{
  "slug": "kr-fintech",
  "name": "South Korea Fintech & Payments",
  "updated": "2026-10-30",
  "page": "https://godofstartups.com/atlas/markets/kr-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Daily average value of prepaid electronic payment (stored value) transactions in Korea",
      "value": "13,051.0",
      "unit": "KRW 100 million/day",
      "geo": "KR",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bok.or.kr/portal/bbs/B0000502/view.do?nttId=10097038&menuNo=201265"
    },
    {
      "metric": "Cumulative loans originated by Korean online investment-linked (P2P) lenders",
      "value": "20",
      "unit": "KRW trillion",
      "geo": "KR",
      "period": "2026-08",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87771"
    },
    {
      "metric": "Share of non-financial e-finance firms (big-tech/fintech) in Korean easy-pay value",
      "value": "55.4",
      "unit": "percent",
      "geo": "KR",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bok.or.kr/portal/bbs/B0000502/view.do?nttId=11064870&menuNo=201265"
    },
    {
      "metric": "Average merchant fee rate on prepaid (pay-balance) payments via Korean e-finance firms",
      "value": "1.85",
      "unit": "percent",
      "geo": "KR",
      "period": "2025-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/86029"
    },
    {
      "metric": "Generative AI services launched by financial firms under innovative financial service designations, Korea, cumulative",
      "value": "45",
      "unit": "services",
      "geo": "KR",
      "period": "2026-04",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/86712"
    },
    {
      "metric": "Newly opened small/medium credit-card merchants per half-year, Korea",
      "value": "15.9",
      "unit": "10 thousand merchants",
      "geo": "KR",
      "period": "2026-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87498"
    },
    {
      "metric": "Share of deficit households (consumption exceeds disposable income), income quintile 5, South Korea",
      "value": "9.8",
      "unit": "percent",
      "geo": "KR",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://mods.go.kr/board.es?act=view&bid=214&list_no=446633&mid=a10301010000"
    },
    {
      "metric": "Loan-comparison platform brokerage fee rate paid by card/credit-finance companies on refinanced credit loans",
      "value": "1.00–1.30",
      "unit": "percent of loan",
      "geo": "KR",
      "period": "2024-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/82773"
    },
    {
      "metric": "Aggregate operating profit decrease of Korean VASPs, half-on-half",
      "value": "18",
      "unit": "percent",
      "geo": "KR",
      "period": "2025-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://fsc.go.kr/eng/pr010101?curPage=3&srchCtgry=5"
    },
    {
      "metric": "Users of bank/card-company finance apps citing rates and fee benefits as main reason",
      "value": "20.4",
      "unit": "percent",
      "geo": "KR",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bok.or.kr/portal/bbs/B0000232/view.do?menuNo=200706&nttId=10090464"
    },
    {
      "metric": "Biometric payment awareness, Korean adults aged 60+",
      "value": "28.3",
      "unit": "percent",
      "geo": "KR",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bok.or.kr/portal/bbs/B0000232/view.do?menuNo=200706&nttId=10090464"
    },
    {
      "metric": "Share of 20% high-growth enterprises among 10+ employee firms, all industries, Korea",
      "value": "1.8",
      "unit": "percent",
      "geo": "KR",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://mods.go.kr/boardDownload.es?bid=11469&list_no=447531&seq=1"
    },
    {
      "metric": "Voice phishing incidents reported, Korea, 10-month total (Oct–Jul)",
      "value": "12,554",
      "unit": "cases",
      "geo": "KR",
      "period": "2025-10/2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87637"
    },
    {
      "metric": "Linkage rate of medical institutions to Korea's indemnity insurance e-cl … ystem, all participating medical institutions",
      "value": "29.0",
      "unit": "percent",
      "geo": "KR",
      "period": "2026-05",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/86854"
    },
    {
      "metric": "Annual interest saved per borrower refinancing jeonse (rental deposit) loans via Korea's online loan-switching service",
      "value": "242",
      "unit": "10",
      "geo": "KR",
      "period": "2024-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/82773"
    },
    {
      "metric": "Interest relief per user from MyData AI-agent rate-cut request service, Korea",
      "value": "61",
      "unit": "KRW 10k per person",
      "geo": "KR",
      "period": "2026-07",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87585"
    },
    {
      "metric": "Average monthly total wage per worker, financial and insurance activities (KSIC K), Korea",
      "value": "7,887",
      "unit": "KRW thousand/month",
      "geo": "KR",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.index.go.kr/unity/potal/eNara/sub/showStblGams3.do?stts_cd=148508&idx_cd=1485&freq=Y&period=2021:2025"
    },
    {
      "metric": "Borrower interest-rate-cut requests filed, Korean lenders",
      "value": "163.8",
      "unit": "10",
      "geo": "KR",
      "period": "2025-H1",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/86329"
    },
    {
      "metric": "Korean mobile remitters using banks: chose because accessible from a frequently used app (messenger, portal)",
      "value": "32.6",
      "unit": "percent",
      "geo": "KR",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://www.bok.or.kr/portal/bbs/B0000232/view.do?menuNo=200706&nttId=10090464"
    },
    {
      "metric": "Credit-card merchants with annual sales KRW 1-3bn, Korea",
      "value": "19.9",
      "unit": "10 thousand merchants",
      "geo": "KR",
      "period": "2026-H2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/86274"
    },
    {
      "metric": "Venture capital investments, all stages, Korea",
      "value": "2628.9",
      "unit": "USD million",
      "geo": "KR",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://sdmx.oecd.org/public/rest/data/OECD.SDD.TPS,DSD_VC@DF_VC_INV,/all?startPeriod=2019&format=csvfilewithlabels"
    },
    {
      "metric": "Voice phishing report call answer rate before the integrated response unit, Korea",
      "value": "60",
      "unit": "percent",
      "geo": "KR",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87637"
    },
    {
      "metric": "Share of real-estate-collateral and stock loans in Korean P2P lending",
      "value": "70",
      "unit": "percent",
      "geo": "KR",
      "period": "2026-08",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87771"
    },
    {
      "metric": "Illegal private loans reported by victims via one-stop support centres, Korea (Feb 23–Aug 21)",
      "value": "4,705",
      "unit": "illegal debts",
      "geo": "KR",
      "period": "2026-02/2026-08",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsc.go.kr/no010101/87620"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}