# Korea Credit Data (한국신용데이터)

> Korea Credit Data is a Seoul-based merchant technology company. Its Cashnote service brings sales, settlements and business operations into one place, with paid memberships, finance comparisons, supplies, community and marketing tools. Its group also operates payment networks, POS technology and merchant credit assessment.

- **Founded:** 2016
- **Headquarters:** Seoul, South Korea
- **Founders:** Dong-ho Kim (Kelvin Kim) (Co-founder and CEO)
- **Products:** Cashnote, Cashnote Finance, Cashnote Market, Cashnote Plus, Cashnote Talk
- **Notable:** 34,000 merchant customers within eight months of the 2017 launch, reported in January 2018., Reached its millionth Cashnote store in April 2022., USD 1 billion post-money valuation announced in August 2023.

## Products & services

- **Cashnote** — Sales, costs, settlements and business-management tools; launched as a KakaoTalk chatbot.
- **Cashnote Finance** — Credit-score checks, card and loan comparisons, and tax-related services.
- **Cashnote Market** — B2B purchasing for ingredients and business supplies.
- **Cashnote Plus** — Paid membership with premium bookkeeping, AI sales forecasting, market coupons and partner benefits.
- **Cashnote Talk** — Community, policy information and advice for merchant owners.
- **Cashnote Place / My Store** — Customer acquisition, regular-customer management and KakaoTalk marketing.
- **KCD Data Lab** — Regional economic and consumption analytics for institutional users.
- **Cashni** — Conversational AI assistant using connected store data.
- **Cashnote Shop Transactions** — Shop-transfer listings backed by actual operating indicators.

## Achievements

- 34,000 merchant customers within eight months of the 2017 launch, reported in January 2018.
- Reached its millionth Cashnote store in April 2022.
- USD 1 billion post-money valuation announced in August 2023.
- Korea Credit Service received a dedicated sole-proprietor credit-bureau licence in July 2022.
- First monthly operating profit reported for December 2025.
- 2025 platform revenue increased 119% year over year, according to April 2026 reporting.

## Latest updates

- **2026-01** — Announced December 2025 monthly operating profitability; full-year profitability remained a 2026 ambition.
- **2026-04** — Reported 2025 consolidated revenue of KRW 162 billion and adjusted EBITDA loss of KRW 17.9 billion.
- **2026-04** — Launched Cashnote Shop Transactions, using store operating information in transfer listings.
- **2026-08** — Reportedly discussing pre-IPO financing; the company said size and timing were undetermined.

## Links

- Website: https://kcd.co.kr
- LinkedIn: https://www.linkedin.com/company/korea-credit-data/
- Twitter/X: https://twitter.com/koreacreditdata
- GitHub: https://github.com/koreacreditdata
- YouTube: https://www.youtube.com/channel/UCME5OlRMIrDXMofqIDuTrgg
- Instagram: https://instagram.com/koreacreditdata/
- Facebook: https://facebook.com/koreacreditdata/

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Profile page: https://yespress.io/korea-credit-data
Published by YesPress — https://yespress.io
Last updated: 2026-10-11