{"id":2540,"date":"2025-05-11T12:00:27","date_gmt":"2025-05-11T04:00:27","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2540"},"modified":"2025-05-11T12:00:27","modified_gmt":"2025-05-11T04:00:27","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%8e%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%9a%84%e6%b7%b1%e5%ba%a6%e6%95%b4%e5%90%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/11\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%8e%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%9a%84%e6%b7%b1%e5%ba%a6%e6%95%b4%e5%90%88\/","title":{"rendered":"\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uc2ec\uce35 \ud1b5\ud569"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts142.mm.bing.net\/th?q=phonepe141\" alt=\"\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uc2ec\uce35 \ud1b5\ud569\" title=\"\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uc2ec\uce35 \ud1b5\ud569\"><\/p>\n<p>\uc778\ub3c4\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uae34\ubc00\ud55c \ud1b5\ud569\uc740 \ucd5c\uadfc \uba87 \ub144\uac04 \ud540\ud14c\ud06c \ubd84\uc57c\uc5d0\uc11c \uc911\uc694\ud55c \ubcc0\ud654\uc774\uba70, \uadf8 \ubc1c\uc804 \uc18d\ub3c4, \uaddc\ubaa8, \ud601\uc2e0 \ubc29\uc2dd\uc740 \uae00\ub85c\ubc8c \uaddc\ubaa8\ub97c \ub300\ud45c\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uae30\uc220 \uc544\ud0a4\ud14d\ucc98, \uc2dc\uc7a5 \uc0dd\ud0dc, \uc815\ucc45 \ucd94\uc9c4 \ubc0f \uacfc\uc81c \uce21\uba74\uc5d0\uc11c \uc804\ubb38\uc801\uc778 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3>I. \ud575\uc2ec \uc778\ud504\ub77c\uc758 \uc735\ud569<\/h3>\n<ol>\n<li>\n<p><strong>UPI(\ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4)\uc758 \uae30\uc220\uc801 \ud601\uc2e0<\/strong><\/p>\n<ul>\n<li>\uc778\ub3c4\uc911\uc559\uc740\ud589(RBI)\uc774 \uc8fc\ub3c4\ud558\ub294 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc778 UPI\ub294 \uacc4\uce35\ud654\ub41c API \uc544\ud0a4\ud14d\ucc98\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc740\ud589 \uacc4\uc88c \uac04 \uc989\uc2dc \uacb0\uc81c(T+0)\uac00 \uac00\ub2a5\ud558\uba70, \ud558\ub8e8 \uac70\ub798 \uac74\uc218\uac00 4\uc5b5 \uac74(2023\ub144 \ub370\uc774\ud130)\uc744 \ub118\uc5b4\uc130\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uace0\uc720\ud55c '\uac00\uc0c1 \uacb0\uc81c \uc8fc\uc18c(VPA)' \uc124\uacc4\ub85c \uae30\uc874 \uacc4\uc815 \uc815\ubcf4\ub97c \ub300\uccb4\ud558\uace0 \uc0ac\uc6a9\uc790\uc758 \uc0ac\uc6a9 \ubb38\ud131\uc744 \ub0ae\ucdc4\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc544\ub4dc\ud558\ub974 \uc0dd\uccb4 \uc778\uc2dd\uc758 \ud1a0\ub300<\/strong><\/p>\n<ul>\n<li>12\uc790\ub9ac \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc2dc\uc2a4\ud15c\uc5d0 \uae30\ubc18\ud55c KYC \uc778\uc99d \uc644\ub8cc\ub85c \ubaa8\ubc14\uc77c \uc9c0\uac11 \uacc4\uc88c \uac1c\uc124 \uc2dc\uac04\uc774 48\uc2dc\uac04\uc5d0\uc11c 90\ucd08\ub85c \ub2e8\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4. Paytm\uacfc \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 Aadhaar e-KYC\ub97c \ud1b5\ud55c \uc2e0\uaddc \uc0ac\uc6a9\uc790 \ucd94\uac00 \ube44\uc6a9\uc774 801 TP3T \uac10\uc18c\ud55c \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>BBPS\uc640 NACH \uc2dc\uc2a4\ud15c \uc778\ud130\ud398\uc774\uc2a4<\/strong><\/p>\n<ul>\n<li>\uad6d\uac00 \uc790\ub3d9 \uccad\uc0b0\uc18c(NACH)\ub294 \uc815\uae30 \uacb0\uc81c\ub97c \ucc98\ub9ac\ud558\uace0, \ubc14\ub77c\ud2b8 \uccad\uad6c\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c(BBPS)\uc740 \uacf5\uacfc\uae08 \uacb0\uc81c \ud504\ub85c\uc138\uc2a4\ub97c \ud45c\uc900\ud654\ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uc571\uc740 API\ub97c \ud1b5\ud574 \uc774\ub7ec\ud55c \uc778\ud504\ub77c\ub97c \ud638\ucd9c\ud558\uc5ec \uc804\uccb4 \uc2dc\ub098\ub9ac\uc624\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>II. \uc2dc\uc7a5 \ucc38\uc5ec\uc790\uc758 \uacbd\uc7c1 \uac8c\uc784<\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\ud50c\ub808\uc774\uc5b4 \uc720\ud615<\/strong><\/th>\n<th><strong>\ub300\ud45c \uae30\uc5c5<\/strong><\/th>\n<th><strong>\uc804\ub7b5\uc801 \ud3ec\uc9c0\uc154\ub2dd<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ubc45\ud0b9 \uc2dc\uc2a4\ud15c<\/td>\n<td>SBI \uc694\ub178, \uc544\uc774\ubaa8\ubc14\uc77c<\/td>\n<td>\uc8fc\uc2dd \uace0\uac1d \ub514\uc9c0\ud138\ud654\uc5d0 \uc8fc\ub825\ud558\ub294 UPI \ub178\ub4dc \ucc38\uc5ec\uc790<\/td>\n<\/tr>\n<tr>\n<td>\ud540\ud14c\ud06c \uc720\ub2c8\ucf58<\/td>\n<td>\ud398\uc774\ud2f0\uc5e0, \ud3f0\ud398<\/td>\n<td>\uc774\ucee4\uba38\uc2a4\/\uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud558\ub294 \uc288\ud37c \uc571 \ubaa8\ub378<\/td>\n<\/tr>\n<tr>\n<td>\uae00\ub85c\ubc8c \uae30\uc220 \ub300\uae30\uc5c5<\/td>\n<td>\uad6c\uae00 \ud398\uc774(\ud14c\uc988), \uc653\uce20\uc571 \ud398\uc774<\/td>\n<td>\ud2b8\ub798\ud53d \uc6b0\uc704\ub97c \ud65c\uc6a9\ud558\uc5ec P2P \uc1a1\uae08 \uc2dc\uc7a5\uc744 \uc120\uc810\ud558\uc138\uc694.<\/td>\n<\/tr>\n<tr>\n<td>Jio\uc640 \uac19\uc740 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790<\/td>\n<td>\uc9c0\uc624\uba38\ub2c8<\/td>\n<td>SIM \uacb0\ud569 \uacb0\uc81c + \uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc6d0 \ub124\ud2b8\uc6cc\ud06c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><strong>\uc77c\ubc18\uc801\uc778 \uacbd\uc6b0<\/strong>:: \ud3f0\ud398, \ub3d9\uc801 QR\ucf54\ub4dc\uc640 \uc624\ud504\ub77c\uc778 \ud310\ub9e4\uc790 \uc194\ub8e8\uc158\uc73c\ub85c \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc18c\uaddc\ubaa8 \uc0c1\uc778\ub4e4\uc744 \uacf5\ub7b5\ud558\ub2e4<\/li>\n<\/ul>\n<hr>\n<h3>III. \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud601\uc2e0\uc801 \uade0\ud615<\/h3>\n<ol>\n<li>\n<p><strong>RBI\uc758 \uc810\uc9c4\uc801 \uaddc\uc81c<\/strong><\/p>\n<ul>\n<li>NPCI\ub294 \ud0c0\uc0ac \uc571\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728 \uc0c1\ud55c\uc120\uc744 30%\ub85c \uc124\uc815\ud569\ub2c8\ub2e4(Google Pay\uc640 \uac19\uc740 \ud574\uc678 \ud50c\ub808\uc774\uc5b4\uc758 \uacbd\uc6b0).<\/li>\n<li>\"\uc0cc\ub4dc\ubc15\uc2a4 \uba54\ucee4\ub2c8\uc998\"\uc744 \ud1b5\ud574 \uad6d\uacbd \uac04 \uc1a1\uae08\uacfc \uac19\uc740 \ud601\uc2e0\uc801\uc778 \ube44\uc988\ub2c8\uc2a4\ub97c \ud14c\uc2a4\ud2b8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub370\uc774\ud130 \uc8fc\uad8c \uc694\uad6c \uc0ac\ud56d<\/strong><\/p>\n<ul>\n<li>\uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95\uc5d0 \ub530\ub77c \uacb0\uc81c \ub370\uc774\ud130\ub294 \ub85c\uceec\uc5d0 \uc800\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc9c4\uc785 \uc7a5\ubcbd\uc774 \ub418\ub294 PCI-DSS \uaddc\uc815 \uc900\uc218<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uae08\uc735 \ud3ec\uc6a9\uc131 \uc778\uc13c\ud2f0\ube0c<\/strong><br \/>\n\uc18c\uc561 \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uc758 \uac70\ub798 \uc218\uc218\ub8cc\ub97c \uba74\uc81c\ud558\ub294 \uc81c\ub85c MDR \uc815\ucc45<br \/>\n\ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc5d0\uc774\uc804\ud2b8\uc5d0\uac8c PMJDY \uc81c\ub3c4 \ubcf4\uc870\uae08 \uc81c\uacf5<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3>IV. \ud604\uc874\ud558\ub294 \ubb38\uc81c\uc810\uacfc \uae30\uc220 \ubc1c\uc804 \ubc29\ud5a5<\/h3>\n<ol>\n<li><strong>\ubcd1\ubaa9 \ud604\uc0c1 \ubd84\uc11d<\/strong>\n<ul>\n<li>\ud53c\ud06c \uc2dc\uac04\ub300\uc5d0\ub294 UPI \uc131\uacf5\ub960\uc774 921 TP3T\ub85c \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4(\uc77c\uc77c 981 TP3T \ub300\ube44).<br \/>\n\ud53c\ucc98\ud3f0 \uc0ac\uc6a9\uc790\ub4e4\uc740 \uc5ec\uc804\ud788 USSD(\ube44\uc815\ud615 \ubcf4\uc870 \uc11c\ube44\uc2a4 \ub370\uc774\ud130)\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc9c0\ub9cc, \uadf8 \uacbd\ud5d8\uc740 \uc88b\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>2. \ucc28\uc138\ub300 \uae30\uc220 \ub808\uc774\uc544\uc6c3:<\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR <br>\r\nA [5G SA \ub124\ud2b8\uc6cc\ud06c] --&gt; B [\uc2e4\uc2dc\uac04 \uc0ac\uae30 \ud0d0\uc9c0]<br>\r\nC[e\ub8e8\ud53c CBDC] --&gt; D[\ud504\ub85c\uadf8\ub7a8 \uac00\ub2a5\ud55c \uae09\uc5ec]<br>\r\nE [\ub258\uc559\uc2a4 AI \ubc14\ub78c \uc81c\uc5b4] --&gt; F [\ubc29\uc5b8 \uae30\ubc18 \uc74c\uc131 \uacb0\uc81c]<br>\r\n<\/code><\/pre>\n<hr>\n<p>V. \uc911\uad6d \uae30\uc5c5\uc744 \uc704\ud55c \uc81c\uc548:<br \/>\n1. \uc9c4\ucd9c \uc804\ub7b5: \ud604\uc9c0 NBFC\uc640 \ud611\ub825\ud558\uc5ec \ub77c\uc774\uc120\uc2a4\ub97c \ucde8\ub4dd\ud558\uc5ec FDI \uc81c\ud55c\uc744 \ud53c\ud558\ub294 \ubc29\ubc95\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4;<br \/>\n2. \uae30\uc220 \uc801\uc751: \uc778\ub514\uc2a4\ud0dd\uc758 \ubaa8\ub4e0 \uc624\ud508 API \ud45c\uc900\uc744 \uc9c0\uc6d0\ud574\uc57c \ud569\ub2c8\ub2e4;<br \/>\n3. \uc2dc\ub098\ub9ac\uc624 \uc120\ud0dd\uc740 \uad50\uc721 \ud560\ubd80 \ub610\ub294 \ud574\uc678 \uc1a1\uae08\uacfc \uac19\uc774 \uc131\uc7a5\uc131\uc774 \ub192\uc740 \uc5c5\uc885\uc5d0 \uc6b0\uc120\uc21c\uc704\ub97c \ub461\ub2c8\ub2e4;<\/p>\n<p>BCG\uc758 \uc608\uce21\uc5d0 \ub530\ub974\uba74 2026\ub144\uae4c\uc9c0 \ub514\uc9c0\ud138 \uc9c0\uac11\uc774 \ube44\ud604\uae08 \uac70\ub798\uc758 65%\ub97c \ucc28\uc9c0\ud560 \uac83\uc774\uba70, UPI\ub294 \uc2f1\uac00\ud3ec\ub974\uc640 UAE \ub4f1 \uad6d\uc81c \uc2dc\uc7a5\uc73c\ub85c \ud655\uc7a5\ud558\uc5ec \uc9c0\uc5ed\uc801 \uc601\ud5a5\ub825\uc744 \ud615\uc131\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<h3><strong>\uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uae34\ubc00\ud55c \ud1b5\ud569(\uacc4\uc18d)<\/strong><\/h3>\n<h4><strong>V. \uad6d\uacbd \uac04 \uacb0\uc81c \ubc0f \uad6d\uc81c \ud611\ub825<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>UPI \uae00\ub85c\ubc8c\ud654 \uc804\ub7b5<\/strong><\/p>\n<ul>\n<li>\uc2f1\uac00\ud3ec\ub974 PayNow-UPI \uc0c1\ud638 \uc5f0\uacb0: 2023\ub144 2\uc6d4\uc5d0 \ucd9c\uc2dc\ub418\uc5b4 \uc2e4\uc2dc\uac04 \ud574\uc678 \uc1a1\uae08(\uac70\ub798\ub2f9 \ud55c\ub3c4 S$1,000)\uc774 \uac00\ub2a5\ud574\uc9d1\ub2c8\ub2e4.<\/li>\n<li>\uc7a0\uc7ac\uc801 UAE \uc811\uadfc: \uc778\ub3c4 \ud574\uc678 \uc1a1\uae08\uc774 \uc138\uacc4 \ucd5c\ucd08(2022\ub144\uae4c\uc9c0 890\uc5b5 \ub2ec\ub7ec)\ub97c \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uac00\uc6b4\ub370, NPCI\ub294 SWIFT \uc758\uc874\ub3c4\ub97c \uc904\uc774\uae30 \uc704\ud574 \ub9ac\ud50c \ub300\uc548\uc744 \ud14c\uc2a4\ud2b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>RuPay \uce74\ub4dc\uc758 \uad6d\uc81c\uc801 \ud655\uc7a5<\/strong><\/p>\n<ul>\n<li>\ub3d9\ub0a8\uc544\uc2dc\uc544 \ubc0f \uc911\ub3d9 \uc9c0\uc5ed\uc758 POS \ub2e8\ub9d0\uae30 \ubcf4\uae09\ub960\uc740 65%\uc5d0 \ub2ec\ud558\uba70, Visa\/MC\uc758 \uc218\uc218\ub8cc \uc778\ud558 \uc804\ub7b5\uc73c\ub85c \uc778\ud574 \ub9e4\uc785\uc5c5\uccb4\ub4e4\uc740 RuPay\ub97c \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc911\uad6d \uae30\uc220 \uae30\uc5c5\uc744 \uc704\ud55c \uae30\ud68c\uc758 \ucc3d<\/strong><\/p>\n<ul>\n<li>\uc54c\ub9ac\ud398\uc774 + \uc740\ud589 \uac04 \ud611\ub825 \ubaa8\ub378\uc740 \uc81c\ud55c\ub418\uc5b4 \uc788\uc9c0\ub9cc, \ud654\uc6e8\uc774\ub294 \ub514\ubc14\uc774\uc2a4 \uc218\uc900\uc5d0\uc11c \uc571\uc744 \uc0ac\uc804 \uc124\uce58\ud558\uc5ec \uaddc\uc81c \uc7a5\ubcbd\uc744 \uc6b0\ud68c\ud569\ub2c8\ub2e4(\uc608: BHIM UPI);<\/li>\n<li>\ud2f1\ud1a1 \ud398\uc774\uac00 \uc9c4\ucd9c\ud560 \uacbd\uc6b0 \ud604\uc9c0\ud654\ub41c \ub370\uc774\ud130 \uc800\uc7a5\uc774\ub77c\ub294 \uacfc\uc81c\uc5d0 \uc9c1\uba74\ud558\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h4><strong>VI. \uc9c0\ubc29 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uae30\uc220 \uce68\ubab0 \uacbd\ub85c<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>\uacc4\uce35\uc801 \uc194\ub8e8\uc158<\/strong><\/th>\n<th><strong>\uae30\uc220 \ubca1\ud130<\/strong><\/th>\n<th><strong>\ub300\ud45c \uc0ac\ub840<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub514\uc9c0\ud138 \ub9ac\ud130\ub7ec\uc2dc \uce5c\ud654\uc801\uc778 \uc778\ud130\ud398\uc774\uc2a4<\/td>\n<td>IVR \uc74c\uc131 \uacb0\uc81c<\/td>\n<td><em>\uc5d0\uc5b4\ud154 \uacb0\uc81c \uc740\ud589<\/em> USSD \uba54\ub274<\/td>\n<\/tr>\n<tr>\n<td>\uc624\ud504\ub77c\uc778 \uac70\ub798 \ubcf4\uc99d<\/td>\n<td>NFC-SIM \uce74\ub4dc\/NUUP \ud504\ub85c\ud1a0\ucf5c<\/td>\n<td><em>\uc9c0\uc624\uba38\ub2c8<\/em>\uc5d0\uc774\uc804\ud2b8 \ud3ec\uc778\ud2b8 \uc2a4\uc715 \uc0ac\uc804 \uc608\uc57d<\/td>\n<\/tr>\n<tr>\n<td>\uc804\ub825 \ubd88\uc548\uc815\uc131 \uc801\uc751<\/td>\n<td>SMS \uae30\ubc18 \uc18c\uc561 \uc1a1\uae08<\/td>\n<td><em>\uc5d0\ucf54 \ud30c\uc774\ub0b8\uc15c<\/em>BC \ub124\ud2b8\uc6cc\ud06c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><em><strong>\uc8fc\uc694 \ud601\uc2e0<\/strong><\/em>4G \ud53c\ucc98\ud3f0\uc5d0 \uc0ac\uc804 \uc124\uce58\ub41c \uacb0\uc81c \uc571\uc73c\ub85c 5\uc5b5 \uba85\uc758 \uc7a0\uc7ac \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub3c4\ub2ec\ud558\uae30 \uc704\ud55c Reliance Jio\uc758 'JioMart+JioPay' \ucf64\ubcf4.<\/li>\n<\/ul>\n<hr>\n<h4><strong>VII. \uc704\ud5d8 \ubc0f \uaddc\uc815 \uc900\uc218 \ub3d9\uc801 \ubaa8\ub2c8\ud130\ub9c1 \ub9e4\ud2b8\ub9ad\uc2a4<\/strong><\/h4>\n<pre><code class=\"language-mermaid\">\uc21c\uc11c\ub3c4 TD<br>\r\n    A [\uc0ac\uae30 \uc720\ud615] --&gt; B [\ud569\uc131 \uc2e0\uc6d0 \uacf5\uaca9]<br>\r\n    A --&gt; C [QR\ucf54\ub4dc \ud0c8\ucde8]<br>\r\n    D [\uc751\ub2f5] --&gt; E [\uc0dd\uccb4 \uc0dd\uccb4 \uc778\uc2dd \uac10\uc9c0]<br>\r\n    D --&gt; F [NPCI\uc758 \"\ud1a0\ud070 \ubcfc\ud2b8\" \ub3d9\uc801 \uc554\ud638\ud654]<br>\r\n<\/code><\/pre>\n<ol>\n<li>RBI \ucd5c\uc2e0 \uc9c0\uce68 \uc694\uad6c \uc0ac\ud56d:\n<ul>\n<li>PSO(\uacb0\uc81c \uc2dc\uc2a4\ud15c \uc0ac\uc5c5\uc790)\ub294 AI \uae30\ubc18 \uc774\uc0c1\uac12 \uac10\uc9c0 \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4;<\/li>\n<li>\uc790\uae08 \uac00\ub77c\uc549\uae30 \uc704\ud5d8\uc744 \ud1b5\uc81c\ud558\uae30 \uc704\ud574 UPI \ub77c\uc774\ud2b8 \uc9c0\uac11 \uc794\uc561 \ud55c\ub3c4\uac00 2000\ub8e8\ud53c\ub85c \uc870\uc815\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<p>\ud5a5\ud6c4 3\ub144\uac04\uc758 \uc8fc\uc694 \uae30\uc220 \ubcc0\uace1\uc810 \uc804\ub9dd<\/p>\n<table>\n<thead>\n<tr>\n<th>2024<\/th>\n<th>2025-26<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uacc4\uc815 \uc2dc\uc2a4\ud15c \ubcc0\uacbd \uc0ac\ud56d<\/td>\n<td>- e\ub8e8\ud53c \ub3c4\ub9e4 \ucd5c\uc885 \ud3c9\uac00\ud310 \uc644\ub8cc<br \/>- CBDC-VFA \uc544\ud0a4\ud14d\ucc98 \uc624\ud508 \uc18c\uc2a4<\/td>\n<td>- RBI\ub294 \uc815\ubd80 \ubcf4\uc870\uae08\uc744 CBDC\ub97c \ud1b5\ud574 \uc9c0\uae09\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud569\ub2c8\ub2e4.<br \/>-\uc624\ud504\ub77c\uc778 \ub514\uc9c0\ud138 \ub8e8\ud53c\ub294 'NFC \ud130\uce58' \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>\uc0c1\uc778 \uc0dd\ud0dc \uc7ac\uad6c\uc131<\/td>\n<td>- ONDC, 300\ub9cc \ub9c8\uc774\ud06c\ub85c \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\ub97c \ud761\uc218\ud558\uae30 \uc704\ud574 \ub124\ud2b8\uc6cc\ud06c \uac1c\ubc29<\/td>\n<td>- ARPU\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<x-equation>8 (\ud604\uc7ac<\/x-equation>3) \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\uc758 \uc218\uc775\uc131 \uc81c\uace0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>IX. \ud574\uc0c1\uc73c\ub85c \uc9c4\ucd9c\ud558\ub294 \uc911\uad6d \uae30\uc5c5\uc744 \uc704\ud55c \uc804\uc220\uc801 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<ol>\n<li>\n<p><em><strong>\ub77c\uc774\uc120\uc2a4 \ud68c\ud53c \uc804\ub7b5<\/strong><\/em>::<\/p>\n<ul>\n<li>\ud569\uc791 \ud22c\uc790 \uc9c0\ubd84\uc774 49%(FDI \ud55c\ub3c4 \ub808\ub4dc \ub77c\uc778)\ub97c \ucd08\uacfc\ud558\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4;<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>\ud604\uc9c0\ud654\ub41c \uae30\uc220 \uc801\uc6a9 \ubaa9\ub85d<\/strong><\/em>::<\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-python\"># API \ud638\ucd9c \uc608\uc2dc: \uc2a4\ud0dd \uc778\ub514\uc544\uc758 \ud544\uc218 \ud544\ub4dc<br>\r\ndef upi_payment_request().<br>\r\n    \ud398\uc774\ub85c\ub4dc = {<br>\r\n        \"vpa\": \"user@upi\". <br>\r\n        \"\uae08\uc561\": \"100.50\",<br>\r\n        \"trnx_id\": uuid.uuid4().hex[:10], # NPCI\uc5d0 \uace0\uc720\uc131 \uccb4\ud06c\uc12c\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<br>\r\n        \"mandate_type\": \"\ubc18\ubcf5\ud558\ub294 \uacbd\uc6b0 \ubc18\ubcf5\" \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \uc5c6\uc74c # BBPS \uccad\uad6c \ud544\uc218 \uc0ac\ud56d<br>\r\n<\/code><\/pre>\n<p>3.<em><strong>\uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \ud2b8\ub799\uc758 \uc6b0\uc120\uc21c\uc704 \uc9c0\uc815<\/strong><\/em>::<\/p>\n<blockquote>\n<p>\ud83d\udccc B2B \uacf5\uae09\ub9dd \uae08\uc735 &gt; \ud83c\udfe5 \ud5ec\uc2a4\ud14c\ud06c \uacb0\uc81c &gt; \u2708\ufe0f UPI \ud574\uc678 \uc5ec\ud589 \uc120\ubd88 \uce74\ub4dc<\/p>\n<\/blockquote>\n<p>\uc774\ub7ec\ud55c \uc9c0\uc18d\uc801\uc778 \ud1b5\ud569\uc73c\ub85c \uc778\ud574 2030\ub144\uae4c\uc9c0 \ubaa8\ub4e0 \uc778\ub3c4 \uc131\uc778\uc740 \ud3c9\uade0 3\uac1c \uc774\uc0c1\uc758 \uacb0\uc81c \uc218\ub2e8\uc744 \uc0ac\uc6a9\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc778\ud504\ub77c \uc218\uc900\uc758 \ud45c\uc900\ud654\ub85c \uc778\ud574 \uc778\ub3c4\ub294 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0 \uacb0\uc81c \uae30\uc220\uc744 \uc218\ucd9c\ud558\ub294 \uad6d\uac00\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc218\ucd9c.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uae34\ubc00\ud55c \ud1b5\ud569\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ud540\ud14c\ud06c \ubd84\uc57c\uc5d0\uc11c \uc911\uc694\ud55c \ubcc0\ud654\uc600\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":[38],"tags":[],"class_list":["post-2540","post","type-post","status-publish","format-standard","hentry","category-38"],"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\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408 - 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, 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content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-11T04:00:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts142.mm.bing.net\/th?q=phonepe141\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" 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