한국전자거래학회지 (The Journal of Society for e-Business Studies)

  • 제24권4호
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  • Pages.79-107
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  • 2019
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  • 2288-3908(pISSN)
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  • 2765-3846(eISSN)
한국전자거래학회 (Society for e-Business Studies)
권호 표지
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개정된 유럽연합 지급결제서비스지침의 보안위험에 대한 제도적인 대응과 관련 국내 전자금융 규제와의 비교 연구

Comparison Study between Institutional Response to Security Risks of the EU's Revised Payment Services Directive and Domestic Electronic Finance Regulation

  • Kim, Hyun Boo (Graduate School of Information Security, Korea University) ;
  • Kim, In Seok (Graduate School of Information Security, Korea University)
  • 투고 : 2019.10.02
  • 심사 : 2019.11.12
  • 발행 : 2019.11.30
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초록

전통적으로 은행 등 금융기관은 자신이 관리하는 고객의 계좌와 정보를 이용하여 지배적인 위치에서 금융서비스를 제공하여 왔다. 최근 유럽연합은 지급결제서비스지침을 개정하여 고객계좌에 대한 접근과 계좌 관련 정보의 제공을 제3자에게도 허용하는 것을 제도적으로 보장하여, 금융시장에서 경쟁을 촉진하고 혁신을 도모하고 있다. 그렇지만 이러한 변화는 잠재적인 보안위험을 증가시킬 수 있으며, 따라서 신·구 시장참여자 모두가 금융시장에서 보안위험에 적합하게 대응할 수 있도록 금융당국의 제도적인 대응이 요구된다. 본 연구에서는 유럽연합의 새로운 지급결제서비스지침(Payment Service Directive, PSD2)에서 확인할 수 있는 보안위험에 대한 제도적 대응을 분석하고 이를 국내의 전자금융규제와 비교·분석하여 시사점을 도출함으로써 국내 전자금융규제의 개선 방향을 제안하고자 한다.

Traditionally banks and other financial institutions use customers' accounts and information managed by them and provide payment services in dominant positions. Recently, EU amends Payment Services Directive to institutionally guarantee access to customers' accounts and use of account-related information even to third parties, which facilitates competition in financial markets and promotes innovation. However, this kind of change can increase potential security risks and therefore institutional responses from financial authorities are required so that all participants in financial markets can properly respond to security risks. In this study institutional responses to the security risks in the EU's new Payment Services Directive (PSD2) are analyzed, comparisons between this and domestic electronic financial regulations are analyzed, and implications for the direction of improving domestic electronic financial regulations will be suggested.

키워드

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