금융서비스분야에서 플랫폼비즈니스의 법적 이슈 및 앞으로의 과제 -횡단적 규제체계, 오픈뱅킹을 중심으로-

With the emergence of various types of online platform providers, these days problems previously unexpected are emerging. As a result, legislative efforts have been made to resolve the issue, but, ironically, discussions have been made just on consumer protection. As suggested in the paper, the emergence of online platform businesses has formed a new legal relationship between suppliers and online platform providers as well as their customers. In Korea, the Act on the Consumer Protection in Electronic Commerce provides a separate provision for the online consumer protection. The Act prescribes the online platform providers as an e-commerce seller or an e-commerce intermediary and regulates them. On a account of the rapid growth of information and communication technology, significant changes can be seen in the environment surrounding finance. Moreover, now that the status of financial institutions and services is greatly changing, it remains an important task for the financial system to keep up with such changes. In which case, the question is how to establish the relationship between the online platform providers and the regulation under the current Financial Law. Considering that the online platform market will become more active in the long run, those issues should be discussed as soon as quickly. Recent advances in information and communication technologies have made it possible for users to smoothly receive financial products and services online. Therefore, the purpose of the dissertation is to review the appropriate regulations for the financial intermediaries who provide one-stop services with online in mind for a variety of products and services offered by multiple industries and financial institutions in the light of promoting innovation and realizing a convenient open banking.