금융규제 샌드박스 기간 내 디지털 금융서비스 보안사고 법적 책임에 관한 연구

The concept of a financial regulatory sandbox was first introduced in 2016. The reason why the UK introduced a regulatory sandbox in the financial sector was, first, to promote innovation. The goal was to accommodate rapidly evolving financial technologies and provide a space where innovative fintech companies could safely test new ideas. Second, regulatory flexibility. There is a perception that existing strict financial regulations can hinder the introduction of new technologies and business models. Third, consumer protection. The purpose was to assess in advance the impact of new financial services on consumers and prepare necessary protective measures. Following the success of the UK’s FCA’s regulatory sandbox, this concept quickly spread to other countries, with major countries introducing regulatory sandbox systems to promote fintech innovation in their countries. However, digital financial service security incidents may still occur even during the financial regulatory sandbox period, and if a digital financial service security incident occurs within this period, there is a legislative vacuum as to who will be responsible. Accordingly, in this study, amid such concerns, we will consider the possibility of security incidents occurring within the financial regulatory sandbox period and propose a plan to amend the Special Act on Financial Innovation Support to protect consumers.