Change from existing written inspection to on-site inspection
The Financial Supervisory Service has begun on-site inspections of Naver Pay and Toss. This is to determine the status of other simple payment companies, as there is controversy over Kakao Pay transferring personal credit information to China’s Alipay without customer consent.
According to the financial sector on the 26th, the Financial Supervisory Service changed the written inspection of Naver Pay and Toss to an on-site inspection starting today.
A Financial Supervisory Service official said, “Since there are only a limited number of areas related to computer systems that can be confirmed through written inspection, we have begun on-site inspections starting today.”
Earlier, the Financial Supervisory Service began conducting written inspections of major domestic simple payment companies that mainly handle overseas payments, such as Naver Pay and Toss, on the 14th.
We have only been inspecting Kakao Pay so far, but we are looking into whether other related companies have similar issues, such as violations of the Credit Information Act.
According to data submitted by the Financial Supervisory Service to the office of People Power Party lawmaker Kang Min-guk, the Financial Supervisory Service discovered the leak of personal credit information from Kakao Pay while conducting an on-site inspection of the overseas payment sector of a payment gateway (PG) company following the incident of foreign currency remittances by banks.
At that time, the Financial Supervisory Service selected Kakao Pay, Hanpass, and Wirebarley as inspection targets. The Financial Supervisory Service selected one large, one medium, and one small company each as inspection targets, considering the business scale of 63 PG companies registered with the government.
According to the Financial Supervisory Service’s inspection results, only Kakao Pay was found to have provided personal credit information to third parties without customer consent, while Hanpass and Wirebarley were pointed out to need improvement in internal control, such as insufficient reporting to the foreign exchange computer network.
Rep. Kang Min-guk emphasized, “There is a high possibility that there will be more cases of unconsensual personal information leaks through Alipay,” and “The Financial Supervisory Service and the Personal Information Protection Commission should work together to conduct a thorough comprehensive inspection of all foreign exchange transaction handling institutions (PG companies).”
The Financial Supervisory Service is closely looking into whether there has been a violation of Article 23 of the Credit Information Act.
According to Article 23, Paragraph 4 of the Credit Information Act, when providing personal credit information, the recipient must confirm whether the individual has consented to the provision and use of credit information. In addition, the recipient of personal credit information must not provide the information to a third party.
The Financial Supervisory Service plans to impose strict sanctions if any cases of unauthorized provision of personal credit information, such as Kakao Pay, are discovered during this inspection.
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2024-08-26 18:09:38