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Fri, March 24, 2023 | 02:36
Economy
Card firms may see over W1 tril. in losses
정보유출 대책발표…소비자들 "실질적 보상해야"
Posted : 2014-01-22 16:24
Updated : 2014-01-22 16:24
Kim Rahn
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Financial Services Commission Chairman Shin Je-yoon bows during a press conference at the Korea Press Center in central Seoul, Wednesday, to apologize for consumer data leaks that occurred at three credit card firms. Behind Shin is Financial Supervisory Service Governor Choi Soo-hyun./ Yonhap
Financial Services Commission Chairman Shin Je-yoon bows during a press conference at the Korea Press Center in central Seoul, Wednesday, to apologize for consumer data leaks that occurred at three credit card firms. Behind Shin is Financial Supervisory Service Governor Choi Soo-hyun.
/ Yonhap

By Kim Rahn


More than 1 trillion won in losses are forecast for three credit card companies where customer information was leaked, as they will have to reissue in excess of 80 million cards.

Not to mention public distrust in the companies, experts say the firms' losses from the leaks will be unpredictable when considering the time and effort spent on card reissuance; compensation to customers for financial or mental damages from possible financial scams; and potential operation suspension or other types of penalties to be slapped on them.

According to the Financial Supervisory Service, Wednesday, some 43.2 million customers' personal data was leaked from KB Kookmin Card, 17.6 million from Lotte Card and 21.6 million from NH NongHyup Card.

Those companies have received a flood of calls for card cancellations or reissuance.

To reissue one card, it costs 2,000-3,000 won to make the card plate with an IC chip. In mailing the new card to a customer, the post fee is some 4,000 won, larger than fees for normal mail as credit card mailing requires separate services.

The three firms also pledged to offer text messaging services for payment for free.

Considering all related expenses, the card firms predict they will have to spend around 10,000 won per client. It means Kookmin will see 432 billion won in losses, Lotte 176 billion won and NongHyup, 216 billion won.

"We may have to spend more money as we are considering offering some pay services without charge as an apology to customers," an official of one of the three companies said.

The huge expenses may cause deficits for those firms this year ― Kookmin posted 291 billion won in net earnings in 2012 and Lotte 162 billion won.

While the financial regulators say the prosecution prevented the stolen data from spreading further and there will not be financial scams from this leakage, CEOs of the companies also said they will compensate for any mental damages to customers ― another potential loss for the firms.

In 2006, a local court ordered Kookmin Bank to pay 200,000 won to each of 1,024 clients whose names, email addresses and resident registration numbers were stolen. Another information leakage ruling involving portal site Nate in 2011 also ordered 200,000 won in compensation to 2,882 victims.

The companies will also have to pay a considerable amount of fines as the authorities are pledging to take stern measures against them. If operation is suspended partially, the losses will get larger.

Besides those financial losses, they will suffer "invisible" damage as they have lost credibility, a key value for a financial company.

The number of their clients may decrease as many customers who canceled the cards of the firms can choose cards of other companies which did not sustain leaks.

Economist Koo Kyung-hwe at Hyundai Securities said people will continue to use credit cards and online transactions as these have become a must in the economic life, but may reduce the use of them.

"Credit card companies may see their total sales cut for the time being. It will take considerable time for the three firms to regain public credibility. Not only the three but also other financial companies will have to spend more money in upgrading cyber security systems," he said.

Kim Woo-jin, researcher at the Korea Institute of Finance, said despite short-term losses, the incident can be a chance for financial companies' development. "If they learn lessons from this case and expand investment in information protection, it will eventually become a turning point for sustainable growth," he said.


정보유출 대책발표…소비자들 "실질적 보상해야"

정부가 22일 대규모 고객 정보 유출 사태의 재발을 막기 위한 대책을 내놨지만 소비자들은 못 미덥다는 반응이다.

자신의 개인정보가 유출된 사실에 대한 분노가 가라앉지 않은 데다 2차 범죄로 전이될 가능성에 대해서도 아직 불안해하는 모습이 역력하다.

이날 서울 중구 소공동 롯데백화점 안 롯데카드 센터에서 신용카드 재발급을 받으려던 김모씨는 '금융사 최고경영자(CEO)까지 해임할 수 있다고 하지만 막상 사고가 나면 그게 무슨 소용이 있느냐'며 '더 강력히 제재해야 한다'고 목소리를 높였다.

같은 이유로 이곳을 찾은 다른 고객도 '카드 해지 후 개인정보를 삭제한다면 고객이 실제로 확인할 수 있도록 해줘야 한다'며 '롯데마트나 롯데백화점 때문에 롯데카드를 이용할 수밖에 없는데 이렇게 정보가 유출되니 황당하다'고 말했다.

NH농협 정부세종청사 공정거래위원회 출장소에서 만난 30대 회사원 이모씨는 '제도 개선 취지는 좋아 보이는데, 중요한 것은 결국 실천이 아닌가 싶다'며 '제도가 없어서 이런 사건이 발생한 게 아닌 만큼 이행이 더욱 중요하다'고 지적했다.

같은 출장소에서 만난 40대 회사원 김모씨는 '한국은 미국이나 유럽보다 신용카드를 너무 쉽게 발급하고 개인정보도 그만큼 쉽게 다룬다'면서 '정보를 더 신중히 취급하고 함부로 공유할 수 없도록 해야 한다'고 말했다.

KB카드를 보유한 박모씨는 '신용카드 번호나 유효기간 정보는 유출되지 않았다고 하지만 계좌번호를 비롯한 개인정보가 유출된 만큼 범죄에 악용될 소지가 있다'면서 '소 잃고라도 외양간을 고치는 게 낫지만 일단 유출된 정보 때문에 불안감이 가시지 않는다'고 지적했다.

네티즌들 역시 이번 대책에 대해 여러 문제점을 지적했다.

아이디를 'cor****'로 쓴 네티즌은 '각종 정보를 보호한다면서 고객 동의를 구하지만 고객이 동의하지 않으면 막상 아무것도 할 수 없지 않으냐'면서 '형식적인 동의를 없애든지 정말 개인 의사에 따라 동의를 받을 수 있게 해야 한다'고 꼬집었다.

다른 네티즌(we3****)은 '몇년 사이에 개인정보 유출 사건이 도대체 몇건이냐'면서 '솜방망이 처벌에 쓸모없는 대책을 반복하니 이런 사태가 반복된다'고 비판했다.

금융소비자연맹은 이날 성명을 통해 '당연히 해야 할 것을 취합해 발표한 알맹이 없는 땜질식 처방'이라며 '유출된 카드 정보와 관련 모든 카드를 재발급하고 회비면제, 수수료 및 이자 감면 등 실질적인 피해보상에 나서야 한다'고 말했다.

정부는 대규모 고객 정보 유출 사태의 재발을 막기 위해 앞으로 금융사의 과도한 개인정보 보유나 공유를 금지하는 내용을 골자로 한 금융권 개인정보보호 종합대책을 이날 발표했다.

정부는 개인정보 유출로 사회적 파문을 일으키면 금융사 최고경영자(CEO)까지 해임할 수 있도록 하고 매출액의 1%에 달하는 징벌적 과징금도 물릴 수 있도록 할 계획이다.

이번에 1억여건의 고객 정보 유출 사태를 일으킨 국민카드, 롯데카드, 농협카드는 최고경영자 해임 권고 및 영업 정지 3개월의 중징계를 받을 것으로 전망되고 있다.
Emailrahnita@koreatimes.co.kr Article ListMore articles by this reporter
 
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