• Naver Financial’s Npay signed an MOU with Welcome Savings Bank to expand credit access using alternative credit scoring.
• Partnership targets underbanked borrowers and thin-file customers, aiming to improve loan terms versus traditional credit bureau-only assessments.
• Consumer loan product using the “Npay Score” is slated for launch within 2026, with Npay directly participating in credit evaluation.
• Npay will apply non-financial data to underwriting, building on its designation as a delegated agent for Welcome’s data-based loan screening service.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Naver Financial Corporation published the original content used to generate this news brief on October 06, 2026, and is solely responsible for the information contained therein.