Launch of MY Asset Service, which provides customers with open banking services, including transfer and asset management solutions Ca Shinhan PayFAN, a comprehensive platform for everyday finance · Provides an ultra personalized service that recommends customized benefits according to our customer TPO (time/place/occasion), and an expenditure management service that comprehensively analyzes and manages customer consumption patterns · For the first time among domestic credit card companies, we have developed a touch payment system that makes smartphone payment possible at all our offline merchants.