{"id":2835,"date":"2025-05-19T10:13:13","date_gmt":"2025-05-19T02:13:13","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2835"},"modified":"2025-05-19T10:13:13","modified_gmt":"2025-05-19T02:13:13","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%a4%ae%e8%a1%8c%e7%9b%91%e7%ae%a1%e6%94%bf%e7%ad%96%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%ef%bc%9f","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%e5%a4%ae%e8%a1%8c%e7%9b%91%e7%ae%a1%e6%94%bf%e7%ad%96%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%ef%bc%9f\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc758 \uaddc\uc81c \uc815\ucc45\uc740 \uacb0\uc81c \uc5c5\uacc4\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub098\uc694?"},"content":{"rendered":"

\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc758 \uaddc\uc81c \uc815\ucc45\uc740 \uacb0\uc81c \uc5c5\uacc4\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub098\uc694?<\/strong><\/h1>\n

\uc18c\uac1c<\/strong><\/h2>\n

\ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uacb0\uc81c \uc0b0\uc5c5\uc740 \ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uacfc \ud568\uaed8 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc5c4\uccad\ub09c \ubcc0\ud654\ub97c \uacaa\uc5c8\uc2b5\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 \uc8fc\uc694 \uae08\uc735 \uc911\uc2ec\uc9c0 \uc911 \ud558\ub098\uc778 \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc911\uc559\uc740\ud589(Bank Negara Malaysia, BNM)\uc740 \uacb0\uc81c \ud601\uc2e0 \ucd09\uc9c4\uacfc \uaddc\uc81c \uac15\ud654 \uc0ac\uc774\uc5d0\uc11c \uade0\ud615\uc744 \uc7a1\uae30 \uc704\ud574 \ub178\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubc31\uc11c\uc5d0\uc11c\ub294 \ub9d0\ub808\uc774\uc2dc\uc544 \uc911\uc559\uc740\ud589\uc758 \uaddc\uc81c \uc815\ucc45\uc774 \ud604\uc9c0 \ubc0f \uad6d\uc81c \uacb0\uc81c \ube44\uc988\ub2c8\uc2a4, \uc18c\ube44\uc790 \ud589\ub3d9, \uc5c5\uacc4 \uc804\ubc18\uc758 \ubbf8\ub798 \ub3d9\ud5a5\uc5d0 \uc5b4\ub5a4 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294\uc9c0 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4.<\/p>\n

\n

1. \uacb0\uc81c \uc0b0\uc5c5\uc5d0\uc11c \ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc758 \uc5ed\ud560<\/strong><\/h2>\n

(1) \uc8fc\uc694 \uc5c5\ubb34<\/strong><\/h3>\n

\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589(BNM)\uc740 \ub9d0\ub808\uc774\uc2dc\uc544 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc131\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud55c \uae08\uc735 \uc815\ucc45\uc744 \uc218\ub9bd\ud558\uace0 \uc2dc\ud589\ud558\ub294 \uc5c5\ubb34\ub97c \ub2f4\ub2f9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacb0\uc81c \ubd84\uc57c\uc5d0\uc11c BNM\uc758 \uc8fc\uc694 \uc5c5\ubb34\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n

    \n
  • \uc804\uc790 \ud654\ud3d0 \ubc0f \ub514\uc9c0\ud138 \uacb0\uc81c \uaddc\uc815 \uc900\uc218 \uac10\ub3c5<\/li>\n
  • \uc548\uc804\ud558\uace0 \ud6a8\uc728\uc801\uc778 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uac1c\ubc1c \ucd09\uc9c4<\/li>\n
  • \uc790\uae08 \uc138\ud0c1 \ubc0f \ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \uc704\ud5d8 \ubc29\uc9c0<\/li>\n<\/ul>\n

    (2) \uc8fc\uc694 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c<\/strong><\/h3>\n

    BNM\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uacb0\uc81c \uc2dc\uc7a5\uc744 \uaddc\uc81c\ud558\uae30 \uc704\ud574 \uc5ec\ub7ec \uac00\uc9c0 \uc911\uc694\ud55c \uaddc\uc81c\ub97c \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n

      \n
    • 2011 \uae08\uc735 \uc11c\ube44\uc2a4\ubc95(FSA)<\/strong>-\uc804\uc790 \uacb0\uc81c\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ube44\uc740\ud589 \uae30\uad00\uc758 \ubc95\uc801 \uc9c0\uc704\ub97c \ud655\ub9bd\ud569\ub2c8\ub2e4.<\/li>\n
    • \uc804\uc790 \ud654\ud3d0 \ubc1c\ud589 \ud504\ub808\uc784\uc6cc\ud06c(EMIF) 2020<\/strong>-\uc804\uc790\uc9c0\uac11 \ubc0f \uc120\ubd88\uce74\ub4dc \uad00\ub9ac \uac15\ud654.<\/li>\n<\/ul>\n

      \uc774\ub7ec\ud55c \uc815\ucc45\uc758 \uc2dc\ud589\uc740 \uae30\uc874 \uc740\ud589, \uc81c3\uc790 \uacb0\uc81c \ud50c\ub7ab\ud3fc, \uc2e0\uc0dd \ud540\ud14c\ud06c \uae30\uc5c5\uc758 \ubc29\ud5a5\uc131\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n

      \n

      2. \ub2e4\uc591\ud55c \uc720\ud615\uc758 \uc2dc\uc7a5 \ucc38\uc5ec\uc790\uc5d0 \ub300\ud55c BNM \uaddc\uc815\uc758 \uc601\ud5a5<\/strong><\/h2>\n

      (1) \uae30\uc874 \uc740\ud589\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/strong><\/h3>\n

      \uc0c1\uc5c5 \uc740\ud589\uc740 \ub514\uc9c0\ud138\ud654 \ucd94\uc138\uac00 \uac00\uc18d\ud654\ub418\uba74\uc11c \uc0c8\ub85c\uc6b4 \ud540\ud14c\ud06c \uae30\uc5c5\uc758 \uacbd\uc7c1 \uc555\ubc15\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0c8\ub85c\uc6b4 \uaddc\uc81c\uc5d0 \uc801\uc751\ud558\uace0 \uacbd\uc7c1\ub825\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ub9ce\uc740 \uc740\ud589\uc774 \ub2e4\uc74c\uacfc \uac19\uc740 \uc870\uce58\ub97c \ucde8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

        \n
      • \ub514\uc9c0\ud138 \uc778\ud504\ub77c\uc5d0 \ub300\ud55c \ud22c\uc790<\/strong>:: Maybank \ubc0f CIMB\uc640 \uac19\uc740 \ub300\ud615 \uc740\ud589\uc5d0\uc11c \uc790\uccb4 \ubaa8\ubc14\uc77c \uc9c0\uac11 \uc11c\ube44\uc2a4(\uc608: Maybank Pay)\ub97c \ucd9c\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n
      • \ud611\ub825 \ubc0f M&A<\/strong>RHB \uc740\ud589\uc740 Grab\uacfc \uc81c\ud734\ud558\uc5ec \uc0ac\uc6a9\uc790 \uae30\ubc18\uc744 \ud655\ub300\ud558\uae30 \uc704\ud574 RHB NowPay\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

        \uadf8\ub7ec\ub098 \uc5c4\uaca9\ud55c \uc790\ubcf8 \uc900\ube44\uae08 \uc694\uac74\uc740 \uc740\ud589\uc758 \uc6b4\uc601 \ube44\uc6a9\ub3c4 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n

        (2) \ud0c0\uc0ac \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/strong><\/h3>\n

        \uc54c\ub9ac\ud398\uc774, \uc704\ucc57\ud398\uc774, \ud130\uce58\uc564\uace0 \uc804\uc790\uc9c0\uac11 \ubc0f \uae30\ud0c0 \ud574\uc678 \ub610\ub294 \ud604\uc9c0 \uae30\uc5c5\uc740 \ub354 \uc5c4\uaca9\ud55c \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uaddc\uc815\uc758 \uc801\uc6a9\uc744 \ubc1b\uc2b5\ub2c8\ub2e4:
        \n\uc7a5\uc810: \ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd \ud6c4 \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ub300(\uc608: BigPay\ub294 \ud574\uc678 \uc1a1\uae08 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc774 \ud5c8\uc6a9\ub41c \ud6c4 \ube44\uc988\ub2c8\uc2a4\uac00 \ud06c\uac8c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.) \u2705 \uc7a5\uc810: \ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd \ud6c4 \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ub300.
        \n\ub3c4\uc804 \uacfc\uc81c: \ub192\uc740 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc73c\ub85c \uc778\ud574 \uc18c\uaddc\ubaa8 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uc0dd\uc874\uc774 \uc5b4\ub835\uace0, \uc77c\ubd80 \uc678\uad6d \uae30\uc5c5\uc740 \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d\uc73c\ub85c \uc778\ud574 \uc6b4\uc601 \ubaa8\ub378\uc744 \uc870\uc815\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

        \ub610\ud55c 2023\ub144 \uac1c\uc778\uc815\ubcf4\ubcf4\ud638\ubc95\uc5d0\uc11c\ub294 \uc0ac\uc6a9\uc790 \uac1c\uc778\uc815\ubcf4 \uad00\ub9ac \uae30\uc900\uc774 \ub354\uc6b1 \uac15\ud654\ub429\ub2c8\ub2e4!<\/p>\n

        \uc0ac\ub840 \uc5f0\uad6c<\/em>:<\/h4>\n
        \n

        \ud130\uce58\uc564\uace0\uc758 \ubaa8\ud68c\uc0ac\uc778 TNG Digital\uc740 \ubaa8\ub4e0 KYC\/AML \uaddc\uc815\uc744 \uc900\uc218\ud558\ub294 \uad6d\ub0b4 \ucd5c\ub300 \uc804\uc790\uc9c0\uac11 \uc911 \ud558\ub098\uc774\uba70, \ubc18\ub300\ub85c \uaddc\uc815\uc744 \uc900\uc218\ud558\uc9c0 \uc54a\ub294 \uc77c\ubd80 \uc5c5\uccb4\ub294 \uc2dc\uc7a5\uc5d0\uc11c \ud1f4\ucd9c\ub2f9\ud588\uc2b5\ub2c8\ub2e4!<\/p>\n<\/blockquote>\n

        \n

        (3.) \uc18c\ube44\uc790 \uacbd\ud5d8\uc758 \ubcc0\ud654<\/p>\n

        BNM\uc740 \ubcf4\uc548\uc744 \uac1c\uc120\ud558\uc9c0\ub9cc \ud544\uc218 \uc778\uc99d\uc73c\ub85c \ud3b8\uc758\uc131\uc744 \ud76c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

          \n
        • \uc2e4\uba85 \uc778\uc99d\uc73c\ub85c \uc778\ud574 \ub4f1\ub85d \uc808\ucc28\uac00 \uae38\uc5b4\uc9d1\ub2c8\ub2e4.<\/li>\n
        • \uac70\ub798 \ud55c\ub3c4\ub294 \uc790\uae08\uc758 \ubcf4\uc548\uc744 \ubcf4\ud638\ud558\uae30 \uc704\ud574 \uc124\uc815\ub418\uc9c0\ub9cc, \uace0\uc561 \uc1a1\uae08\uc758 \uc720\uc5f0\uc131\uc744 \uc81c\ud55c\ud558\uae30\ub3c4 \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

          2024\ub144 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \uc751\ub2f5\uc790 78%\ub294 \"\uac15\ub825\ud55c \uaddc\uc81c\uc758 \uc774\uc810\uc774 \ub2e8\uc810\ubcf4\ub2e4 \ud06c\ub2e4\"\uace0 \uc0dd\uac01\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\ub294\ub370, \uadf8\ub7fc\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub300\ub2e4\uc218\uc758 \uc0ac\ub78c\ub4e4\uc774 \uc5ec\uc804\ud788 \ub354 \uc548\uc804\ud55c \uc2dc\uc2a4\ud15c\uc744 \uc120\ud638\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

          \n

          3 . \ubbf8\ub798 \ud2b8\ub80c\ub4dc \uc804\ub9dd<\/p>\n

          \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC), \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc758 \ub4f1\uc7a5\uc73c\ub85c \ud5a5\ud6c4 \uba87 \ub144 \uc548\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \ubcc0\ud654\uac00 \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n

          (a ) \uc0c1\ud638 \uc5f0\uacb0\uc131\uc744 \ucd09\uc9c4\ud558\ub294 \uc624\ud508 API<\/p>\n

          BN M\uc740 \uc624\ud508 \ubc45\ud0b9\uc744 \uc7a5\ub824\ud558\uc5ec \uc11c\ub85c \ub2e4\ub978 \uc870\uc9c1 \uac04\uc5d0 \ub370\uc774\ud130\ub97c \uacf5\uc720\ud558\uc5ec \ud6a8\uc728\uc131\uc744 \ub192\uc77c \uc218 \uc788\ub3c4\ub85d \ud558\uace0 \uc788\uc73c\uba70, \uc608\ub97c \ub4e4\uc5b4 DuitNow QR \uc720\ub2c8\ucf54\ub4dc\ub294 40\uac1c \uc774\uc0c1\uc758 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc640 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

          b) \uad6d\uac00 \uac04 \ud611\ub825 \uc2ec\ud654<\/p>\n

          \uc2e4\uc2dc\uac04 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c\uac00 \uc544\uc138\uc548 \ub0b4\uc5d0 \uad6c\ucd95\ub418\uc5b4 SWIFT\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\ub97c \ub0ae\ucd94\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub77c\uc790\ub2e4\/\uc1fc\ud53c\uc640 \uac19\uc740 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>\n

          \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \uad6d\ub0b4 \ud540\ud14c\ud06c \uc0dd\ud0dc\uacc4\uc5d0 \ub354 \ub9ce\uc740 \ud22c\uc790\ub97c \uc720\uce58\ud558\uae30 \uc704\ud574 \uc678\uad6d\uc778 \uc18c\uc720\uad8c \uc81c\ud55c\uc774 \uc644\ud654\ub418\ub294\uc9c0 \uc0b4\ud3b4\ubcfc \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

          \n

          # \uacb0\ub860<\/p>\n

          \uc804\ubc18\uc801\uc73c\ub85c \uba85\ud655\ud558\uace0 \ud22c\uba85\ud55c \ubc95\uc801 \ud658\uacbd\uc740 \ub2e8\uae30\uc801\uc778 \ubd80\ub2f4\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc7a5\uae30\uc801\uc73c\ub85c \uac74\uac15\ud558\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc0b0\uc5c5 \ud658\uacbd\uc744 \uc870\uc131\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4. \uae30\uc5c5\uac00\uc640 \uc0ac\uc6a9\uc790 \ubaa8\ub450 \uc790\uc2e0\uc758 \uc774\uc775\uc744 \uadf9\ub300\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \uc815\ucc45 \uc5c5\ub370\uc774\ud2b8\ub97c \uc8fc\uc758 \uae4a\uac8c \uc0b4\ud3b4\ubd10\uc57c \ud569\ub2c8\ub2e4!<\/p>\n

          \uacb0\uc81c \uc0b0\uc5c5\uc5d0\uc11c \ud601\uc2e0\uacfc \uaddc\uc81c\uc758 \uade0\ud615 \ub9de\ucd94\uae30 4.<\/strong><\/h2>\n

          \ubc45\ud06c \ub124\uac00\ub77c \ub9d0\ub808\uc774\uc2dc\uc544(BNM)\ub294 \uae08\uc735 \uc2dc\uc2a4\ud15c\uc758 \uc548\uc815\uc131\uc744 \ubcf4\uc7a5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uacb0\uc81c \uc0b0\uc5c5\uc758 \ud601\uc2e0\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c '\uaddc\uc81c + \ud601\uc2e0'\uc758 \ud22c\ud2b8\ub799 \uc804\ub7b5\uc740 \uc5c5\uacc4 \ubc1c\uc804\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n

          (1) \uae08\uc735 \uae30\uc220 \ud601\uc2e0 \uc7a5\ub824<\/strong><\/h3>\n

          BNM, \uc124\ub9bd\uc744 \ud1b5\ud574 \"\ud540\ud14c\ud06c \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\"(\ud540\ud14c\ud06c \uc0cc\ub4dc\ubc15\uc2a4)<\/strong>\ub97c \ud1b5\ud574 \uc870\uc9c1\uc740 \ud1b5\uc81c\ub41c \ud658\uacbd\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4\ub97c \ud14c\uc2a4\ud2b8\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

            \n
          • \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c<\/strong>(\uc608: \ub9ac\ud50c \ud30c\uc77c\ub7ff \ud504\ub85c\uc81d\ud2b8)<\/li>\n
          • AI \uae30\ubc18 \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c<\/strong>(\uc77c\ubd80 \uc740\ud589\uc740 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubaa8\ub378\uc744 \ucd5c\uc801\ud654\ud558\uae30 \uc704\ud574 \uba38\uc2e0\ub7ec\ub2dd\uc744 \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4.)<\/li>\n<\/ul>\n

            \uc774 \uc815\ucc45\uc740 \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uaddc\uc815 \uc900\uc218 \uc704\ud5d8\uc744 \uc904\uc774\uace0 \ud604\uc7a5\uc5d0\uc11c \uae30\uc220\uc744 \uac00\uc18d\ud654\ud569\ub2c8\ub2e4.<\/p>\n

            (2) \ub370\uc774\ud130 \ubcf4\uc548 \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654<\/strong><\/h3>\n

            \ub514\uc9c0\ud138 \uacb0\uc81c\uc758 \uc778\uae30\uc640 \ud568\uaed8 BNM\uc740 \uc0ac\uc6a9\uc790 \ub370\uc774\ud130 \ubcf4\ud638\ub97c \uc704\ud55c \uc870\uce58\ub97c \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n

              \n
            • 2023\ub144 \uac1c\uc778\uc815\ubcf4\ubcf4\ud638\ubc95 \uac1c\uc815\uc548<\/strong>:: \ube44\uc988\ub2c8\uc2a4\ub294 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub370\uc774\ud130 \uc0ac\uc6a9\uc5d0 \ub300\ud574 \uba85\ud655\ud558\uac8c \uc54c\ub9ac\uace0 \ub3d9\uc758\ub97c \uc5bb\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
            • \ud544\uc218 2\ub2e8\uacc4 \uc778\uc99d(2FA)<\/strong>:: \ubb34\ub2e8 \uac70\ub798\uc758 \uc704\ud5d8\uc744 \uc904\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n

              \uc774\ub7ec\ud55c \uaddc\uc81c\ub85c \uc778\ud574 \uc5c5\uacc4\uc758 \uae30\uc900\uc774 \ub192\uc544\uc84c\uc9c0\ub9cc, \uc804\uc790 \uacb0\uc81c\uc5d0 \ub300\ud55c \ub300\uc911\uc758 \uc2e0\ub8b0\ub3c4\ub3c4 \ub192\uc544\uc84c\uc2b5\ub2c8\ub2e4. 2024\ub144 \uc124\ubb38\uc870\uc0ac\uc5d0 \ub530\ub974\uba74 \ub9d0\ub808\uc774\uc2dc\uc544 \uc18c\ube44\uc790\uc758 85%\ub294 \uc5c4\uaca9\ud55c \uaddc\uc81c\uac00 \uc801\uc6a9\ub418\ub294 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc744 \uc120\ud638\ud55c\ub2e4\uace0 \ud569\ub2c8\ub2e4!<\/p>\n

              \n

              5. BNM \uc815\ucc45\uc740 \ubbf8\ub798\uc758 \uacbd\uc7c1 \uad6c\ub3c4\ub97c \uc5b4\ub5bb\uac8c \ud615\uc131\ud560 \uac83\uc778\uac00\uc694?<\/strong><\/h2>\n

              (1) \ud604\uc9c0 \uae30\uc5c5\uacfc \uc678\uad6d\uacc4 \uac70\ub300 \uae30\uc5c5 \uac04\uc758 \uac8c\uc784<\/strong><\/h3>\n

              \uc77c\ubd80 \uae00\ub85c\ubc8c \ub300\uae30\uc5c5\uc740 BNM\uc774 \ud574\uc678 \uacb0\uc81c \ud68c\uc0ac\uac00 \ud604\uc9c0\ud654\ub41c \uc6b4\uc601 \uae30\uc900(\uc608: \ud574\ub2f9 \uc9c0\uc5ed\uc5d0 \uc704\uce58\ud55c \uc11c\ubc84)\uc744 \ucda9\uc871\ud558\ub3c4\ub85d \uc694\uad6c\ud568\uc5d0 \ub530\ub77c \uc801\uc751\ud574\uc57c \ud55c\ub2e4\ub294 \uc555\ubc15\uc744 \ubc1b\uace0 \uc788\uc2b5\ub2c8\ub2e4:
              \n\uc7a5\uc810: GrabPay \ubc0f ShopeePay\uc640 \uac19\uc740 \uc9c0\uc5ed \ud50c\ub808\uc774\uc5b4\ub294 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uce5c\uc219\ud568\uc73c\ub85c \uc778\ud574 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4;
              \n\ub3c4\uc804 \uacfc\uc81c: PayPal\uacfc \uac19\uc740 \uae00\ub85c\ubc8c \ube0c\ub79c\ub4dc\ub294 \uaddc\uc815 \uc900\uc218 \uc694\uac74\uc744 \ucda9\uc871\ud558\uae30 \uc704\ud574 \ucd94\uac00 \ube44\uc6a9\uc744 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

              \uc0ac\ub840(\ubc95\ub960)<\/em>:<\/h4>\n
              \n

              \ub9d0\ub808\uc774\uc2dc\uc544 \uc54c\ub9ac\ud398\uc774\ub294 \ud604\uc9c0 \uc740\ud589\uacfc\uc758 \uc81c\ud734\ub97c \ud1b5\ud574 \ub77c\uc774\uc120\uc2a4 \ud68d\ub4dd\uc5d0 \uc131\uacf5\ud588\uc9c0\ub9cc, \ubc18\ub300\ub85c \uae30\uc900\uc744 \ucda9\uc871\ud558\uc9c0 \ubabb\ud55c \uc77c\ubd80 \uc5c5\uccb4\ub294 \uc0ac\uc5c5 \uaddc\ubaa8\ub97c \ucd95\uc18c\ud574\uc57c \ud588\uc2b5\ub2c8\ub2e4!<\/p>\n<\/blockquote>\n

              \n

              (2.) \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC) \uc2dc\ud5d8 \uc9c4\ud589 \uc0c1\ud669<\/h3>\n

              2023\ub144\ubd80\ud130 BN M\uc740 \ub514\uc9c0\ud138 \ub9c1\uae30\ud2b8 \ud14c\uc2a4\ud2b8\ub97c \uc2dc\uc791\ud558\uba70, \ub2e4\uc74c\uacfc \uac19\uc740 \uc7a0\uc7ac\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce60 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

                \n
              • \uae30\uc874 \uc740\ud589 \uc911\uac1c \uc5ed\ud560 \ucd95\uc18c.<\/li>\n
              • \ubd88\ubc95\uc801\uc778 \uae08\uc735 \ud750\ub984\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\ub294 \uc815\ubd80\uc758 \uc5ed\ub7c9 \ud5a5\uc0c1 .<\/li>\n<\/ul>\n

                \uacf5\uc2dd\uc801\uc73c\ub85c \ucd9c\uc2dc\ub418\uba74 \uae30\uc874 \uc18c\ub9e4 \ubc0f \ub3c4\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>\n

                \n

                6 . \uc911\uc18c\uae30\uc5c5\ub3c4 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub098\uc694, \uc544\ub2c8\uba74 \uc81c\ud55c\uc774 \uc788\ub098\uc694?<\/p>\n

                \uc911\uc18c\uae30\uc5c5(MSME)\uc758 \uacbd\uc6b0 \uc0c8\ub85c\uc6b4 \uaddc\uc81c\ub85c \uc778\ud574 \uc591\uadf9\ud654\uac00 \uc2ec\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                a.) \uae0d\uc815\uc801\uc778 \uce21\uba74<\/p>\n

                  \n
                • DuitNow QR\uacfc \uac19\uc740 \ud45c\uc900\ud654\ub41c \ub3c4\uad6c\ub97c \uc0ac\uc6a9\ud558\uba74 \uc18c\uc561 \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uac00 \uc800\ub834\ud55c \ube44\uc6a9\uc73c\ub85c \ud604\uae08 \uc5c6\ub294 \uac70\ub798\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
                • \uc694\uae08 \uad6c\uc870\uac00 \ud22c\uba85\ud574\uc9c0\uba74 \uc228\uaca8\uc9c4 \uc694\uae08 \ubb38\uc81c\uac00 \uc904\uc5b4\ub4ed\ub2c8\ub2e4.<\/li>\n<\/ul>\n

                  b.) \ubd80\uc815\uc801\uc778 \uce21\uba74
                  \n\uc77c\ubd80 \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\ub294 KYC \uc694\uac74\uc744 \ucda9\uc871\ud560 \uc218 \uc5c6\uc5b4 \uacf5\uc2dd \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uc81c\uc678\ub418\uc5b4 \uc9c0\ud558 \uacbd\uc81c\uac00 \uc9c0\uc18d\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>\n

                  \n

                  # \ucd5c\uc885 \uacb0\ub860<\/p>\n

                  \uc804\ubc18\uc801\uc73c\ub85c \ub2e8\uae30\uc801\uc778 \uace0\ud1b5\uc740 \ud53c\ud560 \uc218 \uc5c6\uc9c0\ub9cc, \uc7a5\uae30\uc801\uc73c\ub85c \ubcf4\uba74 BNM\uc758 \uc815\ucc45\uc740 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc774\uace0 \uc548\uc804\ud55c \ub514\uc9c0\ud138 \uc0ac\ud68c\ub85c\uc758 \uc804\ud658\uc744 \uc774\ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc55e\uc73c\ub85c \uba87 \ub144 \ub3d9\uc548 \uc6b0\ub9ac\ub294 \uae30\ub300\ud569\ub2c8\ub2e4.<\/p>\n

                  1\ufe0f\u20e3 \ub354 \ub9ce\uc740 M&A \ud1b5\ud569 - \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790\uac00 \uc778\uc218\/\ud569\ubcd1\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.)
                  \n2\ufe0f\u20e3 \uad6d\uacbd\uc744 \ub118\ub294 \uc804\uc790\uc9c0\uac11 \uc5f0\uacb0\uc131 \ud5a5\uc0c1(\ud2b9\ud788 \uc544\uc138\uc548 \ub0b4).
                  \n3\ufe0f\u20e3CBDC \uc740 \ud654\ud3d0 \uc720\ud1b5 \ubc29\uc2dd\uc744 \uc7ac\ud3b8\ud558\uae30 \uc704\ud574 \uc810\uc9c4\uc801\uc73c\ub85c \uc2dc\ubc94 \uc6b4\uc601\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                  \uc2e4\ubb34\uc790\uc640 \uc77c\ubc18 \uc0ac\uc6a9\uc790 \ubaa8\ub450 \uae30\ud68c\ub97c \ud30c\uc545\ud558\uace0 \uc704\ud5d8\uc744 \ud53c\ud558\uae30 \uc704\ud574 \uc815\ucc45 \ub3d9\ud5a5\uc744 \uc8fc\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4!<\/p>","protected":false},"excerpt":{"rendered":"

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