{"id":2854,"date":"2025-05-19T19:12:57","date_gmt":"2025-05-19T11:12:57","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2854"},"modified":"2025-05-19T19:12:57","modified_gmt":"2025-05-19T11:12:57","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e7%8e%b0%e7%8a%b6%e4%b8%8e%e6%9c%aa%e6%9d%a5%e8%b6%8b%e5%8a%bf","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%e5%b8%82%e5%9c%ba%e7%8e%b0%e7%8a%b6%e4%b8%8e%e6%9c%aa%e6%9d%a5%e8%b6%8b%e5%8a%bf\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \ud604\ud669 \ubc0f \ud5a5\ud6c4 \ud2b8\ub80c\ub4dc"},"content":{"rendered":"

\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ub2e4\uc591\ud654\uc640 \ub514\uc9c0\ud138\ud654\ub97c \ud2b9\uc9d5\uc73c\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud604\ud669\uacfc \ud5a5\ud6c4 \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n

1. \uacb0\uc81c \uc2dc\uc7a5 \ud604\ud669<\/strong><\/h3>\n

(1) \ud604\uae08\uc740 \uc5ec\uc804\ud788 \uc911\uc694<\/strong><\/h4>\n
    \n
  • \uc804\uc790 \uacb0\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ud604\uae08\uc740 \ud2b9\ud788 \uc9c0\ubc29 \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790 \uc0ac\uc774\uc5d0\uc11c \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uc77c\uc0c1 \uac70\ub798 \uc218\ub2e8\uc73c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
  • BNM(Bank Negara Malaysia) \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 2022\ub144\uc5d0\ub3c4 \uc5ec\uc804\ud788 \ud604\uae08\uc744 \uc0ac\uc6a9\ud55c \uac70\ub798\uac00 \uc57d 401\uc870 3,000\uc5b5 \uac74\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n

    (2) \uc804\uc790 \uacb0\uc81c\uc758 \ube60\ub978 \uc131\uc7a5<\/strong><\/h4>\n
      \n
    • \uce74\ub4dc \uacb0\uc81c<\/strong>\ube44\uc790 \ubc0f \ub9c8\uc2a4\ud130\uce74\ub4dc\uac00 \ub110\ub9ac \uc0ac\uc6a9\ub418\uba70, \ud604\uc9c0 \uc9c1\ubd88\uce74\ub4dc(\uc608: \ub9c8\uc774\ub370\ube57)\ub3c4 \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \ubaa8\ubc14\uc77c \uc9c0\uac11 \ud3ed\ubc1c<\/strong>::\n
        \n
      • Touch 'n Go \uc804\uc790\uc9c0\uac11<\/strong>(\uc54c\ub9ac\ud398\uc774\uc640 \ud568\uaed8)\ub294 \uac00\uc7a5 \ud070 \uc5c5\uccb4 \uc911 \ud558\ub098\uc785\ub2c8\ub2e4;<\/li>\n
      • GrabPay<\/strong>(\uadf8\ub7a9 \uc5d0\ucf54\uc2dc\uc2a4\ud15c \ud1b5\ud569);<\/li>\n
      • Boost<\/strong>(Axiata \uc544\ub798);<\/li>\n
      • \uba54\uc774\ubc45\ud06c\uc758 MAE\uc640 \uac19\uc740 \uc740\ud589 \uae30\ubc18 \uc9c0\uac11\ub3c4 \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
      • QR \ucf54\ub4dc \uacb0\uc81c\uc758 \uc778\uae30: DuitNow QR \ud45c\uc900\uc740 \uc5ec\ub7ec \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ucf54\ub4dc \uc2a4\uce94 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \ud1b5\ud569\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

        (3) BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88)\uc758 \ubd80\uc0c1<\/strong><\/h4>\n
          \n
        • \uc544\ud1b0, \uc2a4\ud50c\ub9bf, \uadf8\ub7a9 \ud398\uc774\ub7ec\ud130\uc640 \uac19\uc740 \uc11c\ube44\uc2a4\ub294 \uc80a\uc740 \uce35\uacfc \uc774\ucee4\uba38\uc2a4 \uc18c\ube44\uc790\ub4e4\uc5d0\uac8c \uc778\uae30\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

          (4) \uc2e4\uc2dc\uac04 \uacb0\uc81c(RTP)<\/strong><\/h4>\n
            \n
          • \ub4c0\uc787\ub098\uc6b0\ub294 P2P \ubc0f \ud310\ub9e4\uc790 \uc218\uae08\uc758 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uc989\uc2dc \uc1a1\uae08\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n
            \n

            2. \uc8fc\uc694 \ub3d9\uc778<\/strong><\/h3>\n

            \u2705 \uc815\ubd80 \uc815\ucc45 \uc9c0\uc6d0<\/strong><\/p>\n

              \n
            • BNM\uc740 \uc5f0\uac04 1\uc778\ub2f9 400\uac74\uc758 \ube44\ud604\uae08 \uac70\ub798\ub97c \ubaa9\ud45c\ub85c \ud558\ub294 \uae08\uc735 \ubd80\ubb38 \uccad\uc0ac\uc9c4 2025\ub97c \ubc1c\ud45c\ud569\ub2c8\ub2e4.<\/li>\n
            • eKYC\ub294 \uce74\ub4dc \uc5c6\ub294 \ud2b8\ub80c\ub4dc\ub97c \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \uacc4\uc88c \uac1c\uc124 \ud504\ub85c\uc138\uc2a4\ub97c \uac04\uc18c\ud654\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

              \u2705 \ub514\uc9c0\ud138 \uc778\ud504\ub77c \uac1c\uc120<\/strong><\/p>\n

                \n
              • MyClear\uc5d0\uc11c \uc6b4\uc601\ud558\ub294 FPX \uc2dc\uc2a4\ud15c\uc740 \uc628\ub77c\uc778 \uc740\ud589 \uc1a1\uae08\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4;<\/li>\n
              • \ub4c0\uc787\ub098\uc6b0\ub294 \uc740\ud589 \uac04 \uc2e4\uc2dc\uac04 \uccad\uc0b0\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

                \u2705 \uc774\ucee4\uba38\uc2a4\uc640 \ud14c\uc774\ud06c\uc544\uc6c3 \uacbd\uc81c<\/em>
                \nLazada, Shopee\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc804\uc790\uc9c0\uac11\uc744 \ud1b5\ud55c \uc18c\ube44\ub97c \ucd09\uc9c4\ud558\uace0, Foodpanda\/Grab\uc740 \uc18c\uc561 \uace0\ube48\ub3c4 \ubaa8\ubc14\uc77c \uacb0\uc81c\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc790\uadf9\ud569\ub2c8\ub2e4.<\/p>\n

                \u2705 \uccad\uc18c\ub144 \ubc30\ub2f9\uae08<\/em>
                \n30\ub300 \ubbf8\ub9cc\uc758 \ube44\uc911\uc774 35%\ub97c \ub118\uace0, \uae30\uc220 \uc218\uc6a9\ub3c4\uac00 \ub192\uc73c\uba70, \ube44\uc811\ucd09 \uacb0\uc81c \ubc29\uc2dd\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/p>\n

                \n

                3. \ud5a5\ud6c4 \uac1c\ubc1c \ub3d9\ud5a5 \uc608\uce21<\/strong><\/h3>\n

                \ud83d\udd2e (1)<\/strong> \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ud601\uc2e0<\/strong><\/em>
                \n\uc544\uc138\uc548 \ud1b5\ud569\uc774 \uc9c4\uc804\ub428\uc5d0 \ub530\ub77c '\ub4c0\uc787\ub098\uc6b0-\ud0dc\uad6d'\uacfc \uac19\uc740 \ud504\ub85c\uadf8\ub7a8\uc774 \ub354 \ub9ce\uc740 \uad6d\uac00\ub85c \ud655\ub300\ub420 \uc218 \uc788\uc73c\uba70, \uc911\uad6d \uad00\uad11\uac1d\uacfc \ud574\uc678 \uc774\ucee4\uba38\uc2a4 \ud310\ub9e4\uc790\ub97c \uc704\ud574 \uc54c\ub9ac\ud398\uc774\/\uc704\ucc57 \uacb0\uc81c\uc758 \ubcf4\uae09\ub960\uc774 \ub354\uc6b1 \ub192\uc544\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

                \ud83d\udd2e (2)<\/strong> \uae08\uc735 \uc0dd\ud0dc\uacc4\ub97c \ud1b5\ud569\ud558\ub294 \uc288\ud37c \uc571<\/strong><\/em>
                \n\uc5ec\ud589\uc5d0\uc11c \ubcf4\ud5d8 \ubc0f \ub300\ucd9c\ub85c \ud655\uc7a5\ud55c Grab\uacfc \uc720\uc0ac\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \ubaa8\ub378\uc774 \uacbd\uc7c1\uc758 \ud575\uc2ec \ud3ec\uc778\ud2b8\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. Touch 'n Go\ub294 \uc774\ubbf8 \uc6b4\uc1a1 + \uc18c\ub9e4 + \uacb0\uc81c\uc758 \ud3d0\uc1c4 \ub8e8\ud504 \uc804\ub7b5\uc744 \uc2e4\ud5d8\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

                \ud83d\udd2e (3)<\/strong> CBDC \uc2dc\ubc94 \uc6b4\uc601\uc758 \ub192\uc740 \uc131\uacf5 \uac00\ub2a5\uc131<\/strong><\/em>
                \n\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc740 \ud1b5\ud654 \uc815\ucc45 \uc804\ub2ec\uc758 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uace0 \ud68c\uc0c9 \uacbd\uc81c \uac70\ub798 \uad00\ud589\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 2025\ub144\uae4c\uc9c0 \uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8 \ub2e8\uacc4\uc5d0 \uc9c4\uc785\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \ub514\uc9c0\ud138 \ub9c1\uae43(CBDC)\uc744 \uac1c\ubc1c \uc911\uc785\ub2c8\ub2e4.<\/p>\n

                \ud83d\udd2e(4)BNPL \uaddc\uc81c\ub294 \uac15\ud654\ub418\uc9c0\ub9cc \uc131\uc7a5\uc138 \uc9c0\uc18d<\/em>
                \nBNPL\uc740 \uacfc\ub3c4\ud55c \ucc28\uc785 \uc704\ud5d8 \uc99d\uac00\ub85c \uc778\ud574 \uc2f1\uac00\ud3ec\ub974\uc758 MAS\uc640 \uc720\uc0ac\ud55c \uc0c8\ub85c\uc6b4 \uaddc\uc81c(\uc608: \uc2e0\uc6a9 \ud3c9\uac00 \uc758\ubb34\ud654)\uc5d0 \uc9c1\uba74\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc2dc\uc7a5 \uaddc\ubaa8\ub294 2026\ub144\uacbd \ubbf8\ud654 10\uc5b5 \ub2ec\ub7ec \uc218\uc900\uc5d0 \ub3c4\ub2ec\ud560 \ub54c\uae4c\uc9c0 \uc5f0\ud3c9\uade0 3% \uc774\uc0c1\uc758 \uc131\uc7a5\ub960\uc744 \uc774\uc5b4\uac08 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

                \n

                \u25b6\ufe0f \uacb0\ub860:<\/h3>\n

                \ub2e8\uae30\uc801\uc73c\ub85c \ub9d0\ub808\uc774\uc2dc\uc544\ub294 \uc804\ud1b5\uc801\uc778 \uc740\ud589 \uae30\uad00(Maybank\/CIMB), \uac70\ub300 \uae30\uc220 \uae30\uc5c5(Grab\/Axiata), \uae00\ub85c\ubc8c \uae30\uc5c5(Visa\/Alipay)\uc774 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ub193\uace0 \uacbd\uc7c1\ud558\ub294 '\ub2e4\uc911 \uc774\ud574\uad00\uacc4\uc790' \uad6c\ub3c4\ub97c \uc720\uc9c0\ud560 \uac83\uc785\ub2c8\ub2e4; \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc778\ub3c4\ub124\uc2dc\uc544, \ud0dc\uad6d\uc5d0 \uc774\uc5b4 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc138 \ubc88\uc9f8\ub85c \ud070 \uc778\ud130\ub137 \uacbd\uc81c \uaddc\ubaa8\ub97c \uc790\ub791\ud558\ub294 \uc2f1\uac00\ud3ec\ub974\uc758 \ucc28\uc138\ub300 \uae08\uc735 \uc778\ud504\ub77c \uad6c\ucd95\uc740 \ub354 \ub0ae\uc740 \uae08\ub9ac, \ub354 \uc6d0\ud65c\ud55c \uad6d\uacbd \uac04 \uacbd\ud5d8 \ub610\ub294 \ub3c5\ud2b9\ud55c \uc2dc\ub098\ub9ac\uc624\ub97c \ud1b5\ud574 \uc0ac\uc6a9\uc790\uc758 \uc2e0\ub8b0\ub97c \uc5bb\uc744 \uc218 \uc788\ub294 \uae30\uc5c5\uc774 \uc8fc\ub3c4\uad8c\uc744 \uc950\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

                \uacb0\uc81c \uc2dc\uc7a5\uc758 \uc8fc\uc694 \uacfc\uc81c 4.
                \n\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc804\uc790 \uacb0\uc81c\ub294 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc9c0\ub9cc, \uc5ec\uc804\ud788 \uc5ec\ub7ec \uac00\uc9c0 \uad6c\uc870\uc801 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4: <\/p>\n

                (1) \ub3c4\uc2dc\uc640 \ub18d\ucd0c\uc758 \ub514\uc9c0\ud138 \uaca9\ucc28
                \n- \ub192\uc740 \ub3c4\uc2dc \ubcf4\uae09\ub960: \ucfe0\uc54c\ub77c\ub8f8\ud478\ub974, \ud398\ub0ad\uacfc \uac19\uc740 \uc8fc\uc694 \ub3c4\uc2dc\uc5d0\uc11c\ub294 \uc804\uc790 \uacb0\uc81c \uc218\uc6a9\ub960\uc774 60%\ub97c \ub118\uc5b4\uc130\uc9c0\ub9cc \ub18d\ucd0c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 \ud604\uae08\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
                \n- \ub124\ud2b8\uc6cc\ud06c \ucee4\ubc84\ub9ac\uc9c0 \ubd80\uc871: \ub9d0\ub808\uc774\uc2dc\uc544 \ub3d9\ubd80(\uc0ac\ubc14\uc8fc \ubc0f \uc0ac\ub77c\uc641\uc8fc)\uc758 \uc77c\ubd80 \uc678\ub534 \uc9c0\uc5ed\uc5d0\uc11c\ub294 4G \uc2e0\ud638\uac00 \ubd88\uc548\uc815\ud558\uc5ec \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0ac\uc6a9\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. <\/p>\n

                (2) \ud310\ub9e4\uc790 \uce21\uc758 \ube44\uc6a9 \uc800\ud56d
                \n- \uc911\uc18c\uae30\uc5c5(MSME)\uc740 \uac70\ub798 \uc218\uc218\ub8cc\uc5d0 \ubbfc\uac10\ud55c\ub370, \uae30\uc874 POS \uc218\uc218\ub8cc\ub294 \uc57d 1.5%-3%\uc778 \ubc18\uba74, DuitNow QR\uc740 0.5%\ub85c \ub0ae\uc9c0\ub9cc \uc544\uc9c1 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uad50\uc721\uc774 \ub354 \ud544\uc694\ud55c \uc0c1\ud669\uc785\ub2c8\ub2e4.
                \n- \ud604\uae08 \uad00\ub9ac \uad00\uc131: \ub9ce\uc740 \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\ub294 \uc5ec\uc804\ud788 \ubcf5\uc7a1\ud55c \uc815\uc0b0\uc744 \ud53c\ud558\uae30 \uc704\ud574 \uc77c\uc77c \ud604\uae08 \uacb0\uc81c\uc5d0 \uc775\uc219\ud574\uc838 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n

                (3) \ubcf4\uc548 \ubc0f \uc0ac\uae30 \uc704\ud5d8 \uc99d\uac00
                \n- BNM \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 2022\ub144 \uc804\uc790\uacb0\uc81c \uc0ac\uae30\ub294 \uc804\ub144 \ub300\ube44 271% \uc99d\uac00\ud588\uc73c\uba70, \ud53c\uc2f1 SMS(\uc740\ud589 \ub9c1\ud06c\ub97c \uc0ac\uce6d)\uc640 \uac00\uc9dc \uace0\uac1d \uc11c\ube44\uc2a4 \uc0ac\uae30 \ub4f1\uc774 \uc77c\ubc18\uc801\uc778 \uc218\ubc95\uc774\ub77c\uace0 \ud569\ub2c8\ub2e4.
                \n- \uc0dd\uccb4 \uc778\uc99d(\uc608: \uc9c0\ubb38\/\uc5bc\uad74)\uc740 \uc544\uc9c1 \uc644\uc804\ud788 \ubcf4\uae09\ub418\uc9c0 \uc54a\uc558\uc73c\uba70, \uc77c\ubd80 \uc9c0\uac11\uc740 OTP \uc778\uc99d\uc5d0\ub9cc \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n

                —<\/p>\n

                5. \uc138\ubd84\ud654 \uae30\ud68c \ubd84\uc11d
                \n (1) B2B \uacb0\uc81c\uc758 \ube14\ub8e8\uc624\uc158 \uc2dc\uc7a5
                \n\u2705 *\ud604\uc0c1*: \uae30\uc5c5 \uc218\uc900\uc758 \uacb0\uc81c\ub294 \uc5ec\uc804\ud788 \ube44\ud6a8\uc728\uc801\uc778 \uc740\ud589 \uc1a1\uae08\uacfc \uc218\ud45c\uac00 \uc8fc\ub97c \uc774\ub8e8\uba70, \uacf5\uae09\ub9dd \uae08\uc735\uc740 10%\uc758 \ubcf4\uae09\uc774 \ubbf8\ud761\ud55c \uc0c1\ud0dc\uc785\ub2c8\ub2e4.
                \n\u2705 *\uae30\ud68c*:
                \n - API \ub0b4\uc7a5 \uae08\uc735 \uc194\ub8e8\uc158(\uc608: \uc9c1\uc811 ERP \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc744 \ud1b5\ud55c \uc790\ub3d9 \uacb0\uc81c);
                \n - \ubb34\uc5ed \uae08\uc735\uc5d0 \ube14\ub85d\uccb4\uc778\uc744 \uc2dc\ubc94 \uc801\uc6a9\ud569\ub2c8\ub2e4(\uc608: \uc2e0\uc6a9\uc7a5 \ub514\uc9c0\ud138\ud654). <\/p>\n

                (2) \uc18c\uc15c \ucee4\uba38\uc2a4 + \uacb0\uc81c \uc735\ud569
                \n\uc608\ub97c \ub4e4\uc5b4, \ud2f1\ud1a1 \uc0f5\uc774\ub098 WhatsApp \ube44\uc988\ub2c8\uc2a4\uc640 \uac19\uc740 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4\uc758 \ubd80\uc0c1\uc73c\ub85c \uc0c8\ub85c\uc6b4 \uc218\uc694\uac00 \ucc3d\ucd9c\ub418\uc5c8\uc2b5\ub2c8\ub2e4:
                \n - Instagram\uc5d0\ub294 '\ucf54\ub4dc \uacb0\uc81c' \uae30\ub2a5\uc774 \ub0b4\uc7a5\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4;
                \n - \ud2f1\ud1a1\uc740 \ud604\uc9c0 \uc9c0\uac11\uacfc \uc81c\ud734\ud558\uc5ec '\uc2e4\uc2dc\uac04 \uc1fc\ud551 \uc989\uc2dc \uacb0\uc81c'\ub97c \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4. <\/p>\n

                (3) \uc774\uc2ac\ub78c \ud540\ud14c\ud06c \uaddc\uc815 \uc900\uc218 \ud601\uc2e0
                \n\ub9d0\ub808\uc774\uc2dc\uc544\ub294 \uae00\ub85c\ubc8c \uc774\uc2ac\ub78c \uae08\uc735 \uc911\uc2ec\uc9c0 \uc911 \ud558\ub098\uc774\uae30 \ub54c\ubb38\uc5d0 '\uc0e4\ub9ac\uc544\ub97c \uc900\uc218\ud558\ub294 BNPL' \ub610\ub294 \uc218\uc775 \uacf5\uc720 \ubaa8\ub378(P2P \uae08\uc735)\uc774 \ucc28\ubcc4\ud654 \uc694\uc18c\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <\/p>\n

                —<\/p>\n

                6. \uad6d\uc81c \uc120\uc218\ub4e4\uc758 \uacbd\uc7c1 \uc804\ub7b5 \ube44\uad50
                \n| \ucc38\uac00\uc790\uc758 \uc720\ud615 | \ub300\ud45c \uae30\uc5c5 | \uac15\uc810 \uc804\ub7b5 | \uc9c1\uba74\ud55c \uc7a5\ubcbd | \uc9c1\uba74\ud55c \uc7a5\uc560\ubb3c
                \n|————–|————|————|————–|
                \n| *\ub85c\uceec \uc790\uc774\uc5b8\ud2b8* | \ud130\uce58 \uc564 \uace0, \ubd80\uc2a4\ud2b8 | -\uac15\ub825\ud55c \uc2dc\ub098\ub9ac\uc624 \ubc14\uc778\ub529 (\uc6b4\uc1a1\/\ud1b5\uc2e0)
                -\uac15\ub825\ud55c \uc815\ubd80 \uad00\uacc4 | -\uad6d\uacbd \uac04 \uc5ed\ub7c9 \uc57d\ud654
                -\ub290\ub9b0 \uae30\uc220 \ubc18\ubcf5 |
                \n| \ub3d9\ub0a8\uc544\uc2dc\uc544 \uc288\ud37c \uc571* | \uadf8\ub7a9\ud398\uc774, \uc1fc\ud53c\ud398\uc774 | - \uace0\ube48\ub3c4 \uc5d0\ucf54 \ud2b8\ub798\ud53d \uc18c\uac1c
                -\uacf5\uaca9\uc801\uc778 \ubcf4\uc870\uae08 \uc9c0\uae09(GrabRewards \uc2dc\uc2a4\ud15c)-\uc218\uc775\uc131\uc5d0 \ub300\ud55c \uc555\ubc15
                -\ub2e4\uad6d\uc801 \uaddc\uc81c \ucc28\uc774 |
                \n| *\uc911\uad6d \uae30\uc220 \uae30\uc5c5* | \uc54c\ub9ac\ud398\uc774+, \uc704\ucc57\ud398\uc774 \ub9c8\uc774|
                -\uc911\uad6d \uc5ec\ud589\uac1d\/\uad6d\uacbd \uac04 \uc774\ucee4\uba38\uc2a4 \ud310\ub9e4\uc790 \ub300\uc0c1 \uc11c\ube44\uc2a4 \uc81c\uacf5
                -\uace0\uae09 \uc704\ud5d8 \uc81c\uc5b4 \uae30\uc220(ARCT)<\/p>\n

                <\u53d7\u5730\u7f18\u653f\u6cbb\u5f71\u54cd(\u6570\u636e\u672c\u5730\u5316\u8981\u6c42)| \n||<\/b><\/p>\n

                —<\/p>\n

                \u25b6\ufe0f \uc870\uce58 \uad8c\uc7a5 \uc0ac\ud56d:
                \n\ub9d0\ub808\uc774\uc2dc\uc544 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\ub824\uba74 \ub2e4\uc74c \uacbd\ub85c\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \uace0\ub824\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4: <\/p>\n

                \ud83d\ude80 \uc80a\uc740 \ub3c4\uc2dc\ubbfc \ud0c0\uac9f\ud305: BNPL \ud50c\ub7ab\ud3fc\uacfc \uc81c\ud734\ud558\uc5ec \uc2dc\ub098\ub9ac\uc624 \uae30\ubc18 \uc0c1\ud488(\uc608: \uad50\uc721 \ud560\ubd80 + \uc9c1\uc5c5 \ud6c8\ub828 \uacfc\uc815 \ubc88\ub4e4)\uc744 \uac1c\ubc1c\ud569\ub2c8\ub2e4; <\/p>\n

                \ud574\uc678 \ubb34\uc5ed \uc911\uc18c\uae30\uc5c5\uc758 \ud658\ucc28\uc190\uc744 \uc904\uc774\uae30 \uc704\ud574 \ud1b5\ud569 \uc218\uae08 \uc11c\ube44\uc2a4(DuitNow\/Alipay+\/FPX \ubc0f \uae30\ud0c0 \uba40\ud2f0\ucc44\ub110 \uc6d0\ud074\ub9ad \uccad\uc0b0 \uc9c0\uc6d0)\ub97c \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \uace0\ucda9\uc744 \ud574\uacb0\ud569\ub2c8\ub2e4; <\/p>\n

                \uc624\ud504\ub77c\uc778 \uc18c\uc0c1\uc778 \uc2ec\uce35 \uacf5\ub7b5: \uc800\ube44\uc6a9 \uc2a4\ub9c8\ud2b8 \ub2e8\ub9d0\uae30(\uc911\uad6d\uc758 '\ucf54\ub4dc \ub77c\uc774\uc120\uc2a4' \ubaa8\ub378\uacfc \uc720\uc0ac)\ub97c \ud64d\ubcf4\ud558\uace0 \ubd80\uac00\uac00\uce58 \uc7ac\uace0 \uad00\ub9ac SaaS \uae30\ub2a5\uc744 \uc624\ubc84\ub808\uc774\ud558\uc5ec \uace0\ucc29\uc131\uc744 \ub192\uc785\ub2c8\ub2e4. <\/p>\n

                \uacb0\uad6d \uc131\uacf5\uc740 \uade0\ud615\uc744 \uc7a1\uc744 \uc218 \uc788\ub294 \uc0ac\ub78c\uc5d0\uac8c \ucc3e\uc544\uc635\ub2c8\ub2e4.\"\ud604\uc9c0\ud654\ub41c \uc6b4\uc601 \uae4a\uc774\"<\/b>(\uc608: \ub9d0\ub808\uc774\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 \ubc0f Bank Rakyat \ud604\uc9c0 \uacc4\uc88c \uc561\uc138\uc2a4 \uc9c0\uc6d0) vs.\"\uae00\ub85c\ubc8c\ud654\ub41c \uae30\uc220 \uc218\ucd9c\"<\/b>(\uc2e4\uc2dc\uac04 AML \uc2dc\uc2a4\ud15c \ub610\ub294 \ud06c\ub85c\uc2a4\uccb4\uc778 \uacb0\uc81c \ud504\ub85c\ud1a0\ucf5c) \ud558\uc774\ube0c\ub9ac\ub4dc \ud50c\ub808\uc774\uc5b4 - \uc0ac\uc6a9\uc790 \uc2b5\uad00\uc744 \uae30\ub974\uae30 \uc704\ud55c \uc778\ub0b4\uc2ec\uacfc \uaddc\uc81c \ubcc0\ud654\ub85c \uc778\ud55c \uae30\ud68c\uc758 \ucc3d\uc5d0 \ub300\ud55c \ube60\ub978 \ub300\uc751\uc774 \ubaa8\ub450 \ud544\uc694\ud55c \uc2dc\uc7a5\uc785\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

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