Deposit-token trials are spreading from payment gateways and merchant networks to cross-border payments, shifting the commercialisation race from issuance to where tokens can be used. Payment and settlement at the same time could cut small merchants’ fees and settlement periods. Inclusive finance is expanding by borrower type as banks tailor products and fintechs support fees. Regulators are weighing tighter limits on single-stock leveraged products. Market reforms also tighten scrutiny of duplicate listings and low-PBR firms.

BNK Busan Bank has launched a preferential loan product for daily construction workers who have difficulty providing proof of income and employment. The bank said the loan offers up to 35 million won and carries an interest rate of up to about 5.5 percent a year. It will use severance fund contribution records issued by the Construction Workers Mutual Aid Association and also reflect estimated income calculated by a credit rating agency.