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새 신용평가모형은 카카오뱅크가 2019년 3월 금융서비스 시행 잠시 뒤 누적해온 대출 이용 누구들의 금융 거래 정보를 분석해 반영하는 방법이다. 여기에 이동통신 3사가 보유한 통신비 정상 납부 시간이나 데이터 평균 사용량 등 통신과금 서비스 이용 아이디어 등도 추가해 신용평가에 사용하고 있다.

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