1) Convenience
- Use of diverse banking functions and transportation card is available with a mobile phone
- Convenient authentication procedure with the use of USIM without separate public key certificate

2) Security
- Outstanding safety with personal authentication and security method by using USIM
- Hacking of personal information within USIM is impossible
- Automatic restriction in use when exceeding certain numbers of password error

3) Provision of Diverse Banking Services
- Inquiry Service: Balance inquiry, transaction history inquiry, payment details inquiry
- Banking Service: Account transfer, remittance to same and other banks, insurance fee payment,
cash advance, and others.