금융포용 향상을 위한 비금융 대안정보 활용의 법적 쟁점과 과제

This study aims to improve systems to promote financial inclusion through alternative credit scoring system(ACSS) using non-financial information. For this purpose, recent trends in financial inclusion in the global context and domestic policies and market trends are reviewed. Specifically, the main research subjects include understanding the domestic and international phenomena of financial inclusion, analyzing the legal issues in utilizing alternative credit data for financial inclusion. The research show that the development of the digital economy shifts from traditional model of Credit Scoring System(CSS) to Alternative Credit Scoring System(ACSS) using non-traditional data sources (e.g., social media behaviors, mobile phone data, and purchase history records in online marketplaces), which helps people who have insufficient credit history to create their credit score. Consequently, ACSS is identified as a key competitive advantage in enhancing financial inclusion. Additionally, the revision of related laws are necessary, and institutional improvement should be established to allow a number of fintech companies to participate in the ACSS, thereby further enhancing financial inclusion.