The banking sector is taking a busy step in increasing access to non-face-to-face platforms. As major channels in the banking sector are shifting their focus from face-to-face to non-face-to-face, it is interpreted that they are focusing on providing differentiated customer experiences.

They are also active in using new technologies by introducing artificial intelligence technology to non-face-to-face counseling services or expanding real-name verification functions using blockchain technology.


According to the banking sector on the 31st, Shinhan Bank, NH Nonghyup Bank, and Kakao Bank recently applied their mobile driver’s licenses to banking apps by utilizing blockchain-based Distributed Identification (DID) technology.


A mobile driver’s license is a digital identification card that can be issued to a personal smartphone through the Ministry of Public Administration and Security app and used to check real names face-to-face and non-face-to-face. Blockchain technology is applied, making forgery impossible and greatly reducing the risk of fraudulent use that may occur during non-face-to-face transactions.

These banks explain that access to bank apps can be improved as real-name verification is possible with digital identification stored on a smartphone instead of the existing method of taking ID cards directly during the real-name verification process. Earlier on the 22nd, Woori Bank also launched an electronic wallet service for digital credentials that can issue and utilize certificates of professionals using distributed identity authentication technology.