Money Likes Me Too - Chapter 60



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Episode 60.

Even though 4 billion won worth of advertising was not executed, there was no effect.

‘Why aren’t there any ads?’

‘I guess they don’t have enough money to give to the broadcasting station.’

That was all some people were muttering.

They even held a preview screening with employees from affiliated companies. That was the end of it. It couldn’t be seen on TV, not even on YouTube.

It was a common occurrence here.

This is a company that has had more than one or two lawsuits over non-payment of acquisition costs. This is just a joke. Naturally, no one raised an issue.

There was one aftermath.

‘Cocoa Kang Si-Hyeon, just leave this kid alone.’

It left Jinhyuksu with anger burning like hellfire in his heart.

It was all my own fault. I knew it.

But that doesn’t mean the anger will go away. I needed someone to vent my anger on. That person was Kang Si-hyeon.

“president.”

“······.”

“Sir, please approve this.”

“What? Why?”

I felt nervous as I looked at the documents the finance officer handed me.

“Do as you please. Are you an elementary school student? What kind of school is this?”

It was an innocent insult.

The executive bowed his head, thinking to himself.

‘If you were going to do everything on your own, you could do it yourself, too,’ he said. An unspeakable sense of resentment appeared on his face.

“I’m going out. I’m going to go get some money.”

He put on his jacket. No one asked.

I was thinking of going to see the water vendor.

‘I’m not dead. The day of revenge will come soon.’ With that thought, his eyes sparkled as he left the office. It was as if he was seeing Kang Si-hyeon right before his eyes.

‘My hard-earned money, 4 billion won. How much money is that?’

I gritted my teeth.

Of course, that money wasn’t his own. It was the investor’s money.

* * *

“4 billion?”

“yes.”

“Is that all you get? It’s too little. Double it.”

I said, three times better. I wasn’t joking.

“There’s no need for that, sir. This is a preliminary study by a bank that hasn’t even received preliminary approval yet. 4 billion won is enough as seed money.”

Even though Yang Seung-kwan refused.

There was a mid-term briefing session for the Cocoa Bank TF. I was with Seok Hyun-gon in the representative office.

To summarize, it was like this.

We will collaborate with Cocoa Alexis America (KAA) and prepare a machine learning-based credit rating model that will be applied to the loan screening of low and medium credit borrowers in the future. Is this kind of innovation one of the main evaluation criteria?

Of course, I don’t know the exact details.

I was just happy to spend money.

‘Spending money (loans) to spend money (model development), isn’t this the real innovation?’

It felt good for the first time in a long time.

Thanks to that, I was able to look at Seok Hyeon-gon with gentle eyes.

I am generous. I immediately forget my subordinates’ mistakes. It is a virtue of a superior. Somehow, it seems like he is slowly avoiding me, but it must be my imagination.

“Let me explain briefly next.”

Seok Hyun-gon opened his mouth.

“Please.”

“The traditional credit rating model has been based on financial information. Things like card performance and loan repayment history. The new credit rating model based on ML (machine learning) that we are developing this time is different. It utilizes various non-financial information such as utility bill payments and mobile commerce usage history, so anyone who is honest can use our Cocoa even if they have no credit······.”

“Chief Seok.”

I cut him off.

“······Of course, this information is made with the utmost care to prevent specific personal information from being identified in the dataset through techniques such as pseudonymization and aggregate processing······. Yes?”

He stopped talking. He heard me too late. His eyes shook.

“You don’t have to explain it at length.”

“sorry.”

“Not at all.”

I changed the subject.

“What other evaluation criteria are there?”

“The stability of capital increase is not something to worry about when considering Cocoa’s financial soundness, and at best, the appropriateness of the shareholder composition? There will be no problems anywhere.”

Yang Seung-kwan answered confidently.

“great.”

I like it. The report is finished.

That’s when an idea occurred to me. It was a great way to spend more than 4 billion.

I shouted ‘Eureka’ in my head.

“Chief Seok?”

Seok Hyeon-gon, who was trying to follow Yang Seung-gwan, was caught on my radar.

“Are you busy?”

“Oh, no. Aside from the report I gave you today, I don’t have any other plans······.”

“Can I give you one instruction?”

“Of course, sir.”

I thought I’d set an example first, so that no one would ever come up with an idea like ‘coin’ again.

“Although we are the first internet-only bank in Korea, the concept of a challenger bank has been around for over five years in the UK. It is the birthplace.”

“yes.”

“There is also a company in the UK that has created Alpha Duck together with us.”

“I know. It’s Alphamind.”

“You know a lot.”

I nodded.

“Then, did you catch what I said next?”

His eyes were wide with anxiety. There was no answer. I continued.

“I would like to develop another credit rating model using AlphaMind’s technology. I don’t mind paying any amount.”

“A credit rating model? That’s already······.”

“Again, the more models the better.”

I said firmly.

“Chief Seok, please take charge of this project. It is a separate project from Cocoa Finance. Leave immediately. To London.”

He opened his mouth wide.

This isn’t a random idea. This idea came from something I heard a while ago.

‘I was a frog in a well.’

This is the story of Blue Mobile’s Jinhyuk Su.

A source in the know has told us that despite spending 4 billion won in modeling fees, not even a single second of advertising was aired.

As expected, he is a pro at spending money. I respect him. Realization is not far away.

‘He knew everything.’

It’s simple.

All you have to do is pay the model fee (research fee) and not use the model.

This is also the case. It is not just the advertising model that is the model. Isn’t the credit rating model the same model? It is also very convenient to apply enlightenment.

Learning is completed through practice.

That’s why I sent Seok Hyun-gon on a business trip to London.

‘Thank you, Blue Mobile.’

It was a valuable lesson that could not be obtained with 4 billion won. I was deeply grateful to Jin Hyuk-soo.

That night, a complaint appeared on the Blind app.

— (Cocoa) No, is it true that you suddenly told me to go on a business trip to England?

A comment was posted.

– (New company) Is there a company that still goes back to such old-fashioned orders? Cocoa? Isn’t it just Cocoa in name?

– (Blue Mobile) Surely it’s not mercy?

– (New company) You’re saying you’re going on a business trip at your own expense? Are there companies like that? F*ck, even if it’s anonymous, let’s be serious.

– (Cocoa) Of course not… It’s too sudden. It’s a first class ticket, but isn’t it too much?

Suddenly the comments stopped.

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‘Why doesn’t anyone sympathize?’

I worked all day. I had to set up an Alphamind schedule and prepare materials in one day. I was tired. I couldn’t wait any longer. I held back tears and turned off my phone.

The next day, it was an early morning flight.

I had to get some sleep to get to the airport on time.

(Blue Mobile) We are Javinde. ㅠㅠ

I couldn’t see a single late comment.

* * *

A month has passed and it is already June.

[ Cocoa, New CDC Established. Groundbreaking Ceremony Held for Gangwon-do’s ‘2nd Cloud Data Center’ ]

The silver body of the Jaguar XE Land Rover Discovery ran coolly on the Yeongdong Expressway.

Reporter Kim Woon-taek was also excited.

“Our leader is a man who is always on the move. He goes everywhere in the country. That was when I was young.”

My mouth was watering the whole way.

“Manager Kim over there.”

In the end, Han Jang-soo got irritated. He looked like he had been woken up by Kim’s chatter.

“Yes, sir.”

“Would you please be quiet? I have something to tell you, sir.”

“Oh, yes. Of course. That’s right.”

Reporter Kim closed his mouth. Lee Jong-suk silently raised his thumb.

It seems that accompanying him for a whole week when he was forming the shareholders of the former Cocoa Bank helped him learn how to deal with him.

“Do you have something to tell me? What is it?”

“Oh, that’s right. So······.”

“What about President Hong?”

A manager who had been hesitating smiled brightly at my question.

“I’m going down first and supervising the on-site work. Since you’re in charge of this construction. By the way, have you seen the materials? I heard the governor is among the guests?”

Lee Jong-suk responded.

“It’s not just the governor. The vice minister of science and technology also came. President Hong took great care of it.”

“The protocol is no joke.”

“Politicians all think the same way.”

“According to President Hong, the congressman’s aides were calling him even in the early hours of the morning. They said they were trying their best to get him to give them even a single spoonful. If they had invited all of them, today wouldn’t have been such a mess.”

Lee Jong-seok sighed as Jo Wang-beom came to mind at those words.

‘President Hong has worked hard.’

I had a lot of thoughts too.

He put in a lot of effort. Of course, he spent a lot of money too.

The only thing that gave me strength while reading was Mr. Hong’s report. Banks and cloud were my last hopes. Other reports had a lot of results. I always felt bad when I saw the pluses on the screen.

Lim Kyung-jun’s investment report was the same.

‘What? You’re investing in China too?’

The Shanghai Stock Exchange was skyrocketing every day. Even the Korean and US markets were a headache, so I couldn’t stand China. As soon as I saw the report, I called and told them to sort everything out.

‘It’s a shame, sir.’

‘What’s the big deal? Just exit immediately.’

I just recently confirmed it with my own eyes. I took it all out. I felt completely refreshed. The morning breeze blowing through the open window was also refreshing.

One manager changed the subject to another story.

“The more I think about it, the more fortunate I feel.”

“What is it?”

“It’s a designation for large corporations.”

Lee Jong-suk’s eyes lit up.

“Wasn’t it just a small difference? It was just a stroke of luck that overseas subsidiaries weren’t included in the scale. Was it around 4.9 trillion won? It didn’t go through as if it was planned. Next time, it will be included without fail, but how can we make even a year of profit?”

There are more than one or two cumbersome things. There is also the obligation to disclose information, and you also get a tiresome title like the same person (group leader).

It’s all one-on-one work.

But Lee Jong-suk’s expression was subtle.

“We won’t be a big company next year either, Director Han.”

It was like he read my thoughts.

“why?”

“Because I’m going to make it happen.”

“I didn’t know that our CEO Lee was reaching out to the Fair Trade Commission. I didn’t know that. Haha.”

“Just wait and see. Am I wrong?”

But one manager just took it as a pointless joke.

“We will arrive at the rest area soon.”

Reporter Kim, who had been waiting for an opportunity to intervene, finally opened his mouth.

* * *

At the Gangwon-do Mocheo Cloud Center site, there was one person who was particularly busy.

“Sir, please come over here and take a look.”

“This is a call from the wiretapping. I think you should answer it.”

Hong Jeong-tae was in such a state that even ten bodies would not be enough. Each and every guest acted as if they were the president. It was so annoying that it was driving me crazy.

“Mr. Hong!”

Where do I find myself again? I sighed.

“road?”

It was Gil Jun-gyu, the CEO of Help Communications. He was also invited. He seemed to have quite the personality as a CEO.

“You came at a good time. Thanks to you, I can get some rest.”

It was nice to meet you.

“Chief Ahn! Please take care of the work for me. I’ll take care of this guy’s position and then leave.”

Hong Jeong-tae groaned as he sat down across from me with a cup of coffee in front of him.

“I’m dying. I’m dying.”

“You look busy.”

Gil Jun-gyu continued speaking.

“I had something to ask, but I guess I’ll have to postpone it for today.”

“What is it? Tell me quickly.”

“You’re busy, so you can’t burden me too. I’ll do it next time.”

“You’re going to do it anyway. Do it quickly.”

He shook his head, but eventually he began to speak cautiously.

To sum it up, it was like this.

Now that he has finally figured out the support work, he is planning to start the comic platform business in earnest. That is why he even came to the groundbreaking ceremony to ask for advice.

‘It’s nothing special.’

Hong Jeong-tae, who had been expecting a great story, was very excited.

“sun.”

Summarized in one word.

“No, it’s not as easy as it sounds······.”

“Do you watch YouTube?”

Suddenly, Hong Jeong-tae started talking about something else.

“······I don’t watch it often, but I do watch it sometimes. But why YouTube all of a sudden?”

“Do you know Jevla?”

“Of course I know. Is there anyone in our country who doesn’t know about J-Blah?”

“That Zebla belongs to Cocoa. Did you know that?”

“I know. But why?”

“Don’t you know when I recruited Jevla from Cocoa? You wouldn’t know that, would you?”

Gil Jun-gyu mumbled.

“It happened when we only had a few hundred subscribers.”

Hong Jeong-tae spoke bluntly.

“Do you know what I mean? Our Cocoa is a company that has to start with something that doesn’t make money. Cocoa Culture. I thought I had already adapted, but I wasn’t. Comics don’t make money? Then we have to start even more. CEO Kang Si-hyun is a person who can do that and more.”

Gil Jun-gyu gained confidence in himself.

‘Then maybe a novel too?’

While he was starting the comics business, he also planned to talk about the novel platform. The content IP platform empire that he couldn’t build when he was helping, that was his real plan.

At that moment, the curtain rose on an unprecedented crash at the Shanghai Stock Exchange.

[ (Breaking News) Shanghai Composite Index’s Rise Ends, Begins to Decline? ······ ‘A Period of Adjustment Will Come Soon.’ Major Stocks Including China Heavy Industries (CRRC) Fall 30-40%. ]

Lim Kyung-jun cleared his throat.

‘Wow, it’s a ghost. It’s a ghost.’

Unable to resist the torch of Representative Kang, the stocks that had been sold out were suddenly sinking one by one like bottomless ships.

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