기존 금융기관 이용실적이 없거나 부족해 대출, 카드 발급 등을 받지 못했던 금융소외계층 혹은 신용정보 부족 고객에 제도권 금융 문턱을 낮춰주는 포용적 금융 실천에 도움이 될 수 있다.
It can help to implement inclusive financial practices that lower the financial threshold in a formal sector for customers whose information of their credits are insufficient or the financially neglected class of people who have not been able to receive loans or card issuance because of a lack of trade records in existing financial institutions or not having them.