{"id":2889,"date":"2025-05-20T14:21:04","date_gmt":"2025-05-20T06:21:04","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2889"},"modified":"2025-05-20T14:21:04","modified_gmt":"2025-05-20T06:21:04","slug":"%e5%8d%b0%e5%b0%bc%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%b6%88%e8%b4%b9%e5%81%8f%e7%88%b1%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/20\/%e5%8d%b0%e5%b0%bc%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%b6%88%e8%b4%b9%e5%81%8f%e7%88%b1%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544\uc778\ub4e4\uc740 \uc77c\uc0c1\uc801\uc778 \uc9c0\ucd9c\uc5d0 \uc5b4\ub5a4 \uacb0\uc81c \uc218\ub2e8\uc744 \uc120\ud638\ud558\ub098\uc694?"},"content":{"rendered":"<h1>\uc778\ub3c4\ub124\uc2dc\uc544\uc778\ub4e4\uc740 \uc77c\uc0c1\uc801\uc778 \uc9c0\ucd9c\uc5d0 \uc5b4\ub5a4 \uacb0\uc81c \uc218\ub2e8\uc744 \uc120\ud638\ud558\ub098\uc694?<\/h1>\n<h2>\uc18c\uac1c<\/h2>\n<p>\ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uacfc \ud568\uaed8 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc2dc\uc7a5\uc740 \uc804\ub840 \uc5c6\ub294 \ubcc0\ud654\ub97c \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\uad6c 2\uc5b5 7\ucc9c\ub9cc \uba85\uc758 \ub3d9\ub0a8\uc544\uc2dc\uc544 \ucd5c\ub300 \uacbd\uc81c \ub300\uad6d\uc774\uc790 \uc911\uc0b0\uce35\uc774 \uc99d\uac00\ud558\uace0 \uc788\ub294 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc2b5\uad00\uc740 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub3c5\ud2b9\ud55c \ud540\ud14c\ud06c \uada4\uc801\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \uc774 \ubc31\uc11c\uc5d0\uc11c\ub294 \ud604\uae08, \uc804\uc790\uc9c0\uac11, \uc740\ud589 \uc1a1\uae08, \uc2e0\uc6a9\uce74\ub4dc \ub4f1 \uc8fc\uc694 \uacb0\uc81c \uc218\ub2e8\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uacfc \uc0ac\uc6a9 \uc2dc\ub098\ub9ac\uc624\ub97c \ubd84\uc11d\ud558\uc5ec \ud604\uc7ac \uc778\ub3c4\ub124\uc2dc\uc544 \uc18c\ube44\uc790\ub4e4\uc774 \uc77c\uc0c1\uc801\uc778 \uad6c\ub9e4 \uc2dc \uac00\uc7a5 \uc120\ud638\ud558\ub294 \uacb0\uc81c \uc218\ub2e8\uc5d0 \ub300\ud574 \uc2ec\uce35\uc801\uc73c\ub85c \uc0b4\ud3b4\ubd05\ub2c8\ub2e4.<\/p>\n<h2>\ud604\uae08\uc740 \uc5ec\uc804\ud788 \uae30\ubcf8\uc774\uc9c0\ub9cc \uac10\uc18c\ud558\ub294 \ucd94\uc138<\/h2>\n<p>\ub514\uc9c0\ud138 \uacb0\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 2023\ub144 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc77c\uc77c \uac70\ub798\uc561 \uc911 \ud604\uae08\uc774 \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc740 \uc5ec\uc804\ud788 \uc57d 351\uc870 3,000\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc18c\uc561 \uac70\ub798, \uc804\ud1b5 \uc2dc\uc7a5, \uc2dc\uace8 \uc9c0\uc5ed\uc5d0\uc11c \ud604\uae08\uc774 \ub110\ub9ac \uc0ac\uc6a9\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc18c\uc561 \uacb0\uc81c\uc758 \ud3b8\ub9ac\ud568<\/strong>:: 60%\ub294 \uc5ec\uc804\ud788 100,000\ub8e8\ud53c\uc544(\uc57d US$7) \ubbf8\ub9cc\uc758 \uac70\ub798\uc5d0 \ud604\uae08\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ubca4\ub354 \uc2dc\uc7a5 \uc9c0\ubc30\ub825<\/strong>:: 92%\uc758 \uc804\ud1b5 \uc2dc\uc7a5 \uc0c1\uc778\uc740 \ud604\uae08 \uacb0\uc81c\ub9cc \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc774\uc804 \uadf8\ub8f9\uc758 \uc885\uc18d\uc131<\/strong>55\uc138 \uc774\uc0c1 \ud604\uae08 \uacb0\uc81c \uc120\ud638 78%<\/li>\n<\/ul>\n<p>\uadf8\ub7ec\ub098 RBI \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ub3c4\uc2dc \uc9c0\uc5ed\uc758 \ud604\uae08 \uc9c0\ud3d0 \uc720\ud1b5\ub7c9\uc740 2019\ub144\uacfc 2023\ub144 \uc0ac\uc774\uc5d0 11% \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc804\uc790\uc9c0\uac11\uc758 \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5<\/h2>\n<p>\ub3c4\uc2dc \uc80a\uc740\uc774\ub4e4\uc774 \uc120\ud638\ud558\ub294 \uc804\uc790\uc9c0\uac11\uc740 GoPay, OVO, DANA, ShopeePay \ub4f1 \ud604\uc9c0 \uc804\uc790\uc9c0\uac11\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\uc0ac\uc6a9\uc790 \uae30\ubc18<\/strong><\/p>\n<ul>\n<li>1\uc5b5 2,500\ub9cc \uba85\uc758 \ud65c\uc131 \uc0ac\uc6a9\uc790(\uc804\uccb4 \uc778\uad6c\uc758 46%)<\/li>\n<li>38% \uc2dc\uc7a5 \uc810\uc720\uc728\ub85c \uc120\ub450\ub97c \ub2ec\ub9ac\ub294 GoPay<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624<\/strong><\/p>\n<ul>\n<li>\uc628\ub77c\uc778 \uc1fc\ud551\uc774 57%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ud14c\uc774\ud06c\uc544\uc6c3 \ubc30\ub2ec\uc740 29%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<li>QR\ucf54\ub4dc \uc624\ud504\ub77c\uc778 \uc2a4\uce94 \uacb0\uc81c 14%<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>\ud2b9\ud788 Akulaku\uc640 \uac19\uc740 '\uc9c0\uae08 \uad6c\ub9e4, \ub098\uc911\uc5d0 \uacb0\uc81c' \uc11c\ube44\uc2a4\ub294 \uc804\uc790\uc9c0\uac11 \ucc44\ub110\uc744 \ud1b5\ud574 3,00% \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc740\ud589 \uc1a1\uae08\uc740 \uc548\uc815\uc801\uc778 \uc0c1\ud0dc\ub97c \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/h2>\n<p>\uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc778 BI-FAST\ub97c \ud3ec\ud568\ud55c \uc740\ud589 \uc1a1\uae08\uc740 \ube44\ud604\uae08 \uacb0\uc81c\uc758 401\uc870 3,000\uc5b5 \uc6d0\uc744 \ucc28\uc9c0\ud588\uc73c\uba70, \ub2e4\uc74c\uacfc \uac19\uc740 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc720\ud615\ud559<\/th>\n<th>\ubc31\ubd84\uc728<\/th>\n<th>\uc77c\ubc18\uc801\uc778 \uc0ac\uc6a9<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ATM \uc1a1\uae08<\/td>\n<td>31%<\/td>\n<td>\uccad\uad6c\uc11c \uacb0\uc81c<\/td>\n<\/tr>\n<tr>\n<td>\uc628\ub77c\uc778 \ubc45\ud0b9<\/td>\n<td>28%<\/td>\n<td>\ub300\ub7c9 \uad6c\ub9e4<\/td>\n<\/tr>\n<tr>\n<td>\ubaa8\ubc14\uc77c \ubc45\ud0b9<\/td>\n<td>41%<\/td>\n<td>P2P \uc804\uc1a1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uc740\ud589 \ucc44\ub110\uc744 \ud1b5\ud574 75%-80%\uc758 \uc911\uc18c\uae30\uc5c5 B2B \uac70\ub798\ub294 \uacb0\uc81c\ub97c \uc644\ub8cc\ud569\ub2c8\ub2e4.<\/p>\n<h2>'\uc9c0\uae08 \uad6c\ub9e4, \ub098\uc911\uc5d0 \uacb0\uc81c'(BNPL)\uac00 \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\ub85c \ubd80\uc0c1\ud558\ub2e4<\/h2>\n<p>\uc774 \uc0c8\ub85c\uc6b4 \uc2e0\uc6a9 \uc18c\ube44 \ubaa8\ub378\uc740 20~35\uc138 \uc5f0\ub839\uce35 \uc0ac\uc774\uc5d0\uc11c \ube60\ub974\uac8c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>Kredivo \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 \uc804\uc790\uc81c\ud488\uc758 \ub2e8\uacc4\uc801 \uc131\uc7a5 170%<\/li>\n<li>\uc544\ud1b0 \uc758\ub958 \uc8fc\ubb38 \uc99d\uac00 95%<\/li>\n<li>Akulaku\ub294 \uc8fc\ubb38\ub2f9 \ud3c9\uade0 120\ub9cc \ub8e8\ud53c\uc544(\uc57d 85\ub2ec\ub7ec)\ub97c \ubc1b\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uaddc\uc81c \ub2f9\uad6d\uc740 \ub9e4\ub144 200%\uc529 \uc131\uc7a5\ud558\uace0 \uc788\ub294 \uc774 \uc2dc\uc7a5 \ubd80\ubb38\uc5d0 \uc8fc\ubaa9\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>QRIS \uc870\ud654\ub85c\uc6b4 \ud45c\uc900\uc73c\ub85c \uce74\ub4dc \uc5c6\uc774\ub3c4 \uc0ac\uc6a9 \uac00\ub2a5<\/h2>\n<p>\uc911\uc559\uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 \uad6d\uac00 \ud45c\uc900 QR\ucf54\ub4dc \uc2dc\uc2a4\ud15c\uc774 \ud6a8\uacfc\ub97c \ubc1c\ud718\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-mermaid\">\ud30c\uc774<br>\r\n    \uc81c\ubaa9 \uc0b0\uc5c5\ubcc4 QRIS \ubcf4\uae09\ub960(2023)<br>\r\n    \"\uc18c\ub9e4\uc810\" :45 <br>\r\n    \"\ucf00\uc774\ud130\ub9c1 \uc2dc\uc124\":32  <br>\r\n    \"\uc6b4\uc1a1 \uc5ec\ud589\":12  <br>\r\n    \"\uae30\ud0c0 \uc11c\ube44\uc2a4\":11 <br>\r\n<\/code><\/pre>\n<p>\uc774 \uc2dc\uc2a4\ud15c\uc740 1,800\ub9cc \uac1c\uc758 \ud310\ub9e4\uc790\ub97c \uc5f0\uacb0\ud588\uc73c\uba70 \uad6d\uacbd \uac04 \uc2a4\uce94 \uae30\ub2a5\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<h2>\ucf54\ub85c\ub09819 \uc774\ud6c4 \uc9c0\uc18d\ub418\ub294 \ubcc0\ud654 \ube44\uad50 \ud45c<\/h2>\n<p>\ud32c\ub370\ubbf9 \uc804\ud6c4\uc758 \uc8fc\uc694 \ubcc0\ud654\ub97c \ube44\uad50\ud569\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>2019 \ube44\uc728(%)<\/th>\n<th>2023\ub144 \ube44\uc728(%)<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud604\uae08 \uc0ac\uc6a9\ub960<\/td>\n<td>62<\/td>\n<td>35<\/td>\n<\/tr>\n<tr>\n<td>\uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960<\/td>\n<td>23 49<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uc5f0\ub77d\ucc98 \uce74\ub4dc \uacb0\uc81c 18 8<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ud589\ub3d9 \ubcc0\ud654\ub294 \uc77c\uc2dc\uc801\uc778 \ud604\uc0c1\uc774 \uc544\ub2c8\ub77c \uc9c0\uc18d\uc801\uc778 \ud604\uc0c1\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \ud3b8\ucc28\uac00 \ud06c\ubbc0\ub85c \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<br \/>\n\uc790\uce74\ub974\ud0c0 \uc218\ub3c4\uad8c\uc758 \ube44\uc811\ucd09 \uacb0\uc81c \ube44\uc728\uc740 651 TP3T\uc774\uba70, \ub3d9\ubd80 \ub204\uc0ac\ud161\uac00\ub77c\ub294 \uc5ec\uc804\ud788 \uc9c0\ud3d0 \uc120\ud638\ub3c4\uac00 82%\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc804\ubb38\uac00 \uc758\uacac.<br \/>\n\ud540\ud14c\ud06c \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc218\uac85 \uc0b0\ud1a0\uc18c \ud68c\uc7a5\uc740 \"\ud5a5\ud6c4 3\ub144 \uc548\uc5d0 \uc0dd\uccb4\uc778\uc99d\uacfc \uba54\uac00 \uc571 \uc0dd\ud0dc\uacc4\uac00 \uacb0\ud569\ud558\uc5ec \uc5c5\uacc4\uac00 \uc7ac\ud3b8\ub420 \uac83\"\uc774\ub77c\uace0 \uc608\uce21\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc694\uc57d \ucd94\uc138\uc120.<br \/>\n\u2192 \uc80a\uc740 \uc138\ub300\uac00 \ub514\uc9c0\ud138\ub85c \uc644\uc804\ud788 \uc804\ud658\ud569\ub2c8\ub2e4.<br \/>\n\u2192 \uc804\ud658\uae30\uc758 \uc911\uc18c \ub3c4\uc2dc<br \/>\n\u2192 \uc678\ub534 \uc12c\uc758 \ud604\uc0c1 \uc720\uc9c0<\/p>\n<p>\uad81\uadf9\uc801\uc73c\ub85c \ud310\ub9e4\uc790\ub294 \ubaa8\ub4e0 \uace0\uac1d \uc138\uadf8\uba3c\ud2b8\ub97c \ud3ec\uad04\ud560 \uc218 \uc788\ub3c4\ub85d \ucd5c\uc18c \ub450 \uac00\uc9c0 \ub514\uc9c0\ud138 \uc635\uc158 + \ud604\uae08\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc138\ubd84\ud654 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/h2>\n<h3>I. \uc628\ub77c\uc778 \uc1fc\ud551 \uacb0\uc81c \ud658\uacbd\uc758 \uc9c4\ud654<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5\uc740 2023\ub144\uae4c\uc9c0 \ucd1d \uac70\ub798\uc561 800\uc5b5 \ub2ec\ub7ec\ub97c \ub3cc\ud30c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uacb0\uc81c \uc218\ub2e8\uc740 \uc0c1\ub2f9\ud55c \uacc4\uce35\ud654\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\uc8fc\uc694 \ud50c\ub7ab\ud3fc \uae30\ubcf8 \uc124\uc815<\/strong><\/p>\n<ul>\n<li>\ud1a0\ucf54\ud53c\ub514\uc544: GoPay \uacc4\uc88c 421 TP3T, \uc740\ud589 \uc1a1\uae08 351 TP3T<\/li>\n<li>Shopee: ShopeePay\uac00 \ub3c5\uc810\uc801\uc73c\ub85c \ucc98\ub9ac\ud55c 58% \uac70\ub798 \uac74\uc218<\/li>\n<li>\ub77c\uc790\ub2e4: \uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc\uac00 \uc5ec\uc804\ud788 51% \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc911\uc694\ud55c \uce74\ud14c\uace0\ub9ac \ucc28\uc774\uc810<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR<br>\r\n\uc804\uc790\uc81c\ud488 --&gt; |75%|\uc124\uce58<br>\r\nFMCG--&gt;|68%|\uc804\uc790 \uc9c0\uac11<br>\r\n\ub7ed\uc154\ub9ac--&gt;|82%|\uc740\ud589 \uc1a1\uae08<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc<\/strong><\/p>\n<ul>\n<li>\uc18c\uc15c \uc774\ucee4\uba38\uc2a4(\ud2f1\ud1a1 \uc0f5 \ub4f1)\uc758 '\ubc30\ub2ec \uc2dc \uacb0\uc81c' \uc131\uc7a5 300%<\/li>\n<li>\ub77c\uc774\ube0c \uc2a4\ud2b8\ub9ac\ubc0d \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c '\uc6d0\ud074\ub9ad \uacb0\uc81c' \uc804\ud658\uc728 \uc99d\uac00 \uc2dc\ub098\ub9ac\uc62440%<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>II. \uc624\ud504\ub77c\uc778 \uc18c\ub9e4 \ud615\uc2dd\uc758 \uacb0\uc81c \ub9e4\ud551<\/h3>\n<h4>(1) \ud604\ub300 \ucc44\ub110(\ud3b8\uc758\uc810\/\uc288\ud37c\ub9c8\ucf13)<\/h4>\n<ul>\n<li>\n<p>\uc54c\ud30c\ub9c8\ud2b8\/\uc778\ub3c4\ub9c8\ud2b8 \uc2dc\uc2a4\ud15c:<\/p>\n<ul>\n<li>100%\uc758 QRIS \ubcf4\uae09\ub960<\/li>\n<li>\uc804\uc790\uc9c0\uac11 \uc810\uc720\uc728\uc774 2019\ub144 121%\uc5d0\uc11c 2023\ub144 531%\ub85c \uae09\uc99d\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Circle K \ubc0f \uae30\ud0c0 \uad6d\uc81c \uccb4\uc778\uc810:<br \/>\n| \uae30\uac04 | \ud604\uae08 \ube44\uc728 | \ube44\ud604\uae08 \ube44\uc728|<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;-|<br \/>\n|\uc624\uc804 \ud53c\ud06c(\uc624\uc804 7~9\uc2dc) |38% |62% |62%<br \/>\n|\uc57c\uc2dd \uc2dc\uac04(\uc624\ud6c4 21-24\uc2dc)|15% |85%<\/p>\n<\/li>\n<\/ul>\n<h4>(2) \uc804\ud1b5\uc2dc\uc7a5 \ud601\uc2e0 \uc2e4\ud5d8<\/h4>\n<p>\uc911\uc559\uc740\ud589\uc774 \ucd94\uc9c4\ud558\ub294 \ub514\uc9c0\ud138 \ud478\ub4dc \ubc14\uc2a4\ucf13 \ud504\ub85c\uadf8\ub7a8\uc758 \ud6a8\uacfc:<\/p>\n<pre><code class=\"language-python\"># \uc790\uce74\ub974\ud0c0 \uc2dc\ubc94 \uc2dc\uc7a5\uc758 \ub370\uc774\ud130 \ube44\uad50 <br>\r\n\uc774\uc804 = {'\ud604\uae08':92%, '\ub514\uc9c0\ud138':8%, '\uc77c\ud3c9\uade0 \uac70\ub798\ub7c9':1200\uac74}<br>\r\nafter = {'\ud604\uae08':47%, '\ub514\uc9c0\ud138':53%, '\uc77c\uc77c \ud3c9\uade0 \uac70\ub798\ub7c9':2100\uac74} <br>\r\n# \ucc38\uace0: \uc815\ubd80 \ubcf4\uc870\uae08 \uc778\uc13c\ud2f0\ube0c \ud3ec\ud568<br>\r\n<\/code><\/pre>\n<p>III. \uc11c\ube44\uc2a4 \ubd80\ubb38\uc758 \ud2b9\uc218 \uc0dd\ud0dc<\/p>\n<ol>\n<li>\n<p><strong>\uad50\ud1b5 \ubc0f \uc5ec\ud589<\/strong><\/p>\n<ul>\n<li>\uace0\uc81d \uc0dd\ud0dc\uacc4 \ub0b4 \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c \ube44\uc728\uc740 97%\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n- \ud30c\ub791\uc0c8 \ud0dd\uc2dc \uc2e0\uc6a9\uce74\ub4dc \ub2e8\ub9d0\uae30 \ubcf4\uae09\ub960 1001\ub300, \uc2e4\uc81c \uc0ac\uc6a9\ub7c9\uc740 191\ub300\uc5d0 \uadf8\ucce4\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad50\uc721 \ubc0f \uc758\ub8cc \uc2dc\ub098\ub9ac\uc624<\/strong><br \/>\n\uc0ac\ub9bd\ud559\uad50 \uc218\uc5c5\ub8cc \ub0a9\ubd80\uc5d0\ub294 \ud765\ubbf8\ub85c\uc6b4 \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<p>\uacb0\uc81c \ubc29\ubc95 \u2502\ud3c9\uade0 \ucc98\ub9ac \uc2dc\uac04 \u2502\uc2e4\ud328\uc728<br \/>\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500<br \/>\n\uc740\ud589 \uce74\uc6b4\ud130 \uc1a1\uae08 \u250248\uc2dc\uac04 \u250212%<br \/>\n\ubaa8\ubc14\uc77c \ubc45\ud0b9 \uc571 \u25028\ubd84 \u25022.3%<br \/>\n\ud0c0\uc0ac \uc9d1\uacc4 \ud50c\ub7ab\ud3fc \u2502\uc989\uc2dc \u25020.7\ud37c\uc13c\ud2b8<\/p>\n<\/li>\n<\/ol>\n<p>IV. \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ubd80\uc0c1\uacfc \uacfc\uc81c<\/p>\n<p>\uc911\uad6d\uc758 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\uac00 \uc9d1\uc911\uc801\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\uba74\uc11c \uc0c8\ub85c\uc6b4 \uc218\uc694\uac00 \uc0dd\uaca8\ub098\uba74\uc11c \ud601\uc2e0\uc801\uc778 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\ud398\uc778 \ud3ec\uc778\ud2b8 \ub9f5<\/strong><\/li>\n<\/ol>\n<pre><code class=\"language-mermaid\">\uc5ec\uc815     <br>\r\n\uc81c\ubaa9 \uc18c\ube44\uc790 \uad6d\uacbd \uac04 \uacb0\uc81c \uc7a5\ubcbd     <br>\r\n\uc139\uc158 \uae08\uc561 \ud55c\ub3c4      <br>\r\n30%% \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub2e8\uc77c \uc81c\ud55c \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4.      <br>\r\n\uc139\uc158 \ud658\uc804       <br>\r\n25%% \ubd88\ud22c\uba85\ud55c \ud658\uc728\uc5d0 \ub300\ud55c \ubd88\ub9cc \uc0ac\ud56d     <br>\r\n\uc139\uc158 \uc720\ud6a8\uc131 \uac80\uc0ac \ud504\ub85c\uc138\uc2a4       <br>\r\n20%% OTP \uc2e4\ud328\ub85c \uc778\ud55c \uad6c\ub9e4 \ud3ec\uae30    <br>\r\n<\/code><\/pre>\n<p>2.<strong>\ud5e4\ub4dc \ud50c\ub808\uc774\uc5b4 \uc194\ub8e8\uc158 \ube44\uad50<\/strong><\/p>\n<h2>\ud68c\uc0ac \ud575\uc2ec \uac15\uc810 \ud0c0\uac9f \uace0\uac1d<\/h2>\n<p>Doku \ud604\uc9c0\ud654\ub41c \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c \uc911\uc18c\uaddc\ubaa8 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \ube44\uc988\ub2c8\uc2a4<br \/>\n\uc5d0\uc5b4\uc6d4\ub809\uc2a4 \ub2e4\uc911 \ud1b5\ud654 \uacc4\uc815 \uc2dc\uc2a4\ud15c \ube0c\ub79c\ub4dc \ub3c5\ub9bd\ud615 \uc0ac\uc774\ud2b8<br \/>\nNIUM \uc2e4\uc2dc\uac04 \uc678\ud658 \ub77d\uc778 \uace0\ube48\ub3c4 \uad6c\ub9e4\uc790<\/p>\n<p><em>\ucc38\uace0: 2024\ub144\uc5d0 \uad6c\ud604\ub420 \uc0c8 \ubc84\uc804\uc758 API \ud45c\uc900\uc740 \uacb0\uc81c \uc9c0\uc5f0\uc744 30%\uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/em><\/p>\n<p>V. \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\uc758 \ucd5c\uadfc \ub3d9\ud5a5<\/p>\n<p>\uae08\uc735 \uc11c\ube44\uc2a4 \ub2f9\uad6d(OJK)\uc758 \ucd5c\uadfc \ud14c\uc2a4\ud2b8 \ud504\ub85c\uadf8\ub7a8\uc740 \uc8fc\ubaa9\ud560 \ub9cc\ud569\ub2c8\ub2e4:<\/p>\n<p>1.<strong>\uc0dd\uccb4 \uc778\uc99d \ud14c\uc2a4\ud2b8<\/strong><br \/>\n-\ucc38\uc5ec \uae30\uad00: 6\uac1c \uc740\ud589 + 3\uac1c \uc804\uc790\uc9c0\uac11<br \/>\n-\ud14c\uc2a4\ud2b8 \uacb0\uacfc: 98.7%\uc758 \uc5bc\uad74 \uc778\uc2dd \uc131\uacf5\ub960, SMS OTP\ubcf4\ub2e4 5\ubc30 \ube60\ub978 \uc18d\ub3c4<\/p>\n<p>2.<strong>\ub514\uc9c0\ud138 \ud1b5\ud654 \ube0c\ub9ac\uc9c0 \ud504\ub85c\uc81d\ud2b8<\/strong><br \/>\n\ub9d0\ub808\uc774\uc2dc\uc544, \uc2f1\uac00\ud3ec\ub974\uc640 \uacf5\ub3d9\uc73c\ub85c \ud14c\uc2a4\ud2b8 \uc911\uc778 \ub3c4\ub9e4 CBDC\ub294 2\ub2e8\uacc4 \ud14c\uc2a4\ud2b8\ub97c \uc644\ub8cc\ud588\uc73c\uba70, B2B \uad6d\uacbd \uac04 \uacb0\uc81c \ube44\uc6a9\uc744 \ud604\uc7ac\uc758 7~9%\uc5d0\uc11c \uc57d 2%\ub85c \ub0ae\ucd9c \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uae30\ub300\ub429\ub2c8\ub2e4.<\/p>\n<p>VI. \uc8fc\uc694 \uc778\ud504\ub77c \ubcd1\ubaa9 \ud604\uc0c1<\/p>\n<p>\ube60\ub978 \ubc1c\uc804\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uc5b4\ub824\uc6b4 \uc81c\uc57d\uc774 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<p>1.<strong>\ub124\ud2b8\uc6cc\ud06c \ucee4\ubc84\ub9ac\uc9c0 \uaca9\ucc28<\/strong>\u3000\u3000\u3000\u3000\u3000\u3000\u3000\ub3d9\ubd80 \uc81c\ub3c4\uc758 61%\ub9cc\uc774 4G \uc2e0\ud638\uac00 \ub3c4\ub2ec\ud558\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4.<\/p>\n<p>2.<strong>\uc7a5\ube44 \ubcf4\uae09\uc758 \uc5ed\uc124<\/strong>\u3000\u3000\u3000\u3000\u3000\uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc790\ub294 2\uc5b5 1,000\ub9cc \uba85\uc5d0 \ub2ec\ud558\uc9c0\ub9cc NFC \uc9c0\uc6d0 \ud734\ub300\ud3f0\uc740 \uc804\uccb4\uc758 37%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/p>\n<p>3.<strong>\uc804\uae30 \uacf5\uae09\uc758 \uc548\uc815\uc131 \ubb38\uc81c\ub85c \uc778\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \ubb38\uc81c\uac00 \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4.<\/strong>:<br \/>\uc678\ub534 \uc9c0\uc5ed\uc758 \uc5d0\uc774\uc804\ud2b8\ub294 \uc815\uc804\uc73c\ub85c \uc778\ud574 \ud55c \ub2ec \ud3c9\uade0 8\ubc88\uc758 \uac70\ub798 \uc911\ub2e8\uc744 \uacbd\ud5d8\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5b4\ub5a4 \ud2b9\uc815 \ucc28\uc6d0\uc758 \ubd84\uc11d\uc744 \uacc4\uc18d\ud558\uace0 \ucd94\uac00\ud574\uc57c \ud558\ub098\uc694? \ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\ud5a5\uc73c\ub85c \ud655\uc7a5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\ub18d\ucd0c \uc9c0\uc5ed\uc758 \ud2b9\uc218 \ud328\ud134 \uc0ac\ub840 \uc5f0\uad6c<br \/>\n\uc885\uad50 \ucd95\uc81c \uae30\uac04 \uc911 \uacb0\uc81c \ud53c\ud06c\uc758 \ud2b9\uc9d5 \u25c6 \uacb0\uc81c \ud53c\ud06c\uc758 \ud2b9\uc9d5<br \/>\n\uc18c\ub4dd \uacc4\uce35\ubcc4 \ud558\uc704 \uadf8\ub8f9 \ud589\ub3d9\uc758 \ucc28\uc774 \u25c6 \uc18c\ub4dd \uacc4\uce35\ubcc4 \ud589\ub3d9\uc758 \ucc28\uc774<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\ub78c\ub4e4\uc740 \uc77c\uc0c1\uc801\uc778 \uc9c0\ucd9c\uc5d0 \uc5b4\ub5a4 \uacb0\uc81c \uc218\ub2e8\uc744 \uc120\ud638\ud560\uae4c\uc694? \uc18c\uac1c \ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \uae09\uc18d\ud55c \ubc1c\uc804\uacfc \ud568\uaed8 ...<\/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":[39],"tags":[],"class_list":["post-2889","post","type-post","status-publish","format-standard","hentry","category-39"],"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>\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f - 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, 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