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The Financial Services Commission announced on the 22nd that financial consumers will be able to use the MyData (personal credit information management business) service, which is a’financial secretary in the hand’ from August.
My Data is a service that helps manage assets and credits by collecting and displaying scattered personal credit information in one place, analyzing financial status and consumption patterns, and recommending suitable financial products.
The Financial Services Commission granted the main permit for My Data to a total of 28 companies through a regular meeting last month. Existing banks as well as fintech companies such as Viva Republica (Toss) and Naver Financial also obtained the original license.
The Financial Services Commission plans to provide services through standard API (application program interface) to my data providers starting on August 4th.
Existing my data providers have been evaluated for their security vulnerabilities by collecting credit information and showing it to customers through a’screen scraping’ method that reads the screen after logging in to a financial company website on behalf of customers.
From August, based on the data subject’s right to request transmission, my data service providers receive data scattered across financial institutions through data standard APIs. It is a more secure method than scraping, which has a security vulnerability.
The Financial Services Commission also established guidelines for My Data to ensure consumer information sovereignty and to help participating companies prepare services smoothly.
The guideline contains detailed information on the scope of information provision, operational procedures and legal obligations and matters to be noted.
The scope of information provided includes deposits, savings accounts, loans, investment products (loans, receipts, and financial investment), subscription products, loans (insurance), monthly usage information, card loans, points (cards), prepaid issuance information, transaction details, and order details. Information (electronic finance), etc.
In particular, electronic finance order information is available in 12 fields (home appliances/electronics, books/stationery, fashion/clothing, sports, cosmetics, children/infants, food, life/furniture, travel/transportation, culture/leisure, food, e-coupon ·Other).
To protect consumer rights, customers can easily withdraw from service membership, and credit information stored on the platform is completely deleted when withdrawing.
The Financial Services Commission has also set up a’My Data Support Center’ at the Korea Credit Information Service to resolve industry difficulties. The My Data Support Center will receive opinions on customer complaints and disputes through the comprehensive portal website and Task Force (TF) to support prompt resolution, and the Task Force (TF) will be operated from March.
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