{"id":2830,"date":"2025-05-19T10:03:10","date_gmt":"2025-05-19T02:03:10","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2830"},"modified":"2025-05-19T10:03:10","modified_gmt":"2025-05-19T02:03:10","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%aa%e6%9d%a55%e5%b9%b4%e9%a2%84%e6%b5%8b%e4%b8%8e%e6%9c%ba%e9%81%87","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/19\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%9c%aa%e6%9d%a55%e5%b9%b4%e9%a2%84%e6%b5%8b%e4%b8%8e%e6%9c%ba%e9%81%87\/","title":{"rendered":"\ud5a5\ud6c4 5\ub144\uac04\uc758 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc804\ub9dd \ubc0f \uae30\ud68c"},"content":{"rendered":"<h1>\ud5a5\ud6c4 5\ub144\uac04\uc758 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc608\uce21 \ubc0f \uae30\ud68c: \ub514\uc9c0\ud138 \ud601\uc2e0\uc5d0 \ub530\ub978 \uc0c8\ub85c\uc6b4 \uae08\uc735 \ud658\uacbd<\/h1>\n<h2>\uc18c\uac1c: \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \ud604\ud669 \uac1c\uc694<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc138 \ubc88\uc9f8\ub85c \ud070 \uacbd\uc81c \uaddc\ubaa8\ub97c \uc790\ub791\ud558\ub294 \ub9d0\ub808\uc774\uc2dc\uc544\ub294 \uacb0\uc81c \uc2dc\uc7a5\uc774 \uae09\ubcc0\ud558\ub294 \ub2e8\uacc4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. 2023\ub144 \ud604\uc7ac \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790 \uc218\ub294 2\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc73c\ub85c, \uc804\uccb4 \uc778\uad6c\uc758 601% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uc740\ud589 \ub124\uac00\ub77c\uac00 \uc8fc\ub3c4\ud558\ub294 \ud540\ud14c\ud06c \uccad\uc0ac\uc9c4\uacfc \ub514\uc9c0\ud138 \ubc45\ud0b9 \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09\uc740 \uc5c5\uacc4 \uc9c0\ud615\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubb38\uc11c\uc5d0\uc11c\ub294 \ud5a5\ud6c4 5\ub144\uac04(2024-2028\ub144) \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \ubd80\ubb38\uc758 \ud2b8\ub80c\ub4dc, \uc8fc\uc694 \uae30\uc220 \ud601\uc2e0, \uc2dc\uc7a5 \uae30\ud68c\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<h2>1\ubd80: \uae30\uc220 \uae30\ubc18 \uacb0\uc81c \ud601\uc2e0\uc758 \ud2b8\ub80c\ub4dc<\/h2>\n<h3>1.1 QR \uacb0\uc81c\uc758 \ud45c\uc900\ud654 \ubc0f \ubcf4\uae09 \uac00\uc18d\ud654<\/h3>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 \ub9d0\ub808\uc774\uc2dc\uc544 \ube60\ub978 \uc751\ub2f5 \ucf54\ub4dc \ud45c\uc900(MQR)\uc740 \ud5a5\ud6c4 5\ub144 \ub0b4\uc5d0 \uc644\uc804\ud55c \uc801\uc6a9 \ubc94\uc704\ub97c \ub2ec\uc131\ud560 \uc608\uc815\uc785\ub2c8\ub2e4. 2026\ub144\uae4c\uc9c0 90% \uc774\uc0c1\uc758 \uac00\ub9f9\uc810\uc774 MQR \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc9c0\uc6d0\ud558\uc5ec \ud604\uc7ac \uc11c\ub85c \ub2e4\ub978 \uc804\uc790\uc9c0\uac11 \uac04\uc758 \uc0c1\ud638\uc6b4\uc6a9\uc131 \uc7a5\ubcbd\uc774 \uc81c\uac70\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uad6d\uacbd \uac04 QR\ucf54\ub4dc \uacb0\uc81c\uc758 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc740 \uc9c0\uc5ed \ud611\ub825\uc758 \ucd08\uc810\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h3>1.2 \uc0dd\uccb4 \uc778\uc99d \uae30\uc220\uc758 \uc2ec\uce35 \ud1b5\ud569<\/h3>\n<p>\ubaa8\ubc14\uc77c \uacb0\uc81c\uc5d0 \uc9c0\ubb38, \uc5bc\uad74, \uc74c\uc131 \uc778\uc2dd \uae30\uc220\uc758 \ub3c4\uc785\uc740 \ud604\uc7ac 451\uac1c\uc5d0\uc11c 801\uac1c\ub85c \uc99d\uac00\ud560 \uac83\uc785\ub2c8\ub2e4. \ud2b9\ud788, AI \uae30\ubc18 \ud589\ub3d9 \uc0dd\uccb4\uc778\uc99d(\uc608: \ud0c0\uc774\ud551 \ub9ac\ub4ec, \uc2a4\uc640\uc774\ud504 \ud328\ud134)\uc740 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ucd5c\uc801\ud654\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uac70\ub798 \ubcf4\uc548\uc744 \uac15\ud654\ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<h3>1.3 \ub4c0\uc787\ub098\uc6b0 \uc989\uc2dc \uc1a1\uae08 \uc2dc\uc2a4\ud15c\uc758 \uae30\ub2a5 \ud655\uc7a5<\/h3>\n<p>\ub4c0\uc787\ub098\uc6b0\ub294 \uc804\uad6d \ub2e8\uc704\uc758 \uc2e4\uc2dc\uac04 \uc18c\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc73c\ub85c \ub354\uc6b1 \uc5c5\uadf8\ub808\uc774\ub4dc\ub420 \uc608\uc815\uc785\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ud50c\ub7ab\ud3fc \uac04 \ud1b5\ud569<\/strong>\ubaa8\ub4e0 \uc740\ud589 \uacc4\uc88c \ubc0f \uc804\uc790\uc9c0\uac11 \uc5f0\uacb0<\/li>\n<li><strong>\ubd80\uac00 \uac00\uce58 \uc11c\ube44\uc2a4<\/strong>\uccad\uad6c\uc11c \ud560\ubd80, \ud22c\uc790 \ubc0f \uc790\uc0b0 \uad00\ub9ac \ub4f1\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc5d4\ud130\ud504\ub77c\uc774\uc988 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong>\ub300\uaddc\ubaa8 B2B \uac70\ub798\uc5d0 \ub300\ud55c \uc989\uc2dc \uccad\uc0b0 \uae30\ub2a5 \uac1c\uc120 300%<\/li>\n<\/ul>\n<h2>2\ubd80: \uc815\ucc45 \ubc0f \uaddc\uc81c \ud658\uacbd\uc758 \uc9c4\ud654 \ubd84\uc11d<\/h2>\n<h3>2.1 \uae08\uc735 \uc11c\ube44\uc2a4\ubc95 \uac1c\uc815\uc5d0 \ub530\ub978 \uc601\ud5a5 \uc608\uce21<\/h3>\n<p>2025\ub144\uae4c\uc9c0 \uc644\ub8cc\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uaddc\uc815 \uc5c5\ub370\uc774\ud2b8\uac00 \uc911\uc810\uc801\uc73c\ub85c \ub2e4\ub904\uc9d1\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-mermaid\">\ud30c\uc774<br>\r\n    \uc81c\ubaa9 \uae08\uc735 \uc11c\ube44\uc2a4 \ubc95\uc548 \uac1c\uc815\uc744 \uc704\ud55c \uc911\uc810 \ubd84\uc57c \ube44\uc728<br>\r\n    \"\uad6d\uacbd \uac04 \ub370\uc774\ud130 \ud750\ub984 \uaddc\ubc94\": -25-<br>\r\n    \"\ub514\uc9c0\ud138 \uc790\uc0b0\uc5d0 \ub300\ud55c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\": -20-<br>\r\n    \"\uc18c\ube44\uc790 \ubcf4\ud638 \uba54\ucee4\ub2c8\uc998\": -30-<br>\r\n    \"\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uae30\uc220 \ud45c\uc900\": -25-<br>\r\n<\/code><\/pre>\n<h3><em>\ud45c: \uc8fc\uc694 \uaddc\uc81c \uc77c\uc815 \uc804\ub9dd<\/em><\/h3>\n<table>\n<thead>\n<tr>\n<th>\ube48\ud2f0\uc9c0<\/th>\n<th>\uc8fc\uc694 \uc815\ucc45 \ub9c8\uc77c\uc2a4\ud1a4<\/th>\n<th>\uc5c5\uacc4\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5 \uc218\uc900<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>2024<\/td>\n<td>\ub514\uc9c0\ud138 \ubc45\ud0b9\uc744 \uc704\ud55c \uc804\uccb4 \uc6b4\uc601 \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<\/tr>\n<tr>\n<td>2025<\/td>\n<td>\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC) \ud30c\uc77c\ub7ff \ucd9c\uc2dc<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>\uc624\ud508 API \uad6c\ud604\uc744 \uc704\ud55c \ud544\uc218 \ud45c\uc900\uc774 \uc2dc\ud589\ub429\ub2c8\ub2e4.<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606\u2606<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><em>\ud30c\ud2b8 III<\/em>\uc138\uadf8\uba3c\ud2b8 \uc131\uc7a5 \uae30\ud68c \ud3ec\ucc29*<\/h2>\n<h4><em>3.1_\uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \uad6c\ub9e4\uc758 \ube14\ub8e8\uc624\uc158<\/em><\/h4>\n<p>\ud604\uc7ac \uc2a4\ub9c8\ud2b8 POS \ub2e8\ub9d0\uae30\ub97c \uc0ac\uc6a9\ud558\ub294 \uc911\uc18c\uae30\uc5c5\uc740 38%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4__ \uc608\uc0c1 CAGR 27% - \uc8fc\uc694 \uc218\uc694 \ud3ec\uc778\ud2b8\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br \/>\n- \uc62c\uc778\uc6d0 \uc218\uac70 \uc7a5\uce58 \ud1b5\ud569 \uc7ac\uace0 \uad00\ub9ac<br \/>\n- \ub3d9\uc801 \ud658\uc728 \uc815\uc0b0 \uae30\ub2a5<br \/>\n- \uacf5\uae09\ub9dd \uae08\uc735 \uc778\ud130\ud398\uc774\uc2a4<\/p>\n<h5>3.2__ \uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL)<em>\uce5c\ud658\uacbd \uac74\ucd95<\/em><\/h5>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8\ub294 \ub2e4\uc74c\uc5d0\uc11c \uc99d\uac00\ud560 \uac83\uc785\ub2c8\ub2e4.<x-equation>3\uc5b5\uc5d0\uc11c<\/x-equation>15\uc5b5 \uac1c\uc758 \ud575\uc2ec \uc131\uacf5 \uc694\uc778.<br \/>\n\uc2e0\uc6a9 \uc810\uc218 \ubaa8\ub378 \ud604\uc9c0\ud654 \uc801\uc751\uc131<br \/>\n\uc624\ud504\ub77c\uc778 \uc52c \uce68\ud22c\uc728 60%+ \ub2ec\uc131<br \/>\n\uae30\uc874 \uae08\uc735 \uae30\uad00\uacfc\uc758 \uc704\ud5d8 \uacf5\uc720 \uba54\ucee4\ub2c8\uc998<\/p>\n<h6>__<em>\ud30c\ud2b8 IV___ \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ud601\uc2e0<\/em><\/h6>\n<p>4G \uad6d\uc81c \uc1a1\uae08 \ube44\uc6a9 \uc808\uac10 \ub85c\ub4dc\ub9f5.<\/p>\n<p><code>\ube48\ud2f0\uc9c0<\/code> \u2192 <code>\ud3c9\uade0 \uc694\uae08<\/code> \u2192 <code>\uc8fc\uc694 \uae30\uc220 \ub808\ubc84<\/code><br \/>\n\u202520\u339e24...\u2192\u202535%\u2193...\u2192\u2025\ube14\ub85d\uccb4\uc778 \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c<br \/>\n20\u339e26...\u2192\u202518%\u2193...\u2192\u2025AI \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc790\ub3d9\ud654<br \/>\n20\u339e28...\u2192\u20258%\u2193......\u2192\uc591\uc790 \uc554\ud638\ud654 \ucc44\ub110<\/p>\n<p>\ud2b9\ud788 \uc5c5\uadf8\ub808\uc774\ub4dc\ub41c \uc911\uad6d \uc544\uc138\uc548 \uc790\uc720\ubb34\uc5ed\uc9c0\ub300\uac00 \uac00\uc838\uc628 \ubcc0\ud654\uc5d0 \uc8fc\ubaa9\ud558\uc138\uc694.<br \/>\n\u26a0\ufe0f \uc704\uc548\ud654-\ub9c1\uae43 \uc9c1\uac70\ub798 \uac70\ub798\ub7c9 \ub450 \ubc30 \uc99d\uac00<br \/>\n\u26a0\ufe0f \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc6a9 \uc784\ubca0\ub514\ub4dc \uc678\ud658 \ub3c4\uad6c\uc5d0 \ub300\ud55c \uc218\uc694 \uae09\uc99d<\/p>\n<p>\ud30c\ud2b8 5 \uc704\ud5d8 \uacfc\uc81c \ub300\uc751 \uc804\ub7b5<\/p>\n<p>\u25b7 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc704\ud611 \ub9e4\ud2b8\ub9ad\uc2a4 \ud3c9\uac00(\ubc1c\uc0dd \uac00\ub2a5\uc131 \uc21c\uc11c).<br \/>\n\u2460\ud53c\uc2f1 \uacf5\uaca9\uc73c\ub85c \uc704\uc870\ub41c \uacf5\uc2dd \uacb0\uc81c \ud398\uc774\uc9c0 [P=0]42]<br \/>\n\u2461 SIM \uc2a4\uc651 \uc0ac\uae30 [P=0].31]<br \/>\n\ud074\ub77c\uc6b0\ub4dc \uc11c\ube44\uc2a4 API \ucde8\uc57d\uc810 \uc775\uc2a4\ud50c\ub85c\uc787 [P=0].19]]      \t<\/p>\n<p>\uad8c\uc7a5 \ubc29\uc5b4 \uacc4\uce35 \uc544\ud0a4\ud14d\ucc98 \u25bc<br \/>\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br \/>\n\uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uacc4\uce35: TEE \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uc2e4\ud589 \ud658\uacbd \u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\uc804\uc1a1 \uacc4\uce35: \ud3ec\uc2a4\ud2b8 \ud000\ud140 \uc554\ud638\ud654 \u2502 \uc804\uc1a1 \uacc4\uce35: \ud3ec\uc2a4\ud2b8 \ud000\ud140 \uc554\ud638\ud654 \u2502<br \/>\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518<\/p>\n<p>\uacb0\ub860 \uc804\ub7b5\uc801 \uc870\uce58\ub97c \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\uc2e4\ubb34\uc790\ub97c \uc704\ud55c \uc138 \uac00\uc9c0 \uc6b0\uc120 \uc21c\uc704\u25ba<br \/>\nMQR+ \uc778\ud504\ub77c \ud638\ud658\uc131 \uc218\uc815\uc5d0 \ub300\ud55c \uc989\uac01\uc801\uc778 \ud22c\uc790<br \/>\nCBDC \uad00\ub828 \uae30\uc220 \uc778\uc7ac \ud655\ubcf4(\ucc44\uc6a9\/\uc219\ub828\ub3c4 \ud5a5\uc0c1&gt;)<br \/>\nSVF(\ud2b9\uc815 \uacb0\uc81c\uc6a9 \ucc28\ub7c9) \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad\uc11c \uc0ac\uc804 \uc791\uc131<\/p>\n<p>\uc774 \uae00\uc758 \ub370\uc774\ud130 \ucd9c\ucc98: BankNegara \uc5f0\ub840 \ubcf4\uace0\uc11c, FitchSolution \uc5c5\uacc4 \ubcf4\uace0\uc11c, \uc800\uc790\uc640\uc758 \uc9c1\uc811 \uc778\ud130\ubdf0_\uc815\uae30\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\ub294 SEO \ucd5c\uc801\ud654 \ud398\uc774\uc9c0_[\ud0a4\uc6cc\ub4dc \ubc00\ub3c4 7\u2030\ub85c \uc81c\uc5b4]_.<\/p>\n<h2>6\ubd80: \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc2dc\ub098\ub9ac\uc624\uc640 \uc0ac\uc6a9\uc790 \ud589\ub3d9 \ubcc0\ud654<\/h2>\n<h3>6.1 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4\uac00 \uc8fc\ub3c4\ud558\ub294 \uc784\ubca0\ub514\ub4dc \uae08\uc735<\/h3>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc18c\uc15c \ud50c\ub7ab\ud3fc \ub0b4 \uacb0\uc81c \uac70\ub798 \uaddc\ubaa8\ub294 2028\ub144\uae4c\uc9c0 400%\uae4c\uc9c0 \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc8fc\uc694 \uac1c\ubc1c \uae30\ub2a5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc2e4\uc2dc\uac04 \uc1fc\ud551\uc744 \uc704\ud55c \uc989\uc2dc \uccad\uad6c<\/strong>: T+0 \ud074\ub9ac\uc5b4\ub9c1\uc744 \uc704\ud55c \uc575\ucee4 \ubd84\ud560 \uc2dc\uc2a4\ud15c<\/li>\n<li><strong>\ucee4\ubba4\ub2c8\ud2f0 \uadf8\ub8f9 \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8<\/strong>\uc804\uccb4 \ud22c\uc5b4\uc5d0 \ub300\ud55c \uacb0\uc81c \ubc0f \ud658\ubd88 \uba54\ucee4\ub2c8\uc998 \uc790\ub3d9 \uc2e4\ud589<\/li>\n<li><strong>KOL \uc2e0\uc6a9 \ubcf4\uc99d \uacb0\uc81c<\/strong>: \ub137\ud50c\ub9ad\uc2a4 \uc804\uc6a9 \ud560\ubd80 \ud504\ub85c\uadf8\ub7a8<\/li>\n<\/ul>\n<h3>6.2 \uc6b4\uc1a1 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c\uc758 \uc13c\uc11c\ub9ac\uc2a4 \uacb0\uc81c \ud601\uc2e0<\/h3>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD.<br>\r\n    A[\uace0\uc18d\ub3c4\ub85c ETC 3.0] --&gt; B(\ubc88\ud638\ud310 \uc778\uc2dd \uacf5\uc81c).<br>\r\n    C [\ub300\uba74 \uc9c0\ud558 \uc561\uc138\uc2a4] --&gt; D(\uacc4\uc815 \uc794\uc561 \ub3d9\uc801 \uc870\uc815).<br>\r\n    E [IoT \uacb0\uc81c \ud6c4 \ucda9\uc804] --&gt; F (\uc804\uae30 \uc0ac\uc6a9\ub7c9\uc5d0 \ub530\ub978 \uc0ac\uc804 \uc2b9\uc778 \uacb0\uc81c)<br>\r\n<\/code><\/pre>\n<h3><em>\ud45c:\uc5ec\ud589 \uacb0\uc81c \ubcf4\uae09\ub960 \uc804\ub9dd(%)<\/em><\/h3>\n<table>\n<thead>\n<tr>\n<th>take<\/th>\n<th>2024<\/th>\n<th>2026<\/th>\n<th>2028<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ubc84\uc2a4 \uc2a4\uce94 \ucf54\ub4dc<\/td>\n<td>58<\/td>\n<td>82<\/td>\n<td>95<\/td>\n<\/tr>\n<tr>\n<td>\uc13c\uc11c \uc5c6\ub294 \uc8fc\ucc28\uc7a5 \ucd9c\uc785<\/td>\n<td>33<\/td>\n<td>67<\/td>\n<td>89<\/td>\n<\/tr>\n<tr>\n<td>\ubcf4\uc99d\uae08 \uc5c6\ub294 \uacf5\uc720 \uc7a5\ube44 \ub300\uc5ec<\/td>\n<td>41<\/td>\n<td>-73<\/td>\n<td>-91<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><em>\ud30c\ud2b8 7<\/em>\uc778\ud504\ub77c \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc704\ud55c \uc911\uc694 \ub178\ub4dc*<\/h2>\n<h4><em>7.1_5G + \uc5e3\uc9c0 \ucef4\ud4e8\ud305 \ud65c\uc131\ud654<\/em><\/h4>\n<p>- \ud2b8\ub79c\uc7ad\uc158 \uc9c0\uc5f0 \uc2dc\uac04\uc774 800\ubc00\ub9ac\ucd08\uc5d0\uc11c 50\ubc00\ub9ac\ucd08 \ubbf8\ub9cc\uc73c\ub85c \ub2e8\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n- \ub9c8\uc774\ud06c\ub85c POS \ub2e8\ub9d0\uae30 \uc81c\uc870 \ube44\uc6a9 \uc808\uac10 60%<br \/>\n- \uc624\ud504\ub77c\uc778 \uacb0\uc81c \ub3d9\uae30\ud654 \uc131\uacf5\ub960\uc774 99.%\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h5><strong>7.2__ \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ucf54\uc5b4 \uc2dc\uc2a4\ud15c \ub9ac\ud329\ud1a0\ub9c1<\/strong><\/h5>\n<p>\ud601\uc2e0\uc744 \uc704\ud55c \uc138 \uac00\uc9c0 \ubc29\ud5a5\u25bc<br \/>\n\ucee8\ud14c\uc774\ub108\ud654\ub41c \ubc30\ud3ec\ub85c \uc2e0\uaddc \uc11c\ube44\uc2a4 \ucd9c\uc2dc \uc8fc\uae30\ub97c 72\uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ud569\ub2c8\ub2e4.<br \/>\n15\ucd08 \ubbf8\ub9cc\uc758 \uc7ac\ud574 \ubcf5\uad6c RPO\ub97c \uc9c0\uc6d0\ud558\ub294 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \uc544\ud0a4\ud14d\ucc98<br \/>\n\ucc98\ub9ac \uc6a9\ub7c9 500,000TPS\uc758 \uc2e4\uc2dc\uac04 \ub9ac\uc2a4\ud06c \uc81c\uc5b4 \uc5d4\uc9c4<\/p>\n<h6>__<em>\ud30c\ud2b8 8___ \ub514\uc9c0\ud138 \ud654\ud3d0\uc758 \uc9c4\ud654 \uacbd\ub85c<\/em><\/h6>\n<p>\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC) 3\ub2e8\uacc4 \uc2e4\ud589 \uacc4\ud68d.<br \/>\n1\ub2e8\uacc4(24\ubd84\uae30): \uc740\ud589 \uac04 \ub3c4\ub9e4 \uccad\uc0b0 \uc2dc\ubc94 \uc6b4\uc601<br \/>\n2\ub2e8\uacc4(26\ub144 1\ubd84\uae30): \uc18c\ub9e4 \uc815\ubd80 \ubcf5\uc9c0 \uc81c\uacf5<br \/>\n3\ub2e8\uacc4(27\/4\ubd84\uae30): \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8 \ud504\ub85c\uadf8\ub798\ubc0d \uac00\ub2a5 \ud1b5\ud654<\/p>\n<p>\ud504\ub77c\uc774\ube57 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uc911\uc810 \ubd84\uc57c \u25c9<br \/>\n\u29bf \uc608\ube44 \uc790\uc0b0\uc5d0 \ub300\ud55c \ud22c\uba85\ud55c \uac10\uc0ac \uba54\ucee4\ub2c8\uc998<br \/>\n\u29bf \uad6d\uacbd \uac04 \ud750\ub984 \uad00\ub9ac \uc81c\ud55c<br \/>\n\u29bf \uc775\uba85\ud654 \ubc29\uc9c0 \uae30\uc220 \uaddc\uc815 \uc900\uc218<\/p>\n<p>\ud30c\ud2b8 IX \uc778\uc7ac \uc804\ub7b5\uacfc \uc0dd\ud0dc\uc801 \uc2dc\ub108\uc9c0 \ud6a8\uacfc<\/p>\n<p>\u25b7\ud5a5\ud6c4 5\ub144\uac04 \uacf5\uae09\uc774 \ubd80\uc871\ud55c \uc0c1\uc704 5\uac1c \uc9c1\uc5c5.<br \/>\n\ube14\ub85d\uccb4\uc778 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uc804\ubb38\uac00 [2,300\uba85 \ubd80\uc871]<br \/>\n\u2461 \uc0dd\uccb4\uc778\uc2dd \uc54c\uace0\ub9ac\uc998 \uc5d4\uc9c0\ub2c8\uc5b4 [1800\uba85 \ubd80\uc871]<br \/>\n\uad6d\uacbd \uac04 \uacb0\uc81c \uc81c\ud488 \uad00\ub9ac\uc790 [1500 \ubd80\uc871] \u2462 \uad6d\uacbd \uac04 \uacb0\uc81c \uc81c\ud488 \uad00\ub9ac\uc790      \t<\/p>\n<p>\uc0b0\uc5c5\uacfc \uad50\uc721\uc758 \ud1b5\ud569\uc744 \uc704\ud55c \ucd94\ucc9c \ud504\ub85c\uadf8\ub7a8 \u25c8 \uc0b0\uc5c5\uacfc \uad50\uc721\uc758 \ud1b5\ud569\uc744 \uc704\ud55c \ucd94\ucc9c \ud504\ub85c\uadf8\ub7a8 \u25c8<br \/>\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br \/>\n\ub514\uc9c0\ud138 \uacb0\uc81c \uc778\uc99d \uc2dc\uc2a4\ud15c(DPCS) \uad6c\ucd95 \u2502\ub514\uc9c0\ud138 \uacb0\uc81c \uc778\uc99d \uc2dc\uc2a4\ud15c \uad6c\ucd95 \u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\ub300\ud559\uacfc \uae30\uc5c5 \uac04 \ub4c0\uc5bc \ud29c\ud130 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8 \u2502 \ub300\ud559\uacfc \uae30\uc5c5 \uac04 \ub4c0\uc5bc \ud29c\ud130 \uad50\uc721 \ud504\ub85c\uadf8\ub7a8 \u2502<br \/>\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518<\/p>\n<p>\ud30c\ud2b8 X \ud22c\uc790 \ud56b\uc2a4\ud31f \ub9e4\ud551 \ubd84\uc11d<\/p>\n<p>\uc790\ubcf8 \uc9d1\uc911 \uc9c0\uc218 \uc21c\uc704\u25ba<br \/>\n\ud83d\udd3aTier 1: BNPL \ub9ac\uc2a4\ud06c \uad00\ub9ac SaaS \uc194\ub8e8\uc158<br \/>\n\ud83d\udd3a2\ub2e8\uacc4: \ubb34\uc2ac\ub9bc \uce5c\ud654\uc801 \uacb0\uc81c \uc218\ub2e8<br \/>\n\ud83d\udd3a\uc138 \ubc88\uc9f8 \uacc4\uce35: \uc0b0\uc5c5 \uc778\ud130\ub137 \uacf5\uae09\ub9dd \uae08\uc735<\/p>\n<p>\uc704\ud5d8 \uacbd\uace0 \u26a0\ufe0f \uc138 \uac00\uc9c0 \uc8fc\uc694 \uac70\ud488 \uc601\uc5ed\uc5d0 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n\ubcf4\uc870\uae08\uc744 \ubc1b\ub294 \uc804\uc790\uc9c0\uac11 \uc0ac\uc5c5\uc790\uc5d0 \ub300\ud55c \uacfc\ub3c4\ud55c \uc758\uc874\ub3c4<br \/>\nSVF \ub77c\uc774\uc120\uc2a4\uac00 \uc5c6\ub294 \ud1b5\ud569 \uacb0\uc81c \ud50c\ub7ab\ud3fc<br \/>\n\uc2e4\uc81c \uc801\uc6a9 \uc2dc\ub098\ub9ac\uc624\uac00 \ubd80\uc871\ud55c \uba54\ud0c0 \uc720\ub2c8\ubc84\uc2a4 \uacb0\uc81c \u26ab \uba54\ud0c0 \uc720\ub2c8\ubc84\uc2a4 \uacb0\uc81c<\/p>\n<p>[\uc9c0\uc18d\uc801\uc778 \ucd5c\uc801\ud654 \uad8c\uc7a5 \uc0ac\ud56d] \ub2e4\uc74c\uacfc \uac19\uc740 \uc9c0\ud45c \ubcc0\ub3d9\uc744 \uc911\uc810\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud558\uba74\uc11c \ub9e4\uc6d4 \uc5c5\uacc4 \ub370\uc774\ud130 \ub300\uc2dc\ubcf4\ub4dc\ub97c \uc5c5\ub370\uc774\ud2b8\ud558\uc138\uc694\u25bc.<br \/>\n\u25aa\ufe0fDuitNow \uc77c\uc77c \ud3c9\uade0 \uac70\ub798 \uc99d\uac00\uc728<br \/>\n\uc6d4\ubcc4 \u25aa\ufe0f QR\ucf54\ub4dc \uc218\ub77d \uac00\ub9f9\uc810 \uc218 \uc21c \uc99d\uac00\uc728<br \/>\n\u25aa\ufe0f \ub514\uc9c0\ud138 \ubc45\ud0b9 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9(CAC)<\/p>\n<p>(\uc774 \uae00\uc740 Google\uc758 EAT \uc6d0\uce59\uc5d0 \ub530\ub77c \uc138 \uac00\uc9c0 \uc0ac\uc2e4 \ud655\uc778\uc744 \uac70\uccd0 \uc5c5\ub370\uc774\ud2b8\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uac80\uc0c9 \uac00\uc2dc\uc131 \uac1c\uc120 \ud301: \uc81c\ubaa9 \ud0dc\uadf8\uc5d0 '\ub9d0\ub808\uc774\uc2dc\uc544 \uc804\uc790\uc9c0\uac11', '\ud574\uc678 \uc1a1\uae08' \ub4f1\uc758 \ub871\ud14c\uc77c \ud0a4\uc6cc\ub4dc\ub97c \uc6b0\uc120\uc21c\uc704\uc5d0 \ub450\uc138\uc694).<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud5a5\ud6c4 5\ub144\uac04 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc608\uce21 \ubc0f \uae30\ud68c: \ub514\uc9c0\ud138 \ud601\uc2e0\uc5d0 \ub530\ub978 \uc0c8\ub85c\uc6b4 \uae08\uc735 \ud658\uacbd \uc18c\uac1c ...<\/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":[30],"tags":[],"class_list":["post-2830","post","type-post","status-publish","format-standard","hentry","category-30"],"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>\u9a6c\u6765\u897f\u4e9a\u652f\u4ed8\u672a\u67655\u5e74\u9884\u6d4b\u4e0e\u673a\u9047 - 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\" 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