[마이데이터 임원리포트]_마이데이터 서비스 연구개발 패러다임 제안

■ 요약

마이데이터 서비스는, 고객동의 획득 →데이터의 수신 →서비스의 제공의 순서로 이루어지며 서비스를 제공하는 마이데이터사업자가 고객동의를 받지 못하면, 마이데이터 서비스는 서비스 제공 불능 상태에 빠지게 된다. 이 고객동의를 받기 위해 지난 5년간 사업자들은 서비스 본질보다는 마케팅 활동에 집중했다. 정책기관, 금융위원회의 ‘마이데이터 2.0’이라는 제도는 마이데이터사업자들의 고객동의를 받는 비용을 줄여주었다.  한편 고객들은 서비스에 대한 긍정적 후기를 남기기보다는 서비스 탈퇴에 대한 정보성 포스팅을 올리며, 좋은 마이데이터 서비스가 없다는 말을 대신하였다.  이런 과정 속에 업계에 누적된 약 3200억원의 적자는 마이데이터 사업자 리더들에게 사업지속에 대한 고민을 안겨준다.  최근 개인정보보호위원회가 주도하는 ‘전 분야 마이데이터’의 정책들은 마이데이터 사업은 포기하지 말아야 할 미래 사업이라고 암시한다.  이러한 상황하에 리더들에게 마이데이터 사업의 지속을 위한 마이데이터서비스 연구개발 중심의 메커니즘을 제안한다.

[마이데이터 임원리포트]_마이데이터 서비스 연구개발 패러다임 제안_202608_마이데터서비스컨설팅_.pdf

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■ Executive summary

MyData service runs in the sequence of obtaining customer consent → receiving data → delivering the service, and if the MyData operator providing the service fails to obtain customer consent, the MyData service becomes unable to deliver the service. To obtain this customer consent, over the past five years operators focused on marketing activities rather than on the substance of the service. The framework introduced by the policy authority, the Financial Services Commission, under the name ‘MyData 2.0’ lowered the cost to MyData operators of obtaining customer consent.  Meanwhile, rather than leaving positive reviews of the services, customers posted how-to articles about withdrawing from them, in effect saying that there is no good MyData service.  Amid this, the roughly KRW 320 billion in accumulated losses across the industry has left leaders of MyData operators questioning whether to continue the business.  The recent policies on ‘MyData across all sectors’ led by the Personal Information Protection Commission suggest that MyData is a future business that should not be abandoned.  Under these circumstances, we propose to leaders a mechanism centred on MyData service R&D for sustaining the MyData business.

[MyData Executive report]_MyData service RnD Paradigm_202608_MyDataServiceConsulting.pdf

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