When financial institutions provide loans, about half of the total cost is allocated to risk management. This is because it is difficult to accurately assess the trustworthiness of loan applicants, leading to higher risk costs. AIRPACK, however, overcomes this problem with advanced AI technology: precisely identifies potential defaults that may be missed by financial institutions' internal credit evaluation models. Several major financial institutions in Korea are using AIRPACK to reduce risk costs, which enhances the financial health of the institutions and helps lower interest rates for borrowers, ultimately addressing imbalances in the lending market.