[Exclusive] Automatic AI interest rate cut application... Reduction amount is less than half of direct application

A service using artificial intelligence to automatically apply for interest rate cuts at financial companies has been introduced, but its acceptance rate is over 10% lower than direct applications. According to data submitted to the Financial Supervisory Service and analyzed by Rep. Kang Jun-hyun of the Democratic Party, from February to June, 146.3724 million automatic applications were made, of which only 21.8664 million were accepted, an acceptance rate of 14.9%.

In contrast, direct applications had an acceptance rate of 25.5% from January to June. The average interest saved per accepted application was 170,000 won for direct applications and 78,000 won for automatic applications.