{"id":2640,"date":"2025-05-13T10:59:37","date_gmt":"2025-05-13T02:59:37","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2640"},"modified":"2025-05-13T10:59:37","modified_gmt":"2025-05-13T02:59:37","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e7%9a%84%e6%8c%91%e6%88%98%e4%b8%8e%e6%94%bf%e7%ad%96%e8%a7%a3%e8%af%bb","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e7%9a%84%e6%8c%91%e6%88%98%e4%b8%8e%e6%94%bf%e7%ad%96%e8%a7%a3%e8%af%bb\/","title":{"rendered":"\ud544\ub9ac\ud540 \uacb0\uc81c \uc0b0\uc5c5\uc758 \uacfc\uc81c\uc640 \uc815\ucc45 \ud574\uc11d"},"content":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc0b0\uc5c5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \uc131\uc7a5\ud588\uc9c0\ub9cc \uc5ec\ub7ec \uac00\uc9c0 \ub3c4\uc804 \uacfc\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc5c5\uacc4 \ud604\ud669, \ud575\uc2ec \uacfc\uc81c \ubc0f \uc815\ucc45 \ud658\uacbd\uc5d0 \ub300\ud55c \uc804\ubb38\uc801\uc778 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<h3>I. \uc0b0\uc5c5 \ud604\ud669 \ubc0f \uc131\uc7a5 \ub3d9\ub825<\/h3>\n<ol>\n<li><strong>\ub514\uc9c0\ud138 \uacb0\uc81c \ubcf4\uae09\ub960<\/strong>2023\ub144 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790 4\ucc9c\ub9cc \uba85(\uc778\uad6c\uc758 361\uc8703\ucc9c\uc5b5 \uba85), \uadf8\ub7ec\ub098 \uc5ec\uc804\ud788 \ud604\uae08\uc774 \uc18c\ub9e4 \uacb0\uc81c\uc758 701\uc8703\ucc9c\uc5b5 \ub2ec\ub7ec\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc8fc\uc694 \ud50c\ub808\uc774\uc5b4 \ud658\uacbd<\/strong>::\n<ul>\n<li>\uae30\uc874 \uc740\ud589: BDO \uc720\ub2c8\ubc45\ud06c, \ub79c\ub4dc\ubc45\ud06c<\/li>\n<li>\uc804\uc790\uc9c0\uac11: GCash(\uc2dc\uc7a5 \uc810\uc720\uc728 60%), Maya(\uc774\uc804 PayMaya)<\/li>\n<li>\ud574\uc678 \uacb0\uc81c: \uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628, \ub9ac\uc544<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc778\ud504\ub77c \ubcd1\ubaa9 \ud604\uc0c1<\/strong>::\n<ul>\n<li>\uc740\ud589 \uacc4\uc88c \ubcf4\uae09\ub960\uc740 56%(BSP \ub370\uc774\ud130)\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc804\uad6d\uc801\uc73c\ub85c 20,000\ub300 \ubbf8\ub9cc\uc758 ATM<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. \ud575\uc2ec \uc6b4\uc601 \uacfc\uc81c<\/h3>\n<ol>\n<li>\n<p><strong>\uae09\uc99d\ud558\ub294 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9<\/strong>::<\/p>\n<ul>\n<li>AMLC \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uaddc\uc815\uc5d0 \ub530\ub77c 50\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc758 \ubaa8\ub4e0 \uac70\ub798\ub294 \ubcf4\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc740 \uacb0\uc81c \uae30\uad00\uc5d0 \"3\ub2e8\uacc4 \ub77c\uc774\uc120\uc2a4 \uc2dc\uc2a4\ud15c\"\uc744 \uc801\uc6a9\ud558\uba70, \ucd5c\uc18c \uc790\ubcf8\uae08 \uc694\uac74\uc740 100\ub9cc \ud544\ub9ac\ud540 \ub2ec\ub7ec\uc5d0\uc11c 1\uc5b5 \ud544\ub9ac\ud540 \ub2ec\ub7ec\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uae30\uc220 \uaca9\ucc28 \ubb38\uc81c<\/strong>::<br \/>\n\ub18d\ucd0c \uc9c0\uc5ed\uc758 4G \ucee4\ubc84\ub9ac\uc9c0\uac00 40% \ubbf8\ub9cc\uc774\uc5b4\uc11c QR\ucf54\ub4dc \uacb0\uc81c \ud65c\uc131\ud654\uc5d0 \uac78\ub9bc\ub3cc\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p><strong>\uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \uc5b4\ub824\uc6c0<\/strong>::<br \/>\n\ud544\ub9ac\ud540 \uccad\uc0b0\uc18c(PCHC)\ub97c \ud1b5\ud55c PHP-USD \uacb0\uc81c\ub294 \ud3c9\uade0 48\uc2dc\uac04\uc774 \uc18c\uc694\ub418\uc5b4 \uc544\uc138\uc548 \uc8fc\ubcc0\uad6d\ubcf4\ub2e4 \ub290\ub9bd\ub2c8\ub2e430%<\/p>\n<\/li>\n<\/ol>\n<h3>III. \uc8fc\uc694 \uc815\ucc45 \uac1c\ubc1c \ud604\ud669 \ubd84\uc11d<\/h3>\n<ol>\n<li>\n<p><strong>\ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc704\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c<\/strong>(2020):<\/p>\n<ul>\n<li>\ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc0c1\uc5c5 \uc740\ud589\uc758 \ud558\uc704 \ubc94\uc8fc\ub85c \ubcc4\ub3c4 \ubd84\ub958\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc790\ubcf8 \uc801\uc815\uc131 \ube44\uc728 121%(\uae30\uc874 \uc740\ud589\uc758 101%\ubcf4\ub2e4 \ub192\uc740 \uc218\uc900)\ub97c \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>NRPS(\uad6d\uac00 \uc18c\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c) \uc9c4\ud589 \uc0c1\ud669:<br \/>\n\uc815\ubd80\ub294 \ubaa8\ub4e0 \uacf5\uacf5\uae30\uad00\uc758 InstaPay \ubc0f PESONet \uc811\uc18d\uc744 \uc758\ubb34\ud654\ud558\uace0 \uc788\uc9c0\ub9cc, \uc2e4\uc81c \uc811\uc18d\uc740 62%(2023\ub144 2\ubd84\uae30 \uae30\uc900)\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>\uad50\ud658 \uad00\ub9ac \ud2b9\ubcc4 \uc870\ud56d<\/strong>::<br \/>\n\uc678\uad6d\ud658\uac70\ub798\ubc95\uc5d0 \ub530\ub77c \ud574\uc678 \uc1a1\uae08\uc744 \ucde8\uae09\ud558\ub294 \ube44\uc740\ud589 \uacb0\uc81c \uae30\uad00\uc740 \uc6d4 \ud3c9\uade0 \uac70\ub798\ub7c9\uc758 15%\uc5d0 \ud574\ub2f9\ud558\ub294 \ubbf8\ud654 \uae30\uc900 \ucd94\uac00 \uc9c0\uae09\uc900\ube44\uae08\uc744 \ubcf4\uc720\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h3>[\uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d]<\/h3>\n<p>\ud544\ub9ac\ud540 \uc2dc\uc7a5 \uc9c4\ucd9c\uc744 \uacc4\ud68d\ud558\uace0 \uc788\ub294 \uae30\uc5c5\uc740 \ub2e4\uc74c \uc0ac\ud56d\uc5d0 \uc8fc\ubaa9\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<ul>\n<li>BSP\uac00 \ub3c4\uc785\ud558\ub294 \uae08\uc735 \ud3ec\uc6a9\uc131 \uc9c0\uc218(FII) \ud3c9\uac00 \uc9c0\ud45c\uc758 \ubcc0\uacbd \uc0ac\ud56d<\/li>\n<li>\ud540\ud14c\ud06c \uc0cc\ub4dc\ubc15\uc2a4 \uaddc\uc815\uc758 \uc0dd\uccb4\uc778\uc99d \uacb0\uc81c\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uc870\ud56d<\/li>\n<li>SEC\uc758 \ub2e4\uac00\uc624\ub294 STO(\uc99d\uad8c\ud615 \ud1a0\ud070) \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc554\ud638\ud654\ud3d0 \uacb0\uc81c\uc5d0 \ubbf8\uce60 \uc7a0\uc7ac\uc801 \uc601\ud5a5<\/li>\n<\/ul>\n<p>\ud604\uc7ac \uae30\uac04\uc5d0\ub294 \uc678\uad6d\uc778 \uc9c0\ubd84 \uc81c\ud55c(\ud604\uc7ac \ucd5c\ub300 40%\uae4c\uc9c0 \ud5c8\uc6a9)\uc744 \uc6b0\ud68c\ud558\uae30 \uc704\ud574 \ubcf4\uc774\uc800 \uc774\ub178\ubca0\uc774\uc158\uc2a4\uc640 \uac19\uc740 \ud604\uc9c0 \ub77c\uc774\uc120\uc2a4 \uc0ac\uc6a9\uc790\uc640 \ud569\uc791 \ud22c\uc790 \ubc95\uc778\uc744 \uc6b0\uc120\uc801\uc73c\ub85c \uc124\ub9bd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>\ud544\ub9ac\ud540 \uacb0\uc81c \uc0b0\uc5c5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d \ubc0f \uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d(\uacc4\uc18d)<\/strong><\/h3>\n<h4><strong>IV. \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc640 \uc2dc\uc7a5 \uae30\ud68c<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88)\uc758 \ubd80\uc0c1<\/strong><\/p>\n<ul>\n<li>\uc2dc\uc7a5 \uaddc\ubaa8\ub294 2023\ub144\uae4c\uc9c0 $2.5B\uc5d0 \ub3c4\ub2ec\ud558\uc5ec 45%\uc758 CAGR\ub85c \uc131\uc7a5\ud569\ub2c8\ub2e4(\uc8fc\uc694 \uc5c5\uccb4: GCash GGives, Maya Credit).<\/li>\n<li>BSP\ub294 BNPL \uc81c\uacf5\uc5c5\uccb4\uac00 \uae08\uc735\ud68c\uc0ac \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud558\uace0 30% \ucd5c\ub300 \uc774\uc790\uc728 \uc81c\ud55c\uc744 \uc900\uc218\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0) \uccb4\ud5d8\ud310<\/strong><\/p>\n<ul>\n<li>BSP, 2\uacc4\uce35 \uc544\ud0a4\ud14d\ucc98(\ub3c4\ub9e4 \uc740\ud589 \uac04 + \uc81c\ud55c\ub41c \uc18c\ub9e4 \uc2dc\ub098\ub9ac\uc624)\ub85c \"\ud504\ub85c\uc81d\ud2b8 CBDCPh\" \ud30c\uc77c\ub7ff \ucd9c\uc2dc<\/li>\n<li>\ud604\uc7ac \ud574\uc678 \uc1a1\uae08 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ud14c\uc2a4\ud2b8 \ucc38\uc5ec\ub294 \ub79c\ub4dc\ubc45\ud06c\uc640 DBP\ub85c \uc81c\ud55c\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ud68d\uae30\uc801\uc778 \ud3ec\uc778\ud2b8<\/strong><\/p>\n<ul>\n<li>\uadf8\ub7a9 \ud30c\uc774\ub0b8\uc15c\uacfc CIMB \uc740\ud589, '\uc288\ud37c \uc571\uc5d0\uc11c \uc9c1\uc811 \uacc4\uc88c \uac1c\uc124' \ubaa8\ub378\ub85c \uacf5\ub3d9 \uacc4\uc88c \ucd9c\uc2dc<\/li>\n<li>\uc0c8\ub85c\uc6b4 SEC \uaddc\uc815\uc5d0 \ub530\ub77c \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uae08\uc735 \ub77c\uc774\uc120\uc2a4\ub97c \ud1b5\ud574 \uc2b9\uc778\ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h4><strong>V. \uc678\uad6d \uc790\ubcf8 \uc9c4\uc785\uc744 \uc704\ud55c \ud575\uc2ec \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uacbd\ub85c \ubd84\uc11d<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\uc561\uc138\uc2a4 \ubaa8\ub4dc<\/th>\n<th>\uc801\uc6a9 \uac00\ub2a5\ud55c \uac1c\uccb4<\/th>\n<th>\ud575\uc2ec \uc694\uad6c \uc0ac\ud56d<\/th>\n<th>\uc2dc\uac04 \uc8fc\uae30<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>EMI \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad<\/strong>(\uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc790)<\/td>\n<td>\ub3c5\ub9bd\uc801\uc73c\ub85c \uc6b4\uc601\ub418\ub294 \ub514\uc9c0\ud138 \uc9c0\uac11 \ud68c\uc0ac<\/td>\n<td>- \ub0a9\uc785 \uc790\ubcf8\uae08 1\uc5b5 PHP<br \/>- IT \uc2dc\uc2a4\ud15c \ubcf4\uc548 \uc218\uc900\uc5d0 \ub300\ud55c BSP \ud604\uc7a5 \uc810\uac80<\/td>\n<td>14-18\uac1c\uc6d4<\/td>\n<\/tr>\n<tr>\n<td><strong>\uc870\uc778\ud2b8 \ubca4\ucc98(JV)<\/strong><br \/>(\uc608: Ant+GCash \ubaa8\ub378)<\/td>\n<td>\ube60\ub974\uac8c \uc2dc\uc791\ud558\ub824\ub294 \uae00\ub85c\ubc8c \uac70\ub300 \uae30\uc5c5\ub4e4<\/td>\n<td>-\ud544\ub9ac\ud540 \ubcf4\uc720\ub7c9 \u2265 60%<br \/>-IFEX \ub77c\uc774\uc120\uc2a4 \ucd94\uac00 \uc2e0\uccad\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td>\n<td>9~12\uac1c\uc6d4<\/td>\n<\/tr>\n<tr>\n<td><strong>\uae30\uc220 \ucd9c\ub825\ubb3c(\ud654\uc774\ud2b8 \ub77c\ubca8 \ud504\ub85c\uadf8\ub7a8)<\/strong><br \/>(\uc608: PayMaya\uc758 Voyager \ud50c\ub7ab\ud3fc)<\/td>\n<td>SaaS \uae30\uc220 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc758 \uc9c0\ubd84 \uc81c\ud55c \ud68c\ud53c<\/td>\n<td>-\ud604\uc9c0\ud654\ub41c \ub370\uc774\ud130 \uc800\uc7a5\uc18c(\ud544\ub9ac\ud540\uc5d0 \ub370\uc774\ud130 \uc13c\ud130 \ud544\uc694)<br \/>-\uc774\uc775 \uc1a1\uae08 \uc6d0\ucc9c\uc9d5\uc218\uc138 15%<\/td>\n<td>&lt;6\uac1c\uc6d4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>[\ub77c\uc774\ube0c \uc0ac\ub840] GCash\uc758 \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \ucc28\uc785<\/strong><\/h4>\n<ul>\n<li>AI \ubc14\ub78c \uc81c\uc5b4 \uc2dc\uc2a4\ud15c 'FraudMark'\uc758 \uc2e4\uc2dc\uac04 \ucc28\ub2e8\uc728 98%, \ud575\uc2ec \uc694\uc18c:\n<ol>\n<li>SIM \uce74\ub4dc \ubc14\uc778\ub529 \uc0dd\uccb4 \uc778\uc2dd(\ud544\uc218 \uc5bc\uad74 + \uc74c\uc131 \uc778\uc99d)<\/li>\n<li>\ube44\uc815\uc0c1\uc801\uc778 \ub85c\uadf8\uc778\uc5d0 \ub300\ud55c GIS \uc9c0\ub9ac\uc801 \uc704\uce58 \ucd94\uc801<br \/>\n3) \ubbf8\uad6d \uc0ac\uae30 \ubc29\uc9c0 \uae30\uad00 Feedzai\uc640 \ud611\ub825\ud558\uc5ec \ube14\ub799\ub9ac\uc2a4\ud2b8 \ub77c\uc774\ube0c\ub7ec\ub9ac \uad6c\ucd95<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<h4><strong>[\uaddc\uc81c \ub808\ub4dc\ub77c\uc778 \uacbd\uace0]<\/strong><\/h4>\n<p>\ucd5c\uadfc BSP\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ud589\uc704\uc5d0 \ub300\ucc98\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>'\ub300\ud589\uc0ac \ucda9\uc804 \uc0c1\uc810'\uc758 \ud55c\ub3c4 \ucd08\uacfc \uc6b4\uc601(1\uc77c \ucd5c\ub300 \ucd1d\uc561 100\ub9cc PHP)<\/li>\n<li>USDT\uc640 \uac19\uc740 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc744 \uc704\ud55c \ubbf8\uc2e0\uace0 \uc7a5\uc678 \uac70\ub798\uc18c<\/li>\n<li>\"\ud734\uba74 \uacc4\uc88c\" \uad00\ub9ac \ubbf8\ud761(12\uac1c\uc6d4 \ub3d9\uc548 \uac70\ub798 \uacc4\uc88c\uac00 \uc5c6\ub294 \uacbd\uc6b0 KYC\ub97c \ub2e4\uc2dc \ud574\uc57c \ud568)<\/li>\n<\/ul>\n<h3>[2024\ub144 \uc8fc\uc694 \uc815\ucc45 \ubc14\ub78c]<\/h3>\n<ol>\n<li>\uc624\ud508 \ubc45\ud0b9 \ud504\ub808\uc784\uc6cc\ud06c\uc758 2\ub2e8\uacc4 \ucd9c\uc2dc: \ubaa8\ub4e0 \uc0c1\uc5c5 \uc740\ud589\uc774 API\ub97c \ud1b5\ud574 \uace0\uac1d \ub370\uc774\ud130\ub97c \uc758\ubb34\uc801\uc73c\ub85c \uacf5\uc720(ISO 20022 \uc900\uc218\uc5d0 \ub530\ub984).<\/li>\n<li>NRPS \uc5c5\uadf8\ub808\uc774\ub4dc \ud504\ub85c\uadf8\ub7a8: 2025\ub144\uae4c\uc9c0 T+1\uc5d0\uc11c T0\uc73c\ub85c PESONet \ud074\ub9ac\uc5b4 \ubaa9\ud45c \ub2ec\uc131<\/li>\n<li>FATF \ud3c9\uac00 \ud6c4\uc18d \uc870\uce58: \ud544\ub9ac\ud540\uc774 \uadf8\ub808\uc774 \ub9ac\uc2a4\ud2b8\uc5d0\uc11c \ubc97\uc5b4\ub098\uc9c0 \ubabb\ud558\uba74 \ub354 \uc5c4\uaca9\ud55c CTR(\ud604\uae08 \uac70\ub798 \ubcf4\uace0) \uae30\uc900\uc774 \uc801\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uc774\ubbf8 \ud544\ub9ac\ud540\uc5d0\uc11c \ud65c\ub3d9 \uc911\uc778 \ud68c\uc6d0\ub2d8\uc758 \uacbd\uc6b0 \uc989\uc2dc \uc774 \uc791\uc5c5\uc744 \uc644\ub8cc\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<br \/>\nEMI \ub77c\uc774\uc120\uc2a4 \uc0ac\uc6a9\uc790\ub97c \uc704\ud55c \uc5f0\uac04 \uaddc\uc815 \uc900\uc218 \uac10\uc0ac \ub9c8\uac10\uc77c\uc740 \ub9e4\ub144 3\uc6d4 31\uc77c\uc785\ub2c8\ub2e4.<br \/>\n3\ubd84\uae30\uae4c\uc9c0 NRPS \uc2dc\uc2a4\ud15c \uc778\ud130\ud398\uc774\uc2a4\ub97c \uc704\ud55c \uae30\uc220\uc801 \uc218\uc815 \uc644\ub8cc<br \/>\n\ud658\uc728 \uac1c\uc785 \uac00\ub2a5\uc131\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 3\uac1c\uc6d4 \uc6b4\uc601 \ube44\uc6a9\uc5d0 \ud574\ub2f9\ud558\ub294 \ubbf8\uad6d \ub2ec\ub7ec \uc720\ub3d9\uc131\uc744 \ubcf4\uc720\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\uc815 \uc601\uc5ed\uc758 \uc6b4\uc601 \uc138\ubd80 \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud544\uc694\uc131\uc740 \ub354 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>\ud544\ub9ac\ud540 \uacb0\uc81c \uc0b0\uc5c5\uc744 \uc704\ud55c \uc2ec\uce35\uc801\uc778 \uc804\ub7b5 \uc218\ub9bd \ubc0f \uc2e4\ud589 \ud504\ub85c\uadf8\ub7a8<\/strong><\/h3>\n<h4><strong>VI. \uc138\ubd84\ud654\ub41c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \ud68d\uae30\uc801\uc778 \uc804\ub7b5<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>\ub18d\ucd0c \uae08\uc735 \ud3ec\uc6a9\uc744 \uc704\ud55c \ub77c\uc2a4\ud2b8 \ub9c8\uc77c \uacf5\uaca9<\/strong><\/p>\n<ul>\n<li>\ubc14\ub791\uac00\uc774 \ud398\uc774 \ud5c8\ube0c \ud504\ub85c\uadf8\ub7a8(\ub9c8\uc744 \uc5d0\uc774\uc804\ud2b8 \ud3ec\uc778\ud2b8)\uc740 \ud604\uc9c0 \uc815\ubd80\uc640 \ud568\uaed8 \uc2dc\ud589\ub418\uace0 \uc788\uc73c\uba70, \uac01 \uc0ac\uc774\ud2b8\ub9c8\ub2e4 \ud544\uc694\ud569\ub2c8\ub2e4:<br \/>\nBSP \uc778\uc99d \uc0dd\uccb4 \uc778\uc2dd POS \ub2e8\ub9d0\uae30 \uc7a5\ucc29<br \/>\n\uc0c1\ub2f4\uc6d0\uc740 80\uc2dc\uac04\uc758 \uae08\uc735 \uaddc\uc815 \uc900\uc218 \uad50\uc721\uc744 \uc774\uc218\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc815\ucc45 \ubcf4\ub108\uc2a4: \uc9c0\ubc29 \ub514\uc9c0\ud138 \uac70\ub798\uc5d0 \ub300\ud55c 21 TP3T \ubd80\uac00\uac00\uce58\uc138 \uac10\uba74(2025\ub144 \ub9d0\uae4c\uc9c0)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uacb0\uc81c \uc194\ub8e8\uc158 \uc124\uacc4<\/strong><\/p>\n<ul>\n<li>\ub77c\uc790\ub2e4\/\uc1fc\ud53c \uc140\ub7ec\uc758 \ud2b9\ubcc4\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud569\ub2c8\ub2e4:<br \/>\n- PHP-CNY \uc9c1\uc811 \uc5f0\uacb0 \uacb0\uc81c \ucc44\ub110(SWIFT \ud68c\ud53c, 1.8% \ud658\uc804 \uc190\uc2e4 \uc808\uc57d)<br \/>\n- \ub3d9\uc801 \uc99d\uac70\uae08 \uba54\ucee4\ub2c8\uc998(\ud55c \ub2ec \uac70\ub798\ub7c9\uc774 20%\ub97c \ucd08\uacfc\ud560 \uacbd\uc6b0 $500,000 \ub3d9\uacb0)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>OFW(\ud574\uc678 \ub178\ub3d9 \uc1a1\uae08) \uc0dd\ud0dc \uc7ac\uac74<\/strong><br \/>\n| \uae30\uc874 \ubaa8\ub378\uc758 \ubb38\uc81c\uc810 | \ud601\uc2e0\uc801\uc778 \uc194\ub8e8\uc158<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| \uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628 \ud3c9\uade0 \uc218\uc218\ub8cc 6% | \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ucf54\ub9ac\ub3c4 \ub124\ud2b8\uc6cc\ud06c(PHP-USDT-HKD, 1.2%\ub85c \ube44\uc6a9 \uc5b5\uc81c)| \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ucf54\ub9ac\ub3c4 \ub124\ud2b8\uc6cc\ud06c(PHP-USDT-HKD, \ube44\uc6a9 \uc5b5\uc81c)<br \/>\n| 3\uc77c \uc774\uc0c1 \uc18c\uc694\ub418\ub294 KYC \uc911\ubcf5 \uc778\uc99d | MyInfo \ud544\ub9ac\ud540\uc758 \uad6d\uac00 \ub514\uc9c0\ud138 ID \uc790\ub3d9 \uc778\uc99d \uc2dc\uc2a4\ud15c \ub3c4\ud0b9|<\/p>\n<\/li>\n<\/ol>\n<h4><strong>VII. \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \uc900\uc218 \uc0ac\ud56d \ubaa9\ub85d<\/strong> (BSP \ud68c\ub78c 1088\ud638 \uae30\uc900)<\/h4>\n<ul>\n<li>\u2611\ufe0f \uae30\ubcf8 \uc13c\ud130\uc640 \ubc31\uc5c5 \uc13c\ud130\uac00 50km \uc774\uc0c1 \ub5a8\uc5b4\uc838 \uc788\ub294 \uacf5\ub3d9 \ubc30\uce58\ub41c \uc774\uc911 \ud65c\uc131 \ub370\uc774\ud130 \uc13c\ud130\uc5d0 \ubc30\ud3ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\u2611\ufe0f \ubaa8\ub4e0 \ubbfc\uac10\ud55c \ub370\uc774\ud130 \uc554\ud638\ud654\ub294 FIPS 140-2 \ub808\ubca83\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\u2611\ufe0f \uc740 \ub9e4\uc77c \uc624\uc804 3\uc2dc\uc5d0 \ud558\ub8e8 \uc885\uc77c \uac70\ub798\ub41c \ud788\ud2b8\ub9f5 \ub370\uc774\ud130\ub97c BSP\uc5d0 \uc790\ub3d9\uc73c\ub85c \ubcf4\uace0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>[\ube44\uc6a9 \uad6c\uc870 \ucd5c\uc801\ud654 \uc0ac\ub840] \ub9c8\uc57c \uc6d4\ub81b\uc758 \uc6b4\uc601 \ubaa8\ub378 \ud574\uccb4<\/strong><\/h4>\n<pre><code class=\"language-text\">\uc0ac\uc6a9\uc790\ub2f9 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9(PHP):<br>\r\n- \ud398\uc774\uc2a4\ubd81 \uad11\uace0 85\ud398\uc18c <br>\r\n- OTC \uc5d0\uc774\uc804\ud2b8 \uc218\uc218\ub8cc 120\ud398\uc18c <br>\r\n- \uadf8\ub7a9\uc571 \uc778\ud4e8\uc804 60\ud398\uc18c <br>\r\n<br>\r\n\uc218\uc775\uc131 \uade0\ud615\uc810 \ubd84\uc11d:<br>\r\n\u2192 \ub2e8\uc77c \uc0ac\uc6a9\uc790\uac00 \uc5f0\uac04 \ud3c9\uade0 23\ud68c \uc774\uc0c1 200\ud398\uc18c \uc774\uc0c1\uc758 \uac70\ub798\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<br>\r\n\u2192 \uc815\ubd80 \ubcf4\uc870\uae08\uc73c\ub85c 151\uac1c TP3T \ub18d\ucd0c \uc0ac\uc6a9\uc790\ub4e4\uc758 O&amp;M \ube44\uc6a9\uc744 \ucda9\ub2f9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>\n<h4><strong>[\ub808\uadf8\ud14c\ud06c \ub3c4\uad6c \uad8c\uc7a5 \uc0ac\ud56d]<\/strong><\/h4>\n<p>1\ufe0f\u20e3 \uac00\uc0c1 \uc790\uc0b0 \ubaa8\ub2c8\ud130\ub9c1\uc744 \uc704\ud55c \uccb4\uc778\ub110\ub9ac\uc2dc\uc2a4 \ub9ac\uc561\ud130(BSP AML Circular 942 \uc694\uac74 \ucda9\uc871)<br \/>\n2\ufe0f\u20e3 10\ubd84\ub9c8\ub2e4 \uc2a4\uce94\ub418\ub294 \uc218\ubc31\ub9cc \uac74\uc758 \uac70\ub798\uc5d0 \ub300\ud55c \uc2e4\uc2dc\uac04 \ub9ac\uc2a4\ud06c \uc2a4\ucf54\uc5b4\ub9c1\uc744 \uc9c0\uc6d0\ud558\ub294 SAS AML<br \/>\n3\ufe0f\u20e3 \uc8fc\ubbf8\uc624 KYX \ud50c\ub7ab\ud3fc\uc740 \ud544\ub9ac\ud540 \uc2e0\uc6d0 \ud655\uc778\ubc95\uc744 \uc900\uc218\ud558\ub294 eKYC \ud504\ub85c\uc138\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<h3>[\uc704\uae30 \ub300\uc751 \uacc4\ud68d] \ub2e4\uc74c \uc2dc\ub098\ub9ac\uc624\uac00 \ubc1c\uc0dd\ud55c \uacbd\uc6b0:<\/h3>\n<p>\ud83d\uded1 BSP \ubd88\uc2dc IT \uc2dc\uc2a4\ud15c \uc810\uac80 \u2192 ISO22301 \ube44\uc988\ub2c8\uc2a4 \uc5f0\uc18d\uc131 \uacc4\ud68d BCP\uc758 7\uc7a5 \ud504\ub85c\uc138\uc2a4 \uc989\uc2dc \uc2dc\uc791<br \/>\n\ud83d\uded1 PCHC \uccad\uc0b0 \uc2dc\uc2a4\ud15c \ub2e4\uc6b4 \u2192 \ube44\uc0c1 \ucc44\ub110\ub85c BAHTNET \ud0dc\uad6d\uc73c\ub85c \uc790\ub3d9 \uc804\ud658(5\uc5b5 \ubc14\ud2b8 \uc120\uc785\uae08 \ud544\uc694)<br \/>\nUSDT \ud658\uc728 \uae09\ubcc0 \u2192 \uc54c\uace0\ub9ac\uc998 \ud5e4\uc9c0 \uc9c0\uc2dc\ub97c \ud2b8\ub9ac\uac70\ud558\uc5ec \ubc14\uc774\ub0b8\uc2a4 PH \uacc4\uc57d \uc2dc\uc7a5\uc5d0\uc11c \uc5ed \ud3ec\uc9c0\uc158 \uac1c\uc124<\/p>\n<h3>[2024\ub144 \uc8fc\uc694 \ucc29\ub959 \ub2e8\uacc4 \ud0c0\uc784\ub77c\uc778]<\/h3>\n<pre><code class=\"language-mermaid\">gantt<br>\r\n    \uc81c\ubaa9 \uacb0\uc81c \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \uc77c\uc815(EMI \uce74\ud14c\uace0\ub9ac)<br>\r\n    \ub0a0\uc9dc \ud615\uc2dd YYYY-MM-DD<br>\r\n    <br>\r\n    \uc139\uc158 \uc0ac\uc804 \uc2e0\uccad \ub2e8\uacc4    <br>\r\n    \ud0c0\ub2f9\uc131 \uc870\uc0ac : \uc644\ub8cc, DES1,2024-01-01,30D    <br>\r\n    \ud604\uc9c0 \ubc95\uc778 \ub4f1\ub85d :active,des2,2024-02<br>\r\n<\/code><\/pre>","protected":false},"excerpt":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc0b0\uc5c5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \uc131\uc7a5\ud588\uc9c0\ub9cc \uc5ec\ub7ec \uac00\uc9c0 \ub3c4\uc804 \uacfc\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ud604\uc7a5\uc758 \uacfc\uc81c\ub97c \uc694\uc57d\ud55c \uac83\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":[32],"tags":[],"class_list":["post-2640","post","type-post","status-publish","format-standard","hentry","category-32"],"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>\u83f2\u5f8b\u5bbe\u652f\u4ed8\u884c\u4e1a\u7684\u6311\u6218\u4e0e\u653f\u7b56\u89e3\u8bfb - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta 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