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[Anchor Lead]Korea's first internet-only bank opened today. All of the cyber bank's services are to be provided only through online and mobile platforms, without a single offline office.[Pkg]K-Bank, Korea's first internet-only bank, went into operation today. There is no offline office for the internet-only bank, because its banking services are provided only through online and mobile platforms. Instead, savings, loans, and other services are available 24 hours a day all year round.[Soundbite] Shim Sung-hoon(CEO, K-Bank) : "There is no need to take half-a-day off to get a loan at the bank. This changes the whole concept of banking."As K-Bank stands to save money on office operation or labor costs, it plans to compete with conventional banks by offering more interests on savings and lower loan rates. Moreover, K-Bank will apply more precise credit-rating standards than conventional methods, making it possible to take out loans with interest rates in the 10% range. However, it's imperative to ensure reliability as quickly as possible.[Soundbite] Prof. Kim Seung-joo(Div. of Information Security, Korea Univ.) : "K-Bank must consider more issues than conventional banks in terms of hacking threats, system availability, and reliability."Other challenges include size limitations for K-Banks as there are restrictions in the participation of industrial capital in internet-only banks.


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