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[한국금융신문 김경찬 기자] Kakao Pay, Samsung Card, and Kyeongnam Bank, which were missing from the My Data (personal credit information management business) license, have stopped asset management and asset inquiry services that were provided by scraping.
On the 27th, the Financial Services Commission announced 28 companies that passed the main license for My Data. Many companies such as banks, credit card companies, and Naver Financial were included, but Samsung Card was excluded from the four major card companies, Naver was included, but Kakao Pay was excluded.
Samsung Card, Hana Bank, Hana Financial Investment, Hana Card, Finck, and Kyeongnam Bank were excluded due to the issue of eligibility for major shareholders. Although I requested, it was put on hold because I did not receive a reply.
From February 5th, even though the My Data business was converted to a license system and provided similar services, companies that did not obtain this license will not be able to operate the service. Only 28 companies with this license can provide my data services by constructing a standard API, so companies excluded from the My Data license are restricted from using the scraping method.
Kakao Pay announced that it will stop the asset inquiry service from February 5. Due to the suspension of the asset inquiry service, integrated inquiries such as banks, cards, investments, insurance, and loans are not possible, and among financial report services, banks, cards, cash receipts, and investment-based information cannot be provided.
In the case of Samsung Card, Samsung Life, the major shareholder, was subject to severe disciplinary action by the Financial Supervisory Service’s Sanctions Deliberation Committee, and MyData itself was removed from the list due to the problem of eligibility for the major shareholder, and some services were suspended.
Samsung Card’s My Home asset inquiry service is a service that allows customers to search their financial assets such as deposit accounts, cards, cash receipts, loans and insurance at once, and has been providing services since last year.
The Financial Services Commission said, “In the case of companies that have not obtained permission, we will minimize consumer inconvenience through partnerships with My Data licensed companies,” but in particular, Kakao Pay has a large amount of inconvenience as the asset inquiry service has more than 15 million users. Seems to result.
In addition, there is a controversy in the industry about the fairness of my data screening. According to the Credit Information Act, if the majority shareholder who owns more than 10% of the company’s stake is in proceedings, it is pointed out that the standard is ambiguous.
The financial authorities plan to form a task force (TF) next week to consider ways to improve the review suspension system. Through this, it is expected that companies excluded from My Data’s own price will be able to remedy the My Data business.
Reporter Kim Kyung-chan [email protected]