Why Naver and Kupang '

'Later payment', a name 'BNPL (BUY Now Pay Later), which is already popular in the United States, is quietly seated in the Domestic Icmouth market.

Naver and Kupang Beta service later provide a motion to take some users to some users and to take a small payment market.

Recently, the Amazon is expected to be a BNPL boom around the world, leading to an introduction of payments later with the BNPL start-up agond. However, in Korea, which is well-equipped with credit cards and installers, the payment market will be expanded later aimed at the Consumer Rock, which is different from the United States.

Kupang, Naver, Payment Payment Leading

BNPL is a service that consumers are a service that helps the value of the object or to make the installment, and it is easily said it is a backfish payment service.

Consumers with low credit rating or without income have a certain commission, and the service is available in the United States, and in the United States, Afpage of Australia, Clara of Sweden, Clara, a well-known BNPL company.

In Korea, we are providing services since last year by the name Kupang 'Later Payment'. Among the products sold in Kupang, the Kupang shall apply only to the purchase of rocket ships, rocket pre-production. It does not make a fee like the United States, and it provides a postpaid payment service only for the goods purchased directly in the Kupang.

To use the later payment of Kupang, you can choose later payment in the payment method when ordering. When you purchase a product, you will be automatically transferred to the next month in the registered debt account.

At duplex, an delay fee of 0.03% (12% YoY) is generated, and measures such as bonds or sale may be made in accordance with the regulations related to long-term duration.

Since the service is only available for 19 years old and the service subject is determined by the data of Kupang Pay, it is currently demonstrating some rocket and wow subscribers. The limit depends on each individual.

Kupang's later payment services are useful for consumers who have insufficient cash, and consumers with low payment. It is also used to use when you need a daily necessity, and it is also used to pre-suite a special offered by Kupang.

Naver's backfish payment service is an innovation financial services designated by the Financial Commission to provide a small credit opportunity for social classification, housewives, and financial margins in a difficult to credit transaction. It is demonstrating a demonstration of some subscribers from April this year. If you select a later payment, you will be used within the granted limit, and on a 5-day per month, 15 days, the subscriber is executed in the account registered on the date you selected on the date you choose. You can use all the retention points, and you can use a backfish payment, and you can get a 1% Naver Point reserve on a backfish payment.

Like Kupang, a delinquency fee of 0.03% (12% annual) is imposed. However, during the demonstration period, it is possible to defer the melting fee charge within 5 days from the date of payment date.

Naver officials said, I am not a lot of demonstration, but I am not a lot of targets, but I am in the midst of a researcher, a housewife, and a new wave, and I need to pay a small amount, I need to pay a small amount, I have to use it.

** As soon as it is a small payment,

Later payment services provide Naver and Kupang, the BNPL and nature in the United States are different. The issuance of credit cards is a tricky, and the release of the credit card, the MZ generation, and the installment service is popular. In Korea, credit cards or check card issuance is not relatively difficult, and the installment service is well-established for each card company.

If so, why are Naver and Kupang to introduce payment services later? In the industry, these services are expected to be useful for consumers who enjoy mobile phone microbial payments, and we expect to be a more consumer locking effect while providing a more diverse payment method.

In Naver and Kupang, it is an analysis to reduce inconvenience and huge for payment when purchasing goods. Kupang is particularly achieved in particular, especially in daily necessities and fresh food sales, and there is a view that it includes efforts to provide consumers quickly and free of charge in a difficult situation.

Naver also operates a backfish payment service in terms of consumer convenience, and it is to be in the form of a cell phone microparticide.

Industry officials said, In Korea, there is not much known that BNPL services are not well known as overseas, and only some users can use personal credit information and alternative credit evaluation system, and Although it is available, it seems to be helpful in the effect of consumer locks.