This service goes beyond simple loan inquiries by combining MyData and large language models (LLM) to help customers easily understand their debt status.
The 'AI Debt Diagnosis' analyzes customers' credit loan rates, KCB credit scores, and repayment burdens relative to income, presenting their current debt health in an easy-to-understand format categorized as 'Seed-Growth-Tree.' Customers can intuitively check their debt status and receive personalized diagnostic reports generated by AI.
The service specifically analyzes debt vulnerabilities based on customers' age and financial situations, offering tailored strategies to reduce repayment burdens. For customers with high-interest loans, it provides information on government-supported financial products, refinancing options, and interest rate reduction requests to alleviate their financial strain.
Young customers will receive housing-related financial information, such as the Housing Safety Jeonse Keeper, while middle-aged customers will get advice on debt management and asset building. Senior customers will be informed about financial fraud prevention and integrated asset management support, providing practical financial information for their daily lives.
Cha Jae-beom, Deputy Head of Woori Bank's ESG Coexistence Finance Division, stated, "This service is designed to help customers accurately understand their debt status and manage their financial burdens independently. We will continue to expand financial services that combine AI technology and inclusive finance to support customers in reducing their financial burdens and achieving self-reliance."
Meanwhile, Woori Bank is expanding its inclusive finance initiatives by halting collection activities for individuals and sole proprietors with loans under 10 million won that have been overdue for more than six years, in line with the government's New Leap Fund (bad bank) policy.
* This article has been translated by AI.
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