Tighter household loan rules are putting pressure on the revenue models of small and mid-sized fintech firms that grew on loan comparison and recommendation services. As lenders’ capacity to supply loans shrinks, brokerage income via platforms could also contract. Woori Bank has halted new credit loans and refinancing applications via major loan comparison platforms. Fintech firms are expanding into data and AI, licences and corporate services, with moves such as Finda’s savings bank acquisition push, BankSalad’s health and insurance data services, and PFCT’s overseas B2B risk solutions.

AI technology finance firm PFCT said it has wrapped up the third PFCT AI Credit Scoring Academy, held for five days at its headquarters in Seoul. The academy covered how financial AI is used across decision-making, including risk management and interest rate and limit strategies. Training focused on PFCT’s AIRPACK AI risk management solution and also covered the firm’s in-house AI agent platform and LLM use. Students from various majors participated, and top graduates may receive internship opportunities.