Digital Innovation in Finance
IBK is expanding its customer base and strengthening its platforms through digital channels. As of 2025, monthly active users (MAU) of corporate banking services reached an all-time high of 653,000. New e-branch customer acquisitions increased 63% year-on-year, with more than 75% of customers continuing to use the service even after their loan transactions are completed.
Following the launch of i-ONE Bank 3.0, digital MAU reached 4,570,000, while MyData subscribers expanded to 2.90 million, further broadening the foundation for non-face-to-face financial services.
Expanding Platform Finance and Digital Ecosystem
IBK is expanding its platform-based finance model, building a digital ecosystem that connects financial and nonfinancial services. Franchise operations leveraging IBK BaaS generated a cumulative KRW 215 billion in card transaction volume, and the bank is expanding its embedded finance model by integrating financial capabilities directly into services through B2B platform partnerships. IBK BOX, the bank's SME digital platform, received the Best SME Digital Lending Solution award at the Global SME Banking Innovation Awards.
Advancing AI- and Data-Driven Finance
IBK launched its proprietary generative AI platform, IBK GenAI, embedding AI across its operations. The bank enhanced its AI-powered policy finance recommendation service and AI-based risk management framework to strengthen its tailored financial support capabilities. It also reinforced customer protection by deploying a fraud account detection model, enabling the preemptive blocking of suspicious transactions.
These capabilities were recognized in 2025 when the Ministry of Economy and Finance designated IBK as an "AI Leading Institution." IBK is also enhancing operational efficiency and advancing its data-driven decision-making framework by deploying R Dae-ri—an RPA-based robotic assistant—and upgrading its data infrastructure.
i-ONE Bank:
The Evolution of a Digital Finance Platform
i-ONE Bank—IBK's flagship digital finance platform—has expanded financial accessibility and convenience for customers, centered on mobile financial services.
The platform architecture was further advanced through enhanced data utilization capabilities and the introduction of MyData-based services, culminating in the launch of i-ONE Bank 3.0. It has broadened the foundation for non-face-to-face financial services and reinforced a digital channel-centered customer engagement structure.
