카카오뱅크, 소호대출 잰걸음…네이버페이와 동행한 배경

Kakao Bank's strategic shift toward SOHO lending through Naver Pay's platform represents a critical evolution in fintech competition—as household lending regulations tighten, digital banks are integrating with third-party ecosystems to capture underserved small business segments and diversify revenue streams. This partnership model demonstrates how digital lenders address compliance pressures while advancing financial inclusion for lower-credit borrowers.