A small correction: KakaoTalk is not an "all in one" app like WeChat. The main chat app does contain anciliary features such as gifting that enabled this exploit, but you can't call a taxi on KakaoTalk, you do that on Kakao T, a mobility app that also offers rental scooters, e-bikes, and train and flight booking. Similarly, even though the messenger app does have integration with its payment platform (cleverly named KakaoPay), the service itself lives in a dedicated app. It's like Google on Android where you could access bunch of services with one central ID, which I presume is why their apps have so many access points: they need it for themselves.
> 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.
