그동안은 은행 자율로 시행해 왔는데 법적 강제성이 없었고 홍보도 제대로 되지 않아 실제 이용이 많지 않았다.
In the meantime, it has been implemented on the bank's own, but there was no legal coercion and publicity was not done properly, so there was not much actual use.