Personal Credit Information
Information used to assess a counterparty’s creditworthiness in financial transactions such as loans and card issuance.
NICE Information Service is Korea’s first and largest credit bureau (CB). We process and analyze diverse credit data collected across the financial industry.
Personal Credit Score
A statistical measure of credit risk, including the probability of delinquency lasting 90 days or more within the next year.
Credit Bureau (CB)
Only providers licensed under Korea’s Credit Information Act may operate as credit bureaus. NICE is the only CB currently conducting advertising services.
| Category | Institutions | Use Cases |
|---|---|---|
| Financial | Banks, card issuers, installment finance, insurers, mutual finance institutions, savings banks, and registered lenders | Loan approval, card issuance, and more |
| Non-financial | Rental providers, telecom carriers, cable operators, and more | Telecom line activation, new rental subscriptions, and more |
Available Credit Data and Differentiators
C-TARGET DMP provides Korea’s broadest credit-information coverage and MyData, along with diverse partner data.
Korea’s First and Largest Credit-Data Ad Tech
- Identity Data
- Credit Score
- Card Data
- Loan Data
- Income / Occupation
- Business Data
- Vehicle Data
- Rental Data
- Real Estate Data
- Transaction Data
- Account Data
- Investment Data
- Insurance Data
- Electronic Finance Data
- Telecom Data
Go beyond inferred interests and behavioral estimates with real individual credit data, enabling more accurate targeting.
Conventional Ad Platforms
Men in their 30s living in Seoul with an interest in finance
- Based on de-identified user data Behavioral data such as search and browsing history
- Limited to de-identified or inferred data Inconsistent performance due to limited accuracy
- Little differentiation in targeting across media platforms
C-TARGET DMP
- Based on nationwide credit information Credit scores, income, card and loan data, and more
- Current, verified data Timely data and accurate audience targeting
- Exclusive data available only from NICE
Introducing C-TARGET DMP
For DA and VA campaigns on major online media, onboard advertising identifiers (ADIDs) to activate NICE credit data for tailored audience targeting.
※ Data obtained through optional consent via NICE Group companies and partners
-
Targeting Scenario
Combine credit-data attributes and scores to design a targeting scenario
- Income
- Employment
- Loans
- Cards
- Real Estate
- Vehicles
- Rentals
- Sole Proprietor Data
-
Audience Sizing
Lookalike Expansion
Check audience size and availability for each scenario
Expand to lookalike users when needed
Confirm audience size with C-TARGET Intelligence 
Core Audience 
Lookalike Audience Excluded Users
Extract ADIDs 
-
Activate Target Audiences
Onboard ADIDs by media platform and launch campaigns
※ Run campaigns for at least 5–10 days after onboarding to measure performance
-
Case Study — Loan Comparison Platform
To increase non-bank credit-loan volume, we precisely targeted high-intent borrowers and outperformed conventional media targeting
Define Audience Requirements
Select high-intent prospects who meet non-bank credit-loan requirements
- Credit score of 750 or higher
- Employment information registered or annual income of at least KRW 30 million
- Demonstrated demand for non-bank lending
- Meets the average internal CSS criteria by platform partner and loan product
- Exclude prospects exceeding non-bank DSR limits
- Exclude delinquent or otherwise high-risk customers
Deliver banners for non-bank credit-loan products
Case Study — International NGO
For an international NGO donor-acquisition campaign, we targeted high spenders and family-oriented consumers to outperform conventional media in CTR and donation conversions
High-Spender Targeting
Versus media targeting CTR ▲ 85% increase
Versus media targeting Cost per conversion ▼ 86% decrease
Family-Oriented Consumer Targeting
Versus media targeting CTR ▲ 150% increase
Versus media targeting Cost per conversion ▼ 30% decrease
Introducing C-TARGET LMS
Send through NICE Information Service and the L.POINT partner channel, using diverse credit-data attributes to reach selected audiences by LMS.
-
Set the Targeting Scenario
Combine credit-data attributes and scores to design a targeting scenario
- Income
- Employment
- Loans
- Cards
- Real Estate
- Vehicles
- Rentals
- Sole Proprietor Data
-
Confirm Audience Size
Extract Target Audience
Check audience size and availability for each LMS channel and scenario
Confirm audience size with C-TARGET Intelligence
Core Audience
Extract Audience
-
Send LMS Messages
Send LMS messages to the selected audience through each channel
-
