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EU PSD2 Open Banking → Korea MyData & Open Banking

BProbable echo
Evidence tier

Echo patterns are similarity-based hypotheses, not proof of causation. Open the sources and evaluate the linkage yourself.

Evidence Scorecard

A single score cannot prove an echo. This card triangulates semantic, temporal, and linkage evidence.

Probable echo
Semantic
Strong semantic alignment
Temporal
Global precedent precedes Korea
Linkage
Official Korean agency source + concept alignment (no explicit citation recorded)
Tier B — Probable echo — agency/committee linkage + global-first timing + semantic signal
Multilingual semantic similarity
cosine similarity (method detail)0.833

Computed with intfloat/multilingual-e5-small multilingual embeddings. Display score is a calibrated mapping of the raw cross-lingual cosine (0.833); higher means closer meaning. Reflects semantic similarity, not proof of causation.

Aligned sentences

EU Directive 2015/2366 (PSD2), adopted 25 November 2015, requires banks to grant licensed third-party providers open API access for account information aggregation (AISPs) and payment initiation (PISPs), establishing the legal foundation for open banking across EU member states.

aligned

동 개정법은 제2조(정의)에 본인신용정보관리업자 개념을 신설하고, 제4조(허가)에 금융위원회의 허가 요건을 규정하며, 제33조의2(개인신용정보의 전송요구권)를 신설하여 정보주체가 금융회사 등에 대해 자신의 개인신용정보를 본인신용정보관리업자에게 전송할 것을 요구할 수 있는 법적 권리를 부여함으로써, EU PSD2의 AISP(계좌정보서비스업자) 및 PISP(지급지시전달업자) 틀에 상응하는 데이터 이동권 체계를 법제화하였습니다.

Could also be…

  • •Parallel domestic policy development is possible.
  • •Industry or market pressure may have driven similar language.
  • •A common external shock (e.g., financial crisis, pandemic) could explain parallel adoption.

Interrogate the Evidence

Answers are rendered directly from this record’s own curated fields — nothing is generated.

Bprobable echo · 80%

  • SemanticStrong semantic alignment
  • TemporalGlobal precedent precedes Korea
  • LinkageOfficial Korean agency source + concept alignment (no explicit citation recorded)

Matched concepts: payment initiation ↔ 신용정보; account information ↔ 본인신용정보; third-party providers ↔ 마이데이터

Cross-lingual similarity 64/100 (multilingual e5 embedding) — a computed signal, not proof.

Similarity type: regulatory emulation

Matched Concepts

3 pairs
payment initiation
↓
신용정보
account information
↓
본인신용정보
third-party providers
↓
마이데이터
Original (Global)

EU Directive 2015/2366 (PSD2), adopted 25 November 2015, requires banks to grant licensed third-party providers③ open API access for account information② aggregation (AISPs) and payment initiation① (PISPs), establishing the legal foundation for open banking across EU member states.

Echo (Korea)

한국은 2019년 10월 시범 출시 후 2019년 12월 18일 금융결제원 주관의 오픈뱅킹 서비스를 전면 시행하였으며, 이어 2020년 2월 4일 공포된 법률 제16957호 「신용정보①의 이용 및 보호에 관한 법률」 개정(2020년 8월 5일 시행)을 통해 본인신용정보②관리업(마이데이터③) 제도를 도입하였습니다. 동 개정법은 제2조(정의)에 본인신용정보②관리업자 개념을 신설하고, 제4조(허가)에 금융위원회의 허가 요건을 규정하며, 제33조의2(개인신용정보①의 전송요구권)를 신설하여 정보주체가 금융회사 등에 대해 자신의 개인신용정보①를 본인신용정보②관리업자에게 전송할 것을 요구할 수 있는 법적 권리를 부여함으로써, EU PSD2의 AISP(계좌정보서비스업자) 및 PISP(지급지시전달업자) 틀에 상응하는 데이터 이동권 체계를 법제화하였습니다.

Echo Strength

sourceVerified
hasKoreanSource
hasGlobalSource
hasDate
keywordDiversity
agendaTags
Origin
EUOECDFSBG20BIS
Timeline

2015 global instrument → 2019–2020 Korean enactment/action

regulatory emulation

Regional DiffusionJP · TW · SG · CN

Mixed
▶
🇸🇬2016
🇯🇵2017
🇰🇷2019
🇹🇼2019
No echo🇨🇳 China

Singapore 2016 / Japan 2017 lead; Korea & Taiwan 2019; China opts out

Sources

🌍eur-lex.europa.eu
🇰🇷국가법령정보센터 · 신용정보의 이용 및 보호에 관한 법률 (법률 제16957호)

Related Patterns

EU MiFID II / IOSCO → Korea Financial Consumer Protection Act

EUOECDFSBG20
P(B|A) = 66%temporal
28%

G20/OECD Corporate Governance Principles → Korea Commercial Act & Stewardship Code

OECDFSBG20
P(B|A) = 45%category
20%

Basel III LCR (Liquidity Coverage Ratio) → 은행업감독규정 (FSC/FSS Liquidity Rules)

FSBBIS
P(B|A) = 53%category
17%

Basel III NSFR (Net Stable Funding Ratio) → 은행업감독규정 (FSC/FSS Stable Funding Rules)

FSBBIS
P(B|A) = 58%temporal
17%

Basel III Leverage Ratio → 은행업감독규정 (FSC/FSS Leverage Ratio Rules)

FSBBIS
P(B|A) = 58%temporal
17%

Basel III Large Exposures Framework → 은행업감독규정 (FSC/FSS Large Exposure Limits)

FSBBIS
P(B|A) = 58%temporal
17%

Corporate Sustainability Reporting (CSRD-style)

EUOECD
17%

OECD Pillar One (Digital Tax) → Korea

OECDG20
16%

Consumer Product Safety & OECD GlobalRecalls

OECDEU
P(B|A) = 52%category
16%

OECD CRS Automatic Exchange of Tax Info → Korea 국제조세조정법 §36

OECDG20
P(B|A) = 32%agenda
16%

OECD/G20 Pillar Two Global Minimum Tax → Korea 국제조세조정법 글로벌최저한세

OECDG20
16%

EU DAC6 Mandatory Disclosure Rules → Korea Tax Avoidance Reporting

EUOECD
P(B|A) = 27%agenda
16%

EU GDPR Data Subject Rights → 개인정보보호법 시행령 (PIPA Enforcement Decree)

EUOECD
P(B|A) = 57%temporal
16%

GDPR Art. 33–34 Breach Notification → 개인정보보호법·PIPC 고시 (PIPC Breach Notification Rules)

EUOECD
P(B|A) = 57%temporal
16%

GDPR Chapter V Cross-Border Data Transfers → 개인정보보호법·PIPC 국외이전 고시 (PIPC Cross-Border Transfer Rules)

EUOECD
P(B|A) = 57%temporal
16%

GDPR Art. 35 DPIA → 개인정보보호법·PIPC 영향평가 고시 (PIPC DPIA Guidance)

EUOECD
P(B|A) = 57%temporal
16%

Green Taxonomy / K-Taxonomy Classification

EUOECD
13%

AI Transparency & Generative AI Labeling

EUOECD
13%

EU REACH / GHS → Korean K-REACH & Chemicals Control Act

EUOECD
13%

UN Global Plastics Treaty (INC) → Korea Plastic Reduction Policy

OECDG20
13%

OECD Anti-Bribery Convention → Korea Foreign Bribery Act & Enforcement Gap

OECDG20
11%

OECD MNE Guidelines / RBC → Korea National Contact Point & Due Diligence

OECDG20
11%

UN Guiding Principles on Business & Human Rights → Korea NAP

EUOECD
11%

IAIS Insurance Core Principles / ICS → Korea Insurance Act & K-ICS

FSBG20
P(B|A) = 38%agenda
11%

BIS Innovation Hub → Korea Fintech Regulatory Sandbox

BIS
11%

OECD Tax Administration 3.0 → Korea Digital Tax Administration (Hometax)

OECD
10%

Semantically Related

Closest patterns by multilingual embedding (e5) — conceptual similarity beyond shared keywords. A computed signal, not a sourced claim.

World Bank Universal Financial Access → Korea Financial Inclusion & MyData

Finance

cos 0.90

EU MiFID II / IOSCO → Korea Financial Consumer Protection Act

Other

cos 0.89

CPMI-IOSCO PFMI → Korea BOK Payment System Oversight

Finance

cos 0.89

FAO Port State Measures (IUU fishing) → Korea Distant Water Fisheries Act

Other

cos 0.89

FATF Travel Rule & Korea Virtual Asset AML Framework

Finance

cos 0.88

EU GDPR (2016/679) → 개인정보보호법 GDPR 상응 체계

Other

cos 0.88
Keywords
PSD2open bankingPayment Services Directiveaccount information servicepayment initiationAISPPISPMyData마이데이터오픈뱅킹본인신용정보관리업신용정보법개인신용정보 전송요구권금융위원회금융결제원데이터 이동권open APIfintech regulation
Score Guide
Confidence — Editorial judgment, now shown as a confidence tier (A–D) based on semantic, temporal, and linkage evidence. Not proof of causation.
Echo Strength — Metadata completeness score. Rewards verified sources, paired links, explicit dates, keyword diversity, and origin tags.
Vocabulary Overlap — Heuristic score measuring shared tokens between global and Korean texts. Reflects loanwords and repeated terms, not meaning across languages.
PATTERN #psd2-mydata-1