Research & Policy
Building Valuation Standards for Korea’s Financial System
XAI Land is not only a technology provider.
We actively contribute to the development of institutional standards, regulatory frameworks, and research initiatives that shape how Automated Valuation Models (AVMs) are governed and deployed in Korea.
- Peer-reviewed publications
- Statistical modeling research
- Legislative proposals
- Regulatory impact analysis
- Op-eds and expert analysis
- Public forum participation
Real estate valuation directly impacts:
- Financial stability
- Mortgage underwriting
- Public housing acquisition
- Jeonse guarantee insurance
- Reverse mortgage eligibility
- Taxation and official price calculations
For this reason, valuation infrastructure must be accurate, transparent, and independently validated.
Academic & Peer-Reviewed Research
Our leadership has contributed to peer-reviewed research examining large-scale transaction datasets and proposing validation frameworks for AVMs in Korea.
In 2024, our CEO co-authored a paper published in the Journal of Real Estate Analysis analyzing nearly 20,000 housing transactions and proposing:
- Independent AVM performance validation
- Disclosure of statistical accuracy metrics (MdAPE, PPE bands)
- Governance structures for model transparency
- Conflict-of-interest awareness in valuation systems
→ [Read our published research]
We believe AVM adoption should be evidence-based, not marketing-driven.
National Assembly & Policy Forums | Industry Conferences & Technical Presentations
XAI Land has participated in multiple National Assembly forums focused on:
- Financial consumer protection
- AI governance and risk management
- Inclusive finance and housing access
- Jeonse fraud prevention
(National Assembly)
Joint Conference
Forum
Academic Conference
2025 Financial Consumer Protection Forum (National Assembly, February 2025)
We presented how independent, transparent AVMs can reduce Jeonse fraud by mitigating appraisal inflation and overvaluation risks in mortgage and guarantee underwriting.
Key themes included:
- Need for AVM standards in Korea
- Conflict-of-interest risks in bank-owned or government-operated valuation systems
- Public disclosure of model accuracy
- Institutional accountability in AI adoption
AX 2.0 Spring Joint Conference (Hoseo University’s Cheonan Campus, 2025)
XAI Land presented at the 2025 Spring Joint Conference hosted by:
- Korea Intelligent Information Systems Society
- Korea Data Strategy Society
Under the theme “AX 2.0,” we introduced:
- Accuracy-enhanced AVM architecture
- Backtesting results (including new-construction valuation cases)
- Explainability frameworks (SHAP integration roadmap)
- Audit trail infrastructure for regulatory environments
We believe technical transparency is essential for societal trust in AI systems.
→ [Explore conference highlights]
Inclusive Finance 3.0 Forum (National Assembly, September 2025)
We presented on:
“Inclusive Collateral Valuation 3.0: Enabling Financial Inclusion through Independent AVMs”
The presentation addressed:
- Exclusion of villas, multi-family homes, and regional housing from reliable valuation systems
- Impact of inaccurate valuation on youth housing, reverse mortgages, and guarantee insurance
- Structural risks from index-based pricing systems
- Policy reform options for AVM adoption in Korea
We also outlined international precedents from:
Technology & Data Research Partnerships
XAI Land collaborates with public research institutions to explore how AI-based valuation systems can support public asset management.
MOU with Korea Institute of National Property (KINP)
In 2025, XAI Land signed a formal research agreement to apply AVM technology to:
- National property utilization analysis
- Public housing acquisition price review
- Donation asset valuation verification
- Detection of appraisal inconsistencies
Our CEO was appointed as an official research fellow, contributing technical advisory support to public-sector research projects.
→ [Learn more about the MOU and research collaboration]
Housing Post Column: Public Dialogue
Our CEO writes a recurring column, “Value Talk (밸류토크),” in Housing Post addressing:
- Conflicts of interests in valuation systems
- AVM transparency standards
- Jeonse fraud prevention
- AI governance in real estate
- Financial inclusion through fair collateral assessment
These columns contribute to public discussion around valuation reform and financial stability.
Our Policy Principles
Across research, forums, and publications, XAI Land consistently advocates for:
- Independent third-party validation of AVMs
- Mandatory disclosure of performance metrics
- Conflict-of-interest safeguards
- Explainability and audit trail requirements
- Hybrid collaboration between AVMs and certified appraisers
- Risk-based AVM usage thresholds
We believe valuation reform should strengthen – not destabilize – Korea’s financial system.
A Measured Approach to Reform
We recognize that valuation reform requires balance:
- Protecting consumers
- Preserving professional expertise
- Managing systemic risk
- Aligning with AI governance laws
- Maintaining institutional accountability
Our approach is not disruptive for its own sake.
It is infrastructure-focused, standards-driven, and data-supported.
Engage With Us
If you are:
- Evidence-based policy research
- Regulatory framework proposals
- Risk management insights
- Valuation governance standards
- Market transparency advocacy
- Consumer protection research
We welcome dialogue.