Startup Directory PDF

Contents
Introduction 11
Corporate information 23
1004Funding…………………………24 BluepanNet Inc.………………………55

12cm Corp.……………………………25 Bluevisor Inc.…………………………56
13mile Inc.……………………………26 BMI Tech………………………………57
2dpay……………………………………27 Bplus……………………………………58
2econsulting Inc.……………………28 BRANDOM……………………………59
500V……………………………………29 BRIDGE FUNDING……………………60
8BYTE, Inc.……………………………30 BrilliantTS………………………………61
Aijinet…………………………………31 BTWorks Inc.…………………………62
Aim………………………………………32 Buildonfunding………………………63
AIZEN Global…………………………33 C&TECH………………………………64
AJK………………………………………34 Certon Corp.…………………………65
AliveSoft………………………………35 Chain Partners Inc.……………………66
AndBeyond Capital Management Inc.……36 CMSOFT Co., Ltd.……………………67
Antock Co., Ltd.………………………37 Coinnest………………………………68
Assetplus………………………………38 Coinone…………………………………69
ATSOLUTIONS Co., Ltd.……………39 COINPIA………………………………70
BAROFUNDING………………………40 Coinplug Inc.…………………………71
Barunfintech…………………………41 COOCON………………………………72
Bellsoft Inc.……………………………42 Coop Marketing Corp.………………73
BenefitSocial…………………………43 Coopskorea Inc.………………………74
Beyondfund……………………………44 CrePASS Solutions……………………75
BF365…………………………………45 CrowdHoldings………………………76
BGF NETWORKS………………………46 C-So Platform…………………………77
BI Cube…………………………………47 d.LEMON Inc.…………………………78
Bigpiefunding …………………………48 Daily Funding…………………………79
BIGTREE Inc.……………………………49 Danal……………………………………80
Biz Works Co., Ltd……………………50 Daoomsoft……………………………81
Bizplay co., ltd.………………………51 DarcMatter……………………………82
BlockBank………………………………52 Data N Analytics………………………83
BlockchainOS Inc.……………………53 DATABANK SYSTEMS Corp.………84
BLOCKO Inc.…………………………54 DAYLI Financial Group………………85
DB CARD………………………………86 FUNDIAN…………………………… 121
December & Company Inc.…………87 Galaxiacommunications………… 122
DIREA Co., Ltd.………………………88 GCOD Innovation, Inc.…………… 123
Doomoolmori Inc.……………………89 Geo-Line Co., Ltd.………………… 124
DooRe…………………………………90 GLOSFER Co.……………………… 125
DoubleChain Inc.……………………91 GLUWA Inc.………………………… 126
Dream Pay……………………………92 Goodpay…………………………… 127
DSSolutions Inc.………………………93 Gyfunding………………………… 128
Easyfunding……………………………94 HABITFACTORY Co.……………… 129
Ebcard…………………………………95 HankookNFC……………………… 130
Edium…………………………………96 Hanpass……………………………… 131
Eight Percent…………………………97 Hansolsecure……………………… 132
Elefund…………………………………98 HAREX InfoTech INC.…………… 133
Emmental………………………………99 Hello Link…………………………… 134
Everfunding………………………… 100 Hellofunding……………………… 135
Everspin……………………………… 101 Honestfund.………………………… 136
EYL…………………………………… 102 IBK System Inc.…………………… 137
FABOT Inc.………………………… 103 ICB Co., Ltd.………………………… 138
Fast Call Inc.………………………… 104 Imcglobal Inc.……………………… 139
Fin2B Inc.…………………………… 105 INCUMONEY CO., LTD.………… 140
Finda Inc.…………………………… 106 Infinigru……………………………… 141
Fin-mart Inc.………………………… 107 INFINISOFT………………………… 142
FINNOS……………………………… 108 Infosonic…………………………… 143
Finnq Inc.…………………………… 109 InnoPalyLab………………………… 144
Finotek Inc.………………………… 110 Instapay……………………………… 145
Finshot Inc.………………………… 111 Intelliquant Co.…………………… 146
Finstreet……………………………… 112 IriTech………………………………… 147
FINTECHLAB………………………… 113 Irisys Co.,Ltd.……………………… 148
FlyHigh……………………………… 114 iRobo Co., Ltd.…………………… 149
Fount………………………………… 115 IVYSolutions………………………… 150
Fount AI…………………………… 116 JC1 Corporation…………………… 151
Fridayfunding……………………… 117 JTNet………………………………… 152
FUND ONLINE KOREA Inc.……… 118 Kakaopay…………………………… 153
FUNDA Inc.………………………… 119 KG Incis Co., LTD………………… 154
FUNDED Corp.…………………… 120 KG Mobilians……………………… 155
KIBNET……………………………… 156 Mouda……………………………… 191
KN company……………………… 157 NARAE S&C………………………… 192
Kocore Inc. ………………………… 158 Neuro Associates Co., Ltd.……… 193
Kona I Inc.…………………………… 159 NEWSY STOCK Inc.……………… 194
Korbit………………………………… 160 NEXTFUNDING…………………… 195
Korea Credit Data………………… 161 NHN KCP…………………………… 196
Korea Smart Authentication Corp.…… 162 NSBEYOND………………………… 197
Korea Smart ID Co., Ltd.………… 163 NuVent Inc.………………………… 198
KOREAFUNDING………………… 164 Octatco Co., Ltd.………………… 199
KROSS Inc.………………………… 165 OLLEYFUNDING Inc.……………… 200
KRPartners Inc.…………………… 166 Omninetworks…………………… 201
KTBSolution………………………… 167 Opentrade………………………… 202
Ladderfunding……………………… 168 Owin………………………………… 203
Lang Partners……………………… 169 Pass Sign…………………………… 204
Leevi………………………………… 170 PaxMone Inc.……………………… 205
Lending Science…………………… 171 Pay Gate…………………………… 206
Lending Talk………………………… 172 Pay’s service Korea Corp.………… 207
LENDIT Inc.………………………… 173 PAYCO……………………………… 208
L-Fin………………………………… 174 Paycock……………………………… 209
LG CNS……………………………… 175 PAYMINT Inc.……………………… 210
LIFE GUIDE Inc.…………………… 176 PayupCo., Ltd. …………………… 211
LINEWALKS Inc.…………………… 177 Penta Security System…………… 212
Loan Point…………………………… 178 Peoplefund………………………… 213
LOCKIN COMPANY……………… 179 PLATFOS…………………………… 214
M2Mcoding………………………… 180 Pocketfintech……………………… 215
Madup Inc.………………………… 181 Popcon Bankers…………………… 216
Makestar Inc.……………………… 182 Popfunding………………………… 217
Mannercar………………………… 183 POPPAY Inc.………………………… 218
Mibank……………………………… 184 Power voice………………………… 219
Midrate……………………………… 185 Pro:fit………………………………… 220
MOBITLE…………………………… 186 QARASoft, Inc.…………………… 221
MOIN, Inc.………………………… 187 Qraft Technologies……………… 222
MoneyBrain………………………… 188 Quarterback Investments……… 223
Moneytag Inc.……………………… 189 Quarterback Technologies……… 224
Mother Teran Inc.………………… 190 Rainist Inc.…………………………… 225
REAL FUNDING…………………… 226 THE CODER………………………… 261
Real Identity………………………… 227 The Loop…………………………… 262
Redvelvet Ventures……………… 228 The Pay Inc.………………………… 263
Rencar……………………………… 229 THECHEAT………………………… 264
Rich & Co. Inc.…………………… 230 TheZoneFund……………………… 265
Ripple4y Ltd.……………………… 231 Thinkpool Co., Ltd.……………… 266
Roof Funding……………………… 232 Tilon………………………………… 267
ROUM IT…………………………… 233 TITANINVEST……………………… 268
SBCN………………………………… 234 Tkon………………………………… 269
SBI Cosmoney……………………… 235 TMONET Inc.……………………… 270
Secureone…………………………… 236 TOGETHER APPS………………… 271
SendBird Co.……………………… 237 Tomato partner…………………… 272
Sentbe……………………………… 238 Tomato Pay Inc.…………………… 273
Settlebank…………………………… 239 Triggerpartners …………………… 274
SHINHUNG CO,. LTD.…………… 240 TriWorldHoldings Inc.…………… 275
Smart Fintech……………………… 241 T-square…………………………… 276
Smartcrowd ……………………… 242 TurnOn……………………………… 277
Smartforecast……………………… 243 Turtles Asset Investment Management…… 278
Smartro……………………………… 244 Twotonine………………………… 279
Sodifunding Inc.…………………… 245 UANGEL Inc.……………………… 280
SODIT Inc.…………………………… 246 Uberple, Inc………………………… 281
Solidware Inc.……………………… 247 Ucanstart…………………………… 282
Soundlly Inc.………………………… 248 UNIfunding………………………… 283
Srook………………………………… 249 Unius………………………………… 284
SSenStone Inc.……………………… 250 UP…………………………………… 285
Stocklink…………………………… 251 Villy…………………………………… 286
Streami……………………………… 252 Viva Republica Inc.……………… 287
Sunfunding………………………… 253 Voim Technologies Inc.…………… 288
Superstring………………………… 254 WADIZ……………………………… 289
SYSMETIC Inc.……………………… 255 WaldLust…………………………… 290
TA Networks………………………… 256 Webcash Corp.…………………… 291
Takit………………………………… 257 WEFUNDING……………………… 292
Tankerfund………………………… 258 WHO’S GOOD……………………… 293
TERA FINTECH Co.,Ltd.………… 259 Whooper…………………………… 294
The Bridge………………………… 260 Winningi Inc.……………………… 295
WION Inc.…………………………… 296 Zoniworks…………………………… 309
WireBarley Corp.………………… 297 Zoomfund………………………… 310
Wisdomain Inc.…………………… 298 Zoopiter……………………………… 311
Wisecare Corp.…………………… 299
WithFund…………………………… 300
World Funding…………………… 301
Xengineering……………………… 302
XENO SolutionCo.,Ltd.…………… 303
YAP…………………………………… 304
Yesstock Inc.………………………… 305
YINC………………………………… 306
Zcrowd……………………………… 307
ZikBank Inc.………………………… 308
Fintech support organization & Incubator 312

index
1. Blockchain/Cryptocurrency YINC 306 Midrate 185
AJK 34 Zcrowd 307 Mouda 191
BGF NETWORKS 46 3. P2P Finance NEXTFUNDING 195
BlockBank 52 BAROFUNDING 40 OLLEYFUNDING Inc. 200
BlockchainOS Inc. 53 Barunfintech 41 Peoplefund 213
BLOCKO Inc. 54 BenefitSocial 43 Pocketfintech 215
Certon Corp. 65 Beyondfund 44 Popfunding 217
Chain Partners Inc. 66 BF365 45 Pro:fit 220
Coinnest 68 Bigpiefunding 48 REAL FUNDING 226
Coinone 69 Bplus 58 Roof Funding 232
COINPIA 70 BRIDGE FUNDING 60 Smart Fintech 241
DoubleChain Inc. 91 Buildonfunding 63 Smartcrowd 242
GLOSFER Co. 125 C-So Platform 77 SODIT Inc. 246
Imcglobal Inc. 139 Daily Funding 79 Sunfunding 253
Korbit 160 Easyfunding 94 Tankerfund 258
MOIN, Inc. 187 Edium 96 TITANINVEST 268
Ripple4y Ltd. 231 Eight Percent 97 TOGETHER APPS 271
Streami 252 Elefund 98 Triggerpartners 274
The Loop 262 Everfunding 100 UNIfunding 283
Tilon 267 Finstreet 112 Unius 284
Zoniworks 309 Fridayfunding 117 Villy 286
2. Crowd Funding FUNDA Inc. 119 WEFUNDING 292
1004Funding 24 FUNDED Corp. 120 World Funding 301
AliveSoft 35 Goodpay 127 Zoomfund 310
FUNDIAN 121 Gyfunding 128 4. Remittance (Overseas)
INCUMONEY CO., LTD. 140 Hellofunding 135 Bellsoft Inc. 42

Loan Point 178 Honestfund. 136 BluepanNet Inc. 55
Makestar Inc. 182 KOREAFUNDING 164 Finshot Inc. 111
Opentrade 202 KROSS Inc. 165 Hanpass 131
Sodifunding Inc. 245 Ladderfunding 168 SBI Cosmoney 235
The Bridge 260 Lang Partners 169 Sentbe 238
TheZoneFund 265 Lending Science 171 5. FInance Platform
Ucanstart 282 Lending Talk 172 2econsulting Inc. 28

WADIZ 289 LENDIT Inc. 173 Aijinet 31
index
Bizplay co., ltd. 51 TA Networks 256 Wisdomain Inc. 298
BRANDOM 59 TERA FINTECH Co.,Ltd. 259 Yesstock Inc. 305
BrilliantTS 61 T-square 276 7. Security/Authentication
Coinplug Inc. 71 UANGEL Inc. 280 8BYTE, Inc. 30

COOCON 72 WaldLust 290 ATSOLUTIONS Co., Ltd. 39
CrePASS Solutions 75 Webcash Corp. 291 BMI Tech 57
Daoomsoft 81 6. Robo-Advisor/Asset Management BTWorks Inc. 62
DarcMatter 82 Aim 32 DB CARD 86
DATABANK SYSTEMS Corp. 84 AIZEN Global 33 Everspin 101
DAYLI Financial Group 85 AndBeyond Capital Management Inc. 36 EYL 102
DSSolutions Inc. 93 Antock Co., Ltd. 37 FlyHigh 114
Fin2B Inc. 105 Assetplus 38 GCOD Innovation, Inc. 123
Finda Inc. 106 BIGTREE Inc. 49 HankookNFC 130
Fin-mart Inc. 107 Bluevisor Inc. 56 Infinigru 141
Finotek Inc. 110 Data N Analytics 83 IreiTech 147
FUND ONLINE KOREA Inc. 118 December & Company Inc. 87 Irisys Co.,Ltd. 148
Galaxiacommunications 122 Doomoolmori Inc. 89 Korea Smart Authentication Corp. 162
Hansolsecure 132 FABOT Inc. 103 Korea Smart ID Co., Ltd. 163
Hello Link 134 FINTECHLAB 113 KTBSolution 167
IBK System Inc. 137 Fount 115 L-Fin 174
Kona I Inc. 159 Intelliquant Co. 146 LOCKIN COMPANY 179
Korea Credit Data 161 iRobo Co., Ltd. 149 NSBEYOND 197
LG CNS 175 LIFE GUIDE Inc. 176 Octatco Co., Ltd. 199
M2Mcoding 180 MoneyBrain 188 Pass Sign 204
Madup Inc. 181 NEWSY STOCK Inc. 194 PAYMINT Inc. 210
Mannercar 183 QARASoft, Inc. 221 Penta Security System 212
Mibank 184 Qraft Technologies 222 Power voice 219
NARAE S&C 192 Quarterback Investments 223 Real Identity 227
Owin 203 Rainist Inc. 225 ROUM IT 233
Popcon Bankers 216 SBCN 234 Secureone 236
Quarterback Technologies 224 SHINHUNG CO,. LTD. 240 SSenStone Inc. 250
Stocklink 251 Thinkpool Co., Ltd. 266 THECHEAT 264
Superstring 254 Turtles Asset Investment Management 278 Voim Technologies Inc. 288
SYSMETIC Inc. 255 Twotonine 279 Winningi Inc. 295
index
XENO SolutionCo.,Ltd. 303 Pay Gate 206 HABITFACTORY Co. 129
8. Payment/Settlement Pay’s service Korea Corp. 207 InnoPalyLab 144
12cm Corp. 25 PAYCO 208 JC1 Corporation 151
13mile Inc. 26 Paycock 209 KN company 157
2dpay 27 PayupCo., Ltd. 211 Kocore Inc. 158
Biz Works Co., Ltd 50 POPPAY Inc. 218 Leevi 170
Coop Marketing Corp. 73 Settlebank 239 LINEWALKS Inc. 177
Coopskorea Inc. 74 Smartro 244 MOBITLE 186
Danal 80 Soundlly Inc. 248 Neuro Associates Co., Ltd. 193
DIREA Co., Ltd. 88 Srook 249 PLATFOS 214
Dream Pay 92 The Pay Inc. 263 Redvelvet Ventures 228
Ebcard 95 Tkon 269 Rencar 229
FINNOS 108 TMONET Inc. 270 Rich & Co. Inc. 230
Finnq Inc. 109 Tomato Pay Inc. 273 SendBird Co. 237
Geo-Line Co., Ltd. 124 UP 285 Smartforecast 243
GLUWA Inc. 126 Viva Republica Inc. 287 Solidware Inc. 247
HAREX InfoTech INC. 133 Whooper 294 Takit 257
ICB Co., Ltd. 138 WION Inc. 296 THE CODER 261
INFINISOFT 142 WireBarley Corp. 297 Tomato partner 272
Infosonic 143 Wisecare Corp. 299 TriWorldHoldings Inc. 275
Instapay 145 WithFund 300 TurnOn 277
IVYSolutions 150 Xengineering 302 Uberple, Inc 281
JTNet 152 ZikBank Inc. 308 WHO’S GOOD 293
Kakaopay 153 9. Others YAP 304
KG Incis Co., LTD 154 500V 29 Zoopiter 311
KG Mobilians 155 BI Cube 47
KIBNET 156 C&TECH 64
KRPartners Inc. 166 CMSOFT Co., Ltd. 67
Moneytag Inc. 189 CrowdHoldings 76
Mother Teran Inc. 190 d.LEMON Inc. 78
NHN KCP 196 DooRe 90
NuVent Inc. 198 Emmental 99
Omninetworks 201 Fast Call Inc. 104
PaxMone Inc. 205 Fount AI 116
introduction
KOREA FINTECH INDUSTRY STATUS
1. Trend of KOREA Fin-tech Industry
(1) The development of Fin-tech industry

After global financial crisis in 2008, Fin-tech has risen to be the hottest topic in financial
industry since profitability and credibility of existing financial institutions had dropped
and people started to look for alternative solutions. Fin-tech has been developed from
England, then it spread out and is growing rapidly in U.S., Europe, and other nations
globally.
Fin-tech industry provides financial services utilizing ICT technology from IT companies
and non-financial corporations, converting a paradigm from a perspective of financial
institutions to that of customers. It creates added values to our society by providing more
customer convenience experience and customer financial benefits.
Fin-tech business expanded from payment/settlement sector to crowd-funding, P2P

finance, asset management, overseas remittance, and block-chain based cryptocurrency &
overseas remittance. Recently, businesses in insur-tech (insurance + technology) and Reg-
tech (compliance & regulation + tecnnology) are rapidly growing.
It is estimated to be in year of 2015 when the domestic Fin-tech industry has developed.
Corporations from IT services, communications, and open market started to apply
ICT technology to provide a simple payment service, along with remittance and asset
management services.
As the Korean government carried out a policy in revitalization of Fin-tech industry along
with mitigation of regulation, number of Fin-tech companies are steadily increasing. The
number of member companies listed in Korea Fintech Industry Association increased from
107 companies in 2016 to 210 companies by end of 2017. Also, number of registered
companies as electronic financial business operator in Korea Financial Services Commission
increased from 60 companies in 2011 to 103 companies in January 2018.
It is difficult to define or categorize whether a company is a Fin-tech company due to

varying definitions and standards. However, researching on domestic Fin-tech companies
through Fin-tech related associations and organizations as well as financial institutions, we
are able to conclude that there are about 300 or so Fin-tech companies as of end of 2017.
The domestic Fin-tech companies account for 18% from payment sector, and 17.6%
from settlement sector, which are top two ranked categories. As recently, a barrier
amongst Fin-tech companies is becoming blurred and there are more companies merging
remittance, asset management, P2P finance, and digital currency services into one service.
2017 Korea Fintech Company Handbook 13

(2) The trend of Fin-tech industry by field
A. Payment/Settlement
The most common and known Fin-tech service is a simple payment service, often called “XX
Pay,” and it allows financial transactions online or offline quickly within 2-3 steps by storing
credit cards or accounts information into simple payment system. Fin-tech companies in
payment and settlement sector usually stand in for the role of VAN companies to lower
commissions, or provide services upon affiliations with telecommunication equipment
manufactures.
While Paypal, AliPay and others lead the market with its convenience, domestic market
started by Kakao Pay launched in September 2014, followed by SamsungPay, NaverPay,
handset manufacturers, major portal service providers, communication service providers,
and payment agencies (PG). According to a data researched by Financial Services
Commission, as of March 2017, there are total 160 related companies (76 payment
agencies, 32 payment deposit companies, 35 electronic advanced payment companies, 9
electronic payment notification companies, and 12 electronic debit payment companies).
The most famous and noted service recently in payment/settlement sector is Viva Republica
(a service called TOSS), which first introduced a remittance service without any certificate
using only mobile phone number in 2015 and is growing exponentially. Viva Republica
was ranked 35th in “Top 100 World Fin-tech Companies” for the first time in Korea by
KPMG and H2 Ventures.
Recent activities by Korea government’s policy amendments to abolish public certificates

and OPT mandatory usage is causing a significant impact on general Fin-tech industry,
but there are still many financial regulations complying with offline-centered financial
environment such as person to person and paper authentication certificate requirements
that still need to be reviewed and improved.
In addition, PSD2 (Payment Service Directive 2) offered in EU since January this year
expressly stipulates that a bank shall be required to mandatorily provide financial
information of customer to a third party( including a Fin-tech company or other financial
institutions), if a customer agrees. This global movement leaves many meanings to Korea
market to open more domestic financial environment.
The representative companies in the field of payment/settlement include NHNKCP, Viva

Republica, UBpay, Kona I, Paymint, Paycock and Korea NFC (in alphabetical order).
B. Crowd Funding
Crowd Funding, which means a funding, including business funds, from unspecified
investors (crowd) online, and is mainly divided into the loan-type, the sponsorship-type,
the donation-type, and the securities-type.
14
Financially advanced countries such as U.S., England, and Japan, have institutionalized
securities-type crowd funding in purpose of invigoration of start-up business support and
in Korea, securities-type crowd funding was initiated in January 2016 through revision in
Capital Market Acts. During first year in 2016, 115 cases were successful with investment
amount of 17.4 billion Won, and in 2017, 183 cases reported successful with investment
amount of 27.8 billion Won respectively. It is growing rapidly as a mean of financing new
start-ups.
The revision of Capital Market Act was enforced on October 2017, which relaxed
regulations on Crowd Funding, and it allowed the limit on investment from personal
investors to increase from 5 million Won to 10 million Won per annum and the limit on
investment of specific corporates to increase from 2 million Won to 5 million Won. Also,
Crowd Funding brokers and businesses were allowed to promote fund raising through
their company websites as well as portal sites, and the monopoly restriction period was
shortened from 1 year into 6 months.
The representative companies in the field of Crowd Funding include Wadiz (Brokerage), Y
Crowd Funding, UCanStart, Ian Investment, YINC, Funding 4U, IBK Investment Securities
(Securities Company), KTB Investment & Securities, Woori Investment Bank, Eugene
Investment ＆ Securities Co., Ltd., Korea Asset and Kiwoom Securities (in alphabetical
order).
Success Cases and Amount Issued in Crowd Funding Success Cases of Crowd Funding by the size
(Unit : hundred million KRW) (Unit : hundred million KRW)

Success (case) Amount issued
300
278
90
81
250 80 74 75
70
200 183
60
174
150 50
115 38
40
100
30
20
50 13
10 7
0 0
2016 2017 0~0.5 0.5~1 1~2 2~3 3~4 4~5
Source : Financial Services Commission (01.2018) Source : Financial Services Commission (01.2018) Excluding SPC

C. P2P Finance
P2P finance is considered to be one of the most fast growing Fin-tech categories globally,
centered around online digital platforms, utilizing big data based risk assessment system
and large scale fund raising and management balance system, focusing on direct matching
system between loans and investments.
Global P2P finance market is steeply increasing by 45% a year, led by U.S. and China
market, and 11 out of top 25 companies of Global Fin-tech Unicorn Companies in 2016
were P2P finance companies. Also, P2P finance companies comprise of half of top 12
enterprise valued companies in US Fin-tech companies.
Korea is showing similar growth compared to global P2P finance market. Started with
Money Auction service in 2006, domestic P2P finance market began to grow under the
low interest rate era after global financial crisis in 2008. According to registered members
in Korea P2P Finance Association as of late January 2018, 64 companies currently provide
P2P finance services and their accumulated loans amount reaches 1,936.6 billion Won,
which is 10 times more than 152.6 billion Won on June 2016.
Trend of total amount in P2P Finance
(Unit : hundred million KRW)

19,366
20,000
18,034
15,722
15,000
13,291
11,630
10,000 8,680
6,276
4,683
5,000 3,394
2,266
1,526
0
06/2016 01/2017 07/2017 01/2018
Source : Korea P2P Financial Association
In era of 1% or so low interest rate, P2P finance satisfy both investors with comparably
high investment return rate and borrowers with comparably lower interest rate.
Meanwhile, it is suggested that the growth of P2P finance sector may become stagnant
due to regulations including restrictions and limits of investments listed in P2P Loan
Guideline released in February 2017 and absence of any legal system tailored to
characteristics of P2P finance.
16
The representative companies in the field of P2P finance include Eight Percent, Midrate,
Lendit, Roof Funding, Villy, Honest Fund, Korea Funding, Tera Funding, Together Funding,
Pop Funding and People Fund (in alphabetical order).
D. Block-chain/ Digital Curency

Block-chain is a technology that unlike common centralized data system, ensures data
integrity and reliability without a third party verification to verify, record, and save data
jointly within a network, and it is being applied to various industries including finance
industry.
Block-chain technology was first known as a basic technique of digital currency such as
bit-coin in financial market. Currently, there are approximately 1,000 cryptocurrencies
registered in exchanges and domestic transaction volume has sharply grown in 2017 after
high social concerns on digital currency had been introduced via media. However, due to
hacking incidents, market speculation, and illegal transactions, Korea government and its
agencies are currently discussing on regulations.
Overseas block-chain technology based companies are moving rapidly to apply its
technology to provide various services including a digital currency. US Nasdaq applied
block-chain technology in OTC stock market in 2015 to attract global attention. European
markets and Japanese market are actively engaged in various fields such as loan & crowd
funding, trade finance, notarization, voting, distribution, medical service, and energy
industry.
In Korea, various block chain cases have been uncovered through the 2017 block-chain
pilot project of government (including the one-stop automation of insurance claim, the
virtual currency service in universities, the identification of fire source related to electric
fires and the establishment of P2P power trading platform for households). Also, financial
investment companies have launched joint authentication services based on the block-
chain. In 2018, this trend will be accelerated by the large-scale pilot project by government
to revitalize the use of block-chain technologies for each industry sector and the
establishment of research center for block-chain research by universities.
In addition, approaches to build a block-chain ecosystem are on the process through

the joint research and exchange among related industries. Notably, there are ‘R3 CEV,’
consisted of global 45 banks, and ‘Hyperledger,’ led by Linux Foundation. In Korea, there
is Block-chain consortium for banking and financial sectors. For ICT, there is block-chain
open forum, consisted of global corporations, portal engine companies, public agencies,
and academics with linkage of industry-academia.
The representative companies in the field of block-chain and digital currency include
Glosfer, Gluwa Inc., The Loop, Double Chain, Moin, Blocko, Streami, Coinone and Korbit (in
alphabetical order).

E. Robo-advisor/Asset Management
As interests in financial A.I. and development of Fin-tech are growing in the Fourth
Industrial Revolution, services in robo-advisory and asset management are expanding
amongst 30-40 years old target group who favors IT through the growth of algorithm
management strategy using big data analysis technology.
Whereas traditional asset management focuses on private banking for the wealthy in
financial industry, robo-advisor/asset management using ICT technology focuses on
customized asset management service even for small capitals.
More investors are paying attention to Robo-advisor due to popularity for the public for
easy approach, realization of lower charges with Fin-tech technology, excellent accessibility
via website and mobile devices, and transparency based on algorithm based management.
The number of domestic robo-advisor companies has increased from 6 companies in 2016
to 20 companies as of January 2018 and it was possible due to direct and indirect support
from launching of ISA (Individual Savings Account), promotions of financial product
advisors and operation of robo-advisor test bed.
Especially, the market is expected to increase significantly in the second half of 2018.
Although many pointed out that the prohibition of non-face-to-face discretionary
investment contracts online might have been a main reason to withhold expansion of
robo-advisor service, the government revised the enforcement ordinance of Capital Market
Act in the second half of 2018 and announced that policy will be allowed for those which
passes robo-advisor test bed.
Moreover, like Mint and Credit Karma which provide digital asset management service
based on data analysis of users expense details and consumption patterns, many similar
digital asset management service providing companies have been established since 2012.
Specifically, a digital asset management service are linked real time to users’ financial
institutions to inquire, monitor, search, and apply data to automatically manage expenses.
It allows to provide integrated management of all financial products and credit scores,
and customized recommendation of financial products based on data, replacing current
offline services rapidly. A variety of personal expenditure data and financial data acquired
in process of asset management service is considered to create even more various and
innovative Fin-tech services.
The representative companies in the field of robo-advisor and asset management include
Newsy Stock, December & Company Inc., Rainist, Rich & Co., SBCN, Quarterback Group,
and Fount (in alphabetical order).
18
F. Overseas Remittance
The latch of overseas remittance, one of the representative businesses only available to
financial industry, has been unlocked. By the revision of Foreign Exchange Transactions
Act on July 2017, the government has allowed overseas remittance up to 20,000 USD per
person annually to be permitted via Fin-tech companies or non-financial companies.
Fin-tech companies provide overseas remittance services with more reasonable fees
through netting, pooling, free-funding, and pairing methods based on block-chain
technologies. As a result, commercial banks as well as internet banks have entered into
competition through diversification of overseas remittance service and discounts on fees.
Even though it has been about or more 6 months into the revision of Act on remittance,
there are still a high barrier of minimum capital, strict obligation duties of anti-money
laundering, and unclear guideline of regulations that slow down the industry in overall.
Total 30 companies had applied to do business in overseas remittance as of January 2018,
and only 14 companies have been approved. In fact, the industry affiliates claim that
uncertain position from the government still remains on the table and it is problematic for
block-chain based digital currency companies and overseas remittance companies.
The representative companies in the field of overseas remittance include

Galaxiacommunications, Moin, Bellsoft, Sentbe, G Money Trans, Finshot, Finger, and
Hanpass (in alphabetical order).
G. Financial Platform
As Fin-tech industry is gradually growing, there are also increasingly more Fin-tech
companies that provide financial date, Fin-tech solutions, and Fin-tech infrastructure
services as their main business. In 2018, the market of financials and Fin-tech SI is
expected to reach 900 billion won market. In particular, there will be intense competition
among Fin-tech companies utilizing A.I., cloud, and bock-chian technologies in preparation
for the Fourth Industrial Revolution.
In this year, the financial industry and the Fin-tech industry will carry forward
various businesses based on new IT technologies, such as RegTech and block-chain
commercialization experiment; thus, it seems likely that the risk management and
regulatory management solution to meet the requirement of global compliance, which
has recently expanded, are needed further.
In 2017, SW vendors specialized in providing various business information necessary for

Fin-tech services quickly and easily have launched and provide the information of 500
domestic financial institutions and 1,400 overseas ones through API.
The representative companies in the field of financial paltform include Madup, Webcash,
Uangel, Finotek, and Cococon (in alphabetical order).

H. Security/Authentication
Recently, Fin-tech services and non-face-to-face transactions have been increasing, and
various Fin-tech security/authentication technologies are attracting more attention. The
Fin-tech security/authentication technology is largely divided into the self-authentication
type and the service security of business.
FIDO (Fast Identity Online) authentication technology, which is currently attracting more
attention, is a technology suitable for the simple payment, which meets the needs of
convenience and security by applying authentication technologies (such as the fingerprint
recognition, the pattern and the USIM-based authentication) to mobile devices online.
Also, it is widely used by global IT companies (including Microsoft, Apple, Google,
Samsung, Paypal, telecommunications and payment companies).
Also, FDS (Fraud Detection System) is one of the most notable technologies. It is designed
to fundamentally block offenses, which obtain money or financial benefits through
deception or fraud, (for example, voice phishing) by detecting any anomalous behavior.
In recent years, the development of block-chain technology results in the security/
authentication technology using public ledgers.
The representative companies in the field of security/authentication include SsenStone,

Secureone, Atsolutions, KTBSolution, KRPartners, and PentaSecurity (in alphabetical order).
I. Others
① InsurTech
So far, InsurTech has been considered to be one of the slowest growing fields in financial
industry. However, as the Fin-tech brings a revolutionary changes in banking, securities,
and asset management fields, InsurTech is now leading Fin-tech business with new
changes.
The field of insurance has applied less IT technologies than other financial industries
because it was highly dependent on the ability of actuaries and designers in the offline
environment. However, the insurance industry is faced with a situation due to rapidly
developing digital environment that it has to create profits and new values accordingly.
Above all, it has become possible to understand and predict the behavior of potential
insurance consumers effectively from external data such as social media, it is now easier
to attract new consumers through omni-channel methods. In developing insurance
products, it is feasible to diversify risk calculation techniques, develop customized products
using internal and external data, and improve the cost efficiency through automated
underwriting system.
20
In particular, the frequency of use for such systems in simplified products such as long
term insurance or simplified insurance assessment service that has a low entry for
subscription has noticeably risen. One can easily increase the accuracy of risk prediction by
consolidating information provided by insurance subscribers and big data.
As mentioned above, InsurTech attracts many attentions in that it is likely to bring about
technology innovations in various areas such as attracting new clients, calculating risks,
insurance assessment & payment IoT, sensors, location services, big data, A.I., and
healthcare
Particularly, InsurTech researches have been very active in overseas. The global investment
for InsurTech venture steeply increased from $261.5 million in 20123 to $1.927 billion
in 2016. Recently, global ICT companies like Google, Alibaba, and Tencent, have started
investing in this field and seek to enter the market. In Korea, there is a growing consensus
that the change into InsurTech is not an option but necessity and thus expectation of
upcoming change and growth of this market is very high.
② RegTech
Financial industry is known to be one of the most regulated industries. Therefore,
compliance abidance is also integral part of Fin-tech indsutry.
RegTech is a combination of regulation and technology, which helps to reduce compliance

costs resulted from the reinforcement of regulation and improves work efficiency by
applying innovative technologies such as A.I., block-chain technologies, and big data.
In accordance with the trend of strengthened financial regulation, Korea Financial

Intelligence Unit is preparing to apply the anti-money laundering duty to electronic financial
service providers in 2018. Once it is applied, electronic financial providers should report
the transactions of suspected client and keep his/her relevant records. It is considered to
be one of the most important measures facing the domestic financial industry and Fin-
tech industry; therefore, RegTech is being recognized as the most efficient compliance
alternative for Fin-tech companies. The World Economic Forum (WEF) predicted in 2015
that 30% of the global financial institutions will adopt an A.I.-based compliance system by
2025.
③ The analysis of fintech big data

It is known that more than 50% of data generated by digital devices accounts for financial
industry in developed countries. Nowadays, we live in an era where various consumer
behavioral analysis information and big data itself become an enterprise asset or a new
growth engine.

Financial companies and Fin-tech companies are utilizing big data for products
development, fraud prevention, credit evaluation, customer management system, and etc.
Fin-tech companies mainly develop new products based on information collected through
customer information, SNS, and other means, prevent wrongdoing such as insurance
fraud, credit card skimming, or legal malpractice by an employee from various data, and
improve accuracy of screening for loans and issuing of cards.
2. Prospect of KOREA Fin-tech Industry

The year of 2018 is very important period for the growth of domestic Fin-tech industry.
It is expected that the following elements will contribute significantly to the innovative and
revolutionary developments in Fin-tech industry; continuous relaxation of entry barrier for
the financial industry and the liberalization of various financial regulations, conversion of
regulation paradigm from the positive to the negative, enforcement of financial regulatory
testbed through the enactment of financial innovation special law, and discussion about
applications of personal information.
Along with above elements, various support programs (Expansion of training programs for
Fin-tech and block-chain specialists, support programs of profitability and security for Fin-
tech companies, and the large scale pilot projects in Fin-tech & block-chain industry) are
being actively promoted by the government.
The Fin-tech industry is expected to transform the whole economy into the cash-free
society. It is anticipated that following positive effects will take place if there is no physical
cash in society. Firstly, there is an increase of social safety against the theft and the loss.
Secondly, there is improvement of transparency in economy through the prevention of tax
evasion. Lastly, there is a decrease of annual issuing cost, amounting to 130 billion won.
Fin-tech industry is expected to have impact on privacy agreement and employment

as well. The initiative of financial transactions previously held by traditional financial
institutions will be transferred to financial service consumers. As the structure of business
transactions has been changed after the introduction and commercialization of internet
into direct transactions between producers and consumers, the role of financial institutions
as intermediary will be greatly diminished.
According to the data released by the Ministry of Employment and Labor and the Korean
Economic Association in 2016, if the government continues to relax regulations and
reinforces entrepreneurial support, the increase of Fin-tech start-ups and new hires
through M&A between industries is expected to be maximum of 88,000 jobs by year
2030.
22
Company
Introduction
1004Funding
Representative Shin Song-woon Incorporation Date Nov 9th, 2015
Location 309, Gangnam-daero, Seocho-gu, Seoul, Republic of Korea (Room No. 817, Korea Business Center)
Web Page www.1004funding.com E-mail admin@1004funding.com Contact +82-1588-6023
Enquiry Contact +82-2-6275-1024 Enquiry E-mail info@yinc.kr
Number of Employees - Starting Capital -
Electronic Commerce/ Form of

Main Service Fintech Area Crowd Funding B2B/B2C
Financial Information Service Business
Introduction
1004 Funding is a company that links loan and investment while operating a P2P funding platform. It consists of experts
from banks, brokerage firms, comprehensive financial companies, and lenders, and specialists from each sector of the
banking industry gather to provide transparent and warm financial services. It aims to lead the P2P funding market
by meeting the needs of various customers through know-how built up until now. 1004 Funding first started offline
service in 2007, and it began to offer loan-based investment products and P2P products that use individuals' securities as
collateral values in accordance with the 2015 Crowd Funding Act. In cooperation with a law firm, a law firm or a bank,
it has secured a system to secure credibility in the course of financial transactions and to establish credibility between
borrowers and investors using NICE credit rating.
History
Nov 2015. ‌The establishment of 1004 Funding
Nov 2015. ‌The operation of P2P financial service platform
Dec 2015. ‌The conclusion of affiliation with investment technique and financial information online website
May 2016. ‌The conclusion of MOU agreement with Chambut Law Firm and Dasan Law Firm
Nov 2016. ‌The conclusion of MOU agreement with Woojin INP
Nov 2016. ‌The conclusion of MOU agreement with VoiceStar
Main Products and Services

1004 Funding, with experiences in the financial industry, offers a high level of financial services to its customers. The
main investment service is a 1004 project. The 1004 project operates a mortgage loan to secure the stability of the
investment, and it is evaluated as a secured form of loan by using the securities, real estate, auto, and stock of the
company as collateral assets. The investment (loan) period is characterized by a short period, so that the period can be
diversified. Another service is a 1004 loan. The 1004 loan is an online loan service that provides investors with principal
and interest on a platform by collecting a small amount of funds from a large number of investors to execute and repay
the loan. Recently, CMS service contract was signed with Settle Bank to improve the convenience of online fund deposit
management service, thereby enhancing convenience and safety of financial investment and payment of profits.
Affiliated Organization
-Korea : ‌Settlebank(Virtual Account), Korea Asset Management Institute(Real Estate) and iM CEO(Startup Portal)
24
12cm Corp.
Representative Han Jung-gyun Incorporation Date Mar 8th, 2013
Location 35, Pangyo-ro 255beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do (Room No. 501, Tower A, Silicon Park)
Web Page www.12cm.co.kr E-mail service@12cm. co.kr Contact +82-1522-9185
Enquiry Contact +82-10-5210-1289 Enquiry E-mail jhlee@12cm.co.kr
Number of Employees 56 Starting Capital 200,000,000 Won
Form of
Main Service O2O and Payment Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
12cm is a startup company offering various payment services using its own patented techonology.
12cm provides services to 18 countries in the world based on the smart stamp original technology, and is expanding into
the payment Fin-tech industry.
It has 287 cases of patent application and 84 cases of patent registration.
It has launched global branches in Japan and China and it is expanding its global position.
After it has attracted 2 billion won from Capstone partners in 2014, it also acquired second investment from Capstone
partners and Korea Development Bank.
History
2013. The foundation of 12cm Corp.
2014. The 1st investment attraction (2 billion won from Capstone Partners)
2015. The 2nd investment attraction (Capstone Partners, Development Bank, Aju IB Investment, Suprema Investment).
The foundation of Japanese subsidiary ‘12CM Japan’. The foundation of Japanese JV ‘12CM Mobile’. The
foundation of JV with Taiwan Ortiga Group
2016. The foundation of 12CM China. The conclusion of strategic business cooperation agreement with the Alipay. The
foundation of 12CM Global. The 3rd investment attraction (Focused on the existing investor)

12cm is a technology company that introduces various expansion services using smart stamp technology.
12cm has launched 'Echoss' service which takes a picture on a smart phone. It is a digitalization of the painting, and
various mobile services such as settlement, accumulation, and coupon generation are provided when it is taken directly
on the smartphone.
Echoss Platform consists of three components: a physical stamp for the site, an authentication center, and an information
center. In Echoss stamp, information is input through the touch screen of the smart phone and the application or mobile
web service is applied.
The geometric shape and the configuration method of the multi-touch point registered in the Echoss stamp are input
through the touch screen of the smartphone, and the information specific to the stamp is authenticated. The Echoss-
certification center is a crowd service that authenticates the unique information of the Echoss stamp that is input through
the touch screen of the smartphone in real time. The Echoss Information Center performs robust security and fraud
prevention monitoring functions. 12cm is introducing a variety of business models in Korea such as marketing services
targeted at stores and payment/settlement services. It currently provides its service with cooperation with Samsung
Electronics, and SK Broadband, and is expanding its services in Japan and China.
-Korea : ‌SK planet(telecommunication), Ticket Monster(social commerce), Korea Post(public institution), Lotte Duty Free
shop(duty free shop), Shinsegae duty free shop(duty free shop) and Gangwon provincial office(government
institution)
-Foreign Countries : ‌NEC(IT solution), Tencent(game, online advertising), NAVYZEBRA(business solution) and Treepay
(electronic payment)

13mile Inc.
Representative Jeon Jong-Doo Incorporation Date Aug 1st, 2014
Location Room No. 100, 8, Teheran-ro 8-gil, Gangnam-gu, Seoul, Republic of Korea (Hongeun Building, Yeoksam-dong)
Web Page www.13mile.co.kr E-mail 13mile@13mile.co.kr Contact +82-70-7436-1101
Enquiry Contact +82-10-9719-1727 Enquiry E-mail ychlee@13mile.co.kr
Number of Employees 15 Starting Capital 1,110,000,000 Won
Simple Payment Service Form of

Main Service through Android Tablet Fintech Area Payment/Settlement B2C
NEXT-M Business
Introduction
13mile is the company supplying ‘NextM’, a reasonably priced integrative payment terminal for small business with
benefits of mobile easy-payment service.
By offering entirely offline payment methods including different mobile payment services through one payment terminal,
13mile aims to maximizing convenience of users in offline payment system.
History
Aug 2014. Establishment of 13mile Inc
Jun 2015. Cooperation Contract of Appcard with Korea Information & Communication Co., Ltd., Bank Wallet and
KAKAO.
Nov 2015. Cooperation Contract of Online Sales Agency with KaKao Pay
Mar 2016. Cooperation Contract of Offline Payment Service with Wechat Pay
Dec 2016. Opening of Ali Pay and Tax Refund Service
Mar 2017. Cooperation Contract of Offline Connection Service with SSG PAY
Jun 2017. Release of NEXT-M All-In-One integrative terminal

13 Mile Inc. provides payment services through the mobile payment terminal called Next-M. NeXT M service expands the
simple payment service into any offline branch to provide the services optimized for the payment system. Its integrated
payment services will be offered by one Next M terminal. Also, it supports representative mobile payment services: any
real card as well as App Card, Shinsegae Pay, Wechat Pay, and Ali Pay. Barcode payment and QR code payment are
characterized by higher recognition and quick settlement with its own camera developed for code recognition. Especially,
the NFC payment provides the payment method using USIM. To enhance the convenience of payment, Next M supports
various functions customized to the types of businesses and grants many options. NeXT M helps many offline stores
to bring new customers by giving new value. Besides, it will be expanded into various additional services, including the
instant repayment using any camera, the post-repayment and the medical repayment service.
-Korea : ‌KAKAO (IT Company), Korea Information & Communication Co., Ltd. (IT Company), Korea Financial
Telecommunications and Clearings Institute (Special Financial Corporation), KRP (Foreign Payment Service), LG
CNS (IT Solution), KAKAO PAY (Simple Remittance / Payment), BANK WALLET (Simple Remittance / Payment)
and SSG PAY (Simple Remittance / Payment)
-Foreign Countries : ‌We Chat Pay (Simple Remittance / Payment) and Ali Pay (Simple Remittance / Payment)
26
2dpay
Representative Kim Hyang-soo Incorporation Date Apr 12th, 2016
Location 27-11, Gangnam-daero 94-gil, Gangnam-gu, Seoul, Republic of Korea (3F)
Web Page www.2dpay.co.kr E-mail 2dpay@naver.com Contact +82-1544-3677
Enquiry Contact +82-1544-3677 Enquiry E-mail 2dpay@naver.com
Form of
Main Service 2DPay, NFC Fintech Area Payment/Settlement B2C
Business
Introduction
2DM is an application software development start-up.
Founded in 2016, 2DM introduced 2DPAY, a simple payment application that is easy to use for both merchants and
customers. 2DPAY is a billing system in which a customer places a tag on a table in a restaurant, a café, etc., and the
customer touches the tag on the smartphone, views the screen, and executes the order from order to payment. 2DPAY is
growing into a solution that meets the desire of many business owners to have strengths unique to their own stores and
to build systems to help them operate their stores. Two patents on the system have also been filed and registered.
History
Apr 2016. The foundation of 2dpay
May 2016. The conclusion of agreement with Daou Data
Jun 2016. The conclusion of a payment system agreement with LG U+
Jun 2017. The conclusion of MOU agreement with Korean Optometric Association
Jan 2017. The conclusion of cooperation agreement with Moa App and business agreement with J Joy Corp.
Apr 2017. The conclusion of MOU agreement with WithMeCompany
Aug 2017. The full-scale service launching of a mobile simple payment system '2DPAY'

2DM has a payment service called 2DPAY.
2DPAY is a mobile easy payment solution using NFC and QR codes. It is a new payment application for both members
and franchisees. 2DPAY is a phone 2 phone payment method that does not require a card terminal. The payment
method of phone 2 phone can completely replace existing credit card terminal by installing only app on smart phone. In
the store, there is no cost of purchasing equipment such as card terminal or POS, internet communication cost, etc., . The
safety of the card is high because it is impossible to duplicate the card information through the existing magnetic card
terminal using the phone 2 phone method. It is convenient to use only once without registering the card information
every time, and the payment security is enhanced by using the LG uPlus platform. Merchants can reduce labor costs by
allowing 2DM customers to self-order, self-pay, and self-serve, which can reduce the workforce and settlement staff.
-Korea : ‌DAOU Data, Korea, LG U+, Korea, DO Dream Net, Korea, Nadeul Store Business Association, Korea, WITHME
Company, Korea

2econsulting Inc.
Representative Kim In-Hyun Incorporation Date Mar 16th, 1996
Location Yeongdeungpo-gu, Seoul, Republic of Korea(Room No.1710, Digital tower)
Web Page www.2e.co.kr E-mail 2ewebmaster@2e.co.kr Contact +82-2-786-7281
Enquiry Contact +82-10-8279-2727 Enquiry E-mail eskim@2e.co.kr
IT Management Consulting Form of

Main Service Fintech Area FInance Platform B2B/B2C
DT, PMO, SP Business
Introduction
Since the foundation on Mar 1996, 2econsulting has become the best Korean digital innovation consulting leader in
various industry fields starting from the domestic financial consulting.Under the company motto to propose practical
alternatives for the success of clients and grow with clients as a warm-hearted company, we have offered consulting
services to solve the problems of clients based on the contents-making capability from our many project experiences with
foreign leading companies.Also, we have offered various classes based on the knowhow and insight of 2e consultants,
Professional Capacity Building Program ‘2e Academy’from the masters of each investment field and Differentiated IT
Contents Curation Service ‘2e Talk’ App.
2econsulting is a business technology consulting firm that provides IT consulting services to major financial companies
and public institutions in Korea. Founded in March 1996, 2econsulting has been engaged in digital innovation consulting
in various industries. It is composed of a group of specialists who provide real alternatives for customers' success and
create results with customers.
It provides consulting services to solve customer's problems appropriately based on project experiences of advanced
companies with best practices in overseas. 2eAcademy, which is a specialized capacity building program that learns
differentiated lectures with the know-how and insights of 2e consultants and learns from specialists from various fields. It
launched '2eTalk' app that is a differentiated IT professional contents curation service.
History
1996. The incorporation of Wise Consulting Corp.
1999. The change of company name into 2econsulting Inc.
2000. The merger of TK Consulting Corp. (Data Integration Solution Specialized Company)
2006. The merger of EE Information Technology Corp.
2016. The launching of KnowledgeContents Service Mobile Application ‘2e Talk’.
2017. The conclusion of partnership agreement with BackBase Corp.

2eConsulting is a business technology consulting firm.
2eConsulting is a company that provides a lifecyle consulting service from technology architecture strategy (Vision /
Strategy) that meets company's management strategy and information strategy, Infra Analysis and target solution design
(Solution Design) to provide best utilization of IT resources (Lifecycle) consulting services ranging from Implementation to
Operations to Operations & Maintenances.
2eConsulting provides technical system diagnosis, innovation, and transformation services. The technical system diagnosis
diagnoses the technical factors such as hardware, software and security according to the general viewpoints such as
stability, performance and security, and the characteristics of the organization. Technology system diagnosis provides
service to specific areas such as enterprise viewpoint or infrastructure, network, database, channel, security. Innovation
services deliver services such as strategy formulation for the application of new technologies such as mobile, crowd,
social, big data, detailed architecture design, and business model or process design related to finance or manufacturing.
Transformation services provide a variety of services such as technical reference models, technical standards and profiles,
reference materials, and provide detailed design and implementation guides when needed. 2eConsulting's "2eTalk" app
is a differentiated content curation service offered by 2e consultants. It contains the latest business technology trends and
insights. It provides insightful lectures on various consulting methodologies, innovation cases, and business skills.
28
500V
Representative Kim Choong-beum Incorporation Date May 1st, 2015
Location 24, Yeoui-daero, Yeongdeungpo-gu, Seoul, Republic of Korea (Yeouido-dong)
Web Page www.500v.co.kr E-mail hi@500v.co.kr Contact +82-2-558-6774
Enquiry Contact +82-2-553-5638 Enquiry E-mail hi@500v.co.kr
Form of
Main Service Alliance M&A Fintech Area Others B2B
Business
Introduction
500V is a new concept business that aims to be a ‘Fast Exit Platform’. Five hundred volts, which was launched in January
2015, is aiming to provide an exit quickly, with the goal of changing Korea's corporate ecosystem, which takes an average
of 14.2 years, from startup to public disclosure. Five hundred volts attracted investment from Israel Yozuma Group
and US Penex Venture Capital through a new venture and entered into a business cooperation agreement with Nemo
Partners, Samjung KPMG and others.
History
Jan 2015. The establishment of 500V Inc.
Mar 2015. The attraction of investment from Yozma Group in Israel
Mar 2015. The conclusion of strategic business affiliation agreement with Nemo Partners
Apr 2015. The attraction of investment from FENOX VC in USA
May 2015. The conclusion of strategic business affiliation agreement with Samjung
May 2016. The conclusion of strategic business affiliation agreement with Venture Square

500V carries a role in supporting early public disclosure.
Alliance M&A is a unique technique that combines small companies to boost survival and maximize economies of scale.
This enables rapid corporate disclosure and ultimately supports capital procurement.
The business model of 500V is a management model that maximizes enterprise value through cooperation, trust, and
sharing while maintaining the uniqueness and autonomy of many companies under the same vision.
500V is actively and broadly investing in and attracting investment both at home and abroad, from start-ups to venture
businesses to small and medium-sized enterprises. It helps companies Increase corporate value through rapid and
accurate investment and helps to ensure a virtuous circle of corporate ecosystem. The benefits offered to the alliance
enterprises of 500V are to identify and respond to corporate strategy and management issues on the management
side. On the operational side, they share human and material resources to enhance the business model and enhance
internal capabilities. It also supports the funds necessary for proper placement. It also provides advisory services through
professional management and financial consulting firms. 500V is 12 O2O-related businesses focused on online and
offline business, and was registered under the name “500V’ on December 2016.
-Korea : KB Investment & Securities (Securities Company), Venture Square (Media Platform), IP CNB (Attorney), Samjung
KPMG (Accounting Corporation), and Nemo Partners (Consulting)
-Foreign Countries : Fenox (Investment Company), and Yozama Ventures (Investment Company)

8BYTE, Inc.
Representative Kim Deok-sang Incorporation Date Mar 1st, 2014
Location 555, Seolleung-ro, Gangnam-gu, Seoul, Republic of Korea
Web Page www.8byte.co.kr E-mail contact@8byte.co.kr Contact +82-2-555-4086
Enquiry Contact +82-10-9985-3333 Enquiry E-mail hyunjin.min@8byte.co.kr
Safe Touch, Safe Token, Form of

Main Service Fintech Area Security/Authentication B2B/B2C
Safe Pay and Safe Stamp Business
Introduction
8BYTE, Inc. is an authentication solution developer with its own encryption technology.
Established in March 2014, 8BYTE, Inc. has researched on Digital Signature, Data Encryption, and One-time Password
through ID-based Cryptography. Also, based on ID-based Cryptography, it is developing effective and secure
authentication solution. It also plans a banks accounts based App to App type payment service which can be used offline.
History
Mar 2014. The foundation of 8BYTE, Inc.
Oct 2014. The launching of Additional Certification Service for Smart Phone, Internet Banking and ARS (JB Chunbuk
Bank)
Nov 2015. The screening of security diagnosis for Financial Security Institute.
Jul 2016. The supply of Alternate Authentication Solution for Frequency MTS to SK Securities Co., Ltd.
Jan 2017. The supply of Alternate Authentication Solution for Certificate-less Full Banking Service to KB Savings Bank.
Mar 2017. The supply of Plugin-typed IC Chip to Naver Labs
Sep 2017. The supply of Certificate Alternate Authentication Solution for Integrated Real Estate Safe Transaction
Support System (Supreme Court)

8BYTE, Inc. provides a public certificate solution.
Safe Token is a simple authentication and payment solution with ‘the identity-based public key cryptography’. The core
of authentication solution is an identity-based cryptographic technology developed by 8BYTE, Inc. This technology
is based on the cryptographic theory, which verifies that the open information (For example, email address, domain
name, IP address and device serial number) of distinguishable targets, including individuals, organizations and system
devices, can be used as a public key. It combined RSA public key infrastructure cryptography technology with NFC (near
field communication) technology. It adopted Public certificate-less or OTP-less method for several financial institutions
including savings banks and securities firms. Safe Token is applied to the smartphone banking of KB Saving Bank and ‘Syrup
Wealth’ by SK Securities. It will be used as ‘a mobile ID for public institutions’ for clearer identification.
‘Safe Series’, an authentication method developed by 8BYTE, Inc., provides powerful identity authentication and data
integrity verification. Also, it uses proven RSA (2,048 bits) and ECC (Curve 25519) algorithms. It provides the electronic
signature function, which is characterized by public key cryptosystem, and the disposable password function of
question-and-answer method for the safe transaction. In addition, Key-Whitening technology was added to ensure the
convenience and the safety at the same time.
-Korea : JB Chunbuk Bank (Financial Institution), SK Securities Co., Ltd (Financial Institution), KB Savings Bank (Financial
Institution), Lotte Card Co., Ltd (Financial Institution), OSB Savings Bank (Financial Institution), The Federation of
Korean Cultural Center (Local Cultural Center Support) and Korea Internet and Security Agency (Cyber Security).
30
Aijinet
Representative Kim Chang-gyun Incorporation Date May 16th, 2014
Location 9-22, Pangyo-ro 255beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 315-1, Woorim W City)
Web Page www.myrealplan.co.kr E-mail marcus@hanmail.net Contact +82-31-698-2127
Enquiry Contact +82-10-8863-8406 Enquiry E-mail marcus@hanmail.net
Form of
Main Service Insurance Analysis Fintech Area Financial Platform B2C
Business
Introduction
Aijinet operates My Real Plan, an insurance information platform.
My Real Plan is a service that connects customers and insurance planners using an insurance analysis system. The
company introduces My Real Plan with the goal of leading the right insurance culture so that all consumers can benefit
from the insurance. Through its platform, insurance planners can recommend products based on data and customers
can make the right choices. It was selected as a government venture start-up support program and attracted 1.2 billion
won investment from Capstone Partners and Mirae Asset Venture.
History
2013~2014. The collection and research of related data.
Jan 2015. The launching of beta service
May 2015. The official launching of service
Nov 2015. Selected as TIPS in the government venturing support program.
Jan 2016. The achievement of total 10 billion won brokerage
Jul 2016. The attraction of 1.2 billion won investment from CAPSTONE PARTNERS and Mirae Asset Venture
Investment Co., Ltd.
Jul 2017. The launching of MY REAL PLAN V4.

Aijinet introduces a My Real Plan, aiming to be a 'right insurance information platform'. The My Real Plan is meant
to provide "real insurance that is right for me." Starting from a realistic problem that consumers cannot easily obtain
insurance information, the mission is to recommend 'honest insurance' and 'precise insurance'. Many insurance planners
offer a My Real Plan as a way to offer advice on the insurance they sell and to solve the problem that Internet information
is often difficult or commercial.
My Real Plan is introducing insurance competition bidding. When a user who wants to insure simply writes what kind
of insurance he / she needs, designers who are affiliated with the My Real Plan will compete for bidding by designing
insurance accordingly. The insurance products designed by life planners are filtered by the My Real Plan algorithm
considering the insurance companies, premiums, and guarantees, and these are evaluated by internal evaluation
committee members. Through this process, it recommends the three most economical and appropriate insurance
products to customers. If a customer chooses one of these three plans, a one-on-one meeting with the insurance
planner will take place. The My Real Plan includes features such as bid competition, insurance analysis, and curation. It
makes possible for users who have no knowledge of insurance to choose the best insurance products selected through
transparent and fair competition.

Aim
Representative Lee Ji-hye Incorporation Date Apr 15th, 2016
Location 419, Teheran-ro, Gangnam-gu, Seoul, Republic of Kore (17F, Samsung Finance Plaza)
Web Page www.getaim.co E-mail support@getaim.co Contact +82-2-2135-5679
Enquiry Contact +82-10-2369-1091 Enquiry E-mail info@ivysolutions.co.kr
Form of
Main Service AIM Fintech Area Robo-Advisor B2C
Business
Introduction
Aim is a specialized provider of robo-advisor services to individual customer.
It is comprised of financial engineering experts from the global leading hedge fund and experts in the technology field.
Algorithm-based asset management services are provided through their mobile applications. Aim has set the goal of
helping the public gain stable and profitable financial income.
Aim is an investment advisory firm licensed by the Financial Services Commission and has attracted investment from the
UK SBC.
History
Apr 2016. The Foundation of AIM Inc.
Dec 2016. The completion of system connection with Korea Investment & Securities.
2017. The launching of Android and iOS Beta version
Apr 2017. The attraction of investment from SBC British Branch
Jul 2017. The achievement of 1st asset advisor company in Korea (the number of customers)
Aug 2017. The achievement of 1st Robo-advisor profit rate in Korea.

Aim is lowering the threshold of asset management services through robo-advisor service.
It provides customized asset management services of at least 5 million won, which was known to be an exclusive service
for only high 1% wealthy clients.
Aim has been designed to minimize the investment risk through portfolio algorithm balancing approval function in
real time by responding to changes in the global stock market through algorithms developed based on the know-how
accumulated from Wall Street in USA for many years.
It has implemented mobile asset management services with an easy and intuitive user interface that enables one-
stop service from consulting contracts to sales execution. Unlike existing financial products, ETFs that are appropriate
for each customer's investment tendency are easily discerned from the influence of sales channels such as banks and
brokerage houses based on unique algorithms and mobile accessibility. Therefore, customers can receive professional and
neutral investment advice. It lowered the cost of asset management by 0.5%, which is 75% lower than normal industry
commission. In addition, it is possible to safely protect private information and secure investment without using official
certificate by utilizing Aim's unique non-identification random ID token mapping technology instead of the usual personal
information storage method.
-Korea : Korea Investment & Securities (Financial Institution)
32
AIZEN Global
Representative Kang Jung-seok Incorporation Date Feb 15th, 2016
Location 200, Yeongdeungpo-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (2F, Woori Bank Wibee Fintech Lab)
Web Page www.aizenglobal.com E-mail js.kang@aizen.co Contact +82-70-7008-0020
Enquiry Contact +82-10-3370-9165 Enquiry E-mail hyeree.jang@aizen.co
Form of
Main Service A.I. Financial Solution Fintech Area Robo-Advisor B2B
Business
Introduction
Aizen Global provides a platform that combines financial expertise and know-how with artificial intelligence technology.
Researchers at Seoul National University Big Data Research Institute, Seoul National University Institute of Economic
Research, and experts in artificial intelligence research at IBM and professor KAIST professor of machine learning have
teamed up to establish the company. Aizen Global is concentrating on the personal credit market where the whole
process of decision making depends on the data of the financial industry. Major developments include financial product
development, digital marketing, and risk management. It provides various artificial intelligence prediction modules
needed by various departments. Aizen Global was selected as the 1st Wibee Fin-tech Woori Bank. Four patents related
to the AI model were filed. It is jointly developing a credit analysis model with Challenger Bank in the UK.
History
Feb 2016. The establishment of AIZEN Global Inc.
Sep 2016. The conclusion of MOU agreement for the big-data A.I. joint development with big data institute of Seoul
National University.
Nov 2016. The application of 4 patents for A.I. Financial Model
May 2017. The award of Minister Prize in the '24th Korea Multimedia Technology Contest' (Ministry of Science, ICT and
Future Planning)
Jun 2017. Selected as the finalist in ‘Citi HK Fintech Challenge 2017’.
Oct 2017. The conclusion of development agreement for personal credit facility A.I.-applied product with Woori Bank
Nov 2017. The joint performance of credit analysis model and market expansion strategy with Challenger bank in Britain.

Aizen Global offers an artificial intelligence platform that focuses on retail finance, particularly in the private sector. t is
creating synergy between its AI engine and Big Data of its partners. It developed a plug & play module that responds
flexibly to rapid environmental changes. It is constantly improving its algorithms using financial data generated through
own financial business. Aizen Global provides a model for automating and updating real-time data analysis. By
automating the analysis of financial institutions and helping them to quickly make decisions at departmental level, it helps
create new revenue models. In addition, it supports that banks and insurance companies can offer personalized financial
products such as customized interest rates. By analyzing customers in detail, it improves the efficiency of financial
institutions’ work by product development, credit management, and collection. The company has implemented a global
standard model considering domestic and overseas scalability. Currently, it is discussing cooperation and provision of
artificial intelligence solutions with local financial companies such as Japan, Singapore and UK.
-Korea : Woori Bank (Financial Institution), Hyundai Marine & Fire Insurance (Financial Institution), Seoul National
University (Educational Institution), Korea Institute of Science and Technology (Educational Institution) and
National Information Society Agency (Network Management for Public Institution)
-Foreign Countries : Citi Bank (Financial Institution) and United Overseas Bank (Financial Institution)

AJK
Representative Kim In-kyu Incorporation Date Aug 1st, 2017
Location 660, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (10F, U SPACE1 Tower B, Pangyo Techno Valley)
Web Page www.stockpoint.co.kr E-mail anos76@ajk.co.kr Contact +82-1577-6461
Enquiry Contact +82-10-9194-2130 Enquiry E-mail anos76@ajk.co.kr
Fintech Financial Information Form of

Main Service Supply and Platform Fintech Area Blockchain B2B/B2C
Development Business
Introduction
AJK provides a paid stock and cryptocurrency investment information service. Founded in 2015, AJK has been
offering high-quality information and knowledge from experienced specialists in the field of wired/wireless/finance/
mobile industries under the motto that ‘we will create a new ecosystem in era of securities service that offered just
recommendation without any responsibility.’ Currently, AJK has acquired many patents (including ‘The keyword-based
news notification and the subscription of stock information for it’ and ‘The open market server for stock information and
the subscription of any stock information using it’) and applied totally 4 patents including the selection and appraisal
system of investment categories.
History
Jun 2015. The foundation of AJK Inc. and the release of investment information open market, ‘Stock Point’. Dec 2015:
The opening of Stock Point Mobile Service
Oct 2016. The launching and management of Theme Rader
Nov 2016. The acquisition of patent for ‘Keyword-based Customizing News Notification and Stock Information
Subscription Method’.
Dec 2016. The acquisition of venture company certificate.
Feb 2017. The acquisition of patent for ‘Share Information Open Market Server and Stock Information Subscription
Method’.
Aug 2017. The conclusion of business cooperation agreement for Investment Category Contents Supply with Kakao
Stock (Donamu)
Jan 2018. The application of 4 patents including Investment Category Selection Evaluation System (Authentication
Security, Auto Sales and others)

AJK provides the stock and cryptocurrency investment information with charges. ‘Themeradar’ provided by AJK selects
big data-based core themes to provide customized information for issues and interests in real time. For ‘Themeradar’,
it has the patent of ‘The keyword-based news notification and the subscription of stock information for it’. The service
works as below: ▶ Select the keyword, which one wants to know, for the automatic notification service of article(s)
containing a specific keyword(s) ▶ Provide differentiated stock information by registering one own keyword(s) ▶ Notify
in real time all the details of stock schedule, including an unusual stock item(s), before the opening of stock market ▶
Identify in an easy way by linking articles and themes related to any stock item in the stock market easy identification
▶ Offer the customized setting function, including the format and type of notification. Stock Point provided by AJK
is an investment information open market service based on the verification and authentication solution of investment
information capability. In this regard, the company acquired the patent of ‘The open market server for stock information
and the subscription of any stock information using it’. Stock Point has adopted ‘Mentor Selection Evaluation System’. In
order to evaluate the selection of stock item in those under the stock assessment, it chooses a stock item(s) according
to the assessment method, and then derives final score/grade and analysis result in three stock items. Finally, the derived
score can be used as an objective indicator to judge the ability of those evaluated.
-Korea : ‌Danal Inc. (Payment), Future Wiz (Software Development) and Donamu (Securities Information Service)
34
AliveSoft
Representative Lee Chang-joo Incorporation Date May 8th, 2015
Location 27, Eonju-ro 30-gil, Gangnam-gu, Seoul, Republic of Korea (2F, Woosung Living-tel)
Web Page www.alivesoft.co.kr E-mail admin@alivesoft.co.kr Contact +82-2-579-8540
Enquiry Contact +82-2-579-8540 Enquiry E-mail cjlee@alivesoft.co.kr
Number of Employees - Starting Capital 520,000,000 Won
Solution Development, SI and Form of

others Business
Introduction
AliveSoft specializes in system integration and software development. Recently, it has developed the crowd funding
solution ACFS (Alive Crowd Funding System) and supplied it to public and it has started peer to peer (P2P) platform
business independently.
It has applied for a patent for newly developed investment matching brokerage platform system.
History
May 2015. The foundation of AliveSoft Co., Ltd.
May 2015. The registration as a software business in Korea Software Industry Association
May 2015. The registration as a software direct production company in Korea Federation of Small and Medium Business.
Aug 2015. The registration as an enterprise R&D center in Korea Institute for Advancement of Technology
Aug 2016. The development of crowd funding solution and the registration of software copyright in Korea Copyright
Commission
Dec 2016. The application of patent for 'Electronic Storage System for Monetary Gift' and 'Investment Matching Agency
Platform System'

AliveSoft has developed a crowd funding solution and is using it for P2P platform business.
Crowd funding solutions are based on Java and are available in loan, back-end, donation and stock-type products. Based
on eGovFramework and Spring Framework, it has customized and developed A-Framework.
Alive Funding provides a web service for all types of loan funding, back-end, donation, and securities based on its
own developed crowd funding solution. Alive Matching is a web service that relays matching offline in order to solve
the financial difficulties of SMEs. The intranet solution is a platform solution for internal infrastructure and customer
management, providing management functions such as privileges, employees, and shared resources.
-Korea : ‌Hankuk Real Estimate Newspaper (Press), Kwanghwamoon LLC (Legal Service) and ABC Real Estate (Real Estate
Agency)

AndBeyond Capital Management Inc.
Representative Gu Bon-sang Incorporation Date Nov 17th, 2011
Location 30, Baekjegobun-ro 40-gil, Songpa-gu, Seoul, Republic of Korea (3F)
Web Page www.abcm.co.kr E-mail Info@abcm.co.kr Contact +82-2-6931-2700
Enquiry Contact +82-2-6931-2700 Enquiry E-mail jhj@abcm.co.kr
Form of
Main Service Rich Robo Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
AndBeyond Capital Management Inc. provides investment advisory and discretionary financial services. Under the
investment philosophy of 'investment in engineering value', the company utilizes engineering methodology from machine
learning, analysis of big data, and weighing investment to be entrusted with funds from professional investors such as
banks, associations, university funds, listed companies and securities companies.
In 2016, it launched a robo-advisor product and signed a cooperation agreement with NH Investment Securities realated
to robo-advisor.
History
2009. The management of Fianance and Economy Departments’ account (Financial Investment Part) in listed companies.
2011. The seperation of corporation and the foundation of AndBeyond Capital Management Inc.
2013. The management of Kyungnam Bank’s account
2015. The conclusion of Advisory Service Agreement (Kakao MAP Service) with Dunamu Investment Inc.
2016. The account management of MIRAE ASSET DAEWOO.CO., LTD (The former KDB Daewoo Securities Co., Ltd.).
Selected as the strategic investment advisor for MIRAE ASSET DAEWOO.CO., LTD, The launching of Robo-Advisor
Product for MIRAE ASSET DAEWOO.CO., LTD
2016. The conclusion of MOU agreement for Robo-Advisor with NH Investment & Securities Co., Ltd.
2017. The conclusion of Consulting Agreement for APP Masters’ Investment Secrets

AndBeyond Capital Management Inc. provides investment consulting and discretionary management services to those
who are actively seeking to increase their assets by investing in stocks.
RichRobo, a robo-advisor product, is an online asset management service that automatically creates and then proposes
to clients the most optimal investment according to their investment propensity. The portfolio variability and tolerance
limits are set by quantifying risk preference and perseverance by diagnosing investment propensity.
Depending on the results of the risk analysis, RichRobo determines the proportion of risky investment and the number of
final stocks. Hedge positions determine hedge ratios according to the investment propensity of investors and prepare for
the downside. Deriving the optimal portfolio provides a customized portfolio tailored to the investor.
-Korea : ‌MIRAE ASSET DAEWOO.CO., LTD. (Financial Institution), NH Investment & Securities Co., Ltd. (Financial
Institution), Kiwoom Securities Co., Ltd. (Financial Institution), KB Securities Co., Ltd. (Financial Institution), Hana
Financial Investment Co., Ltd (Financial Institution) and E-tomato Inc. (Stock Broadcast).
36
Antock Co., Ltd.
Representative Park Jae-jun Incorporation Date Oct 26th, 2015
Location 90, Cheongpa-ro 47-gil, Yongsan-gu, Seoul, Republic of Korea (Room No. 408-1, Business Incubation Center)
Web Page www.antock.com E-mail yjpark@antock.com Contact +82-2-6263-1026
Enquiry Contact +82-10-5243-2511 Enquiry E-mail yjpark@antock.com
Analysis Solution for listed/ Form of

Robo-Advisor/
Main Service unlisted companies in Korea Fintech Area B2B
Asset Management Business
and abroad
Introduction
Antock is an information provider that provides stock information to individual investors. Antock is a compound word
of "ant" symbolizing individual investor and "stock" symbolizing stock. It analyzes the existing difficult, vast, and tedious
financial information automatically and converts it into an easy and visualized form and provides it to investors. Antock
operates an automation and visualization analysis engine for listed and unlisted domestic and global companies based
on the development of value investment algorithm, securing source data, and visualization technology of financial
information. It won the open API platform sponsored by Koscom in the Pin Tech contest, and signed a contract to
develop a crowd funding platform with Golden Bridge Investment Securities.
History
Apr 2016. Selected as the social enterpriser promotion business by Korea Social Enterprise Promotion Agency
Oct 2016. The incorporation transition into Antock Inc. and the progress of business
Jul 2016. The launching of Antock MRI beta service and application
Sep 2016. The award of Grand Prize in the Software Match K-ICT Startup Contest
Sep 2016. The award in the KOSCOM Open-API Platform Fintech Contest
Oct 2016. The conclusion of MOU agreement for unlisted stock analysis solution with Korea Economic Daily
Jun 2017. The conclusion of unlisted stock analysis solution development agreement with Korea Economic Daily
Sep 2017. The conclusion of crowd funding platform development agreement with Golden Bridge Investment &
Securities

Antock provides individual investor with information on domestic securities, OTC stocks, overseas stocks, and start-up
markets. It holds differentiated algorithm development capabilities in the area of value investment, which is the core of
the stock analysis methodology. It has accumulated the ability to acquire, process and combine source data necessary for
providing financial information. It has its own technology to convert financial information into visual content and info-
graphic form. Antock's domestic stock service is equipped with 'Antock MRI' which diagnoses the information about
domestic listed companies and the health condition of the related items by an automated method. Antock MRI, which
conducts one-stop diagnosis of corporations and stocks, provides individual investor through automation analysis and
visualization process to understand complex financial information at a glance. In the case of OTC stock markets, there
is a lack of central control mechanism for data provision, so information management is poor and stock information is
also scarce or opaque. Antock provides solutions for general investors to more easily access in-depth information about
stocks as well as simple financial summary information. The small OTC stock business conveys the current status and
financial information through the integrated search function of the startup that incorporates its own algorithms into
the information of the currently dispersed companies. Antock will work with Woori Bank to launch Wibee-Xray, a stock
information service in Vietnam.
-Korea : Ministry of Public Administration and Security (Government Agency), Small & medium Business Corporation
(SME Support), Small and Medium Business Administration (Government Agency), National Information Society
Agency (Network Management for Public Institutions), KOSCOM (Securities Computerization), Woori Bank
(Financial Institution), Samsung Securities (Financial Institution), Seoul Economy (Financial Institution) and Hankuk
Economy (Financial Institution)

Assetplus
Representative Yang Je-sin Incorporation Date Feb 24th, 1999
Location 14, Pangyoyeok-ro 192beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Rich Together Center, Sampyeong-dong)
Web Page www.assetplus.co.kr E-mail applaning@assetplus.co.kr Contact +82-2-501-7707
Enquiry Contact +82-2-3490-9865 Enquiry E-mail dghwang@assetplus.co.kr
Form of
Main Service Collective Investment Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
Assetplus Investment Management is an independent asset management company. Assetplus started in 1999 as an
investment adviser, and in June 2008, it turned to Asset Management Company and launched Assetplus Rich Together
Fund. It aims to show '100 years fund that grandfather handed to grandchild' and shows various products. In July 2017, it
launched the Alpha Robo Fund.
History
Feb 1999. The establishment of Asset Plus Investment Advisory Company
Feb 2011. The award of ‘Investor Protection Grand Prize’ in Korea Fund Award (E-daily-KG Zero In)
Mar 2014. The award of ‘Chinese Stock Grand Prize’ for the public offering fund in Korea Fund Award
Mar 2015. The award of ‘Best Management Company’ in the 6th Asia Fund Award (Asia Economy)
Dec 2015. The award of ‘Best Fund Overseas Stock’ in Korea Fund Award – Rich Fund Together (Money Today)
Dec 2016. The award of ‘Best Management Company (Stock)’ in Maekyung Stock Award (Mailkyung Economy)
Jul 2017. The release of Asset Plus Alpha Robo Fund

Assetplus has set the goal of realizing investment truths objectively and effectively using 'big data and algorithms' to buy
cheap 'good things'. 'Rich Together Securities Fund', an active fund that pursues excess earnings relative to the index;
'Alpha Robo Fund', a robo fund that aims to operate objectively with data and algorithms; 'Happy Dream Together
Securities Fund,’ a longshot fund intended to thrive a stable profit by reducing market variables.
The "Alpha Robo Investment System" acquires billions of new and rich data and processes it with Assetplus’s independent
reinterpretation and reclassification. The data of Alpha Robo System is supplied by Assetplus only by supplying specialized
data of various fields including finance, quotation, operation and business model of business. The Alpha Robo System
goes through a five-step process to select low-priced companies with high value. In the first stage of process, safety test
is conducted to filter out companies that are not in investment and to select preliminary sample data. In the second stage
of process, the allocation process is performed by considering the characteristics of each industry, scale, and country,
thereby preventing a specific sagging of the portfolio. Through the 3rd and 4th steps, it finds good companies and selects
cheap companies to complete the portfolio. Next, it determines the proportion of portfolio shares to be incorporated
and the proportion of investment in stocks.
38
ATSOLUTIONS Co., Ltd.
Representative Kim Jong-soe Incorporation Date Nov 1st, 1999
Location 189, Seongam-ro, Mapo-gu, Seoul, Republic of Korea (12F, SME DMC Tower)
Web Page www.atsolutions.co.kr E-mail thham@atsolutions.co.kr Contact +82-2-786-4273
Enquiry Contact +82-10-9943-4273 Enquiry E-mail thham@atsolutions.co.kr
Authentication and Financial Form of

Main Service Solution and OTP Fintech Area Security/Authentication B2B
Certification Business
Introduction
ATSolutions is a specialized company offering mobile financial solutions.
Established in 1999, ATSolutions built HTS for securities companies and futures companies, developed mobile securities
transaction service in coordination with communication providers, securities ASP business, banking business, and
certificate based mobile financial service to become a consolidated mobile solution provider.
Recently, it has expanded its business into supplying smart card chips, mobile security, and mobile payment.
History
1999. The foundation of AT Solutions Inc.
1999-2003. The development of MTS – the development of HTS and WTS for securities companies (including Dongyang,
Hyundai and Dongbu Securities Co. Ltd.)
2004-2010. The launching of T-money/T-cash Mobile Transportation Service
2011-2014. Selected as the exclusive OS development and transportaion card chip production company for Infineon in
Germany.
2011-2014. The acquisition of Smart T-money Card Certificate
May 2015. The conclusion of management agreement for the Integrated OTP Certification Center with Korea Financial
Telecommunications and Clearings Institute.
Sep 2015. The conclusoin of development agreement for Safe Certification Storing Technique (FIDO) with Electronics
and Telecommunications Research Institute (ETRI)
Jul 2016. The establishment of Mobile Bank Service (Liv) for KB Kookmin Bank.
2017. The launching of Smart Pass for KB Kookmin Bank Corp.

ATSolutions is providing a variety of mobile financial solutions.
Smart Pass is an integrated authentication platform, which stores a public certificate in the encrypted Secure Element
including USIM, Trustzone, IC card and low power Bluetooth OTP so that electronic signature, security media input,
additional authentication and others can become available at once. It can support more convenient authentication by
just entering Pin number without any procedure of public certificate and security card, when any electronic signature
(for example, the log-in and the transfer) is needed. The IC card certificate is issued on the financial IC chip in a form of
security token by physically separating any public certificate from PC or smart phone so that electronic signature can
be made more securely and easily. The phone number security log-in is an additional service for telecommunication
companies, which enables clients to log-in only with six-digit Pin Number and cell phone number whenever they want to
save or login in the USIM (key chain) of smart phone.
-Korea : ‌KB Kookmin Bank (Financial Institution), NH Bank (Financial Institution), Shinhan Bank (Financial Institution), KEB
Hana Bank (Financial Institution), KB Kookmin Card Co., Ltd (Financial Institution), Shinhan Card Co., Ltd (Financial
Institution), Nexon Co., Ltd (Software Development), SK Telecom (Telecommunication Company), LG U+ Corp
(Telecommunication Company) and Olleh KT (Telecommunication Company)

BAROFUNDING
Representative Kim Jong-won Incorporation Date May 23rd, 2016
Location 456, Gangnam-daero, Gangnam-gu, Seoul, Republic of Korea (13F, Hanseok Tower)
Web Page www.barofunding.com E-mail baro-funding@daum.net Contact +82-2-3448-8289
Enquiry Contact +82-2-3448-8289 Enquiry E-mail baro-funding@daum.net
Online Small Money Form of

Main Service Fintech Area P2P Finance B2B/B2C
Investment Agency Business
Introduction
Baro Funding provides peer-to-peer (P2P) financial services. Focusing on investors-oriented funding platform, it is
positioning itself as a new investment system capable of offering diversified investments in the current era. Direct
funding provides investors with a convenient and safe real estate investment environment by providing investors with
the best service at the best location for investment so that investors can concentrate on investment only. It also supports
borrowers with fast and reasonable interest rates for those who need funds. All investment products are aimed to
provide safe and reasonable future financial services through a rigorous loan review system that emphasizes repayment
ability rather than collateral, and a risk distribution system through portfolio investment, although mortgage setting is
basic.
History
May 2016. The ifoundation of BaroFunding Inc.
Jun 2016. The launching of P2P funding service.
May 2017. The pre-registration of DDoS Cyber Shelter.

Baro Funding makes it easy to invest in real estate anytime, anywhere, through the P2P platform. It provides specialized
services based on the best professional manpower, accumulated experiences and expertise, and it protects investors'
investment through real estate collateral. 1% of bank deposits Invested in highly profitable investment houses and real
estate properties in the form of loans, the company achieves annual profits of 10%. In addition, it provides complex
procedures such as various required documents for real estate investment, so that anyone can easily and quickly invest
in real estate. It makes every effort to verify the ability to repay the funds based on all the conditions of the investor,
such as investment consultation, evaluation, evaluation, and approval process, and after the investment is implemented,
the company will catch the delayed and bad signs early. The company strives to maintain the delinquency rate at 0%
by responding to preemptive measures. It has also instituted institutional safeguards to ensure that funding cannot be
withdrawn solely from investors' assets, which are customer deposits. It has adopted the Safe Deposit Account System,
which allows PayGate to withdraw deposits only when there is a final withdrawal instruction through a contract with a
direct funding company.
-Korea : ‌PayGate (Electronic Payment) and Korea P2P Finance Association (P2P Company Support)
40
Barunfintech
Representative Yang Goon-pil Incorporation Date Nov 3rd, 2016
Location 21-6, Teheran-ro 34-gil, Gangnam-gu, Seoul, Republic of Korea (3F, Bethel Building)
Web Page www.barunfund.com E-mail barunfund@gmail.com Contact +82-2-529-7967
Enquiry Contact +82-2-529-7967 Enquiry E-mail barunfund@gmail.com
Form of
Main Service P2P Finance Fintech Area P2P Finance B2B/B2C
Business
Introduction
Barun Fintech operates BarunFund, a P2P (Peer to Peer) financial platform. It provides a variety of financial products
that are stable and high yields through niche markets that have improved financial distribution structure. Unlike financial
institutions, which focus on existing financial companies, the goal is to practice financing for customers, namely investors
and borrowers. In the rapidly changing financial environment, the company has five core competencies for consumer-
oriented finance: Finance, Technology, Network, Investment and Manpower. It is creating a new financial ecosystem that
connects people and industries and embraces domestic and foreign finance. It also offers deposit management service
in cooperation with PayGate and SC First Bank. Yulchon, and Samchang appraisal corporation, etc., are involved in
development work including products review. In addition to P2P crowd platform business, Barun Fintech is establishing
private equity fund management, investment banking business, NPL management business and asset management
businesses to enhance synergy impact among affiliates.
History
Nov 2016. The foundation of BarunFintech.
Dec 2016. The launching of P2P financial service, ‘BarunFund’.
Jan 2017. T he conclusion of business cooperation agreement for the development and introduction of product with
Doctor Apartment.
Jun 2017. The launching of deposit management service through PayGate and Standard Chartered(SC) First Bank Korea
Ltd.
Jul 2017. T he conclusion of business cooperation agreement for the screening and development of product with
Samchang Appraisal Co., Ltd.
Aug 2017. T he conclusion of business cooperation agreement for the screening and development of product with
Yulchon LLC.

Barun Fintech manages Barun fund, P2P financial platform. Barun fund provides lower interest rates for borrowers and
higher returns for investors through automating all of the lending processes online, minimizing unnecessary expenses
such as branch operating expenses, labor costs and loan operating expenses. Barun fund is currently releasing real estate
financing products. Real estate project financing is the main focus, and it plans to launch not only products in real estate
but also in corporate finance. The company aims to become an online financial platform that shares the know-how of
industrial companies such as real estate development and management, domestic and international distribution and
trade, high-end cosmetics, and 020 service and IT solution services. In order to provide the right financial products, the
company implements strict examination and evaluation procedures through its own personnel and external specialists,
and establishes security and safety devices to aim for zero risk of product risk.
-Korea : ‌Samchang Appraisal Co., Ltd. (Appraisal), Yulchon LLC. (Legal Service), Seum LLC. (Legal Service), Fidelis Asset
Management (Financial Institution), Meritz Asset Management (Financial Institution), Noble Holdings (Non-
performing Purchase/Management) and Financial Supervisory Service (Special Financial Corporation)

Bellsoft Inc.
Representative Lee Jong-il Incorporation Date Aug 1st, 2014
Location 12, Digital-ro 33-gil, Guro-gu, Seoul, Republic of Korea (Room No. 1001, Woorim EBiz Center 2(i)-cha)
Web Page www.bellsoft.co.kr E-mail contact@bellsoft.co.kr Contact +82-2-6925-6473
Enquiry Contact +82-70-4858-0352 Enquiry E-mail yhkim@bellsoft.co.kr
I LOVE COIN Form of

Main Service Fintech Area Remittance (Overseas) B2C
Phone Log-In Business
Introduction
Bellsoft Inc. is a fintech-specialized company which provides overseas remittance service and online authentication
service. It has contracted a partnership with China’s and other countries’ mobile electronic wallet service providers and
overseas remittance service providers. It has many registrations of patents, including the simple log-in with mobile
number. In April 2016, it attracted investments from Samho Green Investment Company, and in December 2017, it
funded extra investment from Korea Investment Partners and Samho Green Investment Company.
History
Feb 2013. The foundation of Bellsoft Inc.
Dec 2013. The registration of patent for 'Smartphone Self-certificate Fraud Protection’.
Nov 2015. The launching of phone log-in (simple log-in) service.
May 2016. The award of Grand Prize for the Fintech Area in the 2016 Korean Excellent Company Award
Jun 2016. The development of fintech service based on the mobile electronic wallet for Chinese visitors.
Jul 2016. The conclusion of supply agreement for the phone log-in (simple log-in) solution with KB Kookmin Card.
Jun 2017. The release of I LOVE COIN KIOSK prototype.
Dec 2017. The attraction of 3 billion won investment from Korea Investment Partners, Samho Green Investment and
others.

Bellsoft introduces 'I Love Coin', a small amount overseas remittance service, and 'Phone Login', a simple login service.
‘I Love Coin’ helps Chinese tourists visiting Korea can remit their remaining Korean currency money to China’s electronic
money wallet. As such, it primarily serves yorkers and provides kiosk-based services. Video ads and public account and
app-linked coupons are also available. ‘Phone Login’ is an authentication service that logs in with a one-time password
sent to one’s mobile phone number and app push. Even if one does not remember one’s ID and password, one can
conveniently log in using one’s smartphone. It supports both Android and iOS operating systems. In the future, it will be
supported by fingerprint authentication and will show an upgrade version that automatically checks and logs in without
entering a one-time password.
-Korea : ‌IBK Industrial Bank (Financial Institution), KB Kookmin Bank (Financial Institution), KB kookmin Card (Financial
Institution) and EBS (Educational Broadcaster)
-Foreign Countries : ‌DowJones (Financial News Service) and Tencent (IT Company)
42
BenefitSocial
Representative Kim Jae-yeol Incorporation Date Jun 1st, 2016
Location 28, Digital-ro 33-gil, Guro-gu, Seoul, Republic of Korea (4F, Woorim EBIZ Center)
Web Page www.funfunding.co.kr E-mail contact@funfunding.co.kr Contact +82-2-2108-1313
Enquiry Contact +82-2-2108-1313 Enquiry E-mail contact@funfunding.co.kr
Number of Employees 8 Starting Capital -

Introduction
BenefitSocial manages 'FunFunding', which supports loans and investments in a P2P (peer-to-peer) platform. FunFunding
stands for 'fun financial'. It is aiming to change institutional and asset-oriented financing to the common people that are
often seen around. FunFunding aims to provide financial services that lower the threshold of investment and conveniently
connect safer and more profitable products. It supports one to invest freely without a burden even during a busy daily
life. FunFunding is a P2P financing system that specializes in public sector bonds, and boasts a distinctive feature of short
investment period and high cumulative repayment rate.
History
Sep 2016. The launching of Fun Funding.
Sep 2016. The open of first investment product.
Jul 2017. The registration as a regular member in Korea P2P Financial Association.
Jan 2018. The open of 232nd investment product.

FunFunding is a P2P investment platform that experts review and evaluate investment projects that require expertise and
high-value assets, enabling safer investors who do not have expert knowledge to generate profits safely. The loan service
is being provided to the borrower who has used the high-interest private funds due to the difficulty of borrowing in
the existing financial sector with a 10% high interest rate. The investment amount is set at a minimum of 100,000 won
in order to provide an opportunity to invest a small amount in case of an investment. FunFunding accumulated multi-
year investment know-hows that can be used to facilitate the use of high-interest loans by analyzing the collateral value,
professional credit rating, collateral rate, collateral type, repayment ability and repayment ability of borrowers. FunFunding
is designed to be withdrawable for the convenience of investors. It also suggests a short-term investment period for quick
repayment to investors.
-Korea : ‌Korea P2P Finance Association (P2P Company Support)

Beyondfund
Representative Seo Jun-seop Incorporation Date Oct 1st, 2015
Location 5, Bongeunsa-ro 37-gil, Gangnam-gu, Seoul, Republic of Korea (3F)
Web Page www.beyondfund.co.kr E-mail ask@beyondfund.co.kr Contact +82-1661-0301
Enquiry Contact +82-70-4699-2458 Enquiry E-mail hmh@30cut.com
Form of
Main Service Beyond Fund Fintech Area P2P Finance B2B/B2C
Business
Introduction
The Beyond Fund is a P2P platform that allows anyone to invest a small amount in real estate structured loans, such as
asset backed loans (asset backed loans), which were handled by regulated financial institutions such as private equity
funds, asset management companies and investment banks. The Beyond Fund consists of specialists who have many
years of experiences in consulting, accounting banking, credit and marketing. The Beyond Fund has set out to create
a new financial ecosystem centered on borrowers and investors, out of the traditional financial nature of maximizing
corporate profits. Starting from P2P finance, its goal is to grow as a financial fin-tech company for the whole financial
industry. It operates the P2P financial platform '30CUT' for institutional investors. It is developed in cooperation with NH
Bank.
History
Oct 2015. Established Beyond Platform Service
Dec 2015. Developed the big data-based credit rating model for credit card re-loan
Feb 2016. Concluded a business cooperation agreement with the co-development of 30 Cut-NH Loan (National
Agricultural Cooperative Federation Bank)
Apr 2016. Increased the capital of Beyond Platform Service
Nov 2016. Approved the clause of NH 30 Cut Loan for P2P loan product with National Agricultural Cooperative
Federation Bank (Financial Supervisory Service)
Feb 2017. Launched Beyond Fund
Sep 2017. Concluded a business cooperation agreement for the co-development of ABL (Asset Securitization Loan)
investment product with Aram Fund

The Beyond Fund is a P2P financial platform that focuses on asset-backed loan (ABL) investments. Investments in
asset securitization loans offered by Beyond Fund are loans based on assets that can predict cash flows such as sales
proceeds, construction fees, and trade receivables. Structured safety will secure the rights of investors by cutting off
ownership of assets from borrower default risks and other debtors. The internal financing experts of the cost-fund
designed and structured the structure of the loan product directly and constructed the asset securitization loan bond
as the P2P investment product. Investors are also investing in investment assets of the Beyond Fund's securitization
loans. Institutional investors who are struggling to find a profitable company due to prolonged low interest rate and
low profitability are interested in investing in asset-backed loan products, which were handled by existing institutional
financial institutions. The Beyond Fund, together with the institutional investors, review the risks through the double
investment examination of the two judges and increases the safety of the investment products. The Beyond Fund
operates 'Safeguard 90', which can save a portion of your investment losses. The company will pay 300 million won
to the company's capital stock at an early stage and will continue to accumulate a portion of the investor's profits to
maintain a loss of up to 90% of the principal amount of the unredeemed debt within the reserve if the insolvency occurs.
-Korea : ‌National Agricultural Cooperative Federation Bank (Financial Institution), Aram Fund (Financial Institution) and
Sogang University (Financial Institution)
44
BF365
Representative Yoon Jun-seok Incorporation Date Dec, 2015
Location 567, Songpa-daero, Songpa-gu, Seoul, Republic of Korea (Room No. 205 - Na, 2F, Shopping District-dong)
Web Page www.bf365.co.kr E-mail bf-365@naver.com Contact +82-2-241-2400
Enquiry Contact +82-2-241-2400 Enquiry E-mail bf-365@naver.com

Introduction
BF365 is a peer-to-peer (P2P) platform service provider that connects investors and borrowers through an online platform
and lends money and returns revenue. Individuals, companies, and small business owners who are not able to obtain
bank loans will raise funds and investors will earn higher profits in the low interest rate era. BF365 supports the BF365
system to reduce unnecessary time for operators entering P2P business. The company supports start-up companies and
storytelling bonds, scholarships, and relief projects with its 10% profits from running a platform.
History
Dec 2015. Established BF 365 Inc.
Feb 2016. Concluded a business cooperation agreement with KCB (Credit Rating Organization)
Apr 2016. Concluded a business cooperation agreement for electronic financial service with Pay Gate and Seyfert
System
Jun 2016. Joined a regular member in Korea P2P Financial Association.
Aug 2016. Concluded a business cooperation agreement for electronic registration system with Finotek.

BF365 launches medium interest bond products that are screened and selected by well-experienced banking
professionals with many years of experience in dealing with various types of loans. The company makes a safe investment
with various customized bonds. In the case of real estate collateral, the construction cost is added to the general real
estate collateral and land as collateral. Special guarantees include churches, daycare centers, new construction and
extension construction costs, and purchase funds. Other collaterals include securities and beneficiary rights collateral,
collateral bond, and collateral for transfer. For the security of the bonds, BF365 provides a secure investment environment
through virtual accounts of the trust system based on block chain technology and encrypts the session data through
the SSL security protocol. BF365 is implementing a strategy that focuses on 60 percent of the middle rank, rather than
focusing on the top 20 percent. In addition, the company introduces a new type of loan that is difficult to release from
the system financing to investors. It suggests event loans, storytelling loans, start-up loans and other products.
-Korea : ‌Korea P2P Finance Association (P2P Company Support) and Pay Gate (Electronic Payment)

BGF NETWORKS
Representative Lee Jong-deok Incorporation Date Dec 4th, 2009
Location 20, Digital-ro 31-gil, Guro-gu, Seoul, Republic of Korea (Room no.706 & 707, Ace Techno Tower 5th)
Web Page www.bgfnetworks.com E-mail c971239@bgf.co.kr Contact +82-2-6347-6920
Enquiry Contact +82-2-6347-6921 Enquiry E-mail c971239@bgf.co.kr
Mobile Gift Card, Messaging Form of

Main Service Fintech Area BlockChain B2B/B2C
Service and DS Advertisement Business
Introduction
BGF Networks is an information technology-based marketing company that conducts digital signage, electronic gift
certificate messaging services, and cash receipt business. BGF Networks has launched mobile gift vouchers since the end
of 2013. It publishes, sells, and operates a mobile voucher that can be freely used in CU stores nationwide. It also issues
and sells gift cards, prepaid card-type gift cards, which can be freely used as cash in CU stores and affiliated companies
nationwide. In 2016, the company merged the digital signage business with the merger of BGF DSNET. After the spin-off
of the CD / ATM business, the subsidiary, BGF FinLink, was established and transferred.
History
Dec 2009. The equity participation of BGF Retail Corp. (The establishment of FamilyBank)
Jul 2012. The change of company name into BGF Cashnet
Dec 2013. The launching of mobile gift card service
Mar 2014. The launching of messaging service
Mar 2015. The expansion into the cash receipt brokerage business
Feb 2016. The merger of BDG DSnet (The integration of digital signage business)
Feb 2016. The change of company name into BGF Networks

BGF Networks sells mobile vouchers, and is engaged in B2B and B2C messaging, digital signage-based advertising and
promotional services, and cash receipt relaying business. Mobile gift vouchers can be used in close proximity to everyday
life and offer high rewards. It has relations with the largest number of stores in Korea franchise. The 'CU Mobile Voucher'
can be purchased or issued by choosing cash card, the voucher, the discount voucher and the gift card according to
the purpose. Various items in CU store can be purchased in the same way as cash. The CU mobile gift certificate is a
consumer-friendly brand, suitable for promotions and events of various attributes. Customization is possible with various
options such as product designation, amount adjustment, discount and others. The company provides an administrator
system that can check usage history.
Based on CU convenience stores, the digital signage division effectively delivers advertisements by repeatedly exposing
to 20s to 40s key customers as main customers of convenience stores. It is possible to communicate with consumers
who have a high purchasing power by storing it in a shop that has a large number of visitors and high sales performance.
CU Convenience Store Visit the company installed two displays in accordance with the customer's store circulation and
achieved the optimal exposure environment.
In addition, it supports the messaging service, a text sending service that allows a company to send a text message
to the group of customers for product promotion or service notification, and the cash receipt service that informs the
transaction details of our cash receipt affiliate members to the National Tax Service in order to give the income tax
deduction to the customer and tax credit to our affiliate members.
-Korea : ‌Samsung Securities Co., Ltd. (Financial Institution), Mirae Asset Life (Financial Institution), Samsung S1 (Security),
The JoongAng Ilbo (Press), Federation of Korean Industries (Commerce Analysis), E1 (LPG Export/Import), ADT
Caps (Security) and Megabox (Theater)
46
BI Cube
Representative Kim Min-gyeong Incorporation Date Jul 2nd, 2015
Location 199-11, Seocho 3-dong, Seocho-gu, Seoul, Republic of Korea
Web Page www.bicube.co.kr E-mail ceo@bicube.co.kr Contact +82-70-7568-1166
Enquiry Contact +82-70-7568-1166 Enquiry E-mail ceo@bicube.co.kr
Form of
Main Service FDS Fintech Area Others B2B/B2C
Business
Introduction
BI Cube is a specialist in operating big data and machine learning platform with a focus on financial sector. After
five years of development, the company launched a new market by bringing out ‘BI Cube’, a big data-based analysis
solution. In the field of software, it provides rapid services through partnerships with its own technology. In the field of
big data integration, it has an intelligent asset management service platform through machine learning infrastructure
and intelligent asset management. BI Cube is concentrating on O2O market of financial market by combining its own
software and big data integration capability. It suggests Lycaon-F and Neural Stream-FDS as a solution for detecting
abnormal financial transactions.
History
Jan 2005. The development of real time payment and membership point system for VAN company.
Aug 2008. The development of credit card real time payment system
Feb 2010. The establishment of National Record DB Meta Data Business Plan
Jun 2015. The foundation of BI Cube Inc.
Jul 2015. The award of Excellent Prize in the technology section of 2nd Korea Big-data Award (National Information
Society Agency-Big Data Academy)

BI Cube is providing abnormal transaction detection solutions to financial companies as a big data and machine learning
platform. In the past, to detect abnormal transactions, modeling of 30 million individual customers was required, which
required a lot of computing resources and time, but BI Cube can help solve it efficiently. Neural stream-FD was developed
based on the way neurons work. It processes up to 2 million messages per second and is designed to implement desired
behavior by connecting neurons together rather than programming language coding. It supports distributed processing
and provides readability that allows the neuron configuration to be grasped at a glance. Real-time analysis is performed
while keeping all users' transaction profiles, customer property profiles, and device information profiles in memory for
a certain period of time. Lycaon-F, launched by BI Cube, is an FDA Appliance. Neural stream -FDS is implemented as a
dedicated server and equipped with a machine learning platform, BI Cube. It provides stable in-memory computation
for customer profiling and online learning. Compared to traditional intrusion detection systems, it has 10 times faster
performance without tuning and can significantly reduce total cost of ownership in terms of initial deployment and
operational costs. No physical design is required, so you can install and complete the standby within a week of the
equipment's arrival.

Bigpiefunding
Representative Park Mi-kyeong Incorporation Date Sep 1st, 2016
Location 61, Banpo-daero 26-gil, Seocho-gu, Seoul, Republic of Korea (Room No. 201, Samyoung Building)
Web Page www.bigpiefunding.com E-mail bigpie@bigpiefunding.com Contact +82-2-523-0108
Enquiry Contact +82-10-4133-4262 Enquiry E-mail sh@bigpiefunding.com
Form of
Main Service P2P Loan Fintech Area P2P Finance B2C
Business
Introduction
Bigpiefunding is a peer-to-peer financial platform provider specializing in real estate investment. Under the slogan of
"Delicious Real Estate Finance and Big Pie Funding.", the company aims to provide investors with a simple and easy way
to make a profit like pie. It invests only good quality products through offline know-how of real estate and bad debts.
In addition to self-analysis, the company conducts dual analysis through cooperation with external analysts to ensure
stability. In the event of a loan failure, the company takes measures to protect investors by working with specialist
companies to conduct investment auctions or sell bonds immediately.
History
Sep 2016. The Foundation of Big Pie Funding Co.
Nov 2016. The Release of 1st project
Aug 2017. The Conclusion of business cooperation agreement with KTB Credit Information

Bigpiefunding provides services that connect investment and lending in the real estate sector. The real estate P2P loan
service connects real estate operators and investors in a P2P way using an easily accessible internet platform. It offers
easier investment for real estate operators. The platform reduces costs and creates more investment opportunities
while funding with lower financial costs. Instead of reviewing and reviewing real estate investment, which is difficult for
individual investors to participate in, investors are provided with stability and reliability. It provides a simple yet profitable
investment opportunity through a platform-friendly, low-cost approach. Through the non-performing loan purchase
project, the proceeds from the purchase of the bonds are lent to the specialist in purchasing bonds. It is a project method
that provides a high profit while raising the safety by receiving a dividend directly through auction to the court (trust) by
pledging pledge to the buyer of the bond to be bought. Loan-borrowing of the Mortgage-backed bonds also proceeds.
When a professional corporation that purchases non-performing loans purchases first-rate mortgages, it invests in a
portion of the purchase funds, securing the rights of the investors through the establishment of first-tier municipal bonds.
-Korea : ‌Korea P2P Financial Association (P2P Company Support), Korea Crowd Funding Association (Crowd Funding
Company), Pay Gate (Electronic Payment) and KTB Credit Information (Credit Rating)
48
BIGTREE Inc.
Representative Lim Hong-Soon Incorporation Date Feb 3rd, 2015
Location 65, Myeongdong-gil, Jung-gu, Seoul, Republic of Korea (Room No. 1201, Boram Building)
Web Page www.ibigtree.kr E-mail bigbot@ibigtree.kr Contact +82-2-786-7910
Enquiry Contact +82-10-8415-0729 Enquiry E-mail dklee@ibigtree.kr
Big Data Analysis and AI Form of

Main Service Fintech Area Robo-Advisor B2B/B2C
Platform Development Business
Introduction
BigTree is a robotic advisory service provider founded in 2015 by experts who have accumulated experiences in various
fields such as big data analysis, artificial intelligence, financial engineering and asset management. BigTree combines
financial engineering technologies such as big data analysis, artificial intelligence, and the latest information technology
with portfolio optimization and asset allocation strategy. It has a differentiated artificial intelligence engine 'Bigbot'.
Information technology quickly analyzes vast and complex financial data and thus derives a meaningful correlation.
Financial engineering technology optimizes investment performance such as portfolio optimization, rebalancing and
asset allocation based on information extracted from information technology. In April 2017, Big Tree passed the Financial
Services Commission's robo-advisor review. Currently, it has business agreements with Hana Financial Investment,
KOSCOM and Donga Exports.
History
Feb 2015. The foundation of Big Tree Co.
Jun 2016. Opening of robo-advisor beta service
Aug 2016. Conclusion of MOU agreement with Hana Financial Investment
Sep 2016. Conclusion of MOU agreement with Koscom
Apr 2017. Passing of robo-advisor operating inpsection (Financial Services Commission)
Jun 2017. Conclusion of robo-advisor MOU agreement with Dong-A experts (Dong-A Daily News)
Aug 2017. Conclusion of ‘Cooperation Agreement about Robo-advisor’ with Tempis Investment Consulting.

BigTree provides financial information analysis and a systematic methodology to allow individual investors to invest like a
professional fund manager. The company has developed a robo-advisory service by combining BigTree's differentiated big
data analysis and artificial intelligence technology with the principles and philosophy of global investment gurus. Big Tree's
approach is based on the investment philosophy presented by numerous investment groups including Benjamin Graham,
Peter Lynch, Joel Greenblat, and Warren Buffett. Big data, financial engineering, artificial intelligence and other advanced
technologies have been developed into more realistic technologies. Bigbot is the result of mathematical modeling and
various experiments. BigTree Robot Advisor provides advisory services throughout the asset management area, including
day labor. Customers can perform portfolio composition, asset allocation, broker-dealer commodity trading, and
rebalance by referring to the information analyzed by the robo-advisor. When you use Big Tree Robot Advisor, you first
understand investment tendency. Choose individual, investment proprietary methodologies (stable, neutral, aggressive,
etc.). Portfolio recommends portfolio candidates such as stocks and ETFs according to the results of daily analysis. The
company recommends investors to focus on real-time prices. The commodity transaction supports one-stop transaction
by linking this best stock and securities companies such as Kiwoom Securities. In addition, it adjusts the proportion of
shares to cope with share price volatility.
-Korea : ‌Mirae Asset Daewoo Co., Ltd. (Financial Institution), Hana Financial Investment Co. LTD. (Financial Institution),
TEMPIS INVESTMENT ADVISORY Co., Ltd. (Financial Institution), Koscom (IT Company), KOREA POLYTECHNIC
UNIVERSITY (Educational Institution) and Dong-A Experts (Consulting)

Biz Works Co., Ltd
Representative Park Jun-young Incorporation Date Feb 18th, 2002
Location 11, Yeouidaebang-ro 67-gil, Yeongdeungpo-gu, Seoul, Republic of Korea (6F)
Web Page www.bizworks.co.kr E-mail contact@bizworks.co.kr Contact +82-2-780-2328
Enquiry Contact +82-70-7090-7061 Enquiry E-mail contact@bizworks.co.kr
Form of
Main Service GT-Pay Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
BizWorks provides activation solutions and distribution history tracking solutions based on the underlying technology for
copying, stitching and tampering. It developed automatic interworking with smart order and bill and POS system and
support non-face-to-face orders and payments. It provides mobile gift certificate reuse prevention solution to Shinsaegae
and provides distribution history management solution to Dasan CENTEC. It was selected as a fin-tech mentoring
company by Samsung Card. It has received a commendation from the Minister of Science, ICT and Future Planning at the
2016 Korea ICT Innovation Awards.
History
Feb 2002. The foundation of Biz Works Co., Ltd.
Feb 2015. The establishment of BizWorks R&D center
Mar 2015. The supply of activation certificate-distribution record solution to major 10 companies (including Callaway,
Herbalife, Marykay and Daesang).
Jul 2015. The development and supply of Shinsegae mobile gift card reuse prevention solution.
Apr 2016. The award of ‘Minister Prize by Ministry of Science, ICT and Future Planning’ in the ‘2016 Korea ICT Innovation
Contest’
Jun 2017. S
elected as a fintech mentoring company (Samsung Card)
Jul 2017. The supply of distribution record management solution (Dasan CNTech)
Aug 2017. S
elected as 2017~19 IKMP business (KOTRA)

Bizworks provides GT-Pay, a payment service, automation solutions for office environment improvement, and enhanced
QR code services. GT-Pay is a non-face-to-face order and payment service. The GT-Code label is attached to the table in
the offline store, and non-face-to-face order and the payment can be made. It supports both iPhone and Android phone.
As a secure payment solution that eliminates the risk of duplication or cueing of QR codes for payment, the original
technology of BizWorks is applied. Office AI (OffiCE AI) monitors not only software but also hardware such as PC and
OA by artificial intelligence algorithm instead of developing expensive interfacing software. By extracting and processing
data, and controlling heterogeneous computing directly, the company improves processing speed, and reduces errors
and workload. Variable QR code is a solution that captures and transmits QR codes or prevents remote stealing by CCTV.
-Korea : ‌Shinhan Card (Financial Institution), Samsung Card (Financial Institution), BC Card (Financial Institution), Woori
Bank (Financial Institution), Shinhan Bank (Financial Institution), Fintech Center (Government Interagency) and
Korea Trade-Investment Promotion Agency (Trade Company Support).
-Foreign Countries : ACB Bank (Financial Institution)
50
Bizplay co., ltd.
Representative Seok Chang-Kyu Incorporation Date Dec 1st,, 2014
Location 220, Yeongsin-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (19F, KnK Digital Tower)
Web Page www.bizplay.co.kr E-mail ideajjang@bizplay.co.kr Contact +82-2-3779-4987
Enquiry Contact +82-2-3779-4987 Enquiry E-mail ideajjang@bizplay.co.kr
Form of
Main Service Expense management Fintech Area Financial Platform B2B
Business
Introduction
Bizplay Co., Ltd. is a corporation that specializes in paperless management of expense. Biz Play was initially an in-
house venture company of Webcash Co. Ltd. that started in June 2014. Bizplay Co., Ltd. then spun off into a separate
corporation on December 1st of the same year in order to promote its own business with the intention of "Making a
business environment easier and more fun" as expressed in its mission statement. Since then, it has introduced a variety
of businesses and collaborative applications for B2B. On September 2016, Bizplay was launched as a specialist in ‘Paperless
Management of Expenditure Solution'. It is the first domestic company to implement electronic expenses management,
which does not require real receipts, for corporate cards, as well as personal cards and overseas issued cards. Bizplay
provides a service that can transparently identify the current state of expenditure of the company.
History
December 2014. Established Webcash Co., Ltd. as an in-house venture.
June 2014. Established Bizplay Co., Ltd.
Aug 2016. Repleased Bizplay expense management service
Sep 2016. Won Excellence Award in Maekyung Fintech Awards
Sep 2016. Won Grand Prize in ‘Softwave Summit 2016’
Nov 2016. Won Participation Prize in ‘2016 Korea Mobile Award’
Dec 2016. Won Prize in the marketing section of ‘2016 Total Hit Products’
Oct 2017. Launched the electronic documentation of paper recepits and offered the certified storage service of
electronic documents.

BizPlay provides transparent and convenient service for expenditure management. BizPlay's expense management
solution, BizPlay, is a cost-effective management solution that transforms all business related to corporation card expense
processing from smart documents to existing documents. It is linked directly with domestic credit card companies. It
automatically imports expense usage data through scrapping technology and supports expiration expenses expense
management service through real-time usage confirmation, mobile receipt submission, and mobile expenditure
resolution. The company has concluded business agreements with domestic electronic employee management (ERP)
companies such as Yeonglimwon Soft Lab, iQuest and Foren, and provides biz play service to customers by linking ERP
and Biz Play. Because Biz Play receives data directly from the card company, electronic receipts have legal proofs and do
not need to keep paper receipts separately. In addition, the company also developed a service to capture card receipts
and store them in a certified electronic document storage system, which solved the problem of keeping receipts for
personal expenses.
-Korea : ‌Shinhan Card Co., Ltd (financial institution), Samsung Card (financial institution), KB Kookmin Card (financial
institution), Jeonbuk Bank (financial institution), BC Card (financial institution), Hyundai Card Co., Ltd (financial
institution), Lotte Card Co., Ltd. (financial institution), Hana Card (financial institution), Woori Card (financial
institution) (financial institution) and National Agricultural Cooperative Federation Card (financial institution)

BlockBank
Representative Moon Jung-gon Incorporation Date Jul 22nd, 2015
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (2IFC, Yeouido-dong)
Web Page www.blockbank.co.kr E-mail info@blockbank.co.kr Contact +82-2-782-2070
Enquiry Contact +82-2-782-2070 Enquiry E-mail info@blockbank.co.kr
Fintech, Virtual Currency Form of

Main Service Exchange and Decentralization Fintech Area BlockChain B2B/B2C
Exchange Business
Introduction
Blockbank is a block-chain technology research and development company. Blockbank is analyzing the block-chain
industry and the cryptocurrency market, and it is working on a project to apply the current financial system to the
cryptocurrency market. Blockbank is a major partner of Linker Coin. It develops Linker Coin Project (Linker Coin Project),
which develops a virtual P2P exchange market in domestic and foreign cryptocurrency market exchanges and block
chains. In October 2017, Ulsan Institute of Science and Technology and Chosun University signed a block-chain research
agreement with the company.
History
Jul 2017. the foundation of Block Bank
Oct 2017. the open of Open Source for Ethereum Linker
Oct 2017. the open of specification for Korean Exchange, Coin X.
Nov 2017. the issue of Linker Coin
Dec 2017. the open of specification for Bitnaru International Exchange.
Dec 2017. the development of BIT NARU International Exchange
Dec 2017. the open of COIN X beta service

Blockbank is a developer of the Linker Coin project, which aims to “connect cryptocurrency around the world." It is
also preparing to open Coin X, a domestic cryptocurrency exchange. Bitnaru is a multi-platform exchange that can
be traded in currencies of various countries. It can process more than 1 million simultaneous orders per second. The
market maker team provides liquidity to exchanges. Bitnaru encrypts all the details of the exchange, including customer
information, and has enhanced internal security with a multi-level administrator approval level system. In addition to
internal security, external security is checked by periodic exchange security checks from independent security companies
to build a secure security system against hacking attacks. "Easy Trading" for the novice users who have difficulty in using
the cryptocurrency exchange and a special trading platform capable of ordering more than 20 kinds for the trading
professionals are in the process of official launching. Blockbank is developing the Distributed Exchange (DEX) as well as
the domestic and foreign cryptocurrency exchanges, and plans to establish a global virtual money network that connects
all the virtual money in the world in the near future.
-Korea : ‌Ulsan National Institute of Science and Technology and Chosun University
-Foreign Countries : ‌MITO (Eco-friendly Business Funding Platform), UTRUST (Virtual Currency Electronic Payment
System), SkyCoin (Next Generation Virtual Currency), Aeron (Blockchain-based Navigation
Information System), Ambrosus (Food & Medical Supplies Distribution System), UniKoin Gold
(E-Sports Audience Participation Platform), HOQU (Blockchain-based Business/Marketing Alliance
Platform) and Achain (Alternative Asset Exchange Platform)
52
BlockchainOS Inc.
Representative Kim In-hwan Incorporation Date Nov 1st, 2015
Location 28, Nonhyeon-ro 98-gil, Gangnam-gu, Seoul, Republic of Korea
Web Page www.boscoin.io E-mail contact@boscoin.io Contact +82-2-545-2846
Enquiry Contact +82-10-5052-8500 Enquiry E-mail Dongsu.kim@blockchainos.org
Form of
Main Service Cryptocurrency Platform Fintech Area BlockChain B2B/B2C
Business
Introduction
Block Chain OS is a block-chain specialized company which developed BOScoin, a cryptocurrency platform. BOScoin is a
self-evolving cryptocurrency platform based on trust contracts. A trust contract is a program that runs automatically on
a block chain similar to a Smart Contract, allowing a non-professional user to create a secure self-evolving system that
is not hacked on the block chain. Block Chain OS developed a self-evolving cryptocurrency platform based on the belief
that it is virtually impossible to predict the future. The BOScoin is also equipped with the Congress Network, a decision-
making body, to adapt continuously to changes in the environment. In June 2017, the block-chain OS procured Initial Coin
Offering (ICO) funds from around the world.
History
Nov 2015. Foundation of BlockchainOS Inc.
Apr 2017. Concluded a business cooperation agreement for BOScoin Project with EYC3.
May 2017. Concluded a strategic alliance agreement with Cosmos Inc.
Jun 2017. Completed the funding through ICO.

Block Chain OS developped a self-evolving cryptocurrency platform ‘BosCoin,’ and it is funded by global investors. BosCin
has selected Owlchain, which is a trust contract equipped with decidability function, based on secured programming
framework. Owlchain guarantees a secured operation of trust contracts nad it solves problems attributed to
undecidability in existing smart contracts.
It selected Congress Network to improve governance issues in dispersed organizations, and to make environments evolve
to be stronger.
Block Chain OS manages Stardaq, which predicts celebrities’ popularities. Popularity score of a celebrity is expressed as
index, and users can bet whether a popularity of a celebrity can go up or down. Betting is only allowed within BosCoin.
BosCoin applies Delicracy platform. Delicracy platform is a system where any group or organization can apply to make
group decisions. Users can participate in group decisions by betting on suggested options. The most selected betting
option is chosen and this method can increase transparency and participation rate in group decision makings.
-Korea : ‌EY (Financial Consulting Service) and K Startup Valley (Startup News Media)
-Foreign Countries : ‌Yahoo (IT Company), Cosmos (Blockchain), Marketwatch (General Economy Media Group), Finet
(Others), Intel-lasia (Others), Business Wire (Press) and Blockchainnews (Press)

BLOCKO Inc.
Representative Kim Won-bum Incorporation Date Dec 1st, 2014
Location 8, Seongnam-daero 331beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 902, KINS Tower)
Web Page www.blocko.io E-mail support@blocko.io Contact +82-31-8016-6253
Enquiry Contact +82-31-8016-6253 Enquiry E-mail ymlee@blocko.io
Form of
Main Service Blockchain Platform Fintech Area BlockChain B2B
Business
Introduction
BLOCKO Inc. is a start-up company which developed and offers a corporate block-chain platform called CoinStack.
Launched on July 2015, CoinStack is a middleware for the construction of block chain-based service and application
in various industrial fields, offering SDK (Software Development Kit) and Integrated Block Chain Technology Stack. It
acquired block-chain GS certificate from ISO international certificate and attracted investments from Samsung Ventures,
Intervest, oneweek investment partners, and daesung business investment.
History
Dec 2014. The foundation of BLOCKO and the launching of blockchain search engine, ‘Watch’.
2015. Selected as the governmen-sponsored enterprise (KISA).
2015. The release of Baas (Blockchain-as-a-Service) solution, ‘Coin Stack’.
2016. The acquisition of block chain GS certificate (ISO International Certificate).
2016. The award of Special Prize in the 2016 KISA Internet Contest.
2016. The attraction of Series A Funding from Samsung Venture Investment (1.5 billion won)
2016. The attraction of 3 billion won investment from Interbest, Daesung Private Equity Inc. and Won Ik Investment
Partners.

BLOCKO Inc. developed a block-chain solution, Coin Stack that helps companies adopt and deploy technology. Coinstack
is a private block-chain that enhances functionality and performance as a universal distributed ledger in an enterprise
environment based on bitcoin. Coinstack Enterprise provides development, management, and monitoring tools,
such as SDKs and manuals, that are required to build or interoperate with public, private, and consortium block-chain
environments. It has a smart contract-based device identification, authentication and control solution for establishing
IoT, and has a supply chain solution that provides functions such as production, processing, distribution and traceability
of goods. Distributed file systems based on distributed ledger technology are introducing distributed database and data
analysis solutions. It also provides solutions that support digital voting solutions, personal authentication, and electronic
document authentication, which are equipped with mediation platforms and smart contract functions for various asset
registration and transactions such as stocks, passwords, real estate, and energy.
-Korea : ‌Korea Exchange (Marketable Securities Exchange), Jeon Buk Bank (Financial Institution), Lotte Card Co., Ltd.
(Financial Institution), PayGate (Electronic Payment), Samsung Card (Financial Institution), Shinhan Data System
(Financial Institution), Hyundai Card (Financial Institution), Hyundai Auto Ever (IT Company) and LGCNS (IT
Company)
-Foreign Countries : Cisco (Information and Communications)
54
BluepanNet Inc.
Representative Seo Dong-uk and An Chan-soo Incorporation Date May 16th, 2015
Location 581, Gangnam-daero, Seocho-gu, Seoul, Republic of Korea (6F, Puren Building)
Web Page www.Bluepan.net E-mail sdw@bluepan.net Contact +82-2-544-7055
Enquiry Contact +82-10-3727-8180 Enquiry E-mail sdw@bluepan.net
Form of
Main Service Pay Phil and Pay 86 Fintech Area Remittance (Overseas) B2B/B2C
Business
Introduction
BluepanNet Inc. is the first Korean block chain-based overseas remittance company. It has completed about 150,000
remittance services for two years, achieving total remittance 80 billion won as at July 2017. It can reduce the charge of
remittance by up to 90 percent and the time of overseas remittance from up to 7 days to only ten minutes, compared
to existing commercial banks. BluepanNet is expanding its support to China in April 2016 and Vietnam in March
2017, starting with overseas remittances to the Philippines in May 2015. In February 2017, we launched a Korean
inbound remittance service in Japan. In August 2017, a worldwide sender showed a platform to use BluepanNet as an
intermediary to send money. Also, it is in course of preparation for cryptocurrency exchange and block chain-related
businesses as well as overseas remittance.
History
May 2015. The foundation of Payphil.net and the launching of Philippine remittance service.
Apr 2016. The launching of Pay86.net for the Chinese remittance service.
Oct 2016. The launching of Paykorea.co for the remittance service to Korea from anywhere in the world
Feb 2017. The implementation of JP-KO Inbound Remittance Service
Mar 2017. The launching of Payvietnam.net for Vietnamese remittance service
Aug 2017. The start of BluepanNet Block Chain Network Business
Aug 2017. The launching of platform for the remittance from and to any remittance companies in the world through
BluepanNet as agency.

BluepanNet is providing international remittance services focusing on countries such as the Philippines, China, and
Vietnam. Payphil, a Philippine remittance service, will process the transfer for a short time of 10 minutes at the latest.
The transfer fee is 1.88%, which is less than half that of banks, which is more than 5%. The fee rate is as low as 1/10.
Service is available 24 hours a day, 365 days a year. For international remittance, the available channels are Bank, Alipay,
WeChatPay, PayPal, and Line Pay. You can apply for remittance on your desktop PC as well as on the mobile web.
BluepanNet does not require Active-X or official certificates. You can apply for remittance with one click, and you can
check the status of remittance in real time. Real-time exchange rates are provided through the web site.
-Korea : ‌IBK Industrial Bank (Financial Institution) and Gwangju Bank (Financial Institution)

Bluevisor Inc.
Representative Hwang Yong-guk and Jung Woo-jin Incorporation Date Aug 26th, 2016
Location 91, Gwahaksandan 2-ro 20beon-gil, Gangseo-gu, Busan, Republic of Korea (101-2502)
Web Page www.highbuff.com E-mail help@bluevisor.kr Contact +82-51-931-1558
Enquiry Contact +82-51-931-1558 Enquiry E-mail help@bluevisor.kr
Form of
Main Service Fintech and Robo-advisor Fintech Area Robo-Advisor B2B
Business
Introduction
Blue Visor is a fintech company that develops and distributes Big Data and Machine Learning based on a robo-advisor
platform. Blue Visor filed a patent for a cloud server based on ‘2016 cloud server advisor’, and was selected as a promising
start-up by the 2017 Pusan City Human Resource Development Project. Highbuff, a robo-advisor developed by Blue
Visor, achieved a 16% return and a turnover rate of 1,400% in the second Koscom Robo-Advisor testbed in 2017, and
took first place.
History
Aug 2016. The foundation of Bluevisor Inc.
Nov 2016. Applied the patent of ‘Cloud Server-based Robo-Advisor’.
Apr 2017. Participated into the robo-advisor test bed.
Jul 2017. Selected as the fintech project support team (Busan Global Fintech Industry Promotion Center)
Nov 2017. Attracted the investment and converted into the corporation.
Dec 2017. Acquired the certificate of robo-advisor test bed (Koscom)
Jan 2018. Participated into the third robo-advisor test bed using two algorithms (Koscom)

Blue Visor is a provider of robo-advisor platforms. 'High Buff', a robo-advisor service offered by Blue Visor, is a fully
automated, entrusting robotic advisor system that requires no human intervention. It benchmarks medallion funds
managed by James Simons, a world-class mathematician and system trading expert, collect and aggregate financial big
data through the cloud system, and weighs the weights derived from hundreds of thousands of back tests through CNN
techniques to predict rapidly changing financial markets and an algorithm for re-balancing. The assets it operates are
domestic stocks, bonds, ETFs, and foreign futures. Depending on the type of investment, stable stocks consist of 30%
of stocks, 50% of risk-neutral ones, and 70% of active investment. The biggest difference between High Buff and other
robo-advisors is the real time market response system and H.F.T system that can cope with the rapidly changing market.
It records a short rebalancing cycle and high turnover rate and achieves reliable high yields through the test bed. The
Koscom Robo-Advisor test bed, which acknowledges the suitability of the robo-advisor in Korea, achieved a high return
(16%) and a turnover rate (1400%). When a non-face-to-face contract with a robot advisor is allowed, the blogger will
provide a platform for anyone to easily apply for and use the robot advisor service with a low investment amount (over
one million won).
-Korea : ‌KOSCOM (Special Financial Corporation), Ebest Investment Securities (Securities Company), Korea Securities
Depository (Special Financial Corporation) and Global Fintech Industry Promotion Agency (Nonprofit
Corporation)
-Foreign Countries : ‌Renaissance Technology (Hedge Find)
56
BMI Tech
Representative Choi Yo-seok Incorporation Date May 28th, 2014
Location 12, Choansan-ro, Nowon-gu, Seoul, Republic of Korea (Room No. 527, 1st Engineering Building, Induk University)
Web Page www.bmitech.co.kr E-mail yosebi@naver.com Contact +82-70-4193- 5803
Enquiry Contact +82-10-7271-5803 Enquiry E-mail yosebi@naver.com
Voice-Fishing Protection Form of

Main Service Solution and Location-based Fintech Area Security/Authentication B2B/B2C
Cell Phone Certificate Business
Introduction
BMI TECH is developing a contract authentication platform using location information to provide secure services in
financial transactions and e-commerce transactions. The company has developed 'self-certification and self-signed
signature verification service using location basis which is applied to all contracts of financial institutions. In the past, it was
impossible to know whether the parties signed the contract at the same place. However, applying the system developed
by BMIITECH can prevent false contracts in face-to-face contracts and block the proxy signatures of customers. BMI TECH
is working with various financial institutions and IT companies to develop Internet-based smart content and offer services
and solutions that link both on-line and off-line. SK Telecom participated in the start-up support program "Bravo Restart",
which was launched for middle-aged and elderly people.
History
Jan 2014. Selected as a recommendation idea (patent) by Ministry of Science, ICT and Future Planning
Apr 2014. The award in ICT Contest (SK Telecom)
May 2014. The establishment of BMI Tech
Mar 2015. The conclusion of MOU agreement with Shinhan Data System
Aug 2015. The participation into the Fintech Security Section in Demo Day

BMI TECH develops and supplies location-based mobile phone authentication systems. Location-based authentication
solutions provide non-repudiation capabilities to prevent financial fraud and disputes when entering into contracts
with financial institutions. It can be applied to all contracts such as real estate, finance, and used car sales which require
authentication. BMI TECH has registered two related patents. The beacon courier service sends the content set in the
beacon when the smart phone of the application and the Bluetooth enabled customer receives the nearby beacon signal
and uses the secure number mapped to the actual number of the customer to be received. You can receive your courier
safely and you can easily check the delivery status. It also has the effect of improving the work environment of the courier.
It also provides a phishing protection solution using voice recognition systems and third-party calls. Detecting specific
words in the conversation and detecting the voice phishing is transmitted. If necessary, voice phishing is prevented by
automatically connecting the conversation to a third party such as the Financial Supervisory Service or the police or a
family member.
-Korea : ‌Shinhan Data System (Financial Institution)

Bplus
Representative Park Gi-bum Incorporation Date Mar, 2016
Location 20, Wangsimni-ro 2-gil, Seongdong-gu, Seoul, Republic of Korea
Web Page www.benefitplus.kr E-mail info@benefitplus.kr Contact +82-2-733-0703
Enquiry Contact +82-2-733-0703 Enquiry E-mail info@benefitplus.kr
Form of
Business
Introduction
Bplus is a peer-to-peer financial platform that connects investors with projects that create social impact. Bplus has the
meaning of "Benefit Plus" and serves as a bridge for public interest projects that seek growth, as well as investors who are
concerned about social value as well as profits. By creating projects that solve diverse social issues in a business way, they
can create value and provide stable returns. In 2017, it was selected as a social investment fund lending institution. It is a
project to finance a social venture, a social economic organization located in Seoul, or a public interest project in which
social benefits come to Seoul citizens, by matching the funding amount of Bplus and social investment funds.
History
Mar 2016. Established B Plus Inc.
Apr 2016. Attracted the investment from Sopoong Inc.
Jun 2016. Launched the platform open funding
Dec 2016. Selected as Seongdong-gu Regional Cooperation Funding Business
Feb 2017. Selected as 2017 Social Enterpriser Support Business
Mar 2017. Joined Korea P2P Financial Association

Bplus provides loan-type crowd funding for social ventures. Bplus targets companies that create social impact. Unlike
general companies, these companies have difficulty in pursuing revenue and creating impacts (solving social problems) at
the same time. Most SMEs do not have a credit history or they do not have collateral or guaranteed capacity. Therefore,
when applying for a loan to the general banks, it was likely to be refused of the loan or to asked to pay a high interest
rate. Bplus plots the company with social impact with treasury. The 'Bplus score' adopted by Bplus is the score related to
the loan applications calculated from the self-evaluation system based on various information of the applicant company.
The final score is calculated by taking into account the social impact, financial and non-financial status, credit information
and other information created by the company. The loan interest rate is determined at a level that can be borne by the
social impact creation project. This rate is controlled by the social impact creation levels and other credit ratings.
-Korea : ‌Sopoong Inc. (Impact Investment), Korea P2P Financial Association (P2P Business Support) and Korea Social
Enterprise Promotion Agency (Social Enterprise Support)
58
BRANDOM
Representative Kim Tae-jin Incorporation Date Mar 29th, 2013
Location 114, Beobwon-ro, Songpa-gu, Seoul, Republic of Korea (Room No. 512, Tower A, M State Building)
Web Page www.brandom.co.kr E-mail Ares65@brandom.co.kr Contact +82-2-521-2629
Enquiry Contact +82-10-4019-0226 Enquiry E-mail kclee@brandom.co.kr
Rail Money and Mobile HCE Form of

Main Service Fintech Area Financial Platform B2B/B2C
Transportation Card Business
Introduction
Brandom is a mobile solution provider that provides activation and trading systems using short range wireless (NFC) tags.
It develops traffic card service using HCE (Host Card Emulation) necessary for mobile payment, and introduces traffic card
recharging service using NFC. It was selected as a research and development project by the Small and Medium Business
Administration and secured the basis for the verification service using NFC. In 2016, it was selected as an excelling
company by the Seoul Industrial Promotion Agency. In 2015, it provided Korail Rail Plus transportation card mobile
recharge service, and in 2017 it launched Shinhan Card's mobile transportation card service.
History
Jun 2013. The development of NFC activation certificate application, 'Brand Security'.
Aug 2014. Selected as the business service R&D business for the government project by Small and Medium Business
Administration (NFC-based activation certificate system).
Mar 2015. The launching of KORAIL Rail Plus transportation card mobile charging service.
Oct 2015. T he supply of 'Seongsu Handmade Shoes Activation Certificate System' (Seoul Business Agency)
Nov 2015. Selected as the startup customized commercialization support business (Small and Medium Business
Administration)
Oct 2016. S elected as the accelerating company (Seoul Business Agency)
Sep 2017. The launching of Shinhan Card FAN mobile transportation card service.

The NFC-based activation service, "Brand Security," is an NFC-based mobile service that provides brand registration as well
as activation of branded products. Rail Money is a KORAIL nationwide transportation card and a rail plus mobile charging
service. By using the NFC function of the smartphone, one can check the remaining balance and payment details of
the KORAIL nationwide compatible transportation card Rail Plus Traffic Card and easily charge the fee. The Raleigh
Money user can turn on the NFC function of his/her smartphone and contact his Rail Plus Traffic Card on the back of
the smartphone to view the balance of the transportation card and the charge and payment history. Rail Money also
offers the ability to view the balance and transaction history of other transportation cards, such as T-money, Cashbee.
Even those who use other transportation cards can easily check the balance of the card. It also provides 'Petbook', an
information management service based on NFC smart tag. 'Petbook' is an integrated on-off-mobile application that
provides information management services such as profile, diary, photo and article of companion animals through smart
tag.
-Korea : ‌Shinhan Card (Financial Institution), Shinhan Financial Group (Financial Institution), Shinhan Data System (Financial
Institution), Hyundai Card (Financial Institution), Korean Railroad Corporation (Public Institution), Korail Networks
(Service), KSNET (Payment Solution) and Danal Inc. (Phone Payment)

BRIDGE FUNDING
Representative Lee Sang-hoon and Lee Sung-geun Incorporation Date Mar 25th, 2016
Location 5, Bongeunsa-ro 37-gil, Gangnam-gu, Seoul, Republic of Korea (Room No. 502, Taeyang Building)
Web Page www.bridgefunding.co.kr E-mail cs@bridgefunding.co.kr Contact +82-2-6203-1234
Enquiry Contact +82-2-6203-4474 Enquiry E-mail sh.kwon@bridgefunding.co.kr
Form of
Main Service P2P Platform Fintech Area P2P Finance B2B/B2C
Business
Introduction
Bridge funding is an online platform provider that supports investment and loan by peer-to-peer (P2P) method. With
a goal of becoming a "bridge of finance for a better world," through P2P funding, the company plans to provide the
most reasonable financial solution for both investors and borrowers. Bridge funding is an automotive P2P platform. Any
car owner can get a loan at an 8% interest rate. One can enter the manufacturer, car model, yearly model, acquisition
price, etc. to know the loanable amount. Bridge Funding is analyzing various factors, including personal credit rating,
to strictly select those with debt fulfillment requirements and reduce the risk of investors by setting up mortgages on
collateralized vehicles. In addition, it is preventing financial accidents through ongoing management such as repayment
and delinquency management. It is developing for advanced technology to create self-rating measuring algorithm.
History
Mar 2016. The foundation of BRIDGE FUNDING
Nov 2016. The launching of service
May 2017. The attraction of investment from Korea Technology Finance Corporation and selected as the venture
company.

Bridge Funding introduced P2P financial services for the first time in Korea. The mortgage lending of the existing financial
institutions was costly due to high interest rates. However, bridge funding can be borrowed with a reasonable interest
rate of 10% for any car owner. In addition, bridge funding offers a new investment destination that can expect a return
on investment of 10% while low interest rates continue. Because the company invests in loans secured by automobiles,
there is little risk from debt default. Bridge funding provides easy, simple but secure services. Loans and investments are
made at any time via the web and mobile. All transactions are secured through virtual account system of PayGate.
-Korea : ‌NICE Information Service Co., Ltd (Credit Rating) and PayGate (Electronic Payment)
60
BrilliantTS
Representative Bae Jae-hoon Incorporation Date Apr 1st, 2012
Location 331, Pangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (4F ABN Building)
Web Page www.brilliantts.com E-mail info@brilliantts.com Contact +82-31-606-5210
Enquiry Contact +82-10-3436-4724 Enquiry E-mail claude.kim@brilliantts.com
Form of
Main Service Smart Multi-Card Fintech Area Financial Platform B2B/B2C
Business
Introduction
BrilliantTS started the development of smart multi-card in 2013 and worked for two development projects of smart
multi-card with a Korean credit card company and a large international electronics company in 2014. In 2015, it
succeeded in attracting the investment from KTB Network, LB Investment and KDB which were considered one of the
largest investment companies in Korea; it was selected as ‘Industrial Convergence Leading Company’ by the Ministry of
Trade, Industry and Energy for our top-level technologies. Also, it is included to A+ Group in Korea Technology Finance
Corporation for ‘Smart Multi-card’ technology in 2016. It invented ‘Fuze Card’ based on these technologies and achieved
2.2 million dollar sales from INDIEGOGO, the largest crowding fund platform in U.S.A., which marked the top 0.01
percent across the world. Due to these efforts, ‘Fuze Card’ has received lots of attentions and love from customers
History
Apr 2012. The foundation of Brilliant TS Inc.
Nov 2012. The acquisition of KC certificate (Korea Testing & Research Institute) and KCC certificate (National Radio
Research Agency)
Jan 2013. The release of Daum TV Inside Smart TV
Feb 2014. T he conclusion of supply agreement for the development of mobile payment system and software with
Bullsone
Apr 2014. T he registration as a cooperative company for LG U+ and the conclusion of development agreement for the
prototype of smart multi-card.
Apr 2015. The award of excellent prize in the Fintech Korea Challenge (KOSCOM)
May 2016. Selected as the innovative technology development business in the creative economy valley (Ministry of
Science, ICT and Future Planning)
Sep 2017. The conclusion of business cooperation agreement for the virtual currency payment platform with Proof.

A complex multi-card with a variety of functions, Brilliant Card is a smart multi-card which integrates various payment
information, (including credit card, cash card and debit card) into one card. Its appearance (ISO/IEC 780,7816) and its
track code of magnetic card (ISO/IEC7813) are in accordance with the standard of card while it can be compatible with
EMV, a practical standard of credit card. The company is in process of developing a platform where cryptocurrency can
be used in real worlds. Fuze x Card will support bit-coin or etherium like cryptocurrencies in a way that people use credit
or check cards.
-Foreign Countries : ‌MAS Holdings (Others) and GSM (Others)

BTWorks Inc.
Representative Kwon Oh-Jun Incorporation Date Sep 12th, 2002
Location 233, Daehak-ro, Yuseong-gu, Daejeon, Republic of Korea (Mijin Building)
Web Page www.btworks.co.kr E-mail ojkwon@btworks.co.kr Contact +82-2-2644-6746
Enquiry Contact +82-10-9032-6959 Enquiry E-mail mkang@btworks.co.kr
Fintech Security/ Form of

Main Service Fintech Area Security/Authentication B2B
Authentication Solution Business
Introduction
BTWorks is an IT security specialist, providing secure services in smart mobile environment. The company is continuously
developing convenient and secure smart authentication and security solutions suitable for fin-tech services such as
biometric authentication, OAuth linkage, smart watch banking, smart integrated authentication, and application
topology and tamper prevention. In 2014, the company launched the first smart phone banking service in Korea. A
number of patents have been registered such as 'authentication and non-repudiation and its service method'
History
Sep 2002. Established BT Works Inc.
2010. BTW-SSO was selected as a national security product (National Intelligence Service)
2010. Established Smart Banking Security System for NH Bank, KEB Hana Bank, Woori Bank, Shinhan Bank, SC Bank
and others.
2010. Developed Smart SSO, Mobile Application for the prevention against forgery and tamper, Anti-Smishing
System with NH Bank.
2014. released the first Korean smart watch banking in the financial sector (NH Bank, Woori Bank and others)
2016. Acquired FIDO Alliance UAF Certification
2016. Registered the 23rd patent of Authentication and Non-repudiation (Public Certification Alternative
Technology)

BTWorks is a professional IT security developer. Representative solutions include BTW-FIDO simple signatures and
BTW-open access. The BTW-FIDO Simple Signature Solution is a simple and secure authorized certificate replacement
technology suitable for fin tech services. According to FIDO standard, it fuses with electronic signature technology
using biometric information to strengthen user authentication and provides non-repudiation function. It is a certified
authentication alternative solution developed by BTWorks' own technology and certified by FIDO Alliance interoperability
test. Biometrics information is not leaked out of the smart phone, so it is more secure than the official certificate, and
the reliability of the non-repudiation prevention is secured by applying the block chain and the verification point of the
authorized certificate authority. BTW-Open Access supports the ability to provide external services based on customer
information held by financial institutions. The company provides management and authorization of information access
rights for secure and easy service linkage with fin tech. Access tokens based on OAS 2.0 (OAuth 2.0) can be used to
exchange user information and financial service information between different institutions, and to provide secure
information linkage through end-to-end encryption.
-Korea : ‌Shinhan Bank (financial institution), BNK Pusan Bank (financial institution), Kookmin Bank (financial institution),
Gwangju Bank (financial institution), National Federation of Fisheries Cooperatives (financial institution), Korea
Financial Telecommunications & Clearings Institute (special financial corporation), IBK Bank (financial institution),
National Agricultural Cooperative Federation Bank (financial institution), Woori Bank (financial institution) and
KEB Hana Bank (financial institution).
62
Buildonfunding
Representative Kim Hee-jin Incorporation Date Oct 12th, 2016
Location 22, Nambusunhwan-ro 347-gil, Seocho-gu, Seoul, Republic of Korea (7F, Changwon Building)
Web Page www.buildonfunding.com E-mail ask@buildonfunding.com Contact +82-2-6203-4466
Enquiry Contact +82-10-8891-4781 Enquiry E-mail ceo@buildonfunding.com
Online Small Investment Form of

Agency Business
Introduction
Buildon is a real estate-based P2P (peer to peer) platform. It was established by experienced experts in the real estate
consulting, the construction, the non-performing loan, the auction, the brokerage and others to focus on the project
financing. Through the close examination of experts in each field, it is possible to find promising products and make
it easy for anyone to easily invest through the platform and provide opportunities to enjoy high profits for commercial
products. It is aiming for a win-win model between the company and investor members by establishing a community
among members, funding through interactive communication, and promoting a win-win model.
History
Sep 2016. Established Build on Funding Inc.
Oct 2016. Released the beta service
Dec 2016. Registered as a regular member in P2P financial association
Jan 2017. Released the first product
Oct 2017. Achieved total 3 billion won of amount to be raised

Buildon operates BuildonFunding, a real estate P2P financial platform that connects mortgage lenders and individual
investors who want to run real estate development projects or mortgage real estate. BuildonFunding is a P2P financing
system that specializes in real estate. It provides real estate as collateral to individuals who want funds and individuals who
want to invest. It provides the necessary funds to the lenders with reasonable interest rates. BuildonFunding uses NH
Bank's third-party depository system and virtual account API to manage investors' funds more securely. BuildonFunding
offers investment products with an annual return of about 10-18%. The investment period varies from 3 to 12 months,
and the investment period is adjusted depending on the product. The minimum investment amount is from 1 million
won, and the investment is made in the unit of 1 million won.
-Korea : ‌NH Nonghyp Bank (Financial Institution)

C&TECH
Representative Lee Jung-hoon Incorporation Date Jun 28th, 2012
Location 291, Daehak-ro, Yuseong-gu, Daejeon, Republic of Korea (Room No. 809, National Nano Fab Center)
Web Page www.iot-cntech.com E-mail info@cntech.pro Contact +82-42-862-0142
Enquiry Contact +82-10-5625-5929 Enquiry E-mail sbchae@cntech.pro
Form of
Main Service Chattel Mortgage Solution Fintech Area Others B2B
Business
Introduction
C&TECH is industrial IoT specialist company. It provides real estate asset management solutions to overcome the limit
of manpower management and the absence of financial product management. Using the low power management
terminal, the company developed “CN-100”, a chattel mortgage management terminal, to check the state information
of mortgage, including movement and operation method, in real time and now works for the beta test in Hana Bank. In
addition, it has developed “CN-200”, a mold management terminal, due to the development request of Hwashin Inc. to
lead the asset management platform industry.
History
Jun 2012. The foundation of C&TECH Inc.
Sep 2013. The development of terminal beta version.
Nov 2013. The conclusion of agreement and letter of purchase intent with IBK Industrial Bank.
Mar 2014. The conclusion of MOU agreement with SKT telecom.
Jun 2015. The conclusion of MOU agreement with Korea Machinery Auction & Exchange
2015. The development of Smart Machinery Management Service Solution
2017. The conclusion of terminal development agreement with Hwashin Inc.

C&TECH provides unmanned remote management services for mortgage security. C&TECH's Smart Machinery
Monitoring System is a system that can monitor physical status in real time to preserve high value of machine assets. The
unmanned remote management system consists of a dedicated terminal (CN-100) and a monitoring system using web
and app. By attaching a terminal to managed mortgage collateral, you can always check the location and status of the
collateral without having to visit it personally. In addition to preventing the theft of the collateral, if the collateral does not
operate normally, it can prevent damage by collecting the bonds. A machine management solution is a system that can
monitor the physical state in real time to protect the value of high-value machine assets.
-Korea : Hwashin Group (Manufacturing), Blue Point Partners (Investment Company), KAIST (Educational Institution),
Daegu Gyeongbuk Institute of Science & Technology (Educational Institution), SK Telecom (Telecommunication
Company) and Namsun.
64
Certon Corp.
Representative Kim Seung-gi and Park Gyeong-ok Incorporation Date May 31st, 2016
Location 207, Dosan-daero, Gangnam-gu, Seoul, Republic of Korea (7F, Sungdo Building)
Web Page www.certon.co.kr E-mail contact@certon.co.kr Contact +82-2-564-9559
Enquiry Contact +82-10-9920-5574 Enquiry E-mail haaa1207@certon.co.kr
Virtual Currency Exchange, FIDO-based PKI Form of

Main Service Authentication Platform and Block Chain-based Fintech Area BlockChain B2B/B2C
Medical Proof Application/Issuing Service Business
Introduction
Certon, started as an ICT based authentication development company with a public key-based infrastructure, is focusing
on block-chain business.
It manages business in information communication, finance, and technology development. Recently, it is focusing on
enhancement of block-chain as well as FIDO (Fast Identity Online) platform.
It has developed a multidimensional block-chain system called ‘X.Chain,’ and it registered patents on block-chain system
as well as data management method utilizing block-chain technology.
It also provides an exchange for cryptocurrencies. It jointly established a cryptocurrency exchange with Glosper.
History
May 2016. The establishment of Founders Gate Corp.
Dec 2016. The change of company name into CertOn Corp.
Jan 2017. The launching of CERTON FIDO Open API Platform Ver 1.0
Apr 2017. The development of multi-dimensional blockchain system, ‘X.Chain’.
May 2017. The application of 1 patent (‘Block Chain System and Blockchain-based Data Management Method’) and the
conclusion of joint business agreement for ‘Medical Verficiation Service’.
Oct 2017. The establishment of joint corporation for the global virtual currency exchange with Glosfer Corp.

Certon works mainly on the development of block-chain technology and the operation of a cryptocurrency exchange,
and operates a cryptocurrency called CoinLink. CoinLink is the first cryptocurrency exchange operated by KOSDAQ-
listed company and launched a beta service in September 2017 by applying a high-security solution. CoinLink, which
means 'Linking Coin to the World', plans to foster the ability to connect all the cryptocurrencies around the world. The
Smart-pass-on solution from Certon provides a robust security environment based on FIDO, PKI, and block chains. Open
API service is used to provide everything needed to build a security system related to financial technology such as user
authentication between users, electronic document management, and block chain. X.Chain, to which its own patent is
applied, is a multi-dimensional block-chain platform. The document generation forms a main block-chain, and the history
of each document is formed to form a sub-block-chain for each generated document. It is a design structure optimized
for mobile and digital contents.
-Korea : ‌Forth Link (Manufacturing), Samsung SDS (IT Service), SK Infosec (Security Consulting), LG U+
(Telecommunication Company), NH Nonghyup Bank (Financial Institution), LG CNS (IT Consulting) and 4C gate
(Hospital Kiosk)
-Foreign Countries : ‌Wilton Coin (Virtual Currency), Playkey (Cloud Gaming) and H Cash (Virtual Currency)

Chain Partners Inc.
Representative Pyo Chul-min Incorporation Date Aug 1st, 2017
Location 343, Samil-daero, Jung-gu, Seoul, Republic of Korea (15F, Daeshin Finance Center)
Web Page www.chain.partners E-mail pyo@chain.partners Contact +82-2-338-3389
Enquiry Contact +82-10-2282-0071 Enquiry E-mail contact@chain.partners
Form of
Main Service Block Chain Business Fintech Area BlockChain B2C
Business
Introduction
Founded in 2017, Chain Partners is specialized in the block-chain technology and business. Entrepreneurs and Google-
based development team have experience in establishing, managing and selling blockchain-related companies.
Specifically, it has managed a business directly and made investment in a new growth engine based on its research
materials; also, it has established the vision to realize the practical potentials of block-chain technology and
cryptocurrency. Chain Partners will expand its global experience in Korea by leveraging global networks (including
Switzerland, Singapore and the United States) and will pioneer a block-chain business area that is emerging between
pure technology companies and traditional industrial businesses. In 2017, it attracted 2 billion won investment from DSC
Investment, Capstone Partners and DS Asset Management.
History
Aug 2017. The establishment of Chain Partners Corp.
Aug 2017. The attraction of angel investment.
Nov 2017. The attraction of 2 billion investment from DCS Investment, Capstone Partners and DS Asset Management.

Chain Partners, a company specializing in the field of block-chain, has developed 'Coin Duck', which implements
payment and wallet functions. It plans to develop services that can be felt in real life and show unlimited functions of the
block-chain to society. CoinDuck is a service that Chain Partners will challenge for the first commercialization in Korea
with Etherium-based offline virtual currency. It is a virtual money settlement service that enables you to use Etherium
to pay for goods and services in all offline stores nationwide. It is characterized by instant on block-chain payment
technology. CoinDuck provides convenience by determining the transaction immediately after settlement with deep-
learning technology and processing the transaction that block-chain expects to verify as a normal settlement. With this
technology, it takes an average of five seconds for the billing customer to send the remittance and check with the store
manager. It is shortened by more than one tenth of the time taken in the existing virtual money settlement system.
In addition to all mobile electronic wallets, you can also use CoinDuk's Etherium payment system through overseas
exchanges.
-Korea : ‌Shinhan Financial Holdings (Financial Institution), KB Financial Group (Financial Institution), DSC Investment
(Financial Institution), CAPSTONE (Financial Institution) and INBlockchain (Financial Institution)
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CMSOFT Co., Ltd.
Representative Lee Jong-Hoon Incorporation Date Feb 28th, 2008
Location 129, Yangjaecheon-ro, Seocho-gu, Seoul, Republic of Korea(2F, Park Center, Yangjae-dong)
Web Page www.cmsoft.co.kr E-mail master@cmsoft.co.kr Contact +82-2-3463-3052
Enquiry Contact +82-10-9430-6991 Enquiry E-mail hashin@cmsoft.co.kr
Integrated Inspection Form of Software Development

Main Service Information System Fintech Area Others
Business and Supply
(SMARTPlus)
Introduction
It is a business intelligence (BI) related software company that analyzes and evaluates the risk factors of companies and
provides knowledge information.
It is a specialized company that builds and supplies fraud detection system, internal control and audit system for financial,
public and general companies. It has established standardized business processes that encompass financial, public, and
corporate auditing, and is introducing an integrated audit information solution that provides automation and efficiency
of auditing tasks. In particular, the company is making efforts to improve the efficiency of its customers' business by
focusing on various internal business real-time management services through a risk-based monitoring system. Currently,
the copyright of various programs such as Smart Plus is registered.
History
2008. ‌Establishment of CMSOFT Co., Ltd
2009. ‌Registration of program patents (SMARTPlusand 6 other patents)
2010. ‌1 patent registration (Inspection of leaking information through e-mail) and 2 patent applications
2014. ‌Registration of program patents (SMARTFds and 4 other patents)
2015. ‌Distributive research withAjou University (Deep learning based FDS research development)
2017. ‌Selected as an industry-university research project
(Support for detection system of abnormalfinancial transaction, using machinelearning)

CMSOFT Co. Ltd. develops and supplies software to reduce various risk factors.
Smart FDS (Fraud Detection System) is a system that detects suspicious transactions and intercepts abnormal financial
transactions by comprehensively analyzing terminal information, IP address, and transaction contents used in electronic
financial transactions. Its characteristics are dashboard function, SMS • Call center connection, Operation status
monitoring, Business status and statistics, Menu and program management, User and group authority management,
Encryption algorithm, and etc.
SMART Compliance supports standardized compliance work process and check-up monitoring to improve the efficiency
of compliance activities, effective compliance and legal services, and enhanced internal control. It introduces an effective
inspection system through the process of preliminary monitoring of daily work and internal inspection and inspection.
Integrated Audit Information System (SMARTPlus) is an integrated audit information solution that provides automation
and efficiency of auditing tasks by establishing and functionalizing standardized business processes covering financial,
public and corporate auditing tasks. In particular, by providing a risk-based monitoring system, it is possible to establish
an accident prevention system that detects risk factors in advance by analyzing various internal tasks in real time. It
manages the entire lifecycle as well as asset management in real time. It can be applied to various industries, and it can be
managed efficiently in mobile app by applying location-based electronic chip such as dual NFC and RFID.
-Korea : ‌NH Nonghyup Bank (Financial Institution), Busan Bank (Financial Institution), Daegu Bank (Financial Institution),
Shinhan Bank (Financial Institution), Shinhan Life and Insurance (Financial Institution), Hyundai Marine &
Fire Insurance (Financial Institution), MG Indemnity Insurance (Financial Institution), Hyundai Card (Financial
Institution), Korea Expressway Corporation (Public Agency), STX (Trading Company), KT (Telecommunication),
SPC (Food Processing Industry) and others.

Coinnest
Representative Kim Ik-hwan Incorporation Date Apr 14th, 2017
Location 141, Sinchon-ro, Seodaemun-gu, Seoul, Republic of Korea
Web Page www.coinnest.co.kr E-mail info@coinnest.co.kr Contact +82-1599-1859
Enquiry Contact +82-10-7225-5114 Enquiry E-mail remy@coinnest.co.kr
Form of
Main Service Crypto currency trading Fintech Area BlockChain B2C
Business
Introduction
Coinnest operates a crypto exchange. The average daily transaction volume is 30 billion won. In addition to providing
crypto currency trading intermediaries such as bit-coin through web and mobile apps, it also works with various foreign
exchanges. Coinnest, which has managed to be one of top four largest exchanges in Korea and the 14th largest
exchange in the world, is the first domestic exchange to list promising Altcoins such as Quantum, Neo and Kyver.
Coinnest has entered into a technology agreement with BTCTRADE of China and has been evaluated as superior to any
domestic crypto currency exchange in terms of exchange stabilization and asset protection security.
History
Apr 2017. The foundation of Coinnest Inc.
Jun 2017. The launching of Coinnest service
Aug 2017. Listed on Qtum for the first time in Korea.
Sep 2017. The launching of virtual currency exchange mobile application for the first time in Korea
Oct 2017. Listed on Neo/Kyver for the first time in Korea
Oct 2017. Ranked as the 19th largest exchange (in terms of exchange volume)

Coinnest provides fast and secure trading of domestic and foreign cryptocurrencies. Coinnest, one of the four major
exchanges in Korea, is capable of prompt response through 24 hour monitoring service and features secure transaction
management. Coinnest, which provides high-security services through overseas renowned exchanges and technical
agreements, can trade the most kinds of cryptocurrencies in Korea.
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Coinone
Representative Cha Myeong-hoon Incorporation Date Feb 20th, 2014
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (19F, Three IFC)
Web Page www.coinone.com E-mail info@coinone.com Contact +82-1670-9756
Enquiry Contact +82-10-3775-3367 Enquiry E-mail wh@coinone.com
*Coinone – Crypto currency Form of

Main Service Exchange Fintech Area BlockChain B2B/B2C
*Cross – Overseas Remittance Business
Introduction
Coinone operates a crypto exchange. Our representative service is the Korean crypto exchange and the block-
chain overseas remittance service (‘CROSS’). Also, it has provided various services based on the block-chain and the
cryptocurrency (including Bit-Coin) Overseas Direct Purchase Center, Online/Offline Payment Solution and Bit-Coin
Securities Deposit Service.
History
Feb 2014. The establishment of Coinone
Oct 2014. The launching of Coinone Bit Coin Exchange servince
Apr 2016. The conclusion of blockchain technology MOU agreement with DAISHIN SECURITIES CO., LTD.
Mar 2017. The development of technology cooperation consortium for the financial world
Aug 2017. Listed on Coinone Bit Coin Cash (BCH) and Quantum (QTUM)
Sep 2017. The opening of Block Chain 4D Zone ‘Coinone Blocks’.

Coinone runs the crypto exchange business as its core business and operates other businesses as well.
Coinone Exchange provides an exchange service that allows you to trade crypto currency (including Bit-Coin and
Ethereum). Above all, the safety of customer assets is a top priority for the company; therefore, it provides the
sophisticated trading system and strong security system as well as the convenience of transactions based on its own
excellent interfaces. You can check global ticker monitoring charts and cryptocurrency-related information; also, you have
enough users to record the global 5th volume. In addition, the insurance of cyber liability insurance increased the safety
of funds.
Cross is a simple and inexpensive overseas remittance service based on block-chain. The procedure is simpler compared
to the process of money remittance in existing banks, and it is possible to send money abroad conveniently at a low
fee. It supports all local banking services in five major Asian countries (including China, Japan, Philippines, India and
Vietnam) and provides real-time exchange rate information. Also, our remittance method is easy. If you write down only
the information (including bank name, account number and deposit note name), the transfer will be completed from 10
minutes to 48 hours.
-Korea : ‌Woori Bank (Financial Institution), Shinhan Card Co., Ltd (Financial Institution), Lotte Card Co., Ltd (Financial
Institution), Daishin Securities Co., Ltd (Financial Institution) and Korea Information & Communication Co., Ltd
(Mail-order Business)

COINPIA
Representative Jung Yun-seo and Park Mi-ppeum Incorporation Date Nov 2nd, 2011
Location 71, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (Room No. 908, Donghwa Building)
Web Page www.coinpia.com E-mail contact@coinpia.com Contact +82-70-4760-3360
Enquiry Contact +82-70-4760-3360 Enquiry E-mail contact@coinpia.com
Cryptocurrency Exchange and Form of

Main Service Blockchain Technology/ Fintech Area BlockChain B2B/B2C
Service payment Business
Introduction
Coinpia is a ‘user-friendly’ crypto exchange. It was founded as the crypto exchange for Seallet Corp. in 2011, and run
independently in 2014; It is currently running the exchange of Bit-coin (BTC) – Korea Won (KRW) and Light Coin (LTC)
– Korea Won (KRW). Also, it officially launched the world’s first customized contingency order trading system on Nov.
2014 to establish the high-quality advanced order system, adopting and managing various order methods based on
many experiences of exchanges. On Dec. 2015, it received favorable response for the announcement of KRW 2 BTC
Service Concept that provides convenience for Bit-coin Users; the company tries to realize the potential of cryptocurrency
including Bit-coin.
History
Nov 2011. The establishment of Sylhet Corp.
May 2014. The launching of Bit Coin and Light Coin Exchange, ‘Coinpia’.
Nov 2014. The launching of ‘Contingency Order Trading System’ service.
Dec 2015. The presentation of KRW 2 BTC Service.
2017. The execution of settlement/payment and blockchain projects.

Coinpia has been operating crypto exchange since 2014.
It is the leading crypto exchange in Korea as it applies the legal definition of cryptocurrencies, AML and KYC issues faster
than any other exchanges, and designs and operates the security structure and the customer convenience system in a
rational system.
The Contingency Order System was introduced for the first time to establish a system for trading in a crypto exchange,
which operates 24 hours a day. Even if a customer does not have any programming knowledge, the customer can
structure his/her own system trading.
The Contingency Order System introduced by Coinpia allows users to place an order only if all conditions are met, by
setting the conditions such as period, price, and balance. It is characterized by the fact that the program trading used
in stock trading is easily made available to the user in the bit-coin transaction. CoinPia is an organization of experts in
payment and mobile services, and is planning to lead the block-chain and payment service based on know-hows and
related experiences through crypto exchange.
70
Coinplug Inc.
Representative Eo Jun-seon Incorporation Date Oct 2nd, 2013
Location 8, Seongnam-daero 331beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 801, KINS Tower)
Web Page www.coinplug.com E-mail info@coinplug.com Contact +82-1899-9942
Enquiry Contact +82-31-717-1597 Enquiry E-mail ryun@coinplug.com

Blockchain Platform
Development, Bitcoin Digital Form of
Wallet, Cryptocurrency Business
Exchange and others
Introduction
Coin Plug operates a crypto exchange and introduces block-chain solutions. Coin Plug, which was established in January
2014, started its business as Bit-coin Exchange. Since then, it has been carrying out more than 10 projects utilizing block-
chain related technologies such as bit-coin electronic wallet, micro money transfer service, document authentication, and
modulation proof system. In September 2017, it opened the digital asset exchange 'CPDAX.’ Coin Plug is researching and
developing a new financial platform that can revolutionize existing financial systems using block-chain technology and
digital cryptocurrency technology. In Korea, it is known to have the largest number of block-chain related patents. In the
field of patent application for block-chain technology, it has the second highest number of block-chain technicians in the
world.
History
Oct 2013. Established Coinplug Corp.
Jan 2014. Launched the bitcoin electronic wallet
Dec 2015. Selected as a ICT promising company in ‘K-Global 300 firms’ (the Ministry of Science and ICT)
Jun 2016. Launched ‘Fidoledger’, a private blockchain technology.
Nov 2016. Commercialized the blockchain-based personal authentication (KB Kookmin card).
May 2017. Joined the Ethereum Enterprise Alliance
Sep 2017. Launched CPDAX’, a digital asset exchange

Coin Plug has provided various services (including Bit-coin e-wallet, ATM and gift card), since it was founded as an
exchange where you can buy and sell Bit-coin easily and safely. In addition, it has developed customized platform and
private block-chain solutions (including personal authentication, document authentication, mobile ID, and payment
platform using block-chain technology) and provided block-chain consulting services for various fields. Currently, it has
137 block-chain related patents, about 50% of which are registered officially. One of representative patents is a patented
technology that exchanges foreign coins by travelers from ATM devices into cryptocurrency. Coin Plug Digital Asset
Exchange (CPDAX), a digital asset exchange offered by Coin Plug, supports a variety of digital asset transactions (including
Bit-coin, Bit-coin Cache, Ethereum, Ethereum Classic and Light Coin). The professional trading, the price notification and
the plugin e-wallet are provided as well.
-Korea : ‌KB Kookmin Card (Financial Institution), Shinhan Card (Financial Institution), Woori Bank (Financial Institution),
Nautilus Hyosung, BGF Finlink, Mirae Asset Daewoo Co., Ltd. (Financial Institution) and DSC Investment (Financial
Institution)
-Foreign Countries : TIM DRAPER (Financial Institution)

COOCON
Representative Kim Jong-hyeon Incorporation Date Dec 14th, 2006
Web Page www.cocoon.net E-mail coocon_api@coocon.net Contact +82-2-3779-7183
Enquiry Contact +82-10-3746-4931 Enquiry E-mail yckim9202@coocon.net
Form of
Main Service COOCON Information API Fintech Area Financial Platform B2B
Business
Introduction
COOCON is a company that provides a variety of business information needed for Fin-tech services. It provides
information on 500 domestic institutions and 1400 overseas financial institutions through application programming
interface (API) type. Since its foundation in 2006, COOCON has focused on collecting, connecting and controlling
business information.
COOCON acquires information by connecting with all domestic banks, securities companies and credit card companies.
When users input their authentication information using scrapping technology, they collect information by automatically
collecting necessary user information from the site. It organizes information into financial, public, real, global, and smart
information and provides it to corporate customers.
History
Dec 2006. The establishment of Coocon Corp.
Jan 2007. The launching of Client Scraping Solution, ‘iBASE 2.0’.
Dec 2009. The establishment of National Firm Banking Information Relay Network
Mar 2011. The completion of duplex configuration process for Coocon Computation Center Infrastructure. The supply of
seamless services.
May 2014. The co-foundation of Japan Scraping Specialized Company ‘MWI’ with Japanese ERP company ‘MJS’.
Nov 2015. The development and patent application of Smart Scraping Solution ‘i-SAS 2.0’
Mar 2017. The launching of Coocon Integrated Control Center

COOCON has been engaged in the business of gathering business information through scraping technology and
providing it to where it is needed.
When a financial institution or a Fin-tech company creates an app or service, the internal information of another financial
institution or public institution can be the core of the service. However, it is very difficult for companies to collect and
link this information, and it takes a lot of time and money to connect. COOCON provides various business information
to solve these difficulties. COOCON currently delivers 6 categories of financial information, public information, real
information, global information, smart information, and 300 open APIs through the information API store.
It collects business information from more than 500 domestic institutions, collects business information from 1400
overseas financial institutions in 26 countries, and it has a global network of four overseas subsidiaries and five global
partners. Global MBS, which is presented at the COOCON, is an integrated money management service that allows
the corporate headquarters to grasp the funds of corporations scattered in 230 financial institutions in 26 countries,
including the United States, China, Japan, India and Vietnam. With this service, the company can check the balances and
transaction details of the distributed accounts at once.
-Korea : ‌Bizplay (Financial IT), KIB (Financial IT), Medras Check (Mobile Application Service) and Webcash (Financial
Platform)
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Coop Marketing Corp.
Representative Lee Uiok Incorporation Date Oct 31th, 2005
Location 14, Seongsui-ro 10-gil, Seongdong-gu, Seoul, Republic of Korea (10F)
Web Page www.coopnc.com E-mail coop@coopnc.com Contact +82-2-514-0237
Enquiry Contact +82-70-7512-1849 Enquiry E-mail weecco@coopnc.com
Form of
Main Service Mobile Commerce Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
COOP Marketing is a database and online information provider, including online information and membership services.
COOP Marketing is developing mobile gift vouchers and vouchers based on its own development and own platform.
With organic marketing system and competence, the company has rich experience and infrastructure in system and
design solutions, marketing and promotional execution and management that are accompanied by various services of
the company. COOP Marketing is actively engaged in global market penetration by establishing a local corporation in
Malaysia beyond domestic services, and is exploring markets in Asia, including China, Indonesia and Australia.
History
2005. The establishment of Coop Marketing Corp.
2006. The conclusion of VVIP service management agreement with KB Kookmin Card.
2008. The conclusion of service cooperation agreement with I No.Ⅰ (including Outback, Lotteria and Bennigan’s)
2013. The conclusion of HappyCon Sales MCP agreement with SPC Networks Corp. The launching of Family Restaurant
Union Voucher Service.
2014. The conclusion of Kakao Present Gateway Service supply agreement.
2015. The conclusion of mobile gift card direct supply agreement with Ediya Coffee Corp.
2016. Selected as a mobile coupon issuing business by McDonald Corp.

COOP Marketing operates a platform that supports the marketing needs of businesses. COOP Marketing develops
a payment system using a CI (Public Identifier) to provide consumers with a new payment settlement UX (user
experience). In order to prevent the risk of information leakage, customer benefit products can be issued based on the
unique identification value and stored in a separate space, so that the customer can utilize the integrated service as the
existing means. By using CI, it is possible to escape the risk of leakage of personal information by not delivering personal
information to an external service provider, thereby reducing the business risk of a company providing the member service
and providing services tailored to the needs of the enterprise. COOP Marketing also developed I-NUMBER. I-number,
which is a unique mobile voucher exchange system of COOP Marketing. Mobile coupons in the form of mobile messages
can be purchased or provided through various media and exchanged with real goods through real-time authentication
at the coupon's affiliate stores. In cooperation with a total of 120 brands, it can be used for services such as presenting
more than 760 merchandise and corporate gifts.
-Korea : ‌Naver (IT Service), Daum (IT Service), LG U+ (Telecommunication), Samsung (IT Service), GS SHOP (E-commerce),
Kakao (IT Service), SK Telecom (Telecommunication), Coupang (E-commerce), Shinsegae Mall (E-commerce),
Hyundai Marine & Fire Insurance (Financial Institution), Lotte Duty Free Shop (Distribution) and Hmall
(Distribution)

Coopskorea Inc.
Representative Kim Tae-gu Incorporation Date Jun 20th, 2016

55, Dongjin-ro, Jinju-si, Gyeongsangnam-do, Republic of Korea
Location
(Room No. 314, Industrial University Institute, Gyeongnam National University of Science and Technology)
Web Page www.coopskorea.com E-mail coopskorea@coopskorea.com Contact +82-1522-8020
Enquiry Contact +82-55-795-0124 / +82-10-4563-7978 Enquiry E-mail kimtaeku@coopskorea.com
Coop, Coop Store and Form of

Main Service Fintech Area Payment/Settlement B2B/B2C
Coop Pay Business
Introduction
Coopskorea Inc. is a company that finds ways to combine SNS with traditional social communities. Coopskorea Inc. offers
a simple and clear mobile social networking system (SNS) led by a management team in a traditional social community
and a free shopping mall that can return 3% of the sales generated by the mobile social network to the community.
Coopskorea Inc. plans to help individual communities to cooperate with each other in order to distribute legitimate and
equitable profits between suppliers and consumers, and to create jobs in cooperatives.
History
Jun 2016. The Foundation of Coopskorea Inc.
Mar 2017. The Beta Service of “Coop” & “Coop Store”
May 2017. The Registration of Patent for P2P Guarantee Service, “Coop Pay”.
May 2017. The Award of Participation Prize in the IDEA Competition by Fintech Support Center.
Jun 2017. Selected as the first support target company (Fintech Field Advisory Panel in Financial Supervisory Service)

Coopskorea Inc. is a company that helps social networks to connect existing organizations and evolve into shopping. It is a
closed social network led by an offline social management team. It provides free trade unions, various organizations and
meetings. It has strengthened the community function by adding bulletin board function in individual group (Coop), and
it is characteristic that the establishment is limited to the management of various offline groups. The goal is to enhance
business activation among users in the group. Coop Store is a social designated cash reward shopping mall. It is an open-
market shopping mall for users of the service. Revenue is returned to the platform participants in cash, and community
and shopping are combined to help the organization generate revenue. In addition, it is introducing a simple payment
service for people with social benefits. It is a new-concept credit-based simple payment method that supports credit card-
less credit purchase. It also provides general affairs services. The general secretary is a channel of communication within
the platform. It is possible to have a space for communication (including user feedback, suggestion and others) of the
users of the service. The purpose of this service is to provide useful services for communication, discussion space (including
case sharing, collaborative event progression and others) between management and users, and to provide customized
services for sharing practical use cases and ideas.
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CrePASS Solutions
Representative Kim Minjeong Incorporation Date Jun 1st, 2015
Location 53-1, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea(Room No.905)
Web Page www.crepass.com E-mail info@crepass.coms Contact +82-2-780-8081
Enquiry Contact +82-10-7146-0159 Enquiry E-mail haksoo.park@crepass.com
Number of Employees 6 Starting Capital 300,000,000 won
Form of
Main Service CrePass Fintech Area FInance Platform B2B/B2C
Business
Introduction
CrePASS Solutions is a platform developer that enables financial institutions to quickly and easily apply cost-effective
alternative credit assessment techniques. CrePASS Solutions’ technology partnership with global companies has laid
the foundation for differentiated credit rating technologies. Because Fin-tech companies have to continuously research
and change, CrePASS Solutions has started to realize that cloud is a great advantage for resilient use of IT infrastructure
resources.
CrePASS Solutions also runs a P2P platform to address financial alienation. It will develop a machine learning model that
will collect, refine, connect, and pattern data from various domestic and foreign data sources, and will enable personal
credit evaluation and customer classification on various aspects through continuous analysis. A rule engine and data
visualization technology to make product decisions in combination with various information will be utilized.
In order to resolve the problem of credit disadvantaged groups, the company will systematize educational support such
as expansion of non-financial data collection and continuous improvement of credit management and debt management
education and pursue alternative financial system such as P2P finance.
History
Jun 2015. The foundation of CrePASS Solutions
Oct 2016. The promotion of CrePASS Solutions
Jan 2017. Selected as the 3rd Shinhan Futures Lab Company
Jun 2017. The registration into Korea Fintech Business Association as a full member
Nov 2017. Selected as a civilian authority of Impact Financial Forum (officially registered research organization by National
Assembly)

CrePASS Solutions develops and operates an alternative credit evaluation platform. The alternative credit evaluation
platform is a platform that allows financial companies to use non - financial information such as big data, which can be
applied both domestically and abroad, through machine learning techniques. Alternative evaluation platforms guide
customers to install apps on their smartphones if they are rejected when applying for a loan. Once the app is installed, it
uses PinTechnology to find the consistency and reliability of customer behavior by creating user information as a variable.
The credit solution is not a credit rating, and the credit rating is a model for scoring customers' past financial behavior.
However, in recent years, there have been customers who do not use credit cards and loans and who are crowded
with specific ratings. There are many financial companies that have been hesitant to lend to these companies. CrePASS
Solutions is working with Shinhan Card to provide another opportunity for financial customers in the blind spot. It is a
business model that enables us to find the best customers in the future and conduct necessary loan services.

CrowdHoldings
Representative Jeon Young-sik Incorporation Date Apr 30th, 2015
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (22F, Two IFC)
Web Page www.crowdholding.com E-mail skytams@naver.com Contact +82-2-6138-3450
Enquiry Contact +82-2-6138-3450 Enquiry E-mail skytams@naver.com
Enterprise Technology Form of

Main Service Fintech Area Others B2B
Valuation Business
Introduction
CrowdHoldings is an information provider that evaluates values of corporates and technologies based on Big Data
analysis. CrowdHoldings is certified by the Ministry of Trade, Industry and Energy, and it professionally selects SMEs and
start-ups with investment value based on Big Data based technology valuation system.
Unlisted stock information, technology transactions, M&A transactions, and Fin-tech platforms are offered in short
period of time with lower cost than other services.
CrowdHoldings evaluates technology value based on data accumulated around the world in the complex and difficult
technology field of the 4th industry, so that the public can make healthy investments and government policy funds can
be processed fairly and transparently.
Through its corporate value analysis, CrowdHoldings is establishing a platform for the technology finance market that
links start-ups and financial institutes of technology research institutes
History
Apr 2015. The foundation of CrowdHoldings
Jul 2015. The development of a crowd funding platform
Aug 2015. The development of the responsive web for CrowdHoldings
Sep 2015. The business agreement (Korea Valuation Association, Asia Asset Trust, Daeji Law Firm)
May 2016. The development of responsive web site, application for CrowdHoldings
Oct 2016. The business agreement (Sunmyung Investment, GlamStone)
Nov 2016. The transfer of patent and enterprise-technology valuation system (Big Data)

CrowdHoldings is a technology valuation firm based on Big Data. The technology valuation system of CrowdHoldings is
a web-based valuation system that determines the appropriate technology fee or determines the equity contribution by
calculating the economic value of the technology for technology transfer or commercialization as the monetary amount.
If the target technology is at an early stage or if there is no business entity yet so that it is difficult for the evaluator to
estimate the cash flow, it utilizes indirect valuation methods with similar business or similar-based technology.
CrowdHoldings' technology valuation system is based on Big Data and is based on most commonly used cash discount
flow (DCF) model and uncertainty of early stage technology. Based on Big Data Algorithm technology, which can analyze
global patents on a global basis, CrowdHoldings calculates the economic value of the technology for technology transfer
or commercialization in terms of the monetary amount to determine the appropriate technology fee or determine the
equity share Etc., as well as the economic growth rate. Similar business or similar-based indirect estimates have been
applied, while cash discount flow models and uncertainties in early stage technology have been reflected in accuracy.
-Korea : ‌Daeju LLC, Korea, Korea Valuation Association, Korea, Asia Asset Trust, Korea, Korea Technology Transfer Agents
Association, Korea
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C-So Platform
Representative Lee Jeong-yun Incorporation Date Mar 28th, 2016
Location 67, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (3F, Sinsong Building)
Web Page www.c-so.co.kr E-mail contact@c-so.co.kr Contact +82-2-6959-0308
Enquiry Contact +82-70-5101-7175 Enquiry E-mail phj@c-so.co.kr
Form of
Main Service Property Mortgage Fintech Area P2P Finance B2C
Business
Introduction
C-So Platform operates a peer-to-peer (P2P) platform that specializes in mortgage loans. It provides a growth base for
medium-sized companies that need funds through medium rate interest loans as well as it provides investors with higher
returns than credit-secured investments.
Tera Solutions Bank, a luxury appraisal company, and fintech, a loan brokerage, have signed agreements with C-So
Platform to provide more professional services.
C-So Platform is currently a P2P platform that connects borrowers and investors, and it is striving to become a leader in
the mobile P2P platform by developing additional technology specialized in mortgage security.
History
Mar 2016. Established C-So Platform
Apr 2016. Opened C-So Funding service
Jun 2016. Concluded a MOU agreement with TERA SOLUTION BANK, a luxury appraisal company.
Mar 2017. Launched an investment auto-authentication service
Jun 2017. Applied the patent of P2P-based security management service
Sep 2017. Introduced a mortgage value prediction evaluation system.

C-So Platform introduces C-So funding, a P2P financial service focused on mortgage-backed loans. C-So funding is a new
financial service that provides a financial balance. The investment period of C-So Funding is 3 months on average, and it
is excellent in repayment, securing investors by physically owning and managing collaterals. The collateral is safeguarded
in a direct or contracted warehouse, and C-So funding is kept in place so that the collateral cannot be moved without
the permission of C-So funding. If a borrower defaults, the buyer or distributor contracting with the C-So funding will
process the collateral to minimize the loss of the investor. Investors can earn as high as 13-16% in low interest rates. C-So
Platform applied for a patent on how to provide P2P-based security management service. The Collateral Asvalue Tracking
System (CATS), which is a collateral value forecasting and evaluation system, forecasts the price fluctuation of collateral
items at the expiration of investment goods through price big data. If mortgage prices are expected to decline, additional
collateral will be established to significantly reduce the risk of insolvency.
-Korea : ‌Finetek (Display Manufacturer)

d.LEMON Inc.
Representative Myoung Ki-Jun and Shin Seung-Hyun Incorporation Date May 13th, 2015
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (18F, IFC Center)
Web Page www.lemonclip.co.kr E-mail lemonclip@dlemon.co.kr. Contact +82-1670-3045
Enquiry Contact +82-2-6105-7085 Enquiry E-mail yjkim@dlemon.co.kr
Lemon Clip (B2C) and Form of

Main Service Fintech Area Others B2B/B2C
Lemon Bridge (B2B) Business
Introduction
Dlemon is a startup company establsiehd in May 2015, by professionals from insurance industry, which thrives to change
supplier oriented insurance industry into consumer oriented industry. D letter from Dlemon means ‘Delicious’ and it means
to deliver delicious and valuable lemon (insurance). It launched a lemonClip application, which combine 40 national
insurance contract details including insurance fees, guarantee articles, insurance period, and payment schedules.
In April 2017, it was selected as a demonstration partner for national IoT project and it presented a customized insurance
platform which syndicates IoT, simple authentication, block-chain, and smart insurance search engine.
History
May 2015. Established d.Lemon Inc.
Nov 2016. Launcehd the application and website of Lemon Clip
Feb 2017. Released Lemon Bridge Solution
Apr 2017. Selected as a demonstration company for National I.oT. Project (Consortium Contract with Kyobo Life)
Jul 2017. Attracted 1.1 Billion Won investment from Time Wisein Investment and others.
Aug 2017. Awarded the grand prize (Markyung FinTech Awards)
Sep 2017. Acquired Venture Company Certification
Sep 2017. Selected as a support company by Seoul Innovation Challenge

Lemon Clip is a B2C service for general customers, helping consumers to purchase and use insurance easily and
reasonably. It consists of three services: the viewer, the advisor and the mall. 'Lemon Clip Viewer' can check all the details
of insurances one has joined. The insurance inquiry engine of Lemon Clip can search all insurance companies in Korea to
find a subscribed insurances and show its insurance details. Also, it shows the hospital bills to make insurance claims at
any time.
'Lemon Clip Advisor' is a service, which diagnoses the insurance one has joined. Currently, analysts working for Dlemon
Inc. directly identify and diagnose the insurance of applicant; however, it will soon be introducing the advanced diagnostic
services using an A.I. robot.
'Lemon Clip Mall' offers a service, which compares objectively insurances on sale and helps to join one. Lemon Bridge,
a B2B service for insurance companies, is an application which clients themselves install on their mobile phones under
the guidance of insurance planners. Specifically, it provides various functions including the whole inquiry of insurance
contract, the inquiry of hospital visit history, and the claim of premium. Among them, the whole inquiry of insurance
contract can search the details of insurances joined by customers installing Lemon Bridge. The insurance inquiry engine
developed by Dlemon Inc. searches all over 40 domestic insurance companies to find a variety of insurance information
including the insurance premium, the coverage, the insurance period and the payment period, which can be confirmed
by the planner under the consent of client.
-Korea : ‌Daily Financial Group (Fintech Platform), Heenam (Fintech Service), Leevi (Big Data Analysis), KYOBO Life
Insurance Co., Ltd. (Financial Institution) and National Information Society Agency (Government Agency)
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Daily Funding
Representative Lee Hae-woo Incorporation Date May 29th, 2017
Location 66, Chungmin-ro, Songpa-gu, Seoul, Republic of Korea (Room No. L7061 ~ 4, Garden Five Life Building)
Web Page www.daily-funding.com E-mail contact@daily-funding.com Contact +82-2-2157-2505
Enquiry Contact +82-2-2157-2505 Enquiry E-mail contact@daily-funding.com

P2P Finance, PF,
Construction Fund Loan, Form of
Main Service Fintech Area P2P Finance B2C
Bridge Fund Loan and Business
Credit Loan
Introduction
Daily Funding is a P2P (peer-to-peer) financial platform company that utilizes information technology to ensure stable
returns for investors and affordable loans to lenders. Daily Funding is designed in a way that only a small amount
of investment can be invested, and it performs stable bond management run by collaboration of experts group. It
offers escrow function service through SC First Bank to project investors. Contracting with a professional security
solution company, it secures stable security system. Daily Funding attracts investment contracts for healthy and stable
management.
History
May 2017. The Foundation of Daily Funding
Aug 2017. The Conclusion of MOU agreement with TnB Appraisal Co., Ltd.
Aug 2017. The Launching of Daily Funding Service
Sep 2017. The Release of Estate P2P 1st Product
Nov 2017. The Achievement of total 7 billion won investment
Dec 2017. The Conclusion of Law Advise Agreement with Hyun LLC.
Dec 2017. The Conclusion of MOU agreement with Fidelis Asset Management Co.

Daily Funding provides a P2P financial service. A slogan “Investing in Daily Funding relieves my worry” is backed by its
safety system. ‘The Daily Safe Plan’ is a system that investors can recover some of loss that investors may experience from
bad loans. Daily Funding reserves fund of KRW 300 million and will continue to save 0.2%. In the event of bad loans, the
loss will be recovered up to 90% of principal amount within reserve fund. Daily Funding manages with collaboration from
specialists in finance, accounting, and appraisal. To protect investments, all of the products are required by collaterals such
as security deposits or trust registration. Daily Funding aims for mutual growth between lenders and investors. It thrives
to offer signature products through Daily Funding’s know-how and rigorous examination.
-Korea : ‌NICE Information Service (Credit Rating), PayGate (Payment), Seju Tax Firm (Tax Accounting), TnB Appraisal Co.,
Ltd. (Appraisal and Assessment) and Anse Accounting Firm (Accounting Firm)
-Foreign Countries : ‌Standard Chartered Korea Bank (Financial Institution)

Danal
Representative Choi Byung-woo Incorporation Date Jul 4th, 1997
Location 55, Bundang-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (9F, Bundang First Tower)
Web Page www.danal.co.kr E-mail salesinfo@danal.co.kr Contact +82-31-697-1004
Enquiry Contact +82-31-697-1019 Enquiry E-mail jinrongyi@danal.co.kr
Form of
Main Service PG and Offline Payment Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Danal is a mobile payment service provider established in 1997. Danal’s business include payment and authentication
service locally and globally and also offline barcode payment business. Upon success in domestic market, Danal expands
its business overseas to USA, Europe, China, and etc. It has developed the cross-border mobile payment system for global
online transaction system. Danal was chosen to be No.1 market leader in 2017.
History
Jul 1997. Established Danal Inc.
Jul 2004. Listed on KOSDAQ
Feb 2011. Concluded an agreement for phone payment with Sprint in U.S.A.
Mar 2011. Developed ‘Bar Tong’, a smart phone barcode payment application.
Sep 2013. Released a fingerprint payment service.
Mar 2014. Concluded an agreement for the cross-border payment service with Tencent in China.
Jan 2015. Acquired the patent of user authentication virtual keyboard security.
Oct 2016. Acquired patents including QR Code Scan Payment.
Mar 2017. Awarded the first prize for the mobile authentication in MWC.
Jun 2017. Attracted 6 million dollars from Orange Telecom and Bangkok Bank (American Corporation)

Danal is a pioneer in domestic mobile payment service market.
Danal developed and commercialized the world’s first mobile payment service on July 2000, which enables users to enter
their mobile subscription information on a wired or wireless internet for payments and then charged to the next month’s
mobile phone bill.
Anyone can use it conveniently and securely by entering just his/her mobile phone number, resident registration number,
and SMS authentication number. Thus, more than 13,000 companies and institutions, including online game companies,
digital contents companies, and online shopping malls, have used Danal’s mobile phone payment service.
BarTong, a smart phone barcode payment service launched in March 2011, is a simple and secure offline service. After
first authentication, a user can create a single use barcode through BarTong application to make payments offline.
Also, MESSAGE BILL (PayOn Plus), a microfinance mobile payment service, enables users to pay with SMS sent into the
smart phones of user anywhere and at any time without any limitation.
Other services include ARS payment, gift cards payment, and instant money transfer services.
Danal’s mobile phone identity verification service confirms the identity of user through the authentication procedure by
entering the identification information in a wired/wireless internet website and a smartphone application using a cellular
phone opened under the user’s name. Also, it can check user’s real name, adult identification, and membership status
without collecting his/her resident registration number.
-Korea : ‌SKT (Telecommunication Company), KT (Telecommunication Company), LG U+ (Telecommunication Company)
-Foreign Countries : ‌AT&T (Telecommunication Company), Verizon Wireless (Telecommunication Company), China
Mobile (Telecommunication Company), Tenpay (Simple Payment / Remittance), Chunghwa Telecom
(Telecommunication Company), Taiwan Mobile (Telecommunication Company) and WebMoney
(Simple Payment / Remittance)
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Daoomsoft
Representative Bae Soo-jin and Moon Sang-uk Incorporation Date Jun 13th, 2016
Location 200, Yeongdeungpo-ro, Yeongdeungpo-gu, Seoul (Wibee Fintech Lab, 2F, Woori bank building)
Web Page www.sarada.kr E-mail daoomsoft@gmail.com Contact +82-70-8670-3077
Enquiry Contact +82-70-8670-3077 Enquiry E-mail B79jini@gmail.com
Form of
Main Service Salad Fintech Area Financial Platform B2C
Business
Introduction
Daoomsoft developed 'Extend Platform' solution that standardizes and expands easily the information gathered from
famous overseas online shopping malls, which resulted in releasing an application called 'Sarada', an overseas direct
purchasing application utilizing the expandable platform to provide a variety of overseas product information quickly to
meet users’ demands in overseas direct purchasing.
History
Jun 2016. The foundation of Daoom Soft
Jul 2016. The conclusion of Associate Agreement with Amazon in USA
Jan 2017. The official service launching of 'Sarada'
Apr 2017. The conclusion of Associate Agreement with Amazon in German and Bratain
Oct 2017. The launching of Ebay service in USA
Nov 2017. The launching of TV delivery service (California)

Sarada is an application launched by Daoomsoft for which makes users convenient in purchasing online directly from
global famous shopping malls. The key advantage of this application is its easiness to use. ‘All-In One’ service in this single
Sarada application makes it possible from purchasing to delivery overseas. Not only delivery fee is cheap, it also offers
Sarada Cash back service depending on the amount one purchase which can be transferred to real cash. Upto 10 orders
can be shipped for free; the logistic center in U.S. can be be used for storage for free upto 30 days.
Sarada offers a precise, detailed inspection service that checks product name, size, color, and defects. Delivery is only
done via Korean national airplanes without layover. Shipment occurs on the same day of stock comes in and for domestic
delivery, it is via the Post Office delivery.
-Foreign Countries : ‌Ebay (E-commerce) and Amazon (E-commerce)

DarcMatter
Representative Lee Sang-hwa Incorporation Date Jul, 2016
Location 373, Sapyeong-daero, Seocho-gu, Seoul, Republic of Korea
Web Page www.darcmatter.com E-mail sang@darcmatter.com Contact +82-10-4250-2103
Enquiry Contact +82-10-9413-6506 Enquiry E-mail jin.song@darcmatter.com
Form of
Main Service Fi-nance/Alternative Fund Fintech Area FInance Platform B2B
Business
Introduction
DarkMatter is an alternative investment brokerage platform. Headquarter based in New York, it bridges between
investors and private equity funds and venture capitals.
In Korea, it helps companies seeking investments and it networks with global alternative investment firms. Using its
Artificial Intelligence program, it seeks for various alternative investment opportunities and it offers.
History
Sep 2014. Established DarcMatter.
Feb 2015. Launched DarcMatter Platform Service.
Jul 2016. Established DarcMatter Korea
Sep 2016. Concluded a MOU agreement with Hanwha Life Corp. and Hanwha Asset Manage-ment Co., Ltd.
Jan 2017. Awarded “Best Growth Stage Startup” (Next Money Hong Kong).
Feb 2017. Awarded “Best Fintech Solution for Small & Startup Funds”.
Sep 2017. DMAC 2017 DarcMatter Alternative Investment-Conference (hosted by Conrad Seoul)

DarkMatter simplifies asset enhancement process for asset managers and offers tools for investors and asset managers
effective financing and investing process.
Investors can easily register to the platform to efficiently search for all investment opportunities and have necessities
discovering new investment opportunities by utilizing powerful investment selection tools. A number of tools are
provided to accredited asset managers, and all funds interests are con-stantly updated on the asset managers’ dashboard.
In addition to platform technology, a key differentiating advantage is that the company offers opportunities to be
approached by investors in the US, Hong Kong, Shanghai and Korean markets.
Alternative investments that the company deals are generally considered to lack transparency. With DarMatter’s platform,
the company provides a more transparent and effective financial technology platform and it thrives to focus on direct
investment opportunities to global fund managers and investors.
-Korea : ‌Hanwha Life Corp. (Financial Institution) and Hanwha Asset Management Co., Ltd. (Financial Institution).
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Data N Analytics
Representative Kim Kyeong-su Incorporation Date Sep 16th, 2015
Location 5-4, Singu-ro 54beon-gil, Giheung-gu, Yongin-si, Gyeonggi-do, Republic of Korea (3F)
Web Page www.dna.uno E-mail info@dna.uno Contact +82-31-282-1357~9
Enquiry Contact +82-10-9206-1215 Enquiry E-mail me.jeon@dna.uno
Form of
Main Service FASST Fintech Area Robo-Advisor B2B
Business
Introduction
Data & Analytics uses its own machine learning program to analyze financial product data and provides a robo advisory
service. Big data analysis engine carries out turning meaningless information for many people into valuable information.
Data & Analytics approaches financial products from its own unique engineering way. It provides a differentiated asset
management services by detailed analysis of customers’ tendency and unique analysis of financial products.
Established in 2015, it concluded cooperation witih Koscom and SK Securities and it provides a service to Shnhan Bank,
and Shinhan Investment Corp. Since March 2017, it launched Robo-advisor service targeting US market. It also is a
participant in Robo-advisor Test Bed organized by Financial Services Commission.
History
Sep 2015. The foundation of DNA
Dec 2015. The conclusion of MOU agreement with COSCOM
Apr 2016. The cooperation with Switzerland hedge fund company 'MAHRBERG'.
Apr 2016. The conclusion of MOU agreement with SK Securities
Apr 2016. The service launching of S Robo Plus for Shinhan Bank
Jun 2016. The attraction of 500 million won investment from Shinhan Bank
Nov 2016. The service launching of 'MPolio' with Shinhan Financial Investment
Nov 2016. The award of Global Hackathon Prize (JB Financial Group)
Mar 2017. The beta service launching of Robo Advisor in U.S.A.
Apr 2017. The participation into 2nd Robo Advisor Test Bed (Financial Services Commission)

Data & Analytics' own brand, FA $$ T (Financial AI a $$ et allocation technology), is a Robo-adviser service designed to
improve the inconvenience of existing financial services. As of November 2017, FA $$ T provides a portfolio of all financial
instruments (equity, funds, ETF / ETN, etc.) in Korea, US and China. It can offer portfolios from various financial products
from various markets.
It offers up to 40 types of customized portfolios for detailed customer tendency compared to 5-6 customer tendency
types from competitors. Balance rebalancing is possible and rebalancing of existing products can be performed by linking
the account balance with securities firms. It is possible to learn and operate the entire financial product once every three
minutes. This can provide a portfolio of financial products based on real-time data. Based on real-time data, we can
provide our customers with a more stable portfolio.
-Korea : ‌Shinhan Bank (Financial Institution), Shinhan Investment (Financial Institution) and Korea Fund Ratings (Financial
Institution)
-Foreign Countries : ‌MAHRBERG (Investment Company)

DATABANK SYSTEMS Corp.
Representative Hong Byeong-jin Incorporation Date Jul 23rd, 2002
Location 104, Myeongdeok-ro, Nam-gu, Daegu, Republic of Korea (Room no. 505, 5F, 1st Office, ICT Park)
Web Page www.idatabank.com E-mail kiuk.kwon@lemonhc.com Contact +82-2-6404-8977
Enquiry Contact +82-10-8277-1733 Enquiry E-mail kiuk.kwon@lemonhc.com
Form of
Main Service M-Care Fintech Area Financial Platform B2C
Business
Introduction
Data Bank Systems Corp. provides Smart Health Care Platform called M-Care to major hospitals. M-Care is a smart heath
service designed specifically for hospitals. It plans to expand to provide its services to 30 hospitals that include major
general hospitals.
Its service will provide total health care solution including electronic prescriptions transmission to a pharmacy and
electronic insurance claims service.
Data Bank Systems Corp. was established in Daegu on July, 2002 as an oracle database related consulting firm. First year’s
revenue only marked 100 million won, but it continued to grow 100% annually and it finally surpassed 10 billion won in
9 years after establishment. Currently, it evolved to a total IT consulting service firm that covers hardware to application in
entire IT industry.
History
Jul 2002. The foundation of Databank Systems
Sep 2004. The launching of Disaster Restoration Solution, Ark product family
Jun 2012. The patent registration of ‘The Hospital Information System and Its Provision Method’
Mar 2016. The patent registration of ‘The System and Method of Smart Health Care Management’
Apr 2017. The award of Grand Prize in ‘New Software Product Contest’ (Ministry of Science, ICT and Future Planning)
May 2017. The patent registration of ‘The System and Method of Online Environment-based Insurance Claim’

Data Bank Systems Corp. provides M-Care, a smart healthcare service, which guides users by customized messages from
the appointment to the payment. M-Care is an interactive service between patients and hospital providing location of
a patient and hospital’s process direction with an easy-to-use interface and design. It offers simple payment, and it can
allow continuous service expansion and enhancement. Via mobile,, a patient can login to hospital to have access to
mobile medical card, reservation of treatment, waiting time by issuing a order ticket. It provides access to treatment fees
and can offer mobile payment service.
It offers smart alarm service. It alarms patients for reservation time and step by step process considering a patient’s
whereabouts and treatment schedules. It replaces text messaging service to reduce the cost of sending text messaging.
-Korea : ‌Kyungpook National University Hospital (The medical institution), Pusan National University Hospital (The
medical hospital), Hanyang University Hospital (The medical institution), Gangnam Severance Hospital (The
medical institution), Daegu Catholic University Medical Center (The medical institution) and St. Mary's Hospital,
Seoul (The medical institution)
84
DAYLI Financial Group
Representative Shin Seung-hyeon Incorporation Date Feb 10th, 2015
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (18F, Three IFC, Yeouido-dong)
Web Page www.daylifg.com E-mail communication@daylifg.com Contact +82-2-6105-7000
Enquiry Contact +82-2-6105-7025 Enquiry E-mail communication@daylifg.com

Davinch, Loop Chain, Quarter
Back Robo-Advisor, Coinone, Form of
Broccoli, Lemon Clip and Business
others
Introduction
The Daily Financial Group is a comprehensive fintech company established in February 2015. Core business include
artificial intelligence and block chains, robo-advisors, financial platforms, and cryptocurrency. The goal is to provide
financial services to customers all over the world based on their technology and service competencies needed for financial
innovation.
History
Feb 2015. The foundation of Daily Financial Group (Former Yellow Financial Group)
Aug 2015. The attraction of 62.3 billion won investment
Jul 2016. The registration of first Korean investment private equity fund management (Quarter Back Asset
Management)
Nov 2016. The attraction of 43.8 billion won investment
Dec 2016. Selected as a ‘Block Chain Consortium’ Technology Partner (Financial Investment Association)
Apr 2017. Selected as ‘2017 Block Chain Demonstration Project for I.o.T Activation Environment’ by the Korean
Government (Daily Intelligence, D. Lemon and The Loop)
Jun 2017. The Conclusion of General Business Cooperation Agreement with Samsung Securities Co., Ltd.

The Daily Financial Group is a comprehensive FinTech company, with major subsidiaries including Daily Intelligence, The
Loop, Quarterback Asset Management, Coin One, and Di Lemon. Daily Intelligence provides DAVinCI, a practical artificial
intelligence solution specialized in banking, and also consulting services. Da Vinci Labs contributes to actual profits by
improving the accuracy of risk assessment of financial institutions, while Da Vinci analysts and Da Vinci bots implement
simple business automation of financial institutions. Da Vinci Big Data is evolving into a unified DB solution through
the project. The Loop supplies a variety of applications based on a loop chain, a block-chain engine developed by the
company. It is also leading a consortium of block chains involving financial investment associations and 25 domestic
securities firms. The quarterback provides machine learning based robot adviser services and asset management platform
services. Coin One operates a cryptographic exchange and promotes a cryptographic ecosystem. Broccoli provides
an integrated service for personal wealth management and secures a data-driven personalization business model.
DiRemone provides insurance inquiry, comparison, referral and analysis services based on customer data analysis.
-Korea : ‌Shinhan Bank (financial institution), Samsung Card (financial institution), Welcome Bank (Financial Institution),
Busan Bank (financial institution), Woori Bank (financial institution), KB Capital (financial institution), NICE
Information Service Co., Ltd. (Credit Rating) and Hyndai Capital (financial institution).
-Foreign Countries : ‌TP Bank (Vietnam)

DB CARD
Representative Yoo Seong-hoon Incorporation Date Apr 26th, 2010
Location 145, Neungdong-ro, Gwangjin-gu, Seoul, Republic of Korea (B1F)
Web Page www.dbcard.kr E-mail admin@dbcard.kr Contact +82-70-8254-2182
Enquiry Contact +82-10-8254-2182 Enquiry E-mail ceo@dbcard.kr
IC-PIN, NFC Service and Form of

Haebom Business
Introduction
DB Card is a software company, which researches and develops web & app authentication, security, electronic finance,
contents platforms, and services, using actual cards. Its main businesses are the authentication solution, the electronic
banking, and the supply of OTP communication security module. DB Card was selected as a service business partner for
the activation service of tourism district in the IoT business demonstration project by Seoul Metropolitan Government
in 2016. Its R&D center has recently worked for various projects including the service using actual cards, the research
and development of security technology and the standardization of the services. Besides total authentication patent
by personal identifications, DB Card has registered three patents in Korea and they applied for patents in India and the
United States.
History
Sep 2010. The patent registration of No.10-0982253 (Certificate/Financial Trade using Media)
Mar 2011. The merger of web/application solution development company 'NTROVE'
Apr 2012. The patent registration of No.10-1137523 (Communication Security OTP)
Jun 2012. The exhibition in Smart Card Fair by Smart-Tech-Korea
Dec 2013. Selected as 2014 Startup Technology Development business by the Small and Medium Business
Administration.
Dec 2014. The suggestion of TTA security certificate standard (IC chip-based cumulative table contrastive certificate
mechanism)
Sep 2016. Selected as Seoul Special City’s IoT Demonstration Project

DB Card develops various software for Fintech and IoT services. IC-PIN, an authentication service for actual cards, is
considered ‘Internet High-pass’ to protect the property and resident registration number of users. Cloud-IC allows
clients to synchronize at once the changes of personal information. STP (Save Time Password) provides a stronger and
more secure anti-repudiation services than Authentication Certificate and OTP (One-time Password). Application called
Haebom helps administrators to establish the free attendance system, chat with users’ friends and clients or make their
own online name cards. Users are enabled to receive the information of franchises and use the attendance check system.
86
December & Company Inc.
Representative Jung In-young Incorporation Date Aug 19th, 2013
Location 509, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (15F)
Web Page www.dco.com E-mail inquiry@dco.com Contact +82-2-6959-2820
Enquiry Contact +82-70-4337-3884 Enquiry E-mail sm.seong@dco.com
Form of
Main Service Robo-Advisor Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
December & Company Inc., a specialized Robo-Advisor company, was founded on Aug 2013 by those who had work
experiences in IT industry and financial circles under the vision ‘the technology leads to the change and innovation of
finance’. Its Robo-Advisor service offers the financial investment service, which can settle the psychological and physical
problems of clients, in Mobile OS and PC to popularize the financial investment. Also, the company developed ISAAC (AI/
Machine Learning-based) and PREFACE (Asset Management Platform) ourselves to provide investment advisory service/
discretionary investment management service and asset management solution considering the risks of investors.
History
Aug 2013. The foundation of December & Company Inc.
Mar 2016. The registration as Investment Advisory Business and Discretionary Investment Management Services by the
Financial Services Commission.
Mar 2016. The launching of Discretionary Investment Management Product using Robo-Advisor Engine (ISAAC). (Mirae
Asset Daewoo Co., Ltd. and others)
Sep 2016. The launching of International Robo-Advisor Public Offering Fund (Consulting) for NH-Amundi Asset
Management
Nov 2016. The launching of “M-Folio” Service, a Robo-Advisor Asset Management Application for Shinhan Bank.
Apr 2017. The completion of Robo-Advisor Test Bed

December & Company Inc. is an investment adviser which provides consulting and discretionary management service
of clients’ assets. It has own operating platform and a robo-advisor engine. In recent 2 years, the company has taken
actual operation tests to confirm its stability as a platform. Especially, its monitoring system prevents potential problem
situations in any accounts and thoroughly eliminates various errors and future reference issues likely to occur during
the development of A.I. engine. The Prediction Runtime Environments for Automated Computing Engine (PREFACE),
a proprietary platform for December & Company Inc., is a platform using the technology-based data utilization and
prediction. Also, the Intelligent Strategic Asset Allocation Core (ISAAC) of December & Company Inc. is an essence of A.I.
and machine-learning technology, which enables to understand the movement of entire financial market by interpreting
numerous financial data and thus to achieve better investment outcomes.
-Korea : ‌Shinhan Bank (Financial Institution), NH-Amundi Asset Management (Financial Institution), Mirae Asset Daewoo
Co., Ltd. (Financial Institution), NH Investment & Securities Co., Ltd (Financial Institution) and Samsung Securities
Co., Ltd. (Financial Institution).

DIREA Co., Ltd.
Representative DIREA Co., Ltd. Incorporation Date May 20th, 2000
Location 26, Saimdang-ro, Seocho-gu, Seoul, Republic of Korea (9F, Sinyoung Building)
Web Page www.direa.co.kr E-mail hkbae@direa.co.kr Contact +82-2-562-7132
Enquiry Contact +82-2-562-7133 Enquiry E-mail smgoo@direa.co.kr
Software Development Form of

Main Service Fintech Area Payment/Settlement B2B
Consultation/Supply Business
Introduction
Established on May 2000, DIREA Co., Ltd. is a specialized channel integration and financial solution company. It has 10
self-developed solutions (internal and external MCA, EAI, ACH solution, payment settlement framework, firm baking
solution, professional based simulator, TP-Monitor, etc.). Recently, through channel log analysis, it researches on failure
anticipation, irregular activity detaion, and etc. In Payment settlement secotr, global business with Vietnam, and Caombia
are outperforming. Its major customers are Nonghyup Bank, Busan Bank, Kyongnam Bank Co., Ltd., Suhyup Bank, Lotte
Card, Meritz Insurance, Shinhan Capital Co., Ltd.
History
2017. Selected for the GCS (Global Creative Software) project by the Ministry of Science, ICT and Future Planning
2014. Concluded a MOU agreement with a Morocco IT consulting company, '2WLS'.
2013. Selected as ‘2013 New Product Development Project Under Condition of Purchase’ by Ministry of SMEs and
Startups
2012. Concluded a partnership agreement for 'push-type mobile payment business' with IBK system
Obtained quality management certification (ISO9001)
2007. Acquired CMMI Maturity Level 2 for international IT standard certification
2006. Acquired CruzTP ver.1.0 software quality certification (GS certification)
2005. Launched CruzTP v1.0 TP-Monitor solution
2000. Established DIREA Co., Ltd.

DIREA Co., Ltd. is a company specialized at linking the system channels of various clients based on its own developed
solution. Especially, CruzLink supports the implementation of omnichannel environment, which can convert
complicated business processes with the overlap of channels and systems into the integrated environment based on the
standardization of data forms and inferface business processes that are complex and intertwined by standardization
of data types. CruzFW, a payment & settlement framework, provides the standardized development environment for
building applications. For instance, it improves the process of business and at the same time helps to realize the corporate
strategy quickly through the integrated management system. CruzFirm, a firm banking solution, processes the massive
data transfer between external agencies and core banking systems to create the environment that can easily work for
the receipt and payment of fund. CruzSim, a professional-based simulator, enables end-to-end testing in the same
environment as the practical operation state.
-Korea : ‌National Agricultural Cooperative Federation (Financial Institution), National Federation of Fisheries Cooperatives
(Financial Institution), Lotte Card (Financial Institution), Ministry of Government Administration and Home Affairs
(Government Agency), Gyeonggi-do Office (Government Agency), Korea Railroad Corporation (Government
Agency) and Mirae Asset Securities Co., Ltd. (Financial Institution)
-Foreign Countries : ‌Bank of Communications (Financial Institution) and Standard Chartered Bank (Financial Institution)
88
Doomoolmori Inc.
Representative Cheon Yeong-rok Incorporation Date Sep 30th, 2015
Location 27-9, Dongho-ro 24-gil, Jung-gu, Seoul, Republic of Korea (3F)
Web Page www.boolio.co.kr E-mail ask@boolio.co.kr Contact +82-2-6015-4301
Enquiry Contact +82-2-6015-4301 Enquiry E-mail hongminwoo@doomoolmori.com
Form of
Main Service Boolio Fintech Area Robo-Advisor B2C
Business
Introduction
DOOMOOLMORI is named after a regional name where South Korea River meets North Korea River to represent a graft
between finance and information. It pursues to provide financial advantages to those who have not been able to receive
professional investment advisory or asset management service using information technology. The company developed
and manages a robo-advisor called ‘Boolio.’ It utilizes fund coaching service using artificial intelligence to recommend and
manages fund to users. It pursues B2C type direct robo-advisor service. It transparently reveals investment strategies to
investors and it builds client trust to become a total asset management service provider. It also offers ELS Research service
for ELS investors.
History
Sep 2015. The foundation of Doomoolmori Inc.
Jul 2016. The launching of ELS Research (elsresearch.com), an equity-linked security comparative analysis service.
Jan 2017. The launching of Robo-Advisor Bollio
Jan 2017. Selected as Shinhan Future’s Lab (Shinhan Financial Group)
Apr 2017. The attraction of investment from The Turning Point and others.
Jul 2017. The service lauching for Kiwoom Securities Co., Ltd and BoolioService.
Aug 2017. The conclusion of MOU agreement with Dongbu Securities CO.,Ltd.
Sep 2017. The conclusion of MOU agreement with Korea University Intelligence Lab.

‘Boolio,’ a core service by DOOMOOLMORI that recommends/manages a fund, stands for a stable robo-advisor service,
reaching 8% annual return. It tells an user what to invest, when to invest, and when to exit. 9 out of 10 Boolio users are
satisfied with its service, and 3 out of them tells their vision of future has been changed. Boolio is a service run by financial
specialist from ex-traders, artificial intelligence and statistics professionals.
ELS research service analyzes ELS information accurately and timely. It compares, scores ELS, and it provides a tool for ELS
portfolio. As ELS sales are expanding fast upon market growth, it thrives to offer differentiated service for accurate price
and percentage calculation, comparison analysis.
-Korea : ‌Fund Supermarket (Fund Platform), Kiwoom Securities Co., Ltd (Financial Institution), Mirae Asset (Financial
Institution), Dong Bu Securities Co., Ltd (Financial institution), Shinhan Investment Corp. (Financial institution)
and Shinhan Future’s Lab (Financial Institution)

DooRe
Representative Jin Young-woon Incorporation Date Jan 1st, 2016
Location 606, Seobusaet-gil, Geumcheon-gu, Seoul, Republic of Korea (Room No. 2006-1, Daesung D-POLIS Tower B)
Web Page www.dadais.kr E-mail gifox@doore.link Contact +82-70-4327-7680
Enquiry Contact +82-70-4327-7680 Enquiry E-mail gifox@doore.link
Form of
Main Service More & More Safe Service Fintech Area Others B2B/B2C
Business
Introduction
DOORE is an insurance Fin-Tech company. Its goal is to correct a social view in Korea that insurance is something people
avoid as an investment tool whereas it is popular in other advanced countries. DOORE tries to lower the barrier in
obtaining and understanding correct information, and returns the wrongful benefits to consumers. Established in January
2016, it launched a first product in January 2017 and continues to expand its P2P insurance services. Whereas other
insurance channels recommends a product based on already made products by simple price comparison, it promotes a
group purchasing power to attract insurance companies to develop and provide a customized product.
History
Dec 2015. The Attraction of 200,000,000 Won Investment from Value System Investment Advisory
Jan 2016. The Establishment of DooRe
Jan 2017. The Release of More & More ‘Pet Insurance’
Feb 2017. The Conclusion of Cooperation Business Agreement for the activation of Pet Dog Insurance Activation with
Korea Kennel Federation
Apr 2017. The Launching of Car Insurance Self-Pay Support Service

‘The More, The Better’ is a consumer driven P2P insurance service offered by DOORE. P2P insurance is an insurance that
consumers who pursues same guarantees gather to form an insurance group and share benefits together. Because
acquaintances or people with common interests join together, they can enjoy most benefits such as information,
discounts, and etc. It may be difficult for an individual to negotiate with insurance companies, but it is much easier and
possible for a group of same interest to make negotiations to create customized insurance products. A Pet insurance ,
which guarantees a companion animal’s medical bills and other risks, launched by ‘The More, The Better’ in collaboration
with Lotte Insurance attracted more than 2,000 members and resulted in most discounts in insurance fees compared
to similar ones. ‘More & More Safe Service' is an insurance information curation service that provides a valuable service
when the insurance is difficult or if one is uncertain of insurance properly. Six million insurance contracts database is
accumulated to properly propose an optimal insurance plan.
-Korea : ‌Hyundai Marine & Fire Insurance (Financial Institution), DB Insurance (Financial Institution), Lotte Insurance
(Financial Institution), Meritz Fire & Marine Insurance (Financial Institution), MG Insurance (Financial Institution)
and Seocho-gu Office (Government Agency)
-Foreign Countries : ‌Hyundai Marine & Fire Insurance (Financial Institution), DB Insurance (Financial Institution), Lotte
Insurance (Financial Institution), Meritz Fire & Marine Insurance (Financial Institution), MG Insurance
(Financial Institution) and Seocho-gu Office (Government Agency)
90
DoubleChain Inc.
Representative Jeon Sam-Gu Incorporation Date Apr 1st, 2014
Location 272, Toegye-ro, Jung-gu, Seoul, Republic of Korea (5F, Adora Tower)
Web Page www.doublechain.co.kr E-mail sam@doublechain.co.kr Contact +82-10-6277-3939
Enquiry Contact +82-10-8753-9909 Enquiry E-mail seoul1st@doublechain.co.kr
Form of
Main Service Software Development Supply Fintech Area BlockChain B2B
Business
Introduction
DoubleChain Inc. focuses on research and development of block-chain based distributed ledger and multiple distributed
authentication, and encryption by mathematical algorithm.
DoubleChain Inc. has block-chain based DoubleChain platform. This platform is next generation’s financial platform that
syndicate information to support payment, financing, and asset management. Digital currency that stores information
itself and is ultimately utilized as a big data. The company’s porpose is to contribute to the implementation of highly
credible society based on block-chain techonology. It has applied for three block-chain patents including ‘Block-chain
based P2P Funding System.’
History
Apr 2014. The Foundation of Double Chain Inc.
Dec 2014. The Participation into Bit-Coin Expo (KINTEX, Il-san)
Nov 2016. The Award of Minister Prize (Ministry of Science, ICT and Future Planning) for the Development of electeronic
currency exchange platform
Nov 2016. The Registration of Patent (IoT-based Material Management System and Method by Block Chain Certification)
Dec 2016. The Conclusion of ‘Hyundai Pay’ agreement with Hyundai BS&C (Hyundai Pay Collaboration Project and Digital
Asset System Planning)
Aug 2017. The Announcement of Hdac White Paper in London Fintech Week
Oct 2017. Hdac ICO

Hdac, introduced by Double Chain, is based on 'Hyper Internet of Things' platform, which is a digital currency as a tool for
realizing Smart City and Smart Life, and evolves itself through big data by combining communication infrastructure and
Internet. Hdac can limit usage according to use of coin beyond simple value exchange and realize smart city and smart
life by controlling all connected devices. 3-Factor Authentication and Address structure modification are introduced for
higher security, and by building a M2M (Machine to Machine) network, it pioneers into connected society. Hdac creates
a mutual authentication system between Internet devices based on secure authentication, high reliability and various
availability. Based on this technology, it plans to offer IoT contract payment service. The Object Internet Block Chain
Network can operate an authorized block chain of nodes, users, devices and gateways in a private block chain that is
advantageous in terms of speed, and the user can encrypt the object Internet contract to control the authorized gateway
or device.
-Korea : ‌Blocko (Block Chain Platform), Block Chain Lab (Block Chain), Hyndai BS&C (IT Service), Financial Supervisory
Service (Government Agency), Ministry of Science, ICT and Future Planning (Government Agency), Enjoy Works
(Web Design), Korean Intellectual Property Office (Government Agency), Korbit (Block Chain) and KOTRA
(Government Agency)

Dream Pay
Representative Lee Gang-nam Incorporation Date Feb 1st, 2012
Location 5, Hyowon-ro 193beon-gil, Paldal-gu, Suwon-si, Gyeonggi-do, Republic of Korea (2F, Ingye-dong)
Web Page www.dreampay.kr E-mail addtel@empas.com Contact +82-70-4384-2239
Enquiry Contact +82-10-7920-0001 Enquiry E-mail addtel@empas.com
Form of
Main Service Dream Pay Fintech Area Payment/Settlement B2B
Business
Introduction
Dream Pay provides an electronic payment brokerage service through electronic payment platform business and also
supports electronic payment application service. It also issues and distributes electronic vouchers and electronic coupons.
For merchants, it provides from a franchise electronic payment services to Dream Pay App service, Membership Card, and
electronic coupon service.
Poomasi chauffeur service lets 10% of bills to be stored into credit and Poomasi Flower delivery service lets 20% to be
stored.
It also provides distribution business regarding to credit card terminals and POS installation, and various electronic
equipment rental. It also sells products from medium and small traders and manufactures on its online shopping mall.
History
Feb 2012. The Foundation of Dream Pay
May 2012. The conclusion of movie reservation service agreement
Jun 2012. The conclusion of Dawul Cash service agreement
Feb 2013. The service development of Dawul Cash application
May 2013. The service development of Dream Pay application
Aug 2013. The launching of national 'Poomaji' flower delivery service
Oct 2013. The service offering to 500 affiliated stores and 80 thousand members

Dream Pay presents a new alternative solution to current distribution and service industry by introducing an intergrated
NFC electronic payment platform that is mutually beneficial to both customers and merchants. Dream Pay is a total
platform with a slogan ‘All in one payment system, points are cash.’ For customers, it offers direct discount or benefits
and it offers promotions for merchants to attract more customers. Registration process is easy by creating only ID and
password and it can make payments without using accredited certificate. Points that are earned can be used as cash
from 10 won.
-Korea : ‌Woori Bank (Financial Institution), KT (Telecommunication), Gabia (IT service), Smart Law (Financial IT), LG
U+ (Telecommunication), Solbi POS (POS company), Web Bridge (Application Development) and SK-Tellink
(Technology Solution)
-Foreign Countries : ‌Standard Chartered Bank (Financial Institution)
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DSSolutions Inc.
Representative Yang Seung-hwa Incorporation Date Dec 14th, 2015
Location 14, Teheran-ro 86-gil, Gangnam-gu, Seoul, Republic of Korea (2F, Yun Cheon Building)
Web Page www.vitapay.co.kr E-mail vitapay@vitapay.co.kr Contact +82-1688-7155
Enquiry Contact +82-70-7835-5217 Enquiry E-mail shkang@vitapay.co.kr
Form of
Main Service Pre-paying Service Fintech Area Financial Platform B2B
Business
Introduction
Dissolution Inc. is a balance account solution company for small business owners. It develops balance accounts service
program that integrates various financial companies to provide accurate and secure account balance service. Dissolution
Inc., provides upfront account balance service to deliver funds in timely manner so that business owners can focus on
raising their sales. To create a convenient and easy environment for online business vendors, it plans to offer various
support policies.
History
Dec 2015. The foundation of DSSolutions Inc.
Dec 2015. The service launching of ‘VITA Pay’
May 2016. The conclusion of agreement with SC (Standard Chartered) First Bank Korea Ltd
May 2016. The conclusion of agreement with Acuon Capital
May 2016. The conclusion of 11 STREET service agreement with SK M&SERVICE
Feb 2017. The conclusion of VITA PAY service agreement with Welcome Bank.
Feb 2017. The conclusion of partnership contract for Pre-paying Service with Interpark Bizmark
May 2017. The award of Fintech Grand Prize in ‘2017 Korean Excellent Corporation Grand Prize’

DS Solutions Inc. provides ‘Vita Pay’, an integrated settlement management service. The pre-settlement service of Vita
Pay is the adjustment service of settlement day for online sellers. Our pre-settlement service can be used in a variety
of situations, such as when one needs to acquire cash immediately, when one needs to buy any goods or pay for
the balance, when the payment date is imminent and when it is difficult to receive help from any financial institution
despite higher sales. The Vita Pay service enables sellers to receive their settlement the very next day after the sales of
their product regardless of the settlement date of open market; even, the former credit rating can’t be affected, as it
is irrelevant to the loan. The company’s pre-settlement service is spreading with its unique solutions and it is matchless
technology based on the know-how of e-commerce. In addition, its real-time monitoring helps to prepare for any
potential risks to ensure that clients can use its services with confidence.
-Korea : ‌SK M & Service (Mutual Platform), Interpark Bizmarket (E-commerce), Acuon Capital (Financial IT) and Welcome
Bank (Financial Institution)
-Foreign Countries : ‌Standard Chartered(SC) First Bank Korea Ltd (Financial Institution)

Easyfunding
Representative Song Jeongyeop Incorporation Date Jan 16th, 2017
Location 73, Nonhyeon-ro 79-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Suyeon Building)
Web Page www.easyfunding.kr E-mail marketing@easyfunding.kr Contact +82-2-569-5223
Enquiry Contact +82-2-569-5223 Enquiry E-mail marketing@easyfunding.kr
Form of
Main Service Financial service Fintech Area P2P finance B2C
Business
Introduction
Easy Funding is a P2P (Peer to Peer) financial platform provider. Easy Funding uses the experience and know-how of
various financial practices and operates the system in a way that legal and tax experts re-verify them.
The major products of Easy Funding are real estate mortgage loans and business mortgage loans. Credit products are
not dealt with and only real collateral and loans are handled.
It signed a partnership with Fidelis Asset Management.
History
Jan 2017. he establishment of EasyFunding
T
Mar 2017. The launching of P2P online finance service
Mar 2017. The conclusion of MOU agreement for the escrow account with SC Bank Korea and Paygate
Mar 2017. The launching of 1st product (mortgage loan for an efficiency apartment)
Jun 2017. The conclusion of MOU agreement with Fidelis Asset Management

Easy Funding provides a P2P-based crowdfunding service.
It provides borrowers with timely and convenient loans, and it strives to provide investors with the best return on
investment with the safest investment products.
In order to protect investors, the company operates a 'triple audit system', which is selected through a three-stage
process of internal and external financial experts, legal and tax experts, and is subject to examination and evaluation of
safe investment products. It secures 100% of actual security such as real estate, movable property, and bonds, not credit,
and it secures various safeguards for investors such as representatives' guarantees and promissory notes. In this case, if
the creditor loses profit, the lender immediately exercises the lien to recover the investment. Easy Funding has entered
into a business agreement with a credit information company with long experience and know-how, and if the investment
bond is in default, it is immediately establishing a process to collect the principal from the credit information company
through debt collection or sale. All investors' deposits and investment proceeds are managed by PG's escrow account in
partnership with financial institutions.
-Korea : ‌Korea P2P Financial Association (Association), Standard Chartered First Bank Korea Ltd. (Financial Institution),
FIDELIS (Asset Management), PayGate (Electronic Payment) and Funnypig (Crowdfunding solution)
94
EBcard
Representative Lee Geun-jae Incorporation Date Nov 1st, 2009
Location 51, Boramae-ro 5-gil, Dongjak-gu, Seoul, Republic of Korea
Web Page www.cashbee.co.kr E-mail mskim0731@lotte.net Contact +82-10-4422-4619
Enquiry Contact +82-10-4422-4619 Enquiry E-mail mskim0731@lotte.net
Prepaid card issuance and Form of

Settlement agency Business
Introduction
EBcard is an operator of the integrated transportation card system and issues Cashbee, a plastic and mobile prepaid card.
In addition, it provides transportation cards system in Incheon, Chungcheongnam-do and Gangwon to help customers
to use public transportation conveniently.
EBcard has registered various patents such as automatic card recharging device and method, card trading system by on-
line and off-line, and so on. Also, the company applied for a patent for a traffic card mileage service using coupons and a
transportation card processing system using biometrics.
In October 2017, the company registered as a MVNO (Mobile Virtual Network Operator) to provide telecommunication
services by borrowing the mobile communication network.
History
Nov 2009. The establishment of EBcard
Aug 2010. The conclusion of M&A agreement with Lotte Group
Dec 2010. The launching of prepaid card brand ‘Cashbee’
May 2011. The launching of mobile prepaid card ‘Mobile Cashbee’
May 2015. The conclusion of 2nd agreement for Gyeonggi Intra-city Bus Transportation Card Settlement Business
Aug 2017. The full implementation of transportation payment service for Chungnam Intercity Bus
Oct 2017. The completion of registration into MVNO business

EBcard is carrying out integrated transportation card system and electronic money business.
Cashbee, a prepaid card, has been expanded to a universal settlement service that allows payment from anywhere in the
nation beyond a transportation card function. Cashbee becomes a close-up on life payment instrument that can settle
payments not only in buses, subways, and taxis but also in various places (including Lotte Group distribution merchants,
most convenience stores in Korea and Paris Baguette).
EBcard operates a taxi bill payment system. Currently, it supports payment of individual taxi fares with corporations in
Incheon area.
In the field of e-cash business, besides Cashbee, it operates e-cash business. It operates as an agency for e-cash issued by
financial institutions, and it supports IC Card and terminals suppy, application development for e-cash solution business.
In the area of online e-business, it provides Internet and mobile-based electronic payment service and content business.
RF-based post-payment transportation cards were supplied to six credit card companies, including BC Card.
EBcard also provides data communication services. It provides customized transportation card integration solutions
for LTE data communication services. It provides all the services required for prepaid card settlement as an integrated
solution, and it supports public transportation additional services and other payment services in conjunction with
telecommunication services.
-Korea : ‌CU (convenience store), Lotte (retail), GS25 (convenience store), Megabox (movie), Big file (file sharing), Bizeun
(rice cake sales) and OK Cashback (Points Saving).
-Foreign Countries : ‌7ELEVEN (convenience store), MINISTOP (convenience store) and Baskin Robbins 31 (franchise)

Edium
Representative Kim Jae-myeong Incorporation Date Apr 15th, 2016
Location 66, Chungmin-ro, Songpa-gu, Seoul, Republic of Korea (Room No. T10007-1, Garden Five Life Techno Pavilion)
Web Page www.ediumfunding.com E-mail info@ediumfunding.com Contact +82-2-408-8887
Enquiry Contact +82-70-4450-3995 Enquiry E-mail info@ediumfunding.com
Form of
Main Service Edium Funding Fintech Area P2P Finance B2B/B2C
Business
Introduction
Edium provides Edium funding, a real estate P2P (peer to peer) investment platform.
Investment products are carefully selected through rigorous screening by real estate professionals from a separate
research institute established by Edium. It has concluded MOU with International Asset Trust and Seoul Architecture PCM
Construction.
History
Apr 2016. The establishment of Edium
Jul 2016. The introduction of investor virtual account for KB Bank
Jul 2016. The conclusion of MOU agreement with International Asset Trust
Jul 2016. The conclusion of MOU agreement with Seoul Architecture PCM Construction
Nov 2016. The award of grand prize on P2P Finance part of 2016 Customer Satisfaction Brand
Nov 2017. The application of 3rd party deposit distribution system (SC Bank Korea, Seyfert)

Edium is a P2P platform that specializes in real estate products.
Edium funding, which is operated by the Edium, has lower bond delinquency rate compared to credit loans because it
specializes in real estate collateral. Risk scenarios are being set up to safeguard bonds.
Edium funding deals with four major products. It lends out the construction funds necessary for the construction such
as multi-family houses, apartment building, officetel, and shopping malls. Bridge funds are required to raise funds
temporarily, and funds will be raised temporarily if sufficient funds are collected. Real estate mortgage funds are financial
transactions that finance real estate as mortgages. The meridian funds are funded for the successful bidder who has
difficulty financing after winning the auction. Edium Funding prepares for a crisis management solution as a fallback
plan. It minimizes risks through countermeasures in case of risk from borrowers. For each funding product, it prepares
a contract to prepare for the worst case when the risk is occurred. If there is a risk to the borrower, the business right is
transferred to the investment fund according to the contract of assignment of the loan created at the contract of the loan
agreement and the investment is repaid after the completion of the business. If you invest in some untreated state, you
will be insured so that you can become a primary pledgee.
-Korea : ‌Segwang MK Group (General Construction Industry), PCM Construction (General Construction Industry),
Construction Realty Marketing Cooperative (Co-operated Federation), Real Estate 114 (Real Estate Information),
Korea P2P Financial Association (Association), Asia Trust (Real Estate Trust) and PayGate (Electronic Payment)
96
Eight Percent
Representative Lee Hyo-Jin Incorporation Date Nov 13th, 2014
Location 50, Jong-ro 1-gil, Jongno-gu, Seoul, Republic of Korea (13F, The K-TWIN TOWER Tower B)
Web Page www.8percent.kr E-mail ask@8percent.kr Contact +82-2-2055-1188
Enquiry Contact +82-2-2055-1188 Enquiry E-mail ask@8percent.kr
Form of
Business
Introduction
Eight Percent is a peer-to-peer (P2P) financial platform operator that interconnects borrowers and investors. The online
platform provides fast loan matching for borrowing clients and investing clients by offering lower interest rates for loan
clients than the second banking system and a higher return on investment for investment clients than deposit rates. Eight
Percent has introduced an automated decentralized investment system since February 2016 and is applying the Chat-bot
service. In 2017, it signed a partnership with K bank, an Internet professional bank.
History
Nov 2014. The foundation of Eight Percent Corp.
Jun 2015. The progress of Loan Crowd Funding for Socar.
Feb 2016. The launching of auto-distributed investment system.
Jul 2016. The launching of Chatbot, ‘Aida’, beta service.
Aug 2016. The launching of ‘Lowest Interest Compensation System’.
Jan 2017. The conclusion of MOU agreement with K-Bank
May 2017. The opening of product 2.0 and the deposit of investment in the bank.

Eight Percent provides services that link borrowers and investors through P2P. Eight Percent utilizes an online platform,
eliminating all unnecessary intermediary processes and providing investors with reasonable interest income. Eight Percent
ensures investment stability through its own expert review system and adheres to conservative operating principles for
risk. Through the independent operation of the audit team, the bond will be evaluated and selected more objectively and
efficiently. It provides a convenient and safe investment experience through automatic distributed investment services.
In addition to general personal credit, it also handles small business loans and mortgage products. You can get various
products and services with special rewards as well as return on investment. Eight Percent is improving its services by
introducing ‘Damo’, a big data-based screening system, and ‘Aida’, a chatbot service.
-Korea : KG Inicis (PG Company), Capstone Partners (Investment Company), SBI Course Money (Remittance/Payment)
and DSC Investment (Investment Company)

Elefund
Representative Kim Jun-gyun Incorporation Date Mar 4th, 2016
Location 320, Gangnam-daero, Gangnam-gu, Seoul, Republic of Korea (Room No. 1803, Hwanghwa Building)
Web Page www.elefund.co.kr E-mail all@elefund.co.kr Contact +82-2-517-2988
Enquiry Contact +82-2-517-2988 Enquiry E-mail all@elefund.co.kr
Form of
Main Service P2P Financial Platform Fintech Area P2P Finance B2C
Business
Introduction
Elefund is a peer-to-peer (P2P) loan platform operator.
Elefund has invested in a non-performing loan and specialized P2P manager analyzes their investment products and
minimizes the delinquency and insolvency by examining the risk in advance according to its own risk management
manual. Elefund can easily support unfamiliar real estate auctions and NPL investments to the public. Data mining
predicts the winning bid rate and the future price to provide a safe and highly profitable product. Real estate rights
insurance was introduced in 2017. By co-working with profit, legal companies, it provides professional services.
History
Jun 2015. The award of first prize in Fintech Dream Contest (IBK Industrial Bank)
Mar 2016. The establishment of Elefund Inc.
Jan 2017. The introduction of real estate rights insurance
Feb 2017. The conclusion of MOU agreement with ProFit
Jul 2017. The conclusion of business cooperation agreement for ‘the agency of principal and interest receipt and the
management of collateralized loan’ with Dongin LLC.

Elefund provides loan-type crowdfunding services.
The NPL-funded P2P fund, on which Elefund focuses, collects funds from investors and lends them to a NPL-buying
corporation, and the borrower operates the repayment of the principal by the court's dividend on the mortgaged real
estate. Elefund will calculate the estimated bid price based on collateral valuation, analysis of various market data, and the
activities based on about 300,000 auction databases accumulated over 13 years. The investor is protected by handling
only those items that the actual winning bid amount is higher than the investment principal. Elefund will select investment
products that are safer and more profitable through the analysis of rights, on-site analysis and dividend analysis by NPL
professionals with decades of experience in real estate and finance. Elefund is preparing a method of selling through
NPL specialist companies or a method of receiving direct dividends in case the insolvency occurs during the collection of
investment principal. This minimizes the loss of potential investment customers.
-Domestic : Real Estate 114 (Real Estate Portal Website), IBK Credit Information (Credit Information), PayGate (Electronic
Payment), Korea P2P Financial Association (Association), NICE Credit Rating Information (Credit Information),
SCI Seoul Credit Rating Information (Credit Information), Dongin LLC (Legal Service) and Korea Real Estate
Auction Information (Real Estate Auction Information)
98
Emmental
Representative Han Seung-ho Incorporation Date Apr 29th, 2016
Location 8, Samseong-ro 133-gil, Gangnam-gu, Seoul, Republic of Korea (5F, Building)
Web Page www.emmental.co.kr E-mail contact@emmental.co.kr Contact +82-2-546-0321
Enquiry Contact +82-2-546-0321 Enquiry E-mail contact@emmental.co.kr
Professional Management Form of

Advisory Service Business
Introduction
Emmental is a start-up, providing a specialized robo-advisor service, established by chattered financial accountants,
management consultants and information technology experts with the goal to provide ‘management advisory services.’
Emmental is trying ‘to enhance the competitiveness of customer by eliminating the information asymmetry’ by providing
management support services, which were hard to get before, to almost all businesses.
Also, Emmental was selected as the 3rd enterprise promotion of Fintech Dream Lab by IBK Financial Group and 'First
Penguine-type Startup Company' by Korea Credit Guarantee Fund, respectively.
History
Apr 2016. The establishment of Emmental Inc.
Oct 2016. The acquisition of venture company certificate by Small and Medium Business Administration
Mar 2017. Selected as the 3rd enterprise promotion of Fintech Dream Lab by IBK Financial Group
Mar 2017. Selected as 'First Penguine-type Startup Company' by Korea Credit Guarantee Fund

Emmental introduces ‘BizNep’ service under the goal to provide professional services (including the finance, the tax
and the legal advice) at a reasonable price. BizNep is a business infrastructure platform designed by chattered financial
accountants and professional management consultants. It supports professional consulting services based on the result
of data analysis. Also, it offers the storage of document, the analysis and diagnosis of real-time management, the
evaluation of business performance and the budgeting through mobile application. The company aims to become a
'end-user-oriented web platform' to maintain technology leadership. To do so, it provides high-quality services through
'the voluntary development' from internal experts and 'the dependency development' from real users. Claiming to
advocate "the business navigator for a successful business," BizNep offers customized services for clients; for instance, it
offers customized services to reduce the risk of tax investigation and the time required to prepare loan documents and
corporate documents.
-Korea : ‌IBK Industrial Bank (Financial Institution), Korea Credit Guarantee Fund (Public Institution) and Small & medium
Business Corporation, (SME support)

Everfunding
Representative Oh Sang-min Incorporation Date Feb 2nd, 2017
Location 238, Dotjil-ro, Nam-gu, Ulsan, Republic of Korea (4F, Dalsung Building)
Web Page www.everfunding.co.kr E-mail contact@everfunding.co.kr Contact +82-1522-9117
Enquiry Contact +82-1522-9117 Enquiry E-mail contact@everfunding.co.kr
Real Estimate Loan Crowd Form of

Funding Platform Business
Introduction
Everfunding is a real estate loan-type crowd funding platform.
It operates a peer-to-peer (P2P) financial platform that provides reasonable high-yield loan products to customers who
need funds by directly connecting investors and borrowers, and intermediates high-yield products that are higher than
bank deposit rates. Through technology-based collateral and credit rating systems and online direct deals, the company
connects borrowers and investors. The average investment period is 6.6 months, and the average return on investment is
15.6% per annum.
History
Feb 2017. The foundation of Everfunding Inc.
Jul 2017. The introduction of DDoS Attack Auto-Detection and Block Service

Everfunding provides a higher return on investors and a reasonable interest rate on borrowers by building a P2P platform
to lower financial transaction costs.
The business process is funded by the consumers who submits the loan applications to the fund, and the funding
proceeds by providing information to the investor. Investors will be able to invest through Everfunding. Existing financial
systems have problems such as monopoly of information, high fixed costs, and irrationality of the existing credit rating
system. The P2P open financial platform transparently discloses information about loan products, reduces costs through
online direct transactions, and returns most of the profits to investors. In accordance with the P2P guidelines issued by
the Financial Services Commission, the fund invests funds separately from corporate funds. Ever funding has applied
Seyfert system based on the block-chain technology of PayGate, and the fund is deposited in NH NACF, which is affiliated
with PayGate.
-Korea : Korea P2P Finance Association (P2P Company Support)
100
Everspin
Representative Ha Young-bin Incorporation Date Feb 28th, 2014
Location 33, Gukjegeumyung-ro 6-gil, Yeongdeungpo-gu, Seoul, Republic of Korea (12F, Manhattan Building)
Web Page www.everspin.co.kr E-mail everspin@everspin.co.kr Contact +82-2-2135-6239
Enquiry Contact +82-2-2135-6239 Enquiry E-mail everspin@everspin.co.kr
Eversafe, Trans Plus, Form of

Smart Key Pass and Code Mix Business
Introduction
Everspin is a specialist in providing security solutions.
It has developed a security module that protects user programs for a limited amount of time by combining time and
dynamic source-based concepts.
This change leads to differentiation from most domestic security companies that replicate and sell foreign security
products. It has collaborated with Oracle, a global software developer, and was awarded Prime Minister's Prize for
Mobile Technology in 2016. Earlier this year, Everspin, which won 1 billion won from DSC Investments, secured 2.2 billion
won in investment funds, which was established by Koscom and Mirae Asset in early 2017. In March 2017, it attracted 5
billion won investment from Stick Investment.
History
Feb 2014. The foundation of Everspin Inc.
Mar 2015. The pass of whole tests for financial security by Financial Security Research
Jan 2016. The conclusion of co-business agreement with Koscom
May 2016. The participation into the finals of ICT Spring 2016 Asia in Luxembourg
Jul 2016. The conclusion of MOU agreement with Oracle Corporation
Nov 2016. The award of Prime Minister Prize in the 16th Mobile Technology Award
Mar 2017. The attraction of 5 billion won investment from Stic Investment

Everspin introduces Eversafe, a dynamic security platform that provides security solutions.
Everspin creates a dynamic security module on the cloud server every time the app is run, which is time-constrained to
protect the mobile client from hacking. The generated dynamic security module is allocated to the app to be protected
and is operated after a limited period of time and then discarded. This system prevents hackers from hacking.
Everspin protects your apps every time your app runs and with new dynamic security modules at certain times. Once
used, the dynamic security module is discarded after a period of time and is not reused. It can be applied to various
environments such as PC including application, Internet of things. Everspin's security solution has only a space that can
be assigned a security module in the app, and it is impossible to analyze the module of the hacker by allocating a security
module composed of different source code with time restriction each time the app is executed.
-Korea : KOSCOM (Securities Computerization)

EYL
Representative Jung Bu-seok Incorporation Date Jan 8th, 2015
Location 13, Heungdeok 1-ro, Giheung-gu, Yongin-si, Gyeonggi-do, Republic of Korea (Room No. 1207, Towerdong)
Web Page www.eylpartners.com E-mail bsjeong@eylpartners.com Contact +82-31-660-7190
Enquiry Contact +82-10-3168-1418 Enquiry E-mail jhbaik@eylpartners.com
Micro Quantum Random Form of

Number Generator Business
Introduction
EYL Corp. is a security technology provider utilizing a quantum cryptographic random number generator. EYL Corp.
has developed a Micro Quantum Random Number Generator (Random Number Generator) Chip to provide the
cryptographic key of the cryptographic system, thus securing the technology to block the hacking through cryptographic
key prediction. EYL Corp. was selected as one of the top 10 companies in the "Internet of Innovation Award" by
Qualcomm, LG and Korea Internet Promotion Agency in 2015. In November of the same year, EYL Corp. was selected as
the best in the "MassChallenge Boston" And won the Merchant 'Diamond Winner' award.
History
Jan 2015. T he Establishment of EYL Corp.
Sep 2015. Selected as the investment-promising I.o.T company (Ministry of Science, ICT and Future Planning)
Oct 2015. ‌The award of “Champion” for the startup part in 2015 I.o.T Award (Ministry of Science, ICT and Future
Planning, Korea Internet & Security Agency)
Jul 2016. Selected as top 10 companies in ‘I.o.T Innovative Awards’ (Qualcomm, LG and KISA)
Nov 2016. ‌Selected as Diamond Winner in MassChallenge Boston competition for 4 months (The world’s top authorities
of venture Olympics)
Feb 2017. The award of Best Business Model Prize (Gyeonggi Creative Economy and Innovation Center)

EYL Corp. has developed security technology using random numbers.
The most fundamental technology in encryption is random number generating technology. The encryption key is
generated using random numbers. Commonly used cryptographic systems use pseudo-random numbers, but they
are used for convenience and are not completely random, so they are exposed to hacking as it can be predicted. EYL’s
quantum random number generator extracts random numbers from natural phenomena, making it impossible to
predict, and can be stored in a very small chip and requires low power, it is suitable for security of IoTs. EYL has the
original technology that can be applied to subminiature IoTs, replacing existing algorithm-based encryption key. It has
developed a smaller and cheaper product than the existing quantum random number generator. The price for a 5 × 5
mm chip size is less than $ 1.
Server type quantum random number generator is used for authentication and cryptography. It is equipped with USB
type or PCI-Express type quantum random number generator inside.
Secured USB Intrigen (TriGen) performs user's mobile authentication through authentication number using quantum
random number generation technology. It is known as User real-name memory stick. It also has the ability to monitor the
transactions of users in the USB memory stick.
The low-power film type 'Micro-QRNG' is under development and it will launch film and card type that operate with
RFID power
-Korea : ‌KB Financial Group (Financial Institution)
102
FABOT Inc.
Representative Byun In-seon Incorporation Date Jan 12th, 2016
Location 76, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (3F, Koscom, Fintech Test Bed Center)
Web Page www.fabotinvest.com E-mail info@bsmit.net Contact +82-2-6331-6225
Enquiry Contact +82-2-6331-6225 Enquiry E-mail info@bsmit.net
Form of
Main Service Software Development Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
FABOT is a robo-advisor service provider, utilizing A.I. for asset management service. FABOT structured all process
from collecting data to investment decision to be automated by A.I. and automation technology. It established the
discretionary investment consulting company to offer various range of subscription service.
In 2016, it won robo-advisor hackathon competition by Japan ISID, and it was also selected as robo-advisor testbed by
Financial Services Commission.
History
Dec 2015. The conclusion of MOU agreement with KOSCOM
Nov 2016. Winning on Robo-Advisor Hakerthon hosted by Japan ISID (Dentsu Information Technology)
Feb 2017. Selected as Hana Finance 1QLab
Apr 2017. The test bed pass of robo-advisor (Financial Services Commission)
May 2017. The launching of Fabot Rank service cooperated with Kiwoom Securities (Investment Information Service)
Jun 2017. The launching of Fabot Rank service cooperated with Korea Investment & Securities (Investment Information
Service)
Aug 2017. The sales of entrusted fabot investment consulting product (stable type, growth type) – (Ebest Investment and
Securities, Mirae Asset Securities)

FABOT provides a robo-advisor service.
FABOT has a technology that it collects financial data existing on internet and use it as database automatically, which is so
called ‘smart scrapping,’ then analyzes them and converts into meaningful data using its technology. Moreover, through
accumulated data, it automatically invests in and manages it assets to create profit.
A characteristic of FABOT’s algorithm is that not only it allocates assets to secure it profits but also it distributes its
strategies. There are various strategic techniques from style strategy to quant strategy, FABOT can utilize multiple
strategies at the same time. It selects different asset distribution system according to a customer’s tendency. After it
analyzes a customer’s tendency, it analyzes various financial numbers from economy, production, consumption, trade
deficits, and others to calculate a proportion of risk-free assets and riskier assets. Based on this result, it then applies new
set of strategies such as global asset management, value, quality, and momentum strategies.
Starting from May 2017, it has offered investment information analysis service to kiwoom securities. In real-time, it
provides information on growth, valuation, fundamental analysis, financial analysis, charts analysis, scores of machine
learning.
Currently, its service is provided to Kiwoom Securities, Korea Investment & Securities, and E-Vest Securities.
-Korea : ‌Financial Service Commision, Koscom, baks foundation for young entrepreneurs, Korea Technology Finance
Corporation, Maeil Economy, E-best Securities, Hana Financial Group, Kiwoom Securities, Korea Investment and
Securities, Seoul Economy.

Fast Call Inc.
Representative ee Kang-Hyun Incorporation Date Dec 21th, 2016
Location 76, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (Koscom, 3F, Fintech Test Bed Center)
Web Page www.fastcall.co.kr E-mail customer@fastcall.co.kr Contact +82-70-8899-0921
Enquiry Contact +82-70-8899-0921 Enquiry E-mail customer@fastcall.co.kr
Form of
Main Service Fast Call Fintech Area Others B2B/B2C
Business
Introduction
Fast Call is a provider of information to support fair value investments and is quickly supplying reliable data to users.
Fast Call has signed an API contract with Koscom to quickly provide market information to users and provide the easy
access to publicly available information, which is difficult for general investors to understand based on published data and
earnings.
History
Dec 2016. The foundation of Fast Call Inc.
Aug 2017. The participation into ‘Fintech Demoday’ Event held by Koscom.
Sep 2017. The entry into Koscom.

Fast Call provides useful information to general investors.
It accurately and conveniently compiles the contents of the public announcement, helping even the novice investors
realize the right and wise value investment. It also provides services that help people understand the right information
about the company and shares the ability to update performance disclosures in real time for free.
Fast Call quickly collects investment information and easily indexes information that is easy to miss. It receives investment
data in real time and supports investment ahead of others.
Fast Call Mobile Service is an investor-customized assistant program that helps investors find real-time information on
various disclosures and performances that need to be searched and found separately. It helps users to interpret quickly
and easily whenever important announcements such as sales contracts, equity changes, etc. are disclosed.
-Korea : ‌Hyosung CMS (Electronic Payment Service) and Koscom (Financial Institution)
104
Fin2B Inc.
Representative Park Sang-Soon Incorporation Date Apr 23rd, 2015
Location 123, Yeoksam-ro, Gangnam-gu, Seoul, Republic of Korea (6F, Hanyang Building, Yeoksam-dong)
Web Page www.fin2b.com/ko E-mail admin@fin2b.com Contact +82-2-552-9890
Enquiry Contact +82-10-3256-3902 Enquiry E-mail bskang@fin2b.com
Accounts Receivable Discount Form of

Main Service Fintech Area FInance Platform B2B
Platform Business
Introduction
Fin2B is a Fin-tech company that leads the innovation of the financial industry through financing using receivable
accounts in the area of Supply Chain Finance (SCF). In March 2017, it launched the ‘Fin2B Accounts Receivable Discount
Platform’, a short-term financing solution for small and medium-sized companies. It is planning to launch a market in
Vietnam in the first half of 2018. Fin2B is aiming to become ‘Asia's leading supply chain financing (SCF) specialty fintech
company" by 2020.
History
Apr 2015. The Establishment of DBK Partners
Oct 2015. The launching of Fin2B.
Jan 2016. The domestic application of patent for the method of repayment of account receivable.
Mar 2017. The lauching of A/R Discounting Platform in Korea
May 2017. The conclusion of MOU agreement with Lotte Mart’s Vietnamese branch
Jul 2017. The application of patent for ‘How to trade account receivable’ in Korea and ‘International patent application’
abroad.

Fin2B provides Fin-tech services for businesses.
Fin2B is actively leveraging the Supply Chain Financing (SCF) approach to meet the funding needs of SMEs. Financing
as a supplier is a way for small and medium-sized business partners to raise funds more efficiently by utilizing various
business assets that arise from business relations with large corporations. Business assets that SMEs can use as a means
of procurement include trade receivables, inventories, and cash from the transaction. The platform, which is the basis
of Fin2B, is a discount platform for trade receivables. The trade receivables discount platform is a direct trading market
place where SMEs with weak credit ratings are able to raise and sell their receivables issued by high-credit buying
companies (including major corporations) at an early discount. In connection with the enterprise resource management
of the purchasing company, it generates the receivable information and verifies the authenticity. It provides discount
applications, bond transfer services and others, so that the SME can receive the cash the next day after discount
application. In addition to sales companies, investors can find more accurate receivables information, which improves
financing. The seller who wants to raise funds from purchasing company receivables is obliged to apply discount
application and bond transfer contract through the platform, and PIN TOBI will promptly verify the information and
prepay up to 80% of bond amount the day after application. The remaining balance will be deducted from the total cost,
including discounts.
-Korea : ‌Shinhan Financial Group (Financial Institution), Gyeonggi Center for Creative Economy & Innovation (Financial
Institution), IBK Industrial Bank of Korea (Financial Institution), Lotte Group (Major Corporation) and Lotte
Accelerator (Startup Support

Finda Inc.
Representative Lee Hye-min, Park Hong-min Incorporation Date Oct 5th, 2015
Location 16F, 343, Samil-daero, Jung-gu, Seoul, Republic of Korea (Jeo-dong 1-ga, Daesin Finance Center)
Web Page www.finda.co.kr E-mail hello@finda.co.kr Contact +82-10-3807-0557
Enquiry Contact +82-10-3807-0557 Enquiry E-mail hello@finda.co.kr
Finda Form of
Main Service (Web Service) Fintech Area Financial Platform B2B/B2C
Business
Introduction
Finda is the platform which introduces various client-customized financial products into one place to compare them.
Finda offers financial products information on loans, investments, cards, and insurance. It introduces various essential
financial products such as loan, checking/savings, credit cards, insurance, and P2P investment products.
It also includes qualitative and quantitative customer review data. It also recommends through A.I. chatbot that it offers
products curation, 200 of customer data driven recommended products.
It started a financial mall by cooperating with Tmon.
History
Sep 2015. The foundation of Finda Inc.
Apr 2016. The launching of Finda Service (Loan, Deposit/Installment Savings, P2P)
Jan 2017. The co-foundation of Financial Mall with TMON
Apr 2017. The launching of Credit Card Service
Jul 2017. The launching of Credit Card Curation Service in TOSS.
Sep 2017. The launching of recommendation service based on chat-bot and opening of insurance recommendation
service

Finda is offering customized financial product recommendation services.
It provides a personalized total asset management total solution by providing advanced technology and optimized user
experience in the personal finance market. Through advanced data-based matching algorithms, the company finds
optimal financial products such as product information and preferential benefits from a total of 31 affiliated financial
institutions, including banks, in consideration of the past and present as well as the future situation of users. Finda's
product data uses the FSS's application program interface (Open API). In order to display accurate information in real
time, Finda's product data is transmitted to the financial institution that has affiliated with it, Information is being
provided. The loan recommendation service can be checked in one minute by the lowest interest rate if you enter the
conditions from the home equity loan to the credit loan, the P2P loan, The 'House Price Calculator for Me' sets the
appropriate housing price considering current assets, income, and expenditure, and confirms the necessary loan amount
accordingly. It can be used without needing to connect to Finda whenever financial product recommendation is required
anytime and anywhere. Finda is also offering recommendations on financial products in cooperation with Timon, Toss,
and blinds as well as Web sites.
-Korea : ‌Shinhan Bank (Financial Institution), Hana Bank (Financial Institution), Hyundai Card (Financial Institution),
Shinhan Card (Financial Institution), Samsung Card (Financial Institution), Hyundai Capital (Installment Finance),
Woori Card (Financial Institution), Lotte Card (Financial Institution) and Kookmin Card (Financial Institution)
-Foreign Countries : Citi Bank (Financial Institution)
106
Fin-mart Inc.
Representative Lee Seung-Bae Incorporation Date Jan 5th, 2016
Location 31, Digital-ro 30-gil, Guro-gu, Seoul, Republic of Korea (Room No. 1105, Kolon Villant 2-Cha)
Web Page www.finmart.co.kr E-mail infomgr@finmart.co.kr Contact +82-2-2081-1790
Enquiry Contact +82-2-2081-1798 Enquiry E-mail hklee@finmart.co.kr
Form of
Main Service Financial Service Fintech Area FInance Platform B2C
Business
Introduction
Finmart is a start-up company established on January, 2016. Finmart is a Fin-tech company that aims to be a supermarket
of financial products as the word "Fin-mart" implies and provides a comparative information platform for financial
consumers to choose the best financial product. Specifically, it is an app-based personalized loan comparison quotation
service that collects all necessary loan information such as price (interest rate), limit, repayment conditions, etc. that meet
the individual's credit rating. It made partnerships with various industries in credit, real-estate, auto loans. It builds co-
existing financial environment between financial institutions and customers who need credit financing.
History
2016. The establishment of Fin-mart
2016. The conclusion of car information usage agreement with
2016. The conclusion of agreement with Whoopers, payment platform affiliated with SOHO
2016. The conclusion of loan comparison & estimate agreement for using credit evaluation information of second
quarter with KCB
2016. The development of used automobile loan service for dealers (B2B2C)
2017. The launching of application (EModeun) for a loan comparison & estimate

Finmart is a platform operator that supports the selection of various financial products.
Finmart connects multiple banks and borrowers directly on the Internet. There is no fee for not having a counter staff or a
mortgage outsourcing, so the loan interest rate is lowered accordingly. You do not need to issue an official certificate and
enter only the annual income, job title, company size, and desired loan amount, you can get a loan interest rate quote.
Finmart uses credit rating agencies to reflect customer credit information. Once you are presented with the interest rates
and terms of the loans offered by various banks, you can choose one. It is a pure way to choose by only conditions. The
interest rate is lowered as the loan proceeds through reverse auction. Finmart's differentiating point is that in the case
of other financial institutions, the fees paid by loan takers are reduced in the interim, which means that they will be able
to reduce interest on customers. Since Finmart is a direct-deal platform that does not have a loan collector in the middle,
problems such as incomplete sales and leakage of personal information will be alleviated if usage is activated.
-Korea : ‌Shinhan Life Insurance Co., Ltd (Insurance), YAP Company (Discounting Service), Don’t Worry Co. (Loan
Consulting), F Five Family (ICT Service), The The The (Drink Driving Control Service), Fin Talk (Financial Consulting),
Shinhan Credit Information Co., Ltd (Installment Finance), Nice Information & Telecommunication Inc. (IT
Company) and Cap Software (IT Company).
-Foreign Countries : ‌CITI Bank (Financial Institution)

FINNOS
Representative Choi Hee-sik Incorporation Date Feb 3rd, 2016
Location Gwanghwamun Post Office, 6, Jong-ro, Jongno-gu, Seoul, Republic of Korea. (5F, Incubating Center, Seoul Creative Economy Innovation Center)
Web Page www.finnos.co.kr E-mail finnos@finnos.co.kr Contact +82-2-2272-2017
Enquiry Contact +82-2-2272-2017 Enquiry E-mail na.juyuep@finnos.co.kr
Form of
Main Service Alpha Wave (AWAVE) Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Finnos is a Fin-tech start-up that provides payment services.
It presents a new paradigm of payment/settlement by providing easy, convenient, safe, and cheap ‘reverse flow payment.’
Finnos was selected as an export success package business by the Ministry of Small and Medium-sized Venture Business
and is promoting the introduction of services with Taiwan payment service providers. It is focusing on global business
with developing countries such as Southeast Asia as its target market.
History
Feb 2016. The foundation of FINNOS Co., Ltd.
Oct 2016. The conclusion of MOU agreement with Shinhan Card Co., Ltd.
Feb 2017. The launching of Alpha Wave (AWAVE) mPOS
Aug 2017. Selected as the Export Success Package Business (the Ministry of SMEs and Startups)
Oct 2017. The contract talks of new service introduction with a Taiwanese payment enterprise.
Nov 2017. The launching of Share Office Membership Authentication/Payment Business (MoA)

Finnos is a specialist in developing and delivering new payment solutions.
Finnos' alpha wave (AWAVE) is a sound wave payment solution that does not cost you to build a payment infrastructure.
You can download and install alpha-wave applications and POS apps for free on smartphones and tablets owned by
customers and business owners.
Alpha Wave has significantly improved the inconvenience of traditional offline mobile payments. User experience (UX) is
very simple and easy with touch & confirmation. If you Just brings the smartphone that a customer always carries to near
the payment terminal, you can get the payment information, check the details, and complete the payment by fingerprint
or password authentication. Alpha Wave can be used without installing expensive POS devices. Finnos has filed more
than 110 patents, including reverse payment originating patents, and is also preparing for overseas patent applications.
AlphaWeb is borrowed from free mPOS, so it can be used anytime and anywhere, and mPOS can be managed by
multiple users and multiple stores in the cloud. In addition to basic POS functions, it provides proximity, remote billing,
table ordering and billing functions.
-Korea : ‌Shinhan Card (Financial Institution), KT (Telecommunication), KG Inicis (Electronic Payment), SETTLEBANK
(Financial Institution), POWERVOICE (Voice Recognition), Seoul Center for Creative Economy and Innovation
(Government Agency) and Shinhan Future’s Lab (Financial Institution)
108
Finnq Inc.
Representative Min Eung-jun Incorporation Date Aug 29th, 2016
Location 100, Eulji-ro, Jung-gu, Seoul, Republic of Korea (20F, Pine Avenue, Eulji-ro 2nd Street)
Web Page www.finnq.com E-mail partner@finnq.co.kr Contact +82-2-6031-5200
Enquiry Contact +82-2-6031-5208 Enquiry E-mail hjshin@finnq.com
Form of
Main Service Finnq Fintech Area Payment/Settlement B2C
Business
Introduction
Finnq attracted the investment from Hana Financial Group (51%) and SKT (49%) to show the innovative life-financial
platform that always provide new financial experiences to clients based on the integration of financial knowhows from
Hana Financial Group and ICT technologies from SKT Corp.
Finnq analyzes consumption habits of clients, alerts consumption and expenses, recommends financial products, and
provides a small amount remittance service. It provides simple and amusing financial experiences for 20s/30s clients who
have felt financing products as difficult and boring and thus had difficulty developing healthy saving habit and systematic
expense management. Finnq will not only provide services tailored to 20s/30s as their financial assistant but also develop
seniors only platform for customers in ages of 60s or older.
History
Aug 2016. The establishment of Finnq Inc.
Sep 2017. The launching of Finnq service

Finnq is a new financial platform jointly established by financial institution and telecom company. Among the services
provided by Finnq, FIT ME is a financial product that can benefit from various savings. FIT ME Service has launched a
'T-Finnq Savings' that helps banks, telecom companies and card companies collect the benefits they provide individually
and make money.
Finnq basic account provides a memorable account number based on the mobile phone number. You can use up to a
limit of 500,000 won for basic, up to 2 million won for KEB Hana Bank account. It is possible to send remittance and
ATM withdrawal only by fingerprint authentication and password input without an authorized certificate. SeeMe drives
reasonable consumption habits based on expenditure data analysis. If you agree to connect with financial institutions,
you can view and aggregate account details of various agencies through SMS parsing and scraping. It provides insight
into basic but precise spending and income information, and it facilitates easy management of financial assets and even
small accounts that are easy to miss. It also includes a function to estimate the surplus funds at the end of the month by
analyzing income and expenses. Finnq prepares a comprehensive platform that enables not only financial services but
also cultural arts activities such as performances, hospital consultation and consultation to be done using one application.

Finotek Inc.
Representative Kim Woo-sup Incorporation Date Nov 13th, 2008
Location 1, Yangjaecheon-ro 9-gil, Seocho-gu, Seoul, Republic of Korea (3F, Yongdu Building)
Web Page www.finotek.co.kr E-mail company@finotek.co.kr Contact +82-2-522-3558
Enquiry Contact +82-10-8663-7344 Enquiry E-mail seueul@finotek.co.kr

Robo-counseling, Non-face-to-
face Real Name Confirmation, Form of
Main Service Fintech Area Finance Platform B2B
Electronic Contract, Non-face- Business
to-face Security Solution
Introduction
Finotek Inc. is the global Fin-tech platform company to offer various Fin-tech solution services (including non-face-to-
face real name confirmation, Robo-counseling, electronic contract and non-face-to-face security loan) to domestic and
overseas banks and financial institutions. It received the Grand Prize in the mortgage part for ‘One Day Mobile Mortgage
Loan’ in ‘2015 Citi Mobile Challenge’, a global Fin-tech contest hosted by Citi Group; since then, it has gained attention
from the non-face-to-face financial market. It made a list to ‘TOP 500 Deloitte Asia Pacific Fast Developing Companies
List’ in two consecutive years in 2016 and 2017. It is expanding globally to Europe, South America, Southeast Asia, and
North America for its Fin-tech market with its Portugal branch, Finotek Global and Finotek Europe, a joint company with
German Fin-tech company.
History
Nov 2008. The foundation of Lstro Corp.
Apr 2015. T he change of company name into Finotek Corp. The merger with the subsidary company (I'ST Structure
Solution Co., Ltd.)
Aug 2016. The establishment of Finotek Europe in collaboration with a German fintech group
Nov 2016. Selected as the 51st company in the ‘2016 Steeply Increasing 500 Companies in the Asia-Pacific area’ (The 1st
company in the ‘Asian fintech companies’) by DTT Co., Ltd.
Mar 2017. The establishment of subsidiary company, ‘Finotek Global’, in Portugal.
Jul 2017. Selected as Top 5 companies in the BNP Paribars Cardif Awards

Finotek offers a variety of Fin-tech solutions for domestic and international financial sectors. Robotic counseling solution
(Finobot) is an artificial intelligence solution that can be used for chatting and voice conversation, from consultation to
financial transactions. Finobot is a system that supports artificial intelligence counseling based on a counseling database
accumulated by machine learning algorithms. It supports the operation of consultation channels on mobile devices
anytime and anywhere regardless of business hours of financial institutions. It is possible to establish a consultation
scenario so that the consultant can communicate with a client. It also has automatic detection of expected typos and
spacing errors. It also supports a variety of financial transaction services through the integration of the financial institution
DB, eliminating the hassle of having to go through various applications for complicated authentication procedures
for existing financial related services. Therefore, it is possible to do all the work in one screen on a conversation
basis. The consultation and analysis of the financial transactions reveal personalized financial product launches and
recommendations, which evolve into tailored services that customers can find out before customers find out. It is highly
utilized in areas such as banks, credit card companies, insurance companies, and securities firms, where call centers need
to be operated in order to respond to customers of financial institutions and telecommunications companies. It can be
applied to call center business upgrading and substitution, inbound and outbound calls. Finotek's non-contact blindness
verification solution enables identity verification and authentication without visiting anywhere, anytime, or face-to-
face. The electronic contract solution provides a paperless environment by the combination of handwritten signature
authentication and electronic documents.
-Korea : ‌Shinhan Bank (Financial Institution), KB Kookmin Bank (Financial Institution), Woori Bank (Financial Institution),
BNK Busan Bank (Financial Institution), DGB Daegu Bank (Financial Institution), MG Saemaeul Finance Firm
(Financial Institution) and Export-Import Bank of Korea (Financial Institution)
-Foreign Countries : ‌Allianz (Financial Institution), Standard Chartered Bank (Financial Institution) and Citi Bank (Financial
Institution)
110
Finshot Inc.
Representative Park No-Hyun Incorporation Date Apr 1st, 2016
Location 18, Maebongsan-ro, Mapo-gu, Seoul, Republic of Korea (Room No. 507, Mapo Support Center for Foundation)
Web Page www.finshot.com E-mail info@finshot.com Contact +82-70-4469-6217
Enquiry Contact +82-070-4469-6217 Enquiry E-mail wyyu@finshot.com
Form of
Main Service Coinshot Fintech Area Remittance (Overseas) B2C
Business
Introduction
Fin shot Inc. is an overseas remittance service provider offering 'coin shot' services that are fast, cheap and easy to send
overseas.
It is working to reduce unnecessary commissions, shorten long transfer time and speed up the transfer of more money to
domestic foreign workers.
Fin shot Inc. was awarded at SC First Bank's Fin-tech competition in 2017. It was selected as a pilot company for small-
scale overseas remittance by the Seoul Metropolitan Government and officially registered with the financial authorities as
a small overseas remittance provider.
History
Mar 2016. Establishment of Finshot
Oct 2016. Launched an overseas remittance service, ‘Coinshot’.
Feb 2017. Selected as a mobile small overseas remittance pilot project company in Seoul
May 2017. Awarded the prize in the 2017 Standard Chartered (SC) FintechExhibition
Sep 2017. Registered the small overseas remittance service

Fin shot Inc. introduces a coin shot, which is an overseas remittance service.
Coin shot provides overseas remittance services using web and applications. After a simple subscription and self-
certification process, one enters the recipient and deposit the amount to the issued account. Fin shot Inc. supports
Philippines, Vietnam and Indonesia. It is possible to transfer up to $ 3000 per case and $ 20,000 per year under the
Foreign Exchange Transactions Act. It allows saving by eliminating unnecessary commissions when using existing SWIFT
networks. 'Coin shot' means that in the case of the Philippines, you can get money from the local bank and pawn shop
within 10 ~ 30 minutes on average after applying for transfer.
-Korea : ‌Seoul Metropolitan Office (City), KOTRA and Small & medium Business Corporation

Finstreet
Representative Shin Geon-yeong Incorporation Date Jun 1st, 2016
Location 23, Yeongdeungpo-ro 3-gil, Yeongdeungpo-gu, Seoul, Republic of Korea (Room No. B104)
Web Page www.finstreet.co.kr E-mail finstreet@finstreet.co.kr Contact +82-1522-4472
Enquiry Contact +82-10-8784-9396 Enquiry E-mail finstreet@finstreet.co.kr
Form of
Main Service P2P platform Fintech Area P2P Finance B2B/B2C
Business
Introduction
Finstreet is a real estate collateral NPL specialized P2P platform provider and it is trying to achieve the goal of securing
secured property through professional screening and providing attractive and sustainable rate of return through a
network with specialized companies such as real estate NPL investment corporation and auction corporation.
It built a third-party depository system to protect investors and a post-management system to quickly withdraw funds
from debt obligations of the borrower. Finstreet is a P2P company that specializes in real estate NPL collateral among
various collaterals. Therefore, by understanding the consumer's perception of real estate NPL P2P and analyzing the rights
in relation of complex real estate NPL, it is easier for individual investors to invest indirectly in real estate by a guidance
from Finstreet.
History
Jun 2016. Establishment of Fi Sstreet
Sep 2016. Opening of P2P loan product ‘The 1st Fin’
Jan 2017. The conclusion of MOU agreement with Korea Economy TV
Mar 2017. The achievement of P2P loan amount of 5 billion won
Jun 2017. Development of investor protection third party deposit system (SC Bank Korea)
Jul 2017. The conclusion of supply partnership agreement for real estate mortgage bond (LoanPlus Finance)

Finstreet is a professional P2P lender specializing in real estate. Analysis of the rights relationship of complex real estate
NPL suggests that individual investors can invest indirectly in real estate in a smaller amount. Finstreet provides safety
services in partnership with its partners. The lender of Finstreet is in cooperation with NPL Partners for real estate review
and investment know-how. The NPL Partners provides loans on real estate to finance. Fin Bad Bank minimizes the
potential risk for Finstreet’s investors and suggests a safe investment. The characteristics of the Finstreet Network are
maximizing return on investment and interest income with the highest rate of return of 16.55%, construction of safe
investment products through specialization of real estate collateral examination, and perfect exit strategy system.
112
FINTECHLAB
Representative Kim Moon-hyeong Incorporation Date Apr 2nd, 2015
Location 164, Seopangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No.304)
Web Page E-mail contact@oranzybook.com Contact +82-70-7758-9830
Enquiry Contact +82-10-7251-7654 Enquiry E-mail mh.kim@oranzybook.com
Form of
Main Service Coconut, Witch Dog and Owl Fintech Area Robo-Advisor B2C
Business
Introduction
Fin Tech Lab is an application software and application developer. It is developing household account applications,
account management apps, and financial asset management apps. It provides a variety of application services to help
consumers manage their money smarter.
'Coconut', which is an asset management app and household calculator, is a representative product, and you can see the
status of asset consumption and items consumption through Coconut.
History
Mar 2015. The establishment of FINTECHLAB
Dec 2015. The launching of integrated account management automated household ledger, 'Coconut'

Fin Tech Lab is developing a variety of financial management support applications. 'Coconut' from Fin Tech Lab provides
automatic household account and asset management services. Utilizing scrapping technology and an open platform,
it has automatic bookkeeping function through account integration inquiry. You can view transaction details in a more
secure way, and if you want to know what's in your safe, you can create a list of things and keep them elsewhere. Also,
when creating a list, you have the ability to organize by category so you can see the management list at a glance. Fin
Tech Lab provides real estate rental management services through 'location dog'. It provides automatic management of
monthly rent storage and facilities such as facility management, vacancy management and eviction management.
Another service, 'Owl', is a hospital-only management information system that supports monthly settlement and tax
accounting processing by simply checking the details.

FlyHigh
Representative Kim Gi-young Incorporation Date Apr 15th, 2015
Location 20, Pangyo-ro 289beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 318, 3(sam)-dong, Startup Campus)
Web Page www.flyhigh-x.com/en E-mail contact@flyhigh-x.com Contact +82-70-7809-0037
Enquiry Contact +82-10-8736-8744 Enquiry E-mail contact@flyhigh-x.com

Security Technology
Consulting, and Civil Form of
Complaint Document Issuing Business
and Supplying
Introduction
FlyHigh Co. is a specialized provider of application security solutions, authentication services, and security consulting.
FlyHigh has been working to create a convenient world through security, developing safe and convenient systems and
services, and providing solutions that make uncomfortable tasks easier through security. In order to realize this vision, the
company aims to present solutions to the major countries as well as to build up solutions in the representative banking
countries in order to realize the vision and offer the solution suitable for the user while faithfully observing the policies
and regulations set by the society.
FlyHigh plans to establish a global infrastructure by entering overseas partnerships and securing local references to enter
Asia and Europe markets that require user authentication solutions.
History
Apr 2015. The establishment of FlyHigh
Jan 2017. The completion of security technology consulting for Kakao Bank
Jul 2017. Selected as the member company of BornToGlobal Center. The launching of OmniDoc Service for Kakao Bank
Aug 2017. Selected as the KB Innovation Hub Cooperative Start-Up
Sep 2017. The acquisition of OmniDoc Green certificate
Oct 2017. Selected as KB Starters

FlyHigh offers a comprehensive range of authentication services.
Fly High's OmniDoc’ is a service that allows you to conveniently apply for a certificate of complaint on the mobile anytime
and anywhere with a smartphone even if you do not have a computer. It provides convenience to users, simplification
tasks for users, and further information-based operation of the company.
FlyHigh is supporting the conversion of other domestic financial institutions to digital, starting with Kakao Bank, an
Internet bank. This service has gained GS certification level 1 and green certification by an accredited testing institute.
Based on security internalization techniques, FlyHigh supports security technology consulting services that make
products, services, and corporate IT work environment safer and more convenient.
114
Fount
Representative Kim Young-been Incorporation Date Nov 9th, 2015
Location 50, Chungjeong-ro, Seodaemun-gu, Seoul, Republic of Korea
Web Page www.fount.co E-mail contact@fount.co Contact +82-2-2038-0263
Enquiry Contact +82-10-2353-8087 Enquiry E-mail cho@fount.co

“Woori Robo-Alpha” B2C
Service for Woori Bank– Form of
Main Service Fintech Area Robo-Advisor B2C
Scheduled to go on sale in the Business
first half of 2018.
Introduction
Fount is an online wealth management service provider. Fount provides customers with customized portfolios based on
algorithms that use customer data and financial data. more
The goal is to make the asset management popular with low commissions and initial investment amount.
Fount is also engaged in real time rebalancing that is sensitive to asset allocation, investment propensity, customized
portfolio, and market changes for stable profits.
Global investor Jim Rogers is in charge of investment advisory board.
History
Nov 2015. Establishment of Fount
Feb 2016. The launching of ‘Robo Ad-Alpha’, Woori Bank’s pre-experience service.
Apr 2016. The launching of Discretionary Investment Smart ISA for Industrial Bank of Korea (ISA Product)
Feb 2017. The foundation of ‘Fount AI’, a subsidiary for AI.
Apr 2017. The launching of Robo Advisor-based Fund Product (IBK-Fount)
Jun 2017. The launching of Robo-Advisor Lab (EUGENE INVESTMENT CO., LTD. – Fount)
Jun 2017. The launching of Robo-Advisor Permanent Fund (HMC Investment Securities Co. – Fount)

Fount provides robo-advisor service.
It has been established to seek concrete solutions for the realization of economic freedom of all people and is spreading
the service of the robo-advisor for the public in the situation where low interest rate, low growth rate, and aging become
mega trends.
Fount's Financial Big Data Portfolio service analyzes the relationship between various assets of the world and what
kind of relationship they have under the influence, and it allocates the assets according to the customer's tendency and
situation. Fount develops the Blue Whale engine, a robo-adviser engine, and combines financial data analysis technology
and asset allocation theory to produce the optimal combination of assets. The portfolio is composed of an asset
allocation optimization engine based on correlation analysis. ETFs and funds have invested in ETFs and fund automation
engines designed separately.

Fount AI
Representative Joo Dong-won Incorporation Date Feb 8th, 2017
Location 17-15, Cheomdangwagi-ro 208beon-gil, Buk-gu, Gwangju, Republic of Korea (Room No. 509, Oryong-dong)
Web Page www.fount.co/services/ai E-mail fount.ai@fount.co Contact +82-2-2038-0263
Enquiry Contact +82-10-9015-4080 Enquiry E-mail red@fount.co
A.I. Chatbot and A.I. Form of

Consulting Business
Introduction
Fount AI is a technology company that provides information specialized in Korean and natural artificial intelligence. Fount
Al is confident in the expandability of artificial intelligence technologies (including machine learning and deep learning)
accumulated in the development process of robo-advisor; It provides chatbot-based artificial intelligence consulting
services and businesses for a basic platform.
Based on the artificial intelligence technology with the natural language processing technology of Hangul, it is providing a
platform designed to prevent the bias of information and to solve the unbalance of information provision for the general
public.
Fount AI is expanding the business scope into all organizations and corporations (including companies, financial
institutions, universities and media companies) and establishing its position in the market with state-run banks and
domestic leading companies. Also, it is striving to become a market leader in collaboration with domestic leading
companies and banks.
History
Feb 2017. The establishment of Fount AI
Apr 2017. The launching of election bot, 'Rose'
Jul 2017. Selected the representative 5 Korean companies in the Start Tel Aviv 2017
Aug 2017. The acquisition of R&D center company certificate for Gwangju Exclusive Industrial Zone.
Aug 2017. Selected as the 5th Global Acceleration Program, 'Kakao Nomad'.
Oct 2017. Selected as the top 5 companies in 2017 Big Data A.I. Startup Contest.
Nov 2017. The development and launching of chatbot for Chosun Ilbo Media Research

Fount AI introduces a chatbot solution based on artificial intelligence.
It started to attract attention as an election Chatbot' 'Rose', and it carried out a project to build a general corporate
defaulting system for financial institutions such as Chosun Ilbo, SBS, JTBC as well as export and import bank.
Fount AI has a chatbot frame technology that can be served on a messenger platform such as KakaoTalk.
It also has a big data analysis tool and has a technology to build a default prediction system structure using unstructured
data. It provides unstructured data (non-numeric data, etc.) analysis technology to the corporate default prediction
program conducted by the Export-Import Bank of Korea. Although Korea Export-Import Bank of Korea has already run
a default program for loaned companies, it has been able to increase the accuracy of existing programs by adding the
technology of Fount AI.
Fount AI provides big data analysis to broadcasters and media. It provides data mining technology that systematically and
automatically finds statistical rules and patterns in large-scale stored data, and text mining that analyzes unstructured
data text mining.
-Korea : ‌Shinhan Card (Financial Institution), Chosun Ilbo (News Media), ABC Solutions (IT Company), HappyTalk (Business
Chatting Solution), Innopolis Foundation (R&D Support), Spectra (Online Chatting Consulting Solution), Daegu
Gyeongbuk Institute of Science & Technology (Public Agency), Hanyang University (Educational Institution) and
SBS (News Media)
116
Fridayfunding
Representative Oh Pil-jung Incorporation Date Jun 1st, 2016
Location 552, Nonhyeon-ro, Gangnam-gu, Seoul, Republic of Korea (Munhwa Building, Yeoksam-dong)
Web Page www.fridayfunding.co.kr E-mail contact@fridayfunding.co.kr Contact +82-1666-6878
Enquiry Contact +82-2-6494-0131 Enquiry E-mail tikim@fridayfunding.co.kr
Form of
Main Service Loan Platform Fintech Area P2P Finance B2B/B2C
Business
Introduction
Friday Funding is a P2P (Peer to Peer) financial platform, which bridges business owners and investors. Friday Funding
is thriving to innovative financial system by providing transparent financial transaction services in a low-interest-rate
financial environment. It helps those who were not able to receive financial benefits to be considered to get new financial
benefits. Experts provide secured bond investment products based on the system analysis and screening, and adopted
systemized loan management. Also, Friday Funding established secured bond investment products based on the system
analysis and screening
History
2016. The establishment of Fridayfunding Co.
2016. Opening of P2P Financial Platform
2016. Joined Korean P2P financial association
2016. Concluded a business cooperation agreement for the investor protection with Bubjungwon LLC.
2016. Concluded a business cooperation agreement with KCB (Credit Rating Agency)
2017. Concluded a business cooperation agreement with Onnuri Appraisal Co., Ltd.
2017. Achieved ‘AAA Grade’ for Web Site Security Level.

Friday Funding is a P2P crowd funding service, which provides new hope for borrowers and new satisfaction for investors
respectively. Friday Funding is providing a more stable system by accumulated expertise and know-hows from various
specialists in IT, real estate, and finance.
It is designed to make it easy for anyone to invest in profitable investment products recommended by experts. It selects
highly lucrative investment products from annual return of 10~18%. To secure investors’ money, it provides secured bond
investments. Investors can invest minimum of 100,000 won and many people can jointly invest. Valuation of investment
products by expert appraisers is clearly shared among all investors.
The loan service is easy for client because Friday Funding support and advertise to attract new investors once appraisal
process is completed.
-Korea : ‌Pay Gate (Payment/Settlement), KCB (Credit Rating Agency), Auction Support Center (Auction Support) and
Bubjungwon (Law Firm)

FUND ONLINE KOREA Inc.
Representative Lee Byung-Ho Incorporation Date Sep 25th, 2013
Location 143, Yeongdeungpo-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (11F, Korea Financial Investment Association Building)
Web Page www.fundonline.co.kr E-mail fund@fundonline.co.kr Contact +82-1644-1744
Enquiry Contact +82-2-710-2720 Enquiry E-mail Steve.kim@fundonine.co.kr
Form of
Main Service Investment Brokerage Fintech Area FInance Platform B2C
Business
Introduction
Fund Online Korea is the public fund investment platform; main shareholders include fund-related organizations including
40 asset management companies and finance related companies such as Korea securities Depository.
With trends of fund investors’ reasonable fund choice, it offers online fund sale service. In Fund Supermarket, you can
compare and purchase from 1,400 different funds that take a most part of public offering funds in Korea. Especially, S
class that can only be purchased in Fund Supermarket has reasonable price with 1/3 lower commission fee than offline.
It has expanded business areas into IFA and Robo-advisor services. Also, it helps investors to find reasonable financial
products according to their characteristics and assets.
History
Sep 2013. Establishment of Fund Online Korea
Apr 2014. Launching of Fund Supermarket platform
May 2015. Selected as the best innovative practice model in Government 3.0 Project.
May 2016. Launching of non-face-to-face account
Jul 2017. Launching of IFA platform service
Sep 2017. Achievement of total 93,000 clients and 900 billion worth client assets.

Fund Online Korea has been playing a role in lowering the entrance barrier of the fund investment through online
platforms including fund supermarkets.
A fund supermarket is a service that helps you to make investment decisions by sharing knowledge and experience
of financial products. It is a communication channel that enables the interaction between members and long-term
relationship to be established, and information inquiry, communication, and marketing services are organizationally
linked.
Fund Online Korea is expanding its fund information search service. At Zoom.com, you can browse more than 1,600
fund products offered at fund supermarkets and find relevant information.
When you search for the name of a fund at Zoom.com, you can check the type of fund, the total pay, the scale of
operation, and the yields of 3 months, 1 year and 3 years in real time.
It also opened a fund ranking service that provides a list of top 50 funds based on returns, sales, and views.
If you search for 'fund', you will not only be able to use the 'find customized funds' service, but you can also find fund
news, fund market information, and current funds. In addition, the fund supermarket community connected with the
Fund investors can see the real-time fund investment history 'Practice! Financial knowledge in service to check all inquiries
and answers related to finance.
-Korea : Kakao Bank (Electronic Payment), Koscom (Financial Institution), SK Securities Co., Ltd (Financial Institution),
Boolio (Robo-advisor), Mirae Asset Retirement Institute (Financial Institution), Korea FPA Association (Economic
Association), KYOBO LIFE PLANET (Financial Institution), Woori Bank (Financial Institution) and Saemaeul Finance
Firm (Financial Institution)
118
FUNDA Inc.
Representative Park Sung-Jun Incorporation Date Jun 8th, 2015
Location 483, Gangnam-daero, Seocho-gu, Seoul, Republic of Korea (9F, Chungho Building)
Web Page www.funda.kr E-mail contact@funda.kr Contact +82-2-552-0360
Enquiry Contact +82-10-8876-9985 Enquiry E-mail minn@funda.kr
Form of
Main Service FUNDA Fintech Area P2P Finance B2B/B2C
Business
Introduction
FUNDA is a P2P financial platform company targeting the self-employed.
It analyzes the data around the shops and stores to examine the adequacy of the borrowers and provides P2P loans and
investment services that carefully connect the funds to investors.
FUNDA is a compound word of 'FUND + Analysis', and differentiated competitiveness of FUNDA compared to others is
their data analysis technique.
It has attracted investments from BC Card, Korea Investment Partners, and Inter Best.
History
Apr 2015. Launched the investment for Salady (the first investment store)
Jun 2015. Established FUNDA Inc.
Oct 2015. Concluded business cooperation agreement for the loan review and collection of receivables with SCI
Information Service Inc.
Apr 2016. Concluded business cooperation agreement for the security technology cooperation and the overseas
expansion fintech cooperation with KT NET
Nov 2016. Developed the examination algorithm, FUNDA rating.
Jul 2017. Launched the short-term investment solution, Short-Term Split Product.
Sep 2017. Introduced the loan shop, Card Sales Repayment System

FUNDA connects P2P-based loans and investments to self-employed people.
FUDNA has been working with many companies such as credit card companies, VANs, and POS companies to collect
various self-employment related data such as stores, business sectors, and business types and analyze the data to provide
self-employed businesses opportunities for money that are different from existing ones.
FUNDA is analyzing past sales data of stores and forecasting future sales, and it selects a robust store to offer a low 10%
interest rate credit loan service.
It is equipped with various devices to enhance the trust of borrowers and investors. It will continue to collaborate with
various organizations to create a P2P financial environment that customers can use with peace of mind.
FUNDA operates a card sales reimbursement system. It is a system that accumulates the repayment amount of the
borrower on daily basis by pre-empting the BC card sales generated in the store through the trust contract between the
borrowers. As the card sales day repayment system lowers the risk due to the uncertainty of the lender's return, it offers
lower interest rates to the borrower and offers products with a higher level of repayment security to investors. FUNDA
also offeres a loan shop insurance service. If FUNDA's personal customers who receive self-employed credit loans are
unable to repay their loans due to death or more than 80% of the disability, it is a service that repay the loan balance
through insurance. Guarantee up to 50 million won based on total loan amount.
-Korea : ‌BC Card (Financial Institution), Shinhan Bank (Financial Institution), KCB (Financial Institution) and IBK Industrial
Bank (Financial Institution)
-Foreign Countries : ‌BNP PARIBAS CARDIF (Financial Institution)

FUNDED Corp.
Representative Choi Hyeon-jung Incorporation Date Nov 19th, 2015
Location 9, Dosan-daero 53-gil, Gangnam-gu, Seoul, Republic of Korea (3F)
Web Page www.funded.co.kr E-mail hyunjoong.choi@funded.co.kr Contact +82-10-5067-8244
Enquiry Contact +82-10-5067-8244 Enquiry E-mail Hyunjoong.choi@funded.co.kr
Form of
Main Service FUNDED Fintech Area P2P Finance B2C
Business
Introduction
FUNDED Corp. is a P2P financial platform developed by KB Financial Group. FUNDED Corp. focuses on mortgage loans
for residential apartments.
In cooperation with KB Credit Information and KB Indemnity Insurance, it has secured a system to safeguard the
investment. The company has established a subsidiary that specializes in purchasing non-performing loans that can secure
the safety of its own products. In July 2017, it registered a patent related to non-face-to-face authentication technology.
History
Nov 2015. Establishment of Funded Corp.
Apr 2016. Selected as 7th KB Starters Valley Company (KB Finance Group)
Jul 2016. The beta service of personal credit loan-based program
Jun 2017. The conclusion of partnership agreement with “PLUS LOVE GROUP INSURANCE”, a borrower repayment
waiver program by KB Insurance Co., Ltd.
Jun 2017. The development/management of 3rd party deposit service for Shinhan Bank Corp.
Jul 2017. The application of patent for Non-Face-to-Face Self Confirmation Service

FUNDED is a P2P-based financial services company focused on residential apartments.
FUNDED is raising risk management capacity. In addition to simple mortgage evaluation for real estate mortgage loans,
the repayment ability of the borrower is analyzed in parallel through a self-developed credit evaluation model. After
the credit check, it follows up the management of KB Credit Information and KB Indemnity Insurance by collecting and
insuring the bonds, and it prevents the risk of loss of interest on investors through purchase of bad debt in the Korea
Platform Asset Loan. FUNDED is the only P2P financial platform developed by KB Financial Group, which is engaged in
various business synergies. KB Credit Information conducts debt collection and bond management consulting, and KB
Indemnity Insurance is a borrower repayment exemption program. FUNDED is leveraging the credibility of KB Financial
Group to enhance brand trust in the fund.
FUNDED is actively utilizing information technology. It reduces loan review and management time through self-
developed bond management system and credit evaluation model. Through the real estate valuation model, which is
jointly developed with Hankuk University of Foreign Studies, it plans to increase the operational efficiency by improving
the number of examination cases that can be handled per inspection worker. FUNDED has completed the patent
registration of personal identification through credit data to prevent identity theft and fraud, which are side effects in
non-face-to-face and online loan markets.
-Korea : KB Finance Group (Financial Institution) and Viva Republica Corp. (Payment Service)
120
FUNDIAN
Representative Kim Gi-don Incorporation Date Jan 5th, 2015
Location 130, Gwangnaru-ro, Seongdong-gu, Seoul, Republic of Korea (Room No. 1309, Seoul Forest IT Castle)
Web Page www.fundian.kr E-mail contact@fundian.com Contact +82-1666-1611
Enquiry Contact +82-1666-1611 Enquiry E-mail contact@fundian.com
Royalty Investment Crowd Funding/ Form of

Main Service Fintech Area Crowd Funding B2B
Smart Equipment Production Business
Introduction
FUNDIAN is a company that funds smart peripheral projects and sells them as a single brand and distributes profits to
investors.
It distributes peripherals such as high-speed charger focusing on high performance and high usability, high-speed
charging cable and Bluetooth wireless speaker, as well as accessories such as global brand smartphone holder and HDMI
cable and AUX cable.
FUNDIAN has linked funding capabilities to existing businesses. Smart peripherals with enhanced performance and
usability are funded by the public and launched as a single brand and allocate revenue to investors. FUNDIAN is using the
method of commercializing ideas by directly executing the funding incentives of all project establishers under the theme
of smart peripheral devices. These products will have an integrated brand called FUNDIAN, and sales revenue will be
integrated into the FUNDIAN.
History
Jan 201. Establishment of Fundian
May 2015. The merger with Sencube - taking over the manufacturing of smart equipment and the business of
distribution.
Jan 2016. The launching of product royalty investment-typed crowdfunding platform
Apr 2016. The conclusion of domestic exclusive agency agreement with Ningbo Fulman Technology (VENTION) in China
Oct 2016. The launching of 3 Funding Success Project Products.

FUNDIAN is funded by the public to launch a single brand product and share the profits. FUNDIAN is a manufacturing
brand that also researches and produces the enhanced nature and distinctive usability of smart peripherals. A new
product that has been confirmed to be released will be released as a crowdfunding project at the completion of
development, and individuals can sponsor or invest in the project.
Project funding of FUNDIAN takes place in two ways. The loyalty-invested type allots a loyalty recognized per produced
product. The General Rewards type is a generic sponsorship and reward-type crowdfunding that compensates for the
launch.
FUNDIAN plays a role as a social asset management Fin-tech that provides profit to investors while creating a global smart
peripheral brand against the imported brand with public capital and participation. By promoting ODM business linked
with global manufacturers in the future, FUNDIAN aims to grow into an accelerator that supports the whole process
from capital to mass production in manufacturing start-up, for which has ideas and technology but is difficult to develop
and mass production.
-Korea : Korea Fintech Industry Association (Public Agency)
-Foreign Countries : ‌Magic-Pro (Manufacturing) and Venti-on (Automobile Manufacturing)

Galaxiacommunications
Representative Kim Yong-gwang Incorporation Date Oct 5th, 1994
Location 281, Gwangpyeong-ro, Gangnam-gu, Seoul, Republic of Korea (15F, Suseo Office Building)
Web Page www.galaxiacommunications.co.kr E-mail njinwsole@galaxia.co.kr Contact +82-1566-0123
Enquiry Contact +82-10-3177-1536 Enquiry E-mail njinwsole@galaxia.co.kr
Electronic Payment, Mobile Form of

Main Service Commerce and Financial Fintech Area Financial Platform B2B/B2C
Platform Service Business
Introduction
Galaxiacommunications owns an advanced technology skills and differentiated service competitiveness which enable
them to be a leader in the field of on and offline integrated electronic payment, prepayment at convenient stores, mobile
gift card and coupons, and financial platform services. They not only sell many products and services via online, but also
support secure and smooth electronic payment systems through credit cards, mobile payments, and other means. In
addition, through using POS terminals installed at our affiliated convenience stores, they take commissions from offering
various real-time services (recharging prepaid card, gift card, phone payment and other payment methods).
Galaxiacommunications launched ‘Money Tree’, a mobile platform which enables users to freely exchange gift cards and
coupons. Subsequently, it is growing as an integrated financial platform service provider as it facilitates ‘Money Tree Cash’,
a financial tool that provides payment and transfer services.
New business developments include a bitcoin or other electronic currency payment systems and other various 020
focused fin-tech businesses.
History
Oct 1994. Established Galaxiacommunications Inc.
Mar 2001. Released BillGate, an integrated electronic payment service.
Jun 2002. Issued mobile gift cards for department store
Oct 2008. Transferred into Hyosung Group
Jun 2014. Concluded a business cooperation agreement with Coin Plug, a bitcoin payment company
Sep 2014. Concluded a supply agreement for cross-border payment service with Ten Pay in China.
Feb 2017. VReleased Money Tree, a financial platform.

Galaxiacommunications offers integrated financial services using a mobile platform called ‘Money Tree.’ ‘Money Tree’ is
a mobile financial platform, which provides various services, such as on/offline simple payment, product purchase, and
transferring cash, points and gift cards. Users can exchange their points and mobile gift cards into Money Tree Cash and
use at purchasing a variety of mobile gift cards from 60 or so department stores, convenience stores, cafes, restaurants,
and games. Moreover, users can simply make payments in form of bar code for offline franchises (including GS25 and
Seven Eleven convenient stores.)
Above all, Money Tree Cash is characterized by various affiliation services and easy cash exchange and thus it tries to place
themselves on the level of integrated financial service by expanding into the integrated portfolio with simple payment,
remittance, loan and ATM withdrawal. Moreover, they are diversifying Money Tree services into ATM withdrawal, P2P
loan and others in collaboration with the ATM infrastructure of Nantilus Hyosung, the financial service of Hyosung Capital
and the big data analysis of Hyosung ITX.
-Korea : ‌SK Telecom (telecommunication provider), LG U+ (telecommunication provider), KT (telecommunication
company), Starbucks Korea (coffee chain), GS25 (distribution company), Samsung Card (financial credit
company), NC Soft (game development company) and Coupang (E-commerce)
122
GCOD Innovation, Inc.
Representative Im Yong-hun Incorporation Date Dec 12th, 2013
Location 91, Cheongpa-ro, Yongsan-gu, Seoul, Republic of Korea
Web Page www.gcod.co.kr E-mail gcodceo@gcod.co.kr Contact +82-2-717-5501
Enquiry Contact +82-10-2246-5729 Enquiry E-mail gcodceo@gcod.co.kr
Authentication Security Form of Authentication Security

Main Service Fintech Area Security/Authentication
Solution Business Solution
Introduction
GCOD Innovation is a new concept authentication security solution developer with focuses on its latest technology and
user convenience.
With Fin-tech industry’s optimal Interoperability between finance and IT technology, it is developing a competitive
technology. Currently, it regards Authentication security technology R&D as its main business and it is targeting to be
competitive in Fin-tech business fields.
Its core security solution, ‘PASScon,’ developed by GCOD Innovation, is registered for a patent on November 2015.
History
2013. ‌The establishment of GCOD Innovation, Inc.
2014. ‌The attraction of seed investment from KG Inisis Corp. due to the R&D result of PASSCON.
2016. ‌The conclusion of MOU agreement with KB Finanacial Group

GCOD Innovation, Inc. is developing an authentication security solution, and its core technology is 'PASScon', which is a
solution to digitally sign a personal certificate (SEED) created by the user with a passcode. It is a core business model of
GCOD Innovation, Inc. that not only exposes the ability to update the certificate by simply changing the picture at any
time without cost, but also the third person cannot pirate, and the stability and technological excellence are outstanding.
PASScon performs digital signing authentication very easily and securely with user-selected photo, security icon, and
PKI asymmetric key. By touching four icons of graphical image types rather than password, it is appreciated that it is
convenient for user to touch, not just input as much as it is possible to authenticate, but also technology which makes it
interesting to customers as well as safe.
The core of the PASScon, the "dummy certificate," is a one-time choice for the user to use as a certificate when installing
the app. The picture is converted to a hash function result of 0 and 1, so that even if someone takes a certificate, the
picture cannot be restored. The most important feature is that users cannot only create certificates themselves, but also
simply renew their certificates easily at any time without cost. There is also no fear of the theft or unauthorized copying of
certificates, which is why the problem of deodorization has been completely solved.

Geo-Line Co., Ltd.
Representative Cho Sung-gyu Incorporation Date May 21st, 2014
Location 70, Dusan-ro, Geumcheon-gu, Seoul, Republic of Korea (Room no.1211, Tower B, Hyundai Knowledge Industry Center)
Web Page www.geo-line.com E-mail info@geo-line.com Contact +82-1522-5760
Enquiry Contact +82-10-7725-0959 Enquiry E-mail Sunggyoo.geo@geo-line.com
Movable Charge-Payment Form of

System for an Electric Car Business
Introduction
Specialized in the development of electric vehicle chargers, Geo-Line Co., Ltd. was established by experts in the field
of electric vehicles (including Renault Samsung Motors Research Institute and Director of Electric Vehicle Infrastructure
Network Research). It is trying to supply electric car charging and to solve parking problems that are inevitable in urban
residential complexes with convenience and low cost only by portable electric injection and security outlet. It was
established with the support of Small Business Promotion Corporation in 2014 and has 3 related patents. Geo-Line Co.,
Ltd. has developed a device that integrates a mobile communication modem and an electric meter, contributing to the
elimination of the charging station infrastructure problem, which was a weakness in the domestic electric car market. It
is noteworthy that it has implemented unique pin tech services needed in the world based on long-term related industry
research.
History
May 2014. ‌The establishment of Geo-Line
Aug 2015. ‌Selected as the 1st participating company of KB Starters Valley
Dec 2015. ‌The award of Grand Prize in ‘the I.o.T Global Startup Development Program’ (LG U+ Chungbuk Center for
Creative Economy and Innovation)
Feb 2016. ‌The attraction of growth share-typed investment (Small & Medium Business Corporation)
May 2016. ‌The conclusion of MOU agreement with Korean Electric Power Corporation
Aug 2017. ‌The award of Grand Prize in the Korea Contest of Start Tel Aviv 2017
Oct 2017. ‌The award of ‘Men of Merit’ Prize (the Ministry of Trade, Industry and Energy)

Geo-Line Co., Ltd. is a developer specialized in solving the problems related to the electric vehicle charging and the
parking, and it links Fin-tech services in relay.
Geo-Line System is a charging system that tells you how much electricity the user has charged in a building by installing
a meter and a mobile phone modem in the charger. The 220V outlet is used to charge the electric car and consumption
can also be confirmed through GPS and wireless communication. This not only prevents damages to landlords due to
unauthorized charging, but also makes charging infrastructure easy to build.
Geo-Line Co., Ltd. has the patent for its own electric car charging infrastructure. One of them is 'Plug & Pay' technology,
which allows charging and payment at once by plugging its own mobile charger into the special socket (SPSS) with
the anti-theft function. It is a patented technology, which allows the charging solution outlet to communicate with the
central server and the mobile through the mobile charger. Also, it connects electricity only to the authorized charger and
charging it at once. In the method of charging with the non-progressive tax rate, the Geo-Line Co., Ltd. s pays the electric
charges to KEPCO and the electric charges of the parking lots using electricity are deducted. There is no need to install
a charging stand and it is advantageous that the installation cost is less than one-hundredth of the existing charging
method.
-Korea : ‌KB Finance Group (Financial Institution), KEPCO Corp. (Public Agency), LG U+ Corp. (Telecommunication) and
Korea Chamber of Commerce & Industry (Public Agency)
-Foreign Countries : ‌EDP(Por tuguese Electric Power Corporation), Orange Telecommunication (French
Telecommunication), Ericsson AB Corp. (Swiss Telecommunication) and Mercedes-Benz (Imported
Automobile Sales).
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GLOSFER Co.
Representative Kim Tae-won Incorporation Date Mar 17th, 2017
Location 2F, 12, Dosan-daero 8-gil, Gangnam-gu, Seoul, Republic of Korea (Myeonghwa Building, Nonhyeon-dong)
Web Page www.gloster.com E-mail pyk@gloster.com Contact +82-2-6478-7014
Enquiry Contact +82-2-6478-7014 Enquiry E-mail pyk@glosfer.com
Form of
Main Service Fintech and Crypto Currency Fintech Area BlockChain B2B/B2C
Business
Introduction
GLOSFER Co. as one of the first Korean block chain companies, has worked for the research and development of block
chain technology since 2012; it has not only provided service businesses including the operation of Korean second
crypto currency exchange, but also realized different block chain-based solutions and accumulated operation ability and
technical skills since running the first Korean international remittance service. It thrives to offer the technical innovation
and the quality management to offer innovative values to clients as well as the market so that it can lead the coming 4th
industrial revolution in Korean technologies.
History
Mar 2017. The foundation of GLOSFER Co.
May 2017. The development completion of international trading exchange for virtual money
May 2017. The development completion of V2 (Automatic investment robot for virtual money) and block chain-based
coins
Jun 2017. Opening of Open Source Platform
Jun 2017. The conclusion of supply contract for the virtual money exchange solution of POS-LINK and the launching of
international exchange service.
2017. 07. The conclusion of MOU agreement with “Intersite”, a government-affiliated organization in the Republic of
South Africa.
2017. 08. The conclusion of MOU agreement for “International Remittance and Senior Care Service System” with
“Mokuran Group” in Japan
2017. 09. The conclusion of “Establishment of Local Currency Block Chain-based System” with Nowon-gu Office in
Seoul

The "Infinity Project" provided by GLOSFER Co. is designed to introduce the cryptocurrency to the real economy. It will
expand the HYCON ecosystem by applying blockchain technologies (for example, currency issuer) to various business
models. HYCON is a real economy-fit encrypted currency that promotes both demonstration agenda researches and
demonstration projects together by experts in different fields. The cryptocurrency exchange supports the exchange of
hycon-based cryptographic currencies issued by currency issuers.
TheBITon, an online currency exchange, operates 24 hours a day, 365 days a year; TheBIToff, an offline exchange,
supports easy authentication and face-to-face transaction without any limit on the authentication and the withdrawal.
Bluepan.net offers the foreign currency remittance service, which enables bank transfer within 30 minutes by using the
blockchain network-based international remittance system at any time for 365 days at a lower fee than those of existing
bank transfer services.
Packuth is an open platform, which allows even an amateur developer to easily understand blockchain technologies and
apply them to their real business models.
-Korea : ‌POS LINK (IT Solution), BKL Law Firm (Law Advice), Lee & Ko Law Firm (Law Advice) and Seoul IR Group
(Consulting)
-Foreign Countries : ‌PRASA (National Railroad Company), MyBucks (Fintech) and Standard Chartered Bank (Financial
Institution)

GLUWA Inc.
Representative Oh Tae-Rim Incorporation Date Mar 14th, 2014
Location 8, Teheran-ro 2-gil, Gangnam-gu, Seoul, Republic of Korea (4F)
Web Page www.gluwa.com E-mail support@gluwa.com Contact +82-70-7720-4775
Enquiry Contact +82-10-4096-4085 Enquiry E-mail support@gluwa.com
Block Chain-Based Fintech Form of

Service Business
Introduction
Gluwa Inc. is a Fin-Tech company headed by a Korean developer and based on his unique and specialized block-chain
technology it operates businesses in settlement, remittance, P2P loan, and virtual money related business. Korea’s Gluwa
Inc. had been incorporated in 2014, and then a branch in Silicon Valley have been incorporated in 2016. A branch in
Philippine is under process of incorporation. The company is expanding to global markets with overseas banks, energy
companies, and loan companies from USA, U.K, Germany, Nigeria, and so on.
History
Mar 2014. Established Gluwa Inc. in Korea
Nov 2016. Established Gluwa Inc. in U.S.A.
Jun 2017. Released a Fintech-dedicated application
(launched iOS ver. and Android ver. at the same time)
Jul 2017. Concluded the Overseas Investment Contract with a Nigerian Lender [Aella Credit]
Aug 2017. Concluded a investment letter of intent for virtual money ICO (Korean currency 1 billion won)
Sep 2017. Prepared to establish a Philippine (corporation) branch (with an American bank)
Oct 2017. Virtual money ‘Creditcon’ ICO (Initial Coin Offerings)

Gluwa Inc. introduces a block-chain based payment platform for the general users. Based on an idea that general users
are reluctant to use virtual currency money due to its high volatility of exchange rate, the company thrives to provide a
payment system without worrying about their risk on exchange rate fluctuation.
Gluwa Inc. finds a solution in a way that connects bitcoin investors who are more adaptive taking risks in value and
exchange volatility to general users who are less risk takers.
In Korea and USA, it has launched a Fin-Tech only application that provides a service based on Block-Chain technology.
There is also a service specific to corporate users and it has provided a deposit/ withdrawal service in cooperation with
Shinhan Bank.
In USA, Gluwa Inc. launched a escrow payment service. It contracted an interconnected payment services with VisaCard
and Mastercard, and it is under process of issueing a card.
In Korea, they will expand Fin-Tech related services specialized for corporate users. For various industries, it tries to provide
customized services as well as P2P loan platform linked to virtual currencies.
The company is processing to make a contract with Rubix, a German energy company, for the electricity trading service
(‘Power Bank’) using solar power plants in Germany. Besides, it is preparing to enter Nigeria and Philippine market.
-Korea : ‌Innogy (Energy Company), Rubix (Block Chain), Aella Credit (Financial Company), Mastercard (Financial
Company) and VISA (Financial Company)
126
Goodpay
Representative Kim Chong-yang Incorporation Date May 1st, 2015
Location 43-55, Mugunghwa-ro, Ilsandong-gu, Goyang-si, Gyeonggi-do, Republic of Korea (Room No. 507, Sungwoo Sacar Tower)
Web Page www.goodpay.kr E-mail master@goodpay.kr Contact +82-31-990-8296
Enquiry Contact +82-31-990-8296 Enquiry E-mail baejinwon@nate.com
Gpay Desire Loan and Form of

Gpay Investment Business
Introduction
Goodpay provides P2P loan and lending services via online. Cutting down the expenses of operating expenses and
personnel expenses (compared to offline branches), it offers higher profit to investors than banks and necessary funds
to borrowers at a lower interest rate than lending companies. Also, it ensures higher stability by lowering the danger of
investors based on its own screening process and auto-repayment system. The company was founded on May, 2015 and
has provided Goodpay Platform since July, 2017.
History
May 2015. The incorporation
Jul 2015. The launching of web site ‘Gpoint’
Jul 2015. The conclusion of affiliation agreement with Hyosung Nautilus
Feb 2016. The registration as Loan/Loan Agency business
Jun 2016. The interconnection with CMS of Korean Financial Telecommunications and Clearings Institute
Jul 2016. The launching of GoodPay platform

Goodpay provides the service which integrates P2P (Peer to peer) lending & investment services; it makes individuals lend
or borrow their money to each other through online Goodpay Platform. It introduced and utilizes own ‘Good Pay Grade’.
It offers loan services at a reasonable interest rate and make our clients invest stably based on the grade of credit-rating
agencies (including NICE) and the screening standard of Goodpay. The grade of Goodpay ranges from A+ to F, totaling
16 grades; specifically, A+ means lower defective percentage and thus slightly lower interest rate while F means higher
defective percentage and thus slightly higher interest rate. Most importantly, it offers the simple process for lending and
loan, which can ease the discomfort of clients. It helps clients to handle all related processes, including the application of
loan, the completion of additional documentation and the submission of documentaries, in a single day.
-Korea : ‌Korean Financial Telecommunications and Clearings Institute (Special Financial Corporation), NICE Investors
Service (Credit Rating Company), NICE Information Service (Credit Rating Company), Seoul Guarantee Insurance
(Guarantee Organization) and Daou Tech (IT Service)

Gyfunding
Representative Park Hyeong-jun Incorporation Date Jul 8th, 2017
Location 85, Gwangnaru-ro 56-gil, Gwangjin-gu, Seoul, Republic of Korea (Room No. 1801, Office Building, Techno-mart)
Web Page www.gyfunding.com E-mail contact@gyfunding.com Contact +82-2-447-0045
Enquiry Contact +82-2-447-0045 Enquiry E-mail contact@gyfunding.com
Form of
Main Service Gyfunding Fintech Area P2P Finance B2B/B2C
Business
Introduction
Gyfunding is a co-owned share loan company. A shared thing means that it is not owned by one person but by several
people; if the shared thing is real estate, it is reported on the register (sharing registration) that it is owned by several
people at their ratio of share. Gyfunding belongs to the sharing real estate financial group for co-owned share, which
offers co-owned loan, sharing investment, co-owned share and non-performing loans. Gyfunding presents balanced
investment products in the perspective of investment, and focuses on the co-owned real estate share loan with help of
experts’ know-hows in the perspective of loan.
History
Jul 2017. Opening of Gyfunding Platform
Sep 2017. Approved as a member company in Korean P2P Financial Assofication
Sep 2017. Establishment of Gwangju Branch
Dec 2017. Contract Conclusion of 10th Gyfunding commodity loan service

Gyfunding is implementing the first-priority security loan related to the co-owned share not covered by existing banking
industries. Experts in real estate screen and evaluate real estate themselves. Gyfunding members have gained their
expertise and know-hows in stakesale,statutory superficies, and lien throughout many years.
Gyfunding has placed top priority on the stability, the profitability, and the liquidity for the operation rule for clients. For
the stability, it concluded a business cooperation agreement with the company specialized in the purchase of bond and
the loan on real estate for the protection of investors. In order to secure the profitability, it has offered stable medium
interest rates in the era of low interest rate to borrowing clients, vice versa it offers lower interest rate to loan borrowers
than nonmonetary institutions. For the liquidity, the period of loan is set at average six months. As a result, its average
return was 14% as of December 2017.
128
HABITFACTORY Co.
Representative Lee Dong-Ik and Jung Yun-ho Incorporation Date Dec 31st, 2015
Location 118, Eonju-ro, Gangnam-gu, Seoul, Republic of Korea (Room No.814)
Web Page www.habitFactory.co E-mail hello@habitFactory.co Contact +82-70-8232-3564
Enquiry Contact +82-10-2215-3579 Enquiry E-mail do@habitFactory.co
Form of
Main Service Signal Fintech Area Others B2B/B2C
Business
Introduction
Habit Factory develops solutions that recommend various services and financial products through personal consumption
analysis. Habit Factory has an integrated asset management solution that analyzes customer financial data in financial
messages and push messages to recommend customized financial products. The company has partnered with KB
Securities and launched 'Smart Coach', a living money management service app based on consumption pattern analysis.
KB Innovation Hub, which is responsible for fostering Fin-tech of KB Financial Group, has started to provide customized
support by designating Habit Factory as KB Starters 14. KB Securities has attracted investment from KB Investment.
History
Nov 2015. Awarded the first prize in Demoday (KDB Industrial Bank)
Dec 2015. Established Habit Factory Inc.
Feb 2016. Attracted the seed investment from KB Securities (Former Hyundai Securities)
Nov 2016. Provided Livemate Application Signal SDK to KB Kookmin Card.
Apr 2017. Selected as the 2017 overseas expansion member in K-ICT Born2Global
Jun 2017. Selected as the 1st individual investment association for the start value up (nTels Co., Ltd.) / Attracted the
investment from KB Investment
Jun 2017. Selected as the TIPS program

Habit Factory is introducing a service that understands the user through personal consumption analysis and suggests
services, products, and financial products that are helpful to the user. Habit Factory analyzes and structures the
characters, push notifications, etc. records on the smartphone through the self-developed consumption analysis solution
'Signal Engine'. Habit Factory provides 'Signal SDK' with signal engine for financial companies, telecommunication
companies and start-ups. Based on consumption data, companies can analyze their customers' consumption trends,
favorite brands, competitive service usage, and customer personas. For the individual consumer, the 'Signal Household'
is being introduced. The 'Signal Household Department' is an asset management service that can automatically record
and analyze personal consumption, and it has advantages in automatic classification, and is superior in terms of design.
People who are new to household accounts have adopted an interface that is convenient to use. Additional functions
include a taxi household account book, a convenience store account book, and a coffee household account book, which
can be used for taxis, convenience stores, and coffee shops.
-Korea : ‌KB Kookmin Card (Financial Institution), LG U+ (Telecommunication Company), Hyundai Card (Financial
Institution), KB Securities (Financial Institution), KB Financial Group (Financial Institution), KB Investment (Financial
Institution) and nTels Co., Ltd. (IT Company)

HankookNFC
Representative Hwang Seung-ik Incorporation Date Apr 1st, 2014
Location 670, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (10F, Tower A, U-Space 2)
Web Page www.hankooknfc.com E-mail help@hankooknfc.com Contact +82-70-4401-3160
Enquiry Contact +82-70-4401-3160 Enquiry E-mail marketing@hankooknfc.com
Phone to Phone Payment and Form of

Credit Card Self Certificate Business
Introduction
HankookNFC is a Fin-tech start-up that provides mobile payment and authentication services.
The payment technology utilizing NFC technology is applied to phone 2 phone settlement, easy settlement, and self-
certification business.
In addition, HankookNFC developed NFC Pay service that enables payment of credit card by reading post-payment card
issued over 45 million cards by using NFC function of smart phone. NFC has applied for patent certification in major
countries.
History
Apr 2014. The establishment of HankookNFC
Jun 2015. The domestic application of patent for 'Simple Order Service Provider System and Method using NFC Tag'
Aug 2015. The conclusion of NFC simple payment PayOn certificate agreement with NHNCP Corp.
Oct 2015. The application of patent for 'Phone 2 Phone Payment using Samsung Payment'
Oct 2015. The application of patent for NFC self certification to major foriegn countries
Apr 2016. The supply of NFC tag service for AmorePacific. The launching of NFC simple payment for Interpark
Jun 2016. The application of patent for 'System and Method of Simple Self Certification using Mobile Telecommunication
and Real Credit Card'

HankookNFC is providing payment and authentication services using NFC.
In Korea, HankookNFC offers phone 2 phone payment, which enables small business owners or self-employed people
to receive payments from their customers using their smartphones without a separate POS terminal or NFC dongle. It
supports convenience and diversity by enabling a customer to authenticate him or herself even if he/she does not use
credit card. HankookNFC has acquired a patent for 'Mobile card payment system and method' which performs card
payment between mobile communication terminals for payment service of phone 2 phone. The authentication of the
credit card is based on a patent and a system of simple authentication using mobile communication terminal and physical
card. You can select NFC card authentication for authentication and then place the card on the back of the smartphone
and read the card. After the name is auto-typed (or typed), if you enter the card password, the authentication becomes
completed. NFC Pay (NFCpay), which uses mobile NFC, is a simple self-payment system in which payments are completed
by simply contacting a deferred payment card on the back of the smartphone during mobile shopping. Especially, it does
not store card number and personal information on smart phone like application card, and it is safe from the risk of loss
of smart phone and hacking by channel authentication method which requires the user to directly touch the card on the
back of smart phone.
-Korea : KTB Network (IT Company), KDB Capital (Financial Institution), IBK Bank (Financial Institution), Korea Internet &
Security Agency (Public Institution), Seoul Techno Park (NT Convergence Technology) and Korea Venture Business
Association (Public Institution)
130
Hanpass
Representative Kim Gyeonghun Incorporation Date Feb 3rd, 2017
Location 92, Achasan-ro, Seongdong-gu, Seoul, Republic of Korea (4F)
Web Page www.hanpass.com/ko E-mail contact@hanpass.com Contact +82-70-4288-6026
Enquiry Contact +82-10-6484-7898 Enquiry E-mail kim.jeongcheol@hanpass.com
Form of
Main Service HANPASS Fintech Area Remittance (Overseas) B2C
Business
Introduction
Hanpass is a foreign exchange specialist that provides overseas remittance and mobile exchange services.
It has been providing services optimized for the local financial environment based on its experience of successfully
performing international logistics business between Korea and the Philippines for many years. Hanpass has established a
branch office in the Philippines in 2013 and is carrying out a full-fledged operation by establishing the overseas remittance
business as a separate corporation in 2017. It established a dedicated e-commerce business corporation and established a
joint venture with Global Logistics DPEX Korea.
History
Sep 2012. Establishment of Hanpass
Oct 2012. The conclusion of strategic partnership agreement with LBC in Philippines
Feb 2013. The foundation of Hanpass Philippines (Manila/Clark branch)
Feb 2017. The foundation of Hanpass Foreign Remittance Corporation
Oct 2017. The foundation of Hanpass E-commerce Corporation
Oct 2017. The foundation of joint corporation with Global Logistics DPEX Korea

Hanpass offers overseas remittance services mainly in the Philippines. Until now, overseas remittances had been available
only at the bank window, but you can easily send remittances anytime and anywhere via mobile without having to
go to the bank. Less than one tenth of the remittance through the bank can be reduced and the remittance within 5
minutes. Hanpass is introducing safe blindness verification procedures. By Compliance with the Act on Financial Real
Name Transactions and Confidentiality Guarantees, it can confirm the Real Name Confidently. The remittance process
can be remitted by the recipient using the desired method of payment. In addition, the exchange rate policy information
is provided at 5-minute intervals. Hanpass is also building a big data system that uses a variety of foreign exchange
transaction data to determine the creditworthiness of its customers. The company also plans to provide microfinancing
(microcredit) services to foreign workers and Koreans living in Korea who have difficulty in financing the necessary funds
in a hurry. Hanpass plans to expand its business as a comprehensive logistics, finance, and ecommerce service company
that will lead global trends, starting with overseas remittance services.
-Foreign Countries : Alipay (Electronic Payment) and Alibaba (E-commerce)

Hansolsecure
Representative Park Sang-jin Incorporation Date Sep, 2000
Location 306, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 508, Daeryung Post Tower 2-cha)
Web Page www.hansolsecure.com E-mail info@sola-cia.com Contact +82-2-2082-0778
Enquiry Contact +82-2-2082-0778 Enquiry E-mail info@sola-cia.com
USIM, Credit Card and Form of

Main Service Fintech Area Financial Platform B2B
Security OS Business
Introduction
Hansol Secure is a developer of smart cards and mobile security platforms.
It has 50 or more patents in technologies related to smart card, and mobile security. To expand the product lines, it is
providing solutions for upgrading EMV to international standard payment standard. Hansol Secure is a joint venture
between Hansol Group and Germany G + D, and Germany G + D became the second largest shareholder of Hansol
Secure in 2017.
In addition to eSIM solutions, Hansol Secure is collaborating with business partner G + D in the field of IoT and security
solutions to create synergies. It was listed on the KOSDAQ in 2010 and became a subsidiary of the Hansol Group in 2011.
The Hansol Group is a global company with 19 subsidiaries and offices in 42 countries around the world, leading the
growth of the Korean economy.
History
2000. The establishment of Hansol Secure
2006. The world first commercialization of Combi-USIM
2010. Listed on KOSDAQ
2011. The merger of Hansol Group and transferred as a subsidiary
2012. The launching of LTE NFC USIM supply for SKT and KT
2015. The certificate acquisition of Mobile China UnionPay
2016. The first export of NFC USIM to Mongol

Hansol Secure is specialized in developing and supplying security solutions in the fields of communication, finance and
security.
Hansol Secure is expanding its business to eSIM, M2M USIM, etc., beginning with the development and commercialization
of USIM Combi card for the first time in the world.
eSIM, introduced by Hansol Secure, supports one or more MNO SIM functions in embedded SIM. One or more MNO SIMs
can be remotely opened, terminated and changed by the user according to the user's request. Also, the authentication
information and profile for the USIM of the MNO can be managed remotely. Hansol Security provides a solution to manage
network information of M2M SIM and embedded SIM installed in connected devices in a safe and convenient way. The user
can easily purchase the e-SIM card, install it on the device, set up the communication company, and use the mobile service.
In addition, its solutions provide production and over-the-air (OTA) personalization services. Hansol Secure offers mobile
traffic and payment services as well. The USIM is equipped with electronic money for transportation functions, and it can be
linked with various charging payment methods (credit card, account transfer, etc.) to charge and settle in real time mobile
and internet. It is also a prepayment payment method that can be used not only when boarding a bus, subway or taxi, but
also when purchasing goods or services from online or offline merchants. Even if you do not have a separate plastic card,
you can charge and pay for the phone with the application, and the auto charge function is also available.
-Korea : ‌SK Planet (Telecommunication), DGB U-pay (Simple Payment/Remittance), TMoNet (Security/Authentication),
Korea Smart Card (Transportation System), Samsung SDS (System Software), Lotte Data Communication
Company (Information Communication) and KOREA ELECTRONIC CERTIFICATION AUTHORITY (Certificate
Authorities)
-Foreign Countries : ARM (RSC Design)
132
HAREX InfoTech INC.
Representative Park Kyung-yang Incorporation Date Jan 20th, 2000
Location 202, Toegye-ro, Jung-gu, Seoul, Republic of Korea (3F, Poongsang Building)
Web Page www.ubpay.com E-mail harex@ubpay.com Contact +82-2-3406-4000
Enquiry Contact +82-2-3406-4000 Enquiry E-mail hsyim@ubpay.com
UBpay Form of
Main Service (Mobile Financial Payment Fintech Area Payment/Settlement B2B/B2C
Service) Business
Introduction
HAREX InfoTech is the first-generation Fin-tech company which announced the first world mobile card payment system
in Silicon Valley on April 2000. It has the essential original patents necessary for the whole process of mobile payment
including the issue and management of mobile card, the user-friendly payment system and the self-confirmation with
the combination of password and bio-information. Also, it provides to financial companies, franchises and social media
service companies Ubpay Platform including the user-friendly simple payment, the smart withdrawal, and the simple
remittance service. It offers to its affiliated companies customized services so that it can extend the mutually shared
marketing.
History
Jan 2000. The establishment of HAREX InfoTech
2011. The launching of first world online/offline common user-centered payment UBay service.
May 2013. The award of “Innovation Grand Award” by TESCO in the England.
Jul 2016. The Business Cooperation of Smart Simple Payment with pharmacies and hospitals. (WinWin M.I.T.S.)
Nov 2016. The Commercialization of Smart Withdrwal•O2O Payment Service for Busan Bank.
Oct 2017. The Commercialization of QR Code-based offline payment service (SUMPASS) for Busan Bank.

HAREX InfoTech is a leading provider of mobile payments. UBpay , introduced by HAREX InfoTech, is a service that
accepts cards using smart phones and directly approves them using communication functions. The payment and approval
business has been replaced by a customer smart phone, not a merchant terminal. HAREX InfoTech has developed
a payment service to offer to coffee shops, restaurants, and hops to Ubiquitous Coffee shops. At coffee shops, you
can make payment at point of sale (POS), pre-order payment via internet or smartphone, (Order) method that can be
received by the customer. For restaurants, it introduced table payment. HAREX InfoTech plans to establish a user-oriented
global payment network by expanding the open platform to the global market by sharing user-centered simple payment
module to domestic and foreign companies requiring simple payment service. It is aimed at expanding shared marketing
by offering a customized service that allows affiliates to share Ubiquitous platform with financial institutions, merchants
and social media service companies such as user-centered simple payment, smart withdrawal, and simple remittance.
-Korea : ‌KB Kookmin Bank (Financial Institution), Shinhan Bank (Financial Institution), IBK Industrial Bank (Financial
Institution), Woori Bank (Financial Institution), NH Bank (Financial Institution), CU (Distribution), Shinsegae
Department (Distribution), Pohang St. Mary’s Hospital (Medical Service), Korea Expressway Corporation (Highway
Management) and Culture Land Inc. (Culture Promotion)

Hello Link
Representative Bae Byeong-soo Incorporation Date May, 2015
Location 660, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (12F, Building A, U-Space 1)
Web Page www.hellolink.modoo.at E-mail chpark25@hellolink.co.kr Contact +82-31-628-1667
Enquiry Contact +82-31-628-1667 Enquiry E-mail chpark25@hellolink.co.kr
Form of
Main Service Hello Link Fintech Area FInance Platform B2C
Business
Introduction
Hello Link is a provider of number-based on-line linkage services that can be applied to various fields such as finance,
commerce, and advertisement. Hello Link is working with related companies such as settlement, finance, and
advertisement based on the investment of 5 billion won as start-up that was injected from Info Bank. It has been
supported by its parent companies and investors, and it is planning to continue to operate its funds. It made a partnership
with Samsung Electronics' Samsung Pay service, Sky Life service, and OOe Electric service in Japan.
History
May 2015. The conclusion of affiliation agreement with Interpark. The launching of simple shopping service, M-pocket
(Samsung Card).
Oct 2015. T he conclusion of sales agency agreement with M-Hub. The launching of HelloLink O2O service in the
magazine of DongA Women.
Feb 2016. The conclusion of Samsung Pay MOU agreement with Samsung Electronics.
Jun 2016. The launching of HelloLink O2O service for 'TokTok this product' of Maeil Business Newspaper
Jul 2016. The conclusion of Samsung Pay affiliation agreement with Samsung Electronics
Oct 2016. The conclusion of service affiliation agreement with SkyLife
Nov 2016. The conclusion of service affiliation agreement with O-oe Electronics in Japan

Hello Link is providing O2O services that expose numbers to unidirectional media and connect consumers with the
information and services they want. Hello Link provides a commerce platform that allows registered products to be
linked to link numbers for easy sales. It offers product management, order management, and settlement management
services. By applying the Hello Link function, it is possible to quickly and easily proceed from order to settlement on
various platforms such as home shopping, app card, and pay. QR codes provide discount coupons as well as event items
and promotional contents to be used for various purposes such as marketing purposes, but there is a limit to the limit to
be scanned at close range and inconvenience. However, the Hello Link service overcomes the limitations of QR codes and
can be used in various fields such as mobile shopping mall, T-commerce, and O2O service. Link (LINK) You can use the
shop to sell numbers and products conveniently. Link service makes it easy to find Internet addresses that are difficult to
remember. The hello link also provides a simple connection number service. By connecting directly to the desired product
information, consumers can minimize the time and effort required to search for and settle information. In addition, if the
URL is stored in the number, it is provided to the shopping mall function to move to the corresponding URL and store the
product so that the product can be easily ordered, paid for, and the order history can be managed.
-Korea : ‌SkyLife (Cable Television), Samsung Pay (Simple Remittance/Payment), M:Hub (Advertisement Agency) and
Interpark (Online Bookstore)
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Hellofunding
Representative Nam Gijung Incorporation Date Aug 5th, 2016
Location 20, Teheran-ro 20-gil, Gangnam-gu, Seoul, Republic of Korea(7F)
Web Page www.hellofunding.co.kr E-mail hellofunding@gmail.com Contact +82-1588-6760
Enquiry Contact +82-10-5414-5128 Enquiry E-mail yr4msp@gmail.com
Form of
Main Service Online loan brokerage Fintech Area P2P Finance B2B/B2C
Business
Introduction
Hello funding is a P2P financial platform that connects investors and borrowers directly. Hello funding provides investors
with new investment channels, and borrowers with reasonable lending rates. In order to select safer and more profitable
products, the company has a 7-person investment review committee and 9-member investment advisory committee. It
made a partnership with Seoul Credit Rating, Hana Asset Trust, Kyobo Realco and Shinhan Bank.
History
Aug 2016. Establishment of Hellofunding
Sep 2016. Launching of service
Oct 2016. The conclusion of MOU agreement with Seoul Credit Information
Oct 2016. The conclusion of MOU agreement with Hana Asset Trust
Mar 2017. Registration of Korea P2P Financial Association
Aug 2017. The conclusion of MOU agreement with Kyobo RealCo
Oct 2017. The conclusion of MOU agreement with Shinhan Bank

Hello Funding handles both P2P financial platform real estate and personal property.
The apartment mortgage loan products launched by Hello Funding have an LTV average of 80% or less, which provides
sufficient margin value and excellent value for money. Moreover, it is possible to secure safety by establishing a municipal
reserve zone pledge, municipal bond transfer agreement, and subrogation agreement. It is made up of excellent
products because it only selects real estate products in Seoul City, the metropolitan area, and the six major metropolitan
cities. In the case of fund investment products, short-term loans are secured at the end of the PF for short-term loans
secured by trust beneficiary rights, mainly covering products within 18% (yearly), 12 months or less than 5 billion won.
Real estate mortgage-backed investment products have 18% (annual), 6 months, less than 5 billion won of commodities,
by securing rights to repayment such as sale, securitization, securing of other influent funds, etc. In the case of investment
products, the company will loan the funds after securing separate reimbursement sources for the three companies that
have signed repurchase agreements with mortgages that can be stored in the safe fund itself. The company deals with
products within 12% (one year), one month, and 200 million won, which are equipped with safeguards to prevent
liquidity and slackness on the day through the three companies with repurchase agreements at the time of delinquency.

Honestfund.
Representative Seo Sang-hoon Incorporation Date Feb, 2015
Location 50, 63-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (16F, Honestfund)
Web Page www.honestfund.kr E-mail contact@honestfund.kr Contact +82-2-565-8856
Enquiry Contact +82-10-9898-0107 Enquiry E-mail Heesoo.lee@honestfund.kr
Form of
Main Service Honestfund Fintech Area P2P Finance B2C
Business
Introduction
HonestFund has an alternative financial platform that anyone can invest or borrow online anytime. The goal is to turn
unnecessary expenses that exist in financial services into customer benefits, and make it easier and safer for many people
to invest in high profitable financial products.
Professionals from top-notch information technology companies such as KaKao and Naver built systems and provide
a variety of content and detailed explanations to help many people easily understand finance. In 2015, it attracted
investment from Shinhan Bank.
History
Jan 2015. The establishment of Specialist Panel and the development of Automatic Credit Evalution Model.
Feb 2015. The foundation of Honestfund Inc.
Jun 2015. The application of patent for Risk Evaluation Model (PSS) combining the psychology analysis and the financial
data
Jul 2015. The conclusion of strategic association agreement with Shinhan Bank (Future`s Lab).
Aug 2015. The launching of Honestfund Service.
Dec 2015. The attraction of 1 billion won investment from Shinhan Bank.
Sep 2017. The conclusion of MOU agreement with SIK Asset Management

HonestFund is a peer-to-peer (P2P) platform. HonestFund has product lines such as personal credit, real estate project
financing, bad debts and special collateral bonds to match investors' diverse product preferences. Personal credit bonds
are automatically distributed to more than 100 bonds by applying a machine-based credit rating model and loan review
know-how specific to card and capital customers. Real estate bonds are performing well through risk management even
in the potential decline of the real estate market. Special secured bonds are expected to secure fandom-based customers,
such as concluding sales receivables collateral. HonestFund has simplified the complex investment process with a mobile-
optimized user experience. It provides an investment experience that can be completed within 10 minutes from sign-up
to investment completion.
-Korea : TMon (E-commerce), SK Planet (Marketing), Demoday (Startup Investment/M&A,) Shinhan Bank (Financial
Institution), Hanhwa Life (Financial Institution) and Meritz Asset Management (Financial Institution)
-Foreign Countries : Savills (Financial Institution)
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IBK System Inc.
Representative Jo Yong-chan Incorporation Date May 22th, 1991
Location 141-7, Toegye-ro, Jung-gu, Seoul, Republic of Korea (11F, New Seoul Building)
Web Page www.ibksystem.co.kr E-mail smhong@ibksystem.co.kr Contact +82-2-3407-6600
Enquiry Contact +82-2-3407-6666 Enquiry E-mail smhong@ibksystem.co.kr
Financial IT development and Form of

management Business
Introduction
IBK System was founded on March 1991 as an IT affiliate of IBK Financial Group. Based on experiences in IT outsourcing
from Industrial Bank of Korea, Credit Card systems, bancassurance system, and credit overall financial system, IBK system
has developed and managed the business for financial institutions, including banks. As a partner to its clients, IBK System
provides total optimal IT services ranging from the consulting to the establishment and management of IT system. IBK
System has a large number of financial IT professionals and thus introduces the financial IT solution, which can actively
respond to changing financial IT environments, based on its various financial business experiences.
History
Mar 1991. Established IBK System Inc.
May 2007. Changed the company name into IBK System
May 2010. Acquired CMMI Lv. 4 (International Quality Certification)
Aug 2011. Acquired CMMI Lv. 5 (International Quality Certification)
Aug 2013. Created the new system for Deutsch Financial
May 2014. Created the next-generation IT system for Shinhan Capital Co., Ltd.
Jan 2015. Created the IT system for KICF
Apr 2016. Created the integrated computing system for IBK Credit Information

IBK system provides comprehensive services across the financial IT sector. Its main business area is the system integration
business, which realizes the advanced information system by providing proven financial solutions with the improvement
of enterprise competitive power and integrating systems from various fields. It provides not only consulting clients with
advanced and practical proposals to establish the company information system, but also carries out a series of activities
from the system optimization proposal to the delivery, the maintenance and the repair. The company constantly
concentrates on researching new technology for clients and developing new value from a customer perspective.
IBK System has a wide range of technical capabilities: Mobile Development (Native, Hybrid), Text and Image Analysis
(Spark, Tensor Flow), Big Data Platform (HDP 2.5), Open API Platform (WSO2) and Cloud Computing (SaaS). The most
renowned solutions of IBK System are Designer 5 (HTML5-enabled user interface platform), One Platform (one source
multi-device mobile application platform) and I-framework (web standardization supporting and next-generation project
web application platform).
-Korea : ‌Shinhan Capital Co., Ltd (Credit Finance Company), BNK Busan Bank (Financial Institution), Small & medium
Business Corporation (Public Institution), Credit Counseling and Recovery Service (Special Corporation), IBK
Industrial Bank (Financial Institution), DGB Daegu Bank (Financial Institution), National Research Foundation of
Korea (Public Institution), Korea Association of University, Research Institute and Industry (Interagency) and Hi
Capital (Credit Finance Company)
-Foreign Countries : ‌BMW Financial Service Korea (Credit Finance Company)

ICB Co., Ltd.
Representative Lee Han-yong Incorporation Date Jun 13th, 2013
Location 30, Songdomirae-ro, Yeonsu-gu, Incheon, Republic of Korea (Room No. 1703, Tower C, Songdo BRC Smart Valley Knowledge Industry Center)
Web Page www.icbnet.co.kr E-mail ceo@icbnet.co.kr Contact +82-2-332-1880
Enquiry Contact +82-10-6544-0512 Enquiry E-mail newbiz@icbnet.co.kr
Cross Border Payment & Form of

Main Service Logistics and Overseas Fintech Area Payment/Settlement B2B/B2C
Remittance Business
Introduction
ICB Inc. is an official agency of Alipay, and a partner company of Cainiao, a distribution subsidiary of Alibaba.
It provides B2C electronic payment and logistic services targeting China.
It introduced Alipay barcode payment for the first time in Korea, and launced ‘Qrick,’ which is Alipay QR payment service.
As it obtained a title to have the most volume offline transactions via application in Korea, its business is expanding stably
with barcode payment and QR scan payment services.
It opened Alipay center and operates now. It attracted 5 billion won from Hana Financial Group.
History
Jun 2013. The establishment of ICB Inc. and the establishment of Hong Kong branch.
Apr 2014. The conclusion of cooperation business agreement for Ali O2O barcode payment (ICB, Alipay and KICC) and
the establishment of enterprise R&D center.
Sep 2014. The attraction of 1.5 billion won investment and the registration as international freight forward business.
Jul 2016. The conclusion of Korean partnership agreement with Alipay Lifestyle and the conclusion of business
agreement for Alipay O2O QR Scan Payment.
Oct 2016. The launching of the world first Alipay Center in the Coex, the acquisition of PG license and the registration as
exchange business and foreign exchange trading institute.
Mar 2017. The attraction of 5 billion won investment from Hana Financial Investment.

ICB Inc. has made a cooperation with Alipay and provides various payment services.
Barcode payment service allows stores to be exposed in Alipay Wallet and supports promotions, enabling stores to
acquire Chinese clients. It provides same commission services as credit cards payment without foreign currency exchange
risk. QR scanning payment service, in addition to advantages of barcode payment, provides app payment service that
merchants do not have replace or purchase separate POS or credit card terminals.
Through its location-based service, it links with related services providers and offers ‘Lifestyle Service.’ It cooperates with
‘Siksin,’ restaurants recommendation service, and ‘yanolja,’ an accommodation service, Seoul city, and Dongdaemoun.
It offers remittance service and payment experience space, and is in process of launching overseas remittance service.
As an official partner of Cainiao, a distribution subsidiary of Alibaba Group, it provides logistic service through Cainiao’s
china distribution network and ICB Inc.’s Korea network. Once a seller prepares a product to send out, Cainiao takes
responsibility in delivering to China’s client’s address without separate custom clearance documents.
-Korea : ‌Ali Pay (Electronic Payment) and Alibaba (E-Commerce)
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Imcglobal Inc.
Representative Shin Byeong-Gwon Incorporation Date May 29th, 2017
Location 114, Beobwon-ro, Songpa-gu, Seoul, Republic of Korea (Room No. 709, M State Tower B)
Web Page www.imcwell.com E-mail fjack25@imcwell.com Contact +82-1522-7334
Enquiry Contact +82-10-6351-2525 Enquiry E-mail fjack25@imcwell.com
Form of
Main Service Software Development Fintech Area BlockChain B2B/B2C
Business
Introduction
IMCGlobal is a cryptocurrency exchange operator. It concludes and will conclude a partnership agreement with
exchanges in Korea and those of major countries around the world, starting from Korea into China, Dalian, Yanji, Weihai,
Hong Kong, Japan, the United States and furthermore G20 countries. In addition, it also focuses on the arbitrage (any
profit occurs by trading, when prices are different depending on the region), the cryptocurrency trading, the remittance
service, the global payment service and others.
History
May 2017. The establishment IMC Global Inc.
2017. The development of virtual currency exchange website.
2017. The import sales of mining machine.

IMCGlobal has established and operates a cryptocurrency exchange and it plans to expand its business into various
fields. Starting from arbitrage trading in cryptocurrency exchange, it aims to provide overseas remittance service and
cryptocurrency development. Ultimately, it thrives to be a global settlement provider.
IMCGlobal plans to develop block-chain based authentication system, P2P remittance system, electronic payment,
automatic arbitrage trading system, cryptocurrency trading system, and Korean electronic wallet

INCUMONEY CO., LTD.
Representative Park Ju-Hoon Incorporation Date Jun 30th, 2016
Location 128, Gasan digital 1-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No. 1509, STX V-Tower)
Web Page www.incumoney.com E-mail jerryprk@naver.com Contact +82-2-811-3598
Enquiry Contact +82-10-8789-3598 Enquiry E-mail jerryprk@naver.com
P2P Financial Platform Form of

Main Service Fintech Area Crowd Funding B2C
Management Business
Introduction
Incumoney is a peer-to-peer financial platform operator.
Incumoney is a combination of 'incubator' and 'money', which means that 'we can safely can carefully grow your
investments by managing investments safely in incubators.’
Incumoney is comprised of specialists from investment, corporate finance, real estate finance, rental finance, installment
finance, and structured finance. Above all, it secures the stability of our investment assets by rigorous examination of the
repayment ability.
History
Jun 2016. The establishment of INCUMONEY CO., LTD.
Oct 2016. The launching of P2P loan management and investment profit distribution system
Dec 2016. The launching of first product worth 3.0 billion won (E-Land Group trade receivables)

Incumoney is an online P2P funding company specializing in asset backed loans.
Asset Backed Loans are funded through a special purpose company to increase the liquidity of assets held by the
company. The advantage of Asset Backed Loans is unsecured funding. After the delivery of goods, funds can be procured
without providing collateral before payment date. This has the effect of improving profitability by lowering the purchase
price of raw materials due to cash settlement. The cash settlement for the buyer can raise the credit rating and the
external credibility of the company.
The company diversified its portfolio by developing tailor-made products for various types of businesses, diversifying
investments in diversified structured finance products, diversifying risk and maximizing operating profit. In order to
secure the safe operation of customer investment funds and to improve the soundness of the company, the company is
monitoring the investment companies through inspections of bad signs and credit supervision. The company is protecting
the investment funds and profits of its customers by thoroughly managing the risk after investments.
140
Infinigru
Representative Yoo Gyeong-sik Incorporation Date Oct 31st, 2014
Location 22, Seocho-daero 78-gil, Seocho-gu, Seoul, Republic of Korea (5F, 2nd Hongwoo Building)
Web Page www.infinigru.com E-mail grumom@infinigru.com Contact +82-2-3453-4620
Enquiry Contact +82-10-9033-8913 Enquiry E-mail grumom@infinigru.com
Form of
Main Service Unusual Sign Detection System Fintech Area Security/Authentication B2B
Business
Introduction
Infinigru has developed and supplies an unusual sign detection system.
Especially, Infinigru provides a hybrid system, which combines a rule-based detection method with a deep learning-
based detection method in the unusual sign detection system (including abnormal finance, loan fraud, network intrusion
detection, internal control, personal information leakage and anti-money laundering); Infinigru provided various solutions
to Yuanta Securities Korea Co., Ltd, KB Kookmin Card, SK Securities Smart Card and Shinhan Bank. It signed a partnership
agreement with several companies in Vietnam, and attracted the seed investment from Shinhan Card, SCI Evaluation
Information and GMB Investment.
History
Oct 2014. The establishment of Infinigru
May 2015. The conclusion of GruDFS agreement with Yuanta Securities
Oct 2016. ‌The conclusion of startup growth technology development business agreement with Small and Medium
Business Administration
Mar 2017. The conclusion of GruDEEP agreement with KB Kookmin Card
Jul 2017. The conclusion of GruDEEP Hybrid agreement with SBI Savings Bank
Aug 2017. The conclusion of business partnership agreement with Vietnam HiPT, CMS Soft, Telsoft and Fintek
Aug 2017. The attraction of seed investment from Shinhan Card, SCI Information Service and GMB Investment.

Infinigru is presenting an abnormal financial transaction detection solution.
The 'GruADS Suite', an anomaly detection system by Infinigru, is composed of four major components: GruDEDS (a rule-
based unusual sign detection system), GruDEEP (a deep-learning based abnormal symptom detection system), GruDEEP
Hybrid (a hybrid based anomalous detection system) and 'GruADS Cloud' (an abnormal symptom detection system).
GruFDS responds to financial accidents by collecting and analyzing logs for any environment in a flexible way and then
detects abnormal financial transactions immediately to prevent transactions immediately. GruDEEP learns data patterns
on its own, so there is no need to create a separate rule; the more it learns transaction data, the more accurate it is.
The correlations between complex data, which are difficult for human beings to recognize, can be classified through
GruDEEP.
-Korea : ‌Yuanta Securities Korea Co., Ltd (financial institution), SK Securities Co., Ltd (financial institution), Shinhan Bank
(financial institution), SBI Savings Bank (financial institution), KB Kookmin Card Co., Ltd (financial institution) and
Smart Card Corporation (card business)

INFINISOFT
Representative Hwang In-chul Incorporation Date Sep 15th, 2011
Location 53, Gasan digital 2-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No. 307, Hanla Sigma Valley)
Web Page www.infinisoft.co.kr E-mail sales@infinisoft.co.kr Contact +82-1688-1250
Enquiry Contact +82-10-7723-2871 Enquiry E-mail goodday@infinisoft.co.kr
ARSPAY and Form of

INNOPAY Business
Introduction
INFINISOFT is a software developer for e-commerce. Since its establishment in September 2011, INFINISOFT has been
providing smartphone-based on-line and off-line payment solutions as well as on-line electronic payments payment
gateway system, and electronic financial intermediation solutions.
It has developed PayPal payment intermediation system in Samsung's smart TV environment. It has constructed payment
gate way with Paytus, Chung Ho Easy Cash, and Uniwill.
History
Sep 2011. The establishment of INFINISOFT
Dec 2011. The development of next-generation system for Mobilians (the part of credit card PG system)
Jan 2014. The implementation of paypal payment relay system for the smart TV environment for Samsung Electronics
Aug 2014. The development of android smart phone-based NFC simple payment solution for AT Solutions
Nov 2014. ‌The consultation of registration into the electronic finance business. The conclusion of electronic payment
business agreement with WiseCare
Feb 2016. ‌The consultation of registration into the electronic finance business. The development of integrated online PG
system for Paytus Inc.
Jun 2016. The implementation project of PG system for Chungho Easy Cash (Jun 20th ~ Nov 30th)
Nov 2016. The development of credit card PG system for Uniwill
Nov 2017. The registration as the electronic finance business

INFINISOFT is specialized in developing e-commerce software.
Innopay, introduced by INFINISOFT, is an integrated on-line and off-line electronic payment system that can build a
payment system on a website and support face-to-face or non-face-to-face payment through an app without a website.
Innopay has built up a payment system for many years and has accumulated experience in operating a payment gateway
system to provide stable service. It supports payment services that enable users to purchase goods and services online
and offline, and it supports to pay for them quickly and easily in web and mobile environments. A customized back office
(merchant manager page) is provided for viewing detailed sales and payment details in real time.
The development process becomes easier because it provides a payment API and payment samples. In any development
environment (such as Java, PHP, ASP and Ruby), it is possible to link payment in one hour.
INFINISOFT also offers ARS Pay service, which is a way to create a virtual number and make a payment via mobile. It is a
system that issues a virtual ARS number to a mobile phone and makes a card payment on a mobile phone. It is available
in all browsers and can be used without having to build a terminal and a separate system.
In addition, INFINISOFT offers ARS certification services based on its own patents. It is a credit card bill payment
authentication service based on the ARS service, thus maintaining the settlement process and supporting ARS
authentication by mobile phone regardless of the terminal of customer.
-Korea : ‌Iksu Pharmaceutical Co., Ltd.(medicine), LG CNS (IT consulting), Yongpyeong Resort (Recreation), Ramada Hotel
(Lodging), Mando (Manufacturing), Chong Kun Dang Healthcare (Medicine), Green Cross Healthcare (Medicine),
Financial Management Corps (Military Salary Pension), Korea Business News CO., LTD (Economic Broadcasting),
Jangin Furniture (Wood Manufacturing Industry) and The Association of Korean Medicine (Oriental Medicine
Information)
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Infosonic
Representative Jo Hoon-tae Incorporation Date Feb 1st, 2014
Location 638, Seobusaet-gil, Geumcheon-gu, Seoul, Republic of Korea (Room No. 703~704, Gasan Techno Town 7-cha)
Web Page www.infosonic.net E-mail contact@infosonic.net Contact +82-70-4006-4243
Enquiry Contact +82-70-4006-4243 Enquiry E-mail contact@infosonic.net
Form of
Main Service Sonic code Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Infosonic is a technology company that provides a new type of authentication service by utilizing short-range wireless
communication technology. Infosonic solves the inconveniences of authentication in existing financial services based
on short-range wireless communication technology using a speaker and a microphone and complex authentication
technology. By providing optimized solutions for mobile users, it enhances security and convenience for financial
consumers, and provides value for customer satisfaction and cost reduction for financial providers. Infosonic has a
partnership with KEB Hana Bank, Shinhan Bank and Samsung Card.
History
Feb 2014. T he establishment of InfoSonic
Dec 2016. The participation into Beijing Fintech Demoday (Fintech Center)
Sep 2017. The participation into the 20th Fintech Demoday (Fintech Center)

Infosonic developed new technologies and leverages them to create more convenient authentication solutions.
Sonic Code presented by Infosonic is a data transmission technology using non-audible sound waves.
It can be applied to various host terminals with speakers and to all kinds of smart phones by using short range wireless
communication technology using speakers and microphones. It is a data transmission technology that uses an encrypted
and inaudible audio pattern. There is no need to install additional equipment to take advantage of this technology.
Sonic code is provided as a client-specific solution that can be easily integrated into existing services or products. Infosonic
expects Sonic code to replace low-power Bluetooth (BLE). Its usage has been expanded as a tool to provide mobile
payment and authentication services. Sonic code speed is less than 0.2 seconds, service range is 10 ~ 30cm. The Sonic
code supports 281 trillion concurrently available codes and the error detection rate is 99.999994%.
-Korea : ‌Shinhan Bank (financial institution), KEB Hana Bank (financial institution) and DGB Financial Group Co., Ltd.
(financial institution)

InnoPalyLab
Representative Kim Kyung-uk Incorporation Date Mar 10th, 2014
Location 1068, Jungang-ro, Ilsandong-gu, Goyang-si, Gyeonggi-do, Republic of Korea (3F)
Web Page www.ipl.global E-mail denny@ipl.global Contact +82-70-7771-1220
Enquiry Contact +82-70-4412-5367 Enquiry E-mail steven.seo@ipl.global
Form of
Main Service Social Robot Platform Service Fintech Area Others B2B/B2C
Business
Introduction
IPL is a venture company with its own technology in robotics field. Founded in March 2014, IPL is comprised of key
personnel who developed Android robots at KT and KIST. Its technologies encompass robotics design, design, hardware,
software, and service development environment. It provides new robot service in smart home environment and aims to
create global market by commercializing its robotics.
It won the '2016 Best Winner of the Industrial' award at the 'Reddot Design Award' at the global design awards. In the
early days of its foundation, the company attracted 2.5 billion won worth of Series A investments and was selected as an
excellent company by the Korea Credit Guarantee Fund 'First Penguin' to receive 1.4 billion won. After being established
as a government-sponsored enterprise, it received 2 billion won of fund. In 2016, it signed a supply contract worth $
14.48 million to China.
History
Mar 2014. The establishment of IPL Corp.
Jul 2015. The investment of overseas series A investment (USD 2,200,200$)
Nov 2016. The conclusion of robot supply agreement in China (USD 14,080,000$)
Dec 2016. The conclusion of MOU agreement with ‘Smart City Innovation’ in Russia.
Feb 2017. Selected as one of the Top 20 Startups of MWC Showcase in Spain.
Jul 2017. Selected as one of the Top 10 companies by KITAS.

IPL is pioneering a smart home ecosystem with iJini, a robotic personal secretary specializing in robotics. iJini is a new
home appliance platform that makes users' lives more convenient and enriched through a voice interface. Automatic
charging, automatic driving, automatic movement at call, voice recognition at a long distance, recognition of user's face
pattern, and provision of weather and news information services are available. iJini services consist of smart home, home
security, child care, and pet care. Smart Home is a smart home hub service that controls home devices from outside
through the learning device registration process. Home security is a surveillance service that checks if there is something
wrong in the house by going around an empty house when the user leaves home. Child care is a child care service that
allows you to turn your eyes away from a child who cannot take your eyes off for a moment. Pet Care is a communication
and emotional refinement service with companion animals who experience separation anxiety during the time the owner
leaves home.
144
Instapay
Representative Kim Gyeong-soo Incorporation Date Apr 24th, 2013
Location Daechi-dong, Gangnam-gu, Seoul, Republic of Korea (Room No. 1201, Saman Building)
Web Page www.instapay.kr E-mail business@instapay.kr Contact +82-2-3453-4920
Enquiry Contact +82-2-3453-4920 Enquiry E-mail business@instapay.kr
Form of
Main Service Instapay Fintech Area Payment/Settlement B2B
Business
Introduction
InstaPay is a mobile payment service provider.
It holds patents and intellectual property rights on not only electronic billing system but also notification and payments. It
has been registered as an electronic payment settlement agent. InstaPay aims to provide a mobile payment platform that
is linked to on-line and off-line services such as home shopping and online payment services.
History
Apr 2013. The establishment of Instapay
Aug 2015. The conclusion of MOU agreement for the open platform modeling with NH Fintech
Oct 2015. The award in Citi Mobile Challenge Pitch Day
2016. The development of mobile payment service, 'Instapay'

InstaPay supports mobile payment service and provides mobile payment service based on QR code. You can pay the bills
directly on your smartphone and pay with one touch.
InstaPay is planning to realize that one buys the desired products easily with QR code scan once without having to call
inconvenient ARS, and to support the payment at any moment even when there is no merchant terminal or cash register.
Anyone can easily generate QR codes for sale and offer them to sell products and services. It is a planning to make a QR
code for payment so that it can be used for crowdfunding or fundraising.
-Korea : NH Nonghyup Bank (financial institution)

Intelliquant Co.
Representative Lee Jong-gwon Incorporation Date Nov 18th, 2015
Location 112, Dogok-ro, Gangnam-gu, Seoul, Republic of Korea (5F, Seohan Building, Dogok-dong)
Web Page www.intelliquant.co.kr E-mail info@intelliquant.net Contact +82-70-5101-0724
Enquiry Contact +82-10-3369-1196 Enquiry E-mail ihchung@intelliquant.net
Form of
Main Service Robo-Advisor Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
Intelliquant Co. is a specialist in providing robo-adviser services to support individual investor's investment activities.
Intelliquant Co. has developed an integrated investment platform, a key technology for intelligent financial services,
based on which it supports Robo-Advisor and 'self-designed' investment services. It supported the launch of 'Icon',
a recommendation service of Korea Investment & Securities, and supported 'Smart Robo Q' online portfolio service
launched through Hanwha Securities. It has attracted investments from nTels and OneNP Partners.
History
Nov 2015. The foundation of Intelliquant Co.
May 2016. The attraction of investment from Ntels and Wonpartners
Jul 2016. The launching of Online Portfolio Service, ‘Smart Robo Q’, for Hanwha Investment ＆ Securities Co., Ltd.
Aug 2016. ‌Selected as Investment-matched Company Growth R&D Project (the Ministry of Science, ICT and Future
Planning)
Feb 2017. ‌The acquisition of Fund Support/Venture Company Certificate (Korea Technology Finance Corporation) and
the foundation of corporate R&D center.
Mar 2017. ‌The beta service of chatbot service and DIY investment platform, ‘IntelliQuant Studio’
Jun 2017. ‌The launching of Robot Recommendation Service, ‘ICON’, for Korea Investment & Securities Co., Ltd.

Intelliquant Co. is a provider of systematic investment activities for individual investors through intelligent services and
investment platforms. Intelliquant Co. uses chatbots to fill the shortcomings of the non-face-to-face approach of robo-
advisor. It transforms the portfolio by reflecting the customer's investment propensity in the basic pattern and portfolio,
not dividing the investment propensity into a set of predetermined patterns and portfolios. Intelliquant Co. has an
integrated investment management platform that enables customized investment management. It allows operators or
investors to create investment management algorithms directly in scripting language. It is made possible through a simple
scripting language, and the generated algorithm is designed to be verified through simulation based on past data. For
those who do not have programming knowledge, they can build a template like a LEGO block and support an investment
algorithm. Also, Intelliquant Co. has a portfolio risk management system based on the machine learning by continuously
learning the volatility data of individual stocks to predict risks. Based on this, the company has provided a two-phase risk
management system that controls the entire portfolio risk within the allowable range.
-Korea : ‌Korea Investment & Securities Co., Ltd (financial institution), Hanwha Investment ＆ Securities Co., Ltd (financial
institution), Acer Investment Consulting Company (investment consulting) and Korea Economy TV (Economy
News)
146
IreiTech
Representative Kim Dae-hoon Incorporation Date Mar, 2000
Location 1922, Nambusunhwan-ro, Gwanak-gu, Seoul, Republic of Korea (Room No. 701, Chung Dong Building)
Web Page www.iritech.com E-mail info@iritech.com Contact +82-2-872-3815
Enquiry Contact +82-2-872-3815 Enquiry E-mail info@iritech.com
Iris Scan Equipment and S/W Form of

Mobile Solution Business
Introduction
IriTech is an end-to-end solution provider offering iris recognition equipment and matching software, and is
headquartered in Virginia, USA.
IriTech's iris recognition technology has been approved by the National Institute of Standards and Technology (NIST) of
the US government and UIDAI of the Government of India.
In 2010, its solution ranked the top for iris recognition accuracy evaluation conducted by NIST which evaluated all
companies that developed iris recognition technology. IriTech, which has been accredited by the US government, has
been providing iris recognition software for the US Department of Defense and the Customs and Border Protection
Agency since 2013. UIDAI's "Adhars" project in India uses iris recognition to provide more than 1.2 billion Indian people
with unique IDs, which also used IriTech technology.
IriTech has developed iris camera and software for mobile payment and is in the process of supplying to mobile
companies. It is also introducing mobile payment application using iris recognition. The company recently signed a
contract to supply iris solutions for mobile devices to Foxconn in Taiwan.
History
2000. The establishment of IreiTech Inc.
2004. The standardization of iris scan for ANSI, ISO and others.
2009. Selected as the best iris algorithm (IREX) by NIST.
2013. The supply of iris scan software to the US Navy and US Marine Corps.
2014. The acquisition of STQC authentication for UIDAI Authentication Device in India.
2015. Selected as the iris immigration system software by US Homeland Security.
2016. The conclusion of iris mobile solution supply agreement with Foxconn

IriTech is a developer of iris recognition equipment and software.
The company is developing and producing iris recognition equipment and software, which is known to be the most
accurate biometrics means. Gemini, which IriTech has introduced, can recognize iris and face images simultaneously with
one camera. It is also provided as a module that can operate independently or in conjunction with network devices and is
integrated into large systems such as kiosks, gateways, and ATM devices.
IriTech has solved the problem of poor iris recognition when wearing glasses or strong backlighting such as sunlight. 'Side
Gazing' technology allows to recognize the iris correctly even in cases of wearing glasses or approaching the camera from
the side. The software has also developed a technology to enable clear iris recognition by removing the sunlight reflected
by the eye from the iris images recognized by the camera.
IriTech is trying to apply iris recognition technology to general PC and laptop.
The company is in talks with PC makers such as Acer and Asus, along with 'PC with Iris' technology, which consists of iris
recognition camera, infrared LED, and IriTech 's algorithms.
-Korea : ‌Samsung Group (Manufacturing)
-Foreign Countries : ‌Toshiba (Semi-conductor), Gemalto (Security), Jaguar (Automobile), Denso (Automobile Part),
Sony (Manufacturing), Lenovo (IT Electronics), Boston University (Educational Institution) and Tyco
International Ltd (security)

Irisys Co.,Ltd.
Representative Han Seung-Eun Incorporation Date Feb 27th, 2012
Location 272, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 1201, Hansin IT Tower)
Web Page www.irisys.co.kr E-mail ceo@irisys.co.kr Contact +82-2-784-1188
Enquiry Contact +82-2-784-1188 Enquiry E-mail rediris83@irisys.co.kr
Iris/Facial Recognition Security Form of

System Business
Introduction
Irisys is a specialist in iris recognition. Its own iris recognition technology that acquired the international certification
of FIDO (Fast Identity Online) has been combined with a variety of applications. Based on its unique ultra-light iris
recognition algorithm and fuzzy hashing encryption technology, it has been certified by Korea Internet Promotion
Agency in Korea. International biometric industry standards FIDO's UAF and U2F certification have earned the company
recognition in biometrics. In 2016, a research and development center were established within IIIT-Delhi University in
India. The company has attracted investment from Korea Venture Investment, KDB Industrial Bank, etc.
History
2012. Acquired ISO9001/14001 certificate for the quality management authentication system
2013. Established the R&D center
2014. Developed the mobile iris-recognition security system
2014. Attracted the angel investment from Korea Venture Investment
2016. Awarded the silver prize in ‘2015 Innovation Award’ (Global Mobile Vision)
2016. Developed the IIIT-Delhi University R&D center in India
2016. Acquired the FIDO U2F/UAF Certificate for Iris-recognition Portable Device
2017. Acquired the FIDO UAF Certificate
2017. Attracted the investment from KDB Industrial Bank

Irisys has expertise in biometrics, especially iris recognition. Biometrics technology is a next generation authentication
method that is highly utilized in the security field by extracting specific biometric information or behavioral feature
information of a person and determining whether or not he or she is a person. Especially iris recognition technology is
not able to be modulated and due to its high peculiarity, it is expanding to various areas such as information security,
finance, e-commerce, smart phone personal authentication. The iris does not change its original pattern after 12 months
of age. Irisys has the original technology of lightweight iris recognition algorithm. The company has developed FIDO's
UAF / U2F solution and has ultra-small battery-based and wireless communication modules. It also has a proprietary bio-
hash encryption algorithm. This can be used without directly storing biometric information in a manner that cannot be
decrypted. Irisys is offering a physical security product line that is consisted of iris recognition security USB, door lock,
safe and access control device. Application areas are solutions such as ATMs and POS, Internet solutions for smart home
applications, healthcare, and smart cars.
148
iRobo Co., Ltd.
Representative Lee Jin-su Incorporation Date May 24th 2016
Location 719, Samseong-ro, Gangnam-gu, Seoul, Republic of Korea (3F, Gyeongdeok Building)
Web Page www.irobo.co.kr E-mail irobo@irobo.co.kr Contact +82-2-548-9491
Enquiry Contact +82-2-548-9491 Enquiry E-mail kjw@irobo.co.kr
Form of
Main Service iRobo Alpha Fintech Area Robo-Advisor B2C/B2B
Business
Introduction
iRobo Co., Ltd.is the Fin-tech company that provides system and algorithm technologies of ‘iRobo,’ which is robo-advisor
service launched by Value Asset Management Inc.
Since incorporated on May 2016, it has offered iRobo service and passed the Robo Advisor Test Bed through the
consortium with Value System Asset Management Inc. on April 2017.
The company submitted an application form of financial investment business to Financial Services Commission on Aug
2017 so that it can run business of Robo advisor for itself. Turning into the investment and finance company, the company
will expand to be an independent robo-advisor service provider.
History
Nov 2015. The launching of iRobo Website in Value System Asset Management Inc.
Mar 2016. The launching of iRobo Alpha for DB Securities Co. and the release of iRobo R1~R5 for Hyundai Securities Co.
May 2016. The establishment of iRobo Inc.
May 2016. The launching of Value iRobo ‘ETF Lab’ for SK Securities Co., Ltd.
Nov 2016. The participation into ‘KOREA IT EXPO’ by KOTRA and the announcement of Hackaton Robo Advisor in
Tokyo, Japan.
Jan 2017. The collaboration meeting for Robo Advisor with Japanese security firms (Mizuho Securities, UFJ Morgan
Stanly Securities and SMBC Nikko Securities)
Mar 2017. The launching of Robo Advisory Public Offering Fund (‘DB Value iRobo Advisor’) for DB Asset Management Co., Ltd.
May 2017. The pass of Robo-Advisor Test Bed (Financial Services Commission)

iRobo introduces a robo-adviser service, iRobo. It provides investors with customized asset management services.
Through robo-adviser and iRobo, robots manage assets and it results in greatly reduced operating costs, enabling users
to easily access services with a minimum purchase amount. It provides a customized portfolio of investors through the
iRobo algorithm and provides stable returns through a stable asset allocation platform that minimizes risk.
iRobo's investment process begins with asset allocation. It allocates assets considering the customer's age, occupation,
investment incentive, and level of loss tolerance.
iRobo and AI engine judge the market situation and determine the ratio of portfolio equity and bond ETF.
It analyzes the economic indicators such as interest rates, exchange rates, spreads, and current account through deep
learning and allocates assets. Stock types are classified into large-cap stocks, growth-value stocks, pure-value stocks, and
dividend stocks. Bond types are classified into short-term bonds, mid-term government bonds, and corporate bonds. In
addition, type distribution is decided considering factors such as market situation and dividend season. The selection of
an item is decided according to the iRobo customized selection algorithm.
The proportion of bond ETFs and incorporated stocks will be differentiated based on their propensity to invest. The total
number of additions in the portfolio is 20~40. Trading is done in a batch order on the iRobo integrated system. It decides
optimal time using artificial intelligence machine learning to buy or sell.
-Korea : ‌KB Kookmin Bank (Financial Institution), Mirae Asset Dawoo (Financial Institution), Shinhan Investment Corp.
(Financial Institution), Dongbu Securities (Financial Institution), KB Securities (Financial Institution), Dongbu Asset
Management (Financial Institution), SK Securities (Financial Institution), Hana Financial Investment Co., LTD
(Financial Institution) and Korea Investment & Securities Co., Ltd. (Financial Institution)

IVYSolutions
Representative Kim Jong-gak Incorporation Date Dec 24th, 2014
Location 81, Tongil-ro, Seodaemun-gu, Seoul, Republic of Korea (15F, Imgwang Building)
Web Page www.ivysolutions.co.kr E-mail info@ivysolutions.co.kr Contact +82-2-363-0090
Enquiry Contact +82-2-363-0090 Enquiry E-mail info@ivysolutions.co.kr
Bluetooth Platform, Form of

Main Service Membership and Store Fintech Area Payment/Settlement B2B
Management Service Business
Introduction
Ivy Solutions develops and supplies a variety of convergence services using its POS platform for affiliated members.
Founded in December 2014, Ivy Solutions is a mobile platform service centered on stores.
Ivy Solutions is expanding alliances with major financial institutions such as Shinhan Card, Samsung Electronics, KEB Hana
Card and DGB Daegu Bank.
The company recently developed POS Banking Service, which enables POS to be used as a banking system, and it
provides related solutions to IBK. Ivy Solutions was selected as a company to cultivate 'IBK Financial Group Pin Tech
Dream Lab 3' in recognition of its on-line and off-line technology.
History
Dec 2014. The foundation of Ivy Solutions Inc.
Sep 2015. The conclusion of business cooperation agreement with Shinhan Card (App Card Bluetooth Payment)
Mar 2016. The conclusion of business cooperation agreement with Samsung Electronics.
May 2016. The conclusion of business cooperation agreement for the payment service with DGB U-pay (Daegu
Transportation Card).
Jul 2016. The acquisition of Multi-pad 'Quick Pass' Certificate (UNION PAY).
Sep 2016. The conclusion of business cooperation agreement with KEB Hana Card.
Nov 2016. The conclusion of business cooperation agreement with Daegu Bank (ATM Service).

Ivy Solutions is introducing an integrated Bluetooth platform that supports both short and long distances. Ivy Solutions'
developed Bluetooth-based short-range security communication uses a low-power Bluetooth bridge (BLE Bridge), a two-
way communication technology, rather than a pairing method. In order to enhance security, it combined 'IVY OTP' and
distance and direction control technology.
‘Shop Manager’, a platform-based integrated store operation service provided by Ivy Solutions, supports services that
integrate and manage stores in connection with various services such as Bluetooth platform. Mobile payment, contents,
membership, and other services are provided as store exclusive total service. The Shop Manager also solved the security
problem of Bluetooth payment with the data encrypted with the near-short three-step authentication method.
BTARGO is a membership service that combines Bluetooth and Augmented Reality to provide various services such as
forecasting customer behavior in the store. From membership to mobile payments, smart orders, mobile alerts, coupons
and ads can be applied.
-Korea : Shinhan Card (Financial Institution), DGB Upay (Transportation Card), KEB Hana Card (Financial Institution) and
Daegu Bank (Financial Institution)
150
JC1 Corporation
Representative Shin Jong-Ho Incorporation Date Apr 26th, 2004
Location 234, Beotkkot-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No. 1703)
Web Page www.jc1.co.kr E-mail jhshin@jcone.co.kr Contact +82-2-3444-4660
Enquiry Contact +82-2-6299-5918 Enquiry E-mail yrcho@jcone.co.kr
Form of
Main Service Paperless E-Form Fintech Area Others B2B/B2C
Business
Introduction
INFINISOFT is a software developer for e-commerce. Since its establishment in September 2011, INFINISOFT has been
providing smartphone-based on-line and off-line payment solutions as well as on-line electronic payments payment
gateway system, and electronic financial intermediation solutions.
It has developed PayPal payment intermediation system in Samsung's smart TV environment. It has constructed payment
gate way with Paytus, Chung Ho Easy Cash, and Uniwill.
History
Apr 2004. ‌The establishment of JC1 Corporation
Jun 2007. ‌The approval of anex laboratory establishment from Korea Industrial Technology Association
Oct 2011. ‌The registration as paperless E-form software
Jun 2012. ‌The acquisition of Green Technology Certificate (The Ministry of Knowledge Economy)
Nov 2013. ‌The award of Grand Prize for the IT Inovation (Ministry of Science, ICT and Future Planning)
Oct 2016. ‌The acquisition of ‘Hi Smart E Form’ GS certificate.
Feb 2017. ‌Selected as a High Seoul Brand (Seoul Business Agency)
May 2017. ‌The conclusion of partnership agreement with SDN Corp. in Malaysia

JC1 Corporation is a solution provider for digital transformation of companies. It enables companies to utilize the core
information they have at an affordable cost in the applications they need at the right level of service. The solutions offered
by JC1 Corporation are various (including paperless solution, integrated electronic document management solution,
and recording integrated backup solution). The paperless form solution is an electronic format document management
solution that creates, distributes, stores, and manages electronic forms (E-Form) using smart devices instead of writing
and archiving them as existing paper documents. By implementing eco-friendly technology for the low-carbon, green
growth, customers can reduce paper document management costs and increase business process efficiency without
time and space. The integrated electronic document management solution manages the flow of all documents
from creation to storage, utilization, preservation and disposal. It provides document functions, statistical functions,
management functions, and system functions for managing all contents generated by the enterprise in an integrated
manner. Recording integrated backup solution centrally backs up recorded files dispersed by call centers and manages
recording files in an integrated manner.
-Korea : ‌Korea Digital Content Association (Industry Research) and Seoul Business Agency (SME Support)

JTNet
Representative Kim Joon-tae Incorporation Date Sep 21st, 1993
Location 28, Digital-ro 30-gil, Guro-gu, Seoul, Republic of Korea (9F, Mario Tower)
Web Page www.jtnet.co.kr E-mail jcnet@jcnet.co.kr Contact +82-1544-1107
Enquiry Contact +82-1544-1107 Enquiry E-mail jcnet@jcnet.co.kr
VAN Approval Agency and Form of

B2C Electronic Payment (PG) Business
Introduction
JTNet is a provider of Value Added Network and electronic payment services.
In order to achieve continuous growth, JTNet is focusing on developing stable and reliable credit card VAN services,
developing and supplying credit card terminals and POS solutions, and developing additional services. In addition, the
company is seeking to differentiate itself from its competitors by exploiting various businesses of hybrid concept through
alliances with heterogeneous industries, as well as new financial services based on credit card VAN services and new
businesses in advanced financial and telecommunication sectors. JTNet provides a total sales management consulting
service based on its basic VAN service to increase sales of merchants.
History
Sep 1993. ‌The establishment of JTNet
Apr 1995. ‌The conclusion of credit card approval service agreement with all 25 domestic card companies in Korea
Apr 2007. ‌The change of company name into JTNET
Dec 2013. ‌The acquisition of Information Security Management System certificate (ISMS)
Dec 2014. ‌Transfered into the subsidiary of YellowMobile.
Jan 2015. ‌The launching of PG service 'tPay'
Jul 2016. ‌The BW investment attraction of 20 billion

JTNet provides on-line and off-line payment services.
tPay is an online and offline payment service based on VAN business experiences and PG solutions proven by the same
industry. It separates the VAN and the PG system and provides quick and stable settlement service through joint use of
its own VAN finance network. To enhance security, it also applied DB encryption for private information, information
leakage prevention system, and surveillance log solution. In addition, after developing the tPay sales inquiry service
application, it provides sales inquiry, deposit inquiry, tax return, day sales and deposit notification service to merchants
using JTNet's merchant management service (JMS). JTNet's VAN service allows customers to use credit cards to pay
for goods or service payments at regular and large credit card merchants. JTNet’s Van services check Credit card status,
overdue, bad credit, and card limit and relays payment approval. JTNet is currently developing an IC chip business, which
boasts confidentiality and high security because the IC chip is embedded in the card. In 2011, it developed a barcode pad,
which is an information terminal capable of reading QR code information and digital signatures.
-Korea : ‌Shinhan Card (Financial Institution), Samsung Card (Financial Institution), KB Kookmin Card (Financial Institution),
Jeonbuk Bank (Financial Institution), Hyundai Card (Financial Institution), Olleh KT (Telecommunication), SK
Telecom (Telecommunication), LG U+ (Telecommunication), National Tax Administration (Government Agency),
Danal Inc. (Online Information Provider) and #The Zone (current The Zone Biz On) (Application Software)
152
Kakaopay
Representative Ryu Yeong-jun Incorporation Date Apr 3rd, 2017
Location 231, Pangyoyeok-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea(6F, S)
Web Page www.kakaopay.com E-mail conor.kim@kakaopaycorp.com Contact +82-31-606-5958
Enquiry Contact +82-10-7382-0726 Enquiry E-mail conor.kim@kakaopaycorp.com

payment and settlement service using Kakao Money which
is a prepaid electronical payment method, card simple Form of
Main Service Fintech Area Payment/Settlement C2C
payment service, billing service, authorization service, Business
membership service
Introduction
Kakaopay is a mobile payment service provider.
In April of 2017, Kakaopay was established as an independent corporation after having provided a payment service within
Kakao. It is expanding service areas to simple remittance, authentication service, issuance of Kakaopay cards.
Kakaopay attracted $ 200 million in investment from Ant Financial in February 2017. As of October 2017, the number of
cumulative subscribers exceeded 20 million.
History
Sep 2014. The launching of simple payment service
May 2015. The launching of affiliated check card
Feb 2016. The launching of ‘Kakaopay Bill’, EBPP service based on mobile messenger
Apr 2016. The launching of simple remittance service
Sep 2016. The payment support of car subscription money
Jan 2017. Making public payment API
Feb 2017. The investment attraction of $ 200 million from Ant Financial
Apr 2017. The establishment of Kakaopay as an independent corporation
Jun 2017. The launching of authorization service
Oct 2017. The breakthrough of cumulative number of 20 million members
Jan 2018. The launching of Kakaopay card

Kakaopay is a Fin-tech company that started off with providing a mobile payment service but is expanding its service areas.
Kakaopay aims to realize Wallet-less by replacing cards, cash, and ID cards in wallets with services such as simple mobile payment, remittance,
authentication, billing and membership.
Kakaopay's simple payment service was launched in 2014 and currently offers a variety of payment services using credit / check cards, account
connections, and mobile phones. It supports all domestic credit cards and can register up to 20 credit cards and check card information. It can be
used directly through KakaoTalk menu without installing any app, and it can be paid only by password registered in advance without complicated
procedures such as entering card information, identity verification process, etc., and it is possible to make a large amount payment over 300,000
won without an official certificate. Compared to other payment services in the market, it presents better convenience and more versatility.
Released in April 2016, KakaoPay Remittance is a service that allows you to send and receive money as easily as you send a message to a friend
without an official certificate, OTP (one time password) or account number in KakaoTalk chat room. After connecting account of financial
institution to Kakaopay, one can use necessary cash by recharging Kakao money. QR transfer function is added, so even if you are not a friend in
KakaoTalk messenger, you can send money quickly and safely using only QR code, which is useful for offline transfer.
The Kakaopay Card, a prepaid and direct payment card released in January 2018, is an offline payment method that can be used by all the
merchants nationwide using the balance charged from the bank account connected to Kakaopay. For all settlements either online or offline, 0.3%
of the usage amount is automatically accumulated without condition of last month's usage.
The 'Invoice', launched in February 2016, is a mobile messenger-based electronic bill payment (EBPP) service that allows customers to easily
manage bills through KakaoTalk and pay directly using Kakaopay. The billing service enables the billing agency to save money, and the customer
can pay the bill easily and manage the details, since the billing service connects the bill to the billing immediately after switching the bill to the
mobile. Launched in June 2017, 'Kakaopay Certification' is a private, easy-to-use personal authentication service based on mobile messenger.
KakaoTalk provides important documents requiring digital signatures such as personal information collection agreement, credit information
inquiry agreement, insurance subscription, and signing can be completed safely and simply by inputting a password.
-Korea : ‌Interpark (Internet Shopping Mall), Woori Bank (Financial Institution), KB Kookmin Bank (Financial Institution),
NH Nonghyup Bank (Financial Institution), Shinhan Bank (Financial Institution), KEB Hana Bank (Financial
Institution), Kakao Bank (Financial Institution), Standard Chartered First Bank (Financial Institution), KDB Industrial
Bank (Financial Institution) and others.
- Foreign Countries : Alipay (Simple Remittance/Payment)

KG Incis Co., LTD
Representative Yoon Bo-hyeon Incorporation Date Nov 3rd, 1998
Location 33, Jong-ro, Jongno-gu, Seoul, Republic of Korea (19th, 1Q Lab, Grand Seoul Building Tower 1, Chungjin-dong)
Web Page www.inicis.com E-mail ir@kggroup.co.kr Contact +82-1588-4954
Enquiry Contact +82-2-3430-5890 Enquiry E-mail ir@kggroup.co.kr
Form of
Main Service INIpay and KPAY Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
KG INCIS CO., LTD operates Payment Gateway business and leads the domestic market with 35% market share. KG INCIS
CO., LTD plays a role of connecting transactions among buyers, sellers (shopping malls), and financial institutions at the
point of contact with the online payment market.
Established in 1998, KG INCIS CO., LTD has led the field of electronic payment from 2003 and placed itself as the leading
brand of Payment Gateway in Korea. As the market of online shopping has grown tremendously, the PG market for the
electronic payment business is also expanding along. Especially, business has been boosted by rapid growth of simple
payment service market since 2015.
KG INCIS Co., Ltd. has more than 120,000 franchisees and is showing a continuously increasing trend. Also, acquiring
Cage Alltel on September 2016, strengthened increasing number of clients. In addition to the PG business, the company
has begun the offline VAN business and diversified the business field by investing in Eight Percent, a P2P company, and
K-Bank, a online bank.
History
Nov 1998. The establishment of Incis
Dec 2002. Listed on KOSDAQ
Jul 2003. The business expansion into the virtual currency market
Mar 2009. The conclusion of affiliated service agreement with Google
Sep 2011. The transfer into Incis KG Group
Dec 2014. The merger of Dongbu Delivery
Nov 2015. The approval of preminary license for Internet Specialized Bank K Bank Consortium
Apr 2016. The conclusion of PG solution business agreement with Russian and Kazakhstan governments
Jun 2017. The establishment of Russian Branch.
Oct 2017. The disposal of KG Logistics, one of its distribution subsidary companies.

INIpay provided by KG INCIS Co., Ltd. is an internet electronic payment service, which offers more convenient payment
services by credit card and other payment means to make payment on internet stores and provide various information
and statistic data for the transaction of franchisee.
Its services enable the trust to be built among buyers, sellers and financial institutions based on our stable electronic
payment service. By providing a trusted, secure network between financial institutions and telecommunication providers,
it thrives to assist in increasing sales from sellers. It is the first mobile payment service for smartphones in Korea and
supports both application-based and website-based mobile payment. In addition, it adopts the most updated and secure
security technology in Korea. For the global market, the company offers the local currency payment for each country and
KRW payment service to foreign franchises. Moreover, it reached a business cooperation agreement with global leading
payment service companies including MasterCard, Global Collect, CyberSource and Alipay.
-Korea : ‌Shinhan Card Co., Ltd. (Credit Finance Institution), SAMSUNG CARD Co., Ltd. (Credit Finance Institution), KB
Kookmin Card Co., Ltd. (Credit Finance Institution), Jeon Buk Bank (Credit Finance Institution), BC Card (Credit
Finance Institution), Hyundai Card Co., Ltd. (Credit Finance Institution), Cafe24 Corp. (E-commerce Platform),
Asadal (System Development), Gabia Inc. (IT Solution) and Settle Bank (Electronic Finance Solution)
154
KG Mobilians
Representative Kwak Jae-sun Incorporation Date Mar 17th, 2000
Location 660, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (5F, U Space 1A, Sampyeong-dong)
Web Page www.mobilians.co.kr E-mail salesop@kggroup.co.kr Contact +82-2-2192-2000
Enquiry Contact +82-2-2192-2101 Enquiry E-mail psj@kggroup.co.kr
Phone Payment Service Form of

Main Service (Telecommunication Fintech Area Payment/Settlement B2B/B2C
Charging) Business
Introduction
KG Mobilians is a mobile payment service provider. Since the establishment in 2000, it has been pioneering the field
of mobile payment service. In 2004, it was selected as a "fast growing company in Asia" by a consulting firm, Deloitte
Touche Tohmatsu Limited. After incorporated into KG Group in 2011, it has strengthened and affirmed its position as
a leader in the mobile payment market. The company successfully issued 100 billion won worth of ABS (asset-backed
security) in 2016.
History
Mar 2000. Established KG Mobilians
May 2000. Changed the company name into Mobilians
Jun 2002. Registered the patent of phone payment service
Dec 2004. Listed on KOSDAQ
Dec 2004. Selected ‘500 Fast Growing Companies in Asia’ by Deloitte Touche Tohmatsu Limited
Sep 2011. Transferred into KG Group
Nov 2016. Issued 100 billion won worth of Asset-backed security (ABS)
Apr 2017. Concluded a supply agreement for Phone OTP Authentication Solution with K Bank

KG Mobilians introduces a total payment solution. It provides the mobile payment service via telecommunication service
providers. The payment method is very convenient; it adds the charges to the next month’s telecommunication bill and
the process is made by using the phone number, the birth date (including the first number in the back number of resident
registration number), and the authentication number.
Also, it introduces online to offline (O2O) business; it provides a variety of O2O services including Phone Bill Card (an
offline phone payment) using any real card, mobile phone prepaid card and gift card payment service using kiosk.
KG Mobilians conducts the system integration business. It is a mobile one time password (MOTP) construction business
to generate a one-time password for mobile phones in banks, securities companies and game companies
It also provides T-money payment service, which is a service that one can add a certain amount of money in form of
T-money by using phone payment or visiting T-money Charging Franchise and then uses it in online/offline franchises.
The phone identity verification service provided by KG Mobilians is an alternative resident registration number
authentication service, which can verify the identity and real name of users by receiving minimum information including
the birth date, the name and the phone number, in accordance with the Information and Communications Network Act
and the Personal Information Protection Act. It acts as an identity verification agency by concluding a direct agreement
with SKT, KT and LG U+, which are three major telecommunication providers in Korea.
-Korea : ‌SK Telecom (Telecommunication Company), KT (Telecommunication Company), LG U+ (Telecommunication
Company), KAKAO (IT Service), EBAY (E-commerce), 11st (E-commerce), GODO (IT Service), Café 24 (IT Service),
NHN Entertainment (IT Company) and Make Shop (IT Service)

KIBNET
Representative Jang Young-hwan Incorporation Date Sep 27th, 2000
Web Page www.kibnet.co.kr E-mail Kibnet@kibnet.co.kr Contact +82-2-2175-1175
Enquiry Contact +82-2-2175-1141 Enquiry E-mail sclee@kibnet.co.kr
Form of
Main Service Electronic Financial Service Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
KIBNET is a financial VAN business operator based on bank accounts.
It is a medium-sized company, which has secured a network of all banks in Korea and grown into a specialized Fin-
tech company in various electronic financial solutions and payment systems (including automatic transfers and virtual
accounts) based on the bank accounts.
KIBNET provides high-quality digital financial services to more than 500 public institutions and mid-to-large-sized
companies by integrating various e-banking solutions based on KIBNET’s own e-financial services and management
know-hows, which were accumulated over years.
Currently, KIBNET is working on developing Fin-tech application solutions (including financial transaction relaying service,
ARS authentication and account-based simple payment) based on the relay engine and the standard professional
configuration technology for linking with financial institutions and companies.
History
Sep 2000. The establishemnt of KIBNET
Jul 2002. Selected as the technology innovative small business
May 2003. The certificate of venture company certificate for new tehcnology company
Jun 2007. The registration as the electronic finance business (Financial Supervisory Service)
Oct 2012. The development of next-generation system and the integration of centers
Jan 2016. The launching of ARS certificate service (Withdraw Consent)
Feb 2016. The launching of Check Pay Application (Simple Receipt)
Apr 2017. The association with GS Home Shopping (Direct Payment)

KIBNET is a financial VAN operator.
Key services provided by KIBNET include automatic transfers, virtual accounts, and money transfer services, and various services are offered to
improve financial convenience.
Checkpay of KIBNET is the original Fin-tech service, launched in February 2016. It is a service that allows to transfer, charge, pay, search accounts
on/offline between individuals, between individuals and businesses, and between businesses and businesses.
Checkpay is an application that allows easy billing and simple remittance. The most important feature is that the security is enhanced so that
members can use the service more safely. At Checkpay, a solution called ‘AppSuit’ which is Stillian's anti-hacking application will be applied.
Appsuit will enhance the security system of Checkpay once applied because it is based on the recommendations of the Financial Supervisory
Service (FSS) such as source code obfuscation, reverse analysis, and anti-tampering technology.
KIBNET also provides ARS voice recognition service. In cooperation with more than 400 domestic companies and agencies, KIBNET has been
developing ARS voice recognition services to provide easy access to the authentication systems of customers.
The ARS voice recognition service has been recognized to reduce burden and worries from billing agencies regarding transmit evidence.
The billing agencies can reduce the burden of work using the automatic debit integration management system in which the proof of debit
authorization is transmitted upon registration.
-Korea : ‌Kyongnam Bank (Financial Institution), Kwangju Bank (Financial Institution), KB Kookmin Bank (Financial
Institution), IBK Industrial Bank (Financial Institution), National Federation of Fisheries Cooperatives (Financial
Institution), Daegu Bank (Financial Institution), BNK Busan Bank (Financial Institution), KDB Industrial Bank
(Financial Institution), National Federation of Fisheries Cooperatives (Financial Institution), MG Saemaeul Finance
Firm (Financial Institution) and Shinhan Bank (Financial Institution)
156
KN company
Representative Gu Reum Incorporation Date May 19th, 2015
Location 201, Daegudae-ro, Jillyang-eup, Gyeongsan-si, Gyeongsangbuk-do, Republic of Korea (Room No. 1201A)
Web Page www.kncom.co.kr E-mail loboginfo@gmail.com Contact +82-70-7762-9364
Enquiry Contact +82-10-7579-7993 Enquiry E-mail etssea@naver.com
Form of
Main Service LOBIG Fintech Area Others B2B
Business
Introduction
KN Company is a start-up that provides services that utilize Big Data Artificial Intelligence to the real estate finance
market.
KN Company provides current market’s price information on unstructured real estate (coalition and multi-generational). It
provides Fin-tech solutions to banks by offering non-face-to-face services on quotes for small apartment houses that are
in a very unfavorable position in terms of financial services, and mortgage loans asset monitoring.
Representative services include LOBIG, a big data based real estate analysis system. It collects real estate data, calibrate
and analyze by A.I.
KN Company signed a partnership agreement with Busan Bank in 2017 to cooperate in the field of Fin-tech and was
selected as the "2017 Big Data Flagship Pilot Project" organized by the future creation science department.
History
May 2015. The foundation of KNcompany Co.
Jun 2016. The launching of <LOBIG>, a market price information service for row houses and multi-family houses.
Jul 2016. Selected as the First Penguin Startup (Korea Technology Finance Corporation)
Apr 2017. The conclusion of MOU agreement for the development of innovative fintech-based business model and joint
enterprise with Busan Bank
Jun 2017. Selected as 2017 Big Data Flagship Demonstration Project (the Ministry of Science, ICT and Future Planning)

KN Company provides LOBIG, which is a Location-Based Big Data System through the cross validation of various public/
private information by building a big data architecture with its own technology. Since the subjective judgment of the
appraiser does not intervene in the price calculation, it is possible to extract objective information and it is very accurate
because it reflects the objective indicators such as location, construction year, building material, number of floors,
equilibrium.
Currently, it possesses a vast amount of information about 550,000 households in the Seoul area, and it boasts a highly
advanced algorithm that analyzes the data, which had taken several days to analyze by a general appraiser or real estate
agent, in 0.15 seconds.
KN Company is striving to build a stronger algorithm base by collaborating with commercial banks, taking advantage of
the fact that banks execute loans to clients and accumulate evaluation histories and have various experiences. It plans
to provide similar services for unstructured real estates in Busan by establishing the alliance agreement with Busan Bank
(including Seoul real estate data).
-Korea : ‌Daegu Center for Creative Economy and Innovation (Government Agency), Shinhan Bank (Financial Institution),
Shinhan Financial Holding Company (Financial Institution), Busan Bank (Financial Institution), Shinhan Data
System (Financial Institution), Samsung Venture Investment (Financial Institution), Colorful Daegu (Local Festival),
Daegu University (Financial Institution) and Web Watch (Authentication Institution)

Kocore Inc.
Representative Lee Geun-young Incorporation Date Mar 12th, 2009
Location 271, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 305)
Web Page ww.kocore.kr E-mail coreanhope@naver.com Contact +82-70-4348-1113
Enquiry Contact +82-10-8397-1991 Enquiry E-mail coreanhope@naver.com
Form of
Main Service Internet Bookkeeper Fintech Area Others B2B
Business
Introduction
Kocore is a company that focuses on the integration of public institution systems. Korea Gas Safety Corporation, Energy
Technology Evaluation and Management, and Industrial Technology Evaluation and Management are its major clients.
Kocore has been focusing on the Fin-tech business since 2016. Based on the know-how accumulated through the
construction of MIS and PMS for many public institutions, Kocore has been providing Internet cash map, mobile book
money map, and open platform tax map.
Kocore's tax map suggests accounting outsourcing that shares the system so that outsourced person can connect
to system at home and work for accounting. Through the outsourcing of accounting that starts at half of cost of the
paycheck of the entry-level accounting for companies that are in need of cost reduction, more specialized tax accountants
aim to provide high-quality consulting services in high-level accounting business processing.
History
Mar 2009. The establishment of RCI Soft Corp. (C.E.O. Lee Geun Young)
2010. The participation into the development of Woori Bank Budget Management System
May 2013. The establishment of server system for many public enterprises (including Korea Energy Management
Corporation, Korea Gas Safety Corporation and Korea Occupational Safety and Healthy Agency).
Sep 2016. The launching of Happy Internet Account Book Service, ‘Cash Map’.
Jul 2017. The launching of Online Tax Agency Open Platform Service, ‘Tax Map’.
Aug 2017. The lauching of SME Mobile Business Management Service, ‘Money Map’.
Sep 2017. The organization of National Tax Support Group, ‘Tax Map’.

Kocore has invested its experience in the system integration to develop a variety of Fin-tech solutions.
Kocore's CashMap is a company resource management service, which enables customers to manage goods transactions,
manage accounts and collect records. It also records customer accounts, branch accounts, sales and purchase ledgers
automatically. CashMap is a service for small and medium-sized businesses with the so-called "Internet book". Its key
functions include accounting management, purchasing and sales management, personnel and salary management,
expenditure and expense management, product and inventory management, and electronic tax invoices. Moreover, it
realized mass account automation Integrated account management solution as well as accounting automation.
MoneyMap is a mobile business management service for small business owners. Its key functions include integrated
account management, card expenditure management, card sales management, tax bill management, VAT simulation,
and document management. Kocore concluded a partnership agreement with Thomas Consulting to provide these
above consulting services.
Finally, our TaxMap service is an open tax platform for online tax services, which communicates with customers using its
services and manages them.
-Korea : ‌Solbipos Corp. (POS), Dongan Tax Corp. (Tax Firm), NH Nonghyup Bank (Financial Institution), Samsung Card
Co., Ltd (Financial Institution), Givtech Co., Ltd (Financial Data Platform) and Smemo Corp. (Memo Application)
158
Kona I Inc.
Representative Cho Jung-Il Incorporation Date Mar 11th, 1998
Location 3, Eunhaeng-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (8F, Excon Venture Tower)
Web Page www.konai.co.kr E-mail johj@konai.com Contact +82-2-2168-7500
Enquiry Contact +82-2-2168-7642 Enquiry E-mail johj@konai.com
Manufacturing and Platform Form of

Main Service Service of IC Chips and Smart Fintech Area Financial Platform B2B/B2C
Card Business
Introduction
Kona I is specialized in providing Fin-tech related total solutions and platforms. Based on its proprietary IC chip operating
system (OS), it is engaged in platform business that provides related business, settlement, authentication, security and
video related solutions for communication, finance, and public sector.
Established in 1998, Kona I developed and commercialized a bus-subway integrated transportation card system for the
first time in Korea. Since 2005, it has developed solutions for all areas related to the operating system and smart card use
of our own IC chips and supplied them to the world under the brand name "KONA".
Currently, it carries businesses in IC chip related business supplying communication, finance, and public sector, and
platform business providing the solutions of settlement, authentication, security and video (including Visa, MasterCard,
JCB and Amex) to meet the needs of its customers.
History
Mar 1998. The foundation of KTB Technology
1999. The development and commercialization of transportation card system for the first time in Korea.
Apr 2004. Received “Advanced Card Awards” for the third consecutive year in United Kingdom.
Mar 2004. Supplied a global platform-based java card (Kona) to Busan Bank
Jul 2004. Acquired ISO9001:2000 quality management system
2005. Acquired the quality certificate for Cash IC Applet (Korea Financial Telecommunications & Clearings)
Apr 2012. Changed the company name into KONA I

Kona I develops and provides various Fin-tech solutions by introducing EMV (International Payment Standard) based
payment solution to the world market, commercializing NFC USIM for the first time in Korea and supplying the best
solution with all NFC products such as Embedded SE and NFC Micro SD.
Kona I provides IC chip-based ID cards and all associated solutions that meet all security requirements for electronic
identification, ePassport, driver's license, and electronic health cards. Also, along with its subsidiaries in manufacturing
sector such as Kona M and Kona C, it introduces a variety of e-cards with enhanced security.
The platform business is also underway. Kona Card is a rechargeable mobile card payment platform that fully releases
all the steps from mobile card issuance to settlement. There are two types of IC card type real cards and mobile card
through apps. If you register your real Kona card in your mobile app, you can view transaction details and benefits, and
apply for income deduction.
Veaver is a corporate video-based knowledge sharing platform that offers six IT solutions maximizing the efficiency of
work by enabling employees to directly apply to the corporate environment.
-Foreign Countries : ‌Oracle, JCB (Financial Institution), Union Pay (Financial Institution), American Express (Financial
Institution), Visa (Financial Institution), Master Card (Financial Institution), Diners Club (Financial
Institution), GSMA and Acuon Capital (Financial Institution)

Korbit
Representative Yoo Young-seok Incorporation Date Jul 5th, 2013
Location 376, Gangnam-daero, Gangnam-gu, Seoul, Republic of Korea (5F)
Web Page www.korbit.co.kr E-mail info@korbit.co.kr Contact +82-2-6925-6662
Enquiry Contact +82-2-6925-6662 Enquiry E-mail info@korbit.co.kr
Form of
Main Service Korbit Exchange Fintech Area BlockChain B2C/B2B
Business
Introduction
Korbit operates a crypto exchange. It supports alt coin transactions (including Bitcoin, Etherium, Litecoin, Monero, Zcash,
Augur and Dash) in its own crypto exchange. Korbit is the oldest operator in the industry, and thus it has accumulated
several years of experience and secured stable servers and top-notch security systems. With more than 90% service levels
record from customer service center, it provide faster and more professional consulting services.
History
2013. The establishment of Korbit
2014. The launching of KRW-Bit Coin Exchange.
2015. The launching of overseas remittance receipt service, ‘Bitwire’.
2016. The launching of supply service for Ethereum and Ripple
2016. The launching of overseas remittance service, ‘HYPHEN’.
2017. The launching of Steam payment exchange service (including Monero, Dash, Light Coin, Zcash and Augur)
2017. Merged into NXC Corp.

Korbit operates a crypto exchange, Korbit Exchange. Beginning with the world's first KRW and crypto exchange, Korbit
provides a variety of financial services including KORBIT PAY to enable your business to enter the global market through
Bit-coin.
Founded in 2013, Korbit Exchange supports ten digital asset transactions. As of November 2017, Korbit's monthly trading
volume amounts to 3 trillion won per month and the number of MAU users reached 40,000. KORBIT PAY is a global
payment service using Bit-coin.
HYPHEN is a service that allows individual users to send or receive money using a Bit-coin. In order to remit overseas
through banks, it is necessary to pay the commission in exchange for using the International Banking Association.
However, if you use HYPHEN, the commission is cheap enough to pay only 2% of the total remittance amount for each
remittance. Now, with HYPHEN of Korbit, one can send six kinds of currencies to 24 countries including France, Germany
and China. Currently, Korbit is using the network of overseas investors as a medium of HYPHEN to form the World Bit-
Coin International Money Transfer Coalition.
160
Korea Credit Data
Representative Kim Dong-ho Incorporation Date Apr 27th, 2016
Location 607, Yeongdong-daero, Gangnam-gu, Seoul, Republic of Korea (6F, Landmark Building)
Web Page ww.kcd.co.kr E-mail info@kcd.co.kr Contact +82-2-533-0204
Enquiry Contact +82-2-533-0204 Enquiry E-mail kelvin@kcd.co.kr
Form of
Main Service Cash Note Fintech Area FInance Platform B2B
Business
Introduction
Korea Credit Data is a software developer that deals with business transaction information. Cashnote is a simple
accounting service for small and medium-sized businesses. Cashnote has been evaluated as offering a new paradigm
to the small and medium-sized business management market because all functions are available only with KakaoTalk.
It has proved convenience and excellence of Cashnote several times in that it can easily view and manage financial
and accounting information with mobile messenger. Business agreements with big companies such as Kakao, KT, and
Dongwon Home Food are also increasing. It was awarded the Ministry of Finance and Economy Minister's Prize, and it
attracted 4 billion won of investments from Kakao.
History
Apr 2016. The establishment of Korea Credit Data
Apr 2017. The launching of CashNote
Oct 2017. The conclusion of the exclusive partnership with Kakao (The business financial accounting solution)
Nov 2017. The achievement of 30 thousand customer companies

Korea Credit Data is a company that offers a simple accounting service called 'cashnote'. Cashnote is a simple accounting
service that can be used only once with KakaoTalk without a certificate of authenticity and separate app installation.
The ratio of daily active users is 97%, which is a necessary service for small and medium-sized businesses. Excellent
convenience is also an advantage. You can easily check the amount of missing sales and the estimated amount of credit
card companies. It is also advantageous to be able to manage transactions that have been scattered across multiple sites
in one place. Cashnote can grasp the overall accounting tasks such as card sales management, sales analysis, and tax
related business at a glance. It automatically analyzes the sales settlement information, which is inconvenient to manage
due to the difference between the complicated settlement method and the card settlement cycle, and it informs it as
'KakaoTalk notification message form'.
-Korea : ‌Kakao (IT Company), Olleh KT (Telecommunication Company) and KB Financial Group (Financial Institution)

Korea Smart Authentication Corp.
Representative Moon Gi-bong Incorporation Date May 22th, 2015
Location 177, Yeoksam-ro, Gangnam-gu, Seoul, Republic of Korea (3F, Sohyeon Building)
Web Page www.Smartauth.kr E-mail info@smartauth.kr Contact +82-2-529-9907
Enquiry Contact +82-10-9242-9509 Enquiry E-mail jayhwang@smartauth.kr

Mobile Biometric, Mobile
Non-Face-to-Face Real Name Form of
Confirmation (eKYC) and Business
Homomorphic Encryption
Introduction
Korea Smart Authentication is leading the mobile based FIDO market as the partner of Daon Corp. which is global No.1
company in the FIDO platform. Its solution adopts various biometric authentication methods such as fingerprint, face,
voice, iris and others, and it provides services safely through KTNET, which is a national certification institution. Also, it is
focusing on expanding additional authentication methods such as voice, PIN (password), pattern to increase customer’s
selection pool.
Finally, it developed image recognition solution using deep learning by investing to A.I. area and are studying to expand
the application area. We possess 3 patents in authentication part and 5 patents in the same shape cipher part through
R&D investment.
History
May 2015. The establishment of Korea Smart Authentication Corp.
Oct 2015. The conclusion of agreement for the rights of using FIDO Software with Korea Appraisal Board
Oct 2015. The conclusion of strategic partership agreement with Daon Corp.
Apr 2016. The conclusion of the investment atrraction from Seoul Univ. Technology Holding Company
Apr 2016. Selected as a business of developing the information security source core technology by Ministry of Science,
ICT and Future Planning.
Apr 2016. The conclusion of MOU agreement of Mobile FIDO Service with KTNET.
Jan 2017. The conclusion of strategic partership agreement with A.I. Specialized Company, ‘Neurodigm Corp.’
Feb 2017. The conclusion of agreement for the right of using FIDO Software with BonaBank Ltd.

Korea Smart Authentication provides biometric authentication services.
CreditPass, a mobile-based biometric authentication solution introduced by Korea Smart Authentication, is a solution
to securely and easily authenticate financial transactions such as face, fingerprint, voice, iris sign-in and simple payment,
remittance, transfer, etc. instead of ID and password to be. The biggest advantage of mobile-based biometric solutions
is convenience. Various authentication methods such as passwords, certificates, security cards, and OTPs are available
at present, but they are common in that it is inconvenient. Biometrics is a technology that is safe and simple enough
to replace the conventional method. Fingerprint and iris recognition do not take a second. The Korea Smart Certificate
also provides various authentication related functions through the integrated authentication server. It performs
various functions such as feature extraction and matching of biometric information, user management, application
management, authentication policy management, log and statistics. Korea Smart Certification has developed an API that
integrates fingerprint and face authentication on its integrated authentication platform to help Fin-tech companies and
SMEs easily introduce biometric authentication into their services.
-Korea : ‌On Trade (E-Commerce Solution), KSIC (Geographic Information System), Incheon U City (Urban Infrastructure
Construction), OCTATCO (Biometric Information Record) and KTNET (Trading IT)
162
Korea Smart ID Co., Ltd.
Representative Kim Dong-soo Incorporation Date Nov 12th, 2013
Location 242, Pangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No.503, Building A, Pangyo Digital Center)
Web Page www.emobileid.co.kr E-mail management@emobileid.co.kr Contact +82-31- 8060-0165
Enquiry Contact +82-10-9382-0427 Enquiry E-mail mskim@emobileid.co.kr
Mobile ID Form of
Fingerprint Smart Card Business
Introduction
Korea Smart ID is a specialist in security certification. It provides solutions to provide convenient and reliable services
to customers in the rapidly growing mobile payment market every year. Korea Smart ID is spreading fingerprint cards
which have high security and convenience in payment and personal authentication. It is the first company in Korea to
commercialize fingerprint authentication smart card, and it started service through Woori Bank. Korea's Smart ID's body
security certification system, which has high security and excellent technology, has been recognized worldwide as being
adopted as a certification program of the United Nations.
History
Nov 2013. The establishment of Korea smart ID Co., Ltd.
Apr 2015. The application of patent for the payment system using smart card and NFC communication.
Dec 2015. The commercialization of fingerprint recognition smart card.
Nov 2016. The acquisition of financial IC quality certificate for fingerprints smart cards.
Dec 2016. The acquisition of patent for 'Electronic Signature Method using FIDO Authentication Module'.
Jan 2017. The conclusion of fingerprint smart card supply agreement for Istanbul taxi driver's license with TAM Inc. in
Turkey
Apr 2017. The conclusion of fingerprint authentication card supply agreement with UN and UN-affiliated organizations.

Korea Smart ID is providing comprehensive security services based on authentication related technology. The fingerprint
smart card introduced by Korea Smart ID is a smart card that can be used only by users who have fingerprint sensors
and are registered with fingerprints. It can be applied to a variety of services such as online banking, on-line payment,
on-line personal authentication, and access control. Simple authentication is achieved with fingerprints and PIN without
complex password. It is a hardware-based secured storage medium that provides various value to customers such as
security, convenience, economic feasibility, and ease of application because it is easy to prevent hacking and information
leakage. The fingerprint smart card can be used as a general credit card and a check card, and it supports both contact
and non-contact payment at a POS terminal. PKI-based public key algorithms are also available for secured financial
transactions. It can communicate with various terminals, smart phones, etc. through RSA digital signature generation,
verification, decryption function and NFC function and can communicate with PC and notebook PC through card reader.
It is available as an existing security token.
-Korea : ‌Open Cyber University of Korea (Educational Institution), Woori Bank (Financial Institution), Korea Online
Procurement System (Government Agency), KOREA ELECTRONIC CERTIFICATION AUTHORITY (Public
Certificate Service), Korean Financial Telecommunications and Clearings Institute (Financial Institution)
-Foreign Countries : ‌Jinco Universal (Smart Card)

KOREAFUNDING
Representative Kim Haedong Incorporation Date Apr 17th, 2012
Location 550, Nonhyeon-ro, Gangnam-gu, Seoul, Republic of Korea (2F, WooSeung Building)
Web Page www.koreafunding.co.kr E-mail admin@koreafunding.co.kr Contact +82-1833-9188
Enquiry Contact +82-70-4351-5891 Enquiry E-mail jylee@koreafunding.co.kr
Number of Employees 12 Starting Capital 1,000,000,000 won
Form of
Main Service P2P loan brokerage service Fintech Area P2P Finance B2C
Business
Introduction
Korea Funding provides loan services and develops and supplies application software related to securities information.
By combining OTC stocks, which were difficult to handle in the existing financial sector, with P2P financing, it will help the
borrowing companies grow and generate profits for investors. Korea Funding is in the process of P2P financial integration
platform, which provides P2P loan business and all information and services of companies, products, investments,
community, analysis etc. of over 100 P2P companies. In addition, Korea Funding is building an integrated platform to
support P2P loan brokerage, unlisted stock information, trading, brokerage and investment.
History
Nov 2015. The launching of Korea Funding Platform, a P2P finance platform.
Sep 2016. The launching of P2P Financial Mall for Korea Economy TV.
Jun 2017. The launching of P2P Star

Korea Funding manages a P2P loan platform for a secured lending investment product that is set up as a lien and
provides the maximum amount of investment protection by selling the lien. Investment advisors consisted of OTC stock
experts who are affiliated with Korea Funding strictly select among the products that have been systematically analyzed
and verified. The stock price of the collateral for the products invested through Korea Funding is systematically managed
through real-time monitoring by the management team. Korea Funding is building an efficient investment system by
securitizing cash in its stocks, which was difficult for existing financial institutions. With a reasonable lending rate of 6 ~
15%, it will help the borrower to cash out the stocks in the stock market, and it will be able to apply the high loan ratio
and easy online loan application. On the other hand, it provides a high return on investment for investors. It can be easily
invested based on stable investment structure through collateral.
164
KROSS Inc.
Representative Kwak Ki-woong Incorporation Date Mar 10th, 2017
Location 5, Ttukseom-ro 1na-gil, Seongdong-gu, Seoul, Republic of Korea (3F)
Web Page www.90days.kr E-mail cs@kross.kr Contact +82-2-784-6466
Enquiry Contact +82-10-9600-1630 Enquiry E-mail 98@kross.kr
Form of
Main Service 90days Fintech Area P2P Finance B2B
Business
Introduction
KROSS is online brokerage service provider for investments. It is a joint venture with 50.1% from Muhak Group and
49.9% of Koscom Inc.
KROSS operates an open platform called ninetydays which connects investors and borrowers in form of electronic bill as
a collateral.
It attracted 5 billion won from Muhak Group, Blackswan, and others.
History
Mar 2017. The establishment of KROSS Inc.
Jul 2017. The registration of financing loan business by Financial Services Commission
Jul 2017. The start of P2P 90days, an online electric bill security loan service.
Sep 2017. The corporation commodity investment of 50,000,000,000 Won from Koscom, Muhak Inc. and Black Swan
Inc. (Largest in the industry)
Oct 2017. The achievement of total loan 30,000,000,000 Won

KROSS provides a reasonable and reliable online investment.
It provides brokerage of loans between investors and note holders, and execution of electronic note lending through loan
subsidiaries. The separation of deposits and the issuance of principal payments are the same as existing P2P secured loans
and the principal payment guarantee is an electronic bill. The electronic P2P loan brokerage market is expected to open
new opportunities for the Fin-tech industry while solving the financial problems of small businesses and small business
owners who are struggling with electronic paper discounts at banks, savings banks, and lenders. The loan application
process enters the borrower information after the membership of the platform and attaches the bill information and the
bill. When the discount rate is calculated and the examination is requested, the investment recruitment starts after the
examination is completed. After the investment recruitment is completed, the loan is delivered and the issuer is repaid at
maturity. The investment process enters the investor information after depositing the platform and deposits the deposit.
When you select an investment product and apply for investment, the investment recruitment is completed. It is the way
in which the investment is delivered and the principal repayment is made at maturity.
-Korea : ‌KOSKOM (Finance IT), Starbank (Finance IT), NICE Information Service Co., Ltd. (Credit-rating Institution),
Shinhan Bank (Financial Institution), The Zone (ERP) and Smart Lime (Financial Management)

KRPartners Inc.
Representative Kim Jun-heon Incorporation Date Jun 1st, 2006
Location 16, Digital-ro 32ga-gil, Guro-gu, Seoul, Republic of Korea (Room No. 1301, Partners Tower 2-cha)
Web Page www.company.kr.net E-mail krpartners@kr.net Contact +82-1566-3441
Enquiry Contact +82-70-4367-4197 Enquiry E-mail Philgyu@kr.net
Form of
Main Service ‘Eximbay’ Payment Service Fintech Area Payment/Settlement B2B
Business
Introduction
KRPartners Inc. is an international payment service provider. Founded in 2006, KRPartners Inc. is the first international
payment PG company in Korea to operate 'EXIMBAY', a global offshore settlement service brand that can be used in
China and Japan.
KRPartners Inc. has established a strategic partnership with global payment companies around the world and supports
Visa, MasterCard, JCB, Amex, and CUP online card payments covering over 90% of global card usage worldwide. In
addition, it provides the most used overseas payment method in Korea (including Alipay and Tenpei in China and the
convenience store settlement in Japan), which are specialized in country-specific payment services.
Since establishing a local subsidiary in Singapore, KRPartners has been operating various Fin-tech-based financing
businesses using the PG business with overseas branches in Japan, Hong Kong and Thailand.
History
May 2007. Concluded the business cooperation agreement with Alipay in China
Dec 2007. Concluded the business cooperation agreement with WorldPay in Singapore and ClickandBuy in United
Kingdom)
Aug 2011. Launched the first online DCC (Dynamic Currency Conversion) service in Korea
Dec 2012. Introduced CyberSource (a subsidary of VISA Corp.) - Decision Manager
Apr 2014. Signed a electronic payment service agreement with E-context in Japan
Mar 2015. Lanched the service for China Union Pay, a global card brand.
Feb 2017. Released We POP, a WeChat-based QR Code Payment Service.
Feb 2017. Registered the patent for hotel-related (G-Billing) payment solution.

KRPartners is a provider of various overseas payment services.
Dynamic Currency Conversion is a customer convenience service that enables customers to pay with overseas cards at
domestic merchants’ stores in their own currency. Domestic online/offline merchants (shopping malls, hotels, hospitals,
duty-free shops, etc.) paying with a foreign card will show the amount exchanged in the local currency right away when
they pay. The settlement amount is settled in the local currency other than the Korean won, so that the customer can pay
the settlement in the familiar currency and receive the final settlement amount without changing the exchange rate.
The company’s overseas payment brand, EXIMBAY, is providing the most overseas payment methods in Korea. In
addition to global card payments including Visa, MasterCard, JCB, and Amex, EXIMBAY offers a variety of overseas
payment services that can be used in China, Japan, and Southeast Asia.
In particular, WeChat Payment, an on-line payment service based on Wechat, one of China's "national messengers," was
launched for the first time in Korea in 2014 and has been used by about 400 domestic merchants so far. KRPartners will
also offer a virtual currency settlement service through the EXIMBAY application.
-Korea : ‌Hana Card (Financial Institution), Lotte Card (Financial Institution), BC Card (Financial Institution), Samsung Card
(Financial Institution) and EB Coin ((Financial Institution)
-Foreign Countries : ‌Visa (Financial Institution), Master Card (Financial Institution), JCB (Financial Institution), Union Pay
(Financial Institution), Paypal (Payment Service) and Line Corp. (Mobile Messenger)
166
KTBSolution
Representative Kim Tae-bong Incorporation Date Oct 8th, 2008
Location 70, Dusan-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No. 1906, Tower A, Hyundai Knowledge Industrial Center)
Web Page www.ktbsol.co.kr E-mail kim@ktbsol.co.kr Contact +82-2-2132-5551
Enquiry Contact +82-2-2132-5551 Enquiry E-mail developers@ktbsol.co.kr
Form of
Main Service Smart Sign Fintech Area Security/Authentication B2B/B2C
Business
Introduction
KTB solution is a IoT specialized technology company. It provides a two or more biometrics combined authentication
service, rather than a single-factor authentication service, to enhance authentication security.
KTB solution is taking a leading role in the USID (Unique Secure Identity) Alliance, a consultative body which establishes
global standards for biometric authentication. In Korea, it has concluded a MOU agreement with IBK to promote and
cooperate with.
History
2008. The establishment of KTB Solution
2010. The development of system for Korea Financial Telecommunications and Clearings Institute, NH Nonghyup Bank,
Shinhan Bank and Hana Bank.
2014. The preparation for the launching of FDS market service model.
2015. The award of 'World No.1 Best Authentication Solution Award' in the CITI MOBILE CHALLENGE
2016. The advancement into FINOLAB, one of the Japanese leading fintech centers.
2016. The advancement into 'LEVEL 39' in the England.
2016. The award of Grand Prize in 'K-Global Silicon Valley 2016' competition.

KTB solution provides an authentication solution.
The smart sign that KTB solution introduces differs from existing image storage and comparison method, and it analyzes
dynamic bio-information in real time. Based on the real-time vector coordinate extraction and distribution analysis
technique, it automatically analyzes and compares the direction, the order, the acceleration between segments, the time
of ownership, and the pressure. It provides non-face-to-face online biometrics authentication, RCS (Remote Control
System) detection prevention, user terminal device identification and authentication, FDS abnormal symptom detection
and security, and unique products and technologies in non-active X security.
Smart sign does not allow the digital signature to be altered or leaked, and various security technologies have been
applied for authentication. Real-time vector coordinate extraction and mathematical algorithms are applied to improve
accuracy and error correction.
KTB solution 's Smart Sign Cross is a cross-validation system for anyone, who has a smartphone, for the signature and the
face authentication.

Ladderfunding
Representative Park Ik-hyeok Incorporation Date Aug 3rd, 2016
Location 22-7, Seochojungang-ro 22-gil, Seocho-gu, Seoul, Republic of Korea (Room No. 201, 2F)
Web Page www.ladderfunding.com E-mail admin@ladderfunding.com Contact +82-2-723-9292
Enquiry Contact +82-2-723-9292 Enquiry E-mail admin@ladderfunding.com
Form of
Main Service P2P Estate Finance Fintech Area P2P Finance B2C
Business
Introduction
Ladder Funding is a P2P real estate finance platform company. Its name means a providing a ladder to a client for his/her
finance. The Ladder Funding is established by branch managers of Shinhan Bank and it targets to accumulate 100 billion
won in funding until 2021, to enter top 5 market leader.
The company is working closely with real estate development and corporate finance specialists to establish a network
organization with real estate loan experts (investment advisory, asset management, architecture, development, IT, legal
affairs, etc.)
History
Aug 2016. The foundation of Ladder Funding .
Mar 2017. The release of first P2P estate security loan product.
Jun 2017. The registration into Korea P2P Financial Association
Aug 2017. The completion to pre-register DDoS Cyber Shelter.

Ladder Funding is a P2P financial platform focusing on real estate. There are cases that borrowers have to face high
interest rate for borrowing if their credit is not met with current banking system’s credit screen process. However, by P2P
loan services, they can plan funding more easily and timely manner to plan their business agenda. Ladder Funding is
composed of small-scale construction funds of around 5 billion won to reduce the risk.
The investment amount is recouped by 200 million won and 400 million won depending on progress of the construction
to reduce investors’ risk and lessen burden of interest risk for borrowers.
The main products provided by Ladder Funding are construction project loans from villages, urban living houses, and
apartment complexes in urban areas. It improves the stability of investment by investing only in area within 10 minutes
from station area.
-Korea : ‌Uni Asset (Investment Consulting) and Korea P2P Finance Association (Public Institution)
168
Lang Partners
Representative Na Jong-hyeon Incorporation Date Jun 9th, 2014
Location 165, Dosan-daero, Gangnam-gu, Seoul, Republic of Korea (Shinsa Hill)
Web Page www.fundlang.com E-mail customer@fundlang.com Contact +82-2-6219-0325
Enquiry Contact +82-2-6219-0325 Enquiry E-mail customer@fundlang.com
Form of
Main Service Fund-lang Fintech Area P2P Finance B2B
Business
Introduction
Lang Partners operates a real estate P2P (peer to peer) platform under the name of Fundlang. Real estate has been
recognized as a stable asset, as it is based on a limited land; however, the amount of transaction is relatively large
and the complex nature of real estate has limited information exchange and requires expertise in investment analysis.
Lang Partners is consisted of a CEO, who previous managed real estate management from Korea’s largest real estate
management firm, Aegis Asset Management, and real estate specialists including executives of alternative investment
management companies in major domestic asset management companies, and representatives of alternative investment
in commercial banks and architects. Lang Partners entered into a strategic business agreement with Fidelis Asset
Management, an alternative investment-specialized company, and attracted investments.
History
Jun 2014. The foundation of Lang Partners Inc.
Apr 2017. The registration as a regular member in Korea P2P association.
Jun 2017. The development of third-party deposit special storage system with NH Nonghyp Bank.
Jun 2017. The completion of pre-registration for DDoS Cyber Shelter
Nov 2017. The conclusion of MOU agreement with Fidelis Asset Management

Lang Partners offers a variety of real estate products, including housing PFs. Through A.I. real estate value analysis
system based on machine learning, It attracts individual investors by crowd funding into real estate investing. Fund Lang’s
specialists finds and evaluates investable assets and provides a best service. Architects in Fund Lang search for hidden
value in perspective of architecture, and it continues to monitor and manage its investments. In particular, the company
has introduced a third-party deposit management system for NH Bank's NHPA, which is in line with the Financial
Supervisory Service's P2P Guidelines, and has also entered into an agreement for the "the agency rights on receipt of
principals and interests” to protect investors with Ilhyon, a real estate law firm.
In the case of company’s first product, it has been able to secure a stable operating rate with a default and deferment
rate of 0%.
-Korea : ‌Fidelise Asset Management (P2P Finance)

Leevi
Representative Kim Seong-hwan and Park Soo-hwan Incorporation Date Nov 21st, 2013
Web Page www.leevi.co.kr E-mail contact@leevi.co.kr Contact +82-70-4530-5786
Enquiry Contact +82-70-4530-5786 Enquiry E-mail contact@leevi.co.kr
Catch Comment and Form of

Media Lens Business
Introduction
Leevi is a big data analysis firm that uses online text-mining solutions to analyze unstructured data collected online. The
firm is established in 2104 by online data scientists. In the first year of its establishment, it was selected as a future ICT
promising technology project by the Ministry of the Future Creation Science and Technology. Currently, it is introducing
online comments analysis services such as 'Catch Comments' and 'Media Lens'. The company have conducted data
analysis for various industries such as media, public, manufacturing, and finance and it also provides analysis for various
purposes such as policy analysis, public opinion survey, marketing research, and credit evaluation.
It also introduced an intelligent chatbot service based on natural language processing technology that uses the language
as if it were interpreting and speaking people's words.
History
Nov 2013. The establishment of Leevi Inc. and selected as a promised global ICT technology company by Ministry of
Science, ICT and Future Planning.
May 2014. The launching of online public opinion analysis service for election camps, 'Catch Comment'.
Jul 2014. The launching of online public opinion analysis service for enterprises, 'Catch Comment'.
May 2016. The launching of online big data-based research product.
Jul 2016. The conclusion of business cooperation agreement for 112 reporting center data analysis with Bundang police
office.
Sep 2016. The establishment of credit report auto-writing system
Nov 2016. The establishment of intelligent chatbot platform

Leevi is a big data analysis company that connects people with high-quality information. It provides 'Catch comment'
and 'Media lens' for companies to manage their brand and perform targeted marketing, and it provides robot-based
automatic response and chat service through artificial intelligence chatbot. Catch comments collect data that is constantly
being produced across multiple channels via the Big Data crawler. This enables real-time monitoring of on-line responses
to brands and products managed by the company. One can check the spreads, big issues, and negative articles classified
through natural language analysis, and one can scrap and keep the posts one needs to keep in mind. The media lens
provides an in-depth analysis of the brand. Through this, one can see the results of SWOT analysis, positive and negative
index analysis, and public opinion analysis based on online big data. It categorizes customers and channels based on data
and supports targeted marketing. It helps to establish hypotheses based on similar data in the past and minimize the
risk of brand, and it will be able to actively reflect the insights that are analyzed in various dimensions according to the
purpose.
-Korea : ‌Bundang Police Office
170
Lending Science
Representative Kim Kab-young Incorporation Date Jun 1st, 2016
Location 20, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (10F, Yulchon Building)
Web Page www.lensa.co.kr E-mail lensa@lensa.co.kr Contact +82-2-2088-1331
Enquiry Contact +82-2-2088-1331 Enquiry E-mail lensa@lensa.co.kr
Form of
Main Service Apollo 11 Fintech Area P2P Finance B2C
Business
Introduction
Lending Science is a P2P platform company, which works for linking individuals, corporate investors and borrowers,
not financial institutions. Through Lending Science, borrowers receive funds from our investors while investors receive
principals and interests from borrowers. Also, Lending Science is realizing new data algorithms based our rich experiences
in the financial risk, marketing, development of credit evaluation model from non-financial data, the collection technology
of big data, and the automated screening system. As a subsidiary of Finger, which is a fintech provider of internet and
mobile banking platform solutions, Lending Science developed Apollo 11, which is characterized by the medium interest
credit loan and the paperless and instant payment, based on own technical support.
History
Jun 2016. The foundation of Lending Science Inc.
Oct 2016. The launching of P2P loan product, 'Apollon 11'.
Nov 2016. The conclusion of MOU agreement with Acuon Capital.
Mar 2017. The conclusion of business cooperation agreement with SM Credit Information.
May 2017. The conclusion of trusteeship agreement with Shinhan Bank
Jul 2017. The completion of pre-registration for DDOS Cyber Shelter.
Sep 2017. The release of real estate security loan investment product

Lending Science supports borrowing and investment in P2P type. The representative products of Lending Science include
a real estate mortgage investment product and the personal credit investment product.
Main loan product is called Apollo 11, which realizes a 'paperless, non-facing, immediate payment' process. Whereas
existing financial companies request necessary documents by fax or other equivalent means even though they can apply
through mobile or web, Apollo11 makes entire process into one single process. It systemizes loan application valuation
process. Apollo A, a real estate mortgage loan product, is an apartment mortgage based commodity that can be used as
a high loan-tovalue rate than other banking institutions.
-Korea : ‌Korea P2P Financial Association (Public Institution), Acuon (Financial Institution), SM Credit Information (Credit
Information) and Shinhan Bank (Financial Institution)

Lending Talk
Representative Lee Sung-min Incorporation Date Aug 31st, 2015
Location 37, Maebongsan-ro, Mapo-gu, Seoul, Republic of Korea (7F, DMC Industry University R&D Center)
Web Page www.lendingtalk.com E-mail lendingtalk@lendingtalk.com Contact +82-2-6933-1010
Enquiry Contact +82-2-6933-1010 Enquiry E-mail hhcho@lendingtalk.com
Online loan information Form of

Agency Business
Introduction
Lending Talk is a P2P financial platform company created by professionals, who have rich financial experiences, seeking
to answer how to reduce the time and cost of clients and provide lower interest rates, reasonable limits and return rates
stably. Lending Talk aims to benefit as many customers as possible by offering better transaction and service environment
for everyone in the online loan market. Lending Talk is growing as a safe and reliable P2P financial company, which
abides by related legal regulations and discloses the information clearly. As a P2P platform business, it owns a subsidiary
company, "Lending Talk Loan", to provide loan services to customers using loan products. Lending Talk does not engage
in the general loan-related business; however, the company performs only the loan business for our Lending Talk
customers.
History
Aug 2015. Established Lending Talk Inc.
Aug 2016. Selected as a supporting business by Seoul Business Agency
Apr 2017. Completed to develop the system of Lending Talk Platform
Jan 2017. Established Lending Talk Loan
Nov 2017. Released Lending Talk service

Lending Talk is a peer-to-peer (P2P) platform company that values the upmost of ‘safe investment’ and ‘reasonable
interest rates.’ It differentiated itself from competitors by offering cost-effective and automated online process system
that provides medium interest rate mortgage loan, Doctor loan, Pharm loan, and construction loan services. The
company aims to achieve the stable profitability based on its ability to manage risk with a vast financil experience.
Investment products do not guarantee principals. However, the company is committed to reduce risk of investment
through its automatic diversification investment and step-by-step rational risk policy. It tries to minimize the volatility of
expected return rate by reducing the loss rate. Its outstanding risk management does not negotiate with company’s risk
policy. Clients can receive all related information cleary what might affect their judgment in selecting investments.
-Korea : ‌Seoul Business Agency (Government Agency), Shinhan Bank (financial institution) and NH Nonghyup Bank
172
LENDIT Inc.
Representative Kim Sung-Jun Incorporation Date Mar 23rd, 2015
Location 19, Eulji-ro 5-gil, Jung-gu, Seoul, Republic of Korea (18F)
Web Page www.lendit.co.kr E-mail Contact@lendit.co.kr Contact +82-2-761-5054
Enquiry Contact +82-2-761-5054 Enquiry E-mail kkonal@lendit.co.kr
Form of
Main Service LENDIT Fintech Area P2P Finance B2C
Business
Introduction
Lendit Inc. is a P2P financial company established on March 23, 2015. Under vision of 'incorporate finance into
technology', the company provides all services as non-face-to face online services, leading to innovation in the financial
industry. Based on a self-developed review and evaluation model (Lendit Scoring System), Lendit Inc. calculates
personalized reasonable interest rates for all borrowers and provides a medium-rate interest loan, minimum interest
rate of 4.5%, and an average of plus or minus 10%. In order to match borrowers and investors, we are developing and
providing a real-time diversified investment recommendation system based on sophisticated big data analysis.
As of October 10, 2017, the cumulative loan amount of Lendit Inc. is 73.2 billion won, which is the largest number of
personal credit loan among P2P financial companies.
History
Mar 2015. Established Lendit Inc.
May 2015. Released Lendit Loan Service
Aug 2016. Released 'Portfolio 2.0', a real-time diversified investment recommendation system
Feb 2017. Awarded for Corporate Identity and Branding area in IF Design Award 2017 and Communication Design.
Apr 2017. Cooperated with BNP PARIBAS CARDIF Inc.
May 2017. Released Lendit Daily Automatic Investment Service
May 2017. Attracted Series B Investment and Cooperated with Shinhan Bank.
Oct 2017. Ranked as 1st in the Korea P2P Financial Personal Credit Loan.

Lendit Inc. is an investment bridge company via transactions between individual’s loan and investment. As an individual
can exchange files online, it can allow an individual to borrow or lend from one another through a loan. Lendit Inc.
recognizes that each person’s nature and circumstances are different, and it needs a specific customized service designed
specifically each individual. It analyzes the financial data and behavior patterns of each borrowing customer and presents
reasonably priced interest rates. For investors, it suggests a portfolio that matches the investment propensity and amount.
It transparently discloses all information that may affect customers. Loan customers will be informed of important
matters related to contracts such as monthly payment and interest rate calculation method. For investors, it shows the
"real return", which is not a packaged return, but an expected loss of tax, etc., and shares the progress quickly after the
investment. It also helps customers get the results they want with minimal time and effort. A loan customer can check
the approval result immediately after applying for a loan. Investors can earn stable returns by investing in dozens of bonds
that fit their needs with a single click.
-Korea : ‌NICE Information Service Co., Ltd. (Credit Rating), Shinhan Bank (Financial Institution) and BNP PARIBAS CARDIF
(Financial Business)

L-Fin
Representative Park Young-gyoung Incorporation Date Jan 4th, 2017
Location 200, Yeongdeungpo-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (2F, Wibee Fintech Lab)
Web Page www.lfin.kr E-mail parkyk@lfin.kr Contact +82-10-3743-6085
Enquiry Contact +82-10-3618-0814 Enquiry E-mail sjlee43@lfin.kr
L Pin Form of
Main Service (Location Authentication Fintech Area Security/Authentication B2B/B2C
Service) Business
Introduction
L-Fin is a startup, which develops a simple but greatly stable location-based authentication service. As the lifestyle of
consumers changes due to the proliferation of the mobile economy and the trend of non-face-to-face transactions
become common, it provides convenient and secure authentication services for both operators and users.
It has agreed to conduct pilot services for location-based authentication with domestic mobile service providers. It has
launched a beta service for location-based authentication service. The company secured a seed investment in October
2017.
History
Jan 2017. The foundation of L Fin Co., Ltd.
May 2017. Selected as the K-Global Security Startup by Korea Internet & Security
Sep 2017. Selected as the finalists of ‘Challenge! K-Startup 2017’
Oct 2017. The Seed investment attraction
Oct 2017. The conclusion of trial service promotion agreement with telecommunication companies.
Nov 2017. Selected as ‘K-Sec Startup Global Initiative 2017 (USA)’ by Korea Internet & Security Agency.
Nov 2017. The preparation of location-based certificate service, ‘L-Pin’, beta version.

L-Fin provides location-based authentication services.
In the location-based security authentication, a smartphone user generates a ‘location password’ using unique
information (code) received periodically from the mobile communication base station where the smartphone user is
located. It is used as authentication means of network service.
Unlike existing authentication method, L-Fin is highly secure because the password changes according to time and place.
The generated password can be used only in a specific area, and the convenience of the user is improved since there is
no need to take a separate action. In the case of a corporate login, authentication is possible only when the user is in
the place where the user actually wants to access. Because it uses the global standard network technology of mobile
communication, it is easy to advance to the world market.
-Korea : Woori Bank (Financial Institution), Korea Internet & Security Agency (Government Institution), Olleh KT
(Communication service), SK Telecom (Communication service), LG U+ (Communication service), Spring Camp
(Investment Company), and Gyeongbuk Center for Creative Economy and Innovation (Government Agency)
-Foreign Countries : WeChatpay (Quick Remittance·Payment), and Alipay (Quick Remittance·Payment)
174
LG CNS
Representative Kim Young-seop Incorporation Date Jan 14th, 1987
Location 24, Yeoui-daero, Yeongdeungpo-gu, Seoul, Republic of Korea (Yeouido-dong)
Web Page www.lgcns.co.kr E-mail khoonpark@lgcns.com Contact +82-2-2099-1439
Enquiry Contact +82-2-2099-1439 Enquiry E-mail khoonpark@lgcns.com
Number of Employees 6,600 Starting Capital 938,200,000,000 Won

Mpay, Blockchain-based
unlisted stocks trading Form of
Main Service Fintech Area Financial Platform B2B
platform, CNSpay, Open API Business
Platform, MDD and others
Introduction
LG CNS is a financial IT service company, which provides consulting, diagnosis, system integration, system maintenance
and solution supply for all business areas of financial institutions including banks, insurance companies, securities
companies, credit card and the capital companies.
.LG CNS has been building and managing the large IT system for financial companies for over 20 years and provided
MDD (Model-Driven Development), an innovative development method for post-generation systems. In addition, it leads
the "Digital Transformation" of financial company represented by the market of Internet-only bank. Its financial solutions
are recognized as the Best Reference in the industry and applied widely in various domestic financial institutions to
support the change and innovation of financial system.
History
Jan 1987. The foundation of joint ventures and acquisitions STM (System Technology Management).
Oct 1989. The establishment of enterprise R&D center and the approval for the establishment of Minister of Science-
Technology.
Jan 2002. The change of company name into LG CNS.
Dec 2005. The completion of MDD framework and the application of System Integration Project.
Sep 2013. The launching of Kakao Pay using the simple payment solution, ‘MPay’.
Jun 2015. The conclusoin of MOU agreement for the online local tax payment with Seoul Special City and Daum Kakao.
May 2016. The establishment of IT sysetm for the internet-only bank, ‘Kakao Bank’.
Nov 2016. The launching of MDD-based next generation system for Gwangju Bank.
Jul 2017. The acquisition of transfer registration for ISO9001:2015.

LG CNS provides comprehensive IT services (for example, the consulting, the system construction and management and
the outsourcing) to domestic and overseas customers based on the understanding of various industries and expertise in
IT field. Responding to the rapidly changing market through the company’s own smart technology-based professional
solutions, it has delivered new business opportunities and values to customers. LG CNS provides industry-specific IT
services. With its own technology and know-how, it helps customers to create the business competitiveness across all
industries (including the public section, the financial section, the high-tech section and the telecommunications section).
Based on its differentiated consulting capabilities, it also offers a variety of consulting services that create excellent value
for customers including the establishment of business strategy, the process innovation and the introduction of latest IT
solutions. It not only provides IT services with a global level of management to various industries, but also contributes
to the success of customer by combining the process of customer business with the smart-optimized platform. LG CNS
provides non-disruptive IT services to protect against the disclosure of customers' critical information assets and realizes a
world-class data center facility and system operating environment for the successful business execution of customers.
-Korea : ‌KAKAO BANK (Financial Institution), Shinhan Bank (Financial Institution), Shinhan Card Co., Ltd. (Credit
Finance Institution), MetLife Insurance (Insurance Financial Institution), PCA Life Insurance (Insurance Financial
Institution), Jeon Buk Bank (Financial Institution), NH Investment & Securities (Security Financial Institution),
Kyobo Life Insurance (Insurance Financial Institution), JB Woori Capital (Credit Finance Institution) and Hyundai
Card (Credit Finance Institution)

LIFE GUIDE Inc.
Representative Im Seon-gyu Incorporation Date Jan 28th, 2016
Location 180, Chilgokjungang-daero, Buk-gu, Daegu, Republic of Korea (Room No. 303, Daegu Smart Contents Commercialization Support Center,Taejeon-dong)
Web Page www.lifeguide.kr E-mail limseonkyu@gmail.com Contact +82-53-216-2586
Enquiry Contact +82-10-6685-4988 Enquiry E-mail limseonkyu@gmail.com
Financial Consulting and Robo-Advisor/ Form of

Main Service Fintech Area B2B/B2C
Consulting Platform Asset Management Business
Introduction
Life Guard Inc. aims to raise awareness of proper consumption habit of public by offering a customized personal financial
management software. It provides a platform that automatically collect, categorize, and analyze a person’s financial data,
which in turn suggests financial planning, product recommendation, and investment strategies. It targets middle class
people below who are at risk of bankruptcies and who worry about their life savings after their retirement.
History
Jan 2016. the incorporation Transition
Jul 2016. the conclusion of agreement for Scraping API with Coocon Inc.
Jul 2016. the acquisition of bigdata analysis technology from Onycom Inc
Jul 2016. Selected as a promising business for NIPA [SW Asset Re-development]
Jan 2017. the conclusion of A.I. technology cooperation agreement with IRIMinds Inc.
Feb 2017. Selected as a promising business for the demonstration project of cloud security (KISA)
Sep 2017. Selected as a promising business for the support of start-up promotion technology development (SMTECH)
Sep 2017. Selected as an occupant company for test bed (KOSCOM Inc.)

Life Guard Inc. is a software company, which provides a convenient financial management tool under the motto to
popularize and generalize personal financial management. It helps clients to easily manage their assets and recommends
the best financial products after the analysis of financial situation. Helping clients to manage assets on mobile devices,
the company offers the customized financial products according to their situation. Its financial management team offers
consulting and advisory services based on the accurate diagnostics and analysis of client’s financial situation. The Financial
Manager of Life Guide is an O2O platform service, which helps clients build smart financial consumption habits and
financial companies to conduct the non-face-to-face sales, respectively. Also, it provides RichLife Service, a web-based
service which can automatically builds financial planning with a single click.
-Korea : ‌Onycom Inc. (Bigdata Analysis), Coocon Inc. (Scraping API), Koscom Inc. (Financial Institution), KTB Solution
(Smart Sign), Samsung Electronics (IT Company), Stealien (Application Tamper Prevention), Ahnlab (Security
Consulting) and SK Infosec (IT Consulting)
176
LINEWALKS Inc.
Representative Jo Yong-hyun Incorporation Date Jan 17th, 2014
Location 74, Sinbanpo-ro 45-gil, Seocho-gu, Seoul, Republic of Korea (Room no. 503, Hwashin Building)
Web Page www.linewakls.com E-mail web@linewalks.com Contact +82-70-7702-3044
Enquiry Contact +82-10-9283-8183 Enquiry E-mail web@linewalks.com
Form of
Main Service MDwalks Fintech Area Others B2B
Business
Introduction
LINEWALKS is a big data system startup company, which provides the machine learning engine to medical, financial
and advertisement industries. Healthcare data for medical field studies millions of medical bills to analyze diagnosis
distribution graphs, medical supply and demand information, and etc. From its machine learning, it connects operations,
treatments, and subscribed medicines to analyze and delivers new expanded information and infographics.
For financial industry, it develops asset management data, credit data, and industry data one step further. It applies
optimized credit analysis model, behavioral data analysis for financial clients group, and industry trend analysis.
For advertisement industry, it offers customer target machine learning engine to maximize profit.
History
Jan 2014. The foundation of LINEWALKS Inc.
Apr 2014. Selected as the cooperation company for analyzing the public data by Health Insurance Review & Assessment
Service
Nov 2014. The registration as a technology commercialization company in Electronics and Telecommunications Research
Institute (ETRI)
Jun 2015. The launching of medical statement big data service, ‘MDwalks’
Apr 2016. Selected as the TIPS business by Small & Medium Business Administration and developed the big-data lake
for the business of medical data
May 2016. Selected as KB Starters Company by KB Financial Group
Dec 2016. The business promotion of informatization strategic business using intelligence information technology by
Health Insurance Review & Assessment Service
Aug 2017. The establishment of A.I. System Enterprise R&D center.

As a big data system development company, LINEWORKS ANALYTICS service provides information on intuitive graphs
extracted from healthcare, finance, and population data. LineWalker, a LINKEWORKS’s big data system, constantly
collects, decomposes, assembles, analyzes, and generates useful data. Medical Cost big data is provided to health care
companies. It is a cost analysis data service for a medical treatment provided to a specific diagnosed patient at a medical
institution at a prescribed medicine and a therapeutic material. It extracts the product list of health care companies
(pharmaceutical companies, medical equipment companies) and analyzes the usage amount and provides market
analysis data of the company from various viewpoints such as classification, year, region, and medical subject. It also
analyzes a data on specific drug use to visualize market size, combined prescription patterns, and patient demand analysis
data.
-Korea : ‌Health Insurance Review & Assessment Service (Government Agency), Electronics and Telecommunications
Research Institute (Public Institution), National Information Society Agency (Government Agency), Korea Internet
& Security Agency (Government Agency), Korea Data Agency (Government Agency), Korea Credit Bureau (Credit
Rating), Johnson & Johnson Korea (Pharmaceutical Company) and KB Financial Group Inc. (Financial Institution)

Loan Point
Representative Lee Gwang-hyeon and Jo Gyu-taek Incorporation Date Aug 19th, 2016
Location 108, Seocho-daero 48-gil, Seocho-gu, Seoul, Republic of Korea (Room No. 301)
Web Page www.loanpoint.co.kr E-mail admin@loanpoint.co.kr Contact +82-2-716-5500
Enquiry Contact +82-2-716-5500 Enquiry E-mail admin@loanpoint.co.kr
Form of
Main Service P2P Security Loan Fintech Area Crowd Funding B2C
Business
Introduction
Loanpoint is a real estate crowd-funding platform that helps small investors who do not have real estate knowledge to
invest and create a return safely. All investment products of Loanpoint are mortgage-backed investment products, and
it only cover real estate and non-performing loan products. In the event of insolvency, it will be sold to the third bond
buyer in accordance with its own insolvency process, or the investment will be protected through forced sales/auction
transaction process. Loanpoint systematically analyzes safety, profitability, and reimbursement possibility by using a self-
developed assessment system, developed by real estate professionals from real estate, auction, and appraisal industries,
and provides only carefully selected investment products. Investments invested through Loanpoint are managed by
Seyitert and SC First Bank. The system is managed by the Ron Point Risk Management Team, which provides follow-up
management from investment execution to repayment.
History
Aug 2016. The foundation of Loan Point Inc.
Nov 2016. The launching of No.3 and No.4 Loan Point service.
Feb 2017. The conclusion of strategic business affiliation MOU agreement with Midrate.
Jul 2017. The conclusion of investment cooperation agreement with Fidelis Asset Management.

Loanpoint provides secure investment and reasonable loan services with real estate insolvency specialists. When a loan
applicant applies for a loan to Loanpoint, the evaluation is performed by a self-assessment system, and the mortgage
evaluation system of the bond purchase guarantor once again determines that the security is secured, then the loan
process is proceeded. If insolvency occurs, the purchase guarantee company buys the bonds at the entire amount of the
principal and all proceeds are distributed to the investors.
Loanpoint invests in mortgage real estate. It invests in real estate collateral bonds secured by security, purchase of bad
debts, and first tier or second tier mortgaged back securities. In case of delinquency, a purchase guarantee company buys
bonds, and Loanpoint distributes purchase proceeds received from purchase guarantee company to investors.
-Korea : ‌Korea P2P Finance Association (Public Institution), Midrate (P2P Loan) and Fidelise Asset Management (Financial
Institution)
178
LOCKIN COMPANY
Representative Choi Myeong-gyu Incorporation Date Sep 16th, 2013
Location 20, Digital-ro 31-gil, Guro-gu, Seoul, Republic of Korea (Room no. 101, Irum Building)
Web Page www.lockincomp.com E-mail lockin@lockincomp.com Contact +82-70-4369-2213
Enquiry Contact +82-10-9420-2190 Enquiry E-mail cwson@lockincomp.com
Form of
Main Service LIAPP - Mobile App Protect Fintech Area Security/Authentication B2B
Business
Introduction
LockIn Company is specialized in mobile security and provides mobile application security solution LIAPP (LockIn
Application Protector, LIAPP). As the importance of an application increasing due to a market where everything is done in
hands, the company focuses on new value in mobile security. It currently protects all smartphones and tablets on Android
operation systems but it will soon begin service to protect iOS operating systems.
History
Mar 2013. The development of mobile solution, ‘LIMO’.
Sep 2013. The establishment of LockIn Company Inc.
Oct 2014. The launching of source code encrypting solution
Jun 2015. The official launching of integrated application security solution, ‘LIAPP Business’
Oct 2015. The attraction of investment from Korea Development Bank
May 2016. Selected as KB Starters Valley
Dec 2016. The award of Grand Prize in ‘Gyeonggi-do Next Startup Award’

LIAAP, an app protection solution provided by Lockin Company, features the simplicity of completing security solution
with just one time upload. LIAAP is designed to provide the right security technology for mobile with the goal of 'the
most secure mobile', and it uses mobile-specific technology to block all malicious hacking for mobile applications. The
company maximizes customer value based on convenient and differentiated technology. LIAAP is specifically focused on
protecting the source code of applications. It encrypts entire source code of the app's key information to prevent leakage
of technology, while blocking the anti-debugging, hacking tool detection, memory protection, forgery and alteration in
real time while the app is running. Even an application is not running, it prevents hacking attempts such as protecting
your library, protecting game engine, and repackaging.
-Korea : ‌KB Kookmin Bank (Financial Institution), SK Telecom (Telecommunication), LG CNS (IT Service), Netmarble (Game
Platform), Korea Financial Telecommunications and Clearings Institute (Government Agency), Hotel Now (Travel
Package Platform), Fujitsu (IT Service), KHNP (Government Agency) and Inter Pay (Payment)

M2Mcoding
Representative Choo Young-ho Incorporation Date Dec 12th, 2015
Location 5, Teheran-ro 44-gil, Gangnam-gu, Seoul, Republic of Korea (9F, Dae-A Building)
Web Page www.m2mi.co.kr E-mail jks@m2mi.co.kr Contact +82-2-537-0063
Enquiry Contact +82-2-538-9696 Enquiry E-mail master@m2mi.co.kr
IT Software Development and Form of

Main Service Supply, Financial Support Service Fintech Area Financial Platform B2B
and Non-face-to-face KIOSK. Business
Introduction
M2MCoding develops and provides a Kiosk non-face-to-face financial platform.
M2MCoding has developed its own Kiosk channel to support the Omni-Channel of financial institutions that can
integrate the role of non-facing channels centered on Internet and mobile as well as existing face-to-face channels.
It provides non-face-to-face blindness verification and unmanned automated equipment services to various financial
institutions. It provides Kiosk-based non-face-to-face financial services through collaboration with savings banks.
History
Dec 2015. The foundation of M2Mcoding
Jan 2016. The development of non-face-to-face self-identification and self-certificate solution
Feb 2016. The conclusion of liability insurance agreement using non-face-to-face real name authentication with Meritz
Fire & Marine Insurance
Jun 2016. The completion of KIOSK installation
Oct 2016. The development of customized solution for savings bank.
Nov 2016. The conclusion of operation and administration agreement for the manless financial automated equipment
with financial companies
Dec 2016. The launching of KIOSK-based non-face-to-face financial service for the cooperation with savings Bank

M2MCoding introduces the real name verification service through Kiosk terminal.
M2MCoding kiosk effectively combine the characteristics of offline channel visibility and online channel convenience.
Kiosk sells and provides financial products with speed, simplicity and security. In addition to future financial product
channels, it will provide diverse contents and services by linking with affiliates through the nationwide network of kiosk.
The non-face-to-face authentication solution of M2MCoding is divided into four kinds;ID verification, biometrics, mobile
phone authentication, and account authentication of the user’s name. Identification check scans your resident registration
card or driver’s license information to verify authenticity. Biometrics compare fingerprint information of resident
registration symptom with user fingerprint to determine whether or not he or she is the matched person. The mobile
phone authentication is performed by inputting the mobile phone number and the date of birth of the user name, and
it authenticates the mobile phone identity by confirming the received authentication number. After confirming that the
account is normal and active, the account authentication is completed by the user’s small amount of money transfer.
M2MCoding supports complex services such as checking the weather, searching for lost children, living convenience, etc.,
in real-time. It also provides advertising solutions. Depending on the characteristics of the kiosk installed and operated in
the floating population, the kiosk itself exhibits the advertising effect.
-Korea : Meritz Fire & Marine Insurance (Comprehensive Property Insurance) and Kim & Chang LLC (Legal service)
-Foreign Countries : Focus Company (Market Research)
180
Madup Inc.
Representative Lee Ju-Min Incorporation Date Feb 3rd, 2015
Location 115, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (8F, Seorim Building)
Web Page www.madup.com E-mail webmaster@madup.com Contact +82-1522-1060
Enquiry Contact +82-10-6338-1041 Enquiry E-mail edgar@madup.com
Mobile Marketing, Data Form of

Main Service Fintech Area FInance Platform B2B/B2C
Analysis and Chatbot Business
Introduction
Mad-Up is a marketing company derived from a phone application established in 2011. It supports optimal solution based
on accurate analysis stem. With a technology in chatbot and artificial intelligence, Mad-Up develops a solution that helps
users decide financial decision, illustrates optimal marketing solutions, and analyzes data through various analytic tools.
Mad-Up developed a ‘PinCat,’ a mobile financial service which locked screen contains useful financial headlines and
ionformation and offers membership points service, personal financial service, and a advertisement platform for
advertisers.
History
Feb 2015. The establishment of Madup.
Nov 2015. The opening of advertisement service.
Nov 2015. The launching of lockscreen-based credit card milleage application.
Nov 2016. The development of Finket Chatbot service.
Dec 2016. The conclusion of agreement for the point transfer with Hana Members Co.
Aug 2017. The conclusion of business agreement for the integrated chatbot system.

Mad-Up develops solutions specialized in financial and advertising sectors. It is introducing a personal financial curation
platform based on finance and advertising points. It integrates individual credit card points and various advertisement
points generated from the lock screen to provide various products. In collaboration with Microsoft, the company
developed 'Ketbot', a customer-response chat service based on artificial intelligence. The company is building a new
financial curation platform that leverages business analytics and data scientists, engineers and machine learning with
data based on the marketing and behavior analysis of fintech users. In the chatbot system integration area, it is planning
and developing the prospective customer and close customer management system by winning the project of Juvis, a
healthcare specialist. Mad-Up has mobile marketing technology and has rich experiences in analysis. It specializes in KPI-
based marketing such as downloading financial applications and issuing non-face-to-face cards. It also provides analysis
of mobile marketing big data such as financial app reviews, star ratings, downloads, and subscriptions. It also serves as
an optimal route to advertising costs by identifying advertising networks and media that are appropriate for the financial
sector. In addition, O2O marketing will be conducted.
-Korea : ‌Hana Members Co.

Makestar Inc.
Representative Kim Jae-myeon Incorporation Date Jan 14th, 2015
Location 306, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (8F, KITE TOWER)
Web Page www.makestar.co E-mail contact@makestar.co Contact +82-2-6959-2076
Enquiry Contact +82-10-9280-1013 Enquiry E-mail oh@makestar.co
Form of
Main Service Makestar Fintech Area Crowd Funding B2C
Business
Introduction
Makestar provides a rewarding crowd-funding service focused on Entertainment industry. Targeting global users, it allows
investors to achieve various Star projects and it also supports to have special memories with Hanryu celebrities. Makestar
receives interests from over two hundred countries across the globe and received the payment from 91 countries. It
has changed the ecology of entertainment industry by not only showing new experiences to clients but also offering
new funding sources and global marketing tools to businesses. By close cooperation with local contents production
companies and agencies, it continuously special proejcts that celebrities and fans can achieve a goal together.
It was selected as the Global Foundation Revitalization Project in 2015 and attracted investments from Es Investor.
History
Jan 2015. The foundation of Makestar Inc.
Feb 2015. The attraction of seed money investment (600,000,000 Won) from Coolidge Corner Investment Co.
May 2015. Selected as the Global Foundation Revitalization Project (Small and Medium Business Administration)
Aug 2015. The acquisition of Venture Company Certificate
Dec 2015. The launching of Global Entertainment Crowd Funding Platform, “Makestar”.
Dec 2016. The attraction of 1 billion won investment from ES Investor

Makestar Inc. is introducing a crowd-funding service that allows users to participate in entertainment contents projects.
Cultural content crowd-funding service is designed to allow participants to participate in the whole process of creating a
star closely and directly. The project for the star maker begins with selecting a favorite project among the various funding
projects listed on its website. In order to become an honorary producer of one’s favorite star, one decides on the reward
one wants to receive and finishes the project participation during the project period. In order to make the participation
project successful, it is recommended that the project be widely known to the acquaintances through SNS sharing,
etc., and if the achievement of the total funding goal is achieved, the project will succeed. As the project progresses,
the participant is an honorary creator and can receive various contents such as various images, photos and news.
Makestar's Content-Participating Crowd-funding is gaining worldwide acclaim as its customers participate in content and
merchandise planning.
-Korea : ‌Korea Entertainment Producer’s Association (Entertainment Production Support), Korea Entertainment Schedule
Manager Association (Entertainment Management Support), DSP Entertainment (Entertainment Company),
S.M. Entertainment Co., Ltd (Entertainment Company), YG Entertainment Co., Ltd (Entertainment Company),
Koenstars Co. (Entertainment Company), Well Made (Entertainment Company), JJ Holic Media (Entertainment
Company), IHQ Inc (Entertainment Company) and Cube Entertainment Inc (Entertainment Company).
182
Mannercar
Representative Im Jin-gyu Incorporation Date Aug, 2015
Location 20, Daedeok-daero 512beon-gil, Yuseong-gu, Daejeon, Republic of Korea
Web Page www.mannercar.com E-mail mannercar@mannercar.com Contact +82-1800-8129
Enquiry Contact +82-10-9411-8118 Enquiry E-mail jingyuni@naver.com
Form of
Main Service Direct Sale Service of New Car Fintech Area Financial Platform B2B
Business
Introduction
Manner Car provides services that solve issues resulted from asymmetric information that arises in the process of using
automobile financial products. The automotive aftermarket starts from the fact that the complicated rebate problems
among stakeholders are intertwined, so that transparent automobile transactions become possible from eliminating
complicated distribution processes. Manner Car combines vehicle purchase information, credit information, and discount
information in a non-face-to-face manner to provide vehicle on demand services. Manner Car is creating a transparent
car trading culture by reducing the bubble of car prices through competitive bidding between car dealers and by not
receiving transaction fees for both customers and dealers.
History
Aug 2015. The establishment of Mannercar.
Aug 2016. Selected as the 1st Wibee Fintech Lab by Woori Bank.
Nov 2016. Selected as the startup customized support business.
Feb 2017. Selected as the new export commercial business (KOTRA)
Apr 2017. Selected as the 1st BNK Creative Lab and the conclusion of MOU agreement.
May 2017. Selected as the JUMP-UP support business.
Jun 2017. The transfer into Mannercar Corp.

Manner Car is a direct deal service company that enables customers and dealers to solve the asymmetry of pricing
information and financial information that occur during the face-to-face process based on quote solutions and credit
information analysis. Manner Car Direct Deal service is a free service method of dealer bidding. When a new car purchase
is requested, the lowest price quotation is calculated through price competition between dealers. Matching group (new
car dealers and used car dealers) through comparison competition, the company supports the purchase of new car at
the lowest price, and the selling of 'my car' at the highest price. Matching quote is based on the fact that new car dealers
have to sell cars and used car dealers have to buy vehicles so that customers can trade cars on optimal terms due to the
interests of the two dealers. Special discount car service is also provided. It provides real-time disclosure of inventory
status and discounts by each salesman, helping customers purchase more vehicles more efficiently.
-Korea : ‌BNK Financial Group (Financial Institution), BNK Capital (Financial Institution), Meritz Fire & Marine Insurance
(Financial Institution), Small and Medium Business Administration (SME Support), Daejeon Information & Culture
Industry Promotion Agency (Cultural Industry Support), Woori Bank (Financial Institution) and Smart Venture
Institute (Venture Opening Support)
-Foreign Countries : ‌BNP Paribas Cardif Insurance (Financial Institution).

Mibank
Representative Go Yong Incorporation Date Nov 12th, 2014
Location 2, Toegye-ro 36-gil, Jung-gu, Seoul, Republic of Korea
Web Page www.mibank.me E-mail contact@mibank.me Contact +82-2-2273-1375
Enquiry Contact +82-2-2273-1375 Enquiry E-mail contact@mibank.me
O2O Airport Exchange and Form of

Traveler’s Insurance Business
Introduction
Mibank has established the platform under the goal, “Making uncomfortable financial service more convenient and
easier”, so that clients can use financial services without any problems. Providing the currency exchange comparison
platform for 3 years, the company has hold unique place as the first real-time model to compare the exchange rate of all
Korean banks and main exchanges, expanding the types of foreign currencies through O2O Airport Exchange Service
and offering the benefit of lower exchange rates and convenient services to foreign tourists. Also, it leads the domestic
market by releasing the traveler insurance for foreign tourists; business has been advanced to P2P loan service and it
offers various types of insurance products. It has patents on global remittance and currency exchange platform and also
22 other patents globally.
History
Nov 2014. The establishment of Mibank Inc.
Jan 2015. The launching of real-time exchange rate platform.
Aug 2015. The launching of O2O Airport Exchange Service.
Aug 2015. The launching of traveler insurance without public certificate.
Oct 2015. The application of patent for the global remittance based on the exchange and the platform
May 2017. The acquisition of 22 patents (18 at home and 4 abroad)
Jul 2017. The registration of patent for the exchange platform based on the appointed exchange rate.

Mibank is introducing a variety of financial products in sequence, starting with exchange rate related services for easy
and convenient financing. Under the philosophy of making every field of finance easy to use, the first project, currency
exchange service have been launched. The company is increasing its offerings of services such as deposit, loan, peer
to peer (P2P). The exchange rate comparison platform compares the exchange rates of all domestic banks and major
exchange rates in real time. The O2O Airport Exchange Service, which delivers foreign currency directly to Incheon
International Airport, provides convenient and cheap exchange rate benefits to travelers. The company has also launched
deposit and loan rate comparison services covering banks and local credit unions. It also provides stable and profitable
P2P investments through short-term investments and P2P lenders for urgent micro-borrowers.
-Korea : ‌Shinhan Bank (Financial Institution), BNK Busan Bank (Financial Institution), KB Kookmin Bank (Financial
Institution), Jeon Buk Bank (Financial Institution), Suhyup (Financial Institution), KDB Industrial Bank (Financial
Institution), IBK Industrial Bank (Financial Institution), NH Nonghyup Bank (Financial Institution), Woori Bank
(Financial Institution) and KEB Hana Bank (Financial Institution)
184
Midrate
Representative Lee Seung-hang Incorporation Date Feb 26th, 2016
Location 66, Eulji-ro, Jung-gu, Seoul, Republic of Korea (14F, Hana Financial Group)
Web Page www.midrate.co.kr E-mail contact@midrate.co.kr Contact +82-2-546-4076
Enquiry Contact +82-10-3465-3656 Enquiry E-mail edwardshin@midrate.co.kr
Form of
Main Service P2P Loan-Investment Fintech Area P2P Finance B2B/B2C
Business
Introduction
Midrate is a P2P financial company to connect individuals. It provides middle-interest rate financial services, which
combine P2P business models with fintech technologies, that borrowers and investors can be offered the middle-interest
loan and alternative investment products even in the low-interest situation, respectively. In addition to P2P financial
services, the company offers Integrated P2P Schedule Management System ‘ByAllRate’ andP2P Reward Market ‘Lavender’
in order to raise the convenience of users.
History
Feb 2016. The foundation of Midrate Corp.
Apr 2016. The Introduction of P2P financial open API.
Feb 2017. The conclusion of business cooperation agreement with Shinhan Card Co., Ltd. (Network Connection with
Loan Failed Clients)
Apr 2017. The joint development of third-party API for the P2P fund management.
Jun 2017. The co-foundation of Real Estate NPL Purchase Corp. (Korea Platform Association Asset Loans)
Aug 2017. The launching of Integrated P2P Schedule Management System, ‘ByAllRate’.
Sep 2017. The launching of P2P Reward Market, ‘Lavender’.

Midrate provides both lending and investment services through P2P financial services. The company offers a variety
of products and investment yields to help customers choose their preferred products and yields according to their
tendencies. Midrate is adopting a rational screening algorithm. Based on the NICE credit rating agencies' basic credit
rating and delinquency information, it is possible to calculate the availability of the loan and the bad credit condition, and
the 21-point credit rating according to the mid-rate algorithm allows for more reasonable final loan rates and conditions.
In the case of individuals, small business owners and real estate loans, it is possible to lower borrowing barriers and
provide easy-to-access interest rates, and to match the big data of loan products and investors to obtain lower interest
rates and reasonable ROI. 'ByAllRate', which manages the P2P redemption schedules that are scattered, and 'Lavender'
system, which is an open market for P2P product rewards are also offered to improve users’ convenience.
-Korea : ‌NH Nonghyup Bank (Financial Institution), Shinhan Card Co., Ltd. (Financial Institution), Korea Credit Bureau
Corp. (Credit Rating), NICE Information Service Co., Ltd. (Credit Rating), Welcome Savings Bank Corp. (Financial
Institution), Korea Fintech Industry Association Corp. (Fintech Company Support), Korea P2P Finance Association
Corp. (P2P Company Support), Korea Technology Finance Corporation (Public Institution), FINDA Inc. (P2P Loan),
and Korea Venture Business Association Corp. (Venture Company Support)

MOBITLE
Representative Lee Gul-woo and Park Hoon-jun Incorporation Date Jan 20th, 2011
Location 2183, Nambusunhwan-ro, Seocho-gu, Seoul, Republic of Korea
Web Page www.zummaslide.com E-mail gwlee@mobitle.com Contact +82-2-583-7739
Enquiry Contact +82-2-583-7739 Enquiry E-mail gwlee@mobitle.com
Form of
Main Service Zummaslide Fintech Area Others B2B/B2C
Business
Introduction
Mobitle provides a service connecting small businesses and the residents of neighboring apartment. ‘ZoomMaSlide,’ a
mobile application launched by Mobitle, offers more profit to the small businesses and less apartment maintenance costs
to customers who use small businesses through the application.
‘ZoomMaSlide’ is a local advertisement platform, which links apartment maintenance bills to the app, and provides sales,
advertisement, and simple payment system. It made contracts with KB Kookmin Bank, KB Kookmin Card, and Shinhan
Card to expand their services.
History
Jan 2011. The foundation of MOBITLE
2012. The sales of application production platform in Japan.
2013. The launching of list-typed application advertisement platform service.
2015. The conclusion of MOU agreement with KB Kookmin Bank and JAY (Jeonguk Apartment Yeonhaphui).
2016. The conclusion of MOU agreement with KB Kookmin Card and Shinhan Card respectively.
2017. The conclusion of business cooperation agreement with KONAI, the conclusion of strategic cooperation
agreement with Kodak and selected as the commercialization package business for Korea Institute of Startup
& Entrepreneurship Development.

ZoomMaSlide, developed by Mobitle, serves as a bridge connecting residents and local merchants centered on
apartments. First-come, first-served coupons on the first screen of the ZoomMaSlide application contribute to two-
way communication with customers. Local small business owners can improve sales, and members who use them can
save money on apartment management fees by making reserves. The reserves to reduce the apartment management
fee is designed to allow the whole family as well as the housewife to participate. ZoomMaSlide has a way to unlock the
app by sliding it to the side and users can earn Zoom Money. One can also get neighborhood shopping information,
get local restaurants, shopping mall benefits, and event information. One can earn Zoom Money by using an affiliate
store, and one can purchase a product at a discount price at a separate ZoomMa shopping corner. Mobitle supports the
service through various financial services such as check card, mortgage, account transfer and others. In future it will pan
to expand its service by supporting automatic gas transfer, local special marketing and payment through registered card
through partner credit card
-Korea : ‌KB Kookmin Bank (Financial Institution), Shinhan Card (Financial Institution), OK Cashbag (Service), KONAI (IT
Company), Korea Institute of Startup & Entrepreneurship Development. (Startup Support) and Hana Members
Co. (Membership)
186
MOIN, Inc.
Representative Seo Il-Seok Incorporation Date Mar 21st, 2016
Location 22, Seocho-daero 78-gil, Seocho-gu, Seoul, Republic of Korea (Room No. 613, Hongu 2 Building)
Web Page www.themoin.com E-mail info@themoin.com Contact +82-70-5089-2017
Enquiry Contact +82-10-5382-5878 Enquiry E-mail sunghyun.hur@themoin.com
Form of
Main Service Moin Overseas Remittance Fintech Area BlockChain B2B/B2C
Business
Introduction
The Moin was established in order to provide solutions of problems of existing overseas remittance services. The Moin
provides fast, safe and inexpensive service by developing automated overseas remittance system based on block-
chain. It provides more convenient services for users anywhere and anytime because not only it adopts a transparent
and simple remittance structure so that a user can know moving route of remittance easily but also provides web and
mobile platforms. Based on this competitiveness, the company is currently providing its service to China and Japan and
plan to launch it in south-east Asia region within this year. Finally, the Moin will expand services to all over Asia and be
the representative remittance company of Asia by developing mathematically fully optimized algorithm for overseas
remittance.
History
Feb 2016. The award of Demoday hosted by Banks Foundation for Young Entrepreneurs
Mar 2016. The incorporation of MOIN Inc.
Oct 2016. The service launching for Japan Remittance
Nov 2016. The participation of Web Summit 2016 and Selected as Top 15 in the G-Startup Worldwide Seoul
Nov 2016. The service launching for China Remittance
Jan 2017. The launching of MOIN Android Application / Mobile Web
Mar 2017. The participation of 2017 FIBC (Financial Innovation Business Conference)2017 FIBC (Financial Innovation
Business Conference)
May 2017. The launching of MOIN iOS Application
Oct 2017. The award of the Grand Prize in the Hankyung Fin Tech

The Moin introduces a specialized service for overseas remittance. The differentiation of overseas remittance services
is fast, cheap, easy, and simple. Overseas remittance fees are up to 80% cheaper than existing bank services, and the
transferring speed is fast, on average, within one day. The overseas remittance process of existing banks is characterized
by its long period of time to complete and high commissions. However, it is advantageous that the remittance time is fast
and the commission is cheap because the overseas remittance of the group does not go through the intermediary bank.
One can send money anywhere, anytime online without going to the bank. The gathered services are also competitive
in user interface and user experience. It offers optimized services for online and mobile applications and is easy to apply.
Also, transparency will be maintained by disclosing the exact amount of the receipt in advance. A notification message
is sent when the money is deposited in the receiving account so that both the sender and the receiver can be relieved.
It also has a thorough security system. It is based on safety-guaranteed block-chain technology, and all information is
encrypted to increase reliability.
-Korea : ‌D.CAMP (Youth Startup from banks), Capstone Partners, Bokwang Venture Investment (Startup Investment)
and Daily Financial Group (Financial Institution)
-Foreign Countries : ‌Strong Ventures (Venture Company Support)

MoneyBrain
Representative Jang Se-yuong Incorporation Date Jul 1st, 2016
Location 5, Nambusunhwan-ro 289-gil, Seocho-gu, Seoul, Republic of Korea (1F, Samyoung Building)
Web Page www.moneybrain.ai E-mail sales@moneybrain.ai Contact +82-2-858-5683
Enquiry Contact +82-10-6662-4995 Enquiry E-mail com2best@moneybrain.ai
Athena, Play Chat and Delivery Form of

Yum Yum Business
Introduction
MoneyBrain is a specialized firm in developing and delivering chatbot services using artificial intelligence. MoneyBrain
introduces Athena, a corporate chatbot platform, and Playchat, a consumer chatbot platform. It is building corporate
chatbots in the fields of shopping, medical, and public as well as financial institutions. MoneyBrain, which was established
in July 2016, is increasing its presence in the banking sector by offering chatbot services to the NACF and Shinhan Card.
In 2017, it attracted investment from L & S Venture Capital.
History
Jul 2016. The establishment of Money Brain Inc.
Oct 2016. The launching of Financial Bot for NH Nonghyup Bank.
Nov 2016. The launching of A.I. delivery chatbot, 'YamYam', service.
Apr 2017. The launching of PLAYCHAT platform
Jul 2017. The launching of Chatbot for Shinhan Card.
Jul 2017. The attraction of 1.5 billion won investment from LNS Venture Capital
Aug 2017. The attraction of 0.5 billion won investment from Donghun Investment.

MoneyBrain offers a variety of services through its own developed chatbots. MoneyBrain's chatbots have built a service
based on natural conversations. It supports business by asking questions in a natural language rather than asking
commands. Artificial intelligence assistants provide services without the need to find complex menus. It takes the method
of learning from continuous conversations by using artificial intelligence technology. Unlike former chatbot services based
on simple pattern matching, the company applied artificial intelligence learning to improve the quality of conversation as
the service continues. It also handles tasks in conjunction with existing systems. Based on various applications, it has built
a business-based chatbot. It can be applied to various messaging platforms such as KakaoTalk, Line, and Facebook by
configuring one chatbot scenario, and it provides API that can be applied to own app.
MoneyBrain supports interactive business services, product recommendation, and customer service through chatbot
services. It provides chatting services such as inquiries, orders, and reservations that were previously provided through
online or apps for only giving information. It is used as an artificial intelligence service agent that is used not for simple
guidance but for business processing. In case of product recommendation, the chatbot runs the product guidance service
that the professional counselor previously used, and if necessary, connects with telephone consulting or apps to continue
the follow-up process. In addition, 24-hour real-time automated response provides automated response from basic
guidance to complex customer interaction.
188
Moneytag Inc.
Representative Yang Yong-seok Incorporation Date Aug 28th, 2015
Location 20, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (11F, Yulchon Building)
Web Page www.moneytag.net E-mail swcho@moneytag.net Contact +82-1544-9350
Enquiry Contact +82-10-6239-6913 Enquiry E-mail swcho@moneytag.net
Form of
Main Service ReLe Transfer Fintech Area Payment/Settlement B2C
Business
Introduction
Moneytag Inc.started from the intrapreneurship department in Finger Inc. and became an independent corporation as
a subsidiary company of Finger Inc. on Aug 2015; it offers various professional services based on financial IT technologies
and solutions to international markets including block chain-based overseas remittance, electronic financial businesses (for
example, virtual account), tax refund, C2C e-commerce and others. In October 2017, it started to provide a remittance
service to Vietnam.
History
Aug 2015. The foundation of Moneytag Inc.
Aug 2015. The conclusion of fintech mentoring agreement with Nonghyup Bank
Nov 2015. The conclusion of international financial business cooperation agreement with UNITAS
Nov 2016. The co-foundation of block chain-specialized company, “EX CHAIN”, with Fly High Inc.
Jan 2017. The conclusion of MOU agreement for the realization of stable services including AML with GRC Lab.
Sep 2017. The development of overseas remittance application, “ReLe Transfer”.
Oct 2017. The launching of Vietnamese remittance service through ReLe Transfer.

Moneytag Inc. offers a global remittance service. Through the 'ReLe Transfer' service, which is an overseas remittance
service, it is possible to conveniently and cheaply send small amount of overseas remittance by using smart phone
anytime and anywhere without visiting the bank. ReleTransfer is a secured overseas remittance service that is officially
licensed by the government under the Foreign Exchange Transactions Act. The first overseas remittance country is
Vietnam. Moneytag Inc. is conducting international remittance services to the financially underprivileged people. It is
because people in many countries still have no access to use banks. Rele Transfer can remit money even if the recipient
does not have a bank account. Finger, the parent company, leverages bank-level security compliance capabilities that have
accumulated over the past 15 years providing the bank's diverse financial services. It also uses the solutions of Unitas
GRC Labs to protect financial risk and compliance with anti-money laundering and anti-terrorism funding prohibitions.
The company abides by global bank level standards of risk and compliance.
-Korea : ‌Finger (Financial Solution), NH Nonghyup Bank (Financial Institution), UNITAS (IT Company) and Fintech (Others)

Mother Teran Inc.
Representative Yang Sung-hong Incorporation Date Nov 10th, 2015
Location 13, Heungdeok 1-ro, Giheung-gu, Yongin-si, Gyeonggi-do, Republic of Korea (Room No. 1207-4, Tower)
Web Page www.motherteran.com E-mail Lonestar33@nate.com Contact +82-31-896-5555
Enquiry Contact +82-10-8691-3365 Enquiry E-mail Lonestar33@nate.com
Form of
Main Service NFC Payment Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Motherteran is a payment service provider using short distance NFC and it aims to connect all small businesses online
through NFC. It supports offline small business to be connected to online market to creat new values and become smart
stores.
It holds the patent to complete the settlement by the touch of NFC terminal without executing any application; the
payment completes by touching NFC terminal for the micro payment below 30,000 Won and by getting push message
and executing the application for the payment above 30,000 Won. With its solution, it is possible to pay all through one
NFC terminal; one will process all payment program through one NFC terminal, as one can use all services from 10 card
corporations through one credit card terminal. Now, the company have supplied over 100,000 NFC terminals and will
popularize low-priced NFC readers to create the ecosystem of NFC payment platform in near future.
History
Nov 2015. The foundation of Mother Terran Inc.
Mar 2016. The development of simple payment service on the line.
May 2016. The test of simple payment service test on the line with LG PAYNOW
Nov 2016. The application of patent for the NFC payment method without executing any application.
Jun 2017. The conclusion of joint business agreement with the first Korean sign-pad company.
Oct 2017. The development of telecommunication payment solution without executing any application through Korea’s
No.1 micro payment corporation

Motherteran Inc. is offering a smart payment platform, 'Izen Touch'. It is an electronic wallet based on the patented
technology, which can perfectly replace plastic cards, using a smart phone. One does not have to install an additional
application; it can make payment with a single touch, not a barcode nor QR code. Also, one can accumulate and use
points. It works with all kinds of pay services and point cards already released in the market, and it also supports the
micropayment. For the small payment of less than 30,000 KRW, payment is made by simply touching it with the NFC
terminal; for the payment of over 30,000 KRW, the push message is showed to execute the application and then
complete the payment. Now, ‘Izen Touch’ is fully responsive to the security. Even if one loses his/her cell phone, there
is no fear of any problem due to additional security services, including the pattern and the fingerprint. In addition, the
encryption works automatically by touching it with the terminal, which ensures higher security than that of existing credit
cards.
-Korea : ‌Shinsegae (General Merchandising), GS Supermarket (Distribution Industry), CU (Distribution Industry),
Shinsegae Duty Free (Duty Free Shop), Tony Mori (Cosmetics), BNK Busan Bank (Financial Institution), Everland
(Amusement Park), E-mart (Distribution Industry), Mischa (Cosmetics) and Skin Good (Cosmetics)
190
Mouda
Representative Jeon Ji-seon Incorporation Date Jun 9th, 2016
Location 22, Nonhyeon-ro 85-gil, Gangnam-gu, Seoul, Republic of Korea (Room No. 602, DongGyeong Building)
Web Page www.mouda.kr E-mail hello@mouda.kr Contact +82-2-6012-1955
Enquiry Contact +82-2-6012-1955 Enquiry E-mail hello@mouda.kr
Medical-specialized P2P Form of

Finance Business
Introduction
Mouda is a P2P (Peer to Peer) financial platform specialized in medical field. The company consists of data analysts, IT
professionals, financial and legal experts. The P2P platform is developed based on game theories (dynamic negotiation
theory and information asymmetry theory) and statistics on simulations and public polls. Loans are based on rejected
data, which is 10 times more than approved data, and are making sophisticated algorithms by adding unique machine
learning techniques. Mouda proceeds with lending to doctors and clinicians and constructs them as investment products.
It has established a network of hospitals in cooperation with Mouda's shareholders specializing in hospital consulting,
and it is continuing to expand into the medical industry's first and representative P2P platform. On December, 2016,
the company released the first product of its local doctor's primary health care product, and it is steadily introducing the
medical law related product which lends to the local medical doctors and the medical corporations which lend to the
local medicine clinic. In 2016, it won the Korea Best Brand Award.
History
Jun 2016. The foundation of Mouda Inc.
Sep 2016. The registration as a regular member in Korea P2P Financial Association.
Oct 2016. The award of Grand Prize in the Korea Best Brand Contest
Jun 2016. The application of P2P financial investment deposit management API for NH Nonghyup Bank.
Jul 2017. The conclusion of strategic cooperation agreement with Midrate Corp.

Mouda, which is the first medical specialist P2P platform in Korea to support investors and lenders, carefully selects only
highly reliable investment products for doctors and medical clinics. It provides loans and investment products based on
short-term funds demand from doctors in a network with good cash flow and close network, so that physicians who
need funds can easily make short-term funds available, and investors who are seeking medium return with medium risk.
Mouda's services are designed to be optimal for the physician. The company will continue to communicate with various
practitioners and research for more realistic and practical products. The company is committed to provide investment and
loan processes with easier and safer programs. By leveraging innovative information technology in response to a rapidly
changing financial environment, Mouda is able to make instant investments and loans anytime, anywhere. Mouda will
analyze the medical industry, data analysis, finance, law and thus It thrives to provide tailor-made investments in various
P2P products that can be safely invested in small amount and short term in the low interest rate era. Most of all, Mouda
is trying to construct financial products that satisfy both borrowers and investors.
-Korea : ‌Korea P2P Finance Association (P2P Company Support) and Midrate (P2P Loan)

NARAE S&C
Representative Park Seuk-jun Incorporation Date Oct 7th, 2014
Location 30, Gasan digital 1-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No. 711, Ace High End Tower 10(sip)-cha)
Web Page www.happymaku.jp/main E-mail ohs@naraesnc.com Contact +82-2-2268-3399
Enquiry Contact +82-2-2268-3399 Enquiry E-mail ohs@naraesnc.com
Form of
Main Service AdCup and others Fintech Area Financial Platform B2B/B2C
Business
Introduction
Narae S&C has developed and managed B2B and B2C e-commerce platforms for companies and individuals seeking
to enter the Japanese market. Narae S&C targets Korean manufactures and shopping mall owners who wish to enter
Japanese market by providing an editable website platform by users, direct overseas delivery service, Japanese translation
service, and email & telephone service. In 2015, Narae S&C opened a direct sales website for paper cups in Japan to
witness potential growth market in Japan. Its direct hands-on experience and localized independent market allows it to
pioneer the market with diversified small sized produced products without having a manufacturing facility.
History
Oct 2014. The foundation of NARAE S&C Co.
Apr 2015. The launching of internet shopping mall platform service for overseas direct sales.
Oct 2015. The open of website (adcup.jp)
Jan 2016. The conclusion of business cooperation agreement with ‘TPS’ in Japan
Mar 2016. The launching of direct delivery service in Japan
May 2016. The open of website (happymaku.jp)
Oct 2016. The open of website (happymall.jp)

Narae S&C operates as supporting domestic companies and individuals who wish to expand their business into Japanese
market. Narae S&C’s global direct shopping mall platform provides unlimited products upload, user reviews, shopping
cart functions, and its web contents and picures are freely editable by clients. It developed to offer ready-made products
as well as custom-made products.
It is renowned as a successful example that a small quantity batch production by customer order bases in paper cup direct
sales in 2015 has succeeded. It adopted Japanese shopping mall style from domain, language, payment, and delivery
system that are hardly distinguishable by any Japanese shopping mall. In order to achieve same level of localized system, it
uses Ticoon platform.
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Neuro Associates Co., Ltd.
Representative Kim Yun-i Incorporation Date Dec 10th, 2012
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (18F, Three IFC, IFC Seoul Center)
Web Page www.neuroacs.com E-mail consulting@neuroacs.com Contact +82-2-6297-2013
Enquiry Contact +82-2-6297-2013 Enquiry E-mail consulting@neuroacs.com
Data Visualization, UX Form of

Main Service Development, Fintech Area Others B2B
Data Analysis Education Business
Introduction
Nuero Associates Co. Ltd offers digital strategies, and data applications to support global growth and impact of clients.
It started off as a consulting firm for data analysis and business improvement, then it created IRMI (Interactive Real-
time Motion Infographics) category, then it became a leader in data design field. Through its vision as digital innovation
around human, it leads a market by a successive digital transformation by creating many case for government agencies
and companies. Its main business include digital strategy marketing, data software development and supply, visual web
design development, and digital education. Recently, it strengthens in AI consulting business.
History
Dec 2012. The foundation of Neuro Associates.
July 2015. The Incorporation Transition - Neuro Associates Co., Ltd.
Aug 2015. Transferred into an affiliated company of Yello Financial Group Co., Ltd. (Current Daily Financial Group Co.,
Ltd.)
Jan 2017. Changed from Daily Financial Group Co., Ltd. into an affiliated company of Daily Intelligence Co., Ltd.

‘Interactive Real-time Motion Infographics’, a data visualization service provided by Neuro Associates, is a web-based
infographic technology that provides users with various interactive contents based on real-time updated data. It provides
data visualization optimized for planning direction, implementation method and consumption channel.
Through data-based consulting, the company enables organizations and corporations address future-oriented issues. It
provides specific ways for a variety of goals, from new business ideas to marketing promotion, training and conference
operations. In addition, the company carries out educational projects to nurture professional manpower based on data
related business experience. It conducted all the process from the curriculum production to the actual education for the
Korea Information Society Agency and Seoul Industry Promotion Agency.
-Foreign Countries : ‌IBM (Technical Consulting)

NEWSY STOCK Inc.
Representative Moon Hong-Jib, Moon Kyung-Rok Incorporation Date Jun 13th, 2011
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul (19F, Three IFC, IFC Seoul Center)
Web Page www.newsystock.com E-mail Ryan.moon@newsystock.com Contact +82-2-3775-0128
Enquiry Contact +82-10-8884-1909 Enquiry E-mail Ryan.moon@newsystock.com
Form of
Main Service GenPort Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
NEWSY STOCK Inc. launched first robo-advisor service in 2012. It provides algorithm based investment service created
by financial IT specialists with experiences from Korea and China region and it thrives to create an environment where
an individual can profit from financial investment. It offers simple and secure way of investment strategies. By offering
systemized analytics and majority knowledge, it helps users to make a better decision in stock investing.
History
Jun 2011. The incorporation of Newsy Town Inc.
Nov 2011. The change ofcompany name into Newsy Stock Inc.
Apr 2012. The launchingo of Newsy Rank Service
2014. The conclusion of service cooperation agreement with Kiwoom Securities Co., Ltd. and Ebest Securities Co.,
Ltd.
Feb 2015. Merged with Daily Financial Group Inc. (former Yellow Financial Group)
Jan 2017. The service launching of GenPort 2.0
Jan 2017. Selected as one of the top 10 fin tech companies by Tech Bullion in British
Sep 2017. Selected as one of the top 10 fin tech companies by Fintech News in HongKong

NEWSY STOCK Inc. released ‘GenPort,’ a robo-advisor service, which provides a customized services to each client within
the framework of customization and automation by analyzing investment types and mapping the strategy of portfolios.
For aggressive type of investment (Stock type), it sets up customized and automated algorithm to manage a portfolio
using ‘GenPort.’ For risk averse type of investment (ETF type), it offers asset allocation service using domestic ETF. For
hybrid type of investment, depending on risk adaptability, it allocates different ratios of stock type and EFT type, then it
manages sequentially using ETF asset allocation and GenPort.
GenPort is a tool for algorithm simulation comprised of a simulation engine that each user can utilize own strategy into
algorithm and GenMarket where one can compare and adopt already made algorithms. GenAA, an ETF asset allocation
service, assist users to invest more stably by setting up different ratios of ETF asset allocation after analyzing each user’s
investment type.
-Korea : ‌Korea Investment & Securities Co., Ltd. (Financial Institution), Kiwoom Securities Co., Ltd. (Financial Institution),
KB Securities Co., Ltd. (Financial Institution), DAISHIN SECURITIES CO., LTD. (Financial Institution), eBEST
Investment Securities Co., Ltd. (Financial Institution), Hi Investment & Securities (Financial Institution), Eugene
Investment ＆ Securities Co., Ltd. (Financial Institution), Coinone (Exchange for Virtual Money), Koscom (Financial
Institution) and Daily Financial Group (Fintech Company)
194
NEXTFUNDING
Representative Park Soon-uk Incorporation Date Nov 1st, 2016
Location 201, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (17F, Aju Building)
Web Page www.nextfunding.co.kr E-mail info@nextfunding.co.kr Contact +82-1800-9872
Enquiry Contact +82-10-2872-1634 Enquiry E-mail info@nextfunding.co.kr
Estate NPL Investment P2P Form of

Funding Platform Business
Introduction
Next Fintech manages Next Funding, a P2P (Peer to Peer) funding platform specialized in investing in non-performing
loans. Next Fintech is comprised of CEO who has vast experiences in domestic and overseas financial system design and
management from a top notch consulting firm in Korea, and executive members who are non-performing loan specialists
from real estate auction industry. Next Fintech supports the successful investment for clients and companies through the
accurate risk assessment and conservative investment of non-performing debt.
History
Nov 2016. The foundation of NEXT Funding
Dec 2016. The launching of NEXT Funding Service
2016. Concluded a MOU agreement with Fidelis Asset Management Co.
Apr 2017. Participated into the start-up exhibition booth of '2017 Future Financial Forum'.
Dec 2017. Repaid the 5th NPL

Next Fintech introduced Next Funding, a P2P platform specialized at investing into any non-performing loans. Next
Fintech established information protection system by supplementing PG Virtual Account System. By interlocking with
bank API, it supports real time deposit and withdrawal service and it also supports identification authentication and credit
profile information with NICE safe key. It allows users to monitor real-time processing from investing to making a loan
without having to use public certificate, which increases convenience for users.
To make non-performing real estate loan be considered as indirect investment, the company provides a bridge service
between non-performing loans specialized companies and individual or corporate investors. This P2P platform service
helps clients to make indirect investment into non-performing mortgage loans, which have both the stability and the
profitability at the times of low interest rate period.
It only selects and offers non-performing loan investment products, of which the expected auction prices are highly
attractive, among the secured bonds sold by financial institutions.
-Korea : ‌IBK Industrial Bank of Korea (Financial Institution), BOOKOOK SECURITIES CO., LTD. (Financial Institution), Hana
F&I (Financial Institution) and NH Investment & Securities Co., Ltd. (Financial Institution)
-Foreign Countries : ‌Allianz (Financial Institution)

NHN KCP
Representative Park Jun-seok Incorporation Date May, 1998
Location 28, Digital-ro 33-gil, Guro-gu, Seoul, Republic of Korea (Room No. 508, Woorim E-biz Center First)
Web Page www.kcp.co.kr E-mail hr@kcp.co.kr Contact +82-2-2108-1000
Enquiry Contact +82-2-2108-1000 Enquiry E-mail hr@kcp.co.kr
Electronic Payment (PG) and Form of

VAN Business
Introduction
NHN Korea Cyber Payment introduces integrated settlement services such as electronic payment agency business, on/
offline card value-added communication network business, and mobile payment.
It was established in 1998 by the investment from five credit card companies, including BC Card and Kookmin Card, and
acquired by NHN Entertainment on November 2014. Current company name has been used since March 2016. NHN
Korea Cyber Payment provides VAN (Value Added Network) business, a communication service which relays the payment
data information from credit card companies and franchises using the private network under the online and offline
security, and PG (Payment Gateway) business for several online businesses, including payment agency service, payment
calculation and management. Also, the company thrives to expand into the overseas market by responding actively the
rapidly changing electronic payment market with our own on/offline O2O payment and global e-commerce business.
History
May 1998. Established based on the investment by five credit card companies, including BC card and Kookmin Card.
Jan 2005. Released Off-line VAN service
Jan 2006. Listed on KOSDAQ
Dec 2011. Established a subsidiary company, KCP Innovation
Nov 2012. Launched ‘Pay On’, a NFC payment service
Nov 2014. Changed the largest shareholder into NHN Entertainment
Jul 2015. Registered the first foreign exchange business in Korea as a PG company
Mar 2016. Changed the company name into NHN Korea Cyber Payment
Jul 2016. Released Ali Pay Real-time Repayment Service
NHN Korea Cyber Payment provides the payment gateway business and the value-added network service. In the PG
business, it formed the oligopoly market with LG U+ and KG INICIS; In the VAN business, it accounts for 4 percent of
the whole market in competition with 13 companies (including NICE Information & Telecommunication Inc., Korea
Information & Communication Co., Ltd. and KS Net). It secures more than 70,000 PG client companies and 200,000
offline VAN client companies.
Through electronic payment system, NHN Korea Cyber Payment offers various products and services at the Internet
stores and supports a safe and convenient payment using credit cards and other payment methods for the payment. The
electronic payment has the advantage of establishing the mutual trust between buyers, sellers and financial institutions
and supporting the secure network for financial transactions. In this regard, NHN Korea Cyber Payment has a secure
payment environment and offers the easy and quick payment system and the proven system to 18,000 franchises
in Korea. Also, the company enhances the efficiency by allowing clients to manage the sales through a consolidated
report(s) from the approval to the calculation. In addition, it helps clients to raise the sales through the marketing support
and the risk management. For the value-added communication network business, it provides various optional services,
including the inquiry service and the approval service, to on/offline franchises and internal/external credit card clients
based on the experiences and technical skills accumulated in the whole electronic payment field. This allows clients to
support more comfortable and stable e-commerce system. NHN Korea Cyber Payment provides Payco service, which
allows clients to make payment at any time by registering their own payment method in advance.
-Korea : ‌G Market (Internet Shopping Mall), 11st (Internet Shopping Mall), Naver (Search Engine), Daum (Search Engine),
Coupang (Internet Shopping Mall), Tmon (Internet Shopping Mall), We Make Price (Internet Shopping Mall),
Tourbaksa (Travel Package Sales), Nexon (Game) and Seoul Metropolitan Office of Education (Government
Agency)
196
NSBEYOND
Representative Seo Won-il Incorporation Date Aug 11th, 2015
Location 12, Daewangpangyo-ro 645beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do (Room No. c01, 4F, Convergence Security Support Center)
Web Page www.nsbeyond.com E-mail sales@nsbeyond.com Contact +82-70-8098-9325
Enquiry Contact +82-70-8098-9325 Enquiry E-mail sales@nsbeyond.com
Form of
Main Service Trusted Pass Fintech Area Security/Authentication B2B
Business
Introduction
NSbeyond introduces password less authentication technology that can be applied to not only Fin-tech industries but also
all industries where authentication is needed.
‘Password-less’ authentication solution is a solution to a problem of eliminating users from entering password every time
to access to internet shopping or mobile finance services. It registered a patent on controlling and storing a security of
target device through security tunnel.
NSbeyond was selected as the third ‘Shinhan Futures’ Lap’ by Shinhan Financial Group, and it attracted investment from
it on August 2017. It made cooperation with Koscom in Fin-tech sector, and it proceeded authentication related proof of
the concept with KB Kookmin Bank.
History
Aug 2015. The foundation of NSBEYOND Inc.
Nov 2015. The patent application of Security Tunnel-based Authentication Method and Device.
Dec 2015. The conclusion of MOU agreement for the cooperation of fintech business with Coscom.
Sep 2016. The conclusion of POC agreement with KB Kookmin Bank
Nov 2016. The patent application of target device security control using the security tunnel.
Jan 2017. The participation into the Hong Kong Fintech Final 17 (Hong Kong)
Aug 2017. The attraction of investment from Shinhan Financial Group.
Jan 2018. The supply of Trusted Pass Solution to Nex G.

NSbeyond is a developer of authentication solutions and is introducing a ‘Trusted Pass’ solution that can authenticate
without a password and an ID.
Trusted Pass is evaluated as safe for business operators because it is easy to use that users do not need to remember
their passwords and hacking is structurally impossible. The authentication procedure is performed via one-time private
line (VPN), and the program network other than the authentication is temporarily shut off. It uses a simple pattern-like
one-time password to prevent network leakage of authentication information such as memory hacking, pharming, and
smashing. The Stealth Network technology was applied to the Trusted Pass. A dedicated network is created only when
authentication is required and automatically discarded when authentication is completed. An authentication server
cannot be found in the network, and unauthenticated terminals cannot be connected. NSbeyond expects that the
Trusted Pass will reduce security costs by replacing not only certified certificates, OTPs, but also security cards used by
banks. Combined with biometrics and block chains in the future, it will complement and improve the shortcomings of
existing authentication systems.

NuVent Inc.
Representative Kim Cheon-sik Incorporation Date Oct 15th, 2014
Location 19, Yeoksam-ro 63-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Woohee Building)
Web Page www.shareat.me E-mail support@nuvent.co.kr Contact +82-70-7730-3119
Enquiry Contact +82-10-9031-5657 Enquiry E-mail cyum5657@nuvent.co.kr
Form of
Main Service Share@ Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Nuvent Inc. is a start-up company established in 2014 by professionals of at least 10 years of work experiences from
Naver, LG CNS, Korea Smart Card, and Ticketmonster. Its vision is a freedom from “instant information” which targets to
advertise or other means, and it offers differentiated information. It provides offline store utilization information in real
time, and it is a building a relationship where stores and clients can co-exist. Employees from various fields with various
experiences thrive to provide more authentic, and trustworthy information.
Nuvent Inc. shares and utilizes clients’ store information, and it has own payment system which allows clients to make
payment easily. Also. It provides risk management services, marketing, and major insights that can be used in financial
system.
History
Oct 2014. The foundation of NuVent Inc.
Feb 2015. The acquisition of venture company certificate (Korea Technology Finance Corporation), the registration as
online marketing business and the acquisition of exclusive research department certificate.
Jun 2015. The investment attraction of 400 million Wonfrom Daum Young Man Startup Fund (East Gate Partners Corp.)
and the increase of capital.
Aug 2015. Selected as ‘Application of this Month’ in ‘Korea Mobile App Award 2015’.
Sep 2015. Selected as “The 2d Development Support Business for Business Service Model” by Seoul Industry Promotion
Agency.
Aug 2016. The 2nd investment attraction (from Samsung Venture Investment Corp. and Seoul Industry Promotion
Agency) and the increase of capital.
2017 Apr. The 3rd investment attraction (from Funple Works Corp.) and the increase of capital.

“Share@” is an automated service that using stores’ payment information it offers and manages real-time information
(store information, menu, review, and etc.) to clients. It supports “Simple Payment” function that clients can easily make
payments and get 5% or more discount.
By registering to “Simple Payment,” it offers not only regular discount options, but also prepares to offer same discount
on “Dutch Pay.” As additional services to partners, it provides risk management, revenue management, and social media
network reputation analysis.
The risk management module is software that can collect and analyze receipt sales data of point-of-sale (POS) stores in
real time. . It is an automated system that monitors the sales and sales trends of the stores, detects the possibility of loan
loss, and informs partners immediately. Revenue management and social network service reputation analysis module will
provide services using the existing SHARE@ through service franchise.
-Korea : ‌Welcomebank (Financial Institution), KB Kookmin Card Co., Ltd. (Financial Institution), Ediya Coffee (Franchise
Cafe), Kkanbu (Restaurant Business), Bulgogibros (Restaurant Business), Sulbing (Dessert Coffee Franchise), Todai
(Restaurant Business), Drop Top (Franchise Cafe), Manoffin (Franchise Cafe) and Funplecorp (O2O Platform).
198
Octatco Co., Ltd.
Representative Yu Mi-young Incorporation Date Apr 4th, 2016
Location 65, Digital-ro 9-gil, Geumcheon-gu, Seoul, Republic of Korea (Room No. 905)
Web Page www.octatco.com E-mail octatco16@gmail.com Contact +82-2-2169-2338
Enquiry Contact +82-2-2169-2338 Enquiry E-mail Octatco16@gmail.com
Form of
Main Service Biometric authentication Fintech Area Security/Authentication B2B/B2C
Business
Introduction
Octatco is a biometric-based solution and service provider.
It solves problems of inconvenience in inputting ID, passwords, PIN numbers as well as the risk of theft, loss, and leakage
and it provides a fast and convenient biometrics authentication products and services.
Octatco is engaged in discussions for domestic and external security and service products, including domestic banks and
Singapore telecom operators and Japanese manufacturers.
History
Apr 2016. The foundation of Octatco Co., Ltd.
Oct 2016. The development of Mobile Fintech Iris Recognition Dongle prototype version.
Nov 2016. The membership in Korean FIDO Forum.
Jan 2017. The launching of Mobile Fintech Iris Dongle OID-P1

Octatco introduces solutions that utilize biometrics. It provides one-stop services and products, including iris, fingerprint
and face authentication, smart authentication terminals, algorithms and mobile applications. It covers from biometric
sensors to module circuits, instrument design, biometric algorithms and software design capabilities.
Octatco has developed its own iris recognition dongle (model: OID-P1A). The iris recognition dongle can be used for
registration and face-to-face authentication such as banking and health insurance. Health Insurance Identification. The
iris authentication use case is visited at the medical institution reception desk, and when the health insurance subscriber
carries out the iris authentication, it is operated in a way that is processed in the health insurance settlement system in the
future. At the bank window, if you register your iris with face-to-face authentication once, you can use iris authentication
service at ATM or internet banking later.
-Overseas : Fido Aalliance (Biometric Technology Council)

OLLEYFUNDING Inc.
Representative Kim Jun-beom Incorporation Date Oct 28th, 2015
Web Page www.olley.co.kr E-mail contact@olley.kr Contact +82-2-6105-6801
Enquiry Contact +82-10-9359-6006 Enquiry E-mail dyshin@olley.kr
Form of
Main Service Olleyfunding Fintech Area P2P Finance B2C
Business
Introduction
OLLEYFUNDING Inc. manages a brokerage platform to connect investors and borrowers online. It offers the loan product
at a lower interest rates than existing nonmonetary institutions by the judgement on loan based on financial transaction
data for personal borrowers and based on financial statements, business value and provision of collateral for corporates.
The loan is financed from the investment of various investors attracted on online platform without raising interest; the
investors can get investment returns from the repayments of borrowers.
History
Oct 2015. The foundation of OlleyFunding Inc.
Mar 2016. The launching of corporation loan service.
May 2016. The participation into Maeil Business Money Show. The conclusion of MOU agreement with Together Funding Inc.
Jun 2016. The launching of Sunlight Generation Loan Service and Real Estate Mortgage Service.
Nov 2016. The conclusion of Association Agreement with REEBONZ.
Dec 2016. The launching of Luxury Loan Service.
Jan 2017. The launching of P2P joint consortium product.

OLLEYFUNDING Inc. provides growth models to with investors and borrowers to meet the needs of corporations
requesting funds and investors having difficulty selecting financial products at the same time. Most of its financial
products can be used for the short-term investment, as they expire within 6 months. It can invest the repayment of the
principal and interest on the expiration date into new financial products to benefit compound interest; it offers the effect
of long term investment to stable financial products and secures liquidity, if necessary, at the same time. Also, it offers
various financial products, including New Regeneration Energy Financial Product and Joint Consortium Product, and it
will expand service areas in partnership with asset management companies in future.
-Korea : Yellow Data Works (AI), PayGate (Electronic Payment), Banseok Accounting Corporation (Accounting Service),
NICE Information Service Co., Ltd (Credit Information), Korea Credit Bureau (Credit Information), Midrate (P2P
loan), Together Funding (P2P loan) and SODIT (P2P loan)
200
Omninetworks
Representative Kim Gyeong-sun Incorporation Date Jun 23rd, 2008
Location 288, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 307, 3F, 1st Daeryung Post Tower)
Web Page www.omninetworks.co.kr E-mail contact@omninetworks.co.kr Contact +82-2-6080-6847
Enquiry Contact +82-2-6080-6847 Enquiry E-mail contact@omninetworks.co.kr
Mobile Finance/ Form of

Main Service Fintech Area Payment/Settlement B2C
Mobile Media Business
Introduction
OmniNetworks is a mobile platform operator.
The mobile platform provided by OmniNetworks is designed for the field of media, finance and accelerator.
It also operates terrestrial-based mobile broadcasting and Smart DMB, an online video platform. In December 2015,
the company established a subsidiary, OmniBank, and it merged with it in May 2017. OmniNetworks cooperated with
KEB Hana Bank, KB Kookmin Bank and others in the overseas remittance business and entered into an alliance with
Merchantrade, a Malaysian operator.
History
Jun 2008. The foundation of Omninetworks
Dec 2015. The establishment of Omnibank for the expansion into the mobile foreign remittance business (a subsidiary of
Omnitel)
Mar 2016. The conclusion of MOU agreement for the small money foreign currency transfer business with KEB Hana
Bank
May 2016. The conclusion of MOU agreement for the small money foreign currency transfer business with KB Kookmin
Bank
Oct 2016. The conclusion of remittance service affiliation agreement with Merchantrade, a overseas currency transfer
business in Malaysia.
May 2017. The merger with Omnibank
Sep 2017. The completion of approval for the change of biggest investor in Korea DMB Corp.

OmniNetworks is providing mobile-based financial and media services. The foreign exchange transfer service business
platform has been established since 2015 for overseas remittance business with Malaysia and China, and it has also
signed a technical cooperation agreement with the largest cryptocurrency exchange in Korea for the cryptocurrency
international remittance service. It has also developed its own mobile foreign currency transfer application.
OmniNetworks is operating 'Smart DMB', a parent company of terrestrial DMB broadcaster QBS (Korea DMB) and
terrestrial mobile OTT (Over The Top) service. In addition to the smart DMB service, it has developed a patented Cell
Broadcasting System solution. In the global market, Mongolia has 1.3 million subscribers through Scoop, the first mobile
broadcasting service in Algeria. In Mongolia, it has developed and manages the Mongol Contents, an Internet portal site
established with MobiCom.
-Korea : ‌KBS (Broadcasting), MBC (Broadcasting), SBS (Broadcasting), JTBC (Broadcasting), SK Telecom (Mobile
Communication), Samsung Electronics (Electronic Products Manufacturing), LG Electronics (Electronic Products
Manufacturing), KB Kookmin Bank (Financial Institution), KEB Hana Bank (Financial Institution) and Electronic
Newspaper (Newspaper Publication)

Opentrade
Representative Ko Yong-gi Incorporation Date May 24th, 2012
Location 26, Eonju-ro 81-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Bukchon Seoho Building)
Web Page www.otrade.co E-mail biz@opentrade.co.kr Contact +82-2-2051-9979
Enquiry Contact +82-2-2051-9984 Enquiry E-mail kmlee@otrade.co.kr
Online Small Investment Form of

Agency Business
Introduction
Opentrade operates an equity-based crowdfunding platform. Opentrade utilizes equity investment-type crowdfunding
as a means of financing startups. It aims at a platform that mediates social impact investment that strives for the success
of a company that has a socially and environmentally meaningful influence. It signed a cooperation agreement with
Seoul City to promote investment by start-up companies and was selected as a crowdfunding platform of the Ministry of
Agriculture and Food. The company has signed a business agreement with K-TYPE Partners, a Singapore-based venture
finance and consulting firm, to help attract foreign investment in domestic start-ups.
History
May 2012. The foundation of Open Trade Inc. The attraction of seed funding from Seed Funding of Coolidge Corner
Investment.
Dec 2014. The award of Special Prize in Creative Enonomic Contest (Ministry of Science, ICT and Future Planning)
Mar 2015. Selected as “Startup Investment Promotion Agreement” (Seoul Metropolitan Office)
May 2016. Selected as the Crowd Funding Platform (Ministry of Agriculture, Fisheries and Food)
Jan 2017. The progress of “Manchester by the Sea”, a bond-typed funding.
Jun 2017. The conclusion of MOU agreement with K&T Partners Inc. in Singapore

Opentrade is a crowdfunding platform that specializes in financing start-ups.
In addition to funding start-up, it provides various services and networks such as mentoring through self-operated
online mentor group, talent acquisition, and PR marketing. Opentrade emphasizes that crowdfunding not only attracts
the public from the fund, but also gets more sponsors to succeed in business. In addition, the Business Model Canvas
is provided so that the start-up business plan can develop beyond the item to become a long-term business model.
Investors are provided with a unified frame to help them find the start-up they are interested in more easily. Opentrade is
trying to move the existing offline angel investment method online. Since offline angel investment starts with review of
business plan and investment is made through continuous communication, it is connected naturally to post management.
The core function of Opentrade is timeline-based start-up and communication with investors, which the company
believes that it can be implemented online on an offline investment method.
-Korea : Hanyang University (Educational Institution), Technology Guarantee Fund (Public institution), Creative Economy
Town (Government Institution), Seoul City Hall (Government Institution), KB Financial Group (Financial
Institution), Seoul Business Agency (Government Institution), Woori Bank (Financial Institution) Tec & Law
LLC. (Legal Service), Ministry of Agriculture Food and Rural Affairs (Government Institution) and Korea Credit
Guarantee Fund(Public Institution)
202
Owin
Representative Shin Sung-chul Incorporation Date Feb 6th, 2015
Location 98, Hannam-daero, Yongsan-gu, Seoul, Republic of Korea (1F, Ilsan Building)
Web Page www.owin.kr E-mail owinbusiness@owin.kr Contact +82-2-3482-4155
Enquiry Contact +82-70-4422-3381 Enquiry E-mail partners@owin.kr
Form of
Main Service Owin Beacon Fintech Area FInance Platform B2B/B2C
Business
Introduction
Owin is a start-up, which develops commerce solutions and platforms for Connected Car.
It provides Beacon, the hardware that connects cars and mobile platforms, and the Internet platform of things, consisting
of service applications, security and easy payment systems.
Owin was selected by Google for its launch support program in 2015 and has signed a partnership with an Israeli
specialist.
In 2016, it has formed a business alliance with Shinhan Card in the field of commercial platforms based on connected cars
and have established a subsidiary in Singapore. Owin filed more than 170 patents. It is applying for patents in Korea and
the United States to protect technical ideas and designs related to its products and services. It is applying for an overall
technology related patent for building a ‘Connected Car Commerce’ platform such as control communication payment
related to car cigar jack car ID (car ID).
History
Feb 2015. The foundation
Aug 2015. The conclusion of business cooperation agreement for the protection of intellectual property rights with
BizModelLine
Nov 2015. Selected as the GCP for Startup program, a startup support program by Google
Feb 2016. The conclusion of MOU agreement for the parking business with Isracore Ltd. in Israel
Sep 2016. The participation into the acceleration program by Airmaker in Singapore
Sep 2016. The establishment of OWinAuto Asia PTE Ltd. (Singapore Branch)
Oct 2016. The conclusion of business cooperation agreement for the ‘Conencted Car Commerce Platform’ market
development with Shinhan Card

Owin is developing solutions to support a variety of services for the upcoming connected-car era. Owin’s solutions
provide location-based information delivery, billing and marketing services for various situations in the automobile. Owin’s
Beacon, which is based on the Internet technology, operates by connecting to a location-based service by giving the
vehicle a digital ID for immediate use regardless of vehicle type or year. Owin's solutions can be applied to all commerce
related industries such as parking, gasoline, concierge service, car take-out service, valet parking service, easy payment,
and rental car. The focus of Owin on the connected car industry is due to the diverse commercial activities associated
with the car and the diverse types and content of data that are derived from moving vehicles. Owins collects, analyzes,
and provides data on various consumer activities related to their vehicles, such as IDs, routes they travel, and frequent
restaurants or gas stations. Owin’s ‘Car ID’ automatically communicates the customer’s vehicle ID, location, and time to
enable customers to use the connected car care service more conveniently and smarter. The Bluetooth signal generator
transmits and receives signals from 100 to 150m outside the vehicle, connects the vehicle to the mobile, and can be
plugged into the cigar jack easily and conveniently regardless of vehicle type and model.
-Korea : Shinhan Card (Financial Institution), Biz Model Line (Patent Investment), LG U+ (Mobile Communication), IBK
Financial Group (Financial Institution), GS Caltex (Crude Oil Refining) and HanBul Motors (Peugeot Formal
Importer)
-Foreign Countries : First Data (Credit Card Terminal), Adwares (Marketing), and Islas Core (Investment Company)

Pass Sign
Representative Lee Wan-seok Incorporation Date Sep 10th, 2000
Location 52, Hangang-daero, Yongsan-gu, Seoul, Republic of Korea (2F)
Web Page www.passsign.com E-mail sorate@passsign.com Contact +82-2-599-9294
Enquiry Contact +82-2-599-9294 Enquiry E-mail sorate@passsign.com
PS2000, PS2001CE, Form of

Main Service PS2000-NET and Fintech Area Security/Authentication B2B
PS2001CE-NET Business
Introduction
Passsign Inc. is a biometric signature authentication technology developer.
It was established on September 2000 in response to the rapid growth of security market by offering the biometric
authentication globally. Passsign Inc. has the source technology for dynamic biometric signature, which is a technique
for confirming the identity of user by manually making a handwritten signature on a touchpad of a smartphone and
comparing the registered original information with information input in real time. It registered for domestic patents in
2004.
History
Sep 2000. The establishment of Pass Sign
Oct 2000. The application of patent for "Electronic Signature Certificate Method using Dynamic Program and Neural
Network".
Jan 2001. The development of FIDO log-in program for the PDA 'PS2001CE'
Jun 2001. The supply of PDA log-in programs to Samsung Electronic 'PS2001CE'
Sep 2002. The conclusion of MOU agreement for joint product development and marketing with Fujitsu Korea
Aug 2003. The application of BM patent for "Credit Card Statement Processing System using Electronic Signature"
Jan 2004. The supply of signature capturing system to Daegu Buk-gu Office.

Passsign Inc. is specialized in the dynamic biometric signature technology.
Passsign’s dynamic handwritten signature and password biometric solutions include the online signature authentication
security program for desktop PC, the signature authentication login program for PDA, the server-based online signature
authentication system for desktop PC, and the server-based online Signature authentication system.
The online signature authentication system is a biometric technology, which verifies the identity of individual. It extracts
the characteristic vector (including shape, speed and pressure) from the graphical signature using the electronic pen to
verify the authenticity of signature. Because it is not necessary to remember and possess various elements (including ID/
PW, Serial Number, Key and Card), it is possible to solve problems (including the loss, the leakage and the theft), which
are considered the disadvantage of existing identification methods. Also, unlike other biometrics (including fingerprint,
iris and facial recognition), there is no sense of rejection and thus it can be applied naturally. In particular, it can be applied
directly to a variety of fields (including credit cards, bankbooks, immigration control, electronic documents), which
currently use the signature as an authentication medium.
-Korea : ‌Samsung Electronics (Electronic Equipment), Korea Information Certificate Authority (Information
Authentication), Nongsim Mega Mart (Distribution), E-mart (Distribution) and Lotte Mart (Distribution)
-Foreign Countries : ‌Fujitsu (ICT Company)
204
PaxMone Inc.
Representative Hong Sung-Nam Incorporation Date Jun 10th, 2009
Location 16, Digital-ro 32ga-gil, Guro-gu, Seoul, Republic of Korea (Room No. 1206, Partners Tower 2-Cha)
Web Page www.paxmone.com E-mail snhong@paxmone.com Contact +82-2-3443-8001
Enquiry Contact +82-10-7558-8814 Enquiry E-mail snhong@paxmone.com
CrePas Form of
Main Service (Payment Between Fintech Area Payment/Settlement B2B/B2C
Credit Card Members) Business
Introduction
PaxMone is a Fintech startup that develops P2P payment systems.
Crepas, a payment service between credit card members developed by PaxMone, was registered for original technology
patents in US, Japan, Singapore, and Malaysia as well as Korea.
The key to technology is to cash in credit card points that are not shared. The company established a settlement system
so that it can be used like cash in connection with the nationwide franchisees owned by credit card companies.
History
Nov 2007. Registration of patent for P2P Payment system in Korea
Mar 2010. Registration of patent in Singapore
Nov 2010. Conclusion of service launching agreement with BC card
Jul 2013. Registration of patent in Japan (金融取引方法)
Oct 2013. Registration of patent in Malaysia (System and method for financial transaction)
Dec 2013. Registration of patent in US (System and method for financial transaction)

PaxMone developed a P2P payment service. PaxMone's Crepas service has cashed credit card points that were not
previously shared. The payment service between the members of the credit card is that mobile settlement is transmitted
to the receiver of the member's credit card without charging, and if the receiver uses the received money without
any procedure at the credit card company's on-line merchant, then it deducts from the credit card payment amount
automatically and automatically refunds the details of use of the merchant shop. This is a secure mobile P2P payment
because you do not need a separate charging process, you can receive it without a bank account, and you cannot store
any payment information including credit card information on the outside.
Until now, Credit companies’ points were aimed at loyalty marketing, which was a target for non-purchasing. This is
because it is limited in use and does not intersect with other card points. PaxMone has started commercialization with a
large card company in Korea. The company received patents for P2P service between credit cards not only in the US but
also in Japan, Singapore and Malaysia, and is currently under patent examination in India.

Pay Gate
Representative Park So-young Incorporation Date July 1st, 1998
Location 258, Seokchonhosu-ro, Songpa-gu, Seoul, Republic of Korea (2F, Art Nouveau Palace)
Web Page www.paygate.net E-mail support@paygate.net Contact +82-2-2140-2700
Enquiry Contact +82-2-2140-2700 Enquiry E-mail support@paygate.net
Form of
Main Service Openpay Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Pay Gate is an electronic payment service provider.
It started with providing credit card payment services, and it evolved to providing services based on bank-based accounts
transfer service, mobile payment services, and web standard technology-based advanced services. Pay Gate has acquired
the 'Multi-Payment Gateway' patent and applied it to payment methods in China, Japan, and Europe.
Since 2016, a Fin-tech platform, 'Seyfert', has been introduced to UK, USA and Luxembourg. Seyfert is a web standard
Fin-tech platform based on a block-chain using global financial accounts. Even if a user does not install a special plug-in,
he/she can transfer funds, withdraw money, and transfer money in foreign currency.
History
Feb 1999. The promotion of personal electronic payment trial service.
Feb 2001. The acquisition of ISO 9001 certificate
Oct 2002. The launching of PDA payment service
Sep 2011. The launching of global payment service for P&C in USA
Dec 2012. The acquisition of PCIDSS v.2.0 certificate
Dec 2013. The launching of global payment service for Shinsaegae Payments

Pay Gate offers global payment services. In addition, it introduces various services using block-chain technology.
Open Pay, a global credit card payment service provided by Pay Gate, applies its patented technology to the Amount
Authentication platform, offering the best payment environment to financial institutions around the world. It is a global
credit card simple payment service that processes and provides traffic in real time with financial institutions.
"Seyfert", developed by Pay Gate, is a Fin-tech platform that provides online financial services. Unlike existing method of
depositing the payment to the customer's account, it is the method that a customer visits directly to the payment kept
on the platform. It is widely used in Government offices, e-commerce companies, peer-to-peer companies, O2O (online /
offline) companies and crowdfunding companies. Seyfert Exchange is the most advanced version based on sophisticated
block-chains. Seyfert Exchange, which aims to play a core role in the exchange market, is a service focused on the security
of the crypto exchanges. It has secured the necessary security and certification in order to accurately identify customers
and to prevent money laundering and to become a global exchange. Bitcodao is a global bit-coin shop where you can
purchase bit-coin by e-commerce method. One feature is thata you can buy a bit-coin using your credit card. To prevent
fraudulent transactions, a strong FDS (fraud prevention system) and a credit card authentication transaction system were
applied. Depending on the level of identity verification of the user, the number of times and the amount of money to
purchase a daily bit-coin are limited to prevent misuse of bit coin in speculation.
-Korea : ‌Bugs Music (Music Provider), KBS (News Media), KT Music (Music Provider), Aladdin (Internet Bookstore),
Shinsegae Mall (Distribution) and Neowiz (Online Game)
-Foreign Countries : ‌Visa (Financial Institution), Master Card (Financial Institution), Union Pay (Financial Institution) and
SoftBank (Financial Institution)
206
Pay’s service Korea Corp.
Representative Jeon Woo-jung Incorporation Date Jun 9th, 2014
Location 14, Seongsui-ro 10-gil, Seongdong-gu, Seoul, Republic of Korea (10F)
Web Page www.paysservice.com E-mail iornman@paysservice.com Contact +82-70-4414-3469
Enquiry Contact +82-70-4414-3469 Enquiry E-mail iornman@paysservice.com
Form of
Main Service Mobile Gift Card Publication Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Pay’s service Korea Corp. is a provider of new mobile voucher services. It was established in June 2014 as a subsidiary
of Coup Marketing, a mobile payment company. Pay’s presented by Pay’s service Korea Corp. publishes digital product
rights based on the platform that enables direct payment of electronic payment and integrated management. It also
provides a value-added mobile voucher that provides a service to broker a barcode issued by a financial company with
a brand company. Pay’s service Korea Corp. provides the easy and convenient access to consumers through settlement
intermediary services. In addition, there are more than 90 B2C media and many B2B integrated operations. It is expanding
business to mobile and gift cards.
History
Jun 2014. the establishment of Pay’s service Korea Corp.
Dec 2014. the application of patent for ‘Electronic Payment Method Integration Management System’.
Aug 2016. Selected by Korea Technology Finance Corporation – the acquisition of venture company certificate.
Apr 2017. the opening of direct service for KB Live Mate
May 2017: the opening of cash direct service for NH Nonghyup App.
Jul 2017: the opening of direct service for Woori Wibee Members
Sep 2017: the opening of direct service for Hana Members.

The Pay’s service Korea Corp. provides services such as vouchers, integrated barcodes and barcode payments.
Pay’s service Korea Corp. is offering a gift certificate that can be utilized by various affiliates with one barcode. It is a new
concept gift card that can inquire, manage, and charge balance. It can be easily and conveniently used by consumers
through settlement intermediation of various simple settlement services. Its gift vouchers are a single amount of money
for offline affiliation members. It can be used reasonably by charge, balance, and usage history management rather than
one-time with the amount of money amount that can manage charge type balance.
The integrated barcode is a service that allows you to use a single barcode for eating out, dessert, shopping, etc. as a
simple payment. A single bar code can be used for convenience payment services at nationwide affiliated merchants. You
can make payments quickly through a single barcode on your smartphone. Charge, balance, and usage details are easy
to manage and you can get discounts on charging and purchasing. Barcode payment is an offline O2O simple settlement
service. It is a real-time barcode payment method that can be used instantly through your points and registered credit
card or check card. Gift cards offer B2B promotional and bulk shipping services, as well as real-type gift certificates in a
single, combined form in brand stores, distribution channels, and more. It is also effective in maximizing the sales and
marketing effects through the sales of the brand stores, and the customers can feel convenience because of various uses.
Customized gift cards can be used smartly. It is possible to manage the balance through gift cards, reverse URL and QR
code of various kinds of books.
-Korea : ‌BC Card (Financial Institution), Lotte Card (Financial Institution), Daum (IT Company), KT (Telecommunication
Company), Kakao (IT Company), Shinhan Card (Financial Institution), Auction (E-Commerce), WeMakePrice
(E-Commerce), Coupang (E-Commerce) and KEB Hana Bank (Financial Institution)

PAYCO
Representative Jung Yeon-hun Incorporation Date Oct 26th, 2016
Location 16, Daewangpangyo-ro 645beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Play Museum, Sampyeong-dong) (Zip-code: 13487)
Web Page www.payco.com E-mail help@payco.com Contact +82-31-8038-2991
Enquiry Contact +82-10-5398-2304 Enquiry E-mail Jsmin1012@nhnent.com
Form of
Main Service Electronic finance Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
NHN PayCo is a mobile payment service provider.
NHN PayCo is expanding its business area with mobile payment service, mobile payment service, big data-based
advertisement support service, and mobile security service.
In 2017, it attracted 125 billion won from GS Home Shopping and Hanhwa Investment.
It has a settlement partnership with Google.
History
Aug 2015. The official launching of service
Mar 2016. The launching of offline payment
Jun 2016. The launching of simple remittance service
Apr 2017. The establishment of HNH Payco
Sep 2017. The attraction of 125 billion won investment (GS Shop and Hanwha Investment)
Oct 2017. The conclusion of payment partnership agreement with Google

NHN Payco is a service provider that is expanding its services into various financial services, starting with mobile payment
services.
NHN PAYCO's service is simple payment service that can easily make payment by fingerprint authentication or payment
password authentication only after registering payment information such as credit card, mobile phone, account and so
on.
It also provides a mobile remittance services that can be easily transferred to a bank account or a mobile phone number.
It offers a point service that one can recharges Payco point, or earns points from affiliates, and the points can be used as
cash by all merchants. Moreover, it provides optimal targeting users’ data to advertisers.
It also provides services such as developing and providing a credit evaluation model based on big data by collecting
payment data, mobile security solution including powerful functions such as prevention of de-compilation and
verification of file integrity as well as detection of simple matching tool.
Payco ID supports NHN PayCo's various services such as billing, ticket booking, music listening, and T-money.
NHN PayCo also offers authentication services. Offline payment, order payment, and remittance are supported by
fingerprint authentication in a simple and safe manner. In case you do not use it for a long time or if you lose your mobile
phone, you can restrict the payment function and protect the payment method by managing payment security. It
supports dual security service with password plus one-time password authentication number.
-Korea : ‌NHNKCP Corp. (PG), KG Inicis (PG), Lotte Card (Credit Card Company) and Samsung Card (Credit Card
Company) and KB Kookmin Card (Credit Card Company).
208
Paycock
Representative Gwon Hye-won Incorporation Date Jul 3rd, 2015
Location 32, Bongeunsa-ro 114-gil, Gangnam-gu, Seoul, Republic of Korea (2F, Woonam Building)
Web Page www.paycock.net E-mail ceo@paycock.net Contact +82-2-3210-0000
Enquiry Contact +82-10-3365-05110 Enquiry E-mail Guy511@paycock.net
Form of
Main Service Software Application Supply Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Paycock Inc. is specialized in developing a payment solution and distributing for serllers. Founded as a Fin-tech start-up
on July 2015, its company name means the combination of payment (pay) and finger tap sound (coq) under the goal to
make sellers offer the fast, easy and safe payment solution. It has concluded MOU agreement with Shinhan Card, and it
made a ‘Smart Sign’ service contract with KTB Solution. It was selected as a operator for Seoul Citiy’s simple payment, and
also made a contract with Korea Financial Telecommunications & Clearings Institute. Moreover, in order to expand into
Eurasia financial market, it has concluded MOU agreement with AEB IT, a Russia’s financial IT company.
History
Jul 2015. The foundation of Paycock Inc.
Apr 2016. The conclusion of ‘Smart Sign’ service agreement with KTB Solution
Jun 2016. The conclusion of MOU agreement with three East African countries.
Aug 2016. Selected as the National Support Project of Fintech Company Security
Nov 2016. The conclusion of MOU agreement with IDX in U.S.A.
Dec 2016. Selected as K-Camp Global
Apr 2017. Selected as the Seoul Simple Payment Licensee. The conclusion of business cooperation agreement with
Korea Financial Telecommunications and Clearings Institute

Paycock Inc. provides payment solutions for sellers. Paycock Inc. has strong confidence in security because images
scanned with 3D technology are not stored on the device. It is a very convenient payment system for businesses that
face consumers directly and make payments directly on stores. If the mobile payment system is used for mobile shopping
customers, it is not necessary to store the payment information in advance in the mobile phone, thereby preventing from
hacking. The cost advantage is that the purchase cost and the maintenance cost is low. Because Paycock Inc. is supported
by the wireless card payment device app, it can download the app to users' smart devices without MSC reader or IC
reader, so that they can settle the card payment easily. It is also ahead of the Alipay service and is convenient for overseas
service utilization by combining with overseas payment system. Paycock Check is a mobile payment service that does
not require a separate card terminal because it can process all the payment process with only the smartphone camera
and NFC function. It costs up to 95% lower than existing methods using card terminals. It also provides credit card, bar
code, QR code payment and cash receipt issue function. It has developed a 'Paycock Check' service that allows users
to pay simply by taking a picture of a credit card with a smartphone camera. You can pay for a card if you only have an
application (app) without a payment device for a card-only terminal or a smartphone. Real-time card information is not
stored in the smartphone camera, but it is accurately recognized by the video technology. Recognition rate is 99.7%,
converted into encrypted token information, and payment is made within 3 seconds. The scanned image of a real credit
card is not stored in a smart phone but encrypted in text form and transmitted to a card company. The barcode and QR
code type mobile card also complete the approval process within one second with high resolution mobile barcode reader
function.
-Korea : ‌KB Financial Group (Financial Institution), Korea financial telecommunications & clearings institute (Financial
Institution), KSNET (Electronics), KG Inicis (Payment Service), Shinhan Card (Financial Institution), Dongbu
(Financial Institution), Seoul Special City (Seoul City Hall), Kumkang Shoes (Shoemaking), Jjamppong Time
(Restaurant) and L. POINT (Financial Institution)

PAYMINT Inc.
Representative Kim Young-hwan Incorporation Date Mar 12th, 2014
Location 22, Seocho-daero 78-gil, Seocho-gu, Seoul, Republic of Korea (6F, Hongwoo 2 Building)
Web Page www.paymint.co.kr E-mail master@paymint.co.kr Contact +82-505-980-7000
Enquiry Contact +82-10-3640-6644 Enquiry E-mail secret6644@paymint.co.kr
Simple Payment, Security/ Form of

Main Service Authentication and O2O Fintech Area Security/Authentication B2B/B2C
Payment Platform Business
Introduction
PAYMINT is a specialized in consulting, designing, developing, and managing services for simple payment.
Founded on Mar 2014, PAYMINT has participated in constructing Kakao Pay, Syrup Pay, SSGPAY, L.Pay and others.
PAYMENT focuses on security authentication related to payment service, linkage to financial institutions, and electronic
financial services.
For many years, It has established the core engines and systems of main simple payment services released in the market
now; also, it possesses many essential technologies necessary for all types of payment businesses including integrated on/
offline payment and O2O payment.
History
Mar 2014. The foundation of Paymint Inc.
Sep 2014. The development of Kakao Pay (LG CNS)
Mar 2015. The development of App Card Shared Module (NICE Inc.)
Oct 2016. The development of ‘Danchoo’ One Button I.o.T Payment service.
Dec 2016. The development of Pocket Money Management Application (Shinhan Bank)
Feb 2017. Selected as the business of Information Security Source Core Technology Development (Ministry of Science,
ICT and Future Planning)
Jul 2017. The development of LINQ Omni-Channel Simple Payment

PAYMINT provides an infrastructure for payment services.
PAYMINT plans to create new payment services that encompass technology, regulation, and customers so that all
operators and customers can use it more safely and conveniently for cashless society and on-line and off-line electronic
financial services.
FingerSign, introduced by PAYMINT, is a product that recognizes the dynamic behavior of the user and provides a digital
anti-counterfeit digital signature without an official certificate.
BUTTON is easy to use by integrating a simple payment service with the IoT service that allows you to handle simple
repetitive tasks that you set up with a single click. It is a 'one-click' order payment service that uses a terminal with only
one small button. It allows you to easily settle your order and deliver it by pressing the button. Button-like services include
Amazon's Dash button and JD Now of China.
Link (LINQ) is a service that provides easy ordering and payment through QR code at an offline merchant. PAYMINT is
developing a new money management service that combines check cards and pocket money management apps.
-Korea : ‌NICE Information Service Co., Ltd. (Credit Rating), KIS Information and Communication (IT Company), KG Inicis
(Payment Service), LG U+ (Telecommunication), PayCo (Electronic Payment), Korea Fintech Industry Association
(Public Agency), Kongju National University (Educational Institution), Kakao (IT Company), Shinhan Card (Financial
Institution) and Hyundai Card (Financial Institution)
210
PayupCo., Ltd.
Representative Choi Jin-seon Incorporation Date Oct 26th, 2016
Location 114, Beobwon-ro, Songpa-gu, Seoul, Republic of Korea (Room No. 411, 4F, Tower B, M-State Building, Munjeong-dong)
Web Page www.payup.co.kr E-mail help@payup.co.kr Contact +82-1644-1017
Enquiry Contact +82-10-6651-2441 Enquiry E-mail moon@payup.co.kr
Form of
Main Service Mobile Payment Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Payup is an integrated online/offline payment service provider.
Based on its own technology patent, it provides a customized electronic payment service and it makes the payment
environment more convenient and safer in response to changing environment of market.
History
Oct 2016. The foundation of Payup Co., Ltd.
Jan 2017. The launching of Card Mobile service
May 2017. The technology transfer of “block chain-based transaction monitoring system” from Sogang University’s
Industrial University Institute.
Jun 2017. The conclusion of “The Development of Mobile Payment Platform Technology in association with Social
Network Services” agreement with Ministry of SMEs and Startups.
Sep 2017. The achievement of more than 500 Card Mobile affiliates

Payup is a payment service provider.
Payup provides various services: credit card payment (seller enters payment card information), SMS payment (buyer
enters card information), URL (file identifier), link payment and Credit card terminal settlement service. The billing process
proceeds by the merchant logging in to the store manager's website and entering the card information and making a
payment.
Credit card SMS payment is done by sending letters of SMS settlement request to the buyer's mobile phone, and then
the buyer directly enters the card information. It ensures the security of information for both seller and buyer by building
the best security system. The credit card URL link payment inserts a payment request URL into a blog or a Kakao story,
and when a URL link is clicked, a payment window containing product information is called upon and payment is made.
The credit card terminal payment is requested by the customer after connecting the smartphone reader. The smartphone
handset payment service is a service that downloads a card mobile app and connects a credit card to a smartphone's
earphone jack.
-Korea : ‌KG Inicis (Payment Service), Galaxia Communications Inc. (Electronic Payment), Danal (Payment Service) and
C’SQUARE Software (Electronic Payment)

Penta Security System
Representative Lee Suk-woo Incorporation Date Jul, 1997
Location 25, Gukjegeumyung-ro 2-gil, Yeongdeungpo-gu, Seoul, Republic of Korea (20F, Hanjin Shipping Building)
Web Page www.pentasecurity.com E-mail fintech@pentasecurity.com Contact +82-2-2125-6793
Enquiry Contact +82-1611-4020 Enquiry E-mail fintech@pentasecurity.com
Form of
Main Service D'Amo, WAPPLES Fintech Area Security/Authentication B2B
Business
Introduction
Penta Security System is a specialist in information security software based on cryptographic technology.
It provides solutions in authentication security, web security, and data encryption areas, which are the three main
elements of corporate information security. The Penta Security System has developed a database encryption product
from 2004 and has been continuously expanding its supply of encryption solutions for the banking sector as encryption
becomes a requirement in accordance with the Personal Information Protection Act of 2012. Penta Security System
provides core solutions such as Intelligent Web Firewall WAPPLES, Password Platform D'Amo and Certification Platform
ISign + in the next generation information system construction business of financial sector. It was named 'Best Security
Company of 2016' by consulting firm Frost & Sullivan.
History
Jul 1997. Establishment of Penta Security System
Jul 1999. The launching of first DB security business in Korea
Aug 2003. The acquisition of FIPS cipher certificate by CIS and US National Institute for Standards and Technology (NIST)
Jul 2008. The acquisition of CIS-CC cryptographic module certificate (National Intelligence Service)
Apr 2009. The award of ‘Embedded SW Grand Prize’ in the New Software Product Contest (The Ministry of Knowledge
Economy)
Oct 2015. Selected as the champion of CloudbricNCSAM (US National Cyber Security Association)
Jun 2016. The award of ‘2016 Best Security Enterprise' Prize in the 13th Asia-Pacific ICT Award.

Penta Security System develops and supplies a variety of information security solutions.
Penta Security System's key products include the D'Amo encryption platform, the intelligent firewall WAPPLES, and the
ISign + authentication platform, as well as ‘Cloudbric'. D’Amo KMS is a system that generates and manages the keys used
for encryption, and manages the entire life cycle of the key. It acquired CC certification EAL3 + assurance level and, it is
possible to comprehensively manage all encryption keys conforming to various international standards including ECC
(elliptic curve cryptography) algorithm supported by block-chain. In addition, in order to prevent a security breach that
may occur when transmitting a key, the transmission interval encryption is performed to secure key management more
safely. WAPPLES Cloud is a waffle cloud based on WAPPLES Cloud, which is easy to operate and easy to set up with
low error rate through intelligent logic analysis engine (COCEP) even in the cloud environment. Waffle Cloud, which is
serviced through Microsoft Azure, provides Cloud Web Firewall service centering on WAPPLES Software Appliance,
a virtual appliance of Web Firewall Waffle, which is the number one market share in the Asia Pacific market as well as
domestic market.
-Korea : ‌Korea Tourism Organization (Public Agency), Ministry of National Defense (Public Agency), Ministry of Foreign
Affairs (Public Agency), KOREA POST (Public Agency), Korea Expressway Corporation (Public Agency), Samsung
Securities (Financial Institution) and Hyundai Securities (Financial Institution)
-Foreign Countries : ‌Nike (Sports Equipment Brand), SoftBank (Telecommunication) and BMW (Automobile and
Motorcycle Manufacturing)
212
Peoplefund
Representative Kim Dae-yun Incorporation Date Feb 27th, 2015
Location 29, Teheran-ro 87-gil, Gangnam-gu, Seoul, Republic of Korea (10F, M Tower)
Web Page www.Peoplefund.co.kr E-mail ask@Peoplefund.co.kr Contact +82-2-6212-0700
Enquiry Contact +82-2-6212-0700 Enquiry E-mail soohyun@Peoplefund.co.kr
P2P Investment and Form of

Loan Business
Introduction
Peoplefund is a P2P-based financial services provider. Unlike other P2P financial platforms, it provides funds through
banks when making loans.
Peoplefund was conducted a formal review by the Financial Supervisory Service (FSS) in April 2016 and is currently
negotiating the handling and examination of individual loan receivables under an agreement with JB Financial Group,
which currently has about 50 trillion won in assets. In April 2016, it launched a Peoplefund loan to expand into limited-
risk, high-yielding short-term products such as NPL bond funds, real estate brokerage, and other small-to-medium-sized
investors. The Peoplefund has attracted 1.5 billion won from 500 Startups, Start Up Accelerator (500Startups), Jubilee
and Daily Financial Group.
History
Feb 2015. The establishment of Peoplefund
May 2015. The award of grand prize in Fintech Contest (JB Finance Group)
Jul 2015. The attraction of investment from 500startups, D3 Jubilee, Daily Finance Group and others
Jun 2016. The launching of bank integrated P2P financial platform
Nov 2016. The launching of of real estate mortgage investment product
Feb 2017. The launching of cultural contents bond investment product

Peoplefund is a P2P financial platform operator.
By securing talented professionals in the financial sector, it is expanding product portfolio and improving product
composition and management expertise. It offers more economic and efficient financing to borrowers and offers new
investment proposals different from existing financing for investors. Peoplefund sends investors' funds to Jeonbuk Bank
to increase credibility, and Jeonbuk Bank takes the form of borrowing. Credit rating grades 4 to 7, which are difficult
to use for bank loans, are also eligible to receive loans and can be credited if they are repaid in earnest. Applicants can
borrow at an interest rate of 4.94 ~ 18.30% per annum depending on the credit, and investors are stable because the
bank collects bonds and overdue accounts. The 'trench' offered by Peoplefund is a structured financial product that is
made up of a number of individual loans. This investment product, which expires in 3 ~ 12 months, is invested in the
high-risk investment institution and the intermediate part of the annual 7.5 ~ 10.5% profit. Individuals are designed to
receive back the principal even if about 20% of the underlying loans are insolvent.
-Korea : ‌Jeonbuk Financial Holdings (Financial Institution)

PLATFOS
Representative Shin Young-jun Incorporation Date Oct 16th, 2015
Location 2, Toegye-ro 36-gil, Jung-gu, Seoul, Republic of Korea (Room No. 201, New Chungmuro Building, Dongguk University)
Web Page www.platfos.com E-mail rezldez@platfos.com Contact +82-2-597-0660
Enquiry Contact +82-2-597-0660 Enquiry E-mail rezldez@platfos.com
Form of
Main Service Pon gift Fintech Area Others B2B
Business
Introduction
PLATFOS is a cloud-based mobile voucher platform operator.
As online and offline linkage and omni channel services are becoming essential survival strategies for retailers, large retail
brands (commodity suppliers), local businesses such as restaurants, apps that want new revenue models, and blog web
operators want to introduce their own mobile gift vouchers.
PLATFOS aims to grow as a platform company that can transmit and use mobile products between countries and is
working with some of the world's leading global companies.
History
Oct 2015. Establishment of Platfos
Jul 2016. Moved into the Startup Center of Dongguk University
Jul 2016. The acquisition of technology certificate (Korea Technology Finance Corporation)
Nov 2016. Selected as 'First Penguin-type' company : 1 year support of the First Penguin (Korea Credit Guarantee Fund)
Nov 2016. Selected as the promising startup - intellectual property commercialization certificate (Korea Credit Guarantee
Fund)
Nov 2016. The launching of investment option guarantee (Korea Credit Guarantee Fund)

PLATFOS is a specialist that supports the issuance of mobile gift vouchers.
PLATFOS is the only third-party mobile voucher platform in Korea that provides off-line operators with O2O by providing
a mobile voucher system in a cloud form. It normally takes more than six months to build a mobile voucher system on its
own, but you can build a system in a matter of hours using the services of PLATFOS. It has eliminated initial construction
costs so that self-employed and small franchisees can easily enter.
'Phone GIFT', a platform service provided by PLATFOS, provides various systems such as issuance, sales and operation of
mobile gift vouchers in the form of SDK and API. PLATFOS is building a unique system that enables mobile gifts through
SNS and related anniversaries linked to acquaintances of other nationalities, and is preparing to advance to China and the
US.
-Korea : ‌A Twosome Place (Food and Beverage), CU (Distribution), CoffeeBene (Food and Beverage), Aqua Planet
(Aquarium), Mr.Pizza (Food and Beverage) and Cocomong Adventure (Internal Playground)
-Foreign Countries : ‌Smoothie King (Food and Beverage), Domino's Pizza (Food and Beverage), Starbucks (Food and
Beverage) and Outback Steak House (Food and Beverage)
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Pocketfintech
Representative Hwang Chang-yeon and Kim Yeong-bin Incorporation Date Jan 25th, 2017
Location 14, Dogok-ro 1-gil, Gangnam-gu, Seoul, Republic of Korea (Room No. 1113)
Web Page www.pocketfintech.com E-mail contact@pocketfunding.net Contact +82-2-6677-0524
Enquiry Contact +82-10-5112-6460 Enquiry E-mail ggengbo@pocketfunding.net
Form of
Main Service Pocket Funding Fintech Area P2P Finance B2C
Business
Introduction
Pocketfintech is a real estate-mortgage P2P platform service provider that connects personal and corporate investors
with real estate mortgage holders who need funds.
Pocketfintech pursues a space where borrowers and investors can coexist. It provides alternatives to real estate-linked
investment products that offer convenience and reasonable interest rates to borrowers and are affordable for investors.
In the case of borrowers, even if there is a collateral, it will be possible to use fast and convenient high-speed lending
services when the financing is not easy due to the conservative lending practices of banks and the difficulty of proof of
income. Investors, who can’t find a suitable investment destination, can find various products from low-risk first-rate
secured bonds to high-yield subordinated secured bonds
History
Jan 2017. Establishment of Pocketfintech
Feb 2017. The conclusion of MOU agreement for the development of website and operation system with Funny Pig
May 2017. The promotion of securities appraisal and the attraction of investor
Jun 2017. Registration into P2P Financial Association
Jul 2017. The conclusion of MOU agreement with Fidelis Asset Management

Pocketfintech provides a pocket funding, a P2P loan service.
P2P loan is a service that supports and lends money to individuals on an online platform without going through financial
institutions. Pocket funding is a real estate-based P2P loan platform that provides relatively safe real estate loan products
as a major product. The internal experts (four appraisers) have much more career experiences than other P2P platforms,
and they have developed a self-assessment system to provide services with a high emphasis on product safety. Pocket
funding is meeting an early termination of the last four products in the mid-to-low 10% range. Instead of attracting
investors by offering high returns and additional rewards, and the company is concentrating on securing superior
products by providing low-interest loans to loan customers.
-Korea : Isin Law Office (Law Office), NICE Information Service Co., Ltd (Credit Rating), Fidelis Asset Management
(Asset Management), Korea P2P Financial Association (Financial Association), PayGate (Payment Service), Hana
Accounting Firm (Accounting Firm), U&Yeon Tax Office (Tax Office) and Korea Economy TV (Newspaper)

Popcon Bankers
Representative Im Myeong-soo Incorporation Date Aug 1st, 2014
Location 242, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 312, Hanhwa Biz Metro 1(il)-cha)
Web Page www.facebook.com/groups/kimvisor E-mail ims57@hanmail.net Contact +82-10-3734-2329
Enquiry Contact +82-10-3734-2329 Enquiry E-mail ims57@hanmail.net
Form of
Main Service Secretary Kim Fintech Area FInance Platform B2B/B2C
Business
Introduction
Popcorn Bankers is a solution provider to solve asymmetric problems between information providers and consumers.
Popcorn Bankers provides a set of services to increase satisfaction of both sides by connecting consumer and sales person
directly. The business operators are engaged in marketing, advertising, design, software development and others from
financing experts (such as deposits, loans, and insurance) to legal dealers (such as automobile dealers, lawyers and
lawyers), housing related businesses (such as interior and repair) and transportation companies.
History
Jun 2015. The establishment of Popcon Bankers
Jul 2015. The application of patent for Seller Link System
Jul 2015. The application of patent for 'Electronic Payment Certificate System and Methodology of Electronic Payment
Certificate'
Jul 2015. The application of trademark rights

Popcorn Bankers is a company that solves the asymmetric problem between the eesential information what consumers
want and the sellers who want to sell the products. Popcorn Bankers' professional matching service 'Secretary
Kim' is a mobile-based comparison service application for financial products. 'Secretary Kim' provides services that
facilitate matching with financial operators while increasing convenience for customers with one touch. When sensitive
services such as loan insurance or legal consultation are used, there is a high possibility that key personal information
of consumers will leak out naturally. Even in the case of loans, it is a reality that not only the entry threshold is high, but
also the information about the history inquiry or service utilization follows like a tag. 'Secretary Kim' protects customer
information by approaching and taking into consideration the position of customers who use the service as much as
possible, and also prevents the risk of personal information leakage or hacking by utilizing one-time security number.
Based on the mobile platform, 'Secretary Kim’s’ system, which matches customers with experts in each field with one-
touch, allows customers to receive the service they want when they touch it anytime and anywhere. Even if the seller
does not go through the troublesome business, the seller can directly talk to the customer who has needs of his / her
needs when he / she is registered as a related field expert.
216
Popfunding
Representative Shin Hyeonuk Incorporation Date May 11th, 2012
Location 16, Daewangpangyo-ro 645beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (3F, NHN Play Museum)
Web Page www.popfunding.com E-mail service@popfunding.com Contact +82-31-8038-2398
Enquiry Contact +82-31-8038-2398 Enquiry E-mail an.sanghyun@popfunding.com
Form of
Business
Introduction
Pop funding is a peer-to-peer (P2P) loan platform operator.
It provides reasonable financial services to investors who have spare funds borrowers who need funds. Pop funding has
a diverse lineup of products such as home shopping vendors and undeclared sales loans, mortgage loans, real estate
insolvency bonds, performance and sound related loan services. NHN Entertainment is the largest shareholder and
attracts investment from the Silver Horn Fund in Luxembourg.
Consequently, it received '2017, Best P2P Lending Platform in South Korea' from The Asian Banker magazine, a global
financial magazine.
History
2007. The launching of Popfunding
2012. The change of company name from Korea Internet Finance to PopFunding
2015. The launching of Dongsan Secured Loan. The acquisition of venture company certificate
2016. The conclusion of fund investment agreement with SilverHorn in Luxemburg
2017. The establishment of LK Jasmin Fund. The attraction of investment from 4 PDFs. The promotion of Moonjaein
Fund

Pop funding runs the P2P financial platform to ensure that the surplus funds of society are connected to the need.
Pop-funding is providing services that enable producers to pay more profits and consumers to pay lower prices,
dramatically reducing the distribution phase of finance in line with the times when producers and consumers directly deal
with the development of Internet technology. Pop funding accepts loan application even if there is a loan to a financial
institution, whether it is a worker, not a full-time worker, contractor, bad credit, personal regeneration, bankruptcy
exemption. However, details such as the specific use of the loan amount, the repayment plan based on the monthly
average income and expenditure, and other financial specifications should be entered. Based on this, the investor
selects and invests and operates in such a way that the loans are made when the amount of money applied within the
application deadline is 100%.
-Korea : ‌NH Nonghyup Bank (Financial Institution), GP Savings Bank (Financial Institution), Hansung Savings Bank (Financial
Institution), NHN Entertainment (Remittance/Payment), SHN@KIM LLC (Legal Advise) and T&S Tax Accounting
Firm (Tax Consulting)

POPPAY Inc.
Representative Hwang In-seong Incorporation Date Sep 25th, 2015
Location 288, Digital-ro, Guro-gu, Seoul, Republic of Korea (Room No. 1708, Daeryung Post Tower 1(il)-cha)
Web Page www.poppay.co.kr E-mail billy.h@poppay.co.kr Contact +82-2-6020-2310
Enquiry Contact +82-10-3740-7294 Enquiry E-mail billy.h@poppay.co.kr
Form of
Main Service POPPAY Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Poppay provides a payment service using a sound wave technology.
By transmitting a bill to customer’s mobile phone using a sound wave, the customer can check the bill on mobile and
settles a payment.
By inputting a table number on POPCON developed by Popay, it can transmit a bill to a customer’s bill, then it pops up
automatically on the customer’s mobile phone.
It developed Poppay Kitchen monitor software, which is supplied to store owners, and it helps the store owners can
operate their stores more effectively with a fewer labors.
History
Sep 2015. Established POPPAY INC.
Jan 2016. Participated into the Fintech Final 2016 Hongkong
Feb 2016. Selected as a participating company in MWC 2016 Barcelona exhibition
Dec 2016. Winning third prize in the G-Startup Worldwide Seoul
Sep 2017. Selected as a participating company in the Global Mobile Vision 2017 (Gyeonggi Creative Economy Innovation
Center)

Poppay developed a service that sends a bill to a user's smartphone like a remote controller with a high-frequency sound
and makes a one-stop payment. Poppay will automatically pop up a bill on customer’s mobile phone when employees
transmit a bill or table number to the remote controller and then send it to the customer's smartphone. The bill is sent
in a way that puts the data on the high frequency band. After confirming the bill received from the smartphone, the
customer clicks the specified pin number and the payment is completed in the table.
Employees can input number of people then choose a split button and then it sends a divided bill to each of customer
in a table. In addition, the points are automatically accumulated in proportion to the amount of the payment, and when
receiving the bill, it is easy to make a settlement at a deducted amount by accumulated points because it can easily apply
points and coupons. Card number and other customer payment information is not given to the store, so the possibility
of illegal copying of the card is prevented. Poppay store is an interface that allows you to see at a glance the popularity of
each menu. You can check sales by menu, by date, by time, by table.
-Korea : SKY C&S (Payment Device), ZOO COFFEE (Coffee Shop) and Nice Pay (Electronic Payment)
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Power voice
Representative Jung Hee-suk Incorporation Date Jan 25th, 2002
Location 397, Seokcheon-ro, Bucheon-si, Gyeonggi-do, Republic of Korea (Room No. 1004, 302-dong, Bucheon Techno Park Ssanyong 3(sam)-cha)
Web Page www.kpvoice.com E-mail powervoice@kpvoice.com Contact +82-1544-0642
Enquiry Contact +82-1544-0642 Enquiry E-mail hylee@kpvoice.com
Speaker Identification/ Form of

Main Service Certificate, Voice Recognition Fintech Area Security/Authentication B2B
and others Business
Introduction
Power Voice is specialized in speech technology, such as speech recognition and speaker identification and
authentication. It is supplying the commercial technology to the world's leading electronic companies for the first time
in the world. Power Voice has proven to be one of the most advanced voice recognition technologies in domestic and
overseas major smart appliances, mobile phones and mobile phones. Recently, it has attracted attention as a new device
communication (M2M) in various home appliances, mobile and automobile environments based on the sound QR (Sound
QR) technology, which is a communication technology using a sound wave. It was awarded the "Mobile Technology
Grand Prize" by the Ministry of Creation Science in 2014 and is providing a new user experience that matches the Internet
of Things.
History
Jan 2002. The establishment of Power Voice
Jun 2004. The export of speaker identification/certificate service ('Voice K') to Japan
Jul 2008. Selected as the excellent product of innovative small business by Bucheon-si
Jan 2013. The development and supply of SK T-map voice recognition
Nov 2014. The award of KT Prize in Korea Mobile Technology Contest (SendToCar service)
Jan 2016. The establishment of Power Voice in ShenZhen, China (Changed into FOSHAN POWERVOICE)
Oct 2017. The conclusion of exclusive agency agreement for the speaker identification/recognition service in Central and
South America

Power Voice is a voice technology specialist. The voice service is applied to mobile phones or devices that support
biometrics (eg, iris, voice), and you can register your voice information by repeatedly speaking presented ciphertexts
5 to 7 times through ARS, or Customer service center connection and use the authentication service. It can be used
easily without any special device in a setup box, a smart speaker, and a network interlocking device such as a financial
institution as well as a thing Internet device. Standby speech recognition is a technology that is optimized for embedded
environment so that speech recognition is possible even when it is not connected to network by small capacity continuous
speech recognition technology. It operates smoothly even on a low-power, low-cost CPU, so that it can control the device
with only voice without any spare operation anytime and anywhere regardless of the distance. Noise-robust continuous
speech recognition algorithms based on call commands for long distance standby speech recognition systems support a
variety of smart home appliances with voice only at anytime and anywhere. Power Voice has a multichannel input noise
cancellation technology to overcome the limitations of conventional noise cancellation technology. It is a technique that
can eliminate static noise and dynamic noise simultaneously by using the difference between microphone input signals
which cannot be obtained with a single microphone signal.
-Korea : ‌Shinhan Financial Group (Financial Institution), Shinhan Card (Financial Institution), BC Card (Financial Institution),
K Bank (Financial Institution), KB Kookmin Bank (Financial Institution), Olleh KT (Telecommunication) and
Ministry of Science, ICT and Future Planning (Government Agency)

Pro:fit
Representative Lee Seung-yong Incorporation Date Apr 20th, 2016
Location 535, Samseong-ro, Gangnam-gu, Seoul, Republic of Korea (Room No. 305)
Web Page www.pro-fit.co.kr E-mail pro@pro-fit.co.kr Contact +82-2-539-0406
Enquiry Contact +82-2-539-0406 Enquiry E-mail kwlim@pro-fit.co.kr
Form of
Main Service P2P finance platform service Fintech Area P2P Finance B2B/B2C
Business
Introduction
Pro:fit is a P2P financial platform operator.
It is composed of financial experts from the first financial sectors such as Citibank and provides financial services suitable
for customers.
Based on accumulated know-how, it is carefully selecting the products and making sure to follow-up management. Since
the commencement of the loan service in December 2016, Pro:fit has been mainly engaged in real estate mortgage
products for Meritz Asset Management, Fidelis Asset Management, and others, and attracted the investment from
Dong-A Chemical, Korea Risk Management and others.
History
Apr 2016. The foundation of Lending Plaza (Changed the company name into Pro:fit)
May 2016. The foundation of WELEND Social Loan (Changed company name into Pro:fit Loan)
Dec 2016. The launching of Pro:fit service
Mar 2017. The attraction of investment from DongO Chemicals and others
May 2017. The attraction of investment from Korea Risk Management and others
Sep 2017. The conclusion of MOU agreement with Meritz Asset Management

Pro:fit is a company that offers a P2P financial service that allows businesses and individuals to borrow money through an
online platform without going through financial intermediaries.
In the case of bad debts handled by Pro:fit, investors do not have to worry about loss of principal in terms of seniority
because they do not take the pre-sale rights as collateral but execute the loan with the business as collateral. In addition,
Pro:fit's risk management strategies include detailed product analysis by financial professionals, independent and
specialized credit evaluation systems, safe management of customer investment funds, and investor protection system in
case of emergency.
Pro:fit has independently developed and operates a credit scoring system that combines the Application Score (AS)
model, the Demographic Lifecycle Score (DLS), and the Demographic Lifecycle Score.
It has secured a safeguard to protect investors by concluding a business alliance with a real estate NPL specialist company,
and can work on principal payments receipt business and collection of credits even when the business is suspended by
working in partnerships with the legal affairs corporation.
-Korea : ‌PayGate (Payment Service), Meritz Asset Management (Financial Institution), Fidelis Asset Management (Asset
Management), SCI Credit Rating (Claim Collection), NICE Information Service Co., Ltd. (Credit Rating), Dongin
LLC. (Law Firm) and Onnuri Appraisal Firm (Appraisal Assessment)
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QARASoft, Inc
Representative Byun Chang-hwan, Son Bo-Mi Incorporation Date Mar 20th, 2014
Location 50, 63-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (4F, Hanhwa Financial Center 63, Yeouido-dong)
Web Page www.qara.ai E-mail qara@qarasoft.com Contact +82-2-6080-8122
Enquiry Contact +82-10-2671-4048 Enquiry E-mail john@qarasoft.com
Robo-Advisor/ Form of
Main Service Financial AI Software Fintech Area B2B/B2C
Introduction
QARASoft Inc. is a Fin-tech company that develops online asset management platforms.
The goal of the company is ‘popularization of asset management’ by robo-advisor technology and it provides online
investment advisory service and asset management platform service.
By applying deep-learning technology to the financial market, it provides market analysis, euity market grpahs, and etc.
to clients and it is striving to create new utility by collaborating with financial institutions such as KB Financial Group,
Hanwha Financial Group, and etc.
We have stabilized the technology and implemented the service for more than three years since its establishment.
QARASoft Inc. judges the financial market and recommend customized financial products that fit the customers' risk
profile by using the financial AI technology.
History
Mar 2014. The establishment of QARASoft, Inc.
Jul 2014. The foundation of QARASoft Hongkong branch.
Jul 2016. The registration of patents for P2P fund structure and BM
Oct 2016. The award of Grand Prize in the Open API-based Fintech Contest (KOSCOM)
Jan 2017. The application of patent for the domestic PCT technology in U.S.A.
Jul 2017. Selected as the first fintech company to apply Open API (KOSCOM)
Sep 2017. Selected as the fintech IR in Singapore (Seoul Metropolitan Office)
Oct 2017. Selected as the Fintech Accelorator Program (KIC SV)

QARASoft presents an asset management platform for the general public.
Market Dreamer, developed by QARASoft, is a market analysis system that finds out the past that is most similar to the
current global financial market situation by learning 30 years of financial and economic indicators by itself. It utilizes
features such as market judgment, customer classification, reinforcement learning and recommendation to recommend
financial investment products suitable for current market or personal investment tendency.
The previous 1.0 version used CNN AE (Convolutional Neural Networks Auto Encoder) technology, and it is now updated
to QARA 2.0 version which has the latest technology, VAE (Variable Auto Encoder). It is a system that can replace the
existing quantitative investment model that depends on human intelligence. Its own deep learning-based robo-advisor
service not only creates algorithm according to the input and output of data, but also becomes more sophisticated
through the reinforcement process.
-Korea : ‌NAVER (IT Service), KB Asset Management (Financial Institution), Hanwha Asset Management (Financial
Institution), Hanwha Life Co. (Financial Institution), KOSCOM (Financial Institution) and Gyeonggi Center for
Creative Economy & Innovation (Government Agency)
-Foreign Countries : ‌LINE (Mobile Messenger Service)

Qraft Technologies
Representative Kim Hyoung-sik Incorporation Date Jan 31th, 2016
Location 58, Wangsimni-ro, Seongdong-gu, Seoul, Republic of Korea (Room No.517, Seoul Forest ForHu Knowledge Industrial Center)
Web Page www.qraftec.com E-mail qraft@qraft.co.kr Contact +82-2-487-8555
Enquiry Contact +82-2-487-8555 Enquiry E-mail business@qraft.co.kr
Form of
Main Service A.I. Product/Solution Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
Craft Technologies is a specialist in researching technologies that effectively apply deep learning to the financial sector.
Craft Technologies is developing application services such as artificial intelligence fund solutions and artificial intelligence
robo-adviser solutions. It has applied for a number of patents related to the Deep Learning AI portfolio engine. As a
member of 'Mirae Asset Intelligent Finance Research Center', the first artificial intelligence research institute in Korea,
the company is working with Korea University and Mirae Asset Finance Group, to develop A.I. technology that can be
commercialized in financial sector right away.
Large financial companies such as Mirae Asset Securities, Hana Bank, Samsung Securities, and Thomson-Reuters are
building successful B2C services through Kraft's AI solutions.
History
Jan 2016. The incorporation of Qraft Technologies
Oct 2016. The patent application of deep learning portfolio engine technology
Nov 2016. The development of the robo advior for the foreign futures (B2B2C)
Dec 2016. The development of customer data learning and analysis system for the Samsung Securities
Jan 2017. The market launching of 2 public offering funds that are Mirae Asset Daewoo and Craft A.I
Oct 2017. The development of AI ETF for Horizons ETFs (B2B) Horizons

Qraft Technologies is developing A.I. and deep learning technology that are utilized in financial sector.
Utilizing insights from proprietary capital trading experiences for many years and ability to structure system developments,
Qraft Technologies researches and develops technologies which can apply deep learning technologies more effectively to
financial sector. It plans to make partnerships with overseas A.I. research companies and introduce their A.I. services and
solutions to Korea and distribute.
A.I. robo-fund solution by Qraft Technologies targets asset management companies that plans to launch A.I. robo funds
by providing them a solution that it creates A.I. robo-fund by inputting individual fund’s structure, restrictions, and limits.
A.I. robo-fund solution is hybrid type that opinions of analysts and managers can be input or inserted after it is launched
through deep learning, and thus humans’ knowhows can be developed into company’s assets. In A.I. robo-fund solution,
each fund’s restrictions and conditions can be controlled by managers, and related statistics can be monitored. There are
4 public offering funds launched by global and domestic asset management companies using its solution.
A.I. robo-advisor solution analyzes customer’s tendency, customize a portfolio accordingly, and allows automatic trading
system. Qratft Technologies does not evaluate a customer’s tendency with simple questionnaires like other robo-advisor
companies but it carries out customer’s data with A.I. technology, which tracks more accurately for customer’s tendency.
-Korea : ‌Mirae Asset Daewoo, Korea, Samsung Securities, Korea, DB Financial Investment, Korea, Ebest Investment &
Securities, Korea, Korea Investment & Securities, Korea, KB Securities, Korea, KEB Hana Bank, Korea, IBK Bank,
Korea. KOREA POST (Office of Postal Service), Korea, Thomson Reuters Group, Korea
222
Quarterback Investments
Representative Jang Duyeong Incorporation Date Jun 4th, 2015
Web Page www.qbinvestments.com E-mail info@qbinvestments.com Contact +82-2-6105-6510~1
Enquiry Contact +82-10-3347-3031 Enquiry E-mail ms.shim@qbinvestsments.com

Asset management,
Investment Consulting and Form of
Discretionary Investment Business
Service
Introduction
Quarterback Investments Inc. is an asset management company for the asset allocation, which invests in diversified asset
classes such as stocks, bonds, commodities, currencies and real estate using global ETF / ETN.
Quarterback Asset Management and KB Kookmin Bank launched robo-advisor trust products. Through Robo-Adviser,
it strives to create more systematic and stable profits by maximizing the emotions of people and allocating global assets
based on financial data. Currently, QBB Asset Management is an asset allocation company based on data analysis as a
robo-advisor company, and is investing about 160 billion won in individual and institutional funds. Since its establishment
in June 2015, it has expanded into securities companies, banks, and insurance through the verification of institutional
investors and domestic financial institutions.
History
Jun 2015. The establishment of Quarterback Investments
Dec 2015. The conclusion of MOU agreement with KOSCOM
Feb 2016. The conclusion of MOU agreement with NH Investment & Securities
Apr 2016. The launching of ‘POP Robo Beta Type’ lab for Samsung Securities
Apr 2016. The launching of ‘Korea Investment Robo Lab R3, R5’ for the Korea Investment & Securities
May 2017. The conclusion of MOU agreement for the asset management service development with KOREA POST

Quarterback Asset Management is a robo-adviser service provider. Robo-advisor technologies provide an opportunity for
the public to extend the wealth management expert (PB) service that was provided to a small number of wealthy people.
It is a system that contributes to the popularization and democratization of investment. It provides a systematic analysis
of data to avoid irrational investment and helps everyone to make appropriate and stable compensation. Quarterback
Asset Management conducts asset allocation that is not affected by emotions. This means that the price fluctuations
and events that may occur in the market by investing in prescriptively established rules do not affect the psychology
and decision-making of operators. These investment rules are predestined based on data analysis. Quarterback asset
management pursues innovation. It does not stop innovating to provide better asset management services to customers
in a rapidly changing market environment. Members of the quarterback comply with law and ethics and operate their
assets transparently. Quarterback Asset Management is trying to popularize asset management services. It provides
quality asset management services that are limited to high-value-added customers at lower subscription rates and lower
fees, and offer an optimized portfolio tailored to investment goals and needs. In addition, by applying the machine
learning method to the asset allocation model, the company optimizes the allocation of assets to the constantly changing
market. By simply analyzing vast amounts of financial and economic data.
-Korea : ‌Mirae Asset Daewoo Co., Ltd. (Financial Institution), Samsung Securities Co., Ltd. (Financial Institution), KB
Kookmin Bank (Financial Institution), SK Securities (Financial Institution) and Korea Post (Transport)

Quarterback Technologies
Representative Kim Seung-jong Incorporation Date Jul 21th. 2014
Location 10, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea(18F, Three IFC, International Finance Centre Seoul)
Web Page www.quartec.co.kr E-mail info@quartec.co.kr Contact +82-2-6105-6530
Enquiry Contact +82-2-6105-6535 Enquiry E-mail chongji@quartec.co.kr
Form of
Main Service Asset management platform Fintech Area FInance Platform B2B
Business
Introduction
Quarterback Technologies is a provider of robo-advisor asset management platform services. Robo-advisor includes
an algorithm-based automated personal portfolio service and personal finance design service. In August 2015,
Quarterback Technologies launched asset advisory services for the first time in Korea, providing asset allocation
strategies for a variety of products including global ETFs, funds, and structured products. Quarterback Technologies
is a combination of developers and financial engineers, wealth managers, quant analysts, and data scientists, who
have a high level of understanding of technology and finance. Hybrid asset management service that includes life asset
and liability management functions. It includes personal financial status analysis, goal-based risk allocation, portfolio
recommendation, rebalancing and reporting functions in addition to automation port policy services.
History
Jul 2014. The foundation of Quarterback Technologies
Aug 2015. The launching of first Korean Robo-Advisor Web Service
Oct 2016. The conclusion of Advisory Agreement for hedge funds KOREA ASSET INVESTMENT SECURITIES CO.,LTD.
Oct 2016. The supply of Robo-Advisor Platform to SK Securities Co., Ltd.
Jun 2017. The conclusion of MOU agreement for the Robo-Advisor asset management with KOREA POST
Oct 2017. The launching of Syrup Wealth Robo-Advisor Service.

Quarterback Technologies is a robo-adviser service provider. It aims to popularize existing financial engineering and is
trying to popularize personal asset managers.
Quarterback Technologies' robo-advisor Palms (PALMS) is a digital platform that provides personalized asset
management services, enabling you to manage your assets for your investment objectives. Goal-based asset
management processes leverage the capital market with an emphasis on achieving individual investor financial goals,
away from product-driven perspectives. This means that even when selecting a financial product, it follows that the asset
management process is central to achieving the individual financial goal. At the core of PALMS asset management is risk
budgeting, portfolio composition, monitoring, and coordination to increase the likelihood of individual investors' long-
term and short-term financial targets to move away from the existing approach of choosing financial products based on
market changes and short term investment return rate.
Quarterback PALMS, an ALM-based hybrid rover advisor, presents optimal strategic asset allocation ratios that maximize
the likelihood of achieving goals according to individual investment goals and lifetime designs, and provides a sub-
portfolio by risk budget.
-Korea : ‌SK Securities Co., Ltd., KOREA POST
224
Rainist Inc.
Representative Kim Tae-Hoon Incorporation Date Jun 30th, 2012.
Location 13, Seolleung-ro 107-gil, Gangnam-gu, Seoul, Republic of Korea (4F)
Web Page www.rainist.com E-mail rainist@rainist.com Contact +82-2-3453-9300
Enquiry Contact +82-2-3453-9322 Enquiry E-mail ahyoung@rainist.com
Main Service Bank Salad Fintech Area B2C
Introduction
Rainist Inc. is a fintech start-up which provides a service to solve imbalance of financial information. It offers a Bank
Salad Service, which can accumulate all parts of individual finance information from asset management and customized
financial details to offer customized financial products and provides a consolidated asset management service, based on
data, algorithm, and IT.
Bank Salad service, started as a personalized credit card recommendation service in 2014, evolved to be individual’s
financial advisor analyzing nation’s biggest financial data.
It won the grand prize for Fintech Challenge Business Section by KOSCOM, and it was selected as ‘2016 Innovative
application of the year’ by Google.
History
Jun 2012. Establishment of Rainist Inc.
Jun 2014. Launching of customized credit card recommendation service, ‘Bank Salad WEB’.
Dec 2014. Conclusion of Card Recommendation Solution Agreement with IBK Industrial Bank.
Apr 2015. Award of grand prize for the Fintech Challenge Business Section (KOSCOM)
Jun 2015. Co-development of KT Mobile Wallet Application service, ‘Clip Service’.
Dec 2016. Selected as “2016 Innovative APP of the year” (GOOGLE)
Sep 2017. The expansion of Banksalad WEB recommendation product category into the investment, the loan, the
insurance, the pension and others.

Rainist Inc. offers Bank Salad, an asset management service tool. Bank Salad is a personal financial management service
for the personal finance of users from selection to management. It provides sophisticated recommendation service
based on the largest financial product data in Korea and delivers expenditure management mobile app services, which
enable card users to enjoy a reasonable consumption life, from the analysis of card benefit to the management of income
deduction. Bank Salad collects and analyzes the benefits and conditions of more than 3,400 cards and 1,100 deposits
and savings products into a calculable form. It is continuously upgraded and more sophisticated through "Chef", a
recommendation engine which can accurately calculate the conditions and limitations of difficult financial products and
quantify them up to one unit. This allows users to enjoy substantial financial benefits by adding sophisticated financial
products. As a result, users, who receive a card through Bank Salad, are able to save an additional 4% of their monthly
average consumption.
-Korea : ‌Hyundai Card Co., Ltd. (Financial Institution), KB Kookmin Card Co., Ltd. (Financial Institution), NH Nonghyp Card
(Financial Institution), Lotte Card Co., Ltd. (Financial Institution), Woori Card (Financial Institution), SAMSUNG
CARD Co., Ltd. (Financial Institution), Shinhan Card Co., Ltd. (Financial Institution), IBK Industrial Bank (Financial
Institution) and KT (Financial Institution)
-Foreign Countries : ‌Citi Bank (Financial Institution)

REAL FUNDING
Representative Park Byeong-soo Incorporation Date Feb 5th, 2015
Location 160, Seoun-ro, Seocho-gu, Seoul, Republic of Korea (Room No.902, Palace Building)
Web Page www.realfun.co.kr E-mail master@hanyang.ac.kr Contact +82-2-535-3476
Enquiry Contact +82-2-535-3476 Enquiry E-mail master@hanyang.ac.kr
Form of
Business
Introduction
Real Funding is a P2P financial platform company. Based on its professional financial knowledge, it offers safe investment
and loan services. It simplifies loan process to borrowers to make it a faster transaction.
In an era of low interest rate of 1% savings, the company can provide more than 12% annual return on investment by
investing in various projects from real esate, credit, and mortgages.
To safeguard invester’s investments, Real Funding sets up various tools such as putting up mortgage, transferring
ownership, registering the creditor, and etc. It manages thorough credit management processes and in case of default, it
also has a system that protects principals by auction, and etc.
History
Feb 2015. The foundation of Real Funding Inc.
May 2017. The development of P2P financial platform
Jun 2017. The launching of service

Real Funding provides P2P financing. For investors, it supports low-risk mortgage investments and provides loans at
medium interest rates to customers who need business funds but are not able to borrow from banks. In addition,
investors who have spare funds in the low-interest environment can have investment opportunities for higher profits.
Real Funding makes financial intermediation by considering investors' stability more than any other competitors. It does
not lure investors with past investment performance and high rate of return. As it lets investors be aware that high return
comes from high risk and understands investors worry about risks. However, Real Funding carefully scans and searches
for investment, and makes sure it has put up collaterals to protect investor’s investment. It has developed ‘FAD(Financial
Analysis & Donctoring) system’ for company’s accurate financial diagnosis. In future, it will help enterprises consulting
proffesionals to utilize in their line of work, and discover any deliberate fraudulent accounting of financial statements
made by their credit evaluation.
226
Real Identity
Representative Lee Seong-gyu Incorporation Date May 13th, 2014
Location 212, Gasan digital 1-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No.304-2, Kolon Digital Tower Aston)
Web Page www.Realidentity.kr E-mail master@hanyang.ac.kr Contact +82-10-9066-7550
Enquiry Contact +82-10-9066-7550 Enquiry E-mail master@hanyang.ac.kr
Fake Biometric Discrimination Form of

Main Service Solution Fintech Area Security/Authentication B2B/B2C
(Software and Hardware) Business
Introduction
Real Identity is a biometric authentication technology specialized company. The company has a security enhanced
technology that using biometric characteristics in which living tissue only expresses micro sweat, it features fingerprint
sensor security on smart devices such as smart phones, watches, bands, notes and pads, ID cards, and credit cards
equipped with a fingerprint sensor.
Equipped with False Biological Identification Software algorithm technology and hardware technology, Real Identity is
a pure native technology company that has been certified with about 40 patents and new technologies. In cooperation
with Korea Advanced Institute of Science and Technology, it has a patent on a technology that induces a micro sweat in a
human and a technology that detects and matches biometric characteristics.
It provides biometric authentication technology to Hyundai Motor and Samsung Electronics smartphone, and are
working on a project to install technology on Apple iPhone and Huawei smartphone.
History
May 2014. The foundation of Real Identity Inc.
Mar 2015. The application of patent for the first step of Biometric Fingerprint Certificate.
May 2015. Selected as the 1st Shinhan Futures Lab
Jan 2016. The approval of enterprise R&D center
Nov 2016. The development of biometric certificate RFID card
Mar 2017. Selected as the invested company and the finals for TIPS by POSCO
Jun 2017. The application of patent for the next generation technology 'EIS sensor' (design) technology.

Real Identity is a biometric technology company with both hardware and software technology. Micro Sweat is a software
technology for fluid recognition biometric authentication, that recognizes the fluid characteristics of fine sweat and
performs biometric authentication. It can be applied through a simple firmware upgrade while still using the existing
fingerprint sensor without changing it. Applications include smart phones, access control devices, ID cards for access
control, financial IC cards, and locks. It is equipped with this technology in mobile phones released by overseas makers,
and negotiations are under way with domestic manufacturers for mounting technology. The EIS sensor, which is the
hardware, determines the type of material that touches the sensor. It protects the product from the threat of hacking
using counterfeit fingerprints by determining whether the substance touching the sensor is finger (skin), counterfeit
fingerprint material (rubber clay, play dow, silicone, wood bond, etc.)
-Korea : ‌Shinhan Card (Financial Institution), Shinhan Bank (Financial Institution), Samsung Electronics (IT Company),
Hyundai Motor Company (Automobile Manufacturing and Sales), POSCO (Steel Industry) and Dream Tec
(Electronics Manufacturing)
-Foreign Countries : Egis Technology (Security)

Redvelvet Ventures
Representative Ryu Jun-woo Incorporation Date Nov 23rd, 2015
Location 50, 63-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (4F)
Web Page www.bomapp.co.kr E-mail abc@bomapp.co.kr Contact +82-1544-2947
Enquiry Contact +82-10-7207-2947 Enquiry E-mail okkim@bomapp.co.kr
Form of
Main Service BOMAPP Fintech Area Others B2B/B2C
Business
Introduction
Redvelvet Ventures Corp. is an insurtech company providing a service called Bomapp, which delivers lacking information
to insured clients to improve satisfaction and reliability.
Bomapp is a total insurance management application that allow clients to mange different insurances one contracted
in one application. It allows users to check and contents of each insurance from life insurance, liability insurance, car
insurance, and etc.
The company was selected as a one of the 6 Month Challenge platform businesses (Seoul Creative Economic Innovation
Center), and it received the award of Grand Prize in the Insurance Management Section (Mobile Award Korea Finance
Area).
The company doesn’t sale any specific insurance to provide the neutral service unbiased of any insurance. It launched a
paid service for insurance planners for its profitability.
History
Nov 2015. The foundation of Redvelvet Ventures Inc.
Apr 2016. The launching of Red Box (BOMAPP MVP Model)
Aug 2016. Selected as a foundation support business for leading venture company
Sep 2016. Selected as a beneficiary in the Fintech Center by DREAMPLUS 63 project of Hanwha Life Corp.
Nov 2016. Selected as one of the 6 Month Challenge platform businesses (Seoul Creative Economic Innovation Center)
Apr 2017. The award of Grand Prize in the Insurance Management Section (Mobile Award Korea Finance Area)
Jul 2017. The launching of charged service for BOMAPP design.
Sep 2017. The award of Minister Prize for the Korea Digital Business Innovation Contest (Minister of Smali and Venture
Business)

Red Velvet Ventures introduces a Bomapp, an integrated insurance management application that collects and then
displays all insurances, of which an individual joined in one place.
It is possible just by a single mobile phone authentication process. Through Bomapp, one can see various insurance-
related information and statistical data at a glance, including the number of double insurance subscriptions, the
confirmation of excessively insured items, the number of holding contract, the monthly insurance premium, guaranteed
contents of each insurance, the details of special agreement and the termination refunds.
The compensation experts in Bomapp provide objective diagnosis and analysis services based on the data-based
statistical data including the provisions and terms of insurance products in each insurance company, the analysis and
diagnosis data of each client and the disease rate. In addition, it has the function to easily make claims on mobile. After
attaching and signing necessary documents (for example, personal details and accident reports), it checks the written
claim forms and sends it by fax by pressing the button to easily complete the claim. This application can be available 24
hours a day, and one can call for help immediately when one exercises his/her insurance rights. The company supports
the response service in which insurance specialists and Bomapp respond the questions related to insurance.
Finally, Bomapp offers card format news related to common senses in the field of insurance based on the data of
insurance diagnosis, analysis and insurance general inquiries.
-Korea : ‌Hanwha General Insurance Co., Ltd. (Financial Institution)
228
Rencar
Representative Kwag Gweon-il Incorporation Date Nov 13th, 2015
Location 189, Seongam-ro, Mapo-gu, Seoul, Republic of Korea (Room No. 1605, 16F, SME DMC Tower)
Web Page www.rencar.co.kr E-mail develop@rencar.co.kr Contact +82-1600-8348
Enquiry Contact +82-10-2574-9524 Enquiry E-mail kimsw@rencar.co.kr
Form of
Main Service Rencar Fintech Area Others B2B/B2C
Business
Introduction
Rencar developed and offers a service for O2O rental cars brokerage platform. Started off as car insurance debit and
credit brokerage service, it now expands to automobile aftermarket and general short-term rental business. It is becoming
a bridge between small and medium-sized rental car companies lacking sales force and mobile and web-based users who
need rental cars on insurance after incidents by reverse auction style.
In 2016, it launched Rencar, insured rental cars direct transaction platform, and signed a partnership with the National
Bus Mutual Aid Association. It also made a partnership with AXA Non-Life Insurance and Meritz Insurance. It also signed
a contract with the Insurance Development Agency to provide car history information.
History
Nov 2015. The establishment of Rencar.
Apr 2016. The launching of direct rental car platform, 'Rencar', for the insurance rental service.
Jun 2016. The conclusion of partnership agreement with National Bus Mutual-Aid Association
Sep 2016. The presentation in the Fintech Demoday (Financial Supervisory Service)
Jan 2017. The promotion of early reward team pilot test for Samsung Fire Insurance.
Mar 2017. The conclusion of partnership agreement with AXA Direct and Meritz Fire & Marine Insurance.
May 2017. The conclusion of “car record data supply” agreement with Korea insurance development institute.

Rencar provides a brokerage platform service with a focus on situations where car rentals are needed after an accident.
The company has selected exclusive 150 proven car rental companies nationwide and has increased its reliability. These
150 car rental companies hold more than 10,000 cars from light cars to expensive imported cars. By introducing a reverse
auction price bidding system, it provides a variety of models and services through user-centered price auction rather than
supplier-centered simple price information delivery. Whereas usual process takes 20 to 30 minutes on average to get a
rental car on insurance after accident, it now can be completed within five minutes from a customized offer to a vehicle
selection. Instant delivery of rental requests and rental offers real-time alerts and free pickup and delivery services. All cars
of the rental shop are self-insured.
-Korea : ‌National Bus Mutual-Aid Association (Association), Korea Taxi Mutual-Aid Association (Association) and Meritz
Fire & Marine Insurance (Financial Institution)
-Foreign Countries : ‌AXA Direct (Financial Institution)

Rich & Co. Inc.
Representative Han Seung-Pyo Incorporation Date Feb 20th, 2006
Location 41, Sejong-daero 9-gil, Jung-gu, Seoul, Republic of Korea (3 ~ 8F, Pacific Tower)
Web Page www.richnco.co.kr E-mail brand@richnco.kr Contact +82-2-6288-5000
Enquiry Contact +82-10-9403-0833 Enquiry E-mail raypark@richnco.kr
Number of Employees 2,500 Starting Capital 180,000,000 Won
Insurance Comparison and Form of

Main Service Sales Service Fintech Area Others B2C
(Insurance Agency) Business
Introduction
Rich& Co., Inc. is an insurtech company, focusing on insurance related service. It also has network with 30 domestic
insurance companies, 500 professional counselors (RM) and 1,500 large-scale design personnel (RP). In addition to
insurance comparisons, Rich& Co. Inc Which aims to become a comprehensive financial services company through
individual and corporate financial consulting, changed its name from 'Rich Planner Consulting' to ‘Rich& Co.’ in February
2016. By renaming the company, it declared its vision as a Korea’s top fintech centered comprehensive financial services
company. Launched in September 2016, Good Rich App allows you to view and manage all your insurance products at a
glance and lead you to a wise and correct insurance life through various marketing campaigns. In 2018, the company will
renew the “Good Rich app” to adjust to the fintech era where all financial businesses can be done in a phone. Through
the renewed Goodrich app will provide consumers with a variety of technical cooperation with Big Data such as auto
insurance, general insurance integrated management, simplified insurance claim service, and customized insurance life
service.
History
Feb 2006. Establishment of Rich & Co. Inc.
May 2006. Launched the online insurance comparison & sales business
Mar 2015. Won the grand prize in the Korea Customer Satisfaction Brand
Jun 2016. Officially launched an investment service, Good Rich Plan 20
Sep 2016. Officially launched an insurance billing service.
May 2017. Opened the O2O Insurance Service Lounge, "The first Good Rich Lounge in Gangnam”
Jul 2017. Launched the comparison application for Good Rich Direct Car Insurance

Rich & Co is providing various insurance-related services based on the information technology. Its car insurance
comparison service, 'Goodrich Direct', is designed to give clients the preview of how much the premium will be before
the purchase of car. It automatically calculates the premium, which can vary depending on various conditions (for
example, driver's range, vehicle model and collateral contents). The 'Goodrich App', an integrated insurance management
service, enables clients to claim their insurance premium to each insurance companies: the proxy submission will be
completed only If one fills out the claim form and submits only documents, such as receipts and medical certificates. Also,
one can check and manage the status of insurance contract at a glance. Even if one does not have insurance from Rich
& Co., one can manage integrally his/her whole insurances based on the insurance policy registration and even claim
the insurance. In addition, Rich & Co operates an insurance comparison website. It offers the reasonable comparison &
recommendation service to analyze over 200 insurance policies and then join, which enables clients to select their best
insurance based on the exact insurance information and efficient insurance design. Also, it proposed the most available
data from 429 insurance comparison experts ('Rich manager'), who compared 30 insurance companies and 500
products in them to enable clients decide the best choice. Also, the company has an offline financial service, 'Goodrich
Lounge', to provide financial and investment consulting services in the retirement and financial design environment with
related specialists. Besides, it holds financial education and seminars on various subjects.
-Korea : ‌JTBC (Broadcasting Company), OBS (Broadcasting Company), SBS SNBC (Broadcasting Company), Kakao (IT
Service), Zoom Internet (Search Engine), NHN Entertainment (IT Company), Viva Republica (Fintech Platform)
and My Real Plan (O2O Service)
230
Ripple4y Ltd.
Representative Hwang Chun-Il Incorporation Date Apr 25th, 2014
Location 21, Baekbeom-ro 31-gil, Mapo-gu, Seoul, Republic of Korea (Room No. 804, Seoul Startup Hub)
Web Page www.ripple4y.com E-mail Support@ripple4y.co.kr Contact +82-1644-2817
Enquiry Contact +82-10-3721-5182 Enquiry E-mail Deokhee.han@ripple4y.co.kr
Form of
Main Service Ripple Exchange Fintech Area Blockchain B2C
Business
Introduction
Ripple4y Ltd., established in April 2014, it operates an exchange for cryptocurrency, Ripple. It started from the question
‘how to send a hunk of bread wholly to African boys and girls without high remittance charge.’, which becomes new
technology innovation of fintech. Ripple4y Ltd. can provide the same ‘remittance service’ as commercial banks, as
Ripple is a competitive currency especially in the remittance system. Block Chain 2.0 (For Bit Coin, Block Chain 1.0),
upon which Ripple currency is based, can make quick remittance within 2 to 3 secs. Ripple4y Ltd. will advance into the
payment market so that we will offer the total service of block chain consisting of a combination of virtual currency multi-
exchange, overseas remittance service and O2O payment platform. In 2016, it has acquired a venture capital certificate
and it has received the award of grand prize in 2017 Korean Frontier Award.
In 2017, it attracted investments of 250 million won by crowd-funding.
History
Apr 2014. The establishment of Ripple4y Ltd.
Mar 2015. The launching of Ripple Exchange Service.
Jun 2015. The official registration in the International Ripple Business Association.
Nov 2015. The award of grand prize in the International e-Business Academy Technical Innovation Award
Feb 2016. The acquisition of Venture Company Certificate.
Nov 2016. The award of grand prize in Seoul Foundation Expo.
Feb 2017. The award of grand prize in 2017 Korean Frontier Award.
May 2017. The attraction of 250 million won investment through the crowd fund.

Ripple4y Ltd. is running an exchange for Ripple, a virtual currency. Ripple, which secures a differentiated position in the
field of international remittance service, can remit money to any person in the world using his/her currency in just a few
seconds. With Ripple, one can transfer, trade and payment his/her money quickly and exchange it with all currencies
in the world. Ripple Wallet provides the powerful and safe management and storage service for Ripple Coin, allowing
one to quickly and easily transfer money anywhere and anytime. Ripple is growing as a global fintech leader based on
company’s strong security and encryption. Therefore, some of the world's leading banks, including the U.S., Germany
and Europe, are quickly adopting ripple payment systems.
-Foreign Countries : ‌Ripple Co. (Virtual Currency)

Roof Funding
Representative Min Choong-gi Incorporation Date Act 1st, 2015
Location 108, Bongeunsa-ro, Gangnam-gu, Seoul, Republic of Korea (13F, Glaston Building)
Web Page www.rooffunding.com E-mail contact@rooffunding.com Contact +82-2-2088-8698
Enquiry Contact +82-2-2088-8698 Enquiry E-mail contact@rooffunding.com
Form of
Main Service Roof Funding Fintech Area P2P Finance B2C
Business
Introduction
Roof Funding is a peer-to-peer (P2P) platform that focuses on real estate development and provides capital and
investment opportunities to businesses and investors. Established in 2015 by experts from Goldman Sachs and LG
Electronics and others, the company has established a close relationship with financial experts with extensive experience
in various fields of global financial markets and senior partners of Kim & Chang Law Office, one of the top legal advisors
in Korea. Real estate investment products on Roof Funding are making return rate of investment on average 18%, and
by 2017, the default rate is 0%. Roof Funding is committed to managing safe investments so that there are no investors
who suffer losses. In addition, investors will be able to invest in high-quality products with little investment, starting from
100,000 won, which breaks a general belief that investment is only for high asset owners.
History
Oct 2015. The foundation of Roof Funding.
Sep 2016. The capital increase into 23 million won.
Sep 2016. The award of first rank for the service innovation brand in ‘The Customer Preference Brand Index’ (The Kukmin
Ilbo)
Oct 2016. The capital increase into 3,001 million won.
Oct 2016. The attraction of 5 billion Won from KIPVC, K Venture Group and others.
Jul 2017. The launching of first ‘Speed Smart Phone Investment’.
Sep 2017. The achievement of total 140 billion investment.

Roof Funding is a P2P financial platform provider that offers high returns to its customers by investing in differentiated
various projects. Among the major projects, there is a high yield real estate funding that takes investment from little
as 100,000 won. It attracts multiple investments for construction costs for building Villas, multi-family houses, office
buildings, and medium sized buildings. This allows an investment return rate of 18% per year, and it reduces its risk by
putting them up collateral securities.
Another project is 'Speed Smartphone Funding'. By investing in the smartphone purchase fund of the mobile phone
dealership, an investor can collect the principal in two months because the dealership can settle the purchase price of the
smartphone from the communication company within 45 days.
It also introduces second-month used car funding with maturity of two months. By investing in used car buying funds
of used car distributors, used cars can be depleted in most 38 days because of good return, and investors can get
investment back in two months.
-Korea : ‌Korea P2P Finance Association (Public Institution)
232
ROUM IT
Representative Park Seung-hyun Incorporation Date Jan 11th, 2016
Location 28, Digital-ro 30-gil, Guro-gu, Seoul, Republic of Korea (Room No. 819, Mario Tower, Guro 3-dong)
Web Page www.logintalk.kr E-mail info@roumit.com Contact +82-1544-0998
Enquiry Contact +82-1544-0998 Enquiry E-mail logintalk@roumit.com
Form of
Main Service Fintech Log-in/Security Fintech Area Security/Authentication B2B/B2C
Business
Introduction
ROUM IT is a login-related platform development company, offering safe and convenient log-in solutions to relieve
inconvenience for users. It helps users easily retrieve forgotten IDs and passwords, which in turn also saves unnecessary
expenses especially to companies. ROUM IT issued many patents, including 'Login Authentication Server and its
Operation Method' and 'Virtual Keypad Domestic Patent and Messenger Service PCT'. The company launched the official
version of LoginTalk 1.0 on January 2018.
History
Jan 2016. The foundation of RoumIT
Feb 2017. The participation into Seoul Venture Incubator (SVI Venture Company Association)
Feb 2017. The application of patent for Log-in Talk
Aug 2017. The runner-up in 2017 Venture Summer Forum
Aug 2017. Selected as one of the excellent patect technology companies (IP Narae)
Sep 2017. The establishment of enterprise R&D center.
Nov 2017. The registration of patent (How to share the security of computer).
Nov 2017. The registration of trademark for Login Talk
Nov 2017. The application of 5 patents and trademarks for virtual keypad and others.
Jan 2018. The release of Log-in Talk Ver. 1.0

ROUM IT is a service provider, which offers a simpler and safer log-in method. ROUM IT launched Login Talk, which
supports log-in services only using mobile phone number without additional installments of programs and also ensures
higher safety derived from its own compound authentication and encryption technology. A process of using Login Talk
for anyone is very simple as follow: On the log-in screen, one enters one’s mobile phone number and click ‘Login’ button.
Then, one confirms the contents sent to the messenger and click ‘Approve’ button; it completes the approval process in
the security method a user set before (including simple password), and the automatic log-in of web service is finished.
Existing social log-in services have limitations in the security of service, including the dependence on and accidental
exposure of ID/PW. However, Login Talk provides safer and easier management methods without using ID/PW.
ROUM IT enables companies to log-in and manage their memberships with ease only using API in their website and
applications without the development of complex and inconvenient log-in system. It provides the convenience to many
companies to link their service to Login Talk in short period of time by offering online channels.
-Korea : ‌Cocoon (Financial Institution), Softzion (CRM Solution and Company Marketing Alliance), Galaxiacommunications
(PG and Payment), Sejong Telecom (Telecommunication), Rehobot (Incubating) and others.

SBCN
Representative Lee Seung-yeop Incorporation Date Jul 29th, 2014
Location 12, Gukhoe-daero 70-gil, Yeongdeungpo-gu, Seoul, Republic of Korea (5F, Daesan Building)
Web Page www.sbcn.co.kr E-mail john@sbcn.co.kr Contact +82-2-719-5500
Enquiry Contact +82-2-719-5500 Enquiry E-mail dghwang@assetplus.co.kr
Form of
Main Service Investing Master Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
SBCN is a start-up offering robo-advisor and a platform based on the analysis of big data and AI. It provides Robo-
Advisor services for diverse client groups from securities corporations, management companies and others. It has been
recognized for the stability and technology of algorithm by passing the Test Bed held by Financial Services Commission.
It has developed global version of Robo-Advisor to advance into the global service market and expanded the business
area.
History
Jul 2014. The foundation of SBCN Inc.
Jan 2016. The application of 2 patents for Investment Management and Auto Sales Module System
Jun 2016. The supply of signal maker overseas futures algorithm to Hana Financial IT.
Aug 2016. The development of DNN-based asset management robo-advisor system for M Asset Management
Feb 2017. The release of ‘Investing Master’, an A.I. and Big data-based Securities Information Supply’ service for Kiwoom
Securities.
Apr 2017. The pass of government authentication robo-advisor testbed
May 2017. The release of overseas ETF robo-advisor product for Hangaram Investment Advisor.

SBCN provides a robo-adviser service. Robo-advisor service offers personalized portfolio for customers who want stable
asset management and customers who seek high profitability. Currently, they are offering services such as “Investment
Master‘ in stocks, “Coin Master” in Coin, and “Master of Ports” in Portfolio.
The stock application for individual investors ‘Expert in Investment’ is providing services through partnership with
brokerage firms and delivers real-time market conditions, themes and sectors, portfolio recommendations, and stock
information. In ‘Coin Master’, it has released a coin-dedicated signal and information app, and issue coins. ‘The Master
of Port’ is introducing a foreign ETF portfolio dealing with overseas ETFs, overseas assets and overseas stocks, as well
as domestic stocks and domestic ETFs bundled with domestic ETFs. Global robo-adviser service analyzes investment
propensity to create customized portfolio, automatically recommends portfolio according to individual tendency, and
performs account information and management according to individual total assets.
-Korea : ‌Shinhan Financial Group Co., Ltd. (Financial Institution), Kiwoom Securities (Financial Institution), Hana Financial
Investment (Financial Institution), E-best Investment Securities (Financial Institution), Mirae Asset Management
(Financial Institution), Hanhwa (Manufacturing), Koscom (Securities Computerization) and DIREA (IT Company)
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SBI Cosmoney
Representative Kim Jung-uk Incorporation Date Aug 1st, 2017
Location 8, Teheran-ro 98-gil, Gangnam-gu, Seoul, Republic of Korea (2F, KT&G Daechi Tower)
Web Page www.sbicosmoney.com E-mail cs@sbicosmoney.com Contact +82-2-6951-0770
Enquiry Contact +82-10-9448-0317 Enquiry E-mail Claire.park@sbicosmoney.com
Form of
Main Service SBI Cosmoney Fintech Area Remittance (Overseas) B2B/B2C
Business
Introduction
SBI Cosmoney is an overseas remittance service provider; SBI Cosmoney was established on Aug, 2017 by SBI Remit, a
Japanese overseas remittance company, and Coin Plug, a cryptocurrency and block-chain company in a form of joint
venture.
Also, it is a subsidiary of SBI Fintech Solutions, a Fin-tech solution provider which provides the payment, the social loan,
the international remittance, the unified management of online asset information and others.
History
Aug, 2017. The foundation of SBI Cosmoney
Jan, 2018. The completion of registration for overseas remittance service.

SBI Cosmoney provides overseas remittance services at a lower rate than that of existing financial companies. Currently,
the coverage of service includes the Philippines, Indonesia, Vietnam, Nepal and others, and it will expand into over 230
countries. Specifically, SBI Cosmoney has simplified the process of complicated overseas remittance and lowered its
commission rates. As there is no brokerage fee in its service, it is possible for clients to use at a lower price. However, the
transfer time depend on the country (from 10 minutes to 24 hours). It increased the security by making use of block-chain
technologies. Its service works as follows. First, select the country to be remitted and enter the amount of remittance.
Then, confirm the final remittance information after entering the information of payee. After applying for the remittance,
one can check the progress of remittance request in the transaction history.

Secureone
Representative Kim Tae-sik Incorporation Date Feb 19th, 2005
Location 3, Hangang-daero 98-gil, Yongsan-gu, Seoul, Republic of Korea (11F, KCC IT Tower)
Web Page www.secureone.co.kr E-mail admin@secureone.co.kr Contact +82-2-6090-7690
Enquiry Contact +82-2-6090-7690 Enquiry E-mail admin@secureone.co.kr
IT Security Form of
Main Service (Consulting/Control/Solution), Fintech Area Security/Authentication B2B
Virtualization and Data Backup Business
Introduction
Secureone is a security service provider in the information technology infrastructure. The integrated security control
center is responsible for the security of the customer's information technology infrastructure in real time, 24 hours a day,
365 days a year. It provides leasing and construction services for integrated security management services and security
equipment. It also provides various solutions and technology bases for efficient operation of our customers' systems. In
line with rapidly changing information technology trends, including ubiquitous computing, the company is diversifying its
business to support customers in a stable information technology operating environment.
History
Feb 2005. The foundation of Secureone
Jan 2006. The extension of Security Control Center and the launching of security control service brand (SecureOne).
Apr 2007. The launching of analysis service for web/network vulnerable point.
Aug 2011. The launching of PIMS development consulting for Social Security Information Service.
Apr 2012. Selected as a security control company by Ministry of Knowledge Economy.
Mar 2014. Selected as a data security consulting company by Ministry of Science, ICT and Future Planning.
Jul 2015. The launching of electronic government data security consulting for Korea Internet & Security Agency.

Secureone provides an outsourcing service that safely protects and manages customer information systems 24 hours a
day, 7 days a week. To protect customers from cyber security risks, the company installs and operates security systems
suitable for customers. It provides real-time monitoring of customers' information technology infrastructure through the
Security Control Center, and it offers security services to diagnose and respond to various threats in advance.
It securely manages customer information assets through data backup services and antivirus services through the Control
Center. Hybrid analysis combined with dynamic analysis and static analysis, and cloud analysis are carried out. It also
provides backup and disaster recovery solutions. NetBackup is a solution that can recover data from tape, disk, snapshot
or cloud in physical or virtual environments as needed. Supporting VMware and Hyper-V, it also adopts a function that
consolidates backup, de-duplication, replication, snapshots, and appliances.
-Korea : ‌Korea KCC Information & Communication (SI Solution Supply), SysOne (System Consulting), KCC Motors
(Automobile Sales and Maintenance), Jongha E&C (Building Construction), Jongha Scholarship Committee
(Scholarship), Younglimwon Softlab (ERP Solution Supply) and Sysware (Software Development)
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SendBird Co.
Representative Kim Dong-shin Incorporation Date Oct 13th, 2014
Location 45, Seocho-daero 74-gil, Seocho-gu, Seoul, Republic of Korea (13F)
Web Page www.sendbird.com E-mail sales@sendbird.com Contact +82-2-555-4654
Enquiry Contact +82-10-9233-9410 Enquiry E-mail yaekyum@sendbird.com
Form of
Main Service SendBird Chat API Fintech Area Others B2B
Business
Introduction
SendBird is a software service provider which develops Chat API and Chat SDK. Headquartered in Silicon Valley, R&D
center is operated in Seoul. It provides all services that corporations need in order to load premium messengers such
as Kakao Talk or WeChat to their own messenger service while maintaining their brand and user experiences. It also
supports expandability and premium chatting function.
In 2016, it participated in Y Combinator program, a Global Startup Accelerators, and attraced investments.
History
Oct 2014. The foundation of SendBird Corp.
Jan 2015. The launching of SendBird Chat API
Dec 2015. The award of Great Startup Prize in Creative Economy Company Contest
Feb 2016. The participation into Y Combinator Winter 2016 and the investement attraction
May 2016. Selected as the 10th KB Starters
Jan 2017. Selected as the 2016 top new development tool by StackShare
Mar 2017. Selected as the member company of K-ICT BornToGlobal Center for a second time.

SendBird provides Chat API and Chat SDK. Chatting API and messaging SDK are a universal solution supporting all
elements in one-to-one chatting, one-to-many chatting, group chatting, open chatting and others. Currently, more than
6,000 services are provided with SendBird solution.
SendBird’s solutions’ main use cases include the interactive commerce between buyers and sellers, the chatting between
game users, the chatting between companies or experts in business collaboration, and the remittance and chatting
between users in any Fin-tech business. SendBird’s solutions can be applied to the entire process of communications
between a user and a user, an user and a company, or a company and a company. The company owns stability
technologies (including the 99.9% Up Time, the stabilization at the time of traffic surge, the caching and load balancing,
and the automatic server recovery) as well as the design ability to expand servers horizontally and diversify infrastructure
across the world necessary for the advancement into the world market. Also, it has the ability to maintain and manage
a server which holds a couple of ten thousand participations across the world and the auto-segmentation capability. In
addition, the company secures the technology necessary to maintain the safety and data usage of server, which becomes
exponentially large as its participants increase, at a most reasonable cost.
-Korea : KB Kookmin Bank (Financial Institution) and Katenoid (Online Video)
-Foreign Countries : ‌Bright Cove (Online Video) and Amazon Web Service (IT Company)

Sentbe
Representative Choi Sung-uk Incorporation Date Sep 25th, 2015
Location 45, Centum dong-ro, Haeundae-gu, Busan, Republic of Korea (Room No. 101)
Web Page www.sentbe.com E-mail support@sentbe.com Contact +82-2-332-0372
Enquiry Contact +82-10-8957-2910 Enquiry E-mail bruce@sentbe.com
Form of
Main Service Sentbe Fintech Area Remittance (Overseas) B2B/B2C
Business
Introduction
Sentbe is a specialist in providing overseas remittance service established in September 2015. Sentbe’s overseas
remittance service is up to 95% cheaper than existing banks. You can request a remittance anytime, anywhere, and you
can receive in various ways including from banks. Overseas remittances are available by either virtual money transaction
method or pooling and free pooling method, with an average of one hour depending on each method. So far, the
company provides services in Philippines, Vietnam, Indonesia, Japan and China. It is preparing to expand to Thailand and
Malaysia. The company participated in Chungnam Creation Economic Innovation Center 's overseas commercialization
program and was selected as a Fin-tech demonstration business by Seoul Special City. In December 2017, it acquired a
license from the government for a small amount overseas remittance business.
History
Sep 2015. Selected as the 6th Global Accelerator Spark Labs and the investment attraction of starting capital
Nov 2015. Selected as the 2nd 1QLab by KEB Hana Bank and the conclusion of MOU agreement
Mar 2016. The attraction of angel investment from WiseWide Inc.
Aug 2016. The award of Grand Prize in Fintech Award hosted by Maeil Economy
Sep 2016. Selected as the occupant of DreamPlus 63 for the fintech encouragement by Hanhwa Group
Nov 2016. Selected as Global Enterprise Promotion (GEP) program by Chungnam Creative Economy and Innovation
Center.
Mar 2017. Selected as a fintech demonstration business by Seoul Special City.

Sentbe is a licensed overseas remittance service provider. With Sentbe, one can apply for remittance service anytime
and anywhere within 1 minute and it supports receipts within from 30 minutes up to 24 hours. Recipients can receive
at major pick-up centers in addition to banks. It is easy to send money abroad through Sentbe. First, one proceeds to
register for a membership and authentication. After signing up for the membership in the web site of Sentbe, one follows
the authentication process through a mobile phone, bank account or ID card. Once the account becomes active, select
the request of online remittance. Then, deposit the amount to be remitted into user’s Sentbe account, and receive the
status of remittance in real time through a short message.
-Korea : ‌KEB Hana Bank (Financial Institution), KOBIT (Virtual Money Exchange), Coinone (Virtual Money Exchange) and
Bithumb (Virtual Money Exchange)
-Foreign Countries : ‌Garuda Indonesia (Airline), Philippine Airplane (Airline), Coin Check (Virtual Money Exchange) and
Bitcoin.co.ic (Virtual Money Exchange)
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Settlebank
Representative Choi Gyeong-il and Lee Gyeong-min Incorporation Date Oct 19th, 2000
Location 42, Seocho-daero 46-gil, Seocho-gu, Seoul, Republic of Korea
Web Page www.settlebank.co.kr E-mail cwmoon@settlebank.co.kr Contact +82-2-588-2722
Enquiry Contact +82-2-588-2722 Enquiry E-mail cwmoon@settlebank.co.kr
Finance VAN and Form of

Simple Payment Service Business
Introduction
Settlebank specializes in electronic payment services. Started with virtual accounts relay service, it now provides services
throughout the integrated payment area. It supports virtual accounts, firm banking, simple account settlement, electronic
settlement, local specialization services, and school banking services. It is ranked first in terms of virtual accounts market
share and is leading the market by introducing the account-based payment service for the first time in the industry.
Settlebank provides virtual accounts and firm banking services to government agencies such as the National Tax Service,
the Korea Customs Service, the Supreme Court, the Korean Intellectual Property Office, KT and KEPCO, and 190
municipalities including Seoul City and electronic commerce companies such as Gimarket, Auction and Coupang.
History
Oct 2000. The establishment of SettleBank
Oct 2000. The service launching of NH virtual account
Nov 2003. The launching of integrated relay system for the virtual account service
Aug 2007. The development of local tax receipt system for the virtual account
Sep 2011. The open of PG service
Apr 2015. The service launching of simple account payment (for Ebay)
Jun 2017. The service launching of Firm Banking service for NH Investment & Securities

Settlebank offers a variety of payment services.
Easy payment is a service in which cash is paid through the registered account once the account is registered and the
password is entered at the time of payment. Merchants can simplify the payment process to provide convenience to the
customer and the buyer can process the payment without installing a security program and a separate application.
Electronic payment is an electronic payment service that enables customers to make payments by using credit cards
and other payment methods when purchasing from shopping malls. Being an affiliate with Settlebank makes it possible
to take all domestic credit card settlements. It is easy to manage through settlement system of approval, purchase and
settlement of Settlebank and supports real time credit card settlement. A virtual account is a deposit-only account that
is assigned to a customer to facilitate the collection of funds by an institution having a large number of customers. There
is no need for separate payment confirmation process and manpower, and cost reduction and work efficiency can
be improved. G-Banking is a convenience service for local tax collection services in local governments through a real-
time virtual account management system with one account per one person. Firm banking is a service that enterprise
customers use in connection with banking system to send and receive transaction information when various funds are
paid and collected. The company supports automatic expenditure and accounting processing by enabling automation of
expenditure work and connection of internal systems without visiting banks or Internet banking.
-Korea : ‌Payco (Simple Remittance/Payment), Kakao Pay (Simple Remittance/Payment), Interpark (IT Company), National
Tax Service (Public Institution), MND Welfare Agency (Public Institution), KEPCO (Public Institution), Supreme
Court (Public Institution), SK Telecom (Telecommunication Company), KT (Telecommunication Company) and LG
U+ (Telecommunication Company)

SHINHUNG CO,. LTD.
Representative Park Sang-bok Incorporation Date Jan 1st, 2015
Location 30, Baekjegobun-ro 40-gil, Songpa-gu, Seoul, Republic of Korea (2F)
Web Page www.mystockhero.com E-mail mif@mystockhero.com Contact +82-2-6945-1700
Enquiry Contact +82-2-6945-1700 Enquiry E-mail mif@mystockhero.com
Main Service Financial Service Fintech Area B2B/B2C
Introduction
Shinhung, which had been focusing on manufacturing business, has started securities information service since 2016 to
expand its business in purpose of seeking new growth power.
‘Masters Investment Formulas,’ securities information service launched by Shinhung, provides mobile based services
utilizing strategies of investment experts.
Through its service, it supports everyone to gain experts’ investment know-hows and invest in stock on their own. It has
entered into a partnership with investment related corporations as well as personal investors.
History
Jan 2015. The company division of Sinheung Inc.
Dec 2015. The foundation of Fintech TF team
Aug 2016. The beta service of application, ‘Masters’ Investment Secrets’.
Nov 2016. The launching of ‘Masters’ Investment Secrets’
Sep 2017. The broadcast of Stock Market Travel ‘Masters’ Portfolio’ in Korean Economy TV

Shinhung provides securities information through an application called ‘Masters Investment Formulas.’ By providing
mobile-based online stock discovery service, individual investors can benefit from exclusive service benefits that have
been received by high capital investors and institutional investors. Depending on the user's investment style, it can provide
excavation services tailored to the domestic market, find a suitable investment style, and receive mentoring services. The
'Masters Investment Formulas’ is helping to start investment according to the trend by dividing the pool of outstanding
stocks with the potential of trading up to 100 days and long-term investment up to 100 days into a value investment, a
growth investment and a weighing investment. The company modularizes investment strategy algorithms of world-class
investment fields to find and deliver selected stocks every week.
-Korea : WOW Korean Economy TV (Financial Information Supply) and E-tomato (Financial Information Supply)
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Smart Fintech
Representative Choi Chang-soo Incorporation Date Jan 7th, 2016
Location 10, Hakdong-ro 24-gil, Gangnam-gu, Seoul, Republic of Korea (Room No. 702, Sewang Building)
Web Page www.smartfunding.co.kr E-mail ydjchoi@gmail.com Contact +82-2-3411-7749
Enquiry Contact +82-2-3411-7749 Enquiry E-mail ydjchoi@gmail.com
Form of
Main Service Smart Funding Fintech Area P2P Finance B2B/B2C
Business
Introduction
Smart Fintech provides a P2P (peer to peer) loan type brokerage platform service by combining the finance and the
information technology. The company established Smart Fintech Corp., (a platform management corporation) which
offers P2P real estate mortgage crowd funding services via online in January 2016 and Smart Funding Corp. (a credit
finance company), which works for the online sales of loan on May 2016, respectively.
In cooperation with external specialists, who will support the evaluation of business value and the analysis and appraisal
of property ownership based on the exact business feasibility analysis of real estate financing experts, the company has
selected only those whose repayment finances are considered reliable from the bond of investors to the bond maturity.
History
Jan 2016. Established Smart Fintech Corp.
Jul 2016. Concluded a business cooperation agreement for platform management with interagency institutions (credit-
rating agency, trust company, virtual account service company and others)
Jul 2016. Completed to develop the platform and opened the 1st investment product
May 2017. Opened the 25th investment product (the completion of totally 300 million won funding)

Smart Fintech is a P2P platform company, which offers Smart Funding service. Smart Funding allows investors and
businesses to directly connect each other on the platform, giving them an opportunity to win-win. Smart Funding has
improved the stability of investment and lending by selecting only financial products that passed ever the standard
of screening and evaluation system based on the data of Fintech-based finance, behavior pattern, and many social
networks. Its investment portfolios, which ensure higher investment safety, are designed to protect against losses even
in the event of some delinquency. It links the investor protection fund and the internal loss accumulation fund, and thus
reduces the risk of investment. It provides the opportunity to make higher profits by putting up underlying mortgage or
securing confirmed claims. Also, it is introducing an auto diversified investment system with enhanced convenience for
investors. As a result, it is expected that clients will have a kind of package investment for the minimization of investment
risk and investor inconvenience in each investment.

Smartcrowd
Representative Jung Sung-mo and Park Chun-seon Incorporation Date Jun 29th, 2016
Location 16, Maeheon-ro, Seocho-gu, Seoul, Republic of Korea (4F, Hybrid Fashion Center)
Web Page www.smartcrowd.co.kr E-mail smart@smartcrowd.co.kr Contact +82-1599-1162
Enquiry Contact +82-2-2155-0313 Enquiry E-mail smart@smartcrowd.co.kr
Form of
Main Service P2P Finance Fintech Area P2P Finance B2C/B2C
Business
Introduction
Smart Crowd is a P2P (Peer to Peer) financial platform, which provides proven investment products decided carefully
by financial and real estate professionals. Based on 30 years of real estate development and investment experience and
commercial real estate analysis expertise, it has provided various real estate loan products.
It reduces the risk of principal loss by offering only collateral investment products and at the same time increases the
return on investment stably.
Also, to support more professional and safer services, it has concluded a business cooperation agreement with Draju LLC,
Daeil Appraisal Firm, Jungjin Accounting Firm and others, respectively.
History
Jun 2016. Established Smart Crowd Inc.
Aug 2016. Launched officially Smart Crowd Platform
Aug 2016. Concluded a business cooperation agreement with Draju LLC
Aug 2016. Concluded a business cooperation agreement with Daeil Appraisal Firm
Aug 2016. Concluded a business cooperation agreement with Jungjin Accounting Firm
Apr 2017. Became a regular member in Korea P2P Financial Association

Smart Crowd connects investors and borrowers in a form of P2P.
Since launched officially on August 2016, the company has recorded 0 percent of interest default rate. Through the
PayGate Safety Service, it manages the deposits of clients safely by partnering with financial institutions including
Standard Chartered(SC) First Bank Korea Ltd and Nonghyup Bank.
Real estate bond investment products include rent mortgage loan, security deposit mortgage loan, real estate mortgage
loan, construction fund loan and real estate project financing. It offers up to 90 percent of the whole loan for the rent,
the security deposit and the real estate collateral. For the investment, it is possible to proceed from 100,000 Won without
additional platform usage fee.
-Korea : Draju LLC (Legal Service), Pay Gate (Electronic Payment Service), Daeil Appraisal Firm (Appraisal), Mugunghwa
Trust (Trust Business), Jungjin Accounting Firm (Accounting and, KODA (Training for Staff in Real Estate
Development)
242
Smartforecast
Representative Kim Hyeong-joo Incorporation Date Nov 4th, 2015
Location 19, Bongeunsa-ro 68-gil, Gangnam-gu, Seoul, Republic of Korea (2F, Building 209)
Web Page www.smfcast.com E-mail comma@smfcast.com Contact +82-2-508-7957
Enquiry Contact +82-2-508-7957 Enquiry E-mail comma@smfcast.com
Form of
Main Service Bigta and Comma Fintech Area Others B2B/B2C
Business
Introduction
Smartforecast is a Fin-tech company, which analyzes and predicts various big data. The company has developed Bigta,
a service which predicts the timing of stock buying and selling based on the sentiment analysis of big data including
financial data, social networking service and news. Also, it introduced Comma, which creates a portfolio of how many
and what stock is bought or sold within a limited amount of money. Smartforecast helps general investors to manage
their assets better. In order to increase the accuracy of prediction for the price of stock, whose variables are so different,
the company has utilized big data analysis and machine learning technique.
Also, it is providing big data analysis contents to Shinhan Financial Investment.
History
Oct 2015. The service launching of Bigta 2.0.
Nov 2015. The foundation of Smart Forecast Inc.
Dec 2015. The conclusion of industry-university collaboration agreement with the graduate school of financial
mathematics in the Catholic University and the supply of HTS customer contents connection service for
Shinhan Investment
Jan 2016. The development of portfolio optimization model.
Mar 2016. The achievement of total 100,000 download and installation 'Bigta'.
Aug 2016. The supply of big data analysis contents to Shinhan Investment.
Nov 2016. The launching of customized portfolio management service, 'Comma'.

Smartforecast provides bigdata analysis services and prediction services through 'Bigta' and 'Comma'. 'Bigta' is a service,
which collects online big data from social networking services, news communities and others to analyze and index the
investment sentiment and then provides it to clients.
It predicts the direction of stock price for each stock item based on the investment sentiment, recording over 65 percent
of accuracy rate on average. It is offered in Android OS and it is ranked number one in the financial category of Google
Play for 90 consecutive weeks.
'Comma' is a service, which provides a customized stock investment portfolio based on the machine learning, the
algorithm of financial engineering and the big data investment psychology analysis. It is currently providing various
services in Android OS and mobile application. Specifically, it creates a portfolio considering the investment capital of
client and delivers it to them on a weekly basis. This gives available help to clients to regularly invest and achieve higher
expected return.
-Korea : ‌Shinhan Financial Group (Financial Institution), EBest Investment Securities (Financial Institution), Korea Securities
Depository (Other Public Institutions), Maeil Economy (Press), Korea Economic TV (Press), Leaders Economic
Newspaper (Press), Asia Economy (Press), Focus News (Press), Catholic University (Educational Institution) and
Hankuk University of Foreign Studies (Educational Institution).

Smartro
Representative Lee Hong-jae Incorporation Date Apr 16th, 1998
Location 201, Mok-dong, Yangcheon-gu, Seoul, Republic of Korea (24F, KT Computing & Information Center)
Web Page www.smartro.co.kr E-mail hchong@smartro.co.kr Contact +82-1666-9114
Enquiry Contact +82-2-2109-9852 Enquiry E-mail hchong@smartro.co.kr
General Payment Service VAN/ Form of

PG Business
Introduction
Smartro is an electronic payment service provider, a financial and telecommunication subsidiary of the KT Group. Smartro
offers reliable and convenient credit card VAN services, PG services and payment services in new business areas based on
Fin-tech. It has built its own refrigerator billing system for GS25 in 2016, and it is currently offering Alifay and Wichetpay,
which are Chinese simplified payment services since 2017.
History
1998. Established Smartro Inc.
2003. Advanced into Credit Card VAN Business
2007. Acquired the certificate of RFID terminal TTA for U-SCM.
Jun 2010. Transferred into BC Card Group
Sep 2011. Advanced into PG business
Nov 2011. Transferred into KT Group
Sep 2013. Opened a franchise service platform, SALT
Jan 2016. Constructed the payment system of MY REFRIGERATOR for GS25
Sep 2017. Opened Simple Payment Service in China (Alipay and WeChatpay)

Smartro is an electronic payment service provider.
The VAN service supported by Smartro is a service that allows customers to pay for goods or services through POS and
credit card terminals installed in merchants through various payment methods including credit cards, debit cards, check
cards, prepaid cards after checking credit/transaction limit, and it relays the payment approval to the card companies.
Smartro PG service is an intermediary service that enables online electronic payment service between online SMEs such
as shopping malls and financial institutions such as card companies. It enables consumers to securely operate payment
systems in their shopping malls and provides 24x7x365 payment service with real-time monitoring.
Through SALT (Savings Advertising and Link Task) platform, Smartro provides total solutions such as finance, marketing,
sourcing, and management support required by merchants through POS and APP. By providing the service platform and
affiliation network that Smartro has, it supports the design and operation service of partnership business and marketing
project necessary for customers.
Smartro Marketing Service Platform (MSP) service is a service that uniquely identifies, designs, and operates partnership
business and marketing projects that are necessary for customers by utilizing a network of smart partners. By providing a
service platform and affiliation network that Smartro has, it can expand customers’ marketing activities revolutionarily.
In addition, it provides smart order service ASP. This enables flexible ordering and checking of merchant's franchises, easy
identification of order confirmation by the franchise headquarters, and the ability of the supplier to confirm and ship
orders directly to the customer.
-Korea : BC Card (Financial Institution) and Shinhan Card (Financial Institution)
-Foreign Countries : ‌Foreign Countries: Alipay (Simple Remittance/Payment) and WeChatpay (Simple Remittance/
Payment)
244
Sodifunding Inc.
Representative Kim Yong-Hwan Incorporation Date Dec 6th, 2016
Location 40, Teheran-ro 39-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Jeil Building)
Web Page www.sodifunding.com E-mail sodi@sodifunding.com Contact +82-2-569-7580
Enquiry Contact +82-10-3726-2260 Enquiry E-mail kes1209@sodifunding.com
Form of
Main Service Funding Fintech Area Crowd Funding B2C
Business
Introduction
Sodifunding is P2P Crowd funding company focusing on real estate industry. It bridges between developers who require
funding in real estate development and construction and peronal investors. Experts from real estate development,
construction, finance, and appraisal offer loans at reasonable interest rate to borrowers and offer high profitability rates
to investors. SODI, which is the English company name of Sodifunding, is an abbreviation of “SO DO I”, meaning that
Sodifunding shall be a P2P company to sympathize and communicate with investors. The company aims at supplying win-
win deal which selects only financial products with excellent profitability, marketability and stability from the perspective
of investors.
History
Dec 2016. The establishment of Sodifunding Inc.
Jul 2017. The launching of first product
Jul 2017. The registration as a regular member in Korea Fintech Industry Association

Sodifunding is a P2P provider specialized in loan of building fund and real estate mortgage based on the expertise
accumulated in the real estate finance field. P2P Finance is a combination of P2P concept, which refers to the direct
connection between individuals to share files, and the finance. It means that financial transactions, which were possible
only through financial companies before, now progress directly in internet websites or mobile applications. Companies
needing funds will apply for construction fund loan or real estate mortgage loan through Sodifunding while Sodifunding
will inform investors of the application in the investment product to do so. It is a loan based on the P2P crowdfunding,
which collects funds from a lot of individual investor and then executes the loan. This will provide reasonable loan at a
medium interest rate to construction businesses that had to use high-interest private funds due to the difficult credit
conditions presented by existing financial institutions. For individual investors, one does not have to sign up for a new
account; deliver the information of new investment product just by registering only cellular phone number.
-Korea : Korea Fintech Industry Association (Government Interagency)

SODIT Inc.
Representative Jang Dong-hyuk Incorporation Date Dec 3rd, 2015
Location 50, Digital-ro 33-gil, Guro-gu, Seoul, Republic of Korea (Room No. 1301, Byucksan Digital 7 Cha Valley)
Web Page www.sodit.co.kr E-mail sodit@sodit.co.kr Contact +82-2-857-9229
Enquiry Contact +82-70-4406-2488 Enquiry E-mail hjlim@sodit.co.kr
Form of
Main Service Sodit Fintech Area P2P Finance B2C
Business
Introduction
SODIT Inc. offers the financial intermediation service between individuals, which is made by auction specialists for the real
estate P2P loan platform. The company seeks the platform service which connects the small investing public and those
needing the real estate mortgage loan at a reasonable medium interest rate.
With a slogan ‘Everyone Can Smile,’ it brokerages safe estate mortgage loans. By providing a simple method for loan
applicants and 12% investment return rate for investors, it provides a service that both borrowers and investors can
be satisfied with. In December 2016, it attracted Pre-Series A investments from Capstone, Krun Venture, and Strong
Venture.
History
Dec 2015. The foundation of SODIT Inc.
Feb 2016. The establishment of affiliated company for SODIT Inc.
Feb 2016. The launching of service.
Dec 2016. The attraction of Pre-series A Investment from Capstone Asset Management Co., Ltd., Krun Venture and
Strong Venture.
May 2017. Selected as the Main Business Company in 2017 K-Global Re-Startup (Ministry of Science, ICT and Future
Planning).
Nov 2017. The registration of loan screening algorithm development patent

SODIT Inc. is a P2P funding service provider. The products offered by SODIT Inc. include the pledge collateral of non-
performing loan, the dividend pledge, the real estate pledge and the pledge of beneficial interests. The company follows
three investment principles (the stability, the liquidity and the profitability) in the planning and operation of product.
From this, the company has proposed higher investment stability by securing exit strategy for each product. When the
insolvency occurs, SODIT Inc. can protect the principals of clients as possible as it can; for the sale of non-performing
loan, it achieved 100% return rate on Mar 2017. Actually, the auction contract price rate of apartments, neighborhood
shopping centers and knowledge industry centers is over 90%. SODIT Inc. is introducing bonds fairly and objectively
through its own transparent and fair operation. Also, the company has built own assessment system based on the
experience and know-how in the field of auction and real estate investment; specifically, some important factors are
evaluated comprehensively with weight added. Above all, the company tries to provide convenient and safe to both
investors and borrowers. Its recent average investment period is 5 months with an average return of 13%.
-Korea : ‌NH Nonghyp Bank (Financial Institution), Ecube Solutions (Electronic Electricity), Sazze Partners (Investment
Company) and K-Run Venture (Venture Capital)
-Foreign Countries : ‌Strong Ventures (Investment Attraction)
246
Solidware Inc.
Representative Um Soo-Won Incorporation Date Aug 5thth, 2014
Location 343, Samil-daero, Jung-gu, Seoul, Republic of Korea (12F, Wework)
Web Page www.davincilabs.ai E-mail contact@solidware.io Contact +82-2-6105-6397
Enquiry Contact +82-2-6105-6392 Enquiry E-mail jay.eom@solidware.io
Form of
Main Service DAVinCi Labs Fintech Area Others B2B
Business
Introduction
Solidware is a specialized company in machine learning based big data analysis. Solidware utilizes artificial intelligence
analysis engine and visualization solution Davinci Labs to provide a variety of big data-based predictive analysis and
modeling services including credit rating, underwriting, targeted marketing, fraud detection, anomaly detection, and
CRM. It managed projects with AXA Direct Automobile Insurance, SBI Savings Bank, and worked POC with TP Bank in
Vietnam.
It registered a patent on ‘cluster formation system and formation methods through machine learning.’
History
Aug 2014. The establishment of Solidware Inc.
Dec 2014. The development of Costumer Loss Prediction Solution for AXA Direct Automobile Insurance
May 2016. Entered the final round in a global tech conference, ‘ICT Spring 2016 Europe’, for the first time in Asia.
Sep 2016. The Advancement Project of Credit Rating Model for SBI Savings Bank.
Feb 2017. Worked POC with TP Bank in Vietnam.
Feb 2017. The launching of AI Analysis Solution.
May 2017. The application of patent for automatic cluster generation system and generation method using machine
learning.

Solidware provides a big data analysis solution. Davinci Labs provided by Solidware automatically carries out various pre-
processing tasks, which must be preceded in the machine learning, including missing value processing and item type
setting; then, the cleaned data becomes the basis for data preprocessing and excellent predictive analysis optimized for
machine learning analysis. Davinci Labs has researched over years on the modeling process chain of data analysts and
the user experience, which reflects their thought flow, to develop own user experience model. Its user experience model
can simply process the platform visualizing the whole process including the development of model, the comparison and
analysis and the reporting. The company has various algorithms optimized for the data analysis of enterprise, and it can
develop a variety of proven algorithms, such as Deep Learning, by clicking and selecting without any additional (program)
support or coding. Clustering and automatic clustering that automatically generate business rules enable you to find
complex patterns in big data and create and validate rules in one day. By A.I. based optimization and automation, A.I.
based algorithm auto tuning, combination and champion algorithm recommendations, the performance of model can
be enhanced. Davinci Labs overcomes the limitations of machine learning that lacks explanatory power through its own
technology, and easily supports the update of real-time operating models through automatic Java library extraction.
-Korea : Hyundai Card (Financial Institution), Welcome Financial Group (Financial Institution), KB Capital (Financial
Institution) and SBI Savings Bank (Financial Institution)
-Foreign Countries : ‌Countries: AXA Direct (Financial Institution)

Soundlly Inc.
Representative Kim Tae-hyun Incorporation Date Apr 18th, 2012
Location 40, Cheonggyecheon-ro, Jung-gu, Seoul, Republic of Korea (Room no. 1307, CKL Business Support Center)
Web Page www.soundl.ly E-mail support@soundl.ly Contact +82-70-8735-1047
Enquiry Contact +82-10-3658-0626 Enquiry E-mail sales@soundl.ly
Form of
Main Service Soundlly Fintech Area Payment/Settlement B2B
Business
Introduction
Soundly is a company specialized in sound wave communication technology that transmits data via inaudible sounds.
Currently, the company has commercialized and operates ‘TV matching mobile Ads’ that provides additional related
information to mobile users who watch TV ads, home Shopping channels, and dramas. In the future, it plans to launch a
platform business where it provides additional advertisements on financial applications on mobile and connects all steps
to simple payment at one.
History
Jun 2015. Selected as a technology business by K-ICT (Ministry of Science, ICT and Future Planning), Seoul National
University and Hanyang University.
Jul 2015. T
he attraction of total 1.3 billion won investment from Changtu company
Oct 2015. The award of Grand Prize, Overseas Expansion Prize and Special Prize in K-Global Startup Contest (Ministry of
Science, ICT and Future Planning)
Dec 2015. The release of TV-Mobile Connection advertisement service with AKABNK in Turkey
Sep 2016. The launching of Theater Advertisement connection service with Lotte Cinema.
Nov 2016. The launching of Table Order Service with Dalcom Coffee.
Sep 2017. The conclusion of supply agreement for SDK installation on Cash Slide application with NBT Corp.

Soundly has a technology in sound wave communication. The technology is that by storing a digital data in a high
frequency sound that cannot be heard by people it can send micro information to smart devices’ microphone from
speakers like a Morse Code.
In TV matching mobile Ads, it sends a message that advertisers intend to deliver in accordance with TV Ads, Home
shopping channel, or dramas that viewers are watching.
Easily connected with cross devices, Soundly facilitates contents development linked to advertisements.
The second screen service can be developed by grasping the contents that the user is watching. It also identifies a user’s
location so that it can provide localized services.
Soundly is preparing an on/off-line payment platform that utilizes sound wave communication technology. A simple
payment application of a financial company affiliated to a user who receives a sound signal during watching TV or surfing
the can be activated immediately.
-Korea : ‌KB Kookmin Card (Financial Institution) and Samsung Electronic Creative Square (Others)
248
Srook
Representative Kwak Jung-hyeon and Kwon Yeon-hyeon Incorporation Date May 11th, 2016
Location 660, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (5F, A Sector, Building A, U-space 1)
Web Page www.srookpay.com E-mail srookpay@srook.net Contact +82-1600-7313
Enquiry Contact +82-1600-7313 Enquiry E-mail srookpay@srook.net
Form of
Main Service Multi-Platform Service Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Srook is a multi-platform provider that makes contents more valuable. In 2017, it entered the Fin-tech industry by
launching Srookpay, a payment service. Srookpay is aiming for a new platform that is deviant from traditional shopping
platform concepts like open market and social commerce. Srookpay provides a service that enables online purchases and
payments without shopping malls in various social networking services.
History
Jan 2016. The application of second patent and the conclusion of MOU agreement with Digitalzone Co., Ltd, Finotek
Corp. and Innotree Co, Ltd.
Feb 2014. The official service launching of Srook
Aug 2015. The merger of B2oneKorea Inc and Srook.
Oct 2015. The registration of Srook copyright, trademark and software copyright.
Nov 2015. The copyright registration of program and the copyright registration of Srook conversion module and viewer
program
Nov 2015. The establishment of enterprise R&D center (the final approval from B2oneKorea)
Jan 2016. The demonstration service for Korea University and Eulji University
Mar 2017. The launching of Srookpay Srookpay

Srook is introducing Srookpay to support payments on social networking services.
Srookpay supports small business owners' open commerce service by making online order book and payment without
shopping mall in various SNS such as cafe, blog, Kakao talk, Facebook, and Instagram. The addition of credit cards
payments and mobile phone payments, including the existing bank transfer, broadened the range of payment methods.
Buyers can easily order, choose from a variety of payment methods, and use shipping tracking services. Administrators do
not have to make a mall and it is easy to manage with a simple admin page. The service is simple because it can be used
as soon as you input a link to the order of Srookpay.
-Korea : KG Inicis Co., Ltd. (Online Payment), Public Net (Beauty Up), MP Interactive (Online Advertisement), Play Auto
(Online Sales Solution) and Trendy Shop

SSenStone Inc.
Representative Yu Chang-hoon and Lee Jun-ho Incorporation Date Nov 17th, 2015
Location 50, 63-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (4F)
Web Page www.ssenstone.com E-mail jhjeoung@ssenstone.com Contact +82-2-569-9668
Enquiry Contact +82-10-5044-5539 Enquiry E-mail jhjeoung@ssenstone.com
Form of
Main Service Security Authentication S/W Fintech Area Security/Authentication B2B/B2C
Business
Introduction
SSenStone is a a technology development company specialized in developing new type of authentication solution.
Comprised of security experts, the company was established in 2015 in purpose of providing simpler and safer
authentication solution. By compensating shortcomings of traditional authentication technology, it has developed and
launched next generation’s technology StonePASS.
It cooperated with Irience for iris scanning solution, and Winningi for non-contact fingerprint scanning solution.
By providing an integrated authentication platform by L.Pay and L.POINT, and Hanwha Life’s simple authentication
system, it is expanding its business clients.
History
Nov 2015. The establishment of SSenStone Corp. and the application of first patent
Jan 2016. The application of second patent and the conclusion of MOU agreement with Digitalzone Co., Ltd, Finotek
Corp. and Innotree Co, Ltd.
Mar 2016. The registration of first patent and the conclusion of MOU agreement with Lotte Card Co., Ltd.
Jun 2016. The conclusion of technology application agreement for ‘The Next Generation of Electronic Trial System’with
Constitutional Court.
Aug 2016. The acquistion of FIDO UAF Server/Client(iOS/Android) Certification.
Dec 2016. The conclusion of technology supply agreement for the Integrated Recuitment Organization Management
System with Korea Life Insurance Association
Feb 2017. The completion of patent application in foreign countries (Japan, China, Singapore, U.S.A. and Europe)
May 2017. The conclusion of supply agreement for simple authentication system with Hanwha General Insurance Co.,
Ltd.

Ssenstone offers an authentication solution. StonePASS, Ssenstone offered, integrates a variety of authentication
methods into one authentication system so that it can be easily and securely applied without any additional system. A
secure bidirectional action key matching algorithm is applied to protect even in cases where user information is leaked.
Through real time constantly changing action key matching structure, it is still secure to lose a user authentication key
stored in system, and it supports multifactor and multi-channels at one. It blocks phishing, pharming, and man-in-the-
middle attack, and applies home and foreign symmetry key code algorithm and public code algorithm. It can detect
abnormal symptom even in process of authentication.
Also, StonePASS allows users to select multiple authentication methods on their own. When abnormal authentication is
attempted, real-time awareness and user account control are possible.
-Korea : Sarklabs (IT Company), Lotte Accelerator (IT Company), Fintech Support Center (Government Interagency),
Gyeonggi Creative Economy & Innovation Center (SME support), Korea Technology Finance Corporation
(Government Agency), KODIT (Government Agency), Constitutional Court (Constitutional Court), National Health
Insurance Service (Public Institution), Korea Life Insurance Association (Insurance Statistics) and SBI Savings Bank
(Financial Institution)
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Stocklink
Representative Lee Sang-hwan Incorporation Date Feb 18th, 2016
Location 165, Gasan digital 1-ro, Geumcheon-gu, Seoul, Republic of Korea (Room No.1202, 12F)
Web Page www.stocklink.co.kr E-mail hskim@stocklink.co.kr Contact +82-1522-1110
Enquiry Contact +82-2-6971-3555 Enquiry E-mail hskim@stocklink.co.kr
Development and Management of RMS Form of

Main Service (Risk Management System) Program for Fintech Area Financial Platform B2B
the credit loan of securities company Business
Introduction
Stock Link is a company, which deals with credit loan products linked to securities firms. Specifically, it provides RMS (Risk
Management System) that allows individual investors to employ investment funds up to 4 times than their own capital in
connection with securities companies, savings banks, and capital agencies. Its affiliated companies consist of 6 securities
firms (including NH Investment Securities, Daishin Securities, Hana Financial Investment, eBEST Investment Securities,
Dongbu Securities and KB Investment Securities) and 6 credit agencies (including IBK Savings bank, IBK Capital, BNK
Capital, SBI Savings Bank, Dongbu Savings Bank and DGB Capital). Also, it concluded an industry-university cooperation
agreement for the development of technology and the promotion of human resources with Yuhan University in 2016.
History
Feb 2016. Established Stocklink
2016~2017 C oncluded a business cooperation agreement with 6 trust companies including NH Investment & Securities
and DGB Capital.
Oct 2016. Concluded an industry-university cooperation agreement with Yuhan University

Stocklink is a provider of stock purchase loan service (Stock Loan). Stock Loan has lower interest rates than those of credit
finance in existing securities firms. Its loan period is relatively long and its amount is large. Through loan products, one
can establish up to 400% of the funds (including his/her own) on security of his/her funds and stocks. Stock collateral
loan can be used for the fund of stock purchasing additionally in a form of cash by borrowing up to 70% of the funds
on security of shares held by customers. Its risk management system is installed in the internal system of securities firm
to automatically check the risk and collateral rates of our clients’ investment categories and thus reduces the risk of
investment loss for individual clients and the risk of non-performing loan for credit enterprises.
-Korea : NH Investment & Securities (Financial Institution), Hana Financial Investment Co., Ltd. (Financial Institution),
Dongbu Savings Bank (Financial Institution), IBK Savings Bank (Financial Institution). SBI Savings Bank (Financial
Institution), GB Capital (Financial Institution), BNK Capital (Financial Institution), Daesin Securities (Financial
Institution), KB Investment & Securities (Financial Institution) and Dongbu Securities (Financial Institution)

Streami
Representative Lee Jun-hang Incorporation Date Jul 28th, 2015
Location 547, Samseong-ro, Gangnam-gu, Seoul, Republic of Korea (2F, BK Tower)
Web Page www.streami.co.kr E-mail contact@streami.co.kr Contact +82-2-335-2845
Enquiry Contact +82-10-3375-3920 Enquiry E-mail james.park@streami.co.kr
Cryptocurrency Exchange and Form of

Main Service Fintech Area Blockchain B2B/B2C
Blockchain Solution Business
Introduction
Streami is a block-chain technology specialized company and aims to provide cheaper and more convenient financial
services by using block-chain technologies. Streami manages a cryptocurrency exchange and develops overseas
remittance solutions and others. The company has attracted investments from Blue Point Partners, ICB, Penbush Capital,
Digital Currency Group, Shinhan Bank and others. In addition, Streami is a member company of Enterprise Etherium
Alliance, a global Etherium association.
History
Jul 2015. The establishment of Streami Inc.
Dec 2015. The attraction of investment from Bluepoint Partners and ICB
Dec 2015. The attraction of investment from Shinhan Data System and Shinhan Bank
May 2016. The attraction of investment from Fenbushi Capital and Digital Currency Group.
Jul 2017. The registration as a regular member in EEA
Aug 2017. The service launching of Cryptopic Information Platform service
Nov 2017. The service launching of GOPAX exchange.

Streami provides a cryptocurrency exchange and also block-chain based overseas foreign currency remittance solutions.
Specifically, Stream Wire developed by Streami is an open, block-chain based overseas foreign currency remittance
solution made to meet the standards of commercial banks, allowing even traditional financial institutions to work with
block-chain based technologies.
Gopax is a cryptocurrency exchange with a global level of technology and personal information protection as well as
precautions against many financial crimes. It is operated by own quadruple security system so that the cryptocurrency
deposited by clients can become safe from any hacking attack. In addition, it is designed to show the information
necessary for the transaction of client at once and has a user interface, which is optimized for cryptocurrency trading
activities.
Cryptopic is a platform, which helps individuals to participate into the reasonable cryptocurrency investment by drawing
the insight into the price of cryptocurrency based on the common sense of general public. It is a kind of public forum with
a variety of perspectives and information, customizing and then providing news articles, which may affect the price of
specific cryptocurrency, with their streaming analysis.
-Korea : Shinhan Bank (Financial Institution) and Shinhan Data System (Financial Network Solution Company)
-Foreign Countries : ICB (Payment Service), Ethereum Enterprise Alliance (International Consortium) and Bluepoint
Partners (Bitcoin Exchange)
252
Sunfunding
Representative Lee Gyu-sang Incorporation Date Feb 1st, 2017
Location 156, Yanghwa-ro, Mapo-gu, Seoul, Republic of Korea (Room No. 1817, LG Palace Building)
Web Page www.sunfunding.co.kr E-mail Sunfunding@naver.com Contact +82-2-332-5797
Enquiry Contact +82-2-332-5797 Enquiry E-mail Sunfunding@naver.com
P2P Financial Service, P2P Form of

Investment and P2P Loan Business
Introduction
Sunfunding is a P2P (peer to peer) platform for individuals to conduct financial transactions between individuals, and
it plays a role in connecting consumers and suppliers efficiently. It provides business funds with reasonable low interest
rates to customers who want to borrow from real estate collateral, and intermediates investment products with annual
return rate of 12 ~ 20%. Sunfunding provides reliable products through a systematic assessment and evaluation system
of experts and legal advisors from the first financial sector.
History
Feb 2017. The establishment of Sun Funding Inc.
Jun 2017. The release of Sun Funding service
Jul 2017. The pre-registration of DDoS Cyber Shelter from Korea Internet and Security Agency.
Sep 2017. The participation into 2017 Dong-A Investment Techniques-Fintech Show.

Sunfunding is a P2P financial platform provider that mediates construction funds, real estate collateral, trade receivables,
and bridge funds. Sunfunding's major borrowers are customers who run stable businesses but they need short-term
funds to secure liquidity, or those who are able to repay themselves but are unable to access the need from the financial
institutions due to tightened financial regulations. Sunfunding only makes loans if it determines that the reimbursement
source is certain through review, and it pursues safe investment with a professional investor protection system. In the
case of the borrower, the documents will usually take 3 to 7 days to be approved, depending on the type of collateral.
Sunfunding's loan review is conducted through a self-assessment system depending on the type of collateral.
-Korea : Korea: Korea P2P Finance Association (P2P Company Support)

Superstring
Representative Eun Seok-hoon Incorporation Date Dec, 2014
Location 335, Sapyeong-daero, Seocho-gu, Seoul, Republic of Korea (Room No. 309, 3F, Kum Sung Building)
Web Page www.superstring.kr E-mail sukhoon@superstring.kr Contact +82-2-3452-1207
Enquiry Contact +82-2-3452-1207 Enquiry E-mail sukhoon@superstring.kr
Form of
Main Service FCC and KFP Fintech Area Financial Platform B2B
Business
Introduction
Superstring is a Fin-tech start-up that designs financial services from a consumer-centered perspective and implements
services using patents and technology. It is developing its own service and providing global Fin-tech solution as well as
service consulting and it manages Next Money Seoul branch, a global Fin-tech community.
It provides Fin-tech solution consulting to major financial institutions and it has developed and launched ‘Moser,’ an on-
demand financial service platform.
History
Feb 2015. The establishment of SettleBank
Jun 2015. The award of Grand Prize for the business section in Fintech Dream Contest (IBK Industrial Bank) and the
conclusion of business cooperation agreement
Aug 2015. The global (USA, China and EU) and domestic patent application of card benefit solution
Sep 2015. The acquisition of agent license from an internet-specialized bank solution company, 'Moven(US)'
Oct 2015. The acquisition of Korean operation right from a global fintech community, 'NEXT MONEY'
May 2016. The fintech solution consulting for domestic major financial institutes
Oct 2016. The development of prototype for Mosher (an on-demand financial service company)

Superstring offers a variety of Fin-tech solutions. ‘Mosher,’ on-demand financial service platform meaning ‘take good care
of customer,’ enables financial professionals to connect with customers through mobile apps and enables customers to
view financial transactions at the time and place they want.
FCC (Final Credit Card), is a credit card product and a back-end solution that solves consumer's pain points inherent in the
credit card, a universal means of payment.
FCC automatically grants the greatest benefit to consumers, no matter what consumers spend anywhere and anytime.
Unlike other competing cards that offer discounts or credits for each payment, the range of benefits is much in depth.
Other products provide 0.2 to 1.2 percent of the consumption on a flat basis, but FCC can design a benefit of 0.5 to 5
percent depending on the total consumption. The company provides asset management service free of charge through
KFP (Korean Financial Package). KFP helps to predict the outflow of money each month, to improve the sense of control,
and to avoid any shortage of balance that may arise in the future.
-Korea : IBK Industrial Bank (Financial Institution)
-Foreign Countries : ‌Moven (Mobile Application Platform)
254
SYSMETIC Inc.
Representative Park Hye-jung and Go Sung-yeop Incorporation Date Jun 11th, 2015
Location 419, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (Room No. 1524, 15F, Gangnam Finance Plaza)
Web Page www.sysmetic.co.kr E-mail ceo@sysmetic.co.kr Contact +82-2-6338-1880
Enquiry Contact +82-2-6338-1880 Enquiry E-mail ceo@sysmetic.co.kr
Form of
Main Service Sysmetic Matching Platform Fintech Area Financial Platform B2B/B2C
Business
Introduction
SYSMETIC is a company providing a matching platform based on big data analysis. It matches financial product investor,
product manager, and investment advisor. It provides proper financial product for investors, optimal product development
for managers, and sales solutions to advisors. Through its service, it solves asymmetry between financial institutions and
personal investors, provides new tools for personal investors who lack specialized investment tools, and offers new sales
environment and opportunities to create Win-win platform.
SYSMETIC acquired a patent on matching platform for financial investments.
History
Jun 2015. The foundation of Sysmetic Inc.
Oct 2015. The conclusion of Comprehensive Business Cooperation Agreement for financial contents with Hyundai
Futures Inc.
Nov 2016. The conclusion of Online Education Joint Cooperation Agreement for Airklass Online Video Knowledge
Platform
Dec 2016. The establishment of Capital Market Stock Network API for KOSCOM Corp. and the participation into Test
Bed T/F
Jun 2017. The supply of Sysmetic Account Statstics Analysis Web Service to Hyundai Futures Inc.
Aug 2017. The conclusion of Business Cooperation Agreement for News Searching API Provision with Uberple Co.
Aug 2017. The conclusion of Business Cooperation Agreement for Data Visualization Big Data Analysis with Funex Co.

SYSMETIC carries out as a bridge connecting investors, traders, and brokers.
It helps advertisement and marketing for traders and investment advisors & product developer through sharing
profitability and information and offers opportunities to connect to personal investors. It can offer commercializing
individual investment strategies and thus provide opportunities to enhance their profit. It can advertise to many securities
firms’ investment advisors about their products profitability.
To securities companies’ investment advisors and brokers, it provides a new channel of sales by a service connecting to
investors.
It provides closed network spaces by individual investment advisors and brokers. It provides various integrated investment
products proposals, portfolio one click fill-out, and printing out reports services.
For clients and investors, it provides capital operation simulation service through composing strategic portfolio, allows
to search, compare, and analyze brokers. It also consolidates all securities firms’ accounts of one in a single platform to
provide convenience.
-Korea : Eugene Investment & Futures Co., Ltd. (Financial Institution), Hyundai Futures Inc. (Financial Institution), KOSCOM
Corp. (Securities Business Computerization) and Hana Financial Investment Co., Ltd (Financial Institution)

TA Networks
Representative Han, Jungkyun Incorporation Date Nov 1st, 2002
Location 35, Pangyo-ro 255beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea 5F, A)
Web Page www.tanetworks.com E-mail cwlee@tanetworks.com Contact +82-70-7018-7789
Enquiry Contact +82-70-7018-7789 Enquiry E-mail cwlee@tanetworks.com
Form of
Main Service - Fintech Area FInance Platform B2B
Business
Introduction
TA Networks is a specialized company that develops and supplies various financial supplementary services centered
on financial service channels. TA Networks is aiming to revitalize the service channels of financial services through
convergence of data and voice channels, enhance service channels of financial services using crowdcomputing-based
technology, and activate affiliate marketing services using financial customer information. It is recognized as a financial-
based medium. TA Networks has supplied financial software to its own services or external sources, and it has a number
of related patents. TA Networks is developing a model for expanding into online non-face-to-face channels and non-face-
to-face contact centers for non-face-to-face channels of existing financial institutions.
History
2002. Establishment of TA Networks
2003. The development of component-based financial framework with HP
2006. Acquisition of venture company certificate and selected as a technology innovative small business by the Small
and Medium Business Administration
2007. The development of mobile-charging type account and payment service – Shinhan Bank
2009. Acquisition of venture company certificate and selected as a technology innovative small business by the Small
and Medium Business Administration
2010. The conclusion of MOU agreement for intelligent finance channel system with Hyundai Information Technology

TA Networks is presenting various financial solutions. Account @ Desk service is a concept to expand and configure
additional functions in a bank account, and it provides a virtual bank environment to provide affiliate-linked, prepaid, and
expandable services in online and mobile environments. The Voucher @ Desk solution is designed to be a separate system
of issuance management and authorization settlement systems. The system is structured so that it can be extended
to a model that has all the processing structures from the issuance of the approval to the self-issuance management
according to the roles of the participating institutions to the authorized account settlement or the issuance from the bank
to the approval settlement. The Message @ Desk service unilaterally sends out messages in the form of plain text that is
not related to the customer's needs, and it sends the app through additional information and marketing messages based
on the customer's needs. It is a service that additionally expands various financial services connected with the delivered
message by adding tag information to the contents of the sent message. The face-to-face authentication service is a
service that can be used as a means for checking non-face-to-face blindness of existing financial companies such as
banks, securities companies, and insurance companies. Non-face-to-face blindness verification is performed through
video call using two types of application-based and web-browser, and a combination of various authentication types is
provided.
-Korea : ‌Hyundai IT (IT coporate), Shinhan Bank(Financial Insitution)
-Foreign Countries : ‌HP(IT corporate)
256
Takit
Representative Jung Kwon-jun Incorporation Date Aug 20th, 2016
Location 63, Dongsomun-ro, Seongbuk-gu, Seoul, Republic of Korea (Room No.31, 6F)
Web Page www.waitee.co.kr E-mail help@takit.biz Contact +82-505-170-3636
Enquiry Contact +82-505-170-3636 Enquiry E-mail help@takit.biz
Form of
Main Service Waitee Fintech Area Others B2B/B2C
Business
Introduction
Takit is an application provider that one can order and make payments at stores one frequently visits. Takit is introducing
‘waitee,’ a mobile kiosk service. You do not need to stand in a long waiting line, and you can simply order seated using a
smartphone.
Customers who visit the store is designed to use apps for customer, and store owners are able to use app for storefront.
History
Aug 2016. The foundation of Takit

Takit is developing a new app to change the paradigm of food ordering.
With Waitee, customers can order and pay through apps to nearby affiliates, and when food comes out, they can be
notified via apps that they can even handle the function of 'vibration bell'. For franchisees, it is possible to reduce labor
costs, reduce the cost of installing a 'kiosk', and even get customers who leave when they see a long waiting. Even from
the customer's point of view, it can be solved without waiting for order, payment, food pickup. Ordering is easier for
people with hearing impairments, language impairments, multicultural families, and foreigners. In the case of kiosks,
disabled people who use wheelchairs have a voice that it is difficult to use, but they can be solved by using a Waitee. Takit
kiosks are available in pre-order or in-seat ordering without having to queue in the store. Customers who visit the store
use the app for the customer, and the store uses the app for the storefront. Customers can order and make payments
using apps for their clients. A variety of features for convenience such as pre-order, frequent store and menu favorites,
Dutch Feet, earning and discounts are embedded in the app. You can easily receive orders with a single touch with the
app for store use. It also features sales management, customer information management, and so on.

Tankerfund
Representative Im Hyeon-seo Incorporation Date May 24th, 2012
Location 3-9, Gangnam-daero 124-gil, Gangnam-gu, Seoul, Republic of Korea (5F)
Web Page www.tanker.fund E-mail ask@.tanker.fund Contact +82-2-514-1008
Enquiry Contact +82-2-514-1008 Enquiry E-mail ask@tanker.fund
Form of
Main Service P2P Crowd Funding Platform Fintech Area P2P Finance B2C
Business
Introduction
Tankerfund is a P2P crowdfunding platform operator. A former deputy chairman from Shinhan Bank, and KAIST
researchers have set up to "build a safe P2P financial platform."
Tankerfund has been selected by a retail finance specialist who has a long history of loan review, and KAIST researchers
designed automated loan assessment system. The basic policy of Tankerfund is to create a platform where the borrower
collects money and a platform that investors do not lose money. Tankerfund secured 850 investors with an operating
capital of 9.2 billion won within six months of its launch.

Tankerfund is a P2P financial platform company.
It selects borrowers that need funds from the capital markets and designs and discovers healthy products through
expertise from credit, development and data experts based on their financing needs. It is the goal of the Tankerfund
to provide such investment products to ordinary investors through the Internet platform and to provide investment
opportunities to achieve high stability and high returns at the same time. Tankerfunds can be said to be 'Internet
investment platforms for general investors'. In the future, it plans to build an innovative asset management platform
through risk management and investment management technology based on Big Data and Machine Learning. The
investment products handled by the Tankerfund are personal and corporate loan products that are screened by experts.
Tankerfund is based on the principle that all selected products are unanimously approved by all experts who are
responsible for the investment in terms of stability. The basic investment type is investment of the general investor's right
to receive the investors' interest in the products that are selected by the Tankerfund. Tankerfund aims at finding and
designing sound investment products for investors. Because of this, the company is making great efforts to systematically
manage the risk of unrequited damage and minimize damage.
-Korea : ‌Korea P2P Finance Association, Korea
258
TERA FINTECH Co.,Ltd.
Representative Yang Tae-Young Incorporation Date Dec 10th, 2014
Location 146, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (5F, Hyeonik Building, Yeoksam-dong)
Web Page www.terafunding.com E-mail contact@terafunding.com Contact +82-2-582-2558
Enquiry Contact +82-2-582-2558 Enquiry E-mail contact@terafunding.com
Form of
Main Service TERA Funding Fintech Area FInance Platform B2B/B2C
Business
Introduction
TERA FINTECH Co., Ltd. is real estate P2P financial platform operator.
Established in December 2014, based on specialists from real estate, IT, and financial and online P2P financial platform, it
offers real estate mortgage loan and investment services.
TERAFUNDING differentiates itself from competitors by its data valuation system. By analyzing real estate related data,
it valuates real estate’s business value. TERA FINTECH Co., Ltd. developed and operates its own data valuation system
based on public data that are available from the government.
In October 2017, it attracted 8.25 billion won in investment from Bon Angels Venture Partners, Atinum Investment, SBI
Investment, and others.
History
Dec 2014. Establishment of Corporation
Apr 2015. The launching of TERA FINTECH Co., Ltd. service
Jan 2016. Attracted invesment from venture capital,Bon Angels Venture Partners Co., Ltd.,
May 2017. Business alliance with Viva Republica Co., Ltd. -Attract investment members
Oct 2017. Attracted investment from venture capitalAtinum Investment Co., Ltd. and SBI InvestmentCo., Ltd.

TERAFUNDING is a real estate P2P financial platform that connects borrowers who need construction funds and
investors. It provides stable funding to the clients who have difficulty securing fund through the existing financial system,
and it offers a middle-income product to the investors and serves a platform that all win-win can do. TERAFUNDING
operates a self-developed assessment evaluation system. Through the systematic analysis of the stability, profitability,
and repayment of the investment products, the team of the TERAFUNDING examination team carefully selects the
investment products focused on real estate secured bonds and provides them to the investors. TERAFUNDING is also
focusing on real estate P2P loan platform services. TERAFUNDING brokerages funding in the form of crowdfunding
when the owner of a real estate development business lacks funds. The advantages of P2P loans are relatively low
interest rates and quick borrowing. If the client fails to make a loan to the bank and finds a loan company, the interest
rate is close to 40%. However, using P2P loans it is 12 ~ 18%. It is higher than banks but lower than lenders. The key to
real estate P2P lending is risk management. The main target of TERAFUNDING is small residential buildings. In case the
sale fails, there is a way to collect the investment money by alternative loan or charter. It is possible only after repayment
of existing loans on land to remove risk factors such as subordination. Compared to other real estate P2Ps, the lending
amount is large, but the stability is secured and the pre-sale income is distributed to investors.

The Bridge
Representative Hwang Jin-sol Incorporation Date Feb 10th, 2013
Location 40, Eulji-ro 39-gil, Jung-gu, Seoul, Republic of Korea (1F)
Web Page www.thebridgetogether.com E-mail tbi@thebridgetogether.com Contact +82-70-4063-8767
Enquiry Contact +82-70-4063-8767 Enquiry E-mail tbi@thebridgetogether.com
Form of
Main Service Impact Donation Fintech Area Crowd Funding B2C
Business
Introduction
Established in 2014, The Bridge is founded to sustainably address social issues in developing countries. It targets locating
and nurturing corporates from developing countries which are interested in social issues and with co-work from those
corporates, it thrives to find solutions to their local social issues. The goal of the company is to restore the dignity of
human beings, which are often distorted by capitalism.
History
Oct 2013. The establishment of NGO 'The Bridge'
May 2015. The change from NGO to corporation
Aug 2015. The establishment of The Bridge American branch
Sep 2015. The designation of selected donation organization
May 2016. The completion of 14 self-reliance projects
May 2016. The conclusion of MOU agreement with 70 related organizations inside and outside Korea
Jan 2017. The approval of entry into UN DPI cooperative NGO

Through the company’s business models, The Bridge seeks to help local companies to be self-sufficient and profitable.
‘Impact Donation’ is a platform that helps local companies from developing countries develop to be profitable and self-
reliant. It combines financial investment and donation to create a social value and it is a new type of donation in which a
portion of the donation is returned.
The Bridge offers management fees, impact analysis for free. Only 50% of voluntary reimbursements will be used as
bridge operating funds for local entrepreneurs in developing countries and 50% will be provided to impact donors as
points. The company send 100% donations from crowdfunding to local partners. The local entrepreneur refunds some
of the donations made by the business to the bridge (50-100%). 50% of the reimbursement comes from the Bridge,
and the remaining 50% is paid to the donors as an impact point. The higher the refund rate, the more stable the local
business. It means that the self-reliance of the local people is increasing. Incentives and penalties are imposed to avoid
moral hazard in the refund rate, and institutional arrangements for 100% refund are introduced, and credit information
of all affiliates is disclosed transparently.
-Korea : ‌Merry Year Foundation (Donation), Korea Social Enterprise Promotion Agency (Company Foundation
Management & Support) and Sharing and Technologies Incorporated (Donation)
-Foreign Countries : ‌Goelcommunity (Social Enterprise), Hana MFI (Micro Finance), Coopec comicoka (Micro Finance) and
Foundation Builder Enterprise (Cooperative Society)
260
THE CODER
Representative Park Hang-woon Incorporation Date Aug 17th, 2016
Location 508, Hoedong-gil, Paju-si, Gyeonggi-do, Republic of Korea
Web Page www.thecoder.co.kr E-mail dazzji@thecoder.co.kr Contact +82-31-949-0907
Enquiry Contact +82-10-6294-8510 Enquiry E-mail dazzji@thecoder.co.kr
Form of
Main Service D.o.T Fintech Area Others B2B/B2C
Business
Introduction
The Coder, beyond IoT(Internet of Things), provides a DoT(Data of Things) solution, which applies more, cheaper, and
faster to all things and sounds. Object data is one of the next generation technologies for various business fields including
invisible and inaudible digital smart image, sound, security, web solution and fintech. The Coder, a software company,
has the technology of data insert into the surface or sound of objects. Its technologies can be applied to almost all types
of information and communication fields, including the verification and media contents. The Coder won the contract
of upgrading the document management system from Hyundai Engineering & Construction and concluded a MOU
agreement for the big data business with Chosangwagi in China. Hyundai Engineering & Construction. On July 2017, the
company were selected as the 2nd Wibi Fintech Lab, a Fintech Accelerator program of Woori Bank.
History
Aug 2016. The establishment of The Coder Inc.
Jan 2017. The acquisition of enterprise R&D center certificate (Ministry of Science, ICT and Future Planning) and the
conclusion of agreement for image recognition technique-based O2O busienss with Sekwang Electronics
Mar 2017. The conclusion of CMS maintenance agreement with Korea Herald and Kyunghyang Shinmun
Apr 2017. Selected as the 2nd Wibee Fintech Lab by Woori Bank
May 2017. The conclusion of big data business MOU agreement with Chosangwagi in China
Sep 2017. The conclusion of Site Drawings / Document Management System RMS upgrading agreement with Hyundai
Engineering & Construction

The Coder can easily obtain information about any object through a coder scanner, which can scan all objects in the
world easily. It can be used in various areas such as payment, product activation, advertisements, and orders. The Coder
code costs nothing because it does not require special inks or equipment to insert data into a thing, Unlike QR code,
a copy of the code cannot be copied and transferred, and thus it is more effective in checking product authentication
and security enhancement. It operates a special function if The Coder reads an encrypted code through mobile
application. It offers various functionalities and it is easy to use. Designed functions in encrypted codes can be re-defined
by management tools and it does not cost at all. Sound coding technology executes a sound within an audible range
without damaging any sound. This technology can be applied to public broadcasting without interference from speaker
specifications or noises around.
-Korea : ‌Amore Pacific Corporation (Cosmetics), LG CNS (Information Solution), POSCO ICT (IT Service), POSTECH
(Educational Institution), Brain Core (Virtual Money), Woori Bank (Financial Institution) and Ministry of Maritime
Affairs and Fisheries (Government Agency)
-Foreign Countries : ‌Midea (Appliance) and Tagtime (Brand Identity)

The loop
Representative Lee Gyeong-jun Incorporation Date May 12th, 2016
Location 343, Samil-daero, Jung-gu, Seoul, Republic of Korea (12F, Daeshin Finance Tower)
Web Page www.theloop.co.kr E-mail info@theloop.co.kr Contact +82-2-6105-7039
Enquiry Contact +82-2-6105-7039 Enquiry E-mail info@theloop.co.kr
Loopchain-Private Form of
Main Service Block-chain Solution, Fintech Area BlockChain B2B
Loopcoin-Digital Currency Business
Introduction
The LOOP is a subsidiary of DAYLI Inteligence, which is the financial innovation infrastructure division of Daily Financial
Group. Based on its own distributed ledger technology, the company thrives for a hyper-connected society through
block-chain infrastructure.
The LOOP supplies loopchain, a block-chain solution, and develops loopcoin platform business. It is preparing to launch a
block-chain based digital currency platform.
Currently, the company participates as a technology partner in the consortium of the block-chain financial corporation,
Kyobo Life Consortium, and P-HIS consortium.
History
May 2016. The foundation of The Loop Inc.
Jun 2016. The PoC completion of blockchain-based platform for trading unlisted stocks and bonds.
Aug 2016. The PoC completion of blockchain-based digital currency 'SogangCoin' in Sogang University
Oct 2016. The host of education seminar ‘Financial Innovation Specialist Course #1 Block Chain’
Nov 2016. The conclusion of MOU agreement for the digital currency business with Korea University Technology
Holdings
Dec 2016. The participation into 'Financial Investment Blockchain Consortium' as a technology partner company
Aug 2017. The conclusion of ‘blockchain and digital currency business agreement’ with Woori Bank and Daily Intelligence

Loopchain, a self-developed block-chain solution, is a private block-chain engine. It was first developed to support
financial transactions, and it aims to be used at various services that can be applied to IoTs or other services derived from
block-chain.
Loopchain adopts more similar structures to fundamentals of block-chain that that of Hyperledger Fabric or the R3 Corda.
Unlike Hyperledger Fabric consensus services that there is a transaction order list and a chian verifies by order, Loopchain,
similar to a bit-coin block-chain, it sets up an order by a method that all involved parties transactions orders are mutually
complied and guaranteed.
The LOOP pursues to make a flexible structure to meet various demands while it satisfies requirements by financial
industry. In the loop chain module, the manager layer mainly manages the version of the Smart Contract on Reliable
Environment (SCORE) and oversees the authority of each node, as well as supervises the node failure status for block
chain network management. The engine layer is responsible for distributed agreements, ledger storage, and smart
contract execution, which are the main roles of block chain nodes. The block chain, which is an engine module for
distributed settlement, and SCORE, which is an execution environment, is separated from services that go up in an actual
block chain. The interface layer creates an environment in which other business applications can access the block-chain
network.
-Korea : ‌Korea Financial Investment Association (Financial Institution), Kyobo Securities (Financial Institution), Samsung
Securities (Financial Institution), Shinhan Financial Investment (Financial Institution), Hana Financial Investment
(Financial Institution), KB Securities (Financial Institution), KTB Investment & Securities (Financial Institution), SK
Securities (Financial Institution) and Sogang University (Educational Institution)
262
The Pay Inc.
Representative Cho Byung-Chan Incorporation Date Mar 1st, 2013
Location 464, Gangnam-daero, Gangnam-gu, Seoul, Republic of Korea (Room No. 601, 6F)
Web Page www.thepay.kr E-mail help@thepay.kr Contact +82-2-753-0103
Enquiry Contact +82-10-3565-7829 Enquiry E-mail twinbong@thepay.kr
Text Message Notification Form of

Payment Table Pay Business
Introduction
The Pay Inc. is a simple mobile payment service provider, which relieves the burden of receipt work at a lower fee for
franchisees and provides the payment convenience in a more useful way. Established in 2013 under name of PLC, then it
changed its name to The Pay Inc. in Januray 2017.
It consists of employees including a CEO, who have work experiences in the payment and settlement sector from card
companies. It offers market friendly O2O (online to offline) payment and membership service based on a philosophy that
beginning of FinTech is financial sharing. It was selected as KB Starters Valley by KB Financial Group, and it has moved into
KB Innovation Hub since September 2017.
History
Mar 2013. The Establishment of The PLC Inc.
Jun 2014. The Release of payment/membership card
Nov 2014. The Acquisition of Korean Venture Company Certificate
Mar 2016. The Attraction of Open Trade Crowd Funding Investment
Nov 2016. Opening of text alarm payment service of tuition fee and tourism fee
Jan 2017. Change of Company Name from The PLC into The Pay
Mar 2017. The Conclusion of ‘text alarm payment service of tourism fee’ agreement with Naeil Tour and Dae-myeong
Tour Mall
Aug 2017. The Attraction of Angel Investment Matching Fund from Korea Venture Investment

The text messaging service provided by The Pay is a service that enables users to send text messages and receive the
payment immediately even when they are away from the payment place. For example, the payment can be made
conveniently and safely for academy fee or travel expense.
Its payment process works as follow: 'Bill Test Messaging Notification → Agreement of Purchase Confirmation →
Payment by the App Card → Input of Payment Password → Payment Completion'. In other words, one does not need to
install any application and require to join the membership. Above all, it is very convenient to pay without having a public
certificate. Also, the safety is enhanced. One does not have to submit any credit card or its payment information; just
make payment by confirming the test messaging he/she receives. This process ensures the economic feasibility, as well.
Moreover, any card with a lot of benefits can be issued immediately for the payment.
Table Pay allows one to sit at the table without lining up at the checkout desk, and pays each bill separately. The payment
process is as follow: reading the app card QR → setting the number of confirmed receipts → agreeing and paying →
paying by the app card → getting a payment receipt.
-Korea : ‌Shinhan Card Co., Ltd. (Financial Institution), SAMSUNG CARD CO., LTD. (Financial Institution), KB Kookmin Card
Co., Ltd. (Financial Institution), Jeon Buk Bank (Financial Institution), BC Card (Financial Institution), Hyundai Card
Co., Ltd. (Financial Institution), Okay POS (POS Business) and Naeil Tour (Tourist Business)

THECHEAT
Representative Kim Hwa-rang Incorporation Date Mar 14th, 2012
Location 72, Digital-ro 26-gil, Guro-gu, Seoul, Republic of Korea (Room No. 503, Berdi Tower)
Web Page www.thecheat.co.kr E-mail thecheat@thecheat.co.kr Contact +82-1661-1431
Enquiry Contact +82-507-1278-0000 Enquiry E-mail partnership@thecheat.co.kr
Form of
Main Service TheCheat Fintech Area Security/Authentication B2B/B2C
Business
Introduction
THECHEAT launched a website in January 2006 in order to share fraud cases, prevent from recurrence of it, and to act as
a group to mediate fraud cases. It aims to reduce 50% of all financial fraud loss, and it is trying to build a social platform
to prevent fraud by cooperating with financial markets and telecommunication corporates. In 2011, THECHEAT received
a letter of appreciation from the chief of the National Police Agency. After incorporated in 2012, it won the grand prize at
the Young Entrepreneurship Competition held in Seoul the same year and attracted investment capital from Primer, Dithi
Jubilee, and Root Impact. Currently, it provides financial fraud prevention services to financial companies such as Industrial
Bank of Korea and telecommunication companies such as SK Telecom.
History
Mar 2012. The foundation of The Cheat Inc.
Mar 2012. The attraction of investment from Primer Inc.
Nov 2012. The award of Grand Prize in Seoul Metropolitan Youth Foundation Contest
Nov 2014. The attracttion of investment from d3jubilee Inc. and Rootimpact Co.
May 2015. The conclusion of MOU agreement for Fraud Protection Business with IBK (Industrial Bank of Korea) and
Woori Bank
Dec 2015. The service offer of Finance Fraud Protection to SKT
Aug 2016. The service offer of Finance Fraud Protection to IBK

THECHEAT has contributed to preventing secondary damage by using a variety of actual financial fraud damage
information. Actually, the Internet fraud damage, which increased every year upto now, has declined by 25 percent since
the company has been launched. The total number of fraud prevention cases exceeded 1 million as of December 2017.
According to one related statistics in 2015, the number of fraud loss cases reported that year was more than 41,000, and
the number of mobile phones used for crime hiked to 15,000. Also, the amount of loss accumulated to 11.5 billion won,
which rose 240 million won from a year earlier. However, THECHEAT helped prevent more than 1.2 million financial
fraud losses in that year, which rose 300,000 from a year earlier. According to the data collected by THECHEAT, it is
most common that the amount of loss is less than 50,000 KRW; it is also found that male victims were 72%, which are
higher than that of women. By age group, 39% were in 20s and 35% were in 30s. THECHEAT has introduced a variety
of services, which can be used to prevent fraud from occurring by confirming the validity of account to check whether
the account can process any transaction in a right way, identifying your cashier's checks, finding out any precinct and
verifying the identity.
-Korea : ‌Naver (IT Service), SKT (Telecommunication), IBK Industrial Bank of Korea (Financial Institution), Toss (Fintech
Platform), Itembay Co. (Game Item Exchange), IMI Co. (Internet Game), Quick Get (E-commerce), Turk &
Company (E-commerce), Finnq (Financial IT) and Finger (Financial Solution)
264
TheZoneFund
Representative Lee Min-hee Incorporation Date Apr 10th, 2017
Location 172, Baekjegobun-ro, Songpa-gu, Seoul, Republic of Korea (2F, JK Building)
Web Page www.thezonefund.com E-mail info@thezonefund.com Contact +82-1600-2472
Enquiry Contact +82-1600-2472 Enquiry E-mail info@thezonefund.com
Form of
Main Service Crowd Funding Fintech Area Crowd Funding B2C
Business
Introduction
The Zone Fund operates real estate and asset back mortgage based crowd funding platform. The sudden change of
financial environment requires a social response to the consumer-oriented innovative financial system and the abolished
financial resources. In response, better funds have started to be attractive to investors. Crowd funding, a collective
mindset, starts with a win-win financial investment platform for both the consumer and the participant. The Zone Fund
is based on faith and transparency to create a new history in the p2p industry. The essence of finance is trust, and our
members are fully aware of their importance through decades of financial power. Professional committee members
are passionate about safeguarding the investor's property. The Zone Fund thrives to contribute to the interests of the
participants and society.
History
Apr 2017. Established The Zone Fintech (Platform) and The Zone Loan (Loan)
Apr 2017. Concluded a MOU agreement for technology exchange with Pay Gate
Jun 2017. Concluded a MOU agreement for business cooperation with Altos Business Group
Jun 2017. Selected as a regular member in Korean P2P Financial Association
Aug 2017. Concluded a business cooperation agreement with Fidelis Asset Management Co.
Aug 2017. Achieved the 1st Rank in Korean Customer Satisfaction Index (Customer Satisfaction Brand)
Nov 2017. Achieved 10 billion won of total investment.

The Zone Fund has put the know-how of financial and real estate experts into the P2P business. Experts with over
KRW 1 trillion in investment and credit experience have deliberated, and have been operating security accounts and
security accounts for customers' funds. The Zone Fund values 3 factors the most. First value is a profitability, which is a
core of investment. Second is a security to protect investors’ investment near perfect by multiple layers of screening and
investment protection systems. Third is transparency; adopting a compliance system, it monitors investment flow and
operation system to be a safe and solid company.
The Zone Fund operates an investor protection system called 'I protect my investment products!' It is a system to
compensate for the shortcomings because the information that can be disclosed is limited due to the nature of FinTech,
which has to use an online platform. The Zone Fund is a separate commodity outsider who acts as a compliance observer
and identifies products objectively and transparently.
The Investor Protection Officer will be able to view the full text of the documents for his investment and immediately
report on the progress of the investment product by e-mail or telephone. In addition to this, an investor can receive a gift
certificate based on the details of the activity during the repayment of the principal.
-Korea : ‌Kukje Asset Trust., Ltd. (Estate), Mirae Credit Information (Credit Information), Sehoon LLC (Law Firm), Pay Gate
(Financial IT Company), Hana Accounting Corporation (Accounting Firm) and Korea P2P Finance Association
(Business Owners’ Organization)

Thinkpool Co., Ltd.
Representative Kim Dong-Jin Incorporation Date Jan 11th, 1994
Location 70, Gukjegeumyung-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (15F, Miwon Building)
Web Page www.thinkpool.com E-mail thinky@thinkpool.com Contact +82-1666-6300
Enquiry Contact +82-2-2174-6403 Enquiry E-mail Karen@thinkpool.com
RMS, AI Contents, Login Theft Form of

Main Service Prevention System, Robo- Fintech Area Robo-Advisor B2B/B2C
adviser and others Business
Introduction
Thinkpool offers various services by interlocking finance and information technology. Solutions that Thinkpool varies from
RM (Risk Management), A.I. based Robotization, LBS (Location Based Service), NFC (Near Field Communication) and
Deep Learning.
Thinkpool sets up a principal that it develops a product or service based on its patented technologies. It owns numerous
intellectual property rights such as 91 cases of patent registers and 167 cases of patent applications( domestic 142 cases,
foreign 5 cases, PCT 20 cases)
History
Jan 1994. The foundation Thinkpool Co., Ltd.
Sep 1999. The launching of Online Securities and Economic Information Service
Dec 2006. The launching of AI System-based News, ‘Time and Point’
Dec 2014. The approval of ‘Card Touch Verification’ as an additional verification method for the electronical bank fraud
protection (the Financial Supervisory Service)
Jun 2015. The service launching of ‘Auto Quant Trading System’ for Daewoo Securities Co., Ltd.
Jul 2015. T
he acquisition of excellent firm certificate in ‘the compensation for employee’s invention’ (the Korean
Intellectual Property Office)
Mar 2016. The construction of Integrated Stock Investment Robot System ‘RASSI’
Mar 2017. The launching of ‘Share Wise Korea Website’ for the international stock investment information.

Thinkpool is a Fin-tech company focusing on risk management and Robo business. Thinkpool's Anti-theft Solution
is a security and authentication product that is a prerequisite for financial transactions. The photo authentication
solution will soon be released as a security and certification product in the used commodity trading market. Card
Touch authentication solution and other authentication solutions will also be launched. In the Robo Division, financial
engineering and artificial intelligence related products are introduced under the brand name "RASSI (Robot Assembly
System on Investment)". There are also systems that automatically generate news using artificial intelligence. It utilizes
artificial intelligence to analyze the data of various electronic disclosure systems in real time, automatically producing
digital contents, and supports the scope to cover all events immediately. It also performs comparative analysis with
competitors. The Robo-Quant system analyzes real-time information and financial data through artificial intelligence and
analyzes its corporate value through its own algorithm to determine undervaluation, thereby identifying undervalued
stocks and establishing a portfolio.
-Korea : Korea: NH INVESTMENT & SECURITIES CO., LTD (Financial Institution), KB Securities Co., Ltd (Financial
Institution), Mirae Asset Daewoo Co., Ltd (Financial Institution), Kiwoom Securities Co., Ltd (Financial Institution),
DAISHIN SECURITIES CO., LTD (Financial Institution), Korea Investment & Securities Co., Ltd (Financial
Institution), Dongbu Securities CO., Ltd (Financial Institution), KT (Telecommunication Company), SKT Telecom
(Telecommunication Company), LG U+ (Telecommunication Company) and Korean Railroad Corporation (Public
Institution)
266
Tilon
Representative Choi Baekjun Incorporation Date Aug 8th, 2001
Location 288, Digital-ro, Guro-gu, Seoul, Republic of Korea(Room No. 1602, 1, DaeRyung post tower)
Web Page www.tilon.com E-mail bslee@tilon.com Contact +82-2-2627-9000
Enquiry Contact +82-2-2627-9013 Enquiry E-mail bslee@tilon.com
Secure Virtualization, Form of

Main Service Standard electronic document, Fintech Area BlockChain B2B/B2C
Block Chain Business
Introduction
Tilon is a developer of cloud software, providing digital asset management and security services based on cloud, on-
offline linking, and block-chain.
Tilon supplies cloud and Fin-tech products with pure domestic capital and technology, and has won a number of
domestic references based on its technology awarded by IR52 Jang Young-sil.
From 2015, the company is expanding its business scope by acquiring HI.com Inc., a specialist company for non-face-to-
face authentication and PDF-based electronic document creation management solutions.
History
Sep 2015. The establishment of Paycon
Nov 2015. The registration into exchange business by the Bank of Korea
Jan 2016. The conclusion of development agreement for the settlement system with OWRAInfo
Apr 2016. The completion of official registration into electronic payment settlement agency services
May 2016. The conclusion of PG affiliation agreement with all card companies
Sep 2016. The conclusion of foreign exchange agreement with KEB Hana Bank
Nov 2017. The conclusion of agreement for a facial recognition (OEZ SOFT)
Dec 2017. The completion of development and application of ‘Market Pay’, integrated payment system for affiliated
stores

Tilon introduces cloud and Fin-tech solutions.
Among Fin-tech solutions, Fstation is an intermediate management solution that stores and manages electronic
documents stored by non-face-to-face authentication in a variety of tasks such as insurance, cards, and account opening.
It unifies paper documents into a single electronic document to implement Green IT without paper documents.
CenterFace is a solution to support secure transactions with non-face-to-face authentication such as card application and
bank account opening. The non-face-to-face authentication process is an electronic document that is produced as an
encrypted to standard electronic documents and recognized as legally valid.
CenterFace is a PDF-based electronic document that provides the signature functions required to apply for a contract
and the ability to take pictures for identification purposes. BlackMarking technology protects personal information by
identifying the resident registration number of the image of the resident ID photographed for identity verification.
CenterChain is a counterfeit security solution used for all electronic documents requiring authenticity, and is used for
authenticity verification in various fields such as real estate contracts, insurance contracts, diplomas and certificates. An
electronic stamp is attached to the electronic document to prove whether it is authentic or not. When generating an
electronic document, a block chain technique is used in which original verification information is distributed and stored in
a node server instead of a single storage space.
-Korea : ‌NH Investment & Securities Co. Ltd.(Financial Insitution), Credit Finance Association(Credit Agency), Tong Yang
Insurance(Financial Insitution), KB Kookmin Card(Financial Insitution), Woori Bank (Financial Insitution), Korea
Workers’ Compensation & Welfare Service (Public Angecy), KDB Mirae Daewoo Securities Co. Ltd. (Financial
Insitution), Samsung Card (Financial Insitution), Seogang Univeristy (Educational Institution)

TITANINVEST
Representative Che Changho Incorporation Date Jun 28th, 2017
Location 7, Yeonje-ro, Yeonje-gu, Busan, Republic of Korea(Room No.107, 1F, yeonsan-dong)
Web Page www.titaninvest.co.kr E-mail titan@titaninvest.co.kr Contact +82-51-868-6100
Enquiry Contact +82-10-4182-9284 Enquiry E-mail jinho@titaninvest.co.kr
Online small money Form of

investment agency Business
Introduction
TITANINVEST is a real estate P2P specialist.
It provides easy loan for business who need a mortgage loan and safe investment opportunities for investors. In
addition, construction experts and financial experts in the region have established know-hows to manage risk, improve
profitability, and become a safe investment destination. As a platform for connecting borrowers and investors, it provides
brokerage services for cloud funding and P2P platform services. It provides low interest rates and high accessibility for
borrowers, and easy investment for investors with high returns
History
Jun 2017. The foundation of TITANINVEST
Jun 2017. The promotion of deposit separating-storage system
Aug 2017. The launching of 1st TITANINVEST product funding
Sep 2017. The registration into Korea P2P Financial Association
Oct 2017. The launching of 2nd TITANINVEST product funding

TITANINVEST is a business that connects investors and borrowers in a P2P way.
P2P financing is a new online financing platform that connects borrowers and investors, providing a low interest rate and
high accessibility for borrowers and an easy to invest and high yield for investors.
Once the loan application is received, it will be reviewed and finalized. In the case of real estate loans, it usually takes
about two weeks, depending on the evaluation criteria, such as the evaluation of the collateral and the appropriateness
of the business plan. When application is approved, investors are recruited along with the loan agreement. Once the
recruitment is complete, the loan will be paid after completing necessary procedures such as collecting the receivables.
TITANINVEST is offering safe apartment mortgage loans. This is a loan product created by the demand for P2P financing
by residents who have difficulty in making a residual loan due to the increase in the bank balance. You can choose a
shorter loan period and you do not have a modest redemption fee. Loans can be made from the shortest 2 months to
the longest 1 year, and mid-term redemption is also free.
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TKon
Representative Suh Jaewan Incorporation Date Apr 16th, 2015
Location 67, Yeouinaru-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (15F, Sansong building)
Web Page www.tkon.co.kr E-mail mail@tkon.co.kr Contact +82-1544-0038
Enquiry Contact +82-10-4522-6935 Enquiry E-mail mrblue01@hanmail.net
PG/Overseas remittance/ Form of

Main Service Simple payment/Block Chain/ Fintech Area Payment/Settlement B2B/B2C
Point saving & settlement Business
Introduction
TKon is a specialized company in financial services, offering electronic financial services and IT solutions. TKon is an
electronic payment agent that provides integrated payment solutions to its merchants. In addition to existing payment
methods, QR payment, NFC payment, and face recognition payment using biometric information are supported. TKon
has a high level of security to provide various payment solutions with marketing support and point linkage system. TKon
will also carry out public interest projects through a combination with public works.
History
Aug 2014. Sep 2015. The establishment of Paycon
Nov 2015. The registration into exchange business by the Bank of Korea
Jan 2016. The conclusion of development agreement for the settlement system with OWRAInfo
Apr 2016. The completion of official registration into electronic payment settlement agency services
May 2016. The conclusion of PG affiliation agreement with all card companies
Sep 2016. The conclusion of foreign exchange agreement with KEB Hana Bank
Nov 2017. The conclusion of agreement for a facial recognition (OEZ SOFT)
Dec 2017. The completion of development and application of ‘Market Pay’, integrated payment system for affiliated
stores

TKon provides electronic payment service.
Electronic payment is a supporting system designed to make it easier for e-commerce shops (merchants) to build and
operate e-commerce infrastructure. Using TKon's electronic payment, the merchant does not need cumbersome
procedures with each credit card company and bank, and it allows the service of various payment means such as credit
card payment service, virtual account, and account transfer.
TKon offers a merchant-tailored payment solution to eliminate inconveniences, as merchant payments are often split
between online and offline. This will help merchants and customers to create convenient payment and best value. It
applies online and offline convergence payment solutions based on mobile payment to merchants. TKon 's MarketPay
supports points accumulation, settlement, and use of merchants and customers' cards, and supports merchant
marketing. QR code and NFC settlement are offered as a simple payment method according to merchant reservation,
order and mobile environment, and SMS payment is made possible for payment and settlement between remote
customers and companies. Membership registration, security authentication and billing system were also introduced
through facial recognition.

TMONET Inc.
Representative Park Jin-Woo Incorporation Date Sep 15th, 2007
Location 86, Mapo-daero, Mapo-gu, Seoul, Republic of Korea (6F, ChanggangBuilding, Dohwa-dong22)
Web Page www.t-monet.co.kr E-mail jhchung@tmonet.co.kr Contact +82-1899-2823
Enquiry Contact +82-10-3007-9314 Enquiry E-mail jhchung@tmonet.co.kr
Mobile Transportation Card, Form of

Main Service Fintech Area Payment/Settlement B2B/ B2C
Financial Security Token Business
Introduction
TMONET Inc. is specialized in mobile payment solution.
TMONET develops payment system (online T-money recharge, payment, USIM Applet, smart card), and supplies them to
the market. In order to capture mobile business opportunities, acquire related technologies, and expand its business area,
TMONET has spun off from in-company venture of Korean Smart Card on 2007. After spun-off, it developed T-Money
and operates T-Money and many other related businesses.
TMONET expands its area from mobile payment solution specialist to IoT based car sharing business and security
authentication technology based financial security token business.
History
Oct 2007. Establishment of Timonet
2007. Launching of Mobile T-money service
2010. Opening of Android-based Smartphone T-money Service
2013. Web2.0 Smart creative city NFC special enterprise certification
2015. Opening of Payco/Samsung Pay and T-money service and the development of NFC Security Token Service
2016. Opening of NFC charge/payment integrated APP service
2017. Development and commercialization of Cloud Security Token.

TMONET offers a mobile payment solution.
In the field of mobile traffic card business, it supplies mobile T-Money. It is installed on USIM chip mounted on smart
phone, and it is a service that can be used in online and offline merchants by charging smart phone with T Money. It is
most convenient for a user to use a corporate transportation card without using a receipt. In addition, the treasurer can
collect the records from the program instead of the receipt, and can handle the proof process, thus simplifying the work.
You can also charge T Money cards directly from the company without stopping at the convenience store or subway
station. The issuance service, which is a crowd security token, uses the security module of the trust authority to securely
generate and store the certificate. Financial and electronic complaints provide secure and convenient digital signatures
that can be used immediately after identification when a certificate is required. The Easy Signing service does not need
to carry a certificate and does not need to install ActiveX, and it can be easily used as a fingerprint instead of entering a
complex password.
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TOGETHER APPS
Representative Kim Hang-ju Incorporation Date Sep 10th, 2015
Location 34, Teheran-ro 25-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Sambo Building, Yeoksam-dong)
Web Page www.together.co.kr E-mail together@together.co.kr Contact +82-1544-2499
Enquiry Contact +82-10-2500-3687 Enquiry E-mail Kiddy822@naver.com
Form of
Main Service Online Loan Brokerages Service Fintech Area P2P Finance B2B/B2C
Business
Introduction
TogetherApps is a provider of real estate mortgage brokerage services using P2P (Peer to Peer) method.
Financial professionals, dvelopers, planners, designers, and marketers with more than 10 years of experience operate
TogetherApps.
TogetherApps has launched more than 650 loan products within two years of its establishment, and cumulative lending
has exceeded 80 billion won. The repayment amount is more than 40 billion won and the number of investors is about
7,500.
In September 2017, it acquired a Series A investment of 3 billion won from Korea Investment Partners.
History
Jan 2017. The industry’s first acquisition of ‘ISO 9001’ certificate for the quality management system
Jan 2017. The conclusion of consignment contract for the examination and monitoring service with Mirae Credit
Information Co., Ltd.
Apr 2017. The change of brand name from TOGETHER into TOGETHER FUNDING.
May 2017. The conclusion of P2P-matched financial service contract with JB Financial Group
Sep 2017. The investment attraction of 3,000,000,000 Won (Series A) from Korea Investment Partners (Acquisition of
Preferred Stock)

TogetherApps operates a P2P financial platform.
"mid-term withdrawal system" in which funds can be withdrawn (canceled) in the middle of the duration of contract.
The newly introduced open market is a system that can freely buy and sell the right to receive the principal & interest by
improving the existing mid-term withdrawal service.
Investors who want to withdraw (terminate) during the investment agreement period can proceed to sell 7 days after
applying for the sale. Investors who want to buy will be able to apply for investment (purchases) in the same manner
as before and receive the right to receive the principal. The seller will be paid after subtracting 3% of the sales amount
(commission). The role of TogetherApps is to review transaction details and real estate value of the application for
sale and then review and approve the eligibility of the sale. It also supports such tasks as renewing the composition of
investors by product.

Tomato partner
Representative Son Hyeok-jin Incorporation Date May 8th, 2005
Location 32, Yanghwajin 4-gil, Mapo-gu, Seoul, Republic of Korea (4F, E-Tomato Building)
Web Page www.tomato.co.kr E-mail tomatof@etoamto.com Contact +82-2-2128-3399
Enquiry Contact +82-2-2128-3399 Enquiry E-mail tomatof@etoamto.com
Form of
Main Service IT's me Fintech Area Others B2C
Business
Introduction
Tomato Partner is a provider of risk management solutions to the financial markets.
Tomato partner has various business divisions such as telecommunication, mobile (securities brokerage) business,
insurance (GA), securities contents centering around RMS (Risk Management System) business. It has 6 domestic
subsidiaries and 2 overseas networks (Shanghai, Yanbian) and its business area is expanding.
Tomato partner is Tomato Media Group's holding company.
History
Aug 2005. The foundation of Tomato partner
Sep 2008. The launching of the stock loan business
May 2009. The conclusion of RMS development launching and PR agreement for AzaAzaLoan (eTrade Securities-Dongbu
Mutual Savings Bank)
Mar 2010. The launching of the Korean first stock application 'JeungGwonTong' that confirms stock quotations without
logging in
Nov 2011. The patent registration of 'Information Provider System combining IPTV with Smart Phone'
Apr 2012. The merger of RMS business of NwithInfo and the extension of RMS business
Jan 2013. The conclusion of RMS development launching and PR agreement for Tomato Stock Loan (Hana Daetoo
Securities-Debec Savings Bank)

Tomato Partner offers a variety of financial solutions.
‘It's Me’ for opening an account launched by tomato partner presents a new experience of opening accounts through
face-to-face meetings. It's Me is a non-face-to-face account opening solution that combines a copy of identification card
and a video call method. Clients can be checked their real name by taking an ID card with a smart phone, transferring it
to a financial company, and making a video call with a financial company employee. Various complicated procedures such
as checking the authenticity of the ID card, verifying the identification of the person who submitted the ID card and the
person who is calling (comparing the visual check and extracting the features of the face and the photo), and creating the
account opening document are processed according to the financial company employees and systems. It's Me improves
sales by expanding sales channels of financial companies and saves the cost of operating branch offices. It is a customer-
oriented platform that enables customers to open an account without visiting a financial institution. It blocks information
leakage by encrypting the communication section and deleting the storage history.
-Korea : ‌ETrade Securities, Korea, Hana Financial Investment, Korea, Debec Savings Bank, Korea
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Tomato Pay Inc.
Representative Kwon Kang-Hee Incorporation Date Aug 9th, 2010
Location 32, Yanghwajin 4-gil, Mapo-gu, Seoul, Republic of Korea (5F, E-Tomato Building)
Web Page www.tomatopay.net E-mail starsini@etomato.com Contact +82-2-2128-2647
Enquiry Contact +82-2-2128-3338 Enquiry E-mail starsini@etomato.com
Jumuntong Form of
(under development) Business
Introduction
Tomato Pay is a provider of electronic payment and VAN services.
It introduces various services in order to develop domestic electronic financial industry and to provide better services to
small business owners. In order to play a leading role in the emerging online and offline market, it engages in various
businesses such as settlement agency, online card VAN, and others.
Tomato Pay plans to expand its payment methods and consolidate online and offline payment services in the future.
History
2010. The transfer into Tomato Media Group
2011. The development of HTS (Home Trading System) for a simulated investment of stocks and futures
2012. The development of RMS (Risk Management System) for Debek Bank
2012. The merger with business division of NWith
2013. The development of RMS (Hana Capital, Hanwha Savings Bank, Hana Capital and Dongbu Savings Bank)
2015. Change company name from TomTom to Tomato Pay
2015. The conclusion of representative affiliation agreement with BC Card, Samsung Card, Shinhan Card, Lotte Card,
Hyundai Card and Hana SK Card

Tomato Pay offers various payment services. Tomato Pay's PG (Electronic Payment Service) is a service that connects the
electronic settlement of a company and a customer, and it is a service to help the customer to make safe and convenient
payment.
It is possible to make online payment by contracting once. It can pay online only with a contract with Tomato Pay,
including domestic and overseas cards, and supports secure authentication processing. It is safe by applying various
card company authentication system as well as authentication and network encryption processing. The management is
convenient because Tomato Pay acts as an agency for approval, purchase, and settlement. It supports both face-to-face
and non-face-to-face integrated payment service applications, where all payment methods, from face-to-face to non-
face-to-face, are available. The payment function can be selected and loaded according to the merchant (seller).
Tomato Pay's VAN service is a service that allows the customer to check the credit status of the customer when using
credit card at the merchant and approve the payment. It supports all forms of card payment methods such as credit
cards, check cards, debit cards and other forms of cards, magnetic and IC cards. It provides the best equipment and
solution according to the characteristics and the sales type of the products currently sold.
The generic order box (smart order) from Tomato Pay is a smartphone-based preorder service that customers can order
without visiting the store. Based on the user's location, it provides guidance and order function from the nearby shops to
the detailed menu, and it is possible from the order to payment without the customer going directly to the store.

Triggerpartners
Representative Kim Unha Incorporation Date Jan 24th, 2017
Location 14, Teheran-ro 103-gil, Gangnam-gu, Seoul, Republic of Korea(3F, Samseong-dong)
Web Page www.cocktailfunding.com E-mail contact@triggerpartners.com Contact +82-2-785-2017
Enquiry Contact +82-2-785-2017 Enquiry E-mail contact@triggerpartners.com
Form of
Main Service Cocktail Funding Fintech Area P2P Finance B2C
Business
Introduction
Trigger Partners operates cocktail funding, a P2P investment platform created by the fund manager. Cocktail funding is a
P2P investment platform that connects investors and borrowers directly. It is a platform to invest in small to mid-size PFs,
which is good for business but difficult to invest in financial institutions. It focuses on the business feasibility of individual
businesses, not the controversial postwar rhetoric. As the cocktail funding progresses, the creditworthiness of the
contractor can be trusted, and the trust company acts as the proprietor. There is no construction risk, and after thorough
review of business feasibility, perfect fund control is realized to minimize investor risk.
History
Jan 2017. The foundation of Triggerpartners
Jun 2017. The conclusion of MOU agreement with Moin Company
Jun 2017. The conclusion of MOU agreement with Haemin Appraisal Co., Ltd.
Jun 2017. 'Martini Fund 2nd' sold out in one day
Jun 2017. The conclusion of MOU agreement with GoldenWired, big data company
Sep 2017. The launching of ‘Board Ca-lender Beta’, P2P product schedule calendar sharing system

Trigger Partners continues to invest and lend in a P2P way. Cocktail funding provides a calendar of issuance and
repayment of principal receipt certificates. It provides investment convenience and safe investment environment, such as
prepayment of investment interest. Trigger Partners is also developing a system to issue a transit confirmation for cocktail
funding. P2P financing, such as cocktail funding, is based on the belief that creating a sound and secure investment
environment is essential because investor trust is paramount.
The Martini Fund (Asset-Backed Loan / ABL) offered by Cocktail Funding is borrowed as a good asset with bad refunds.
The borrower will receive a loan at a discount for urgent use. The Kahlua Fund (investment fund for completion of
construction) is to complete the investment in excess of the project cost for additional investment (loan) for some reason
at the high-rate work place.
The Mohiti Fund invests in projects that are fully controlled by all PF processes, including funding, process and supervision,
by investing in a second place in the business where the trustee is the owner. Long Island Funds (Bridgestone products of
large projects) invest business expenses for licensing based on PF procurement resources such as defined lease and asset
management companies.
-Korea : ‌Korea P2P Finance Association(P2P Corporate Support), Haemin Appraisal(A[ppraisal), Golden Wired (big data)
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TriWorldHoldings Inc.
Representative TriWorldHoldings Inc. Incorporation Date Apr 16th, 2015
Location 14-8, Teheran-ro 70-gil, Gangnam-gu, Seoul, Republic of Korea (9F, ls 24)
Web Page www.autonnet.com E-mail meoktw@gmail.com Contact +82-1670-7282
Enquiry Contact +82-10-4926-2567 Enquiry E-mail meoktw@gmail.com
Form of
Main Service Auto On Net Fintech Area Ohters B2B/B2C
Business
Introduction
TriWorldHoldings is specialized in providing a warranty service for domestic and imported cars.
For cars that are out of free warranty period, it introduces ‘Extended Car Warranty’ service by developing a Fin-tech
product, which is combination of financing a car repair through European reinsurance companies and auto mechanic
technology.
Since 2016, it started offering membership for domestic and imported cars, and as of October 2017 it has acquired 2,000
members. By providing P2P based auto direct deal service in domestic’s dealer oriented used cars market, it is leading a
used cars market based on Woori Bank’s Auto Loan.
TriWorldHoldings are partners with various auto service companies.
History
Apr 2015. Foundation of TriWorldHoldings
Dec 2015. Opening of Imported Car Warranty Cooperation Service with Samsung Card Co., Ltd.
Oct 2016. Conclusion of European Reinsurance Warranty Service Agreement (100th service store opened)
Mar 2017. Opening of Domestic Car Warranty Service (Totally 1,500 service customers)
May 2017. Conclusion of Car Import Agreement with TIRE PRO (50 stores opened around the country)
Aug 2017. Supply of Car Investment Warranty Service to Shinhan Card (Car Investment Warranty)
Sep 2017. Opening of Wivimobile Auto Loan (220th Service center opened) (Totally 1,500 service customers)

TriWorldHoldings is a provider of car warranty services.
TriWorldHoldings provides one-stop service from extended warranty service to sales with only one authentication
reservation. In addition, it has provided maintenance services through 200 maintenance networks nationwide, and it
provides P2P direct deal service.
TriworldHoldings is taking a sales strategy in connection with Auto Loan because the warranty is becoming more and
more important in the domestic used car market. With extended warranty service, you do not have to worry about
repair costs even after the warranty period expires. Auto-on-Net Extended Warranty Service fixes repairs for vehicles
that have expired warranty period. Through the certification service, it confirms the status of the vehicle and supports
safe operation with quick action. The 'Chatocha Waranty' service is a special warranty service that provides an extended
warranty of 365 days / 20,000 km when buying or selling a used car. The guarantee of the 'Chatocha Warranty' service
includes engine, mission and braking system, and if the immersion and mileage manipulation is found within the
warranty period, the full purchase price and the transfer fee can be refunded. In particular, unlike the used car extended
warranty service of a general used car trading site, you can receive warranty repair free of charge at no additional cost,
such as a consumer contribution fee.

T-square
Representative 권영철 Incorporation Date Dec 21th, 2015
Location 1, Mandeok 3-ro 16beon-gil, Buk-gu, Busan, Republic of Korea(Room No. 301)
Web Page www.titae.co.kr E-mail titae0812_cs@naver.com Contact +82-1670-0812
Enquiry Contact +82-1670-0812 Enquiry E-mail titae0812_cs@naver.com
Form of
Main Service T-square service Fintech Area FInance Platform B2C
Business
Introduction
T-square is a peer to peer (P2P) platform operator focused on real estate.
‘Many a mickle makes a mucle,’ a real estate P2P financial platform service in T-square, examines the business plan, land
valuation, and refund ability of clients who need building funds, and collects funds from investors through P2P method
It lends building funds to the owner. ‘Many a mickle makes a mucle’ operates a construction management system that
transparently discloses the whole process of construction, such as financial direct transactions, competitive bidding,
site and construction fee management, which directly connects building owners with investors who need construction
funds.
History
Dec 2015. Establishment of T-square
Feb 2016. The launching of ‘Little by little’, real estate P2P financial platform service
Jul 2016. The award of grand prize on Fintech Creative Idea Contest
Mar 2017. The patent registration of ‘Little by little’ for safety
Oct 2017. Registration into Korea P2P Financial Association
Nov 2017. Acquisition of venture company certificate

T-square is playing a role in linking investors with clients who need funds through a P2P platform called ‘Many a
mickle makes a mucle.’ Clients build affordable homes through affordable mid-yield loans, and investors are given the
opportunity to invest in good value easily and safely. It is aimed to solve the absurdity of the construction industry and to
make a clean building market by connecting the client, the investor, the designer, and the construction company on the
platform. ‘Many a mickle makes a mucle’ construction loan service is able to borrow at a lower interest rate than savings
banks and lending loans, as well as it increases the loan limit through self-examination. T-Square is also introducing
HouseBuy. Unlike the existing share house, it provides individual rooms for one person to protect personal privacy and
provides a co-living space for living together with office, resting space, and working place for young people such as pre-
founder, university student, HouseBuy is a share house for one young man who wants independence but does not want
isolation.
-Korea : ‌Korea P2P Finance Association(P2PCorporate Support), barun Law ofice(legal service), Baek Hong Ki judicial
scrivener (legal service)
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TurnOn
Representative Choi Jin-yeol Incorporation Date Jul, 2017
Location 200, Yeongdeungpo-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (2F, Wibee Fintech Lab)
Web Page www.jadong2che.com E-mail jadong2che@gmail.com Contact +82-2-2138-7202
Enquiry Contact +82-10-2104-8423 Enquiry E-mail Jadong2che@gmail.com
Electronic Transter Receipt Form of

Agency Business
Introduction
TurnOn is a start-up that develops a platform for popularization of automatic transfer. TurnOn is thriving to realize an idea
that everyone needs but no one could think of, and developing a service by utilizing unexercised ideas. TurnOn improved
turn-by-turn automatic transfer service, which is a platform for activating automatic transfers, and provides services for
small and medium-sized businesses that are not equipped with automatic transfer systems, as well as from billing to
settlement. In May, 2017, it received a prize for preliminary founder start-up challenge section in the idea competition of
the Fin-tech support center. It was selected as 2nd Woori Bank’s Weebee Fin-tech Lab, and it made business alliance with
Woori Bank for product service development agreement.
History
Apr 2017. Selected as the 2nd Wibee Fintech Lab
May 2017. The award of Grand Prize in the Pre-Entrepreneur and Startup part of the 17th Fintech Center IDEA Contest
Jul 2017. The establishment of TurnOn Inc.
Aug 2017. The conclusion of service agreement with 3 companies including HandsomeBox
Sep 2017. Selected as the 1st venture company of Korea Technology Finance Corporation
Sep 2017. The award of Grand Prize in 2017 G Valley Startup Competition
Nov 2017. The launching of 'Auto-Transfer.com' beta version

TurnOn runs 'Autotransfer.com', a platform for anyone to apply anywhere for automatic transfer. 'Autotransfer.com' is
the first and easiest mobile auto transfer application platform service available for customers, merchants and financial
institutions. In order to make convenient and safe automatic transfer application platform services with the merchants
and financial companies from the viewpoint of customers. 'Autotransfer.com' provides automatic payment application
service for almost all fields with the application of automatic transfer and charge application maximizing customer
convenience compared to its competitors, and it also provides various payment methods including credit card, account
and mobile phone payment. In addition, for security, it adopts secured authentication (mobile phone authentication /
ARS2CH, digital signature) and financial security solution (keyboard security, data encryption, virtual card, etc.). Electricity,
gas, and other utility bills are also supported, but automatic payments are also accepted for various industries such as
education, rentals, subscriptions, food and beverages that require automatic payment. TurnOn is committed to thorough
information security, which ensures that information is securely and securely protected. It has applied various security
solutions such as server security, app obfuscation, web section encryption, and ARS2CH, as well as the NSHC security
solution (Droid-X) used in Samsung PAY.
-Korea : ‌Shinhan Card, Korea, Samsung Card, Korea, KB Kookmin Card, Korea, Hana Card, Korea, BC Card , Korea, Lotte
Card, Korea. Woori Bank, Korea, KSNet, Korea, Danal, Korea, Settlebank, Korea

Turtles Asset Investment Management
Representative Kim Do-gi Incorporation Date Jun 16th, 2009
Location 397, Seocho-daero, Seocho-gu, Seoul, Republic of Korea (Room No.2403, Building B, Boutique Monaco)
Web Page www.turtles.co.kr E-mail goldax@daum.co.kr Contact +82-2-780-1381
Enquiry Contact +82-2-780-1381 Enquiry E-mail goldax@daum.co.kr
Number of Employees - Starting Capital 2,100,000,000 Won
Main Service Investment Advisor Fintech Area B2B/B2C
Introduction
Turtles Asset Investment Management is an asset management company that manages hedge funds, and is building
statistical arbitrage trading, algorithm trading, and HFT (High Frequency Trading) systems. Specialized in futures, options,
and ELW, Turtles Asset Investment Management provides algorithmic trading advisory services to securities firms, asset
management companies, and other corporations.
Turtles Asset Investment Management’s representative service is ‘TAS,’ a robo-advisor algorithm trading system.
History
Jun 2009. The foundation of Turtles Asset Investment Management
Jan 2010. The registration as the investment advisor company in Financial Supervisory Service
Jan 2014. The operation of arbitrage trading system
Jan 2015. The operation of derivative product long-shot system and fare system
Mar 2016. The capital increase by issuing new stocks to 2.35 billion
Mar 2016. The operation of the scaling system

Turtles Asset Investment Management is introducing 'TAS', a robo-advisor.
TAS is a system that allows artificial intelligence algorithms to analyze the price of stocks and stock futures in real time
and to deal with price discrepancies, that is, when profit opportunities occur. It has the advantage of securing small but
stable profits through arbitrage trading, which occurs frequently in the market. It is suitable for investors who are looking
for stable profit because they only carry 100% risk-free arbitrage which is not exposed to market direction and risks of
individual stocks.
It is designed to eliminate the need for people to intervene in asset management, because it manages everything
from the management of margins, which is difficult to direct investment, to pre-asset allocation, stock limit, entry-exit
timing, and risk management. It is a good way to control people's mistakes and logical errors so that they have excellent
strengths in terms of risk management. Turtles Asset Investment Management provides arbitrage trading of 'spot and gift
longshots'. It uses a customized strategy for investors who want a risk-free return regardless of stock price fluctuations.
Dividend yield, leverage utilization, and turnover may affect the target return.
Through Long-short pair trading of stock futures, the company seeks absolute returns through stock futures vs. stock
futures spread gains.
It is a customized strategy for investors who want to earn low risk, and profit margins, or turnover rates, may change the
target returns.
278
Twotonine
Representative Choi Jae-won Incorporation Date Jun 8th, 2016
Location 8, Nonhyeon-ro 102-gil, Gangnam-gu, Seoul, Republic of Korea (Room No. 301)
Web Page www.stockking.kr E-mail jw.choi@twotonine.com Contact +82-2-563-0209
Enquiry Contact +82-10-8555-3419 Enquiry E-mail jw.choi@twotonine.com
Main Service Stockking Fintech Area B2C
Introduction
Twotonine is a stock information provider.
Stockking, operated by Twotonine, is a service that allows consumers to obtain information on stock investment and
receive recommendations from stock experts. The goal is to provide differentiated services from other companies that
are already opaque. It is committed to providing transparent and reliable information at a reasonable price, making it a
service that individual investors can trust and use.
History
Jun 2016. The foundation of TwoToNine Inc.
Aug 2017. The beta service of Stockking
Sep 2017. The conclusion of real-time market information with KOSCOM
Oct 2017. The official launching of Stockking(Schedueled)
Nov 2017. The conclusion of marketing association contract with Yuanta Securities Korea Co., Ltd. (Schedueled)

Twotonine offers a service where consumers can obtain stock information and receive recommendations from experts.
It is a corporate vision to secure competitiveness from high-priced similar products that are opaque and to provide
differentiated services.
Stockking provides stock information for investors and recommends stocks. Individual investors can obtain real-time
information on stock trading, stocks, and transaction returns traded through the Stockking's investment system
and receive various stock investment information. Stockking provides a variety of stock information with transparent
investment performance indicators and a convenient interface. It also suggests a reasonable fee. Stockking supports
various recommendation searches. You can find recommended rooms by sorting by cumulative, monthly, weekly return,
and odds. It provides experts 'investment information at a glance and check the status of the experts' returns. It also
provides stock investment information at once, so you can easily check the information on the specialist recommendation.

UANGEL Inc.
Representative Yoo Ji-Won Incorporation Date Jul 15th, 1999
Location 3, Hwangsaeul-ro 240beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (10F, Hyundai Office Building)
Web Page www.uangel.com E-mail uangel@uangel.com Contact +82-31-710-6200
Enquiry Contact +82-31-710-6200 Enquiry E-mail sales@uangel.com
Form of
Main Service Mobile Network Fintech Area Financial Platform B2B
Business
Introduction
Uangel is a mobile solution developer.
Since the establishment in 1999, Uangel has played a key role in promoting SMS services and wireless data services in the
local mobile communication market, as an essential partner of local mobile communication service providers. With its
proven technologies and commercialization know-hows, it is now providing solutions to 20 telecommunication operators
in 16 countries.
Based on world class ICT technology and insight into markets, it constantly adds values to its customers. Uangel provides
smart banking solutions and non-contact authentication solutions to financial institutions.
History
1999. The establishment of Uangel Inc.
2001. The first expansion into the overseas market (Mongol)
2003. Listed on the Korea stock exchange
2004. Diversified the expansion into overseas markets (USA, Europe, Russia and Asia)
2004. The conclusion of agreement for ringtone service with DTAC in Thailand
2010. The launching of I.o.T business. The supply of fintech solution to Industrial Bank of Korea
2015. The supply of 4G core network & convergence solution in Indonesia

Uangel is a technology company that is also introducing various Fin-tech solutions based on accumulated technologies
in mobile industry. Uangel develops and supplies core mobile telecommunication network solutions based on the latest
global ICT standard technology in the field of mobile networks.
In the Internet of Things, the company introduces various IoT services in various industrial fields through a connection
between open object Internet platforms and devices. It is also launching an electric vehicle charging service platform,
including facilities control solution for Smart City, LPWA-based service platform, exhibition and tourism service solution.
In the service platform area, it develops and provides a service platform that can provide innovative user experience and
new added value. The company also introduces an integrated smart banking service platform for smart banking and a
non-face-to-face authentication solution that supports real-name authentication via a smartphone without visiting a
bank. Uangel is providing edu-tech services for children, which combine interactive multimedia educational contents with
smart devices in the edu-tech field. Tomokids, a mother-child play service for infants, Tomo-note, an integrated program
for young children's smart learning, and Tomo-ring, a communication channel between teachers and parents.
-Korea : ‌KT Powertel (wireless communication), CJ E&M (cultural contents), Samsung SDS (programming service),
Cheongho Nice (household goods rental), The Industrial Bank of Korea (financial institution), KB Kookmin Bank
Korea (financial institution), NH Nonghyup Bank (financial institution), Mirae Asset Daewoo Co., Ltd. (stock
broking), Hanwha Investment & Securities Co., Ltd. (securities brokerage) and Korea Rail Network Authority
(public institution)
280
Uberple, Inc
Representative Kim Jae-Yoon Incorporation Date Jan 8th, 2013
Location 165, Yeoksam-ro, Gangnam-gu, Seoul, Republic of Korea (2F, Haesung Building, Yeoksam-dong)
www.uberple.com
Web Page E-mail helpdesk@snek.ai Contact +82-70-8711-3338
www.snek.ai
Enquiry Contact +82-10-4554-0498 Enquiry E-mail tahn@uberple.com
Form of
Main Service Investment Research Fintech Area Others B2B/B2C
Business
Introduction
Uberple is a technology company that understands customer’s investment decision making process and develops
solutions that meet customer needs.
Uberple solves your difficult investment decision making problems by searching, analyzing and calculating billions of
financial big data. It developed financial calculation engine for financial AI.
It has made cooperation with Korea Securities Depository, Koscom, and KB securities for financial big data. SNEK, an
investment research assist platform that helps users can analyze companies of interest in depth, has been qualified for its
contents service quality by Korea Data Agency.
History
Jan 2013. The establishment of Uberple Inc.
May 2014. Launched SNEK 1.0 and the investment attration from Future Play
Dec
‌‌ 2014. Concluded a financial big data business agreement with KOREA SECURITIES DEPOSITORY and Coscom.
Selected as the TIPS Business
Dec 2015. Launched SNEK 2.0 (Web, Android, iOS)
Apr 2016. Selected as the market-linked R&D business. Developed the financial calculation engine for financial AI
Feb 2017. Concluded a financial big data search service agreement with KB Securities Co., Ltd.
Oct
‌ 2017. Acquired the quality certificate of contents from Ministry of Science, ICT and Future Planning and Data
Agency

Uberple offers to individual investor and institutions solutions to help them make investment decisions. (SNEK) as a
personal (B2C) platform through web and mobile apps, is provided, and to provide financial institutions with Uberple
Data Intelligence, a search engine for B2B services is provided. DeepSearch, a search query-based AI computation engine,
is being developed.
SNEK services consist of an information-centric content area and a community area based on the relationship between
research contributors and users. The content area focuses on news, public announcements, securities reports, IR reports,
and market and financial data that help investors make decisions based on proven information.
Uberple Data Intelligence is a service that combines machine-learning technology with a large number of text-based big
data in financial markets such as news, brokerage reports, disclosure, business reports, and IR reports. It is provided in API
form so that development department can use it easily.
DeepSearch is an artificial intelligence calculation engine that finds answers within a few seconds when a financial
industry employee inputs data and information that they are curious and need in a simple quasi-natural form query into
DeepSearch.
-Korea : ‌Shinhan Investment Corp. (Asset Management), KB Securities Co., Ltd., NH Investment & Securities Co., Ltd.
(Securities Brokerage), Samsung Asset Management (Asset Management), Samsung Life Insurance Co., Ltd.
(Insurance), NICE Information Service Co., Ltd. (Credit information), Koscom (Securities computing) and Korea
Securities Depository (Public institution)
-Foreign Countries : ‌Thompson Reuters (Media)

Ucanstart
Representative Kim Jung-hwan Incorporation Date Aug 13th, 2015
Location 27, Eonju-ro 148-gil, Gangnam-gu, Seoul, Republic of Korea (4F, JeongEun Building)
Web Page www.ucanstart.com E-mail ucanstart@ucanstart.com Contact +82-70-5097-1456
Enquiry Contact +82-70-5097-1456 Enquiry E-mail ucanstart@ucanstart.com
Crowd Funding Form of

(Reward Type & Security Type) Business
Introduction
UcanStart operates a crowdfunding platform.
Arts, cultural creators, or prototype companies can attract funding through the crowdfunding system. From 2016, it
added securities-type crowdfunding. It secured seed investments in October 2015, It co-founded ‘Riceclay’ crowd funding
with NH RB Bank.
History
Aug 2015. The establishment of Ucanstart
Oct 2015. The attraction of seed investment
Jan 2016. Selected as the approved securities-type crowd funding
Apr 2016. The first agecy succeess of securities-type crowd funding from Frigatebird (approximately 100 million won)
Jun 2016. The conclusion of strategic agreement with Maeil Business Newspaper
Jul 2017. The launching of crowd funding 'Rice Clay' with NH Bank

UCanStart is a crowdfunding platform that provides a variety of ways to bring new ideas, products, creations, and
services into reality. Ucanstart is a mediator that helps the challenging 'starter' to continue its creative activities without
any restrictions on funding, and to connect more diverse content to those who want it. So far, it has been consulting
more than 400 projects. The projects were conducted in various fields such as music, art, sports, film, design, technology,
webtoon, publishing, games, social issues, and sponsorship. More than 120,000 people participated and invested more
than 3.3 billion won.
There are four types of funding that UcanStart proceeds. The Reward type is a material reward for the sponsor who has
a direct connection with the purpose of raising funds in the fields of culture, arts and manufacturing. The donation type
is a case where there is no monetary compensation for funds in the fields of culture, arts and welfare, or a non-monetary
cost (gifts, thank-you letters, etc.). The investment type, that is, the securities type, distributes the profit (equity, dividend,
etc.) arising from the business to the investors by issuing securities such as stocks in order to fund the initial start-up and
start-up businesses. A loan type is a case where an individual or a business operator who is not easy to use a system
financial institution provides loans to a majority to provide funds and provides interest.
-Korea : ‌Chung-Ang University (Industry-University Cooperation), Kookmin University (Industry-University Cooperation),
Korea Mobile Game Association (Association), NH Nonghyup Bank (Financial Institution) and Africa TV
(Streaming Broadcast)
282
UNIfunding
Representative Jung Hayeong Incorporation Date Apr 19th, 2016
Location 597, Gangnam-daero, Seocho-gu, Seoul, Republic of Korea (Room No.303, 3F)
Web Page www.unifunding.co.kr E-mail unip2p@naver.com Contact +82-2-542-9966
Enquiry Contact +82-2-542-9966 Enquiry E-mail unip2p@naver.com
Form of
Business
Introduction
UNIfunding is a peer to peer (P2P) platform operator.
UNIfunding is a safe, high-return investment platform provider for individuals and corporate investors who have not
found a suitable investment destination. It is win-win for both building owners and investors.
UNIfunding selects profitable real estate investment projects that are reviewed and evaluated by real estate professionals,
helping even small investors who lack real estate knowledge to generate profits.
History
Jun 2016. The registration as a telecommunication retail business
Dec 2016. The registration into NICE Investors Service Co.
May 2017. The conclusion of legal consulting agreement with Cheonyul LLC.
Apr 2017. The conclusion of MOU agreement with Korea Trust
Jun 2017. The registration into Korea P2P Financial Association

UNIfunding is a crowdfunding business operater in real estate sector.
The real estate investment products that UNIfunding focuses on are real estate mortgage products that have been
verified through the real estate mortgage evaluation safeguard system. All real estate construction loan and mortgage
investment products are secured by lending company, so unlike credit lending, insolvency rate is low and investment loss
is minimized by selling lien or auction procedure in case of insolvency. The P2P loan process begins with the borrower
applying for a loan on the online platform of UNIfunding. Investors will invest funds in the online funding platform of the
UN Fund, based on borrower terms. UNIfunding pays the recouped funds to its subsidiary, UNI Loan, and executes the
loan. The UN Loan sells to investors the right to receive principal and interest on the loan. Since the borrower repays the
principal, the investor can receive the proceeds.
-Korea : ‌Korea Trust (Real Estate Trust), NICE Information Service Co., Ltd (Credit Information), SC First Bank (Financial
Institution), NH Nonghyup Bank (Financial Institution), Paygate Bank (Electronic Payment), and Chunyul LLC (Legal
Service).

Unius
Representative Cho Jaemin Incorporation Date Dec 10th, 2015
Location 801, Neungdong-ro 31-gil, Gwangjin-gu, Seoul, Republic of Korea(3F)
Web Page www.unius.co.kr E-mail unius@unius.co.kr Contact +82-1800-0790
Enquiry Contact +82-10-4535-0419 Enquiry E-mail ceo@unius.co.kr
Corporate bond specialist, Form of

P2P investment Business
Introduction
Unius is an online peer to peer (P2P) platform operator.
It introduces potential companies with competitive technologies in need of funding to investors so that those companies
can attract investments.
All investments are made through the online homepage. Investors' investment is managed separately through a virtual
account linked to SC First Bank, and monthly interest income is provided to investors. It provides various information such
as investment details by investor, repayment plan, repayment history through homepage.
History
Dec 2015. he establishment of Unius
T
Jan 2016. The launching of online P2P investment service
Apr 2017. The award on Korea Customer Satisfaction Brand hosted by Weekly DongA
Jul 2017. The launching of new web site following guideline of Financial Services Commission
Jul 2017. The conclusion of business partnership agreement for deposit management system with SC Bank Korea
Sep 2017. The conclusion of MOU agreement with Fidelis Asset Management

Unius is a P2P financial platform provider that connects investors and borrowers online.
Unius means "I do not think only of myself, but you and me, we will make a company that can do well." The investors who
use Unius deposit funds in the virtual account, and the borrower is evaluated for investment through Unius. Investors will
invest in investment products that have been assessed through the use of Unius funding. Investment execution is carried
out by reputable SC First Bank.
In the course of the loan review process, Unius evaluates three categories, tally, and score them accordingly.
These are a quantitative and qualitative corporate valuation based on its financial statement and business plan, a credit
assessment based on the credit rating of the company and the CEO, and a collateral valuation to evaluate the collateral
held by the company or the CEO.
Unius rates into 10 levels from U1 to U10. The higher the score, the lower the rating. Loan is applicable from U6 grades or
higher.
-Korea : ‌Paygate Co., Ltd. (Electronic payment), FIDELIS (Asset management), Standard Chartered (SC) First Bank Korea
Ltd., (Financial institution) and Webloom (Web-site production)
284
UP
Representative Park Jin-seok Incorporation Date Jul 24th, 2015
Location 253, Pangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 701-2, Tower B, Pangyo Inovalley)
Web Page www.gopangyo.com E-mail kz333@naver.com Contact +82-31-608-5693
Enquiry Contact +82-10-4525-7617 Enquiry E-mail kz333@naver.com
Go Pangyo Form of
(Local Website for Pangyo) Business
Introduction
Up operates a 'Go Pangyo', a community service that links companies located in Pangyo. The goal of ' Go Pangyo
' is to bring the introduction and technology of over 1,500 companies in Pangyo to the platform and to encourage
collaborations among companies. It plans to support public relations for companies in Pangyo, and to provide mentoring
services for investment and sales support. The company plans to use ‘Go Pangyo ' as a model to spread the second and
third 'Go Pangyo' model throughout the country.
History
Dec 2016. The open of website (www.gopangyo.com)
Jul 2017. Selected as an honorary ambassador by KT WIZ

Pangyo is a community service for companies in the Pangyo area. "Go Pangyo" aims to be a platform brand that
represents an area which has platforms, information, and culture that are needed by companies, employees, and small
businesses in Pangyo. The profit model of "Go Pangyo" demonstrated the application (QRMON) as a marketing tool for
small business owners. Customers can use the QR code to order menus and merchants will be able to make smart phone
payment without a handset. By utilizing the Lotte App Card app, the company has secured payment convenience for
customers. When you pay with Lotte App Card, you do not need to register your card or authenticate yourself.
-Korea : BC Card (Financial Institution), Lotte Card (Financial Institution) and IBK Industrial Bank (Financial Institution)

Villy
Representative Joo Hong-sik Incorporation Date Apr 30th, 2015
Location 20, Dosan-daero 16-gil, Gangnam-gu, Seoul, Republic of Korea (Dream Plus Center)
Web Page www.villy.co.kr E-mail villy@villy.co.kr Contact +82-2-2052-7765
Enquiry Contact +82-2-2052-7765 Enquiry E-mail villy@villy.co.kr
Form of
Main Service Villy Fintech Area P2P Finance B2B
Business
Introduction
Villy operates an online P2P (peer-to-peer) loan-type crowd-funding platform that relays individual investors and
borrowers. Villy provides a safer lending service than any other P2P platform. The borrower can borrow at a minimum
annual interest rate of 5%, and investors can earn up to 15% annual return on investment. It provides broader loan
opportunities with the 'Villy Rating', a lender evaluation system designed to evaluate more realistic customer value by
combining credit information, repayment ability, and repayment history. The company has partnered with the big data
analysis company, RYWORKS, and is expanding cooperation with financial institutions such as KEB Hana Bank.
History
Apr 2015. The foundation of Villy Inc.
May 2015. The conclusion of business cooperation agreement with Pay Gate and NICE Information Service Co., Ltd.
Oct 2015. The foundation of Korea P2P Finance Association
Dec 2015. The conclusion of MOU agreement with LineWorks (a big data analysis company) and Korea University
Multimedia Security Lab.
Jan 2016. The conclusion of business cooperation agreement for small business loan with PayGate
Jul 2016. The conclusion of MOU agreement with KEB Hana Bank
May 2017. The achievement of total 70 billion won loan.

Through the P2P financial platform, Villy connects investors and borrowers. Villy offers not only easy funding but also
marketing effectiveness. It serves as a platform for connecting borrowers who want to borrow at low interest rates
conveniently without going through banks and investors who expect high returns. It is convenient for the lender and
can be easily invested because the paperwork procedure is simple and the power supply is available immediately,
which is effective for investors. Villy operates through the best lending review, bond management and collaboration
of information technology professionals. This reduces unnecessary costs and improves certainty through the solution.
In addition, the P2P financial industry is working to create a safe financial environment by introducing a third-party
deposit system and conducting fund management for the first time. Above all, the company has created a user-friendly
interface and user experience. It provides a user-friendly interface and user experience through strategic and systematic
observation and analysis.
-Korea : ‌Pay Gate (Electronic Payment), Korea P2P Financial Association (P2P Company Support), Line Works (IT
Company), Korea University (Educational Institution) and KEB Hana Bank (Financial Institution)
286
Viva Republica Inc.
Representative Lee Seung-Gun Incorporation Date Apr 23rd, 2013
Location 142, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (12F, Capital Tower)
Web Page www.toss.im E-mail support@toss.im Contact +82-1599-4905
Enquiry Contact +82-1599-4905 Enquiry E-mail Kylie.yoon@toss.im

Easy Remittance, Integrated
Account Lookup Service, Free Form of
Credit Rating Lookup, Investment/ Business
Loan Brokerage and others.
Introduction
Viva Republica presented Toss, a simple remittance service that will allow you to send money without a certificate in
2015. As of December 2017, Toss has been a pioneer in the domestic remittance service market, leading 13 million
cumulative downloads and cumulative remittances of 10 trillion won. Starting from the simple remittance, Toss is
continuing to show various financial services that consumers need such as integration account retrieval, credit rating
inquiry and management, CMA linked account and real estate small investment service and others. Viva Republica is
providing financial services that have not been experienced through Toss and are growing into a financial platform. In
March 2017, it attracted $ 48 million (about 55 billion won) from PayPal, Bessemer Ventures Partners, Good Water
Capital, Altos Ventures and Partech Ventures. KPMG International, a global consulting firm, and H2 Ventures, a Fin Tech
Venture Investment Company, selected Viva Republica as one of the "Global Top 50 Leading Fintech Companies" on
November 2017.
History
Feb 2015. Launched Easy Remittance Service, Toss’.
Sep 2016. Opened Integrated Deposit/Withdrawal Account lookup service
Dec 2016. Awarded ‘Grand Prize’ in ‘2016 Best Application of The Year’ (Goggle Play)
Feb 2017. Opened Free Credit Rating lookup/management service
Mar 2017. Attracted 48 million dollar investment from Paypal and others.
Jun 2017. Opened Real Estate Small Investment service
Jul 2017. Opened CMA-linked Toss Main Account Plus service
Oct 2017. Achieved the totally 11 million downloads of TOSS.
Nov 2017. Selected as 35th rank in the top 100 global fintech companies.

Toss, a simple remittance service by Viva Republica, has pioneered a simple money transfer service market that does not
require a certificate and has gained wide support in a short period of time due to its easy and convenient user experience.
If one registers one’s bank account, Toss can send money in seconds without a certificate. Simplicity is maximized by
simple account copying, Dutch payment, and automatic transfer. Even when you manage your account, you can input
and manage multiple accounts at once by simply inputting simple fingerprints. Toss is changing not just remittance
market but financial services market. Toss is continuing to explore the financial services that customers need, including
account consolidation inquiries, credit inquiries and management, CMA linked accounts and check cards, fund and real
estate investments, and bit-coin trading. The company aims to provide a comprehensive financial platform that enables
customers to easily and safely access finance and experience the best use experience. It makes a living simple and easy,
a life without a wallet, by paying with Toss at convenient stores and withdrawing cash at ATM without a card. When
making a payment, it is handled simply and quickly with the toss password. Since the commencement of the toss service,
the company has been providing secure services without any single security incident.
-Korea : ‌Shinhan Bank (financial institution), BNK Busan Bank (financial institution), KB Kookmin Bank (financial
institution), Jeonbuk (financial institution), National Federation of Fisheries Cooperatives (financial institution),
KDB Industrial Bank (financial institution), IBK Industrial Bank (financial institution) and NH Nonghyup Bank

Voim Technologies Inc.
Representative Kim Sang-bum Incorporation Date Mar, 1976
Location 12, Digital-ro 33-gil, Guro-gu, Seoul, Republic of Korea (5F, Woorim EBIZ 2-cha)
Web Page www.voimtech.com E-mail sbkim@voimtech.com Contact +82-2-890-7000
Enquiry Contact +82-10-8912-7310 Enquiry E-mail sbkim@voimtech.com
Mobile ID Certificate SI Form of

Development Business
Introduction
Voim Technology is a specialized provider of scan-based imaging systems in the financial and public sectors since 1976.
It is a leader in various industries from financial and computing office equipment, imaging solutions and check and
to identification information. Voim Technology provides scan imaging and OCR character recognition as key services.
Based on information recognition of the scanned image, it is the main technology to discriminate the image from the
information. The mobile identity verification service is introduced based on the information recognition, the personal
authentication and the personal information masking technology by the mobile ID photographing. In 2016, it launched
mobile identification authentication and self-certification and mobile document recognition services.
History
Mar 1976. The establishment of Voim Technologies Inc.
Mar 1976. The conclusion of Korea exclusive distribution agreement for the Micro Imaging & Digital Imaging with Canon
Inc.
Feb 1994. The conclusion of Korea exclusive distribution agreement for Micro Imaging & Digital Imaging with Eastman
Kodak.
Jun 2005. Selected as an ID card tester business for the self-certificate (Ministry of Government Administration and
Home Affairs).
Nov 2010. Selected as a self-certificate ID scanner business for the financial service (Ministry of Government
Administration and Home Affairs)
Sep 2013. Selected as an early voting self-certificate tester business (National Election Commission)
Oct 2016. The launching of mobile ID self-certificate, mobile document recognition and personal data masking.

Voim Technology provides solutions for various imaging solutions and ID information recognition. 'Privacy Protector',
which has been introduced at Show Technology, is an algorithm that recognizes image files that contain personal
information such as personal identification documents such as a personal identification card or driver's license that
is transmitted online or faxed to protect personal information by coloring black certain areas to protect personal
information. It provides masking personal information such as ID cards and non-standard documents or masking
biometric information such as fingerprints. Voim Technology is making efforts to improve customer satisfaction through
customer information security based on foreign policy response such as prevention of leakage of personal information
and customer information, various regulations and recommendations, and improvement of external credibility. Through
this, customers can reduce management risks through prevention of security incidents internally, enhance security and
improve external reliability through system application. In terms of legal and institutional aspects, it is possible to cope
with enforcement and change of various laws and regulations such as the Personal Information Protection Act, and to
improve security vulnerabilities and to prepare for accidents such as leakage of customer information.
-Korea : ‌Gwangju Bank (Financial Institution), SK Telecom (Telecommunication Company), Olleh KT (Telecommunication
Company), LG U+ (Telecommunication Company), Shinhan Bank (Financial Institution), KEB Hana Bank (Financial
Institution), NH Nonghyup Bank (Financial Institution), IBK Industrial Bank (Financial Institution), KB Kookmin
Bank (Financial Institution) and KDB Industry Bank (Financial Institution).
288
WADIZ
Representative Shin Hye-sung Incorporation Date May 1st, 2012
Location 242, Pangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 402, 4F, Tower A, Pangyo Digital Center)
Web Page www.wadiz.kr E-mail info@wadiz.kr Contact +82-1661-9056
Enquiry Contact +82-10-5615-9766 Enquiry E-mail cw.hwang@wadiz.kr
Form of
Main Service Crowd Funding Fintech Area Crowd Funding B2C
Business
Introduction
Wadiz is a crowd funding provider, the first company to be registered to the Financial Services Commission after
implementing online small investment brokerage system.
Established in May 2012, Wadiz is the first company to pioneer the domestic crowdfunding market and launched Korea's
first equity investment type crowd funding. It accounts for more than 50% of the securities-type crowd funding market.
Wadiz is positioning itself as a new alternative investment market place beyond crowd funding, and it is preparing to
enter Southeast Asian markets such as Singapore and Malaysia. In September 2017, it attracted 11 billion won series B
investment from Smile Gate Investment, Korea Investment Partners, Stick Investment, and Shinhan Bank.
History
May 2012. The foudnation of Wadiz Corp.
Jan 2014. The official launching of reward type crowd funding
Sep 2015. The conclusion of partnership agreement for the promotion of venture company with NH Investment
Securities
Jan 2017. The award of Man of Merit Prize from the chairman of Financial Services Commission in the 1st year of
Security-typed Crowd Funding
Sep 2017. The attraction of series B investment (11 billion) from Shinhan Bank and others
Jan 2018. The support for the promotion of excellent technology startup with Korea Enterprise Data Corp.

Wadiz is a company operating crowd funding platform business. It studies the social role of finance and the nature of
crowd funding, solving the imbalance of power and information and creating a new financial ecosystem by directly
connecting demand and supply of funds. Wadiz connects start-ups, small hidden champion enterprises, and excellent
venture businesses who need funds in investment-type crowd funding with investors. The first example of the exit is a
homemade automobile company, Mohenic garages, collecting a total of 700 million won with over 150% profitability
in first year. Rewarded crowd funding connects innovators who want to make their ideas real, and volunteers who will
support the projects of cultural content creators.
Wadiz is involved in financial legal research, community development, and maker education, including localizing the
crowd funding system to enhance the essential function of finance, efficient distribution of capital.
-Korea : ‌Shinhan Financial Investment (financial institution), Seoul Business Agency (public institution), Korea Institute of
Start-up and Entrepreneurship Development (public institution), Gyeonggi Contents Agency (public institution),
NH Investment & Securities (Financial Institution), Korea Credit Guarantee Fund (Public Institution), Korea
Foundation for the Advancement of Science and Creativity (Public Institution), SBC Young Entrepreneurship
School (public institution) and Daejeon Technopark (public institution)

WaldLust
Representative Choi Young-woo Incorporation Date Sep 24th, 2013
Location 8, Banga-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (4F, Maesong Building)
Web Page www.paperlot.co.kr E-mail help@waldlust.co.kr Contact +82-31-781-4531
Enquiry Contact +82-10-6302-5545 Enquiry E-mail stevechoi@waldlust.co.kr
Form of
Main Service Owner’s App Fintech Area Financial Platform B2B
Business
Introduction
Waldlust developed and launched the "Paperlot", a stamp card application platform for smartphones. Waldlust is a
compound word of a Wald(forest) and Lust(joy), and is also name of a region that goes into the forests around Frankfurt,
Germany. It implies the hope that the relationship between the forest and people will continue to carry over. Waldlust's
first paperlot application platform is the result of the combination of nature and technology. Waldlust provides 'Owner's
App', which makes individual store's membership service application.
History
Sep 2013. The foundation of WaldLust
Sep 2016. The launching of Touch Stamp business.

Waldlust provides "owner app" services through Paperlot, a store stamp card development platform. It is offering
customized and inexpensive services for individual store-based membership service applications. Owner apps have
improved convenience of customer management. One does not need to enter a separate phone number, and it will be
credited as soon as you run your app. It also allows one to run one’s own promotional channel within your app. It can be
utilized as a publicity channel such as a new menu release or a free event for a limited time. It also has points and mobile
prepaid card system. By simply installing a simple program on existing POS system, one can earn points and recharge on
prepaid cards. From the perspective of the newly joining stores, there is no cost for the initial production of the app, as
there is no subscription fee or installation fee. It provides monthly customer type analysis and management reports.
290
Webcash Corp.
Representative Yoon Wan-su Incorporation Date Jul 9th, 1999
Location 220, Yeongsin-ro, Yeongdeungpo-gu, Seoul, Republic of Korea (20F, KNK Digital Tower)
Web Page www.webcash.co.kr E-mail webcash@webcash.co.kr Contact +82-2-784-1690
Enquiry Contact +82-2-784-1690 Enquiry E-mail webcash@webcash.co.kr
Form of
Main Service B2B Fin Tech Service Fintech Area FInance Platform B2B
Business
Introduction
WebCash is specialized in financial business software. Established in July 1999 by specialists from Dongnam Bank, it has
introduced numerous “the first” services in financial industry.
In February 2015, for the first time in the industry, it has established B2B Fin-tech Research Center and has provided
Fin-tech related strategic consulting services to financial institutions. In 2016, it launched an open platform for financial
industry to harmonize financial companies with Fin-tech companies.
WebCash has branches in China, Cambodia, and Japan, and it runs software business in global markets.
History
Jul 1999. The foundation of WebCash Corp.
Apr 2000. The launching of the first Korean ATM service in the convenience store and the virtual account.
Apr 2001. The launching of the first electronic banking for corporations in Korea.
Jul 2006. The launching of the first ‘Digital Fund Management (In-House Bank) for the major enterprise’ in Korea.
Dec 2008. The award of President’s Prize in the ‘2008 Korea IT Innovation Contest’.
Aug 2013. The launching of Cambodia HRD Center and the conclusion of MOU agreement with WING company in
Cambodia.
Feb 2015. The construction of B2B Fin Tech Research Center and the launching of Joint Financial Open API with NH
Bank.
Feb 2017. The launching of IBK Mobile Fund Management and KT & WebCash Financial Security Data Center

WebCash offers a variety of services and solutions that combine the latest technologies with finance in the business-to-
business (B2B) field.
‘SERP,’ the accounting software for small and medium-sized companies, enables easy and convenient automated
processing of accounting tasks such as accounts, purchasing, finance, and report functions.
'Branch,’ a medium and large enterprise funding software, is a system that supports efficient and systematic fund
management service by linking internal systems with external institutions such as banks, securities firms, credit card
companies and the National Tax Service. The 'in house,’ a software for public agencies is structured to be able to
interwork with the banking system of the bank, the external system (securities company, financial institution, VAN,
etc.) and efficiently manage the funds. The Financial Open API platform is equipped with an API that supports financial
functions such as withdrawal transfer, deposit transfer, and card history inquiry, and Fin-tech companies can create a
service that includes financial functions using the API.
-Korea : ‌IBK Industrial Bank (financial institution), KB Kookmin Bank (financial institution), NH Nonghyup Bank (financial
institution), KEB Hana Bank (financial institution), KDB Bank (financial institution), DGB Daegu Bank (financial
institution), BNK Busan Bank (financial institution) and BNK Kyungnam Bank (financial institution)
-Foreign Countries : ‌CITIBANK (Finance) and Standard Chartered (Finance)

WEFUNDING
Representative Lee Jisu Incorporation Date Oct 8th, 1999
Location 419, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (17F, Samsung Finance Plaza)
Web Page www.wefunding.com E-mail Wefunding@wefunding.com Contact +82-2-508-7006
Enquiry Contact +82-10-6864-6542 Enquiry E-mail jh.lee@wefunding.com
Real estate online crowd Form of

funding Business
Introduction
Wefunding is a P2P (Peer to Peer) financial platform that focuses on real estate. An investment adviser from an appraisal
firm selects structured real estate secured bonds to minimize principal loss. Wefunding’s services help anyone to easily
invest complex and difficult real estate investments with professional help. Wefunding filed a patent for the online-based
asset management system in May 2015.
History
May 2015. The patent application of online-based asset management system
Jun 2015. The establishment of Wefunding
Jun 2016. The launching of online real estate investment service

Wefunding provides P2P financial services focusing on real estate secured bonds, and it simplifies the intermediate
distribution structure and returns the margins to investors in addition to the return on investment.
There are two types of real estate secured bonds; the development type is a product that invests in assets that are newly
built or renovated, and the real type invests in mortgage loans to existing real estates. The investment procedure of the
above funding is carried out through the investment review system of three stages. It first verifies whether investment
products conform to the investment guidelines of the fund management and conducts on-site inspection, business
meeting, legal and accounting, and market inspections. The final investment is made after deliberation by internal and
external investment committee members. The funding investment suggests that repayment is more important than
enforcement, and plans are in place to safely recover investment funds. Wefunding will work out a strategy to recover the
principal by revising the repayment strategy by identifying the market trend along with the management of the fair rate
of the workplace.
-Korea : ‌NH Nonghyup Bank (Financial Institution), Olle KT Corp. (Mobile Communication), Finotek (Application Software
Development), Valueupsystems (Market Price Provider) and FIDELIS (Asset Management)
-Foreign Countries : ‌Amazon Web Services (Web Service)
292
WHO’S GOOD
Representative Yoon Deok-chan Incorporation Date May 1st, 2014
Location 229, Seokjeong-ro, Nam-gu, Incheon, Republic of Korea (Room No. 913, 9F, Administration Town and JST)
Web Page www.whosgood.org E-mail thomas.yoon@whosgood.org Contact +82-10-6425-9992
Enquiry Contact +82-10-9955-3181 Enquiry E-mail yoonbly22@whosgood.org
Business non-financial analysis Form of

report Business
Introduction
WHO’S GOOD is a service platform development company that analyzes big data to discover companies and encourage
'good investment' to make companies sustainable. WHO’S GOOD provides data mining services that analyzes companies'
non-financial risks, including governance (public management), information disclosure, social contribution and
environment, and provides scored information. They also receive public data with the help of government departments.
In October 2016, it provided analytics to institutional investors worldwide through a web-based system. In October
of 2016, it was awarded the Grand Prize at the Fin-Tech Contest hosted by Koscom. In December of the same year,
it was selected as the Multinational Star Enterprise Encouragement Prize of the Ministry of Creation Science and the
K-Global Start-up 300 of the Future Creation Science Department. In 2017, it won the Demonstration Day of the Banking
Foundation Young Entrepreneurship Foundation.
History
Sep 2014. ‌The establishment of Enterprise R&D Center (Big Data Technology Center)
Oct 2014. ‌The acquisition of Venture Company Certification
Nov 2014. ‌The award in Public Data Foundation Competitive Exhibition
Dec 2015. ‌The foundation of U.S.A branch
Oct 2016. ‌The award of Grand Prize in the Competitive Exhibition for Open API Platform-based Fintech Service (Koscom
Corp.)
Nov 2016. ‌The award of Excellence Prize in Multinational Star Venture Competitive Exhibition.
Nov 2016. ‌The award of Participation Prize in Big Data Startup Contest
Feb 2017. ‌The award of First Prize in D.CAMP Demoday

WHO’S GOOD is online information provider that provides databases such as Internet information services, financial
support, and investment advisory.
WHO’S GOOD automatically generates contents analyzing the management and performance of the company's
environment, society, and governance through robo-advisor based on text mining and machine learning. It analyzes
non-financial risk and categorizes it as information and provides according to the user's demand. Users who receive
information through the robo-advisor service based on artificial intelligence can easily identify 'good company' and
make 'good investment'. WHO’S GOOD can be defined as a Web platform-based service that can subscribe to access
corporate sustainability and non-financial risk analysis information such as brokerage analyst reports. Basic information
can be viewed free of charge, and corporate and institutional investors can use information at a reasonable cost. WHO’S
GOOD regularly provides risk analysis reports to more than 2,000 institutions worldwide through the platform of FactSet,
a global financial intelligence agency.
-Korea : ‌KOSCOM (Financial Institution) and Korea Securities Depository
-Foreign Countries : ‌connect4climate (Climate Change Communication), FACT SET (Financial Data) and Microsoft
BizSpark (Startup Support)

Whooper
Representative Kim Woong-gyeom Incorporation Date July, 2010
Location 606, Seobusaet-gil, Geumcheon-gu, Seoul, Republic of Korea (Room No. 525, Daesung D-POLIS)
Web Page www.whoopersoft.com E-mail support@whoopersoft.com Contact +82-2-875-2134
Enquiry Contact +82-10-4138-2127 Enquiry E-mail pje@whoopersoft.com
Form of
Main Service PayAt and 1 Minute Fintech Area Payment/Settlement B2C
Business
Introduction
Whooper is a company that is making Fin-tech innovation by combining financial settlement and IT services. It launched
'1 minute' service to enable online payment service by accumulating know-how of settlement business starting from
'Pay-At', which was developed to be used in offline payment by combining online payment service with smart phone.
Developed in partnership with domestic PG company Aegis Enterprise, Pay-At is a payment service that attaches a dongle
that can read a card to a smart phone and communicates the card signal to a payment server through a smart phone.
Based on this know-how, it has developed a one-minute service that enables users to experience more payment services
in an online environment. Whooper seeks first and foremost the needs of consumers and franchisees in the payment
market, and it provides more advanced payment services.
History
Jul 2010. The establishment of Whooper Soft
Oct 2012. The launching of mobile payment system 'Payat'
Sep 2013. The launching of free cash receipt dispenser application for SMEs
May 2017. The launching of integrated payment service, ‘1 minute’, alpha version.
The promotion of API linked payment with domestic major companies including Hyundai Livart and DHL
Nov 2017. The launching of integrated payment service, ‘1 minute’, beta version

Whooper offers a mobile payment service that supports payments anytime, anywhere, and a one-minute service that
enhances online payment experience. Whooper's Pay-At is a payment service developed to enable offline payment by
connecting a smartphone and a card - recognizable dongle. The developer API and SDK are provided, and the developer
mode is provided so that the Pay-At function can be linked to the customer's own service and enterprise resource
management. Pay-At’s cash receipt issuance service is a service that can issue a cash receipt directly with a simple free
membership. It is useful for self-employed or cash receipt issuer who have large cash transactions. It solves the hassle of
the existing cash receipt service. The 1-minute service is a comprehensive payment service developed with know-how
accumulated during the operation of Pay-At. It offers a variety of services to enable online payment, offline payment, and
various additional services to be used as needed, all in a one-minute contract. By sending a bill to the customer via mobile
and making a payment, the paper form is no longer required. Once you download the app from your smartphone and
enter simple information, you can send a bill and the customer can make a payment by choosing a variety of methods.
In addition, various payment methods such as credit card, mobile phone payment, virtual account, Kakao pay, Naver Pay,
etc. can be applied. It simplifies all complicated and difficult PG managers, making it easy to check settlement processing,
sales management, sales statistics, and transaction history in 1 minute by the integrated manager. In addition, Whooper
operates a P2P investment information portal service that collects and presents the P2P investment products provided
by the P2P financial platform at one time. One does not need to look at other P2P financial platforms, so one can check
them all in one place and sets up filters in various conditions.
-Korea : ‌NICE Payments (Simple Remittance / Payment) and Payletter (Overseas Payment Service)
294
Winningi Inc.
Representative Jung Woo-Young Incorporation Date Oct 20th, 2015
Location 419, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (17F, Samsung Financial Plaza)
Web Page www.winningi.com E-mail wychung@winningi.com Contact +82-70-7700-3525
Enquiry Contact +82-10-7543-0335 Enquiry E-mail ssryu@winningi.com
Form of
Main Service Contactless Biometrics Fintech Area Security/Authentication B2B
Business
Introduction
Winningi is a biometrics authentication solution developer.
It offers the non-face-to-face bio-verification service using smart phone camera. Winningi introduces a new form
of identification authentication service through reading palm patters and face recognition, which is ideal for mobile
environment.
Its non-contact fingerprint identification solution was approved by Korea Internet & Security Agency for its fingerprint
recognition algorithm efficiency assessment, and it won 2nd price from the Global Bio-verification Contest in May 2016.
In cooperation with SK Telecom, it has launched a hand geometry-based mobile verification security for additional
services.
History
Oct 2015. The establishment of Winningi Inc.
Mar 2016. The launching of AEROX(users’ non-contact fingerfrint identification solution) v1.0
Mar 2016. The registration of patent in the core technology (10-1596298)
Apr 2016. The development of Fingerprint Identification Algorithm Evaluation Authentication(KISA)
May 2016. The participation in the Global Bio-verification Contest: 2nd in the hand geometry field
Dec 2016. The conclusion of Domestic Exclusive Agreement with Hancom Secure Inc.
Jan
‌ 2017. The launching of hand geometry-based mobile verification security for the additional services of SKT telecom
Co., Ltd.
Dec 2017. The supply of AEROX to the bio-certification cooperation application of Korea Financial Telecommunications
and Clearings Institute

Winningi Inc. is a developer of biometric solutions such as palm-reading recognition. It provides a complex authentication
solution for mobile such as non-contact fingerprint recognition, face recognition, and palm-reading.
In order to perform biometrics on a mobile device, a sensor is required. However, 'Mobile non-contact biometrics
technology' developed by Winningi is a biometrics technology capable of verifying palm-reading and fingerprint by simply
installing a software application on a smart phone and a tablet PC with a camera. It is known that the security of the
palm-reading is 100 times higher than that of the fingerprint. This is due to the difference in the area of the palms and
fingers. In the palm of a hand, there are about 1,000 feature points, while there are only ten fingers.
'AirRox (AEROX v2.0)' service, a non-contact long-distance recognition technology introduced by Winningi, is a
technology that recognizes palm prints using a camera mounted on a mobile device. It is served through the "Bio-
certified joint app" after passing through transaction suitability and performance evaluation certification of biometric
information dispersion management center of KFTC and top-of-form test. Jeonbuk Bank and other commercial banks,
insurance companies, and securities companies have also adopted or will introduce services.
-Korea : ‌J.B.B. Financial Holding (financial institution), Gwangju Bank (financial institution), Jeonbuk Bank (financial
institution), KEB Hana Bank (financial institution), IBK Enterprise Bank (financial institution), BNK Busan Bank
(financial institution), Financial Telecommunications Corporation (financial institutions), Hancom Secure (security
solution), SK Telecom (telecommunications) and Ministry of Foreign Affairs (government agency)

WION Inc.
Representative Lee Soo-Ho Incorporation Date Aug 4th, 2006
Location 77, Seongsuil-ro, Seongdong-gu, Seoul, Republic of Korea (Room No. 511, Seoul Forest IT Valley)
Web Page www.wion.co.kr E-mail cyasia@wion.co.kr Contact +82-70-8672-3947
Enquiry Contact +82-10-2372-3354 Enquiry E-mail swim@wion.co.kr
Form of
Main Service WIGLE Fintech Area Payment/Settlement B2B
Business
Introduction
WiOn develops and services low-power-bluetooth (BLE)-based simple payment infrastructure.
Wipay, developed by WiOn, is a simple payment platform for smart payment.
Rather than the contact payment methods such as credit card and NFC, its platform is a non-contact situation recognition
payment system platform.
It is currently applied to TPay by SK telecom, being used over 30,000 stores nationwide. It is offering trial services and
commercial services in Phillipine, China, and Indonesia.
History
Aug 2006. The establishment of Wion Inc.
Feb 2008. The development of STMS, a multi-national language system for tourism. The establishment of ASP, a KIOSK
guidance system.
Nov 2013. The development and design of automatic dispensers for the Incheon Asian Games.
May 2014. The development and establishment of automatic KIOSK prototype version for Lotteria Co.
Dec 2015. The development of BLE electronic card.
Mar 2016. The launching and management of Tpay service for SK Telecom.
Jun 2017. The establishment of Finnet (Indonesia), a KIOSK mobile phone fee service.

WiOn is a simple payment platform provider.
Wipay platform of WiOn is a wireless payment system using POS communication between POS terminals equipped with
smart phones and low-power-bluetooth (BLE) dongles. Through the phone number and the membership information,
the user is recognized in a store, and a simple payment service cab be realized by entering preset passwords. It supports
hands-free payment to make a payment without touching the mobile phone, and making an order & paying while seated
(sit-in) services. You can combine simple payment functions with various products such as existing POS system, mobile
POS, and kiosk.
WiCard is an electronic card with a low-power Bluetooth (BLE) chipset, display, battery and a keypad. A total of about 20
credit cards, debit cards, membership cards, and transportation cards can be integrated into one integrated electronic
card.
-Korea : ‌SK Telecom Co., Ltd. (Mobile Communication) and Credit Guaranty Funding (public institution)
-Foreign Countries : ‌Filipino Inquirer (newspaper publication), Finnet (Electronic Payment), Alfamart (convenience store)
and DOKU (electronic payment)
296
WireBarley Corp.
Representative Yu Joong-won Incorporation Date Mar 15th, 2016
Location 42, Seolleung-ro 111-gil, Gangnam-gu, Seoul, Republic of Korea (4F, Song Jung Building)
Web Page www.wirebarley.com E-mail biz@wirebarley.com Contact +82-70-5118-3777
Enquiry Contact +82-70-5118-3777 Enquiry E-mail biz@wirebarley.com
WireBarley Form of
(Overseas Remittance) Business
Introduction
WireBarley is was founded on March 2016 as a Fintech-based start-up offering overseas small remittance service. It
provides services to those who are foreign workers all over Asia, international students and families living across Asia that
they can remit payments online more easily and rapidly at a more reasonable price.
It has acquired all legal positions to be licensed to offer overseas remittance service, and its Australia branch is
authenticated by its local government for its license to do overseas remittance business.
Including Korea, it is rapidly expanding its service coverage to New Zealand, Vietnam, Philippine, Hong Kong, Japan, and
USA.
History
Mar 2016. The foundation of WireBarley Corp.
Oct 2016. The foundation of WireBarley Austraila Corp.
Feb 2017. The development of WireBarley Overseas Remittance Web and Application Service (iOS and Android version)
Apr 2017. The launching of WireBarley Overseas Remittance service in Vietnam by WireBarley Austraila Corp.
Jun 2017. The launching of WireBarley Overseas Remittance service in the Philippinesby WireBarley Austraila Corp.

WireBarley is a provider of overseas remittance services.
In most cases, it supports the remittance service at 80% cheaper than the banks. It provides comprehensive services
ranging from user interfaces through mobile applications and the web to a variety of remittance platforms. In addition,
WireBarley collaborates with global partners to support business opportunities. Future partners of WireBarley can start
a remittance business in their home country without paying for infrastructure costs. By connecting to WiredBarley’s
platform, partners will have a fast, affordable and secure money transfer network.
-Korea : ‌KEB Hana Bank (financial institution)
-Foreign Countries : ‌AUSTRAC (Financial Authority), BDO (Finance), DongA Money Transfer (Remittance) and POLI
(Internet Banking)

Wisdomain Inc.
Representative Kim Il-Soo Incorporation Date Oct 8th, 1999
Location 10, Seongnam-daero 43beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No. 701, Hana EZ Tower)
Web Page www.wisdomain.com E-mail support@wisdomain.com Contact +82-1544-8815
Enquiry Contact +82-10-3252-5585 Enquiry E-mail jandy@wisdomain.com
FOCUST, Form of
Main Service Fintech Area Robo-Advisor B2B
IPIntellisource and PTR Business
Introduction
Wisdomain Inc. is a information service provider specialized in domestic and global patents information.
Wisdomain Inc. started out as a patent search/analysis system, FOCUST in 2000, and now it introduces a specialized
product such as IPIntellisource which is a patented technology that provides automatically analyzed reports on patents. It
also new forms of models: Patent Valuation Engine and PTR (Price Technology Ratio).
It offers in-house solutions for patents search and analysis to Samsung Electronics.
History
1999. Established Wisdomain Inc, a patent search and analysis solution developer
2004. Established Hewlett Packard’s patent analysis system in USA
2006. Established Tokyo branch in Japan and secured client companies including Hitachi, Panasonic and Sharp.
2006. ‌Developed automatic patent rating calculation solution (without the subjectivity of person) based on the analysis
technology of patent.
2011. Supplied Wisdomain’s search and analysis solution in an In-house method to Samsung Electronics Co., Ltd.
2014. Developed the world's first robot that evaluates the value of a patent as an amount rather than a grade
2016. ‌Developed "Wisbot", a smart phone-equipped technology stock value investment robot adviser for individual
investors

Wisdomain Inc is a patent search & analysis solution developer.
Experts in the field of intellectual property and even users without expertise can obtain optimal solutions where they can
easily lookup, find, and analyze patents.
Wizbot, launched by Wisdomain, utilizes the patent valuation engine, which is a robo-adviser service for individual
investor, that calculates the patent price based on market conditions, technology evaluation, and technology cycle. It
presents Price Technology Ratio (PTR) to judge whether the stock price is properly evaluated against the company's
technology.
IPIntellisource is a real-time, automated analytical report designed for users who want to quickly and easily obtain
key information from patented Big Data. Based on know-how of Wisdomain’s accumulated through researches and
developments for a long time, patent information is integrated and analyzed to provide easy-to-understand report
format. IPIntellisource enables you to identify key players in specific areas and compare technology competitiveness with
competitors. It can also identify threats and determine the technological position of the enterprise. You can look for a
prior patent or evaluate the value of a patent for patent validity review.
-Korea : ‌Hyundai Securities Co., Ltd. (Stockbroking) and The Korea Development Bank (Financial institution)
-Foreign Countries : ‌cean tomo (Knowledge Asset Trading)
298
Wisecare Corp.
Representative Song Hyeong-seok Incorporation Date Mar 11th, 2009
Location 670, Daewangpangyo-ro, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (Room No.509, Tower B, U-space 2)
Web Page www.Wisecare.co.kr E-mail wisecare@wisecare.co.kr Contact +82-1577-2596
Enquiry Contact +82-70-4632-1801 Enquiry E-mail kmkim@wisecare.co.kr

On-Offline Integrated Payment
Solution (Smart Pay) and Form of
Installment Payment Service Business
(Wise Plan)
Introduction
Wisecare is an electronic payment agency. It provides ‘Smartpay,’ which is an integrated payment service for both online
and offline, ‘Wise Plan,’ a payment/settlement in instalments service, and ‘Wharton Pay,’ an e-commerce service between
businesses.
In 2016, Wisecare was recognized as a promising Fin-tech company by KB Financial Group and had attracted equity
investment. Wisecare was registered in KRX Startup Market (KSM) in January 2017.
History
Dec 2007. The promotion of joint business with Hana Finance Group
Jan 2011. The conclusion of supply agreement for Wise Plan Device with SK Broadband
Jan 2012. The launching of Wise Plan Service for Hyundai Card
Jun 2012. The conclusion of MOU agreement with Samsung Card
Dec 2014. Selected as the Pangyo Software Fusion Cluster R&D Support Business
Jan 2014. The equity investment attration of fintech promising company from KB Financial Group
Jan 2017. Listed on KSM (KRX Startup Market) in Korea Exchange

Wisecare is a PG operator offering various types of payment services.
Smart Pay service provided by Wisecare is a clinic-oriented payment solution that implements hospital-specific functions.
It supports VAN card terminals, POS, online PG payment, and mobile simple payment.
It minimizes the merchant card fees by combining payment methods according to the environments varying by merchant
business and sales policy.
All cards will be offered for 5 months at any time, and up to 36 months free of charge instalments fees at a merchant's
point of purchase to increase customers’ ability to pay.
It provides non-face-to-face payment functions such as telephone payment and SMS payment, and handles settlement
of all payment for non-visiting customers. It simplifies the merchant's account settlement by providing all of the payment
methods in one web administrator.
Smartpay supports the function of interlocking with the customer relationship management (CRM) of the hospital. It is
possible to integrate medical treatment, reservation, and receipt management by providing secure payment processing
interface API. It combines customer information with payment data to provide efficient marketing functions.
-Korea : ‌NHN Korea Cyber Payment (Electronic Payment), BC Card (Credit Card), Samsung Card (Credit Card), Shinhan
Card (Credit Card), NH Nonghyup Card (Credit Card), KB Kookmin Card (Credit Card), Hyundai Card (Credit
Card), KEB Hana Card (Credit Card) and Lotte Card (Credit Card)

WithFund
Representative Lee Jong-seok Incorporation Date Feb 7th, 2017
Location 146, Teheran-ro, Gangnam-gu, Seoul, Republic of Korea (2F, Hyunik Building, Yeoksam-dong)
Web Page www.with.fund E-mail contact@with.fund Contact +82-2-586-4334
Enquiry Contact +82-10-4622-7356 Enquiry E-mail Youbunam77@naver.com
Form of
Main Service Financial service Fintech Area Payment/Settlement B2B/B2C
Business
Introduction
Withfund is a peer-to-peer (P2P) integrated investment platform provider.
An integrated investment platform connects investors with many P2P companies. Withfund developed a wide-range API
in cooperation with PayGate, which owns more than 90% of the virtual account system of domestic P2P companies.
It supports interconnection between a P2P company’s individual platform which use virtual accounts by PayGate and
Withfund platform.
History
Feb 2017. The establishment of WithFund
Mar 2017. The development of wide API by cooperating with PayGate
Nov 2017. The launching of integrated platform beta service
Dec 2017. Applied to opening a P2P business
Mar 2018. The launching of WithFund service (Scheduled)

Withfund provides services that connect investors with a large number of P2P companies.
Investors can diversify into various projects of peer-to-peer companies that have entered into the Withfund by joining
without having to go through the individual company's P2P platform for membership, deposit, and project investment.
In addition, the investment history of the invested projects and the distribution of the profits can be confirmed on the
platform. The customer can reduce the burden on attracting investment members, maintaining the platform, and
spending on marketing expenses, and focusing on finding excellent investment projects. In the long run, it can contribute
to strengthening asset quality and professionalism of P2P companies. Withfund do not have access to investors'
investments. All investment transactions are safely processed and stored based on the trust of each P2P company.
Through the ‘Withfund Direct Technology,’ in which investors' money can be transferred directly to a P2P company and
even to a borrower without going through a Withfund,
Withfund only plays a role of connecting and intermediating a large number of P2P companies and a large number of
investors. Withfund Direct technology supports more secure investment by allowing all transactions through Withfund to
be made directly between investors and numerous P2P companies.
-Korea : ‌IBlue Fund (P2P finance), Kocatfunding (P2P finance), SoFun (P2P finance), Ozle Fund (P2P finance), Limpidfund
(P2P finance), Unius Fund (P2P finance), Money-Line (P2P finance), Catchfunding (P2P finance), and JD Crowd
Funding (P2P finance)
300
World Funding
Representative Lee Ji-soo and Im Soon-gyu Incorporation Date Jan 18th, 2017
Location 110, Bongeunsa-ro, Gangnam-gu, Seoul, Republic of Korea (7F, Yeonwoo Building)
Web Page www.worldfunding.co.kr E-mail world@worldfunding.co.kr Contact +82-1522-8215
Enquiry Contact +82-10-2327-0240 Enquiry E-mail world@worldfunding.co.kr
Form of
Main Service Real Estate Mortgage Loan Fintech Area P2P Finance B2C
Business
Introduction
World funding is a peer to peer (P2P) funding platform operator.
World funding specializes in real estate mortgage loans. Established as a core company by information technology
experts, it has rigorous verification and screening system in the process required by business agreements with Aone
appraisal corporation, legal affairs corporation Medilaw, Korea trust, tax law firm Gadeok, and judicial scrivener. It’s
primary goal is to prevent insolvency and overdue products through diverse and differentiated investor protection.
History
Jan 2017. The foundation of World Funding
Apr 2017. The launching of 1st funding product
Sep 2017. The registration in Korea P2P Financial Association

World funding is no.1 real estate mortgage-backed P2P funding provider.
It is a platform for connecting clients who need funds with mortgages at a cheaper interest rate and investors who want
to invest at a higher return.
World funding transparently discloses all information that investors are interested in such as contracts for contractors,
appraisal reports, trust data, track record data, fund deposit confirmation data, warehouse contracts, and entry and exit
statements.
There are two types of products that focus on world funding: real estate and business goods. If a building owner or
construction company builds a small building based on an unsupported building, he or she will finance the land if the
construction is insufficient. If the construction progresses more than 80%, the building will be registered as a first
beneficiary certificate and you can secure bonds by trust. Tracking is a method of securing a building collateral that can
be received under the court's judgment, which is validated by the court. Operator commodity lending receives interest
on the date that the operator holds the commodities as collateral and reimburses them at a rate of 1% per month when
they need the money in a hurry. For this reason, operators who need urgent funds can reduce the burden on high
interest rates.
-Korea : ‌Korea trust (real estate trust), Paygate (electronic settlement), NICE Investors Service (credit information rating),
Gadeok Tax Firm (tax service), Nanum Law Firm (legal service) and Aone Appraisal Co., Ltd. (appraisal and
assessment)

XEngineering
Representative Kang Min-gu Incorporation Date Feb 13th, 2015
Location 14, Daewangpangyo-ro 645beon-gil, Bundang-gu, Seongnam-si, Gyeonggi-do, Republic of Korea (2F, Neowiz Pangyo Tower)
Web Page www.spendwallet.com E-mail hey@spendwallet.com Contact +82-70-8252-4295
Enquiry Contact +82-10-6382-9155 Enquiry E-mail hey@spendwallet.com
Form of
Main Service Spend Wallet Fintech Area Payment/Settlement B2C
Business
Introduction
X Engineering is a startup, which develops simple payment technologies and manufactures the hardware for IoT.
It was selected as the excellent Fin-tech startup by Korea Internet Promotion Agency and the Fin-tech promotion
company in the Fintech Lab of IBT Industrial Bank, respectively. Also, it has attracted the investment from Neowiz
Investment and others. In addition, X Engineering developed ‘Spend Wallet’ with the new concept of payment
technology and is receiving its pre-order in Indiegogo, a global crowdfunding web site. This service will be launched to
the public from the second half of 2018.
History
Feb 2015. The establishment of X Engineering
Jun 2015. The acquisition of Venture Company Certificate
Sep 2015. The participation into Startup Alliance Korean Startup Demoday in Tokyo
Sep 2015. The participation into GSC (Global Startup Conference)
Dec 2015. Selected as the excellent fintech startup by Ministry of Science, ICT and Future Planning and Korea Internet &
Security Agency
Jan 2016. The attraction of 360 million won investment from Neowiz Investment and others.
Sep 2016. Selected as the fintech promotion company in the Fintech Lab of IBK Industrial Bank.

X Engineering has developed Spend Wallet, a hardware wallet for the offline simple payment. Spend Wallet is a “light
and smart wallet, which integrates all cards one has.” Spend Wallet uses own Magnetic Flux Emulation (MFE) technology.
Although NFC simple payment on mobile is emerging as a new payment method instead of real wallet, which becomes
increasingly thicker and thus more difficult to use due to the increasing number of cards, the penetration rate of NFC
payment terminals is considered less than 3%. That is why Spend Wallet with MFE technology can be a solution.
Specifically, MFE generates magnetic field and thus transmits signals in the same way as any general card reader; so,
one can easily make payment anytime and anywhere by simple touch. Also, it can make payment and accumulate points
simply by touching with any card reader across the world. In other words, there is no more advantages of carrying any
real wallet any more. Spend Wallet is designed to store only encrypted card information and then put other data (including
ID card and transportation card) in the back pocket of Spend Wallet.
-Korea : Neowiz Investment (Investment Company), SOQRI (Consulting) and Neofly (Accelerator)
-Foreign Countries : SL Square Investment (Investment Company)
302
XENO SolutionCo.,Ltd.
Representative Kang Dae-sung Incorporation Date Oct 25th, 2010
Location 201, Songpa-daero, Songpa-gu, Seoul, Republic of Korea (12F, K&K Digital Tower)
Web Page www.xenosolution.co.kr E-mail technokkb@xenosolution.co.kr Contact +82-2-3779-9082
Enquiry Contact +82-10-6335-9264 Enquiry E-mail technokkb@xenosolution.co.kr
PSB Financial Security Cloud Form of

Service Business
Introduction
XENOSolutionco is a provider of financial solutions.
XENOSolutionco develops Portable Smart Branch services and provides them to financial institutions. It is also working
with KT to build a financial security crowd and provide solutions to financial institutions.
It has provided Portable Smart Branch solutions to Busan Bank, Woori Bank, NH Nonghyup Bank, IBK Industrial Bank, and
KB Kookmin Bank.
It has built and operate the Fin-Tech Crowd Center at NH Nonghyup Bank and established a financial security data center.
History
Oct 2010. ‌The establishment of Xeno Solution Co., Ltd.
Dec 2012. ‌The establishment of Smart Learning for IBK Industrial Bank.
May 2013. ‌The supply of PSB to Busan Bank, Woori Bank, NH Nonghyup Bank, IBK Industrial Bank and KB Kookmin
Bank.
Dec 2015. ‌The establishment of Cloud Network for MWI Scraping Center in Japan
Feb 2016. ‌The conclusion of MOU agreement for the financial cloud business with KT Corp. and WebCash Corp.
Apr 2016. ‌The establishment and management of Fintech Cloud Center for NH Nonghyup Bank.
Jun 2017. ‌The establishment and management of FSDC (Financial Security Data Center)

XENOSolutionco provides portable Smart Branch solutions to 12 domestic banks and supports financial services that
are approaching customers first. The Portable Smart Branch solution is designed to handle all the transactions that a
branch can do at the customer site immediately. It has a proven security system that can completely block security threats
even when used off-site. By implementing dedicated security communication, it completely solved the instability and
spatial limitations of wireless communication. It complies with the national government's security recommendation
and guidelines such as the electronic financial supervision regulation, and it responds to the security vulnerability
examination conducted by the client company. The financial security data center built in June 2017 is a data center
dedicated to financial institutions that combines KT infrastructure and electronic finance know-how to comply with all
electronic financial supervision regulations. Financial security data centers integrate servers, storage, and networks into
a single server for critical financial systems. In order to protect financial information, it is also provided with 24 hours 365
days security control service of KT (Ore KT) to respond to the intrusion prevention system, firewall and other security
equipment that have obtained the Common Criteria certification. Because it also supports administrative procedures for
electronic financial registration, it is easier to start FinTech business in the case of start-up.
-Korea : ‌Olleh KT (mobile communication), Webcash (electronic financial solution) and Elimnet (SW development)
-Foreign Countries : ‌MicroSoft (SW development)

YAP
Representative Ahn Gyeong-hoon Incorporation Date Jun 27th, 2013
Location 6, Yulgok-ro, Jongno-gu, Seoul, Republic of Korea (16-17F, Tower A, Twin Tree Building)
Web Page www.yap.net E-mail edward.kim@yap.net Contact +82-2-6228-3060
Enquiry Contact +82-70-5099-2721 Enquiry E-mail edward.kim@yap.net
Form of
Main Service Location-based O2O Fintech Area Others B2B/B2C
Business
Introduction
Yap Company is introducing 'Yap,' which is a connected commercial application for online and offline. Yap applies
location-based services to help users experience the right consumer lifestyle they need at where they are. Based on smart
phone user location, it offers various coupon benefits and restaurant recommendations, membership management,
and payment services. Hybrid beacon, which combines Bluetooth and high frequency, automatically sends a message
containing useful information when the user enters a certain space. In July 2017, it signed a partnership with Korea
Broadcast Advertising Promotion Corporation and applied beacon related technology to provide brand communication
experiences complementing elements such as time, place and situation.
History
Jun 2014. The launching of YAP Beta version and the commercialization of first Korean beacon-based O2O commerce
platform.
Jul 2014. The launching of ‘KAYO’ application for Chinese tourists.
Aug 2015. The official launching of YAP
Dec 2015. The establishment of transportation-based infrastructure by the YAP beacon installation in Seoul city bus
Apr 2016. The merger of iPopcorn Corp.
Oct 2016. The launching of battery-typed Bluetooth beacon
Jul 2017. The conclusion of business cooperation agreement with : Korea Broadcast Advertising Corporation

Yap provides services using beacons and location-based technologies. Beacon, introduced by Yap, provides location-
based services even when Bluetooth, GPS, Wi-Fi is off, or the smart phone is in sleep mode. Ultrasonic hybrid beacons
can be used to precise compartmentalization from a user 12m away to a user 70m away from the beacon installation site.
It is applied to Starbucks siren orders and mobile coupons for convenience stores. It is expanding its services in the offline
market through location-based integrated apps. Yap supports consumers to search for various stores such as restaurants,
coupons, and membership services based on their current location or specific places they have set up. Recently, O2O
Commerce Portal, a completely reorganized user interface, user experience and content, was introduced. vIt has released
'Yap Pick' version, which enhances curation about restaurants, restaurants, discounts and gifts.
In the flood of information, it is planning to support so that users can easily and quickly reach contents optimized for their
needs, and ultimately, they will feel like a concierge service even in unfamiliar places.
-Korea : ‌Korea Broadcast Advertising Corporation (Advertisement Research) and Asiana Airline (Transportation)
-Foreign Countries : ‌Starbucks Coffee (Food and Beverage)
304
Yesstock Inc.
Representative Dokko-Jun Incorporation Date Oct 19th, 1991
Location 8, Gangnam-daero 66-gil, Gangnam-gu, Seoul, Republic of Korea (Kairos Building)
Web Page www.yesstock.com E-mail lsh@yesstock.com Contact +82-2-3453-1060
Enquiry Contact +82-2-3453-1060 Enquiry E-mail lsh@yesstock.com
Form of
Main Service Wealthmentor and Yes Trader Fintech Area Robo-Advisor B2B/B2C
Business
Introduction
Yesstock is specialized in developing trading solutions in financial products such as equities, futures, options, and others.
Led by securities investment analysis software development team from Sansung Electronics, they established C-DIC
Computer Inc. in 1991. It launched Korea’s first automated system trading solution ‘YesTrader.’ It also provides various
solutions such as ‘Wealth Mentor,’ a robo-advisor platform, futures & options simulation programs, and etc.
History
Oct 1991. The foundation of C-DIC Computer Inc.
Apr 1992. The development of Investment Information System for 22 domestic securities firms including COSCOM Corp.
Apr 2000. The change of company name into YesStock Inc.
Oct 2004. The launching of System Trading Program (YesTrader) for HI Investment & Securities Co., Ltd.
Apr 2007. The development and management of HTD (LeadingStarPlus) for Leading Investment & Securities Co., Ltd.
Sep 2010. The launching of System Trading Program for Korea Investment & Securities Co., Ltd., NH Futures Co., Ltd. and
Hyundai Futures Corp.
Jan 2011. The launching of System Trading Program for Chinese Futures Trading Company (20 companies including
Haitong Futures Co., Ltd.)
Aug 2014. The launching of ‘Hyundai YesTrader’ service for Hyundai Futures Corp.

Yesstock provides a specialized trading solutions.
YesTrader, launched by Yesstock, is system trading program for trading stock, futures and option. From the release date
(Aug 2000) up to now, it has provided services to the Korean securities firms and futures trading companies. Since 2012,
it also has provided programs for Chinese futures trading companies to trade futures and option. YesTrader always offers
every required function to develop and operates the trading strategy for system trading in the best performance.
The most recent version, YesTrader 4.0 Version, enhanced chart functions, and added language fuctions. It offers local
data management service, and spot trading option.
Yesstock provides a robo-advisor solution, WealthMentor. It is a robo-advisor solution for stock trading portfolio that it
can register qualified trading strategy which is made and evaluated by Wealth Mentor Developer and sends portfolio
reports upon trading strategy in the server to the application installed in the smart phone of investor to provide the
function that makes investor follow the trading strategy and do a stock trading portfolio.
-Korea : HI Investment & Securities Co., Ltd. (Securities Company), NH INVESTMENT & SECURITIES CO., LTD. (Securities
Company), Korea Investment & Securities Co., Ltd. (Securities Company), NH Futures Co., Ltd. (Futures Brokerage
Services), Hyundai Futures Corp. (Futures Brokerage Services), Korea Corp. (Futures Brokerage Services), and
Eugene Investment & Futures Co., Ltd. (Futures Brokerage Services)

YINC
Representative Go Hoon Incorporation Date Oct 23rd, 2015
Location 33, Jong-ro, Jongno-gu, Seoul, Republic of Korea (1Q Lab, 19F, Grand Seoul Building Tower 1)
Web Page www.yinc.kr E-mail info@yinc.kr Contact +82-2-6275-1024
Enquiry Contact +82-2-6275-1024 Enquiry E-mail info@yinc.kr

Introduction
YINC operates a platform that allows private companies to attract angel investments from the public. Based on the mass
collective intelligence of public, YINC has efficiently distributed the capital; efforts are being made to form a financial
ecosystem in which investors and companies co-exist together. YINC was established in 2015; YINC funded its own
crowd funding and attracted 300 million won on January 2016. It was selected as the 3rd participant in KEB Hana Bank's
fintech Incubating One Cue (1Q Lab).
History
Oct 2015. The establishment of YINC
Jan 2016. The success of our own crowd funding (small money offer, 112 minority shareholders)
Jan 2016. The registration into the online small money investment agency business (Financial Services Commission)
Jan 2016. The first success of crowd funding - Shinsun Corp.
Jul 2016. Selected as the 3rd Fintech Incubating 1QLab by KEB Hana Bank

YINC has provided an investment-based crowdfunding platform. Investment-type crowdfunding is a new form of funding
that funds the business from the public. The public can acquire the securities (equity) of the issuing company through the
investment and earn a profit from the growth of company as a shareholder or creditor. Most of the companies that seek
investments from crowdfunding have investment risks because their businesses are not stable and uncertain due to their
early stages in business. However, if a company achieves its target performance and grows well, it is a high-risk, high-yield
investment that is likely to generate high profits. YINC has designed the platform to allow publishers and investors to view
and exchange corporate information and investment terms. It supports the subscription, issuance and investment limit
management of securities through a stable system linkage between central records management institution (depository
financing) and subscription margin management institution (securities finance). YINC uses a syndicated investment
method in which investors invest in a part of the funding amount after conducting investment conditions and business
due diligence with the issuing company and invested by ordinary investors under the same conditions.
-Korea : ‌Daeshin Asset Management (financial institution), Yuanta Securities (financial institution), DSC investment
(investment company), Dity & Investment (investment company), Soorim Venture Capital (investment company),
Venture Square (Media), Korea Securities Finance Corporation (fiduciary management services), FastFive (office
sharing) and Platum (Startup Media)
306
Zcrowd
Representative Jung Young-hun Incorporation Date Sep 1st, 2016
Location 20, Wangsimni-ro 2-gil, Seongdong-gu, Seoul, Republic of Korea (3F)
Web Page www.zcrowd.kr E-mail contact@zcrowd.kr Contact +82-2-6974-0049
Enquiry Contact +82-2-6974-0049 Enquiry E-mail contact@zcrowd.kr
Form of
Main Service Crowd Funding Platform Fintech Area Crowd Funding B2C
Business
Introduction
ZCROWD is a provider of P2C (corporate loan) funding platforms.
ZCROWD introduces a funding platform that is accessible to all social members who are social impact-oriented. It also
serves as a funding source for companies aiming to solve various social issues. ZCROWD supports partners' business
by encouraging investors who are looking for positive social change to participate in funding. The goal is to build an
ecosystem that shares the social, economic and cultural impact created by the growth of funding partners with all
participants.
History
May 2016. ‌The promotion of joint reward event with Socar
May 2017. ‌The application of P2P guideline of Financial Services Commission
Aug 2017. ‌The completion of registration into DDos Cyber Shelter (Korea Internet & Security Agency)

ZCROWD introduces a corporate P2C loan product that investors can experience with low risk and reasonable interest
rates. ZCROWD uncovers companies with stable cash flows and releases related investments. It provides investment
products targeting SMEs and start-ups specializing in products that can be encountered in everyday life, and the due date
becomes definite and the expected interest rate will be announced in advance. It introduces companies that innovate
various social issues, and currently the products that are mainly dealt with are investments in vehicle purchase and
investments in rental deposit. The company recently introduced 4.5% interest rate on an annual basis for the purchase
of Z series for SoCar purchasing. It also invested in H1 space share house lease deposits. Currently, it is the largest social
housing company in Korea and is carrying out projects to secure youth residential space and provides new residential
experience.
-Korea : ‌Korea P2P Finance Association (Interagency), BENEFIT, SOPOONG and ENACTUS

ZikBank Inc.
Representative Kim Jin Incorporation Date Apr 28th, 2016
Location 25, Beobwon-ro 11-gil, Songpa-gu, Seoul, Republic of Korea (A-1312)
Web Page www.zikbank.com E-mail jinikimid@gmil.com Contact +82-2-400-9020
Enquiry Contact +82-2-400-9020 Enquiry E-mail jinikimid@gmil.com
Cash Alternative Payment and Form of

Bill Alternative Payment Business
Introduction
ZikBank Inc. is a system software developer and supplier.
ZikBank Inc. is introducing a safe settlement service that improves the problem of cash settlement and billing system
used in various industries such as construction, manufacturing and distribution. It is a method of securely depositing the
customer's service money (cash) and issuing virtual money for the deposited amount to pay the virtual money to the
participating companies first. The company provides a service to exchange coins, expired from contracted period or paid
after successful execution of pojects, with deposited cash. It holds patents related to payment solutions.
History
Apr 2016. ‌Established ZikCompany Inc.
May 2016. ‌Applied for 2 patents in Korea and PCT abroad (Payment Solution)
Oct 2016. ‌Selected as a Fintech Promising Company in the 12th Fintech Demoday
Dec 2016. ‌Selected as a Fintech Technological Innovation Company in the 2016 Creative Korea Expo
Jul 2017. ‌Acquisition of venture company certificate
Aug 2017. ‌Registeration of domestic patent for payment solution
Aug 2017. ‌Changed the company name from ZikCompany Inc. into ZikBank Inc

ZikBank Inc. offers safe alternative settlement services.
ZIKPAY is a safe and secure payment system that prevents incidents where payee disappears after prepayment or payer
is damaged after prepayment. In addition, it is a payment system that allows a company to safely withdraw funds from
customers and top companies on the due date, so that they will not be affected by the delay of payment, the avoidance
of payment and the bankruptcy.
ZIKBANK is a life solution service that provides a combination of life services and a secure payment system. It is a service
that helps customers to access various services of everyday life more easily, and it is a solution that helps companies to
earn stable income by widening their order receipt.
In addition, ZIKGONG is a life service, which matches customers with service providers needing specialized personnel (for
example, moving, cleaning, repairing, interior and architecture) necessary for everyday life. Also, it ensures the safety of
cash settlement and the safe accident-free operation.
308
zoniworks
Representative Lee Su-chan Incorporation Date Aug 26th, 2012
Location 20, Banpo-daero 28-gil, Seocho-gu, Seoul, Republic of Korea (3F, DUWON Building)
Web Page www.zoniworks.com E-mail contact@zoniworks.com Contact +82-2-522-8532
Enquiry Contact +82-10-9916-3609 Enquiry E-mail zozo@zoniworks.com
Form of
Main Service Mobile game Fintech Area Blockchain B2B/B2C
Business
Introduction
Zoniworks is a mobile game developer.
Zoniworks has developed 'LINE Puzzle Friends', a puzzle RPG game for the Japanese instant messenger service, and 'Dig
Land', a password-linked game. Zoniworks was founded in 2014 by developers who developed the Japanese national
online game "Pangya" and the "DJMAX series", which sold the highest number of domestic console games. In 2016, it
has attracted investment from Korea Investment Partners and Naver.
History
Oct 2014. ‌The establishment of Zoniworks
May 2015. ‌The conclusion of Line Publishing agreement (Line Puzzle Friends)
Feb 2016. ‌The attraction of investment from Korea Investment Partners
Mar 2016. ‌The attraction of private investment from Naver
Aug 2017. ‌Selected as a Mobile Game Global Publishing Support Business by KOCCA
Dec 2017. ‌Selected as a SBA G-Ward High-Performing Company
Dec 2017. ‌The launching of ‘Mystic Marble’ in Philippines and Indonesia

Zoniworks is a game developer and it grafts cryptocurrency onto games.
Zoniworks has partnered with Metapsplus to present the DigLand, a mobile game that users can obtain a bit-coin as a
reward in a game.
DigLand is designed so that using various tools characters can dig up the buried minerals and receive rewards for ingame
cash and bit-coin pieces by participating in weekly aggregate ranks based on random coinage. If you keep the game on,
mining progresses and tapping the screen will speed up your mining, and upgrading your character or equipment will
allow you to find more advanced minerals and mine more.
Zoniworks is developing "Digstar" as the next work that combines cryptocurrency and mobile games. 'Digstar' is a project
in which users experience indirectly the cryptocurrency mining through game play and obtaining it.
It is expected to change the negative image of cryptocurrency and the change of the structure of the random box BM
structure which is a gambling type of mobile game.
The key goal of the Digstar project is for the general public (game users) to enjoy block-chain services as entertainment
and to translate the results into actual value.
-Korea : ‌Naver (IT Company), IGS (Game Consulting), Korea Creative Content Agency (Public Institution) and KIPVC
(Investment Agency)
-Foreign Countries : ‌LINE (IT Company) and Metaps Plus (Mobile Marketing)

Zoomfund
Representative Hong Seung-uk Incorporation Date Mar 1st, 2014
Location 272, Sadang-ro, Dongjak-gu, Seoul, Republic of Korea (2F, Sadang-dong, Sambo Building)
Web Page www.zoomfund.co.kr E-mail contact@zoomfund.co.kr Contact +82-1600-8227
Enquiry Contact +82-2-6276-0403 Enquiry E-mail ryan@zoomfund.co.kr
Form of
Main Service Zoom Fund Fintech Area P2P Finance B2B/B2C
Business
Introduction
Zoom Fund is a provider of P2P financial services. Zoom Fund is a member of the KTB Financial Group, a wholly owned
subsidiary of KTB Credit Information, which has been in charge of debt management and collection services of Korea
Deposit Insurance Corporation and Korea Asset Management Corporation. Zoom Fund, a Fintech financial platform,
features a model in which borrowers analyze financial and non-financial transaction information on a large data base and
uses it for credit evaluation. Unlike general financial institutions, it plays a role as a tool for peer-to-peer finance that uses
digital and fintech to efficiently connect funds suppliers and consumers. In order to succeed, it is important to develop a
credit sourcing function and a credit evaluation and risk management system to reliably link it to investors in order to find
good credit.
History
Jan 2014. The Change into the company name (The Zoom Fund)
Oct 2016. The Launching of Zoom Fund Service (P2P Financial Platform)
Apr 2017. The Appointment of Representative Hong Seung-uk (Former Director in Dau Kiwoom Group)
May 2017. The Conclusion of Business Cooperation Agreement for the Joint Development of P2P Principal and Interest
Receipt Rights Purchase Model with JB Financial Group Kwangju bank.

The Zoom Fund is an affiliate of KTB Financial Group, which is a wholly owned subsidiary of KTB Credit Information. The
Zoom Fund has specialists who provide one stop service for investors that covers from loan repayment management,
postponement of bond receivables. The Zoom Fund has released more than 200 products with an average yield of
12.8% so far, and it exceeded 10 billion won cumulative loan without a single bad loan and delinquency as a P2P
financial service provider. As P2P financing has recently begun to attract attention, The Zoom Fund has concluded a
business agreement with Jeonbuk Bank and decided to provide financial management services. Major services include
worker's credit, personal business credit, convertible loan, and secured loan.
-Korea : ‌KTB Credit Information (Financial Institution), Samjung KPMG (Accounting Firm), Duhyeon LLC (Law Firm),
FINTECH (Credit Appraisal Model), The First Appraisal & Consulting Co. (Property Appraisal), Finotek (Fintech
Platform) and WEIN TECHNOLOGY (IT Solution)
310
Zoopiter
Representative Myeong Yun-ho Incorporation Date Aug 26th, 2012
Location 478, Gangnam-daero, Gangnam-gu, Seoul, Republic of Korea
Web Page www.zoopiter.co.kr E-mail yoonho@zoopiter.co.kr Contact +82-2-333-3140
Enquiry Contact +82-10-3223-0550 Enquiry E-mail yoonho@zoopiter.co.kr
Form of
Main Service Bufit Fund Fintech Area Others B2C
Business
Introduction
Jupiter is a developer and supplier of applications for mobile applications, web development, supply and advertising,
public relations, event planning, agency and graphic design.
It is a company that continues to grow in defiance based on challenging corporate spirit and innovation for a more
convenient life. 'Small Change, Big Difference' is a company motto and it aims to lead change in 'More Better Life'. It
is actively pursuing localization strategies with the desire to export outstanding IT technology to major countries in
Southeast Asia including Malaysia, Thailand and Vietnam.
History
Aug 2012. ‌The establishment of Zoopiter
Dec 2012. ‌The acquisition of venture company certificate
Jan 2013. ‌The launching of ShowDown application. The achievement of total 500 thousand members.
Sep 2014. ‌Selected as the cooperation company (Youth Entrepreneur Association)
Dec 2015. ‌The development of website for Gyeongi-do provincial office
May 2016. ‌The design of Bufit fund structure

Jupiter is a provider of non-face-to-face Fin-tech services.
As part of the "coin-free society" announced by the Bank of Korea, Jupiter is helping to make a change from a small
amount through an application that one can join funds with small amounts.
It provides a non-face-to-face fund Fin-tech service that encourages users to invest 10% of their consumption
automatically by registering a card.
The game bus (SNS) connects users based on the games installed on the user's smartphone and automatically analyzes
the games installed on their smartphones to recommend friends who are playing similar games and share the timeline.
It is the same form as Facebook for mobile gamers, and it is possible to share strategy and information scrap between
game users.
Wakano is a premium driver safety number service that protects driver's personal information and reduces parking
disputes. 050 The parking lot number is used to prevent the leakage of the mobile phone number of the driver, prevent
the privacy protection, voice phishing, etc. in advance.

Fintech Support Organization & Incubator
Investment Overseas
Space Number of Technical
Incubator Mentoring Attraction Expansion Address Inquiry
Availiability Occupants Support
Links Support
Legal,
Korea Internet & Accounting,
Provides 10th Floor, IT Venture Tower,
Security Agency Taxes, +82-2-405-6789
O 18 test External O 135 Jungdae-ro, Songpa-gu,
Fintech Technical Patents, fintech@kisa.or.kr
platforms Seoul, Korea
Support Center Security,
Marketing
Financial,
Neowiz Pangyo Tower ,14
IBK Financial Legal, Within
Daewangpangyo-ro 645beon- +82-2-2031-5421
Group O 10 X Accounting, Group, O
gil, Bundang-gu, Seongnam-si, ibkfintech@ibk.co.kr
Fintech Dreamlab Investment, External
Gyeonggi-do
Marketing
Financial,
KB Financial Provides Legal, Within 6th Floor, FastFive Shin nonhyun
+82-2-2073-7468
Group O 16 test Patents, Group, O branch, 464 Gangnam daero,
Youngeun.moon@kbfg.com
Innovation Hub platforms Taxes, External Gangnam-gu, Seoul
Security
Financial,
KEB Hana Bank Within Hana Financial Group Bldg, 66 +82-2-3788-5087
O 11 X Taxes, O
1Q Agile Lab Group Euljiro Joong-gu, Seoul 1qagilelab@hanafn.com
Investment
NH Nonghyup Financial,
Provides Within 9th Floor, Westgate Tower, 70
Bank Fintech Taxes, +82-2-392-0746
O 8 test Group, X Chungjeongnog, Seodaemoon-
Revoluionary Legal, alex08@nonghyp.com
platforms External gu, Seoul
Center Patents
Financial,
Provides Within
Shinhan Financial Legal, 8th Floor, Shinhan L Tower, 358 +82-2-6250-8901
O 21 test Group, O
Group Futures Lab Investment, Samildaero, Joong-gu, Seoul contact@futureslab.kr
platforms External
Patents
Financial,
Woori Bank Provides
Legal, 2nd Floor, Youngdeungporo +82-2-2002-4683
Weebee Fintech O 5 test External O
Accounting, 200, Youngdeungpo-gu, Seoul d-innolab@naver.com
Lab platforms
Patents
2nd Floor, Second Techno valley

Fintech Support company support hub, 815 +82-31-757-0911
O 5 X Financial External O
Center Daewangpangyo-ro, Sujung-gu, help@fintechcenter.or.kr
Sungnam-si, Kyungkido
Financial,
Hanhwa Life Taxes, 4th Floor, 50 Hanhwa Financial
IT Technology, +82-2-520-1500
Dreamplus 63 O 10 Legal, External O Center 63, 63ro Youngdengpo-
Cloud contact@dreamplus.center
Fin-tech Center Accounting, gu, Seoul
Advertising
Ministry of Science and ICT and Korea Internet & Security Agency has opened ‘Fin-tech
Technology Support Center’ (May 2016) in order to invigorate Fin-tech industry, which is a next
generation growth power for national economy, and obtain global competitiveness. It carries
forward various support businesses to support growth of Fin-tech companies and its industry.
We like to draw lots of attention from Fin-tech companies and please do not hesitate to reach
us at below contact details if you have any inquiry in detail.
■ Fintech service Acceleration Consulting Support

(UI/UX improvement, target marketing, etc.)
■ Overseas Expansion Support for promising Fintech companies
(conference for overseas business)
■ Fintech Academy operation

(Fin-tech specialized development curriculum, monthly)
Fintech Service ■ Fintech related technology, trend, new business seminar
■ Fintech Service (App, Web)
Acceleration (weekly), open networking venue monthly)
Str ecur ervice
Support
Fint solida on & se
Security check and improvement support con ndat of ba
po ing
(desultory reading, secure coding,

enla
ech tion
eng ity
Fou ment
hS
forgery prevention, simulation hacking, and etc.)

Sup then
rge
Ind of
rt
tec
■ Weak spot check consulting support for ust

S
Fin
Fintech companies’ infra network

i
ry
Major
Support
Businesses
tion nd
cul searc ch
tiva h a
e
vice int
■ Opening new Fintech services

ser ew F
development contest (Hackathon)

■ Incubating new promising Fintech Startups
N
(office supply, patent, legal, taxes,

Fintech Technology marketing, consulting, etc.)
Development
Support
■ Fintech test platform (9 types) offer

■ Fintech technology’s API type development support
(capital support by matching fund type)
Contact Information
Email fintech@kisa.or.kr
Telephone +82-2-405-6789
Address 10th Floor, IT Venture Tower, 135 Jungdae-ro, Songpa-gu, Seoul, Korea
Homepage(Facebook) www.kisis.or.kr/fintech (www.facebook.com/kisafintech)
2017 KOREA FINTECH COMPANY HANDBOOK
Printed : 2018 March

Published : 2018 March
Publisher : Kim, Seok Hwan

Published Organization : Korea Internet & Security Agency (KISA)
Address : Korea Internet & Security Agency, 9 jinheung-kil, Naju-si, Jeollanam-do.
Tel : +82-1544-5118
Design : Hyundai Planning Printing Inc.
Copyrightⓒ KISA, All right reserved
•Ministry of Science and ICT and Korea Internet & Security Agency hold the copyright of 2017
Republic of Korea Fin-tech Businesses Handbook, and reprinting without notice is strictly
prohibited. If in need of citation, please refer to mention ‘Ministry of Science and ICT and Korea
Internet & Security Agency 2017 Republic of Korea Fin-tech Businesses Handbook.’
•If you have an inquiry on any content or information on this handbook, please contact Korea
Internet & Security Agency (tel : +82-2-405-6789). E-book service of ‘2017 Republic of Korea
Fintech Company Handbook’ can be found on internet(www.kisis.or.kr/fintech)

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Contents

1004Funding…………………………24 BluepanNet Inc.………………………55

Fintech support organization & Incubator 312

INCUMONEY CO., LTD. 140 Hellofunding 135 Bellsoft Inc. 42

Ucanstart 282 Lending Talk 172 2econsulting Inc. 28

Coinplug Inc. 71 UANGEL Inc. 280 8BYTE, Inc. 30

1. Trend of KOREA Fin-tech Industry

(1) The development of Fin-tech industry

Fin-tech business expanded from payment/settlement sector to crowd-funding, P2P

It is difficult to define or categorize whether a company is a Fin-tech company due to

2017 Korea Fintech Company Handbook 13

Recent activities by Korea government’s policy amendments to abolish public certificates

The representative companies in the field of payment/settlement include NHNKCP, Viva

(Unit : hundred million KRW) (Unit : hundred million KRW)

2017 Korea Fintech Company Handbook 15

Trend of total amount in P2P Finance

(Unit : hundred million KRW)

Source : Korea P2P Financial Association

D. Block-chain/ Digital Curency

In addition, approaches to build a block-chain ecosystem are on the process through

2017 Korea Fintech Company Handbook 17

The representative companies in the field of overseas remittance include

In 2017, SW vendors specialized in providing various business information necessary for

2017 Korea Fintech Company Handbook 19

The representative companies in the field of security/authentication include SsenStone,

RegTech is a combination of regulation and technology, which helps to reduce compliance

In accordance with the trend of strengthened financial regulation, Korea Financial

③ The analysis of fintech big data

2017 Korea Fintech Company Handbook 21

2. Prospect of KOREA Fin-tech Industry

Fin-tech industry is expected to have impact on privacy agreement and employment

Representative Shin Song-woon Incorporation Date Nov 9th, 2015

Web Page www.1004funding.com E-mail admin@1004funding.com Contact +82-1588-6023

Enquiry Contact +82-2-6275-1024 Enquiry E-mail info@yinc.kr

Number of Employees - Starting Capital -

Electronic Commerce/ Form of

Main Products and Services

Representative Han Jung-gyun Incorporation Date Mar 8th, 2013

Web Page www.12cm.co.kr E-mail service@12cm. co.kr Contact +82-1522-9185

Enquiry Contact +82-10-5210-1289 Enquiry E-mail jhlee@12cm.co.kr

Number of Employees 56 Starting Capital 200,000,000 Won

Main Products and Services

2017 Korea Fintech Company Handbook 25

Representative Jeon Jong-Doo Incorporation Date Aug 1st, 2014

Web Page www.13mile.co.kr E-mail 13mile@13mile.co.kr Contact +82-70-7436-1101

Enquiry Contact +82-10-9719-1727 Enquiry E-mail ychlee@13mile.co.kr

Number of Employees 15 Starting Capital 1,110,000,000 Won

Simple Payment Service Form of

Main Products and Services

Representative Kim Hyang-soo Incorporation Date Apr 12th, 2016

Location 27-11, Gangnam-daero 94-gil, Gangnam-gu, Seoul, Republic of Korea (3F)

Web Page www.2dpay.co.kr E-mail 2dpay@naver.com Contact +82-1544-3677

Enquiry Contact +82-1544-3677 Enquiry E-mail 2dpay@naver.com

Number of Employees 5 Starting Capital 100,000,000 Won

Main Products and Services

2017 Korea Fintech Company Handbook 27

Representative Kim In-Hyun Incorporation Date Mar 16th, 1996

Location Yeongdeungpo-gu, Seoul, Republic of Korea(Room No.1710, Digital tower)

Web Page www.2e.co.kr E-mail 2ewebmaster@2e.co.kr Contact +82-2-786-7281

Enquiry Contact +82-10-8279-2727 Enquiry E-mail eskim@2e.co.kr

Number of Employees 110 Starting Capital 1,200,000,000 Won

IT Management Consulting Form of

Main Products and Services