Reflects comprehensive elements such as business operation history and business information
Strengthen risk management capabilities with in-house know-how
Kbank announced on April 29 that it has enhanced its Credit Scoring System (CSS) for small office/home office (SOHO) business owners by reflecting the changing business environment and customer characteristics and leveraging artificial intelligence (AI) technology to improve the efficiency of the analysis system.
The new system goes beyond the traditional evaluation method centered on personal credit information to comprehensively incorporate various elements such as business history, business information, transaction data, etc. This allows Kbank to update its evaluation framework in line with the evolving business environment.
Kbank explained that with this enhancement, it will be able to understand SOHO business owners in a more multifaceted manner, with their personal and business profiles linked, and will be able to respond flexibly to risks that fluctuate depending on economic trends and industry characteristics.
The data analysis system has also been technically improved. To increase the efficiency of large-scale data processing and repetitive analysis tasks, Kbank established an AI-automated process for analysis and review, enabling systematic model monitoring and optimization of operational strategies across model management.
Moreover, this advancement was carried out entirely in-house by Kbank’s own experts, from data analysis and framework revisions to operational strategy development, thereby internalizing risk management capabilities.
K-Bank expects that the strengthening of CSS will further strengthen the trend of strengthening the soundness of SOHO business loans. In fact, Kbank’s SOHO loan delinquency rate has improved significantly, dropping from 1.83% at the end of 2024 to 0.60% at the end of 2025.
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A K-Bank official said, “As SOHO financing integrates the characteristics of individuals and companies, an advanced credit evaluation system is essential.We will strengthen the soundness and competitiveness of SOHO financing by strengthening CSS using continuous data and AI.”
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