 이번에 고배를 마심으로써 시장 선점 기회를 놓쳤기 때문이다.

통신업계 1위 업체로서 2위 업체에 밀려 자존심에도 상처를 입었다.

SK텔레콤은 '향후 재도전 가능성을 배데하지 않고 있다'며 '시장 환경 변화를 면밀히 살피며 대응할 계획'이라고 밝혔다. (연합뉴스)
Emailshosta@ktimes.com Article ListMore articles by this reporter
 
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