{"id":2756,"date":"2025-05-16T19:08:58","date_gmt":"2025-05-16T11:08:58","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2756"},"modified":"2025-05-16T19:08:58","modified_gmt":"2025-05-16T11:08:58","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/16\/%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%b5%e5%ad%90%e9%92%b1%e5%8c%85%e6%b8%97%e9%80%8f%e7%8e%87%e6%9c%89%e5%a4%9a%e9%ab%98%ef%bc%9f\/","title":{"rendered":"\ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc740 \uc5b4\ub290 \uc815\ub3c4\uc778\uac00\uc694?"},"content":{"rendered":"

\ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc740 \uc5bc\ub9c8\ub098 \ub192\uc2b5\ub2c8\uae4c? 2024\ub144 \ucd5c\uc2e0 \ub370\uc774\ud130 \ubd84\uc11d<\/h1>\n

\ud544\ub9ac\ud540 \uc804\uc790\uc9c0\uac11 \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n

\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ud544\ub9ac\ud540\uc740 \uc804\uc790\uacb0\uc81c \uc0b0\uc5c5\uc5d0\uc11c \uc804\ub840 \uc5c6\ub294 \uc131\uc7a5\uc744 \uacbd\ud5d8\ud588\uc2b5\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc740 \uacc4\uc18d \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc2e0 \uc2dc\uc7a5 \uc870\uc0ac \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc804\uc790\uc9c0\uac11\uc744 \uc0ac\uc6a9\ud574 \ubcf8 \ud544\ub9ac\ud540 \uc131\uc778\uc758 \ube44\uc728\uc740 2023\ub144 \ub9d0\uae4c\uc9c0 671%\uc5d0 \ub2ec\ud574 2019\ub144\uc758 351%\uc5d0\uc11c \uac70\uc758 \ub450 \ubc30\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc774\ub7ec\ud55c \ube60\ub978 \uc131\uc7a5\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 \uc99d\uac00(\ud604\uc7ac \uc57d 75%), \uc778\ud130\ub137 \uc778\ud504\ub77c \uac1c\uc120, \ub274 \ud06c\ub77c\uc6b4 \uc720\ud589 \uae30\uac04 \ub3d9\uc548\uc758 \ube44\uc811\ucd09 \uacb0\uc81c \uc99d\uac00 \ub4f1 \uba87 \uac00\uc9c0 \uc8fc\uc694 \uc694\uc778\uc5d0 \uc758\ud574 \ucd09\uc9c4\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \ubaa8\ubc14\uc77c \uacb0\uc81c \ud50c\ub7ab\ud3fc \uc911 GCash\uc640 PayMaya(\ud604\uc7ac\ub294 Maya\ub85c \uba85\uce6d \ubcc0\uacbd)\uac00 80% \uc774\uc0c1\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\ub85c \uc555\ub3c4\uc801\uc778 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud2b9\ud788, \ub3c4\uc2dc \uc9c0\uc5ed(\uba54\ud2b8\ub85c \ub9c8\ub2d0\ub77c\uc5d0\uc11c 821 TP3T\uc5d0 \ub2ec\ud568)\uc758 \uc0ac\uc6a9\ub7c9\uc774 \ub354 \ub192\uc9c0\ub9cc, \ub18d\ucd0c \uc9c0\uc5ed\uc774 \ub354 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc5b4(\uc5f0\uac04 281 TP3T) \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc774 \ud070 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \ub2e4\uc591\ud55c \uc18c\ub4dd \uacc4\uce35\uc5d0 \ub9de\ub294 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ucd9c\uc2dc\ud568\uc5d0 \ub530\ub77c 2025\ub144\uc5d0\ub294 \uc804\uad6d \ud3c9\uade0 \ubcf4\uae09\ub960\uc774 751 TP3T\ub97c \ub118\uc5b4\uc124 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n

\ubcf4\uae09\ub960\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc8fc\uc694 \ub3d9\uc778<\/h2>\n

\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960<\/strong>\ud544\ub9ac\ud540\uc5d0\uc11c \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc744 \ucd09\uc9c4\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc785\ub2c8\ub2e4. \ud1b5\uacc4 \uae30\uad00\uc5d0 \ub530\ub974\uba74 \ud544\ub9ac\ud540\uc758 \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc790\ub294 2023\ub144\uc5d0 \uc57d 8,500\ub9cc \uba85(\uc804\uccb4 \uc778\uad6c\uc758 781%)\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc5ec\uc804\ud788 \ub9e4\ub144 8~101%\uc529 \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\" '\ubaa8\ubc14\uc77c \uc6b0\uc120\uc8fc\uc758'\ub294 \ud604\uc9c0 \uc18c\ube44\uc790 \ud589\ub3d9\uc758 \ud575\uc2ec \ud2b9\uc9d5\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc815\ubd80 \uc815\ucc45\uc740 \ub2e4\uc74c\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.\uae08\uc735 \ud3ec\uc6a9\uc131<\/strong>\uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud588\uc2b5\ub2c8\ub2e4.2023\ub144\uae4c\uc9c0 50% \uc18c\ub9e4 \uac70\ub798\ub97c \ub514\uc9c0\ud138\ud654\ud55c\ub2e4\ub294 \ubaa9\ud45c(\uc774\ubbf8 \ub2ec\uc131)\uc640 2030\ub144\uae4c\uc9c0 70% \uc131\uc778 \uc778\uad6c\uac00 \uc815\uc2dd \uc740\ud589 \uacc4\uc88c \ub610\ub294 \uc804\uc790 \ud654\ud3d0 \uacc4\uc88c\ub97c \ubcf4\uc720\ud55c\ub2e4\ub294 \uacc4\ud68d\uc744 \uba85\uc2dc\uc801\uc73c\ub85c \uc124\uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.2023\ub144\uae4c\uc9c0 50% \uc18c\ub9e4 \uac70\ub798\ub97c \ub514\uc9c0\ud138\ud654\ud55c\ub2e4\ub294 \ubaa9\ud45c\ub97c \ub2ec\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \ub514\uc9c0\ud138 \uacb0\uc81c \uc804\ud658 \ub85c\ub4dc\ub9f5(BSP)\ub3c4 \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4(\uc774\ubbf8 \ub2ec\uc131).<\/p>\n

\uc778\uad6c\uc758 36%\ub97c \ucc28\uc9c0\ud558\ub294 15~34\uc138 \uadf8\ub8f9\uc740 \uc0c8\ub85c\uc6b4 \uae30\uc220 \uc11c\ube44\uc2a4\ub97c \uc2dc\ub3c4\ud558\ub824\ub294 \uc758\uc9c0\uac00 \uac15\ud558\uace0, \ud574\uc678 \uadfc\ub85c\uc790\uc758 \uc1a1\uae08 \uc218\uc694\ub85c \uc778\ud574 \uad00\ub828 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624 \uac1c\ubc1c\uc774 \ucd09\uc9c4\ub418\ub294 \ub4f1 \uc80a\uc740 \uc778\uad6c\uc758 \ucc44\ud0dd \uc18d\ub3c4\ub3c4 \ube68\ub77c\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc138\uacc4\uc740\ud589 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uacf5\uc2dd \ucc44\ub110\uc744 \ud1b5\ud574 \uc1a1\uae08\ub41c \ubbf8\ud654 360\uc5b5 \ub2ec\ub7ec \uc911 \uc57d 25%-30%\uac00 \ub514\uc9c0\ud138 \ucc44\ub110\ub85c \uc804\ud658\ub418\uc5b4 \ucc98\ub9ac\ub418\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc804\ud1b5 \uc2dd\ud488 \uc2dc\uc7a5(\uc0ac\ub9ac\uc810)\ubd80\ud130 \uc288\ud37c\ub9c8\ucf13 \uccb4\uc778\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 150\ub9cc \uac1c \uc774\uc0c1\uc758 \uac00\ub9f9\uc810\uc774 \uc8fc\ub958 \uc804\uc790\uc9c0\uac11 \uacb0\uc81c \uc218\ub2e8\uc744 \uc9c0\uc6d0\ud558\uba70, \ucf54\ub85c\ub09819 \ubc1c\uc0dd \uc774\ud6c4 \uc18c\ube44 \uc2b5\uad00\uc744 \uc720\uc9c0\ud574 \uc628 \uc0ac\uc6a9\uc790 \uc911 72%(BSP \uc870\uc0ac \ub370\uc774\ud130)\uac00 \uc624\ud504\ub77c\uc778 \uc1fc\ud551\uc774 \uc7ac\uac1c\ub418\ub354\ub77c\ub3c4 \uacc4\uc18d\ud574\uc11c \ubaa8\ubc14\uc77c \uacb0\uc81c \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud574 \uac70\ub798\ub97c \uc644\ub8cc\ud558\uaca0\ub2e4\uace0 \uc751\ub2f5\ud558\ub294 \ub4f1 \uac00\ub9f9\uc810 \uc218\uc6a9\ub3c4\uac00 \ud06c\uac8c \uc99d\uac00\ud55c \uc810\uc774 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4.<\/p>\n

GCash\uc640 \ub9c8\uc57c\uc758 \uacbd\uc7c1 \uc2dc\uc7a5 \ud658\uacbd<\/h2>\n

\uacbd\uc7c1\uc774 \uce58\uc5f4\ud55c \uc2dc\uc7a5\uc5d0\uc11c GCash \uc6b4\uc601\uc790 Mynt<\/strong>(\uae00\ub85c\ube0c \ud154\ub808\ucf64\uacfc \uc564\ud2b8 \uadf8\ub8f9\uc758 \ud569\uc791\uc0ac)\ub294 \uc120\ubc1c \uc8fc\uc790\uc758 \uc774\uc810\uc744 \ubc14\ud0d5\uc73c\ub85c \ud65c\uc131 \uc0ac\uc6a9\uc790 \uc218\uac00 7,600\ub9cc \uba85(\uc804\uad6d 7,161\ub9cc \uba85\uc5d0 \ud574\ub2f9)\uc744 \ub3cc\ud30c\ud558\uace0 \uc77c \ud3c9\uade0 \uac70\ub798\ub7c9\uc774 1,800\ub9cc \uac74 \uc774\uc0c1\uc5d0 \ub2ec\ud558\ub294 \ub4f1 \uc120\ub450\ub97c \ub2ec\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc131\uacf5\uc758 \ube44\uacb0\uc740 \uae30\ubcf8\uc801\uc778 \uc1a1\uae08 \uae30\ub2a5 \uc678\uc5d0\ub3c4 \ud22c\uc790(GInvest), \uc2e0\uc6a9(GCredit), \ubcf4\ud5d8 \ub4f1 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud55c \uc644\ubcbd\ud55c \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc5d0 \uc788\uc73c\uba70, \ud2b9\ud788 \uc138\ube10\uc77c\ub808\ube10 \ub4f1 \ud3b8\uc758\uc810\uacfc\uc758 \ud611\ub825\uc744 \ud1b5\ud574 \ub300\uaddc\ubaa8 \ud604\uae08 \ucda9\uc804 \ubc0f \uc778\ucd9c \ub124\ud2b8\uc6cc\ud06c\ub97c \uad6c\ucd95\ud568\uc73c\ub85c\uc368 '\ub9c8\uc9c0\ub9c9 1\ud0ac\ub85c\ubbf8\ud130'\uc758 \ubb38\uc81c\ub97c \ud574\uacb0\ud55c \uc810\uc774 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4.<\/p>\n

\uc8fc\uc694 \ub3c4\uc804\uc790\ub85c\uc11c.Maya<\/strong>(\uad6c)PayMaya\/Voyager Innovations\uc758 \ube0c\ub79c\ub4dc\ub294 \uc804\uba74\uc801\uc778 \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \ud1b5\ud574 \uac15\ub825\ud55c \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc73c\uba70, \uc0ac\uc6a9\uc790 \uae30\ubc18\uc774 1\ub144 \ub9cc\uc5d0 47% \ud655\uc7a5\ub418\uc5b4 3,200\ub9cc \uba85\uc5d0 \ub2ec\ud55c\ub2e4\ub294 \ubcf4\uace0\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ucc28\ubcc4\ud654 \uc804\ub7b5\uc73c\ub85c\ub294 1) \uc18c\uae30\uc5c5 \ubc0f \uc911\uc18c\uae30\uc5c5\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uc194\ub8e8\uc158 \ud655\ubcf4, 2) \ub514\uc9c0\ud138 \ubc45\ud0b9\uacfc \uc804\uc790\uc9c0\uac11 \uae30\ub2a5\uc758 \ud601\uc2e0\uc801\uc778 \uacb0\ud569(\ub9c8\uc57c \ubc45\ud06c), 3) \uc80a\uc740 \uc9c1\uc7a5\uc778\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\ub294 BNPL(Buy Now Pay Later) \uc0c1\ud488\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8\ub7a9\ud398\uc774\uc640 \ucf54\uc778\uc2a4(Coins.ph)\uc640 \uac19\uc740 \ub2e4\ub978 \uc5c5\uccb4\ub4e4\uc740 \ud2c8\uc0c8 \uc601\uc5ed\uc5d0\uc11c \uc785\uc9c0\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4: \uadf8\ub7a9\uc740 \uc288\ud37c \uc571 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc5ec\ud589 \ubc0f \ud14c\uc774\ud06c\uc544\uc6c3 \uace0\uac1d \uae30\ubc18\uc744 \uc804\ud658\ud558\uace0, \ucf54\uc778\uc2a4\ub294 \ud2b9\uc815 \uadf8\ub8f9\uc758 \uc0ac\ub78c\ub4e4\uc744 \uc720\uce58\ud558\uae30 \uc704\ud574 \uc554\ud638\ud654\ud3d0 \uad00\ub828 \uc11c\ube44\uc2a4\uc5d0 \uc9d1\uc911\ud569\ub2c8\ub2e4.\ud1a0\ub2c9\uacfc \uc6b0\ub178\ubc45\ud06c \uac19\uc740 \ub514\uc9c0\ud138 \uc740\ud589\ub3c4 \uace0\uc218\uc775 \uc800\ucd95 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uc810\uc720\uc728 \uacbd\uc7c1\uc744 \uc2dc\ub3c4\ud558\uace0 \uc788\uc9c0\ub9cc \uc804\ubc18\uc801\uc73c\ub85c \uadf8 \uc601\ud5a5\ub825\uc740 \uc81c\ud55c\uc801\uc785\ub2c8\ub2e4. \ud1a0\ub2c9\uacfc \uc720\ub178\ubc45\ud06c\uc640 \uac19\uc740 \ub514\uc9c0\ud138 \uc740\ud589\ub3c4 \uace0\uc218\uc775 \uc608\uae08 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uc810\uc720\uc728 \uacbd\uc7c1\uc744 \uc2dc\ub3c4\ud558\uace0 \uc788\uc9c0\ub9cc \uc804\ubc18\uc801\uc778 \uc601\ud5a5\ub825\uc740 \uc81c\ud55c\uc801\uc785\ub2c8\ub2e4.<\/p>\n

\uc2e0\uaddc \uc9c4\uc785\uc790\ub294 \ub192\uc740 \uc7a5\ubcbd\uc5d0 \uc9c1\uba74 - \uaddc\uc81c \ud5c8\uac00(BSP\uac00 \uc5c4\uaca9\ud558\uac8c \ud1b5\uc81c\ud558\ub294 EMI \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09 \uc218\uc640\ub294 \ubcc4\uac1c\ub85c) \uc678\uc5d0\ub3c4 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9\uc774 \ub2e4\uc74c\uacfc \uac19\uc774 \uc0c1\uc2b9\ud588\uc2b5\ub2c8\ub2e4.15-<\/x-equation>20\uba85\/\uba85 \ubc94\uc704\uc640 \ub9ac\ud150\uc158\uc774 \ubb38\uc81c\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5c5\uacc4 \ud3c9\uade0 \ub2e4\uc74c \ub2ec \ub9ac\ud150\uc158\uc740 611\uba85\/3\ucc9c\ub9cc \uc6d0\uc73c\ub85c \uc778\ub3c4\ub124\uc2dc\uc544, \ubca0\ud2b8\ub0a8 \ubc0f \uae30\ud0c0 \uad6d\uac00 \uc218\uc900\ubcf4\ub2e4 \ub0ae\uc544 \uc11c\ube44\uc2a4 \ud488\uc9c8 \uac1c\uc120\uc758 \uc5ec\uc9c0\uac00 \uc5ec\uc804\ud788 \ub0a8\uc544 \uc788\uc74c\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.<\/p>\n

\ud5a5\ud6c4 \uac1c\ubc1c \ub3d9\ud5a5 \uc608\uce21 \ubc0f \ubd84\uc11d<\/h2>\n

\uae30\uc220 \uc735\ud569\uc740 \ub2e4\uc74c \ub2e8\uacc4\uc758 \ubc1c\uc804\uc744 \uc704\ud55c \ud575\uc2ec \ub3d9\ub825\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. 2025\ub144 \ub9d0\uae4c\uc9c0 \uac70\ub798\uc758 40%-45%\uac00 \ube44\ubc00\ubc88\ud638 \uc5c6\uc774 \uc0dd\uccb4 \uc778\uc99d\uc744 \ud1b5\ud574 \uc644\ub8cc\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc744 \uc801\uc6a9\ud558\uba74 \ud574\uc678 \uc1a1\uae08 \ube44\uc6a9\uc774 \uae30\uc874 \ubc29\uc2dd\uc758 1\/3 \uc774\ud558\ub85c \uc904\uc5b4\ub4e4\uc5b4 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc774 \ub354\uc6b1 \ud655\ub300\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. AI \uace0\uac1d \uc11c\ube44\uc2a4 \uc2dc\uc2a4\ud15c\uc758 \uad6c\ucd95\uc740 \uc5b8\uc5b4\uc801 \ub2e4\uc591\uc131\uc73c\ub85c \uc778\ud55c \uc9c0\uc6d0 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uace0 \uc788\uc73c\uba70, \ud544\ub9ac\ud540\uad00\uc5d0\uc11c\ub294 180\uac1c \uc774\uc0c1\uc758 \ubc29\uc5b8\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n

\uaddc\uc81c \ud658\uacbd\uc740 \uacc4\uc18d \uc9c4\ud654\ud560 \uac83\uc785\ub2c8\ub2e4 - BSP\ub294 1) \uc790\uae08\uc138\ud0c1 \ubc29\uc9c0\ub97c \uc704\ud574 \ub354 \uc5c4\uaca9\ud55c KYC \uaddc\uc815\uc744 \uc2dc\ud589\ud558\uace0 2) \uc18c\ube44\uc790 \ubd84\uc7c1 \ud574\uacb0 \uba54\ucee4\ub2c8\uc998\uc744 \uad6c\ucd95\ud558\uba70 3) \uc0c1\ud638\uc6b4\uc6a9\uc131\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uc624\ud508\ubc45\ud0b9 \ud45c\uc900\uc744 \ub3c4\uc785\ud568\uc73c\ub85c\uc368 \ub2e8\uc21c\ud788 \ud601\uc2e0\uc744 \ucd09\uc9c4\ud558\ub294 \uac83\uc5d0\uc11c \ub9ac\uc2a4\ud06c \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c \uac1c\uc120\uc73c\ub85c \ucd08\uc810\uc744 \uc804\ud658\ud560 \uacc4\ud68d\uc774\ub77c\uace0 \ubc1d\ud614\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc870\uce58\ub294 \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc5c5\uacc4\uc758 \uac74\uc804\ud55c \ubc1c\uc804\uc5d0 \ub3c4\uc6c0\uc774 \ub418\uc9c0\ub9cc \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uc77c\ubd80 \uacf5\uaca9\uc801\uc778 \ud655\uc7a5 \uc804\ub7b5\uc744 \uc5b5\uc81c\ud560 \uc218\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc758 \uc9c4\ud654\ub294 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4. \ud604\uc7ac \ub300\ubd80\ubd84\uc758 \ud50c\ub7ab\ud3fc\uc740 \uac70\ub798 \uc218\uc218\ub8cc\uc5d0 \uc8fc\uc694 \uc218\uc775\uc6d0\uc744 \uc758\uc874\ud558\uace0 \uc788\uc9c0\ub9cc, \uc2dc\uc7a5\uc774 \uc131\uc219\ud568\uc5d0 \ub530\ub77c \uad6c\ub3c5 \uae30\ubc18\uc758 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4 \ubc0f \ub370\uc774\ud130 \uc2e4\ud604 \ubc29\uc548\uc774 \ubaa8\uc0c9\ub420 \uac83\uc774\uba70, \ucd5c\uadfc \ucd9c\uc2dc\ub41c GCash\uc758 \ud504\ub9ac\ubbf8\uc5c4 \uba64\ubc84\uc2ed\uacfc \uac19\uc774 \ub3c5\uc810 \ud61c\ud0dd\uacfc \ub354 \ub192\uc740 \uc774\uccb4 \ud55c\ub3c4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc9c0\uc810 \ub124\ud2b8\uc6cc\ud06c \uc5c6\uc774\ub3c4 \uc608\uae08\uc744 \ubc1b\uace0 \ub300\ucd9c\uc744 \ubc1b\uc744 \uc218 \uc788\ub294 \ud2b9\ud30c\uc6d0 \ubc45\ud0b9\uc740 \uc0c8\ub85c\uc6b4 \uc218\uc775 \ucc3d\ucd9c\uc758 \uae30\ud68c\ub97c \uc5f4\uc5b4\uc90d\ub2c8\ub2e4.<\/p>\n

\uc9c0\uc5ed \ud1b5\ud569\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uae30\ud68c \ucc3d\ucd9c - \uc544\uc138\uc548 \ub0b4 QR\ucf54\ub4dc \uacb0\uc81c \uc0c1\ud638\uc6b4\uc6a9\uc131 \ud504\ub85c\uc81d\ud2b8 \uc810\uc9c4\uc801 \uc548\ucc29\uc73c\ub85c \ud544\ub9ac\ud540 \uc804\uc2dc\uad00 \ubc29\ubb38\uac1d\uc774 \ud604\uc9c0 \uc571\uc744 \uc9c1\uc811 \uc0ac\uc6a9\ud574 \uc2f1\uac00\ud3ec\ub974, \ub9d0\ub808\uc774\uc2dc\uc544 \ub4f1\uc5d0\uc11c \ucf54\ub4dc\ub97c \uc2a4\uce94\ud574 \uc18c\ube44\ud560 \uc218 \uc788\uace0, \uadf8 \ubc18\ub300\uc758 \uacbd\uc6b0\ub3c4 \uac00\ub2a5 \uc774\ub7ec\ud55c \uc6d0\ud65c\ud55c \uacbd\ud5d8\uc73c\ub85c \uc0ac\uc6a9 \uace0\ucc29\ud654 \ub354\uc6b1 \uac15\ud654 \uad6d\uacbd \uac04 \uc2dc\ub098\ub9ac\uc624\uac00 \ud5a5\ud6c4 3\ub144\uac04 \uc0ac\uc6a9\uc790 \uc99d\uac00\uc5d0 \uae30\uc5ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1 12%-15%\ub85c \ucd94\uc815.<\/p>\n

\ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790 \ud504\ub85c\ud544 \ubc0f \uc0ac\uc6a9 \ud589\ud0dc \ubd84\uc11d<\/h2>\n

\uc77c\ubc18\uc801\uc778 \uc0ac\uc6a9\uc790 \ud2b9\uc131<\/h3>\n

\ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790 \uc218\ub294\ud68c\ucd98 \uae30\ub2a5<\/strong>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 18-35\uc138 \uc5f0\ub839\uce35\uc774 \uc804\uccb4 \uc0ac\uc6a9\uc790 \uc911 631 TP3T\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc774 \uc5f0\ub839\uce35\uc740 \uc6d4 \ud3c9\uade0 11.2\uac74\uc758 \uac70\ub798\ub85c \uac00\uc7a5 \ud65c\ubc1c\ud558\uac8c \ud65c\ub3d9\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc9c0\ub9ac\uc801 \ubd84\ud3ec\ub97c \ubcf4\uba74 \uba54\ud2b8\ub85c \ub9c8\ub2d0\ub77c(NCR)\uc758 \uc0ac\uc6a9\uc790 \uc218\uac00 \ubb34\ub824 421 TP3T\ub85c \uac00\uc7a5 \ub9ce\uc558\uc9c0\ub9cc, \ube44\uc0ac\uc57c\uc640 \ubbfc\ub2e4\ub098\uc624 \uc9c0\uc5ed\uc758 \uc5f0\uac04 \uc131\uc7a5\ub960\uc774 \uac01\uac01 391 TP3T\uc640 341 TP3T\ub85c \ub354 \ube60\ub974\uac8c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc6d4 \uc18c\ub4dd\uc774 15,000~30,000\ud398\uc18c(\uc57d US$270~540)\uc778 \uc911\uc0b0\uce35\uc774 38%\ub97c, \uc6d4 \uc18c\ub4dd\uc774 10,000\ud398\uc18c \ubbf8\ub9cc\uc778 \ud480\ubfcc\ub9ac \uadfc\ub85c\uc790\uac00 41%\ub97c \ucc28\uc9c0\ud558\ub294 \ub4f1 \uc18c\ub4dd \uc218\uc900\ubcc4 '\ubaa8\ub798\uc2dc\uacc4' \ubd84\ud3ec\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uc131 \uc0ac\uc6a9\uc790\uc758 \ube44\uc728\uc774 \ub0a8\uc131\ubcf4\ub2e4 \uc57d\uac04 \ub192\uace0(53% \ub300 47%), \uc5ec\uc131 \uc0ac\uc6a9\uc790\uc758 \ud3c9\uade0 \uac70\ub798\uc561\uc774 \ub0a8\uc131\ubcf4\ub2e4 17% \ub192\ub2e4\ub294 \uc810\ub3c4 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4. 47%), \uc5ec\uc131 \uc0ac\uc6a9\uc790\uc758 \ud3c9\uade0 \uac70\ub798 \uae08\uc561\uc740 \ub0a8\uc131\ubcf4\ub2e4 17% \ub354 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc0ac\uc6a9 \ube48\ub3c4\uac00 \ub192\uc740 \uc2dc\ub098\ub9ac\uc624<\/h3>\n

\uc77c\uc77c \uc18c\ube44 \uacb0\uc81c\ub294 \uc5ec\uc804\ud788 \ud575\uc2ec \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624\uc785\ub2c8\ub2e4:
\n- \uc18c\ub9e4 \uc1fc\ud551<\/strong>:: 62% \uc0ac\uc6a9\uc790\ub294 \uc77c\uc8fc\uc77c\uc5d0 3\ubc88 \uc774\uc0c1 \uc804\uc790\uc9c0\uac11\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc18c\uaddc\ubaa8 \uc0c1\uc810\uc5d0\uc11c \uad6c\ub9e4\ud569\ub2c8\ub2e4.
\n- \uccad\uad6c\uc11c \uacb0\uc81c<\/strong>\uc720\ud2f8\ub9ac\ud2f0 \uadf8\ub9ac\ub4dc \uc694\uae08 \uc9c0\ubd88\uc774 \uc804\uccb4 \uac70\ub798\uc758 231 TP3T\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4.
\n- \ub300\uc911 \uad50\ud1b5<\/strong>\uc9c0\ud504\ub2c8, \uc9c0\ud558\ucca0 \ub4f1 \ucf54\ub4dc \uc2a4\uc704\ud551 \uacb0\uc81c \ubcf4\uae09\ub960\uc774 51%\uc778 \ud604\uc7a5
\n- \uc18c\uc15c \uc804\uc1a1<\/strong>'\ub808\ub4dc \ud328\ud0b7' \uae30\ub2a5\uc740 \uc5f0\ub9d0\uc5f0\uc2dc \uc2dc\uc98c\uc5d0 \ud558\ub8e8\uc5d0 \ucd5c\ub300 5\ubc31\ub9cc \uac74\uc758 \uac70\ub798\uac00 \uc774\ub8e8\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc2e0\ud765 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc758 \uad04\ubaa9\ud560 \ub9cc\ud55c \uc131\uc7a5:<\/p>\n

    \n
  • \uc628\ub77c\uc778 \uad50\uc721 \ube44\uc6a9 \uacb0\uc81c<\/strong>2023\ub144 \uc804\ub144 \ub300\ube44 \uc131\uc7a5\ub960: 217%<\/li>\n
  • \uc758\ub8cc \uc11c\ube44\uc2a4 \uacb0\uc81c<\/strong>1,200\uac1c \uc774\uc0c1\uc758 \ud074\ub9ac\ub2c9 \ubc0f \ubcd1\uc6d0 \uc774\uc6a9 \uac00\ub2a5<\/li>\n
  • \uc18c\uc561 \ud22c\uc790<\/strong><\/em>2\ubc31\ub9cc \uba85\uc758 \uc0ac\uc6a9\uc790\uac00 \ud380\ub4dc \uc0c1\ud488\uc744 \uccb4\ud5d8\ud558\ub294 GCash\uc758 GInvest \uae30\ub2a5<\/li>\n<\/ul>\n

    \ub3c4\uc804 \uacfc\uc81c \ubc0f \uac1c\ubc1c \ubcd1\ubaa9 \ud604\uc0c1<\/h2>\n

    \uc778\ud504\ub77c \uc81c\uc57d<\/h3>\n

    \ud544\ub9ac\ud540 \uc804\uc790\uc9c0\uac11\uc740 \ube60\ub978 \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uc5ec\ub7ec \uac00\uc9c0 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \ud544\ub9ac\ud540\uc758 \ud3c9\uade0 \ubaa8\ubc14\uc77c \ub370\uc774\ud130 \ub2e4\uc6b4\ub85c\ub4dc \uc18d\ub3c4\ub294 25.6Mbps(\uc804 \uc138\uacc4 86\uc704)\uc5d0 \ubd88\uacfc\ud558\uace0 \uc678\ub534 \uc12c \uc9c0\uc5ed\uc758 4G \uc2e0\ud638 \ucee4\ubc84\ub9ac\uc9c0\ub294 601 TP3 T \ubbf8\ub9cc\uc785\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ub124\ud2b8\uc6cc\ud06c \ubb38\uc81c\ub85c \uc778\ud574 \uc57d 191 TP3 T\uc758 \uac70\ub798\uac00 \uc2e4\ud328\ud558\uac70\ub098 \uc9c0\uc5f0\ub418\ub294 \uacbd\uc6b0\uac00 \ubc1c\uc0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ud604\uae08\uc5d0 \uc758\uc874\ud558\ub294 \ubb38\ud654\ub294 \uc5ec\uc804\ud788 \ubfcc\ub9ac \uae4a\uac8c \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4. BSP \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc131\uc778 43%\uac00 \uc5ec\uc804\ud788 \uc804\uc790\uc9c0\uac11\uc744 \uc0ac\uc6a9\ud558\uc9c0 \uc54a\ub294 \uac00\uc7a5 \ud070 \uc774\uc720\ub85c \"\ub3d9\uc804\uc5d0 \ub300\ud55c \uc2e0\ub8b0\uac00 \ub354 \ucee4\uc11c\"\ub97c \uaf3d\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. '\ub514\uc9c0\ud138 \uaca9\ucc28'\ub294 \ud2b9\ud788 \uc9c0\ubc29\uc5d0\uc11c \ub450\ub4dc\ub7ec\uc9c0\uac8c \ub098\ud0c0\ub098 55\uc138 \uc774\uc0c1 \uc911 \uc804\uc790\uc9c0\uac11\uc744 \uc0ac\uc6a9\ud558\ub294 \ube44\uc728\uc740 \uc804\uad6d \ud3c9\uade0\ubcf4\ub2e4 \ud6e8\uc52c \ub0ae\uc740 28%\uc5d0 \ubd88\uacfc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ubcf4\uc548 \ubc0f \uc0ac\uae30<\/h3>\n

    \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud611\uc740 \uc810\uc810 \ub354 \uc2ec\uac01\ud574\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4:
    \n\u2192 2023\ub144 SIM \uc2a4\uc651 \uc0ac\uae30 \uc0ac\uac74 \uae09\uc99d 78%
    \n\u2192 \ud53c\uc2f1 \uacf5\uaca9\uc73c\ub85c \uc778\ud55c \ud53c\ud574\uc561 2\uc5b5 3\ucc9c\ub9cc \ud398\uc18c\/\ubd84\uae30 \ucd94\uc815
    \n\u2192 \ub9e4\uc77c 50\ub9cc \uac74 \uc774\uc0c1\uc758 \ube44\uc815\uc0c1\uc801\uc778 \ub85c\uadf8\uc778 \uc2dc\ub3c4\ub97c \ucc28\ub2e8\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uaddc\uc81c \ub300\uc751\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4:
    \n2\ub2e8\uacc4 \uc778\uc99d \ud45c\uc900\uc744 \uc2dc\ud589\ud558\ub294 BSP
    \nEMI\ub294 \uc0ac\uae30 \ubc29\uc9c0 \ud22c\uc790\ub97c \ub9e4\ucd9c\uc758 51%~71%\uae4c\uc9c0 \ub298\ub9b4 \uac83\uc744 \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4.
    \n\uace0\uc561 \uc1a1\uae08 \uc2dc\uc5d0\ub294 \"\ub0c9\uac01 \uae30\uac04\" \uba54\ucee4\ub2c8\uc998(\ub0c9\uac01 \uae30\uac04)\uc744 \uc0ac\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

    \ud3ec\uc2a4\ud2b8 \ucf54\ub85c\ub098 \uc2dc\ub300\uc758 \uc9c0\uc18d\uc801\uc778 \uc601\ud5a5\ub825\uacfc \ud601\uc2e0 \ubc29\ud5a5<\/h2>\n

    \uc804\uc5fc\ubcd1\uc740 \ub514\uc9c0\ud138\ud654\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc9c0\uc18d\uc801\uc778 \ubcc0\ud654\ub97c \ub0a8\uacbc\uc2b5\ub2c8\ub2e4. \uc624\ud504\ub77c\uc778 \uc0c1\uac70\ub798\uac00 \uc644\uc804\ud788 \ud68c\ubcf5\ub418\ub354\ub77c\ub3c4 68%(BSP \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc18c\ube44\uc790\ub4e4\uc740 \uc804\uc5fc\ubcd1 \uae30\uac04 \ub3d9\uc548 \uac1c\ubc1c \ud55c \ube44\uc811\ucd09 \uacb0\uc81c \uc2b5\uad00\uc744 \uc720\uc9c0\ud558\uaca0\ub2e4\uace0 \ub2f5\ud588\uc73c\uba70 \ud2b9\ud788 \ud504\ub9ac\ub79c\uc11c\uc640 \ub9c8\uc774\ud06c\ub85c \ubc0f \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790 \ubd80\ubb38\uc740 83 %\uac00 \ud604\uc7ac \ubaa8\ubc14\uc77c \ud604\uae08 \uc218\uc9d1 \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uc5ec \ub2e4\uc74c\uc744 \uc218\ud589\ud569\ub2c8\ub2e4. \ube44\uc988\ub2c8\uc2a4 \ud604\uae08 \ud750\ub984 \uad00\ub9ac\ub294 2019\ub144 31%\uc5d0\uc11c \ube44\uc57d\uc801\uc73c\ub85c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ud0c0\uac08\ub85c\uadf8\uc5b4\uc640 \uc138\ubd80\uc544\ub178\uc5b4 \ub4f1 \uc8fc\uc694 \ubc29\uc5b8\uc744 \uc9c0\uc6d0\ud558\ub294 AI \uae30\ubc18 \uc74c\uc131 \uc778\uc2dd \uacb0\uc81c, \ucef4\ud4e8\ud130 \ube44\uc804 \uae30\uc220\ub85c \uc81c\ud488 \ubc14\ucf54\ub4dc\ub97c \ucc0d\uc5b4 \uc628\ub77c\uc778\uc5d0\uc11c \uac00\uaca9\uc744 \ube44\uad50\ud560 \uc218 \uc788\ub294 \uae30\ub2a5, \ub124\ud2b8\uc6cc\ud06c\uac00 \ubd88\uc548\uc815\ud55c \uc9c0\uc5ed\uc5d0\uc11c \uc624\ud504\ub77c\uc778 \uac70\ub798\ub97c \ub3d9\uae30\ud654\ud558\ub294 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \uc5e3\uc9c0 \ucef4\ud4e8\ud305 \uc194\ub8e8\uc158 \ub4f1 \uae30\uc220 \ud601\uc2e0\uc774 \uacbd\ud5d8\uc758 \uacbd\uacc4\ub97c \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubc1c\uc804\uc73c\ub85c \uc778\ud574 \ud604\uc7ac \ud3c9\uade0 22\ubd84\uc778 \uccab \uc0ac\uc6a9\uc790\ub4e4\uc758 \uc0ac\uc6a9 \uc2dc\uac04\uc774 \ud5a5\ud6c4 2\ub144 \ub0b4\uc5d0 8\ubd84 \uc774\ub0b4\ub85c \ub2e8\ucd95\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n

    \uc81c\ud488 \ub514\uc790\uc778\uc5d0 \uc9c0\uc18d\uac00\ub2a5\uc131 \ud1b5\ud569 - \uc8fc\uc694 \ud50c\ub7ab\ud3fc\uc740 \ud604\uae08 \uac70\ub798\uc5d0 \ube44\ud574 \uac01 \ub514\uc9c0\ud138 \uacb0\uc81c\uac00 \ud658\uacbd\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc904\uc774\uae30 \uc704\ud574 \ud0c4\uc18c \ubc1c\uc790\uad6d \ucd94\uc801 \uae30\ub2a5\uc744 \ucd9c\uc2dc\ud558\uace0, \uc77c\ubd80 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \uc644\uc804\ud55c \ub514\uc9c0\ud138 \ud504\ub85c\uc138\uc2a4\ub97c \uc7a5\ub824\ud558\uae30 \uc704\ud574 \uc885\uc774 \uc601\uc218\uc99d\uc744 \uc120\ud0dd\ud558\ub294 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ucd94\uac00 \uc694\uae08\uc744 \ubd80\uacfc\ud558\uae30 \uc2dc\uc791\ud588\uc73c\uba70, GCash\ub294 \ud658\uacbd \uce5c\ud654\uc801 \ud589\ub3d9(\uc608: \uac78\uc74c \uc218\ub97c \uc313\uae30 \uc704\ud574 \uac77\uae30)\uc5d0 \ub300\ud574 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub9ac\uc6cc\ub4dc \ud3ec\uc778\ud2b8\ub97c \ubcf4\uc0c1\ud558\ub294 \uba54\ucee4\ub2c8\uc998\uc744 \uac1c\ubc1c\ud588\uace0, \uc0ac\uc6a9\uc790\uac00 \uc790\uc2e0\uc758 \uc5d0\ucf54 \ud398\uc774\ub97c \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \ub192\uc774\ub294 \ubc29\ubc95\uc73c\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc5d0\ucf54 \ucc45\uc784 \uba54\ucee4\ub2c8\uc998\uc744 \uac1c\ubc1c\ud558\uae30\ub3c4 \ud588\uc2b5\ub2c8\ub2e4. GCash\ub294 \ud658\uacbd \uce5c\ud654\uc801\uc778 \ud589\ub3d9(\uc608: \ubcf4\uc0c1 \ud3ec\uc778\ud2b8 \uc801\ub9bd\uc744 \uc704\ud55c \uac77\uae30)\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc0ac\uc6a9\uc790\uc758 \uace0\ucc29\uc131\uc744 \ub192\uc774\uace0 \uc0ac\ud68c\uc801 \ucc45\uc784\uc744 \ucd09\uc9c4\ud558\ub294 \uac8c\uc784\ud654 \uba54\ucee4\ub2c8\uc998\ub3c4 \uac1c\ubc1c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ud544\ub9ac\ud540\uc758 \uad6d\uacbd \uac04 \uacb0\uc81c \ubc0f \uc804\uc790\uc9c0\uac11 \uad6d\uc81c\ud654<\/h2>\n

    \uc9c0\uc5ed \uacb0\uc81c \uc5f0\uacb0\uc758 \uc9c4\ud589 \uc0c1\ud669<\/h3>\n

    \ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \ud1b5\ud569\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.\uc544\uc138\uc548 \uae08\uc735 \ud1b5\ud569<\/strong>process.2023 11\uc6d4 \ud544\ub9ac\ud540\uc740 \uc544\uc138\uc548 QR\ucf54\ub4dc \uacb0\uc81c(QR Ph) \uc2dc\uc2a4\ud15c\uc5d0 \uacf5\uc2dd\uc801\uc73c\ub85c \uac00\uc785\ud558\uc5ec \uc2f1\uac00\ud3ec\ub974, \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d\uacfc \uad6d\uacbd \uac04 \uc2a4\uce90\ub108 \uacb0\uc81c \uc0c1\ud638 \uc6b4\uc6a9\uc774 \uac00\ub2a5\ud574\uc84c\uc2b5\ub2c8\ub2e4. \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc2dc\uc2a4\ud15c\uc774 \uac00\ub3d9\ub41c \uc9c0 6\uac1c\uc6d4 \uc774\ub0b4\uc5d0:<\/p>\n

      \n
    • \uad6d\uacbd \uac04 \uac70\ub798\ub7c9\uc740 \uc6d4 \ud3c9\uade0 47% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \ub2e8\uc77c \uac70\ub798\uc758 \ud3c9\uade0 \uae08\uc561\uc740 2,350\ud398\uc18c(\uc57d \ubbf8\ud654 42\ub2ec\ub7ec)\uc600\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \uac00\uc7a5 \ub9ce\uc774 \uc0ac\uc6a9\ub418\ub294 \uc2dc\ub098\ub9ac\uc624\ub294 \uc5ec\ud589 \ubc0f \uc18c\ube44(581\uac74), \uad6d\uacbd \uac04 \uc774\ucee4\uba38\uc2a4(231\uac74), \ub178\ub3d9 \uc1a1\uae08(191\uac74) \uc21c\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n

      GCash\uc640 Maya\ub294 \ubaa8\ub450 \ub124\ud2b8\uc6cc\ud06c\uc5d0 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc5b4 \uc0ac\uc6a9\uc790\uac00 \ucc38\uc5ec \uad6d\uac00\uc758 120\ub9cc \uac1c \uc774\uc0c1\uc758 \uac00\ub9f9\uc810\uc5d0\uc11c \uc790\uad6d\uc758 \uc804\uc790\uc9c0\uac11\uc73c\ub85c \uc9c1\uc811 \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud601\uc2e0\uc73c\ub85c 2024\ub144\uc5d0\ub294 \ud544\ub9ac\ud540\uc778\uc758 \ud574\uc678 \ub514\uc9c0\ud138 \uacb0\uc81c \uaddc\ubaa8\uac00 8\uc5b5 5,000\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc73c\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n

      \ud574\uc678 \uadfc\ub85c\uc790\uc758 \uc1a1\uae08 \ub514\uc9c0\ud138\ud654<\/h3>\n

      \uc138\uacc4 \ucd5c\uace0\uc758 \ub178\ub3d9\ub825 \uc218\ucd9c\uad6d \uc911 \ud558\ub098\uc778 \ud544\ub9ac\ud540\uc740 \ub9e4\ub144 \ucd1d 150\ub9cc \uba85\uc758 \uadfc\ub85c\uc790\ub97c \uace0\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.\ud574\uc678 \uc1a1\uae08<\/strong>400\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0 \ub2ec\ud569\ub2c8\ub2e4. \uc804\ud1b5\uc801\uc73c\ub85c \uc774\ub7ec\ud55c \uc790\uae08\uc740 \uc8fc\ub85c \uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628\uacfc \uac19\uc740 \ucc44\ub110\uc744 \ud1b5\ud574 \uc720\uc785\ub418\uc5c8\uc73c\uba70, \uc218\uc218\ub8cc\ub294 5-7%\uc5d0 \ub2ec\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc81c \uc804\uc790\uc9c0\uac11 \ud50c\ub7ab\ud3fc\uc774 \uc774\ub7ec\ud55c \uc0c1\ud669\uc744 \ubc14\uafb8\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

      - GCash \uad6d\uc81c \uc1a1\uae08 \uae30\ub2a5\uc740 \uc804 \uc138\uacc4 34\uac1c \uad6d\uac00\/\uc9c0\uc5ed\uacfc \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.
      \n- \ub9c8\uc57c\ub294 \uc911\uad6d\uacfc \ud544\ub9ac\ud540 \uac04 \uc2e4\uc2dc\uac04 \uc1a1\uae08\uc744 \uc704\ud574 \uc54c\ub9ac\ud398\uc774\uc640 \uc81c\ud734\ud569\ub2c8\ub2e4.
      \n- \ub514\uc9c0\ud138 \uc9c0\uac11 \uac04 \uad6d\uacbd \uac04 \uc1a1\uae08 \ube44\uc6a9\uc774 1.5% \uc774\ud558\ub85c \ub5a8\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n

      BSP\uc5d0 \ub530\ub974\uba74 \uacf5\uc2dd \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ud1b5\ud574 \uc1a1\uae08\ub418\ub294 \uc790\uae08\uc758 \ube44\uc911\uc740 2019\ub144 121\uc870 3\ucc9c\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2023\ub144 291\uc870 3\ucc9c\uc5b5 \ub2ec\ub7ec\ub85c \uae09\uc99d\ud558\uace0 2025\ub144\uc5d0\ub294 401\uc870 3\ucc9c\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc8fc\ubaa9\ud560 \uc810\uc740 \uac70\ub798\ub2f9 200\ub2ec\ub7ec \ubbf8\ub9cc\uc758 \uc18c\uc561 \uc1a1\uae08\uc744 \uc790\uc8fc \ud558\ub294 '\uc18c\uc561 \uc1a1\uae08' \ud604\uc0c1\uc758 \uc99d\uac00\uc785\ub2c8\ub2e4. \uac70\ub798\ub2f9 200\ub2ec\ub7ec \ubbf8\ub9cc\uc758 \uc18c\uc561 \uc1a1\uae08\uc744 \uc790\uc8fc \ud558\ub294 '\uc18c\uc561 \uc1a1\uae08'\uc758 \uc99d\uac00\ub294 \uc804\uccb4\uc758 61%\ub97c \ucc28\uc9c0\ud558\uba70, \uc804\uc790\uc9c0\uac11\uc774 \uac00\uc7a5 \uc720\ub9ac\ud55c \uc11c\ube44\uc2a4 \uc601\uc5ed\uc744 \ud655\ubcf4\ud558\uace0 \uc788\ub294 \ubd84\uc57c\uc785\ub2c8\ub2e4.<\/p>\n

      \uaddc\uc81c \ud658\uacbd\uc758 \uc9c4\ud654 \ubc0f \uc815\ucc45 \uc9c0\uc6d0<\/h2>\n

      BSP\uc758 \ub514\uc9c0\ud138 \uae08\uc735 \uc804\ub7b5<\/h3>\n

      \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc774 \uc2dc\ud589\ud558\ub294 \ub514\uc9c0\ud138 \uacb0\uc81c \ud601\uc2e0 \ub85c\ub4dc\ub9f5\uc774 2\ub2e8\uacc4(2024~2026\ub144)\uc5d0 \uc811\uc5b4\ub4e4\uc5c8\uc73c\uba70, \ub2e4\uc74c \uc0ac\ud56d\uc5d0 \uc911\uc810\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

      \u2713 \uc624\ud508 \ubc45\ud0b9 \ud504\ub808\uc784\uc6cc\ud06c<\/strong>\uae08\uc735 \uae30\uad00\uc774 API\ub97c \ud1b5\ud574 \ub370\uc774\ud130\ub97c \uacf5\uc720\ud574\uc57c \ud569\ub2c8\ub2e4.
      \n\u2713 \uacc4\uce35\ud654\ub41c KYC \uc2dc\uc2a4\ud15c<\/strong>\uacc4\uc815 \ud55c\ub3c4\uc5d0 \ub530\ub77c \ucc28\ubcc4\ud654\ub41c \uc720\ud6a8\uc131 \uac80\uc0ac \uae30\uc900 \uad6c\ud604
      \n\u2713 \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uae08\uc9c0 \uba85\ub839<\/strong>2025\ub144\uae4c\uc9c0 \ubaa8\ub4e0 EMI\ub294 \uc2dc\uc2a4\ud15c\uc744 \uc0c1\ud638 \uc5f0\uacb0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      \uc0c8\ub85c \ucd9c\uc2dc\ub41c \ud540\ud14c\ud06c \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 3.0\uc5d0\ub294 5\uac1c\uc758 \uc0c8\ub85c\uc6b4 \ud14c\uc2a4\ud2b8 \uc601\uc5ed\uc774 \ucd94\uac00\ub418\uc5c8\uc2b5\ub2c8\ub2e4:<\/p>\n

        \n
      1. CBDC \uc801\uc6a9 \uc2dc\ub098\ub9ac\uc624<\/li>\n
      2. DeFi \uaddc\uc815 \uc900\uc218 \uc194\ub8e8\uc158<\/li>\n
      3. AI \uae30\ubc18 \uc2e0\uc6a9 \ud3c9\uac00 \ubaa8\ub378<\/li>\n
      4. BNPL \ub9ac\uc2a4\ud06c \uad00\ub9ac \uc2dc\uc2a4\ud15c \uac80\uc99d<\/li>\n
      5. Web3 \uc778\uc99d \uba54\ucee4\ub2c8\uc998<\/li>\n<\/ol>\n

        \uc774\ub7ec\ud55c \uc870\uce58\ub294 \ud601\uc2e0\uc744 \uc7a5\ub824\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc704\ud5d8\uc744 \ud1b5\uc81c\ud558\uae30 \uc704\ud55c \uac83\uc73c\ub85c, \uc9c0\ub09c 3\ub144\uac04 \uc2e0\uaddc EMI \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09 \uac74\uc218\ub294 \uc5f0\ud3c9\uade0 2~3\uac74\uc73c\ub85c \uc720\uc9c0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

        \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654<\/h3>\n

        \uaddc\uc81c \ub2f9\uad6d\uc740 \ube60\ub974\uac8c \uc99d\uac00\ud558\ub294 \ubd88\ub9cc \ubb38\uc81c(\uc8fc\ub85c \ubb34\ub2e8 \uac70\ub798 \ubc0f \uc11c\ube44\uc2a4 \uc911\ub2e8\uacfc \uad00\ub828\ub41c)\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \ucd9c\ubc94\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n

        \u2192 \ubd84\uc7c1 \ud574\uacb0 \uc2dc\uac04\ud45c<\/strong>\uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uac00 72\uc2dc\uac04 \uc774\ub0b4\uc5d0 \ubd88\ub9cc \uc0ac\ud56d\uc5d0 \uc751\ub2f5\ud574\uc57c \ud569\ub2c8\ub2e4.
        \n\u2192 \uc190\uc2e4 \ubcf4\uc0c1 \uae30\uc900<\/strong>\ub2e4\uc591\ud55c \uc0c1\ud669\uc5d0\uc11c\uc758 \ucc45\uc784 \ubd84\ub2f4 \uba85\ud655\ud788 \ud558\uae30
        \n\u2192 \ub0c9\uac01 \uae30\uac04 \uc870\ud56d<\/strong>\uccab \ubc88\uc9f8 \ub300\ub7c9 \uc774\uccb4 \uc2dc 24\uc2dc\uac04 \uc9c0\uc5f0<\/p>\n

        3\ub144 \uc774\ub0b4\uc5d0 \uc131\uc778 \uc778\uad6c\uc758 85%\uac00 \uae30\ubcf8\uc801\uc778 \ub514\uc9c0\ud138 \uae08\uc735 \uc11c\ube44\uc2a4 \uc9c0\uc2dd, \ud2b9\ud788 \uc0ac\uae30 \uc608\ubc29 \uae30\uc220\uc744 \uac16\ucd94\ub3c4\ub85d \ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \uc804\uad6d\uc801\uc778 \uae08\uc735 \uc774\ud574\ub825 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8\ub3c4 \uc2dc\uc791\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uad50\uc721\uc758 \uccab \ubc88\uc9f8 \ucd08\uc810\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:
        \n- \ud2b8\ub77c\uc774\uc2dc\ud074 \uc6b4\uc804\uc790\uc640 \uac19\uc740 \ud604\uae08 \uc9d1\uc57d\uc801 \uc0b0\uc5c5 \uc885\uc0ac\uc790
        \n- \ubc14\ub791\uac00\uc774 \ucee4\ubba4\ub2c8\ud2f0 \uc885\uc0ac\uc790
        \n- \ud574\uc678\uadfc\ub85c\uc790\ubcf5\uc9c0\uccad \ub4f1\ub85d \ud68c\uc6d0\uc0ac<\/p>\n

        ESG \uad00\ud589\uacfc \uc0ac\ud68c\uc801 \uc601\ud5a5<\/h2>\n

        \uae08\uc735 \ud3ec\uc6a9\uc758 \ud6a8\uacfc\uc131 \ud3c9\uac00<\/h3>\n

        \uc804\uc790 \uc9c0\uac11\uc740 \uae08\uc735 \uc11c\ube44\uc2a4 \uc811\uadfc\uc131 \uc9c0\ud45c\ub97c \ud06c\uac8c \uac1c\uc120\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n\n\n\n\n
        \ud45c\uc900<\/th>\n2019<\/th>\n2023<\/th>\n\u0394 \ubcc0\uacbd<\/th>\n<\/tr>\n<\/thead>\n
        \uc131\uc778 \uacc4\uc815 \uc18c\uc720\uc728<\/td>\n35%<\/td>\n65%<\/td>\n+30pp<\/td>\n<\/tr>\n
        \uc18c\uae30\uc5c5 \ubc0f \uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ub300\ucd9c \uac00\ub2a5 \uc5ec\ubd80<\/td>\n28%<\/td>\n53%<\/td>\n+25pp<\/td>\n<\/tr>\n
        \ucd5c\uadfc 1km \uc11c\ube44\uc2a4 \ubc18\uacbd(\ud3c9\uade0 \ub3c4\ubcf4 \uac70\ub9ac)<\/td>\n45\ubd84<\/td>\n22\ubd84<\/td>\n-51%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        \ud2b9\ud788 \uc790\uce58\uad6c\uc640 \uac19\uc774 \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uc9c0\uc810\uc774 \uac70\uc758 \uc5c6\ub294 \uc9c0\uc5ed\uc5d0\uc11c \uacc4\uc88c \ubcf4\uae09\ub960\uc774 13%\uc5d0\uc11c 49%\ub85c \uc99d\uac00\ud55c \uac83\uc740 \ub300\ubd80\ubd84 \ud1b5\uc2e0 \uc740\ud589 \ubaa8\ub378\uc758 \ud655\uc0b0\uc5d0 \uae30\uc778\ud558\uba70, \ud604\uc7ac \uc804\uad6d\uc801\uc73c\ub85c 27\ub9cc \uac1c \uc774\uc0c1\uc758 \uc0ac\ub9ac\uc0ac\ub9ac \uc810\ud3ec\uc5d0\uc11c \uae30\ubcf8\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

        \"\uce5c\ud658\uacbd \uae08\uc735\"\uc744 \uc704\ud55c \ud601\uc2e0\uc801\uc778 \uc2dc\ub3c4<\/h3>\n

        \uc8fc\uc694 \ud50c\ub7ab\ud3fc\uc758 \ud658\uacbd \uce5c\ud654\uc801 \uad00\ud589\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n

        \u267b\ufe0f GCash, 87\ub9cc \uadf8\ub8e8\uc758 \ub098\ubb34\ub97c \uc2ec\ub294 \uac83\uacfc \uac19\uc740 \ub204\uc801 \ud0c4\uc18c \ubc30\ucd9c\ub7c9 \uac10\ucd95\uc744 \uc704\ud55c GCarbon \uae30\ub2a5 \ucd9c\uc2dc
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        \uc608\ub97c \ub4e4\uc5b4, \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \uc2dc\uc791\ub41c \ubc14\uc57c\ub2c8\ud55c \ud504\ub85c\uadf8\ub7a8\uc740 150\ub9cc \uac00\uad6c\uac00 \uc904\uc744 \uc11c\uc9c0 \uc54a\uace0\ub3c4 \uc815\ubd80 \ubcf4\uc870\uae08\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud588\uc73c\uba70, \ucd5c\uadfc \uc2dc\uc791\ub41c \uc544\uadf8\ub9ac\ud398\uc774 \ud504\ub85c\uadf8\ub7a8\uc740 6,500\uac1c\uc758 \ub18d\ubbfc\ud611\ub3d9\uc870\ud569\uc744 \uc5f0\uacb0\ud558\uc5ec \uc0dd\uc0b0\uacfc \ub9c8\ucf00\ud305\uc758 \uc911\uac04 \ub2e8\uacc4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc190\uc2e4\uc744 \uac04\uc18c\ud654\ud558\ub294 \ub4f1 \uc0ac\ud68c\uc801 \ud504\ub85c\uc81d\ud2b8\ub3c4 \ud6a8\uacfc\uc801\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

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