■ Personal Messenger: Talk to your friends smartly!
It is a safe messenger that stores 1:1 conversations with friends and 1:N conversations between groups most safely.
■ In-house messenger: Smart business!
It is a convenient messenger that provides separate management while using both personal and company messengers with one app.
■ Interactive banking service: Smarter finance!
- Smart: You can easily use financial services by talking to KB Kookmin Bank's financial friend Smart.
- Memos: You can easily send notices and schedules in bulk to friends and co-workers, and you can also save them in your personal calendar.
- Alerts: Notifies you of financial service notifications and customer benefit information.
■ Secure Messenger: Security is also smart!

[User Guide]
- Live Smart is available to customers with a smartphone in their name over the age of 14. (You need to verify your identity with the telecommunications company, and authentication and membership sign-up may be restricted on tablet PCs.)
- If the operating system is tampered with, such as jailbreaking for safe financial transactions, the use of the service is restricted.
- You can download it through mobile carrier 3G/LTE/5G or wireless Internet (Wi-Fi). Please note that data charges may apply if the fixed capacity is exceeded in the flat-rate plan for 3G/LTE/5G.
- Inquiries: 1588-9999, 1599-9999

[Notice about app access rights]
※ Act on Promotion of Information and Communications Network Utilization and Information Protection, Article 22-2 (Agreement on Access Rights) In accordance with the Enforcement Decree, the access rights required to provide Liiv TalkTalk service are provided as follows.

[Essential access rights]
- Installed apps: Used to detect potentially threatening items among applications installed on the smartphone to prevent electronic financial transaction accidents.
- Phone: It is used to check the mobile phone number for mobile phone identity authentication and to collect device information for mobile phone identity authentication and app version confirmation with access to mobile phone status and device information.
-Storage space: Used when using services such as photo/video/voice/file storage and certificate storage in messenger with access rights to device photos, media, and files.
- Contacts: Used to retrieve contact information on the device when sending a contact.

[Optional access rights]
※ You can use the service even if you do not allow it, and you will receive consent when using the function.
※ You can use the Liiv TalkTalk service even if you do not agree to allow the optional access rights, but there may be restrictions on the use of some necessary functions, and changes can be made in the [Smartphone Settings> Applications> Liiv TalkTalk> Permissions] menu. it's possible.

-Calendar: Used when using the calendar interlocking service of note (schedule).
-Camera: Access to the photo taking function, used to set profile photos, take ID cards, and send photos/videos from messengers.
-Microphone: Used when using services such as voice message transmission and speaker authentication (voice authentication).