AI와 법적환경 변화연구 -온라인플랫폼을 통한 보험판매를 중심으로-

Online platforms have already occupied a significant portion of the e-commerce space today, thereby causing the need to properly regulate online platforms in the business environment. Currently, the Korean National Assembly is making legislative efforts to address this issue by enacting a single Act on online platforms or by significantly revising the Korean e-commerce law. The Korean financial supervisory authority has also announced that it will no longer stand by on the promotion of various financial products through online platforms and will apply regulations that are more in line with reality under the Korean Financial Consumer Protection Act. While artificial intelligence is extensively used to operate algorithms running on online platforms, problems such as manipulation of search results or discriminating consumers unfairly are increasing day by day. However, despite the need to properly regulate artificial intelligence installed on online platforms, there seems a long way to go yet in Korea. The recently announced “AI Guidelines in the Financial Field” seem to focus mainly on establishing an internal governance in financial companies that use artificial intelligence, but do not present the enough principles for the rule and design of artificial intelligence. The current bills to address the online platform issues proposed to the National Assembly are only to include the main principles that determine the search and arrangement order in the terms and conditions, and remain silent on what principles the AI ​​should have in the operation of algorithms. As artificial intelligence installed on online platforms becomes more sophisticated and large-scale data processing becomes possible, the risk of artificial intelligence itself may gradually increase. Therefore, follow-up discussions are needed to check the overall AI and to make more appropriate disciplines according to the nature of AI.