Purpose : The objective of this study is to analyze the structural limitations of the dual-track system in South Korea's Export Credit Insurance comprising the "Japanese model" (individual-based) and the "European model" (portfolio-based) and to propose a DX-based hybrid integration model to enhance risk management precision and operational efficiency. Research design, data, methodology : This research primarily employed a Literature Review and Case Study analysis, involving the collection of domestic and international academic papers, Supreme Court precedents, and official operating guidelines from Korea (K-SURE) and Japan (NEXI). Additionally, a system-design approach was used to review current API and Cloud Gateway technologies for proposing a next-generation automated attachment model. Results : Key findings regarding the dual-track export insurance system include: 1) The Japanese model ensures high underwriting precision but carries significant operational risks due to manual notification omissions by exporters, 2) The European model (SME Plus Insurance) offers high administrative convenience but creates a "visibility gap" where insurers cannot monitor micro-level risk concentration in real-time, 3) Current DX trends allow for the technical integration of these two disparate models, and 4) Challenges such as protecting corporate trade secrets and standardizing data protocols remain critical for system-wide adoption. Conclusions : To overcome these limitations, this study proposes three key policy and technical implications for K-SURE: 1) Shifting the insurance attachment mechanism from manual human reporting to real-time system synchronization using API-based DX technology, 2) Establishing a "Hybrid Automated Model" that links K-SURE’s system with corporate ERPs and Customs Service data to eliminate notification risks, and 3) Implementing a data-sovereignty-based dashboard and selective data filtering to protect exporters' trade secrets while maximizing risk-monitoring resolution.