데이터(DATA) 3법의 개정이 금융실무에 미치는 영향과 법적 개선방안에 관한 연구

Data has become a key resource driving innovation growth in the intelligence information society. With the advent of a hyper-connected society in which people and things continue in various ways, the transition to a data-driven economy is accelerating. It is necessary to induce innovation across all sectors of society by ensuring fair access to data and various uses. In this respect, the amendments to the Data 3 Act may be belated but can be evaluated as appropriate amendments. The revision of the Data 3 Act puts the task of leading financial innovation by developing new financial instruments and services in accordance with the opening of the testers and allowing transactions, and providing useful products or services to financial consumers. The use of the data is open to not only existing financial firms but also to various start-ups or FinTech companies, so development measures through mutual role sharing and partnership should be devised. On the other hand, as the issue of infringement of personal information is also increasing due to the emergence of an information society, proper harmony in the protection and use of personal information is needed. By strengthening the law-abiding monitoring system, financial firms will have to do their best to prevent damage to information leakage and others. The protection of the collection and utilization of data, etc., which is institutionalized by law as a sub-law of the Constitution, shall be designed within the constitutional limits and its functions shall be exercised. Further research is also needed on the legal issues of data trading and data utilization and utilization in real life.