{"id":2460,"date":"2025-05-05T18:15:10","date_gmt":"2025-05-05T10:15:10","guid":{"rendered":"https:\/\/deekpay.com\/?p=2460"},"modified":"2025-05-05T18:15:10","modified_gmt":"2025-05-05T10:15:10","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%af%b9%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e7%9a%84%e5%8f%98%e9%9d%a9%e5%bd%b1%e5%93%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/05\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%af%b9%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e7%9a%84%e5%8f%98%e9%9d%a9%e5%bd%b1%e5%93%8d\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ubcc0\ud654\uac00 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts147.mm.bing.net\/th?q=phonepe146\" alt=\"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ubcc0\ud654\uac00 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\" title=\"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ubcc0\ud654\uac00 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\"><\/p>\n<p>\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uae09\uc18d\ud55c \ubc1c\uc804\uc740 \uc8fc\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \ud601\uc2e0\uc801 \uc601\ud5a5 \uce21\uba74\uc5d0\uc11c \uc774\ucee4\uba38\uc2a4 \uc0b0\uc5c5 \uc0dd\ud0dc\uacc4\ub97c \uadfc\ubcf8\uc801\uc73c\ub85c \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\uae08\uc735 \ud3ec\uc6a9\uc744 \ud1b5\ud55c \uc2dc\uc7a5 \ud655\ub300<\/li>\n<\/ol>\n<ul>\n<li>UPI \uc0ac\uc6a9\uc790 \uae30\ubc18 3\uc5b5 \uba85 \ub3cc\ud30c, \ud2f0\uc5b4-2 \ubc0f \ud2f0\uc5b4-3 \ub3c4\uc2dc\uc5d0\uc11c \uc774\ucee4\uba38\uc2a4 \ubcf4\uae09\ub960 \uc99d\uac00 47%(RBI 2023 \ub370\uc774\ud130)<\/li>\n<li>\uc74c\uc131 \uacb0\uc81c\/\uc624\ud504\ub77c\uc778 \uacb0\uc81c \uae30\ub2a5\uc73c\ub85c 1\uc5b5 2\ucc9c\ub9cc \uba85\uc758 \uc9c0\ubc29 \uc0ac\uc6a9\uc790 \uadf8\ub8f9 \uc9c0\uc6d0<\/li>\n<li>Paytm\uacfc \uac19\uc740 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 '\uc18c\uc561 \uae08\uc735 + \uacb0\uc81c' \ubaa8\ub378\uc740 \uace0\uac1d \ub2e8\uac00 28%\uc758 \uc99d\uac00\ub85c \uc774\uc5b4\uc84c\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc2e4\uc2dc\uac04 \uc815\uc0b0 \uc2dc\uc2a4\ud15c\uc73c\ub85c \uacf5\uae09\ub9dd \uc7ac\uad6c\uc131<\/li>\n<\/ol>\n<ul>\n<li>IMPS \uc2dc\uc2a4\ud15c\uc740 24\uc2dc\uac04 \uc5f0\uc911\ubb34\ud734 \uc989\uc2dc \uacb0\uc81c\ub97c \uc2e4\ud604\ud558\uace0 \ud310\ub9e4\uc790\uc758 \uc790\ubcf8 \ud68c\uc804 \uc8fc\uae30\ub97c T+0\uc73c\ub85c \ub2e8\ucd95\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubc14\ub77c\ud2b8 \ube4c\ud398\uc774\ub294 2000\uac1c \uc774\uc0c1\uc758 \uacf5\uacfc\uae08 \ub0a9\ubd80 \uc2dc\ub098\ub9ac\uc624\ub97c \ud1b5\ud569\ud558\uc5ec \uc0ac\uc6a9\uc790 \uace0\ucc29\ub3c4\ub97c \ub192\uc785\ub2c8\ub2e4.<\/li>\n<li>ONDC \ud504\ub85c\ud1a0\ucf5c\uc758 \uac1c\ubc29\ud615 \ub124\ud2b8\uc6cc\ud06c\ub294 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ube44\uc6a9\uc744 \ucd5c\ub300 351 TP3T\uae4c\uc9c0 \uc808\uac10\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\ud601\uc2e0\uc801\uc778 \uacb0\uc81c \uc591\uc2dd\uc73c\ub85c \uc0c8\ub85c\uc6b4 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378 \ucc3d\ucd9c<\/li>\n<\/ol>\n<ul>\n<li>RuPay \uc2e0\uc6a9\uce74\ub4dc\uc758 EMI \ud560\ubd80\uac00 \uc8fc\uc694 \uac00\uc804 \uce74\ud14c\uace0\ub9ac 162%\uc758 GMV \uc131\uc7a5\uc744 \uacac\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\n<p><strong>\uc18c\ube44 \ud604\uc7a5\uc744 \uc7ac\uad6c\uc131\ud558\ub294 \uc288\ud37c \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc0dd\ud0dc\ud559<\/strong><\/p>\n<ul>\n<li>Paytm, PhonePe\uc640 \uac19\uc740 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc740 \"\uacb0\uc81c + \uc774\ucee4\uba38\uc2a4 + \uc18c\uc15c\" \uc288\ud37c \uc571\uc73c\ub85c \uc9c4\ud654\ud558\uc5ec \uc0ac\uc6a9\uc790 \uccb4\ub958 \uc2dc\uac04\uc744 3\ubc30\uae4c\uc9c0 \ub298\ub838\uc2b5\ub2c8\ub2e4(McKinsey 2023 \ubcf4\uace0\uc11c).<\/li>\n<li>UPI\uc758 \uc2a4\uce94 \ubc0f \uacb0\uc81c \uae30\ub2a5\uc73c\ub85c O2O \uc774\ucee4\uba38\uc2a4 \uc131\uc7a5 \uacac\uc778, \ud604\uc9c0 \ud310\ub9e4\uc790 \uc628\ub77c\uc778 \uc785\uc9c0 1\ub144 \ub9cc\uc5d0 191\uc870\uc6d0\uc5d0\uc11c 421\uc870\uc6d0\uc73c\ub85c \uae09\uc99d<\/li>\n<li>\uc784\ubca0\ub514\ub4dc \uae08\uc735(\uc608: Flipkart\uc640 Axis Bank\uc758 \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uc9c0\uac11)\uc740 \ud50c\ub7ab\ud3fc \uacb0\uc81c \uc804\ud658\uc744 22% \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub370\uc774\ud130 \uae30\ubc18 \uc815\ubc00 \ube44\uc988\ub2c8\uc2a4 \ud601\uba85<\/strong><\/p>\n<ul>\n<li>NPCI\uc758 \uacc4\uc815 \uc560\uadf8\ub9ac\uac8c\uc774\ud130 \ud504\ub808\uc784\uc6cc\ud06c(AA)\ub294 \uc740\ud589\/\ud1b5\uc2e0\/\uc804\uc790\uc0c1\uac70\ub798 \ub370\uc774\ud130\ub97c \ud1b5\ud569\ud558\uc5ec \uc2e0\uc6a9 \uc2b9\uc778 \ud1b5\uacfc\uc728\uc744 581 TP3T\uc5d0\uc11c 821 TP3T\ub85c \ub192\uc600\uc2b5\ub2c8\ub2e4.<\/li>\n<li>UPI \uac70\ub798 \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \ub3d9\uc801 \uac00\uaca9 \ubaa8\ub378, \ubbf8\uc1fc\uc640 \uac19\uc740 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5\uc758 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9 \uc808\uac10\uc5d0 \ub3c4\uc6c0 34%<\/li>\n<li>\uc2e0\uaddc \uc0ac\uc6a9\uc790 KYC \uc2dc\uac04\uc744 48\uc2dc\uac04\uc5d0\uc11c 90\ucd08\ub85c \ub2e8\ucd95\ud558\ub294 Aadhaar \uc778\uc99d \uacb0\uc81c\uc758 \uc778\uae30<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ud310\ub3c4\ub97c \ubc14\uafbc\ub2e4<\/strong><\/p>\n<ul>\n<li>\ub8e8\ud53c \uacb0\uc81c \uc2dc\uc2a4\ud15c(LRS)\uc744 \ud1b5\ud574 \uad6d\uacbd \uac04 \uc774\ucee4\uba38\uc2a4 \uc5c5\uccb4\ub4e4\uc774 3.51\uc870\uc6d0\uc758 \uc678\ud658 \uc804\ud658 \uc190\uc2e4\uc744 \ud53c\ud560 \uc218 \uc788\uac8c \ub41c SheIN India, \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ubcf4\ub97c \uc704\ud574 121\uc870\uc6d0\uc758 \uac00\uaca9 \uc778\ud558\ub97c \ub2e8\ud589\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li>HDFC\uc640 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0 \ucd9c\uc2dc\ud55c \ub9ac\ud50c\uc758 \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c, \uae30\uc874 3~5\uc77c \uac78\ub9ac\ub358 \ud574\uc678 \ubb34\uc5ed \ud398\uc774\ubc31\uc744 4\uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub808\uadf8\ud14c\ud06c\uc758 \uc591\ub0a0\uc758 \uac80 \ud6a8\uacfc<\/strong>*<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>DPDP \ubc95\uc5d0 \ub530\ub978 \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uac74\uc73c\ub85c \uc778\ud574 \uc544\ub9c8\uc874\uacfc \uac19\uc740 \uae00\ub85c\ubc8c \ud50c\ub7ab\ud3fc\uc740 \uacb0\uc81c \uc544\ud0a4\ud14d\ucc98\ub97c \uc7ac\uad6c\ucd95\ud574\uc57c \ud558\uba70, \uc774\ub85c \uc778\ud574 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc774 \uc5f0\uac04 1\uc5b54\ucc9c2\ubc31\ub9cc \ub2ec\ub7ec \uc99d\uac00\ud569\ub2c8\ub2e4.<\/li>\n<li>BNPL\uc5d0 \ub300\ud55c RBI\uc758 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc73c\ub85c \uc778\ud574 CRED\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \ucc44\ubb34\ubd88\uc774\ud589 \uc704\ud5d8 \uc900\ube44\uae08 \ube44\uc728\uc744 151 TP3T\uc5d0\uc11c 251 TP3T\ub85c \uc778\uc0c1\ud558\uc5ec AI \uc704\ud5d8 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc744 \uc5c5\uadf8\ub808\uc774\ub4dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>8.<strong>\uc778\ud504\ub77c\uc758 \uc138\ub300\uc801 \ub3c4\uc57d\uc774 \uac00\uc838\ub2e4\uc8fc\ub294 \ud61c\ud0dd<\/strong><br \/>\n- \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uad6c\ucd95 \uc2dc\uac04\uc744 9\uac1c\uc6d4\uc5d0\uc11c 11\uc77c\ub85c \ub2e8\ucd95\ud558\ub294 \uc778\ub3c4 \uc2a4\ud0dd(India Stack) \uc624\ud508 API<br \/>\n- 5G+UPI \ub77c\uc774\ud2b8 \ucf64\ubcf4\ub85c \uc2e0\ud638\uac00 \uc57d\ud55c \uc9c0\uc5ed\uc5d0\uc11c\ub3c4 300ms \uc774\ub0b4 \ud2b8\ub79c\uc7ad\uc158 \uc751\ub2f5 \uac00\ub2a5<br \/>\n- B2B \uc804\uc790 \uc0c1\uac70\ub798 \uacb0\uc81c \uae30\uac04\uc744 \ubd84 \ub2e8\uc704\ub85c \ub2e8\ucd95\ud558\ub294 FedNow \ubc29\uc2dd\uc758 \uc989\uc2dc \uccad\uc0b0 \uc2dc\uc2a4\ud15c \ud14c\uc2a4\ud2b8 \uc2e4\uc2dc<\/p>\n<p>\uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc138 \uac00\uc9c0 \uc2ec\uce35\uc801\uc778 \ud2b8\ub80c\ub4dc\ub97c \ucd09\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<br \/>\n1) \uacb0\uc81c \ud3ec\ud138\uc774 \uc0c8\ub85c\uc6b4 \ud2b8\ub798\ud53d \ubd84\uc0b0 \uc13c\ud130\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4(Google Pay\ub294 WhatsApp\ubcf4\ub2e4 \ub9e4\uc77c \ub354 \ub9ce\uc774 \ucd9c\uc2dc\ub429\ub2c8\ub2e4).<br \/>\n2) \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \uae30\uc874 \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5 \uac04\uc758 \uacbd\uacc4 \ubaa8\ud638\ud654(\uc9c0\uc624\ub9c8\ud2b8\uac00 \uc9c0\uc624\ud30c\uc774\ub0b8\uc15c \uc11c\ube44\uc2a4\uc640 \uc9c1\uc811 \ud1b5\ud569)<br \/>\n3) '\uc18c\ud504\ud2b8\uc6e8\uc5b4 \uc815\uc758 \uacf5\uae09\ub9dd'\uc758 \ubd80\uc0c1(\uc2e4\uc2dc\uac04 \uacb0\uc81c \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud558\uc5ec \ubb3c\ub958\ucc3d\uace0 \ub124\ud2b8\uc6cc\ud06c\ub97c \ub3d9\uc801\uc73c\ub85c \uc870\uc815\ud558\ub294 Delhivery)<\/p>\n<p>\ud5a5\ud6c4 \uacb0\uc815\uc801\uc778 \ud3ec\uc778\ud2b8\ub294 \ub204\uac00 \uc544\ub2e4\ud558\ub974 2.0\uc758 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc2dc\uc2a4\ud15c\uc744 \ub354 \uc798 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294\uc9c0, \uc810\uc810 \ub354 \uc5c4\uaca9\ud574\uc9c0\ub294 RBI\uc758 \uc554\ud638\ud654\ud3d0 \uacb0\uc81c \uaddc\uc815\uacfc \uc6f9 3.0 \uc804\uc790\uc0c1\uac70\ub798\uc758 \uc694\uad6c \uc0ac\uc774\uc5d0\uc11c \uc5b4\ub5bb\uac8c \uade0\ud615\uc744 \ub9de\ucd9c\uc9c0, \uae30\uc874 \ud658\uacbd\uc744 \ud30c\uad34\ud558\ub294 CBDC \uc801\uc6a9 \uc2dc\ub098\ub9ac\uc624\uac00 \ub098\uc62c\uc9c0 \uc5ec\ubd80\uac00 \ub420 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uae09\uc18d\ud55c \ubc1c\uc804\uc740 \uc8fc\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \ud615\ud0dc\ub85c \uc774\ucee4\uba38\uc2a4 \uc0b0\uc5c5\uc758 \uc0dd\ud0dc\uacc4\ub97c \uadfc\ubcf8\uc801\uc73c\ub85c \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2460","post","type-post","status-publish","format-standard","hentry","category-7"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5bf9\u7535\u5546\u5e73\u53f0\u7684\u53d8\u9769\u5f71\u54cd - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/05\/\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5bf9\u7535\u5546\u5e73\u53f0\u7684\u53d8\u9769\u5f71\u54cd\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5bf9\u7535\u5546\u5e73\u53f0\u7684\u53d8\u9769\u5f71\u54cd\" \/>\n<meta property=\"og:description\" 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