This episode covers NongHyup banking services to improve financial access for members and expand its influence on financial sector in the 1990s. Key initiatives included enhancing farmer savings programs, simplifying loan processes, improving banking infrastructure through online systems and expanding into the nationwide treasury management of local and regional governments. These actions were driven by a need to modernize, support farmers during economic hardship (especially the 1997 Asian Financial Crisis), and increase the organization's overall standing. The success of these efforts significantly boosted NongHyup's financial position and strengthened its role as a vital institution within the Korean agricultural sector.