In addition, we are establishing a systematic management process and promoting seasonal marketing to enhance Woori Card's smart app MAU 1) MAU : Monthly Active Users Digital Dedicated Organizations and System To ensure rapid responses to changing market conditions, Woori Financial Group does not place a boundary between face-to-face and non-face-to-face channels because we believe that effective marketing to future customers lies in the connection and convergence of face-to-face channels and non-face-to-face channels.