영국법제상 결제서비스에 관한 규제 및 검사·감독-전자화폐를 포함하여

This paper provides mainly an analysis of the regulation, inspection, and oversight of payment services under United Kingdom (UK) legislation. Payment services include the work of electronic money handling agencies as well as payment services themselves. To regulate this business, the UK established in 2017 the Payment Services Regulation 2017 (PSR2017) and in 2011 the Electronic Money Regulation 2011 (EMR2011). The 2017 Payment Services Regulation is a UK law under the European Commission's Payment Services Directive 2 (PSD2), with provisions relating to payment services and payment institutions. In the UK, if a financial institution wants to provide services related to payment services and electronic money at the same time, it can make one application instead of submitting separate applications for approval for each business unit. In terms of capital requirements and customer protection requirements, common principles are set forth in the payment service regulations and electronic money regulations regardless of the services to be operated. However, there are separate rules and orders for conduct regulations. In this regard, in principle the UK has comprehensive regulations on payment services, while some regulations, such as conduct regulations, are separated by service type. Supervisory authority is divided depending on the type of work into the Financial Conduct Authority (FCA) and the Payment Systems Regulators(PSR). Meanwhile, the UK’s regulatory framework is working to advance the FinTech industry by reducing customer services costs and increasing convenience. In this respect, the UK regulatory oversight method may have much to suggest for Korean legislation.