In South Korea, a quiet but consequential realignment is underway between digital-native banks and regional lenders, as rising bond yields push companies away from capital markets and toward bank financing. What began as cautious consumer-lending partnerships has matured into something more ambitious: joint programs targeting small businesses and sole proprietors, with each institution offering what the other cannot build alone. The arrangement reflects a broader truth about modern finance — that reach without expertise, or expertise without reach, is only half a bank.