38 million L.POINT members account for about 70% of the entire Korean population. Its number of active members, which reaches 21 million annually, is the most in the retail industry, and its magnitude of yearly points transactions reaches 450 billion, No. 1 in the industry. As a leader in rewards, it values L.POINT customers as the greatest competitiveness and the most important asset of LOTTE Members Co., Ltd., and its infrastructure of up to 400,000 partner companies and member stores continues to expand, encompassing the shopping, F&B, finance, airline, energy industry, mobile/wireless, and various other industries, all of which are the most utilized elements of a customer's lifestyle.

L.pay | L.POINT big data provides various insights for partner companies in combination with unstructured data on the web, social channels, etc. based on the information of more than 39 million customers, purchased product information, transaction information, and location and traffic information. In addition, as L.pay becomes more vitalized, it has also procured payment data, which has strengthened the foundation to thoroughly analyze customers' consumer journeys, and this has become LOTTE Group's most essential asset.

L.pay | L.POINT big data enables LOTTE Members to pinpoint data-driven insights to develop customer-centric solutions for partner companies. In addition to purchased product information, which is customers' behavior data, it aims to procure their recognition data and, for this, has opened a research service called 'Lime' to additionally operate a panel only for L.POINT members and conduct research for predicting new product releases and trends. It also publishes trend reports based on the research for marketers at each partner company to utilize them, and has developed an L.POINT consumption index after signing an MOU with the National Statistical Office and, in combination with data of public agencies, make market predictions, provide the necessary grounds for decision making and support to continuously draw up ideas on ways to increase sales.

LOTTE Members uses big data analysis to deduce customers' insights and predict trends through a research platform. Through this, LOTTE Members offers customized support for our partners to utilize marketing platforms. This enables our partners to increase sales, lead a qualitative change throughout business and, ultimately, improve customer satisfaction, which results in a virtuous cycle. L.POINT takes pride in its marketing goals and core capabilities to offer the most meaningful, rewarding benefits to the core customers of our partners at the right time, and through the right channel.

L.POINT operates various communication channels. They include traditional, offline channels, such as magazines, DM, and coupon books, as well as online and mobile channels. By activating a mobile channel, L.POINT provides real-time benefits tailored to individual customers and presents diverse marketing platforms to support the marketing activities of partner companies. From mobile marketing for small traders and enterprisers to platforms that can trigger interests and excitement for customers, L.POINT strives to become a marketing hub through which partners and customers can grow together.

The L.POINT service has extended its reach beyond Korea, with services being launched in Indonesia in 2013, China in 2014 and Vietnam in 2016, seeking to become a global leader in the world's most effective loyalty programs and customer-centric solutions. Through active partnerships with not only those within the group but also local companies in each nation, partnerships with various industries related to the lives of customers, such as mobile/wireless, finance, and airline industries, are sought to solidify its status as a global leader in the retail industry.

To improve online and offline payment experiences by customers, LOTTE Members operates L.pay and prepares to take a leap as the most convenient and fastest mobile simple payment platform. It maintains more than 100,000 member stores in a vast array of industries related to the lifestyles of customers that include shopping, restaurants, travel, rental car, theme park and hotel, with plans for expansion to many more industries in the future. In addition, through the combination of new technologies such as L.pay Wave (payment system that uses sound waves) and FIDO (Fast Identity Online). It aims to continuously improve customer convenience in usage and create synergy by organically linking with more than 39 million L.POINT members.