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[Alpha Biz=(Chicago) Reporter Kim Jisun] Starting next year, those affected by voice phishing will be able to receive up to 50 percent of the damages without having to go through litigation procedures.
The Financial Supervisory Service signed an "agreement to promote the prevention of non-face-to-face financial accidents" with 19 local banks on the 5th and will compensate customers in accordance with responsibility-sharing standards if they are damaged by non-face-to-face financial accidents from January next year. According to the standard, the bank will determine the responsibility-sharing ratio and the amount of compensation to compensate for the damages of financial accidents in consideration of the bank's efforts to prevent accidents and the extent of the user's negligence in the event of a financial accident.
However, this procedure is not compulsory as it is carried out by the bank's autonomous compensation. Consumers can file for dispute settlement or file a lawsuit with the Financial Supervisory Service if they are dissatisfied with the liability-sharing ratio proposed by the bank.
In order to protect customers from electronic financial accidents, banks are required to sign up for 'electronic financial transaction liability insurance', but this does not compensate for voice phishing damage. In the case of voice phishing, it follows the Supreme Court's ruling that it is recognized as gross negligence of the customer. In other words, insurance companies' damage adjusters prioritize the general terms and conditions that do not compensate for damage caused by intentional or gross negligence of users rather than the special terms and conditions that compensate for voice phishing damage.
In particular, opposition voices are known to be loud in Internet banks. Unlike commercial banks, Internet banks, where financial transactions are conducted only non-face-to-face, have limited ways for bankers to prevent financial accidents early. Among them, Internet banks more than doubled last year to more than 20% of the total amount of voice phishing damage in the financial sector.
Alphabiz Reporter Kim Jisun(stockmk2020@alphabiz.co.kr)
