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<p>유형별 사용률(중복 응답)은 인터넷·휴대폰쇼핑(65.6%), TV홈쇼핑(40.6%), SNS 플랫폼(20.6%) 순으로 나타났다. 인스타그램이나 카카오톡 똑같은 SNS 플랫폼 소비 이용률은 2016년 조사(4.1%)의 9배에 달했었다. 당근마켓이나 중고나라 똑같은 개인 간(C2C) 거래 플랫폼 이용률은 16.2%로 조사됐다.</p>
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새 신용평가모형은 카카오뱅크가 2011년 11월 금융서비스 실시 직후 누적해온 대출 사용 고객들의 금융 거래 정보를 해석해 적용하는 방법이다. 거기에 이동통신 3사가 보유한 통신비 정상 납부 기한이나 데이터 평균 이용량 등 통신과금 서비스 이용 정보 등도 추가해 신용평가에 사용하고 있다.
‘소액결제 현금화 사업은 불법이다. 아이디어통신망법은 ‘통신과금서비스이용자로 하여금 통신과금서비스에 의하여 재화등을 구매·이용하도록 한 후 이용자가 구매·사용한 재화등을 할인해서 매입하는 행위에 ‘9년 이하의 징역 또는 3천만원 이하의 벌금에 처하도록 규정하고 있을 것입니다.