[단독] AI 금리인하 자동 신청…감면액은 직접 할 때 절반도 안 돼

A new service has been introduced that allows financial institutions to automatically submit requests for interest rate reductions using artificial intelligence (AI) technology. However, the adoption rate for this automated submission method has been found to be significantly lower than the traditional manual submission approach, at around 14.9% compared to 25.5%.

This has resulted in most of the 146,037 requests received by financial companies for interest rate reductions falling short of the 14.9% acceptance rate. The adoption rate for manual submissions, on the other hand, was much higher at 25.5%. The interest rate reduction benefit also appears to be less for those utilizing the automated submission service, with an average reduction of only 7,800 won per application, compared to 17,200 won for manual submissions.

The lower adoption rate for automated submissions is believed to be due to the fact that financial institutions have not previously received requests for interest rate reductions from consumers, especially those with lower credit scores. Additionally, the lower interest rate reduction benefit for automated submissions may be due to the fact that the requests are spread out among a larger number of financial institutions, resulting in smaller individual benefits.