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friendly economy, reporter Kwon Aeri will be on vacation Monday and Tuesday with reporter Jung Da-eun of the Ministry of Economy.

Reporter Jung, there are many people who use this simple payment system because of convenience, such as Naver Pay or Kakao Pay.

<Reporter>

Yes, the convenience payment and the increase in online transactions or telecommuting to Corona 19 are increasing the scale of simple payments.

The rate of increase is quite rapid, but the average daily transaction volume of simple payments has exceeded 160 billion won in three years from 25 billion won in 2016.

In this way, the market continues to grow, but the related laws and systems are even before smartphones become popular. Since its creation in 2006, there have been no major changes.

So, the government is pushing for amendments to the law to increase the convenience of consumers. The most noticeable change is to enable payments from simple payments up to 300,000 won.

Like a credit card company, it allows a kind of foreign trade, but if you buy a 500,000 won product, you will pay 200,000 won first with Naver Pay, and the insufficient 300,000 won will be paid by the payment date of the next month.

In fact, card companies have opposed it. It starts with a small amount and can go up anytime.

Therefore, installments or cash services provided by the existing card industry are not permitted.

It seems to be useful for students or beginners who have difficulty in issuing cards because it is difficult to prove their repayment ability to the card company.

In addition, the prepaid charge limit has been increased from the current 2 million won to a maximum of 5 million won. This increase in limit means that not only shopping malls, but also household appliances and travel products can be paid.

<Anchor>

It is good to be convenient and autonomous, but it seems important to prevent accidents.

<Reporter>

Yes. As the accredited certificate is abolished, the means of authentication become simple and diverse, and safety is an important issue if the charging limit is increased.

The government is planning to entrust prepaid charges left by customers such as Naver, Kakao, and Coupang to external organizations such as banks or to sign up for insurance coverage.

Also, if these e-financial businesses fail, they have decided to introduce a reimbursement right to return the money that consumers have left.

In the event of a financial accident, the responsibilities of e-bankers and financial companies also expand.

Recently, consumers' anxiety has increased in electronic financial transactions due to the occurrence of fraudulent payments in Toss and Kakao Bank, etc.In the past, accidents asking financial companies for liability have counterfeited, altered or hacked the access medium like cloning a public certificate. It was limited to.

In the future, responsibility will expand to'all fraudulent payments' that are not allowed by customers. In addition, the customer had to prove the accident, but now the financial company needs to reveal the process.

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these new operators continue to enter the financial industry, it seems that they will find it difficult to eat and live with existing financial companies.

<Reporter>

Yes. As the entry of large IT companies into the financial industry gradually expands, it is bound to threaten the profitability of'traditional financial companies' such as banks and cards. Therefore, expansion of business areas of financial companies is also promoted.

The bank agency system is one of them, and refers to a system in which a business other than a bank represents or brokers banking.

It means that you can operate a'bank agent' at savings banks, department stores, large marts, and convenience stores.

Even if you don't have to go to the bank, you can sign up for savings while shopping in a department store or mart.

From the bank's point of view, the sales outlets are widening, and the distributors have the effect of attracting customers.

As an example, the convenience store CU is conducting a re-tech promotion that saves the change to the broker's account.

Every time you make a payment with the card registered in the app, the amount of change of less than 1,000 won is automatically accumulated in the app.

For example, if you pay 2,000 won and buy a 1,200 won coffee, 800 won is accumulated in the app, and the collected money is automatically transferred to the linked account every week.

It's a little'refreshing a little bit' in life.

If the banking agency system is implemented, the collaboration between the distribution industry and the financial industry is expected to increase.