Hyundai Card Launches Annual Statement 2025... AI Delivers Hyper-Personalized Reports

"2025 Spending Stories Told by AI"

Hyundai Card announced on January 15 that it will launch the "Annual Statement 2025," a service that analyzes members' annual credit card payment data to provide personalized spending insights. The company explained that it has enhanced the statement into a hyper-personalized spending insight report by applying an artificial intelligence (AI) agent system.

The annual statement is a service that Hyundai Card first introduced among card companies in 2021. It features intuitive, data-driven analyses of spending patterns and lifestyles that are difficult to grasp with only monthly statements. The cumulative number of users has reached 8 million.

Hyundai Card has applied its self-developed AI agent system to the statement. The AI agent, based on a large language model (LLM), is a generative AI that independently carries out projects according to pre-designed work flows. In the process of creating this year’s statement, AI agents were used throughout all stages, including analyzing the payment data of 12.6 million members, generating personalized messages for each member, and reviewing the results.

With the statement, members can discover spending insights they may not have previously noticed. In particular, the AI analyzes members’ payment data and presents the results through storytelling, offering hyper-personalized content that allows users to intuitively understand their unique spending lifestyles.

For example, in the "Spending Routine" section, the statement might say, "You started your day at a cafe after taking a taxi during a busy morning. This routine, repeated 48 times, may have seemed insignificant, but in fact, it was the warm and reassuring start to your day," revealing the meaning behind certain daily habits.

For spending tendency analysis, Hyundai Card utilizes its data science analysis technology to categorize each member’s spending tendencies as an "AI Persona" and delivers tailored stories based on these individual characteristics.

For instance, if a member is categorized as having a "Cooking Preference" persona and has spent a lot at Donga Mart over the year, the story might read, "You challenged yourself to cook with fresh ingredients and consistently prepared heartfelt meals. We look forward to the warm stories that connect your daily life with new recipes."

Additionally, members can objectively review their spending habits by comparing their data with other Hyundai Card members of similar age groups or annual spending levels. For those who have agreed to use MyData, not only Hyundai Card usage but also payment records from other card companies and changes in credit scores can be checked together.

The number of point types that holders of Private Label Credit Cards (PLCC) can use to compare their average annual point accumulation with other members has increased from seven to fourteen.

In addition to the existing Amex, Costco, and Naver Pay points, seven new types have been added this year: Olive Young Hyundai Card Rewards, Musinsa Points, Socar Credits, Nexon Hyundai Card Points, NOL Points, Red Members Points, and Mirae Asset Stock Mileage.

A Hyundai Card representative stated, "The statement has evolved beyond a simple list of data to become a service that delivers meaningful stories to each member," adding, "We will continue to provide more valuable insights to our members based on our data science capabilities."

Meanwhile, Hyundai Card will hold a quiz event for statement users until February 22. Among those who participate through the Hyundai Card application event page, 2,025 winners will be selected by lottery to receive coffee coupons.