> Similarly, even though the messenger app does have integration with its payment platform (cleverly named KakaoPay), the service itself lives in a dedicated app.
Just like WeChat, KakaoPay is fully integrated in KakaoTalk to the extent that the large majority of users use KakaoPay only through KakaoTalk. The existence of the separate KakaoPay app doesn't have much of an impact. You can transfer money, receive money, and make payments through KakaoTalk, without using the KakaoPay app.
> Similarly, even though the messenger app does have integration with its payment platform (cleverly named KakaoPay), the service itself lives in a dedicated app.
Just like WeChat, KakaoPay is fully integrated in KakaoTalk to the extent that the large majority of users use KakaoPay only through KakaoTalk. The existence of the separate KakaoPay app doesn't have much of an impact. You can transfer money, receive money, and make payments through KakaoTalk, without using the KakaoPay app.