금융상품 판매채널로서의 금융플랫폼

Recently, Fintech has become more active, and financial platforms have emerged that allow you to view a variety of financial products from a single site or app. Initially, startups like Bank Salad and Toss were the main financial platforms, but big IT companies like Kakao and Naver are also expanding. In particular, major IT companies are expected to enter the financial sector with financial platforms, and conflict with the traditional financial industry is expected. The term “financial platform” is often used by financial supervisory authorities, financial companies, and the mass media, but research on the methods of business activities, specific modes of conduct, and legal regulations is lacking. In addition, it is difficult to predict how a financial platform will develop in the future, as the specific legal relationship of the financial platform varies according to fiscal conditions, human resources, business direction, etc. According to the current regulatory system, financial platforms mediate or represent sales of financial products through electronic transactions, but they do not fall under the category of electronic finance companies under the Electronic Finance and Exchange Law, and they are only sales channels under the provisions of individual laws. In other words, there are no appropriate regulations in comparison with the substance and functioning of the financial platform, and institutional supplementation is necessary.