핀테크 증권의 진화: 토스증권이 그리는 모바일 투자 그 이상의 미래 > K-wave Trends

The hottest topic in the financial investment industry recently is the expansion of the territory of fintech securities companies surrounding ‘tax savings accounts.’ Toss Securities announced its full-fledged entry into the market by announcing the deposit service fee rate ahead of the launch of its pension savings account in the second half of the year. This is a direct challenge to the pension savings and ISA market already dominated by Kakao Pay Securities. The reason they are so obsessed with tax-saving accounts is not simply because of product sales fees. This is because pension savings are a product with a strong ‘lock-in effect’ that allows transactions to continue for decades once you subscribe. In other words, the strategic plan is to secure the 2030 generation, the future core economic population, early on and manage the entire customer life cycle.

Toss Securities' strategy is also focused on expanding user experience (UX) specialized for mobile environments to web-based stock trading service (WTS). The recent PC version update clearly shows this direction, most notably the introduction of the ‘multi-chart’ and ‘chart order’ functions. Investors can now view up to four charts simultaneously on one screen to analyze market conditions three-dimensionally, and orders can be processed immediately within the chart screen, maximizing trading efficiency. By eliminating the inconvenience of previously having to check the chart and go to a separate order window, we have created an environment where investors can focus solely on the flow of the chart and market changes.

The introduction of the ‘tab function’ that prioritizes user convenience is also something to pay attention to. Investors can now view the information they want in real time by organizing it into tabs while looking at charts or quote windows. By placing not only market information but also supply and demand trends by entity such as individuals, foreigners, and institutions on one screen, it provides a ‘customized dashboard’ that allows investors to make their own strategic decisions. It is very impressive that it is designed so that the order of the tabs can be freely adjusted, allowing anyone, from beginners to experienced investors, to build an optimal investment environment that suits their style.

The asset class expansion strategy in line with market changes is also noteworthy. In addition to traditional investment information such as existing indices, exchange rates, bonds, and raw materials, Toss Securities introduced major virtual asset prices such as Bitcoin, Ethereum, XRP, and Solana into the platform. This is a result of investors' recent high interest in digital assets, and provides an integrated investment experience that allows you to compare and understand stock and coin prices at a glance without going through a separate virtual asset exchange. These actions prove that Toss Securities is aiming to go beyond a simple stock trading app and become a financial portal where investors can view the flow of all accessible assets in one place.

Of course, during this rapid growth and service expansion, there were unexpected happenings. Recently, an error occurred during the process of setting the favorite bookmark thumbnail image in the Chrome browser, where photos from community posts on the Toss Securities website were incorrectly displayed. This was not an external hacking or internal system defect, but a technical issue that occurred when the browser automatically crawled images within the web page. Toss Securities immediately responded by improving the settings so that the official logo was exposed first. This was a growing pain that can be experienced in the process of popularizing the platform, and also served as an example showing how sensitively a company must respond to maintain the reliability of the platform.