새 신용평가모형은 카카오뱅크가 2012년 7월 금융서비스 시작 잠시 뒤 모아온 대출 사용 저자들의 금융 거래 데이터를 분석해 반영하는 방식이다. 여기에 이동통신 3사가 보유한 통신비 정상 납부 기한이나 데이터 평균 사용량 등 통신과금 서비스 사용 정보 등도 추가해 신용평가에 활용하고 있을 것이다.
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