{"id":2558,"date":"2025-05-11T12:37:11","date_gmt":"2025-05-11T04:37:11","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2558"},"modified":"2025-05-11T12:37:11","modified_gmt":"2025-05-11T04:37:11","slug":"%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e5%8f%b2%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/11\/%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e5%8f%b2%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85\/","title":{"rendered":"\ud0dc\uad6d \uacb0\uc81c\uc758 \uc5ed\uc0ac: \ud604\uae08\uc5d0\uc11c \ub514\uc9c0\ud138 \uc9c0\uac11\uae4c\uc9c0"},"content":{"rendered":"<p>\ud0dc\uad6d\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc9c4\ud654\ub294 \uc804\ud1b5\uc801\uc778 \ud604\uae08 \uae30\ubc18 \uc0ac\ud68c\uc5d0\uc11c \uc810\ucc28 \ub2e4\uc591\ud55c \ub514\uc9c0\ud138 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub85c \uc774\ub3d9\ud558\ub294 \uacbd\uc81c\uc758 \ud604\ub300\ud654 \ubc0f \ub514\uc9c0\ud138\ud654\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ud0dc\uad6d\uc758 \uacb0\uc81c \uc5ed\uc0ac\uc5d0 \ub300\ud55c \uc8fc\uc694 \ub2e8\uacc4\uc640 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>1. \uc804\ud1b5\uc801\uc778 \ud604\uae08\uc774 \uc9c0\ubc30\uc801\uc774\uc5c8\ub358 \uc2dc\uae30(20\uc138\uae30 \uc774\uc804)<\/strong><\/h3>\n<ul>\n<li><strong>\uc0ac\ud68c \uacbd\uc81c\uc801 \ub9e5\ub77d<\/strong>\uc8fc\ub85c \ub18d\uc5c5 \uacbd\uc81c\ub85c, \uc18c\uc561 \uac70\ub798\uac00 \ube48\ubc88\ud558\uace0 \ud604\uae08\uc774 \uc808\ub300\uc801\uc778 \ud45c\uc900\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\ud2b9\uc218\uc131<\/strong>::\n<ul>\n<li>\ub192\uc740 \ud604\uae08 \uc758\uc874\ub3c4(2010\ub144 \ud604\uae08 \uac70\ub798\uc561 901\uc870 3,000\uc5b5 \ub2ec\ub7ec \uc774\uc0c1).<\/li>\n<li>\ub18d\ucd0c \uc9c0\uc5ed\uc758 \ub0ae\uc740 \uc740\ud589 \uc11c\ube44\uc2a4 \ucee4\ubc84\ub9ac\uc9c0\uc640 \ucde8\uc57d\ud55c \uae08\uc735 \uc778\ud504\ub77c.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \uc740\ud589 \uce74\ub4dc\uc640 \uc804\uc790 \uc81c\ud488\uc758 \ub4f1\uc7a5(1990\ub144\ub300-2000\ub144\ub300)<\/strong><\/h3>\n<ul>\n<li><strong>\uc8fc\uc694 \ub9c8\uc77c\uc2a4\ud1a4<\/strong>::\n<ul>\n<li><strong>1997\ub144 \uc544\uc2dc\uc544 \uae08\uc735 \uc704\uae30 \uc774\ud6c4<\/strong>\ud0dc\uad6d \uc911\uc559\uc740\ud589\uc740 ATM\uacfc \uc9c1\ubd88\uce74\ub4dc \ubcf4\uae09\uc744 \uc704\ud55c \uae08\uc735 \uac1c\ud601\uc744 \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>2003\ub144 BAHTNET \uc2dc\uc2a4\ud15c \uac00\ub3d9<\/strong>\uc740\ud589 \uac04 \uc1a1\uae08\uc758 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uae30 \uc704\ud55c \uc2e4\uc2dc\uac04 \uace0\uc561 \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc124\uc815\ub41c \uacbd\uacc4 \ub0b4\uc5d0\uc11c \uc81c\ud55c<\/strong>::<br \/>\n\uc2e0\uc6a9\uce74\ub4dc\ub294 \ub3c4\uc2dc \uc911\uc0b0\uce35\uc5d0 \uad6d\ud55c\ub418\uc5b4 \uc788\uc73c\uba70 POS \ubcf4\uae09\ub960\uc774 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \ubaa8\ubc14\uc77c \uacb0\uc81c\uc640 \ub514\uc9c0\ud138 \uc9c0\uac11\uc758 \ubd80\uc0c1(2010\ub144\ub300~2020\ub144\ub300)<\/strong><\/h3>\n<h4><strong>(1) QR \uacb0\uc81c\uc758 \ud601\uc2e0\uc801\uc778 \ud601\uc2e0<\/strong><\/h4>\n<ul>\n<li><strong>2017\ub144 \ud0dc\uad6d \uc740\ud589, \ud504\ub86c\ud504\ud2b8\ud398\uc774\uc758 \uc120\ub450\uc8fc\uc790<\/strong>::<br \/>\n2\ubc14\ud2b8\uc5d0 \ubd88\uacfc\ud55c \ub9e4\uc6b0 \ub0ae\uc740 \uc218\uc218\ub8cc(\uc608: \uc740\ud589 \uac04 \uc1a1\uae08)\ub85c \ud734\ub300\ud3f0\/\uc2e0\ubd84\uc99d \ubc88\ud638 \uae30\ubc18\uc758 \uc778\uc2a4\ud134\ud2b8 \uc1a1\uae08 \uc2dc\uc2a4\ud15c\uc774 \ube60\ub974\uac8c 1,000\ub9cc \uba85\uc758 \uc0ac\uc6a9\uc790\ub97c \ub3cc\ud30c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\uc0ac\ub840(\ubc95\ub960)<\/em>\ud504\ub86c\ud504\ud2b8\ud398\uc774\ub294 2021\ub144\uc5d0 50\uc5b5 \uac74\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud588\uc73c\uba70, \uc774 \uc911 \ube44\ud604\uae08 \uac70\ub798\uac00 601\uc870 3,000\uc5b5 \uac74\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>(2) \uc288\ud37c \uc571 \uc0dd\ud0dc\uacc4\uc5d0\uc11c\uc758 \uacbd\uc7c1<\/strong><\/h4>\n<ul>\n<li><em>\ud2b8\ub8e8\uba38\ub2c8<\/em> (Ant Group\uc758 \uc77c\ubd80): \uc804\ud654 \uc694\uae08 \ucda9\uc804, \uccad\uad6c\uc11c \uacb0\uc81c, \ud574\uc678 \uc1a1\uae08(\ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 \uc5ec\ub7ec \uad6d\uac00 \uc5f0\uacb0)\uc744 \ud1b5\ud569\ud569\ub2c8\ub2e4.<\/li>\n<li><em>GrabPay<\/em> \/ <em>\ub77c\uc778 \ud398\uc774<\/em> \ud0dd\uc2dc\/\uc18c\uc15c \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc758\uc874\ud558\ub294 \ud3d0\uc1c4 \ub8e8\ud504 \uacb0\uc81c.<\/li>\n<\/ul>\n<h3><strong>4. \ub514\uc9c0\ud138 \uc9c0\uac11\uacfc \ud540\ud14c\ud06c\uc758 \ud3ed\ubc1c\uc801 \uc131\uc7a5(2020\ub144\ub300~\ud604\uc7ac)<\/strong><\/h3>\n<h4><strong>(1) \uc804\uc5fc\ubcd1\uc73c\ub85c \uc778\ud55c \ud604\uae08 \uc5c6\ub294 \uc0ac\ud68c \uac00\uc18d\ud654<\/strong><\/h4>\n<ul>\n<li><strong>\ub370\uc774\ud130 \ud558\uc774\ub77c\uc774\ud2b8<\/strong>::\n<ul>\n<li>\ud0dc\uad6d\uc758 \uc804\uc790\uacb0\uc81c \uac70\ub798\ub7c9\uc740 2020\ub144\uc5d0 751\uc870 3\ucc9c\uc5b5 \ub2ec\ub7ec\ub85c \uc99d\uac00\ud558\uace0 \ub514\uc9c0\ud138 \uc9c0\uac11 \uc0ac\uc6a9\uc790\ub294 4\ucc9c 3\ubc31\ub9cc \uba85(\uc804\uccb4 \uc778\uad6c\uc758 601\uc870 3\ucc9c\uc5b5 \uba85 \uc774\uc0c1)\uc744 \ub3cc\ud30c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n<li>\ud504\ub86c\ud504\ud2b8\ud398\uc774\ub294 \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc815\ubd80 \ubcf4\uc870\uae08(\uc608: \"1\uc778\ub2f9 \uc808\ubc18\" \uc18c\ube44\uc790 \ubcf4\uc870\uae08 \ud504\ub85c\uadf8\ub7a8)\uc758 \uc8fc\uc694 \ucc44\ub110\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>(2) '\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uacb0\uc81c\ud558\ub294 \ubc29\uc2dd(BNPL)'\uc758 \ubd80\uc0c1<\/strong><\/h4>\n<ul>\n<li><em>Atome<\/em>\ubc0f<em>Kredivo<\/em>\ub77c\uc790\ub2e4\uc640 \uc1fc\ud53c \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc80a\uc740 \uc18c\ube44\uc790\ub97c \uc720\uce58\ud558\uae30 \uc704\ud574 \ud560\ubd80\ub97c \ucd9c\uc2dc\ud558\uae30 \uc704\ud574 \ud798\uc744 \ud569\ucce4\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\ubc45\ud0b9 \uac00\ub2a5\ud55c BNPL<\/em>\uc608\ub97c \ub4e4\uc5b4, \uce74\uc2dc\ucf58\ubc45\ud06c\uc5d0\uc11c \"K PLUS SHOP NOW PAY LATER\"\ub97c \uc785\ub825\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>(3) CBDC \uc2dc\ubc94 \uc6b4\uc601 \ubc0f \uad6d\uacbd \uac04 \uacb0\uc81c \ud611\ub825<\/strong><\/h4>\n<ul>\n<li><strong>\uc18c\ub9e4 \ub514\uc9c0\ud138 \ud654\ud3d0 \ud14c\uc2a4\ud2b8<\/strong>2022\ub144 \ud0dc\uad6d \uc740\ud589, \uae30\uc5c5 \uae09\uc5ec \ubc0f \uc815\ubd80 \ubcf5\uc9c0 \ubd84\ubc30 \uc2dc\ub098\ub9ac\uc624\ub97c \uc2e4\ud5d8\ud558\uae30 \uc704\ud574 CBDC \uc0cc\ub4dc\ubc15\uc2a4 \ucd9c\uc2dc.<\/li>\n<li><strong>\uc9c0\uc5ed \uc5f0\uacc4<\/strong>\uc544\uc138\uc548 QR \ud45c\uc900\uc744 \ud1b5\ud55c \ub9d0\ub808\uc774\uc2dc\uc544 \ubc0f \uc2f1\uac00\ud3ec\ub974\uc640\uc758 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc2a4\uce90\ub108 \uacb0\uc81c \uc0c1\ud638 \uc5f0\uacb0.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. \ud604\uc7ac \ud328\ud134\uacfc \uacfc\uc81c(2023\ub144-\ubbf8\ub798)<\/strong><\/h3>\n<h4><strong>(1) \uacc4\uce35\ud654\ub41c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uacbd\uc7c1<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>\ud50c\ub808\uc774\uc5b4 \uc720\ud615<\/strong><\/th>\n<th><strong>\ub300\ud45c \uae30\uc5c5\/\uc81c\ud488<\/strong><\/th>\n<th><strong>\uac15\uc810 \ubd84\uc57c<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\ub85c\uceec \ubc45\ud0b9 \uc2dc\uc2a4\ud15c<\/em><\/td>\n<td>SCB Easy, K PLUS<\/td>\n<td>\ub192\uc740 \uc2e0\ub8b0\ub3c4, \uc644\ubcbd\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \ubc94\uc704<\/td>\n<\/tr>\n<tr>\n<td><em>\ud1b5\uc2e0\/\uc804\uae30\ud559\uacfc<\/em><\/td>\n<td>\ud2b8\ub8e8\uba38\ub2c8, \uc1fc\ud53c\ud398\uc774<\/td>\n<td>\uc0ac\uc6a9 \ube48\ub3c4\uac00 \ub192\uc740 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \uc2dc\ub098\ub9ac\uc624, \ub0ae\uc740 \uc218\uc218\ub8cc<\/td>\n<\/tr>\n<tr>\n<td><em>\uae00\ub85c\ubc8c \uac70\uc778<\/em><\/td>\n<td>\uadf8\ub7a9\ud398\uc774, \uc54c\ub9ac\ud398\uc774+<\/td>\n<td>\uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \uc0dd\ud0dc, \uad00\uad11 \uc18c\ube44 \uc2dc\ub098\ub9ac\uc624<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>(2) \ubcf4\ub958 \uc911\uc778 \uacfc\uc81c<\/strong><\/h4>\n<ul>\n<li><strong>\uae08\uc735 \ud3ec\uc6a9\uc758 \ub9c8\uc9c0\ub9c9 1\ud0ac\ub85c\ubbf8\ud130<\/strong>:: 301\ub9cc 3\ucc9c \uba85\uc758 \uc131\uc778\uc774 \uc5ec\uc804\ud788 \uacf5\uc2dd \uae08\uc735 \uc2dc\uc2a4\ud15c\uc5d0 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4(\uc138\uacc4\uc740\ud589 \ub370\uc774\ud130).<\/li>\n<li><em><strong>\uaddc\uc81c \uade0\ud615<\/strong><\/em>:: \ud601\uc2e0\uc744 \uc7a5\ub824\ud558\uba74\uc11c \uc0ac\uae30(\uc608: \uac00\uc9dc QR\ucf54\ub4dc)\uc758 \uc704\ud5d8\uc744 \uc5b4\ub5bb\uac8c \ubc29\uc9c0\ud560 \uc218 \uc788\uc744\uae4c\uc694?<\/li>\n<li><em><strong>\uc0dd\ud0dc\uc801 \ud30c\ud3b8\ud654<\/strong><\/em>\uc0ac\uc6a9\uc790\ub294 \ub2e4\uc591\ud55c \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub300\ucc98\ud558\uae30 \uc704\ud574 \uc5ec\ub7ec \uc571\uc744 \uc124\uce58\ud574\uc57c \ud558\ubbc0\ub85c \ud1b5\ud569\uc774 \uc2dc\uae09\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>[\ud2b8\ub80c\ub4dc \uc804\ub9dd]<\/strong><\/h3>\n<ol>\n<li><strong>\uc784\ubca0\ub514\ub4dc \uae08\uc735(EF)<\/strong> :: \uc18c\uc15c \uc571 \ub0b4\uc5d0\uc11c \uc9c1\uc811 \ub300\ucd9c \ubc0f \ubcf4\ud5d8 \ud310\ub9e4.<\/li>\n<li><em><strong>\uc0dd\uccb4 \uc778\uc2dd \uacb0\uc81c<\/strong><\/em>:: \uc5bc\uad74\/\uc74c\uc131 \uc9c0\ubb38 \uc778\uc99d\uc774 \uc810\ucc28 OTP \ube44\ubc00\ubc88\ud638\ub97c \ub300\uccb4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em><strong>\ubc14\ud2b8 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc2e4\ud5d8<\/strong><\/em>:: \ubbfc\uac04 \uae30\uad00, \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c\ub97c \uc704\ud574 \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc0ac\uc6a9\uc744 \ubaa8\uc0c9\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<p>\ud0dc\uad6d\uc740 \ubd88\uacfc 10\ub144 \ub9cc\uc5d0 \uce74\ub4dc \uc2dc\ub300\ub97c \ub118\uc5b4 \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uc120\ub450\uc8fc\uc790\ub85c \ub3c4\uc57d\ud588\uc9c0\ub9cc, \ub2e4\uc74c \ub2e8\uacc4\uc758 \uacbd\uc7c1\ub825\uc740 '\ub9ce\uace0 \ud769\uc5b4\uc838 \uc788\ub294' \ud604\uc9c0\ud654\ub41c \uc194\ub8e8\uc158\uc5d0\uc11c \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ud638\ud658\ub418\ub294 \ub514\uc9c0\ud138 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