Its many pioneering and standard-setting services include “The More Installment Savings” that offers a preferential interest rate to users of Liiv M’s telecommunications services; “Telecommunications Fee Guarantee Insurance” that guarantees telecommunications fees when users suffer disability from diseases or accidents, etc.; “Phishing Insurance” that compensates financial losses due to voice phishing; and “Voice Phishing Prevention Service” that restricts cash withdrawal from ATMs while on the phone.