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Games & Commerce

Naver payments vs Kakao chats: Battle to capture everyday data in AI era

Naver and Kakao are moving to secure everyday data to raise personalisation in artificial intelligence services. Naver is collecting visit, order and payment data through its offline payment terminal and linking it with existing search and booking information. Kakao is focusing on remembering users’ schedules, interests and preferences scattered across KakaoTalk chats through long-term on-device AI memory, and on connecting external transaction functions such as food delivery.

Industry

Samsung Electronics, SK Hynix diverge on long-term memory contract strategy

Samsung Electronics and SK Hynix are shifting memory sales to multi-year long-term supply agreements, but are taking different approaches. Samsung is seeking to lock in 60 to 70 percent of capacity under contracts that fix price and volume. SK Hynix is building up deals but keeping part of output outside contracts, citing supply constraints. With terms undisclosed, the outcome is expected to be judged by earnings and shareholder returns.

Finance

Fintech posts record results as payment touchpoints expand, signs of loan curb easing

Major fintech firms posted strong first-half results as growth in payments and financial services lifted revenue and profit, with overseas payments and new businesses also expanding. Payment companies are widening links into daily life through merchants, local currencies and transport, while firms bundle payments with other services. As businesses grow, demands for soundness management rise. Separately, there are signs of partial adjustments to loan regulations, while bank lending volume controls continue.