User:Jo SungBin/sandbox

==== Weakness   ====
 * 1) Only use mobile apps because they do not support PC environments. Therefore when used by businesses, problems can arise.
 * 2) There is no open API functionality and does not support third-party apps.
 * 3) Even if you are using your own vaccine, you must install the vaccine of the ' Ahn Lab '.
 * 4) Because you don't have access to your account, the information you use will reveal the information in your account.
 * 5) There is still no business related products. This is a serious problem considering that the bank`s main source of income is the company`s lending interest.
 * 6) Certificates are not compatible with other banks because they use their own certificates.
 * 7) There are no foreign exchange systems available, so they can only be exchanged for won.
 * 8) It was not easy to join because of server instability. As you can see from various reviews all day, 'Oh! There was a problem with the server error and an identification error occurred. It took a long time, unlike the explanation of the Kakao bank that it would take an average of 7 minutes to open an account.
 * 9) It is also pointed out that every Monday morning at 9:00 a.m. and 10 p.m., all hours are reported, and only the late hours of accidents are reported.

==== Problems ==== Internet specialist Bank Kakao Bank needs to revalidate the ID card after financing it, and some users are limiting the transaction.

At first, the Kakao bank carries out the account opening procedure by letting the Ministry of Public Administration and Security and the Road Traffic Corporation confirm the authenticity of the resident registration card or the driver's license, and afterwards monitors the identification card for all the customers and takes such measures.

At the time of sign-up, if the application's photo-taking function is used to identify the identity card that was submitted, the transaction will be restricted and revalidated. The Kakao bank explained that when the light is reflected and the identification information is not displayed properly or the identification card is old and it is full, it is subject to revalidation.

"The revalidation process is a simple process of re-identification of the ID card at the time of login," the Kakao bank said. "However, if the ID card is damaged excessively, it is difficult to confirm the transaction.

However, it is pointed out that there is a possibility of various problems by reaffirming the ID card after a considerable time after joining. It is possible that a user who needs to revalidate his / her ID card may receive another service such as a loan before that. Also, from the user's point of view, the account that was used perfectly may suddenly become tied up and the check card may be stopped and suffer inconvenience. Customers who suffer from the inconvenience of the actual reauthorization process complain that the photos were not clear from the beginning and that it would not have happened if an account was not opened.

The Kakao Bank has a physical limit on how fast it can be handled because of the large amount of customer inflows for a short period of time. The Kakao bank explained, "Most of the subscribers who reaffirmed their re-certification were able to easily re-authenticate, and there are very few cases where transactions are restricted." On the other hand, the Kakao bank is checking identity through video call when it is canceled.

K bank, another Internet bank, monitors transaction trends and checks for suspicious account abuse or money laundering, but there is no procedure for revalidating ID cards in bulk like a Kakao bank. Accordingly, it is pointed out in the financial sector that it is necessary to check the status of identity verification of Internet banking specialists and to correct defects or to unify the procedures.