{"id":2617,"date":"2025-05-13T10:39:12","date_gmt":"2025-05-13T02:39:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2617"},"modified":"2025-05-13T10:39:12","modified_gmt":"2025-05-13T02:39:12","slug":"%e5%8d%b0%e5%b0%bc%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/13\/%e5%8d%b0%e5%b0%bc%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%94%a8%e6%88%b7%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9\uc790 \ud589\ub3d9 \ubd84\uc11d"},"content":{"rendered":"<p>\uc544\ub798\ub294 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9\uc790 \ud589\ub3d9\uc5d0 \ub300\ud55c \uc804\ubb38 \ubd84\uc11d \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uc8fc\uc694 \uc778\uc0ac\uc774\ud2b8\ub97c \ucc38\uace0\ud560 \uc218 \uc788\ub294 \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<p>I. \uc2dc\uc7a5 \uc0c1\ud669\uc758 \ud2b9\uc131<\/p>\n<ol>\n<li>\uc778\uad6c\ud1b5\uacc4\ud559\uc801 \ubc30\ub2f9 \ud61c\ud0dd:<\/li>\n<\/ol>\n<ul>\n<li>2\uc5b5 7\ucc9c\ub9cc \uc778\uad6c \uc911 35\uc138 \ubbf8\ub9cc\uc758 \ub514\uc9c0\ud138 \ub124\uc774\ud2f0\ube0c \ube44\uc728\uc774 \ub192\uc740 50% \uc774\uc0c1<\/li>\n<li>\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc740 2023\ub144 731\uc870 3\ucc9c\uc5b5 \ub300\uc5d0 \ub2ec\ud558\uc9c0\ub9cc \uc740\ud589 \uacc4\uc88c \ubcf4\uc720\ub294 491\uc870 3\ucc9c\uc5b5 \ub300\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc778\ud504\ub77c \uae30\ub2a5:<\/li>\n<\/ol>\n<ul>\n<li>\uc544\uce58\ud3a0\ub77c\uace0\uc758 \uc9c0\ub9ac\uc801 \ud2b9\uc131\uc73c\ub85c \uc778\ud574 OMO(\uc628\ub77c\uc778-\ubcd1\ud569-\uc624\ud504\ub77c\uc778) \uacb0\uc81c\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/li>\n<li>QRIS \uad6d\uac00 QR\ucf54\ub4dc \ud45c\uc900 \uc801\uc6a9 \ubc94\uc704\uac00 90% \uac00\ub9f9\uc810(2024\ub144)\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>II. \ud575\uc2ec \uc0ac\uc6a9\uc790 \ud504\ub85c\ud544 \uacc4\uce35\ud654<\/p>\n<ol>\n<li>\uc5b4\ubc18 \ub514\uc9c0\ud138 \uc5d8\ub9ac\ud2b8(\uc790\uce74\ub974\ud0c0\/\uc218\ub77c\ubc14\uc57c):<br \/>\n- GoPay\/Ovo \uace0\ube48\ub3c4 \uc0ac\uc6a9\uc790, \uc6d4 \ud3c9\uade0 22\uac74 \uc774\uc0c1\uc758 \uac70\ub798 \uac74\uc218<br \/>\n- \uc120\ud638 \uc2dc\ub098\ub9ac\uc624: \uc628\ub77c\uc778 \ub80c\ud130\uce74(37%), \uc628\ub77c\uc778 \uc18c\ub9e4(29%), \uccad\uad6c\uc11c \uacb0\uc81c<\/li>\n<\/ol>\n<p>2. \uc2e0\ud765 \uc911\uc0b0\uce35(2\uc120 \ub3c4\uc2dc):<br \/>\n- \ub2e4\ub098\/\ub9c1\ud06c\uc544\uc790 \uc8fc\uc694 \uc0ac\uc6a9\uc790, \uc804\ub144 \ub300\ube44 \uc6d4\uac04 \ub77c\uc774\ube0c \uc131\uc7a5\ub960 181% \ub2ec\uc131<br \/>\n- \uc885\ub7c9\uc81c \uc0ac\uc6a9\ub960\uc774 \uc804\ub144 \ub300\ube44 421% \uc99d\uac00\ud55c 3\uc870 3,000\uc5b5 \ub2ec\ub7ec(Kredivo \ub370\uc774\ud130)<\/p>\n<p>3. \uae08\uc735 \ud3ec\uc6a9 \uadf8\ub8f9(\ub18d\ucd0c\/\ube44\uacf5\uc2dd \uace0\uc6a9):<br \/>\n- ShopeePay\uac00 \ubcf4\uae09\ub960 \uc120\ub450, \uc18c\uc15c \uc774\ucee4\uba38\uc2a4\ub97c \ud1b5\ud55c \uccab \uac70\ub798 61% \ub2ec\uc131<br \/>\n- \ud604\uae08 \ucda9\uc804\uc740 \uc5ec\uc804\ud788 \uc8fc\uc694 \uc785\uae08 \ubc29\uc2dd\uc785\ub2c8\ub2e4(78% \uac70\ub798\ub7c9).<\/p>\n<p>\ud589\ub3d9 \ud2b8\ub80c\ub4dc \uc778\uc0ac\uc774\ud2b8<br \/>\n1. \uc2dc\ub098\ub9ac\uc624 \uce68\ud22c \uacbd\ub85c:<\/p>\n<ul>\n<li>'\uc288\ud37c \uc571+\uacb0\uc81c' \ubaa8\ub378 \uc6b0\uc138: \uace0\uc81d\/\uc1fc\ud53c\/\ud1a0\ucf54\ud53c\ub514\uc544 \uc0dd\ud0dc\uacc4 \uacb0\uc81c \uc804\ud658\uc728 83% \ub2ec\uc131<\/li>\n<li>\ub77c\ub9c8\ub2e8 \uae30\uac04 \ub3d9\uc548 P2P \uc804\uc1a1\uc774 \uae09\uc99d(\uc77c \ud3c9\uade0 \uac70\ub798\ub7c9 2,40% \uae09\uc99d)<\/li>\n<\/ul>\n<p>2. \uc2e0\ub8b0 \uad6c\ucd95 \uba54\ucee4\ub2c8\uc998:<\/p>\n<h3><strong>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9\uc790 \ud589\ub3d9 \ubd84\uc11d(\uacc4\uc18d)<\/strong><\/h3>\n<h4><strong>2. \uc2e0\ub8b0 \uad6c\ucd95 \uba54\ucee4\ub2c8\uc998<\/strong><\/h4>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \uc2e0\ub8b0\ub3c4\ub294 \uc8fc\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \uc5ec\ub7ec \uc694\uc778\uc5d0 \uc758\ud574 \uc601\ud5a5\uc744 \ubc1b\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\ube0c\ub79c\ub4dc \uc9c0\uc9c0\uc640 \uc0dd\ud0dc\uc801 \uc758\uc874\uc131<\/strong><\/p>\n<ul>\n<li>\uc0ac\uc6a9\uc790\uac00 \ud575\uc2ec \uc11c\ube44\uc2a4(\ud0dd\uc2dc, \uc804\uc790\uc0c1\uac70\ub798)\uc5d0 \uc758\uc874\ud558\uac8c \ub418\uba74\uc11c \ud604\uc9c0 \uc288\ud37c \uc571(\uc608: Gojek, Shopee)\uc5d0\uc11c \uacb0\uc81c \uae30\ub2a5\uc758 \uc218\uc6a9\ub3c4\uac00 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4.<\/li>\n<li>OVO\ub294 Grab\uacfc\uc758 \uae34\ubc00\ud55c \uc81c\ud734\ub97c \ud1b5\ud574 \uc628\ub77c\uc778 \ud0dd\uc2dc \uc5c5\uacc4\uc5d0\uc11c \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc73c\uba70, DANA\ub294 \ub77c\uc778\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc80a\uc740 \uc18c\uc15c \uc0ac\uc6a9\uc790\ub4e4\uc5d0\uac8c \ub2e4\uac00\uac00\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ud604\uae08 \ucda9\uc804 \ubc0f \uc5d0\uc774\uc804\ud2b8 \ub124\ud2b8\uc6cc\ud06c\uc758 \uc811\uadfc\uc131<\/strong><\/p>\n<ul>\n<li>\uc740\ud589 \uacc4\uc88c \ubcf4\uae09\ub960\uc774 \ub0ae\uae30 \ub54c\ubb38\uc5d0 Super 70% \uc0ac\uc6a9\uc790\ub294 \uc804\uc790\uc9c0\uac11 \ucda9\uc804 \uc2dc \uc5ec\uc804\ud788 \uc624\ud504\ub77c\uc778 \ub300\ub9ac\uc810 \ud3ec\uc778\ud2b8(\uc54c\ud30c\ub9c8\ud2b8\/\uc778\ub3c4\ub9c8\ud2b8)\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>'\ud604\uae08 \uc785\uae08 \u2192 \ucf54\ub4dc \uacb0\uc81c' \ubaa8\ub378\uc740 \uc2e0\uaddc \uc0ac\uc6a9\uc790\uac00 \uc2dc\ub3c4\ud560 \uc218 \uc788\ub294 \ubb38\ud131\uc744 \ub0ae\ucd94\uc9c0\ub9cc, \ube48\ub3c4\uac00 \ub192\uc740 \uace0\uc561 \uac70\ub798\ub294 \uc81c\ud55c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ubcf4\uc548 \uc778\uc2dd \ubc0f \uc704\ud5d8 \uad00\ub9ac \uad50\uc721<\/strong><\/p>\n<ul>\n<li>\uc0dd\uccb4\uc778\uc99d \uc0ac\uc6a9\ub960\uc740 38%(\ub3d9\ub0a8\uc544\uc2dc\uc544 \ud3c9\uade0\ubcf4\ub2e4 \ub0ae\uc74c)\uc5d0 \ubd88\uacfc\ud558\uba70, \uc5ec\uc804\ud788 SMS OTP\uac00 \uac00\uc7a5 \ub9ce\uc774 \uc0ac\uc6a9\ub418\ub294 \uc778\uc99d \uc218\ub2e8\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc0ac\uae30 \ubd88\ub9cc \uc911 '\ud5c8\uc704 \uace0\uac1d \uc11c\ube44\uc2a4 \uc0ac\uae30'\uac00 621\uac74\uc73c\ub85c \uac00\uc7a5 \ub192\uc740 \ube44\uc728\uc744 \ucc28\uc9c0\ud588\ub294\ub370, \uc774\ub294 \uacf5\uc2dd \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \ucc44\ub110\uc5d0 \ub300\ud55c \uc0ac\uc6a9\uc790 \uc778\uc2dd\uc774 \ubd80\uc871\ud558\ub2e4\ub294 \uac83\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc885\uad50 \ubc0f \ubb38\ud654\uc801 \uc601\ud5a5<\/strong>::<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li><em>\uc774\uc2ac\ub78c \uae08\uc735 \uaddc\uc815 \uc900\uc218<\/em>\uc0e4\ub9ac\uc544 \uc6d0\uce59\uc744 \uc900\uc218\ud558\ub294 \uc804\uc790\uc9c0\uac11(\uc608: \ub9c1\ud06c\uc544\uc790 \uc0e4\ub9ac\uc544)\uc774 \ubb34\uc2ac\ub9bc \ucee4\ubba4\ub2c8\ud2f0\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uc18d\ub3c4\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4(\uc5f0\uac04 56%).<\/li>\n<li><em>\uc18c\uc15c \ucd94\ucc9c \ud6a8\uacfc<\/em>\uce5c\uad6c\uc640 \uac00\uc871 \uac04\uc758 \uc804\uc1a1\uc740 P2P \ud2b8\ub798\ud53d\uc758 75%\ub97c \ucc28\uc9c0\ud558\ub294 \uc9c0\uc778 \ub124\ud2b8\uc6cc\ud06c \ub0b4 \uac70\ub798\ub85c, \ucd08\uae30 \ub3c4\uc785\uc758 \uc8fc\uc694 \ub3d9\ub825\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h4><strong>IV. \uc131\uc7a5\uc758 \uac78\ub9bc\ub3cc\uacfc \ub3cc\ud30c\uad6c \ub9c8\ub828 \ubc29\ud5a5<\/strong><\/h4>\n<ol>\n<li><strong>\uae30\uc874 \uacfc\uc81c<\/strong><\/li>\n<\/ol>\n<ul>\n<li><em>\uace0\ub974\uc9c0 \uc54a\uc740 \uc7a5\uba74 \ucee4\ubc84\ub9ac\uc9c0<\/em>\ube44 1\uc120 \ub3c4\uc2dc \uc911\uc18c\uc0c1\uc778\uc758 QR\ucf54\ub4dc \uc0ac\uc6a9\ub960\uc740 \uc5ec\uc804\ud788 40%\ubcf4\ub2e4 \ub0ae\uace0 \ud604\uae08 \uacb0\uc81c \uad00\uc131\uc774 \uace0\ucc29\ud654\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\ub2e8\uc77c \uc218\uc775 \ubaa8\ub378<\/em>\uc1a1\uae08 \uc218\uc218\ub8cc \uc678\uc5d0 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\uac00 \ub9e4\ucd9c\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc740 151\uc870 \uc6d0 \ubbf8\ub9cc\uc785\ub2c8\ub2e4(\uc911\uad6d \uc2dc\uc7a5\uc758 \uacbd\uc6b0 351\uc870 \uc6d0).<\/li>\n<li><em>\uaddc\uc81c \ud30c\ud3b8\ud654<\/em>\uad6d\uacbd \uac04 \uacb0\uc81c \ubc0f \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \uc911\uc559\uc740\ud589(BI)\uc758 \uc81c\ud55c\uc73c\ub85c \uc778\ud574 \uc6b4\uc601 \ube44\uc6a9\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>2.<strong>\uac8c\uc784\uc744 \uae68\uae30 \uc704\ud55c \uc81c\uc548 \uc804\ub7b5<\/strong><br \/>\n\u2460 <em><strong>\uc2e0\uc6a9 \uc2dc\uc2a4\ud15c \uc811\ubaa9<\/strong><\/em>::<\/p>\n<ul>\n<li>\uc6b0\ub9ac\ub294 BNI\/\ub9cc\ub514\ub9ac \ubc0f \ub2e4\ub978 \uc740\ud589\ub4e4\uacfc \uc190\uc744 \uc7a1\uace0 \uc2e0\uc6a9 \ub370\uc774\ud130 \uccb4\uc778\uc744 \uac1c\ubc29\ud558\uace0 3C \uce74\ud14c\uace0\ub9ac\ub97c \ub118\uc5b4 BNPL(\uc885\ub7c9\uc81c)\uc758 \uc801\uc6a9\uc744 \ud655\ub300\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n\u2461 <em><strong>\uc624\ud504\ub77c\uc778 \uc7a5\uba74 \uacf5\uaca9<\/strong><\/em>::<\/li>\n<li>'\uc624\ud1a0\ubc14\uc774 \ub77c\uc774\ub354 + POS \uae30\uae30'\uc758 \uc870\ud569\uc73c\ub85c \uc640\ub8fd(\uc2dd\ub8cc\ud488\uc810)\uc5d0\uc11c \uc6d0\ud65c\ud55c \ub514\uc9c0\ud138 \uad6c\ub9e4\uac00 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4.<br \/>\n(iii) <em><strong>\uac8c\uc784\ud654 \uc6b4\uc601<\/strong><\/em>::<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\ub2e4\uc74c\uc740 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9\uc790 \ud589\ub3d9\uc5d0 \ub300\ud55c \uc804\ubb38\uc801\uc778 \ubd84\uc11d \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uc8fc\uc694 \uc778\uc0ac\uc774\ud2b8\uc785\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":[39],"tags":[],"class_list":["post-2617","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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