핀테크 관련 국내법제의 현황과 과제

"Fintech" is a combination of Finance and Technology, dealing with the new IT technology related to financial services. The recent finance and technology coined Fintech has emerged as a major concern. The key point of Fintech is trying to provide a convenient financial service differentiated from our traditional financial transation by the ICT technology. We must improve the laws to enable the FinTech Industry. First, Identity verification system has been improved through deregulation. Second, Crowd funding is used for diverse meanings in practice. However, there is a lack of research on its operating mechanism as an alternative fundraising tool for the SMEs. Therefore, Therefore, it is necessary to improve the crowdfunding system. Third, as commercial companies using Big Data, one of the most common legal issues will be customers' privacy and protection of personal information. And forth, big data is closely related to customers and other interesting parties. Nevertheless, the scope of the current study is limited to utilization of Big Data by commercial companies and privacy or personal information protection. Therefore, it is necessary to revise the Personal Information Protection Act. In this article, with these issues in mind, I would like to explore the status and problems of the Acts about Fintech in our nation. And then, I would try to examine improvement of the Acts about Fintech in Korea.