KB国民卡将Coupang内贷款查询服务扩展至普通用户

KB Kookmin Card has moved to expand its loan solicitation channel using the Coupang platform. The company has extended a loan inquiry service, previously offered only to existing partnership card customers, to general Coupang users. The strategy aims to broaden financial product touchpoints among the platform's large user base.
According to the financial industry on the 4th, KB Kookmin Card expanded the target customers for its loan solicitation service within the Coupang app starting last month. The service had previously been available only to holders of the "KB Kookmin Wow Card," a private label credit card (PLCC). The scope has now been widened so that general Coupang users without a Wow Card can also use it.
Through the service, users can check the limits and interest rates of KB Kookmin Card loan products, such as card loans and general credit loans, within the Coupang app. KB Kookmin Card handles the actual procedures, including loan application, review and execution. When a loan is applied for through Coupang Pay, users can receive 1% of the loan amount as Coupang Cash, which is expected to help attract users.
Card loans, however, are available only to existing KB Kookmin Card holders. Coupang users who are not KB Kookmin Card members can inquire about and apply for general credit loan products. The credit loan product currently linked is "KB Kookmin Easy Credit Loan." The maximum available amount is 50 million won.
KB Kookmin Card chose a strategy to expand its financial product sales touchpoints by leveraging Coupang's large user base. The two companies earlier launched the "KB Kookmin Wow Card" in October 2023. The Wow Card surpassed 2 million cards sold within two years of its launch, earning recognition as a successful case of a platform partnership card.
This service expansion also carries the meaning that the two companies' collaboration, which had centered on card products, has broadened into the area of financial products. For KB Kookmin Card, it has widened opportunities to secure potential customers not only among existing card holders but also among Coupang users.
Recently, card companies have been focusing on increasing customer touchpoints through partnerships with large platforms, in addition to their own channels. A financial industry official said, "Coupang is a platform with a large user base, so it is an attractive channel from a card company's perspective," adding, "Starting with KB Kookmin Card, other card companies may also review the possibility of partnering with Coupang."