로보어드바이저 테스트베드의 유용성 강화를 위한 법적 연구

Artificial Intelligence based physical devices and Smart Advice are expected to grow rapidly in the next few years as commercialized technologies. In particular, with the growth of artificial intelligence technology, Robo-Advisor is attracting much attention in the field of financial investment all over the world. The growth of Robo-Advisor is attributed to the paradigm shift of the financial market environment due to the economic environment change due to the low interest rate trend and the development of IT technology. In keeping with these changes, investors have become increasingly preoccupied with Robo-Advisor as a new way of managing assets. In the early days of introduction, Robo-Advisors is undergoing institutional and policy efforts and various technology development and convergence. Considering this point, continuous monitoring of technology related to Robo-Advisor and research on various regulation techniques is a matter that needs continuous efforts. However, in order to realize the value of securing the usefulness of the financial market and the security of the transaction, it is desirable to pursue harmonious endeavors so that there is no conflict. The innovation and regulatory direction of the Robot-Advisor should be accompanied by promotion and support in order to enhance its usefulness according to autonomy. In order to identify safety standards and responsibilities, clear pre-regulations are needed, and unfair trade and market-order disturbances are made possible through ongoing management and control through strong regulation. Finally, In order to enhance the usefulness of the Robo-Adviser, it is necessary to suggest ways to lead the activation of the Testbed, which utilizes various regulation techniques based on the basic principles for maintaining market order and promotes the technology. These measures can prevent economic losses and investor confusion due to regulatory uncertainties.