{"id":2780,"date":"2025-05-17T14:08:59","date_gmt":"2025-05-17T06:08:59","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2780"},"modified":"2025-05-17T14:08:59","modified_gmt":"2025-05-17T06:08:59","slug":"%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/","title":{"rendered":"\ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \ubc1c\uc804 \ud604\ud669 \ubc0f \uc804\ub9dd \ubd84\uc11d"},"content":{"rendered":"

\ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0b0\uc5c5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \ubc1c\uc804\ud558\uc5ec \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5 \uc911 \ud558\ub098\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c\ub294 \ud604\uc7ac \uc0c1\ud669, \ub3d9\uc778, \uacfc\uc81c, \uc804\ub9dd\uc758 \ub124 \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \ubca0\ud2b8\ub0a8 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0b0\uc5c5\uc744 \ubd84\uc11d\ud569\ub2c8\ub2e4:<\/p>\n

I. \uac1c\ubc1c \ud604\ud669<\/h3>\n
    \n
  1. \n

    \uc2dc\uc7a5 \uaddc\ubaa8<\/strong><\/p>\n

      \n
    • \ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \ub9e4\ucd9c\uc740 2023\ub144 300\uc5b5 \ub2ec\ub7ec\ub97c \ub3cc\ud30c\ud558\uace0 \ub9e4\ub144 251%\uc529 \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4(Fitch Solutions \ub370\uc774\ud130).<\/li>\n
    • \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790\ub294 4\ucc9c\ub9cc \uba85\uc744 \ub118\uc5b4 \uc131\uc778 \uc778\uad6c\uc758 50% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4(\ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589 \ub370\uc774\ud130).<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4 \ud658\uacbd<\/strong><\/p>\n

        \n
      • \ud604\uc9c0 \uc9c0\ubc30\uc801: MoMo(\uc2dc\uc7a5 \uc810\uc720\uc728 50% \uc774\uc0c1), ZaloPay(VNG \ubbf8\ub9cc), VNPAY<\/li>\n
      • \ud574\uc678 \ucc38\uc5ec: GrabPay(\uc2f1\uac00\ud3ec\ub974), Moca(\uc564\ud2b8 \uadf8\ub8f9\uacfc \ud568\uaed8)<\/li>\n
      • \uc740\ud589 \uae30\ubc18 \uc81c\ud488: Viettel Pay(\uad70\uc6a9), MB Bank \ubc0f \uae30\ud0c0 \uc740\ud589\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c<\/li>\n<\/ul>\n<\/li>\n
      • \n

        \uc8fc\uc694 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624<\/strong><\/p>\n

          \n
        • QR\ucf54\ub4dc \uacb0\uc81c \ubcf4\uae09\ub960\uc740 78%(2022\ub144 \ub2d0\uc2a8 \ubcf4\uace0\uc11c)\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n
        • \uccad\uad6c\uc11c \uacb0\uc81c(\uacf5\uacfc\uae08\/\ub4f1\ub85d\uae08)\uc758 \uac00\uc7a5 \ub192\uc740 \ube44\uc911(42%)<\/li>\n
        • \uc774\ucee4\uba38\uc2a4 \uacb0\uc81c \uc810\uc720\uc728\uc774 35%\ub85c \uae09\uc131\uc7a5(\ub77c\uc790\ub2e4\/\ud2f0\ud0a4 \ub4f1\uc758 \ud50c\ub7ab\ud3fc\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub428)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

          II. \ud575\uc2ec \ub3d9\uc778<\/h3>\n
            \n
          1. \uc815\ucc45 \uc9c0\uc6d0<\/strong>
            \n\uc815\ubd80\uc758 '\ud604\uae08 \uc5c6\ub294' \uc804\ub7b5\uc740 \ubaa9\ud45c\uac00 \uba85\ud655\ud569\ub2c8\ub2e4:<\/li>\n<\/ol>\n
              \n
            • 2021-2025\ub144 \uc804\uc790 \uacb0\uc81c \uac1c\ubc1c \uacc4\ud68d\uc5d0 \ub530\ub974\uba74 \ube44\ud604\uae08 \uac70\ub798\ub294 \uc5f0\ud3c9\uade0 201% \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n
            • \ud3ec\uc2a4\ud2b8 \ucf54\ub85c\ub098, \uc815\ubd80 \uc11c\ube44\uc2a4 \uacb0\uc81c\uc758 \ub514\uc9c0\ud138\ud654 \ucd94\uc9c4 \uac00\uc18d\ud654<\/li>\n<\/ul>\n
                <\/p>\n
              1. \uc798 \uad6c\ucd95\ub41c \uc778\ud504\ub77c<\/strong>
                \n-\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 73%\uc5d0 \ub3c4\ub2ec (We Are Social \ub370\uc774\ud130)
                \n4G \ub124\ud2b8\uc6cc\ud06c\uac00 98% \uc778\uad6c\ub97c \ucee4\ubc84\ud558\uace0 5G \uc2dc\ubc94 \uc11c\ube44\uc2a4 \uac1c\uc2dc<\/li>\n<\/ol>\n

                3.\uccad\uc18c\ub144 \ubc30\ub2f9\uae08<\/strong>
                \n70% \uc778\uad6c\ub294 35\uc138 \ubbf8\ub9cc\uc774\uba70, \uc778\ud130\ub137 \ub124\uc774\ud2f0\ube0c\uac00 \uc778\uad6c\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n

                4.\ud540\ud14c\ud06c \ud22c\uc790 \ubd90<\/strong>
                \n2022\ub144 8\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec \ud22c\uc790(\ub300\ud615 \uc0ac\ub840: MoMo, UBS\uac00 \uc8fc\ub3c4\ud558\ub294 2\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc2dc\ub9ac\uc988 D \uc720\uce58)<\/p>\n

                III. \uae30\uc874 \uacfc\uc81c
                \n1.\ub4a4\ucc98\uc9c4 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c<\/strong>
                \n-P2P \uc1a1\uae08 \ud55c\ub3c4 \ub17c\ub780(\ud604\uc7ac \ub2e8\uc77c \uc1a1\uae08 \ud55c\ub3c4\ub294 \uc57d $430)
                \n\uad6d\uacbd \uac04 \uacb0\uc81c \ub77c\uc774\uc120\uc2a4 \uc2b9\uc778 \uc9c0\uc5f0<\/p>\n

                2.\ub18d\ucd0c \uc9c0\uc5ed\uc758 \ubcf4\uae09\ub960 \ubd80\uc871<\/strong>
                \n\ud604\uae08 \uac70\ub798\ub294 \uc5ec\uc804\ud788 \uc804\uccb4 \uacb0\uc81c\uc758 60%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4(\uc138\uacc4\uc740\ud589 \uc870\uc0ac).<\/p>\n

                3.\ud0d0\uc0c9 \uc911\uc778 \uc218\uc775 \ubaa8\ub378<\/strong>*
                \n\ub300\ubd80\ubd84\uc758 \uc804\uc790\uc9c0\uac11\uc740 \uc544\uc9c1 \uc218\uc775\uc131\uc774 \uc5c6\uc73c\uba70, \uace0\uac1d\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ubcf4\uc870\uae08\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                4.*\uc99d\uac00\ud558\ub294 \ubcf4\uc548 \uc704\ud5d8<\/em>
                \n2022\ub144 \uc628\ub77c\uc778 \uae08\uc735 \uc0ac\uae30\uac00 \uc804\ub144 \ub300\ube44 1621% \uae09\uc99d\ud569\ub2c8\ub2e4.<\/p>\n

                IV. \ubc1c\uc804 \uc804\ub9dd
                \n\ub2e8\uae30(1~3\ub144).
                \n- QR\ucf54\ub4dc \ud45c\uc900 \uc870\uc728 \ud504\ub85c\uc138\uc2a4 \uac00\uc18d\ud654(\ub098\ud30c\uc2a4 \uc8fc\ub3c4)
                \n- \uc0dd\uccb4 \uc778\uc2dd \uacb0\uc81c \uae30\uc220 \uc801\uc6a9 \ud655\ub300(\uc5bc\uad74 \uc778\uc2dd \uac70\ub798\uac00 2\ubc30 \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1)
                \n- \uc9c0\uae08 \uad6c\ub9e4, \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL)\uac00 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                \uc911\uae30 \ucd94\uc138.
                \n- \uc624\ud508 \ubc45\ud0b9 API \ud478\uc2dc\ub85c \uc0dd\ud0dc\uacc4\ub97c \uc7ac\uad6c\uc131\ud569\ub2c8\ub2e4.
                \n- \ub514\uc9c0\ud138 \ud654\ud3d0 \ud30c\uc77c\ub7ff\uc774 \ucc29\ub959\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(CBDC \ud14c\uc2a4\ud2b8 \uc758\uc81c)
                \n- \uc544\uc138\uc548 \uc9c0\uc5ed \uc5f0\uacb0\ub85c \uad6d\uacbd\uc744 \ucd08\uc6d4\ud55c \uae30\ud68c \uc81c\uacf5<\/p>\n

                \uc7a5\uae30 \uc7a0\uc7ac \ud3ec\uc778\ud2b8.
                \n\uc288\ud37c \uc571 \ubaa8\ub378\uc740 \ub354 \ub9ce\uc740 \uc0dd\ud65c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud569\ub2c8\ub2e4(MoMo\ub294 \uc758\ub8cc \ub4f1\ub85d\uacfc \uac19\uc740 40\uac1c \uc774\uc0c1\uc758 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4).
                \n\uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \uad6c\ub9e4\uc758 \ube14\ub8e8\uc624\uc158 \uc2dc\uc7a5<\/p>\n

                \ucd94\ucc9c \uad00\uc2ec \ubd84\uc57c.
                \n\uacf5\uae09\ub9dd \ud540\ud14c\ud06c \uc194\ub8e8\uc158
                \n\ub18d\uc5c5 \uc2dc\ub098\ub9ac\uc624\ub97c \uc704\ud55c \ub9de\ucda4\ud615 \uacb0\uc81c \uc0c1\ud488
                \n\ud1b5\uc2e0 \uc0ac\uc5c5\uc790\uc640\uc758 \uc2ec\ub3c4 \uc788\ub294 \ud611\ub825 \uae30\ud68c \u2462 \ud1b5\uc2e0 \uc0ac\uc5c5\uc790\uc640\uc758 \uc2ec\ub3c4 \uc788\ub294 \ud611\ub825 \uae30\ud68c<\/p>\n

                \uc804\ubc18\uc801\uc73c\ub85c 75%\uc758 \uc778\ud130\ub137 \ubcf4\uae09\ub960\uacfc \uc9c0\uc18d\uc801\uc778 \uc815\ucc45 \uc9c0\uc6d0\uc73c\ub85c \ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \ubc1c\uc804\uc758 \ud669\uae08\uae30\ub294 5\ub144 \uc774\uc0c1 \uc9c0\uc18d\ub420 \uac83\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uae30\uc5c5\ub4e4\uc740 \ud601\uc2e0 \uc18d\ub3c4\uc640 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ub3d9\uc2dc\uc5d0 2\uc120 \ubc0f 3\uc120 \ub3c4\uc2dc\uc758 \ucc28\ubcc4\ud654\ub41c \uc218\uc694 \uac1c\ubc1c\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

                \ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \ubc1c\uc804 \ud604\ud669 \ubc0f \uc804\ub9dd \ubd84\uc11d(\uacc4\uc18d)<\/strong><\/h3>\n

                V. \uc2dc\uc7a5 \uc138\ubd84\ud654 \uae30\ud68c \ubd84\uc11d<\/strong><\/h4>\n
                  \n
                1. \n

                  \ud574\uc678 \uacb0\uc81c \ubc0f \uc1a1\uae08<\/strong><\/p>\n

                    \n
                  • \ubca0\ud2b8\ub0a8\uc740 \uc138\uacc4 10\ub300 \uc1a1\uae08 \uc218\ub839 \uad6d\uac00 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4(2023\ub144 190\uc5b5 \ub2ec\ub7ec\ub85c \uc608\uc0c1, \uc138\uacc4\uc740\ud589 \ub370\uc774\ud130).<\/li>\n
                  • \uc8fc\uc694 \ubb38\uc81c\uc810: \ub192\uc740 \ucde8\uae09 \uc218\uc218\ub8cc(5-7%), \uae30\uc874 \ucc44\ub110\uc758 \ub290\ub9b0 \ub3c4\ucc29(1-3\uc77c)<\/li>\n
                  • \uc0c8\ub85c\uc6b4 \uc194\ub8e8\uc158: \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c \ud30c\uc77c\ub7ff(\uc608: \ub9ac\ud50c\uc744 \uc0ac\uc6a9\ud55c VNPAY \ud14c\uc2a4\ud2b8), \uc804\uc790\uc9c0\uac11 \uc9c1\uc811 \uc1a1\uae08<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uacb0\uc81c \ud1b5\ud569<\/strong><\/p>\n

                      \n
                    • \ud398\uc774\uc2a4\ubd81\/\uc798\ub85c \ubc0f \uae30\ud0c0 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790 \uac70\ub798\uac00 \uae09\uc99d\ud558\uace0 \uc788\uc9c0\ub9cc \ud604\uae08 \uc218\uae08\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
                    • MoMo\ub294 \uc774\ubbf8 '\ub098\uc911\uc5d0 \uc1fc\ud53c \uacb0\uc81c' \ubaa8\ub378\uc744 \ucd9c\uc2dc\ud588\uc73c\uba70, \ud5a5\ud6c4 \ud2f1\ud1a1 \uc0f5 \ubc0f \uae30\ud0c0 \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud655\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      \ub300\uc911\uad50\ud1b5\uc758 \ub514\uc9c0\ud138\ud654<\/strong><\/p>\n

                        \n
                      • \ud638\uce58\ubbfc\uc2dc \uc9c0\ud558\ucca0 1\ud638\uc120(2024\ub144 \uac1c\ud1b5), \uc804\uc790\uc9c0\uac11 \ubc1c\uad8c \uc9c0\uc6d0<\/li>\n
                      • \ub300\uc911\uad50\ud1b5 \uc2dc\uc2a4\ud15c\uc5d0\ub3c4 \uadf8\ub7a9 \uc288\ud37c\uc571 \ubaa8\ub378\uc744 \ubcf5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc790\ud074\ub9c1\ucf54 \uc0ac\ub840 \ucc38\uc870).<\/li>\n<\/ul>\n<\/li>\n
                      • \n

                        \ub18d\uc5c5 \uacf5\uae09\ub9dd \uae08\uc735<\/strong>
                        \n\ucee4\ud53c\/\uc300\uacfc \uac19\uc740 \ub18d\uc0b0\ubb3c\uc740 \uc5ec\uc804\ud788 \ud604\uae08\uc73c\ub85c \uac70\ub798\ub418\uace0 \uc788\uc73c\uba70 \ub514\uc9c0\ud138\ud654\ud560 \uc218 \uc788\ub294 \uc5ec\uc9c0\uac00 \ub9e4\uc6b0 \ud07d\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n

                          \n
                        • \ud604\uc7a5\uc5d0\uc11c \uc804\uc790\uc800\uc6b8 + QR\ucf54\ub4dc \uacb0\uc81c \uc801\uc6a9(\uc911\uad6d\uc758 '\ub4c0\uc624\ub46c\ub46c \uad6c\ub9e4'\uc640 \uc720\uc0ac)<\/li>\n
                        • \uac70\ub798 \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \uc18c\uc561 \uae08\uc735 \uc11c\ube44\uc2a4(VNPAY\ub294 \uc2dc\ubc94 \uc6b4\uc601 \uc911)<\/li>\n<\/ul>\n
                          \n

                          VI. \uae30\uc220 \ubc1c\uc804 \ubc29\ud5a5<\/strong><\/h4>\n\n\n\n\n\n\n\n
                          \uae30\uc220 \ud2b8\ub80c\ub4dc<\/th>\n\ud604\uc7ac \uc9c4\ud589 \uc0c1\ud669<\/th>\n\uc7a0\uc7ac\uc801 \uc601\ud5a5<\/th>\n<\/tr>\n<\/thead>\n
                          AI \uc704\ud5d8 \uad00\ub9ac<\/td>\nVPBank, AI \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\uc5ec 30%\uc758 \ubd80\uc2e4\ucc44\uad8c \ube44\uc728 \uac10\uc18c<\/td>\n\uc911\uc18c\uaddc\ubaa8 \uacb0\uc81c \ud68c\uc0ac\ub294 \ud0c0\uc0ac \uc704\ud5d8 \uad00\ub9ac SaaS\ub97c \uad6c\ub9e4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n
                          \ud1a0\ud070\ud654<\/td>\n\ub098\ud30c\uc2a4, EMVCo \ud45c\uc900\uc744 \uc120\ub3c4\ud558\ub294 \uae30\uc5c5<\/td>\nNFC \ud734\ub300\ud3f0 \uacb0\uc81c \uc810\uc720\uc728\uc774 12%\uc5d0\uc11c 25%+\ub85c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n
                          CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0)<\/td>\n\ub3c4\ub9e4 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \uc911\uc2ec\uc73c\ub85c 1\ub2e8\uacc4 \ud14c\uc2a4\ud2b8 \uc644\ub8cc<\/td>\n\uc815\ubd80 \ubcf4\uc870\uae08 \ubd84\ubc30 \uc2dc\ub098\ub9ac\uc624\ub97c \uc704\ud574 \uac1c\ucc99\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                          \n

                          VII. \uc678\uad6d\uc778 \ud22c\uc790 \uc9c4\ucd9c \uc804\ub7b5\uc5d0 \ub300\ud55c \uc81c\uc5b8<\/strong><\/h4>\n

                          \ud398\uc774\ud314\uc774\ub098 \uc54c\ub9ac\ud398\uc774\uc640 \uac19\uc740 \ud574\uc678 \ud50c\ub808\uc774\uc5b4\uc758 \uacbd\uc6b0 \ucc28\ubcc4\ud654\ub41c \uacbd\ub85c\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n

                            \n
                          1. B2B \uc6b0\uc120 \uc21c\uc704<\/em>:
                            \n\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \ud310\ub9e4\uc790\ub97c \uc704\ud55c \uc11c\ube44\uc2a4 \uc81c\uacf5(\ubca0\ud2b8\ub0a8 \ub77c\uc790\ub2e4\uc758 40% \ud310\ub9e4\uc790\uc5d0\uac8c\ub294 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc218\uae08 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud568)<\/li>\n
                          2. \uae30\uc220 \uc218\ucd9c \ubaa8\ub378<\/em>:
                            \n\ud604\uc9c0 \uc740\ud589\uc5d0 \ud074\ub77c\uc6b0\ub4dc \ucef4\ud4e8\ud305\/\ube45\ub370\uc774\ud130 \uae30\ub2a5 \uc81c\uacf5(Vietcombank\ub294 AWS \uae08\uc735 \ud074\ub77c\uc6b0\ub4dc \ub3c4\uc785)<\/li>\n
                          3. \uc778\uc218\ud569\ubcd1(M&A)\uc744 \ud1b5\ud55c \uac15\ud654<\/em>:
                            \n\uad50\uc721\ube44 \uacb0\uc81c \ud50c\ub7ab\ud3fc \uc628\ud398\uc774\uc640 \uac19\uc740 \ubc84\ud2f0\uceec \uc804\ubb38 \uae30\uc5c5 \uc778\uc218 \uac00\ub2a5<\/li>\n<\/ol>\n
                            \n

                            VIII. \uc704\ud5d8 \uc870\uae30 \uacbd\uace0 \uc9c0\ud45c<\/strong><\/h4>\n

                            \ud22c\uc790\uc790\ub294 \ub2e4\uc74c \uc2e0\ud638\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.
                            \n\u2705\uc815\ucc45: \ube44\uc740\ud589\uae30\uad00 \uc678\ud658 \uad00\ub9ac \uc870\uce58 \uac1c\uc815 \uc9c4\ud589 \uc0c1\ud669
                            \n\u2705\uc2dc\uc7a5 \uce21\uba74: MoMo\/VNPAY\ub294 \uc5b8\uc81c\ucbe4 \uc548\uc815\uc801\uc778 \uc218\uc775\uc131\uc744 \ub2ec\uc131\ud560 \uc218 \uc788\uc744\uae4c\uc694?
                            \n\u2705\uae30\uc220: QRPh(\uc544\uc138\uc548 \ud1b5\ud569 QR\ucf54\ub4dc \ud45c\uc900) \ubca0\ud2b8\ub0a8 \uc0c1\ub959 \uc77c\uc815<\/p>\n

                            \n

                            \uacb0\ub860 \uc804\ub9dd<\/strong><\/h3>\n

                            \ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c\ub294 '\uace0\uc131\uc7a5'\uc5d0\uc11c '\uc9c8\uc801 \uc131\uc7a5'\uc73c\ub85c\uc758 \uc804\ud658\uae30\ub97c \ub9de\uc774\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud5a5\ud6c4 3\ub144\uac04\uc758 \uc8fc\uc694 \uc2b9\uc790\uc640 \ud328\uc790\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.
                            \n\ud83d\udd39\uc9c0\ubc29 \uc2dc\uc7a5\uc758 \ub9c8\uc9c0\ub9c9 \uad00\ubb38\uc744 \ub6ab\uc744 \uc218 \uc788\uc744\uae4c(\ub300\ub9ac\uc810 \ub124\ud2b8\uc6cc\ud06c \uad6c\ucd95\uc774 \uad00\uac74)
                            \n\ud83d\udd39 \uc9c0\uc18d \uac00\ub2a5\ud55c \ud3d0\uc1c4\ud615 \uc218\uc775 \uc2e4\ud604 \ub8e8\ud504 \ud615\uc131 \uc5ec\ubd80(\uad11\uace0\/\uc2e0\uc6a9 \ub4f1 \uace0\ub9c8\uc9c4 \ube44\uc988\ub2c8\uc2a4 \ube44\uc911)
                            \n\ud83d\udd39 \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ud601\uc2e0 \ud30c\uc77c\ub7ff\uc758 \uac1c\ubc29\uc131<\/p>\n

                            2026\ub144\uae4c\uc9c0 \ubcf4\uc218\uc801\uc73c\ub85c \uc608\uc0c1\ud55c \uc218\uce58\uc785\ub2c8\ub2e4.
                            \n- \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960 65%(\ud604\uc7ac \uc57d 50%) \ub2ec\uc131
                            \n- BNPL \uc2dc\uc7a5 \uaddc\ubaa8 15\uc5b5 \ub2ec\ub7ec \ub3cc\ud30c
                            \n- 50\uc5b5 \ub2ec\ub7ec \uc774\uc0c1\uc758 \uac00\uce58\ub97c \uc9c0\ub2cc \ucd5c\ucd08\uc758 \ud540\ud14c\ud06c \uc720\ub2c8\ucf58\uc774 \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

                            \ubca0\ud2b8\ub0a8\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0b0\uc5c5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uc5ec \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc774 \ub418\uc5c8\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":[34],"tags":[],"class_list":["post-2780","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"\n\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\" \/>\n<meta property=\"og:description\" content=\"\u8d8a\u5357\u7684\u6570\u5b57\u652f\u4ed8\u884c\u4e1a\u8fd1\u5e74\u6765\u53d1\u5c55\u8fc5\u901f\uff0c\u6210\u4e3a\u4e1c\u5357\u4e9a\u5730\u533a\u589e\u957f\u6700\u5feb\u7684\u5e02…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/\" \/>\n<meta property=\"og:site_name\" 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=\"2025-05-17T06:08:59+00:00\" \/>\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<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\",\"datePublished\":\"2025-05-17T06:08:59+00:00\",\"dateModified\":\"2025-05-17T06:08:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\"},\"wordCount\":81,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u8d8a\u5357\u652f\u4ed8\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\",\"name\":\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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