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Review of Hana OneQ Platform and Services

Hana OneQ offers a comprehensive suite of features designed to enhance the banking experience through its mobile application. The platform features an innovative digital playground, featuring engaging activities, exclusive benefits, and informative content centered around the app’s offerings. Users can participate in gamified experiences that reward them with cash incentives, effectively turning banking into an enjoyable activity while promoting app-based financial growth.

On the first, eleventh, and twenty-first days of each month—designated as Hana Day—users are invited to partake in a major promotional event. This includes a chance to win Hana Money and obtain various coupons, with multiple participation opportunities providing additional chances for rewards. Encouraging users to activate notifications and participate actively enhances engagement within the platform.

The platform also emphasizes its football-related content under "Hana OneQ Football Play," where daily quizzes, team support for K-League clubs, and prediction games for match outcomes create an interactive sports experience. Rewards are integrated into this entertainment segment, adding further incentive for users.

Hana Bank extends its value through fee waiver benefits for fund transfers. Whether transferring from Hana Bank to other banks or between different financial institutions, users can enjoy reduced or waived transfer fees regardless of their primary banking relationship with Hana.

For salary earners, Hana Bank provides a dedicated account service promising monthly incentives such as coupons for coffee, convenience stores, cosmetics, and delivery services. This aims to enhance saving incentives with tangible rewards tied directly to salary receipt accounts.

The app also offers emergency funds recharge features—allowing users to quickly fund their overdraft accounts within 90 seconds—providing financial flexibility when urgent cash is needed. The negative balance feature enables users to borrow against their accounts at interest rates proportional to usage.

Hana Bank appeals to international financial needs with its foreign exchange services. These include secure international remittances to over 200 countries, flexible currency exchange through its "Currency Wallet," and a marketplace ("FX Market") for buying and selling 27 foreign currencies including USD, EUR, and JPY. These services prioritize speed and safety for global transactions.

The bank’s asset management capabilities are showcased through "Hana Combo," an AI-driven platform that analyzes individual holdings and offers personalized wealth management portfolios based on real-time data, making investment strategy easier for clients.

Retirement planning is addressed via "Hana Pension Doctor," an AI-powered solution that simplifies pension investments by setting goals which AI manages automatically. Additionally, personal IRAs are available for tax-efficient retirement savings with expert consultation readily accessible.

Hana OneQ consolidates users’ investments across securities, credit cards, and insurance policies owned within Hana Financial Group—such as Hana Securities, Hana Card, Hana Capital, and others—facilitating a holistic view of financial assets in one interface.

The app includes clear notices regarding access permissions needed for its various functionalities. These encompass essential permissions like phone verification and storage access, as well as optional permissions such as location or camera use. The privacy policy details the scope of data sharing with third parties like GateCatch for VOIP services, emphasizing user control over permissions and data security across different operating system versions.

Additionally, Hana OneQ offers services like "Visible ARS," where users must consent to sharing personal information like phone numbers and app push IDs with GateCatch for service enhancement. Clear instructions guide users on how to revoke permissions if desired by contacting Hana Bank’s customer service.

General advisories recommend reviewing product disclosures before signing contracts and emphasize that former customers of the predecessor FX banking platform should verify their accounts through the main app. The service is primarily accessible via mobile devices, although internet banking through PC remains available at Hana Bank’s website.