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새 신용평가모형은 카카오뱅크가 2019년 12월 금융서비스 실시 이후 모아온 대출 이용 대상들의 금융 거래 정보를 해석해 반영하는 방식이다. 저기에 이동통신 3사가 보유한 통신비 정상 납부 기한이나 정보 평균 사용량 등 통신과금 서비스 사용 아이디어 등도 추가해 신용평가에 활용하고 있다. 카카오뱅크는 올해 하반기에는 신용평가모형에 핸드폰 소액결제정보와 개인 사업자 수입 정보에
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