The financial market is constantly evolving, and one of the key forces driving this change is data. Antock Co., Ltd. is a fintech company developing various solutions that utilize alternative data to resolve information asymmetry in the financial sector and offer a new direction for corporate analysis. We sat down with Vice President Park Youngjoon to hear about Antock’s vision, challenges, and journey toward data-driven innovation.
Antock is not just about collecting data. It is an innovative fintech firm that periodically gathers data, processes and analyzes it with precision, and delivers customized insights to financial institutions. Focused on solving information asymmetry in the financial industry, Antock’s core strength lies in the Hubble Database. This dynamic corporate database has digitized the entire ecosystem of registered corporations in Korea, setting the foundation for a new paradigm in financial analysis.
“Just as the phrase ‘Garbage in, Garbage out’ goes, the quality of an analytical model depends entirely on the quality of data. Data integrity, coverage, and how we interpret the data are all critical. In a fast-changing market, we focus on capturing corporate data in real-time and analyzing it with purpose to help our clients make optimal decisions,” explains VP Park.
One of Antock’s standout solutions is its alternative credit rating system, PULSE, which is drawing growing attention in the financial sector. Rather than relying on traditional financial data, this system evaluates the risk levels of all domestic corporations using publicly available information. It preprocesses all data based on recency, frequency, and magnitude, generating derived variables that strongly correlate with default risk, thereby offering a highly discriminative model.
“The strength of the PULSE system is its ability to provide accurate credit evaluations using only non-financial data—especially for SMEs with limited financial history. Public data enables us to track corporate activity almost in real-time, offering a faster and more accurate risk assessment than traditional models that rely on annual reports,” says Park.
Antock’s PULSE has already passed several technical validations with financial institutions and is now in pilot operation through consignment agreements. Notably, Lotte Card adopted the evaluation results for SME credit card screening. After six months, the approval rate increased, and default rates dropped—a clear sign of impact.
“Traditional models have limits when it comes to SMEs due to their reliance on financial data. In Korea, over 87% of companies fall into the B to BB credit rating range. But our system analyzes over 300 public data points monthly, significantly improving the precision and consistency of our models,” Park adds.
By enabling better financial services for SMEs and enhancing risk management capabilities for financial firms, Antock is reshaping the credit evaluation landscape.
VP Park Youngjoon earned his degree from Boston University and gained early startup experience as a core team member in the U.S. After returning to Korea for health reasons, he co-founded Antock with his older brother, CEO Park Jaejoon.
“My experience expanding a business on the U.S. East Coast gave me the confidence and resilience to take on entrepreneurship again. My brother’s proposal to tackle financial information asymmetry resonated with me deeply, leading to my second startup journey,” Park shares.
This global background has helped Antock build a foundation for international competitiveness. The company now plans to scale its automated corporate data collection and analysis (RPA) technology globally, starting with Singapore. Following participation in the K-Startup Demo Day and an upcoming presence at the Singapore Fintech Festival, Antock is preparing to establish a local subsidiary and launch its services there within the year.
Antock’s ambitions go beyond being a typical fintech company. VP Park revealed plans to grow Antock into a technology holding company, creating spin-offs that bring innovative business models to various industries.
“We aim to become a tech-holding firm that constantly drives innovation by offering new perspectives through our technologies and data. Our first spin-off project will center around the PULSE system, but we’re planning additional ventures that reshape how financial analysis is done,” Park explains.
This spin-off strategy opens up new possibilities for applying Antock’s technology across different sectors.
“Our technology is not limited to finance. We believe it can generate new value in various domains, and we are confident in our ability to make that a reality,” Park emphasizes.
Antock’s vision for the future is crystal clear: by commercializing innovative technologies centered on data, the company aims to achieve sustainable global growth and drive industry-wide transformation.
“The responsibilities are great, but so is the sense of purpose. Every step with our team is challenging yet rewarding. Our core mission is to support optimal decision-making through data, and we strive to foster a more sustainable corporate ecosystem,” Park concludes.
He further highlights that Antock will continue to serve not only as a technology provider but as a trusted partner that empowers companies to make better decisions and grow.
“The innovations we build won’t just impact businesses—they will create ripple effects across entire industries. We’re committed to leading these changes through ongoing challenges and opportunities.”
Through this interview with VP Park Youngjoon, we witnessed firsthand how Antock is transforming the financial market through data innovation. A company genuinely devoted to unlocking the hidden value of data and solving real problems—its future as a global player and a tech-holding company is full of promise.
