■ KB Pay: KB Kookmin Card, Assets, and Life (Shopping/Travel)
• Payment amount inquiry, instant payment, finance (loans), card issuance, payment services, and more
• Access all KB Kookmin Card services in a single KB Pay app

■ Home
• Optimized benefit information and services tailored to your needs

■ Dual Home (Card)
• All card-related information in one place
• Card usage history inquiry, instant payment, financial services, automatic payments, and more

■ Benefits
• Customized and affiliated events at a glance
• Random point rewards once a day (attendance check), and random point rewards when paying with KB Pay (Keuniverse)

■ Finance
• Customized financial information at a glance
• Long-term/short-term card loans, credit loans, car loans, and even revolving service

■ Payment
• Cards are the basics! Register your bank account or Pointree to make payments as easily as with a credit card.
• Check your usage history, financial details, and even automatic payments through the Timeline.
• Tap on your usage history to access features like Instant Payment, Split Pay, and Memo Writing to manage your spending wisely.

■ Shopping/Travel
• Don't miss out on daily shopping specials and limited-quantity Wish Items.
• Book flights (no ticketing fees on the KB Pay app), accommodations, and rental cars all in one place!

■ Mobile Transportation Card Functionality
• Can be used on buses and subways nationwide.
• If you consent to signing up for and using mobile transportation services, your mobile phone number, USIM ID, name, gender, date of birth, and CI value will be provided to Idongui Joy Co., Ltd. and Mybee Co., Ltd.

■ Please Double Check
• You can sign up using your own mobile phone number or the mobile phone number registered with our company.
• For secure financial transactions, we recommend updating to the latest version.

• Avoid using Wi-Fi networks with unclear sources or security settings.
• Please use a mobile network.
• This app cannot be used on devices that have been jailbroken, rooted, or otherwise modified.
• Usage fees may apply when downloading or using apps using data.

■ Minimum permissions are required for safe and convenient use.
[Required]
• Phone: USIM phone number verification for KB Pay membership and mobile transportation service subscription.
※ Data collected and shared: Mobile phone number, USIM unique number, name, gender, date of birth, CI value.
※ The KB Pay app collects/transmits/synchronizes/stores your mobile phone number for mobile phone authentication (SMS/ARS) and contact remittance services when signing up for membership, reinstalling, logging in, changing your profile phone number, or using the card usage notification service.

※ Skp_skt_SDK provides the collected information to Joy of Moving Co., Ltd. and Mybee Co., Ltd. after consenting to personal information when signing up for a mobile transportation card within KB Pay.

• Storage: App content storage
• App verification and detection: Antivirus, PureApp verification, malicious app detection

[Optional]
• Camera: KB Pay payments, QR code capture for authentication, card registration
• Notifications: Receive push notifications
• Biometric information: Additional authentication method for payment and service use
• Location information: Provides location-based benefit information
• Address book: Remits domestic contact information
• Display over other apps: Edge Panel function, launches digital ARS
* The access permissions for the optional items are used to provide better service to you. Even if you do not grant permission, you can still use the app for other functions.
* You can change the access permissions settings in the [Settings > KB Pay] menu.

■ KB Pay listens to its customers.
• Detailed information is available through various channels.
• KB Kookmin Card website (www.kbcard.com)

• KB Kookmin Card Call Center (1588-1688)
• KB Pay app-only call center (1644-9311)