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.

Kple, a platform operated by online investment finance firm PFCT, is launching a \"second market\" service that lets existing investors sell principal-and-interest receivable rights to other investors. The service allows sales before maturity for apartment collateral investment and securities account collateral investment products. Investors can sell from the third business day after investing and set their own discount rate. Amounts are settled immediately upon execution. Buyers join existing products midstream, with interest calculation starting immediately.