Skip to content
Finance

EU PSD2 open banking → Korea open-banking payment APIs → Financial Services Commission

금융위원회

BProbable echo
Evidence tier

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

Evidence Scorecard

Three lenses — wording, timing, documented link. Not a single proof score.

Probable echo
Semantic
Moderate keyword/concept overlap
Temporal
Global precedent precedes Korea
Linkage
Official Korean agency source + concept alignment (no explicit citation recorded)
Could also be…show
  • •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.

Timeline of the echo

4 year lag
  1. Global

    2015

    EU

    eur-lex.europa.eu

  2. then Korea
  3. Korea

    2019

    전자금융거래법

    law.go.kr

First Korean mention오픈뱅킹·전자금융거래법

From date field: 2015 PSD2 → Korea open-banking framework · 2015–2026

Interrogate the Evidence

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

Bprobable echo · 74%

  • SemanticModerate keyword/concept overlap
  • TemporalGlobal precedent precedes Korea
  • LinkageOfficial Korean agency source + concept alignment (no explicit citation recorded)

Matched concepts: account-information services ↔ 조회 서비스; payment initiation ↔ 출금이체·지급개시

Cross-lingual similarity 4/100 (heuristic fallback) — a computed signal, not proof.

Similarity type: EU PSD2 open banking → Korea open-banking payment APIs | account-information services → 조회 서비스

Matched Concepts

2 pairs
account-information services
↓
조회 서비스
payment initiation
↓
출금이체·지급개시

Agenda Arc

Derived

Built live from origin, soft-law type, timeline, and sources — not a new research claim. Global vs Korean purpose are observed framings — not proof of coordination.

Global purpose

Directive (EU) 2015/2366 (PSD2) strengthens payment-service rules and enables third-party payment initiation and account-information services with strong customer authentication.

Korean purpose

「전자금융거래법」 및 금융위원회 오픈뱅킹 체계: 참여은행 API·출금이체·조회 서비스 어휘가 PSD2 오픈뱅킹 모델과 병행. Market design similarity — not identity of legal form.

전자금융거래법 — 「전자금융거래법」 및 금융위원회 오픈뱅킹 체계: 참여은행 API·출금이체·조회 서비스 어휘가 PSD2 오픈뱅킹 모델과 병행. Market design similarity — not identity of legal form.

Reasoning echo

Observed framing link: EU PSD2 open banking → Korea open-banking payment APIs | account-information services → 조회 서비스. Not a claim of coordination.

Started where

EU

Started how

via policy learning — timeline: 2015 PSD2 → Korea open-banking framework

  1. Soft lawGlobal2015EU
    PSD2

    2015 PSD2

    Primary source
  2. LegislationKorea금융위원회
    Korea open-banking framework

    Korea open-banking framework

    Primary source
Original (Global)

Directive (EU) 2015/2366 (PSD2) strengthens payment-service rules and enables third-party payment initiation② and account-information services① with strong customer authentication.

Echo (Korea)

「전자금융거래법」 및 금융위원회 오픈뱅킹 체계: 참여은행 API·출금이체·조회 서비스① 어휘가 PSD2 오픈뱅킹 모델과 병행. Market design similarity — not identity of legal form.

Echo Strength

sourceVerified
hasKoreanSource
hasGlobalSource
hasDate
keywordDiversity
agendaTags

Influence Mechanism

policy learning
Origin
EU
Timeline

2015–2026

EU PSD2 open banking → Korea open-banking payment APIs | account-information services → 조회 서비스

Sources

🌍Global source
🇰🇷전자금융거래법

Related Patterns

EU Digital Markets Act → Korean Gatekeeper Debate

EU
20%

EU Deforestation Regulation → Korea

EU
20%

EU Battery Regulation → Korea

EU
20%

EU Platform Work Directive → Korea

EU
20%

EU DSA/DMA & Korea Platform Fairness / Competition Act

EU
20%

EU Cyber Resilience Act → Korea ICT Product Security

EU
20%

EU Net Zero Industry Act → Korea Carbon-Neutral Industrial Policy

EU
20%

EU AI Office & GPAI Governance → Korea National AI Committee

EU
20%
Keywords
PSD2open bankingpayment initiationaccount information오픈뱅킹전자금융거래법
Score Guide
Confidence — Editorial A–D tier from semantic, temporal, and linkage evidence.
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-open-banking-1