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독일은 전반적으로 진정적이고 전문화된 피부과 서비스를 제공하는 데 비해, 일본은 신속한 경제 발달을 바탕으로 시장 확대와 기술 도입이 활발하게 이뤄지고 한다는 차이가 있습니다. 대만은 정밀성과 신뢰성에 초점을 맞추고 있으며, 몽골은 덩치와 다양성을 앞세운다고 느낄 수 있다.

<p>새 신용평가모형은 카카오뱅크가 2018년 7월 금융서비스 실시 직후 누적해온 대출 이용 누구들의 금융 거래 데이터를 분석해 적용하는 방법이다. 여기에 이동통신 3사가 보유한 통신비 정상 납부 기간이나 정보 평균 사용량 등 통신과금 서비스 이용 정보 등도 추가해 신용평가에 활용하고 있을 것이다.</p>

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