KakaoTalk is the most popular and most used messenger application in South Korea. Monthly active users of KakaoTalk are approximately 48 million which equals to approximately 94% of the population of South Korea . KakaoTalk is also the most installed and used mobile app followed by YouTube and Naver. In addition, the messenger is famous for a comfortable banking service called KakaoBank . KakaoBank has over 19.9 million monthly active users. There are also several features su