새 신용평가모형은 카카오뱅크가 2013년 5월 금융서비스 실시 이후 모아온 대출 사용 손님들의 금융 거래 정보를 해석해 적용하는 방식이다. 거기에 이동통신 3사가 보유한 통신비 정상 납부 기간이나 데이터 평균 이용량 등 통신과금 서비스 사용 정보 등도 추가해 신용평가에 사용하고 있을 것입니다. 카카오뱅크는 올해 하반기에는 신용평가모형에 핸드폰 소액결제아이디어와 개인 산업자 수입 데이터에 대한 분석 결과도 적용할 계획이다.
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