{"id":2967,"date":"2025-05-23T14:00:54","date_gmt":"2025-05-23T06:00:54","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2967"},"modified":"2025-05-23T14:00:54","modified_gmt":"2025-05-23T06:00:54","slug":"ovo%e3%80%81dana%e3%80%81linkaja%ef%bc%9a%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%93%aa%e5%ae%b6%e5%bc%ba%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/23\/ovo%e3%80%81dana%e3%80%81linkaja%ef%bc%9a%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%93%aa%e5%ae%b6%e5%bc%ba%ef%bc%9f\/","title":{"rendered":"OVO, \ub2e4\ub098, \ub9c1\ud06c\uc544\uc790: \ucd5c\uace0\uc758 \uc774\ucee4\uba38\uc2a4 \uceec\ub809\uc158\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc804\uc790\uc0c1\uac70\ub798 \uc218\uae08 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c OVO, DANA, LinkAja\ub294 \uac01\uac01 \uace0\uc720\ud55c \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70, \ube44\uc988\ub2c8\uc2a4 \uc694\uad6c\uc5d0 \ub530\ub77c \uc885\ud569\uc801\uc73c\ub85c \ud3c9\uac00\ud558\uc5ec \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc804\ubb38\uc801\uc778 \ube44\uad50 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<p>I. \ud575\uc2ec \uc9c0\ud45c \ube44\uad50<\/p>\n<ol>\n<li>\uc2dc\uc7a5 \uce68\ud22c\uc728(2023\ub144 \ub370\uc774\ud130):<\/li>\n<\/ol>\n<ul>\n<li>OVO: \uc778\ub3c4\ub124\uc2dc\uc544 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc758 45%\ub97c \ucee4\ubc84(MAU 3,800\ub9cc \uba85)<\/li>\n<li>DANA: 32% \uc2dc\uc7a5 \uc810\uc720\uc728(2,700\ub9cc MAU)<\/li>\n<li>LinkAja: 2, 3\uc120 \ub3c4\uc2dc\uc5d0 \uc911\uc810\uc744 \ub454 \uad6d\uc720 \ubc30\uacbd, \uad6d\uc601 \ubc30\uacbd<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uac70\ub798 \ube44\uc728:<br \/>\n| \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 &gt; \uae30\ubcf8 \uc694\uae08 &gt; \ub300\uaddc\ubaa8 \uace0\uac1d \ud611\uc0c1 \uacf5\uac04 &gt; \uacc4\uc815\uc73c\ub85c T+1 &gt; \uacc4\uc815\uc73c\ub85c T+1<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;|<br \/>\nOVO | 1.8% | 1\uc5b5 IDR \uc774\uc0c1 \ud611\uc0c1 \uac00\ub2a5 | \u221a | \u221a |<br \/>\n| DANA | 1.5% | 5\uc5b5 IDR \uc774\uc0c1 \ud611\uc0c1 \uac00\ub2a5 | \u221a | \u221a<br \/>\n| LinkAja | 1.2%* | \u22640.8%(\uc815\ubd80 \ud611\ub825) | \u00d7(T+3) |<\/li>\n<\/ol>\n<p>*\ucc38\uace0: LinkAja\ub294 UMKM\uc744 \uc704\ud55c \ud2b9\ubcc4 \ubcf4\uc870\uae08\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>II. \uae30\uc220 \ub3c4\ud0b9 \ucc28\uc6d0<\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD<br>\r\n    A[API \uc548\uc815\uc131] --&gt; B(OVO:99.95%)<br>\r\n    A --&gt; C (\ub2e4\ub098:99.98%)<br>\r\n    A --&gt; D (\ub9c1\ud06c\uc544\uc790:99.7%) <br>\r\n    <br>\r\n    E[\uc704\ud5d8 \uc81c\uc5b4 \uba54\ucee4\ub2c8\uc998] --&gt; F(OVO:AI \uc2e4\uc2dc\uac04 \ubaa8\ub2c8\ud130\ub9c1)<br>\r\n    E --&gt; G(DANA: \uc740\ud589 \uc218\uc900 \uc554\ud638\ud654)<br>\r\n    E --&gt; H (\ub9c1\ud06c\uc544\uc790:BJBR \uc778\uc99d)<br>\r\n<\/code><\/pre>\n<p>III. \ud2b9\uc218 \uc7a5\uba74 \uc801\uc751\uc131<br \/>\n- <strong>\uace0\uac1d\ub2f9 \ub192\uc740 \uac00\uaca9<\/strong>(&gt; 500\ub9cc IDR): \uc6b0\uc120 DANA(\ub2e8\uc77c \ud55c\ub3c4 2,000\ub9cc IDR)<br \/>\n- <strong>\uc815\ubd80 \ud504\ub85c\uc81d\ud2b8<\/strong>\ub9c1\ud06c\uc544\uc790 \ud544\uc218 \uc0ac\uc6a9(PBI \uc900\uc218)<br \/>\n- <strong>\uc18c\uc15c \uc774\ucee4\uba38\uc2a4<\/strong>OVO\ub294 \ud2f1\ud1a1\/\uc1fc\ud53c \uc0dd\ud0dc\uacc4\uc640 \ub354 \uc798 \ud638\ud658\ub429\ub2c8\ub2e4.<\/p>\n<p>(iv) \uc2e4\uc6a9\uc801\uc778 \uc870\uc5b8 \ud504\ub85c\uadf8\ub7a8\uc758 \uc870\ud569:<br \/>\n1\ufe0f\u20e3 \ud2f0\uc5b4 1 \ud50c\ub798\uadf8\uc2ed \uc2dc\ud2f0 \uc2a4\ud1a0\uc5b4:<br \/>\n\ud574\uc678 \uacb0\uc81c\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud55c OVO + DANA \ucf64\ubcf4(75% \uc774\uc0c1 \ucee4\ubc84\ub9ac\uc9c0) + PayPal<\/p>\n<p>2\ufe0f\u20e3 \ud30c\uc0ac\ub974 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc2a4\ud3ec\uba54\uc774\uc158 \ud504\ub85c\uc81d\ud2b8:<br \/>\n0.6%\uc758 \ud2b9\ubcc4 \uc694\uae08\uc744 \ub204\ub9ac\uae30 \uc704\ud574 \ud544\uc218\uc801\uc73c\ub85c LinkAja + BRI \uacc4\uc815\uc744 \uc5f0\uacb0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>V. \uc704\ud5d8 \uacbd\uace0:<br \/>\n\u26a0\ufe0f \ucd5c\uadfc AML \uc870\uc0ac\ub85c \uc778\ud55c OVO\uc758 \ube44\uc815\uc0c1 \uac70\ub798 \ucc28\ub2e8 \ube44\uc728 3%-5%<br \/>\n\u26a0\ufe0f \ube44\ud611\ub825 \uc740\ud589\uc5d0\uc11c \ud604\uae08 \uc778\ucd9c \uc2dc \uace0\uc815 \uc218\uc218\ub8cc(4,500IDR\/\uac74)\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uacf5\uc2dd\uc744 \ucc38\uc870\ud558\uc5ec \ub9e4\uc6d4 '\uacb0\uc81c \ucc44\ub110 \uc0c1\ud0dc \ud655\uc778'\uc744 \uc218\ud589\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code>\ucc44\ub110 \ud6a8\uc728\uc131 \uc810\uc218 = (\uc131\uacf5\ub960 x 0.4) + (\uc694\uae08 \uacc4\uc218 x 0.3) + (\uc815\uc0b0 \uc18d\ub3c4 x 0)<br>\r\n<\/code><\/pre>\n<p>\uc790, \uc774\uc81c \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc0c1\uc704 3\uac1c \ub514\uc9c0\ud138 \uacb0\uc81c \uc5c5\uccb4\uc758 \uc6b4\uc601 \uc138\ubd80 \uc0ac\ud56d\uacfc \uace0\uae09 \uc804\ub7b5\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc5ec\ub7ec\ubd84\uc774 \uc54c\uc544\uc57c \ud560 \ub354 \uae4a\uc740 \ucc28\uc6d0\uacfc \uc2e4\uc6a9\uc801\uc778 \uc194\ub8e8\uc158\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>VI. \uc790\uae08 \ud480\ub9c1\uc758 \ud6a8\uc728\uc131 \ube44\uad50(\uc8fc\uc694 \uc7ac\ubb34 \uc9c0\ud45c)<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\ucc28\uc6d0(\uc218\ud559)<\/th>\n<th>OVO<\/th>\n<th>DANA<\/th>\n<th>LinkAja<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\ub300\ub7c9 \ucd9c\uae08 \ube44\uc6a9<\/strong><\/td>\n<td>0.15%\/\ud39c(\u22655\ud39c)<\/td>\n<td>\ubb34\ub8cc(BRI \ud611\ub3d9\uc870\ud569 \uacc4\uc815)<\/td>\n<td>\uace0\uc815 \uc694\uae08 4,500 IDR<\/td>\n<\/tr>\n<tr>\n<td><strong>\uc678\ud658 \uacb0\uc81c<\/strong><\/td>\n<td>\ubbf8\uad6d \ub2ec\ub7ec \uc9c0\uc6d0<\/td>\n<td>IDR\ub9cc \ud574\ub2f9<\/td>\n<td>\uc911\uc559 \uc740\ud589 \ucc44\ub110\uc744 \uac70\uccd0\uc57c \ud568<\/td>\n<\/tr>\n<tr>\n<td><strong>\uc774\uc790 \ubd80\ub2f4 \uc794\uc561(\ud68c\uacc4)<\/strong><\/td>\n<td>\u221a (\uc5f0\uac04 1.2%)<\/td>\n<td>\u00d7<\/td>\n<td>\u221a(\uad6d\uc720 \uc740\ud589\uc5d0\uc11c \uc2e0\ud0c1 \ubcf4\uc720)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\ucc38\uace0: LinkAja \uae30\uc5c5 \uacc4\uc815\uc740 \ub9e4\uc77c \uc9c0\uc815\ub41c BUMN \uc740\ud589\uc5d0 \uc790\ub3d9\uc73c\ub85c \uadc0\uc18d\ub429\ub2c8\ub2e4.<\/em><\/p>\n<hr>\n<h3><strong>VII. \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/strong><\/h3>\n<pre><code class=\"language-python\"># \uc77c\ubc18\uc801\uc778 \uc704\ud5d8 \uad00\ub9ac \uaddc\uce59\uc758 \uc608(OVO)<br>\r\n\ud2b8\ub79c\uc7ad\uc158_\uae08\uc561 &gt; 10_000_000.<br>\r\n    trigger_3ds_verification()<br>\r\n\uace0\uc704\ud5d8_DB\uc758 ELIF \uc7a5\uce58_\uc9c0\ubb38.<br>\r\n    \uc694\uad6c_\uc0dd\uccb4\uc778\uc2dd_\uc778\uc99d()<br>\r\nelse.<br>\r\n    \uc801\uc6a9_\ub3d9\uc801_\uc81c\ud55c_\uc870\uc815()<br>\r\n<br>\r\n# DANA \uc8fc\uc694 \uba54\ucee4\ub2c8\uc998:<br>\r\n- \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud2b8\ub79c\uc7ad\uc158 \uc2e4\uc2dc\uac04 \ucc28\ub2e8(\uc751\ub2f5 \uc2dc\uac04 200ms \ubbf8\ub9cc)<br>\r\n- MCC \ucf54\ub4dc \ube14\ub799\ub9ac\uc2a4\ud2b8 \uc2dc\uc2a4\ud15c(\ub3c4\ubc15\/\uac00\uc0c1 \ud654\ud3d0 \ub4f1 \ud3ec\ud568)<br>\r\n<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>VIII. \ub9de\ucda4\ud615 \uc194\ub8e8\uc158 \ub9e4\ud2b8\ub9ad\uc2a4<\/strong><\/h3>\n<p>\uc6d4\ubcc4 GMV\ub97c \uae30\uc900\uc73c\ub85c \ud55c \uace8\ub4dc \ud3ec\ud2b8\ud3f4\ub9ac\uc624:<\/p>\n<pre><code>\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br>\r\n\uc6d4\ubcc4 \uac70\ub798 \uaddc\ubaa8 \u2502 \uad8c\uc7a5 \ud560\ub2f9\ub7c9 \u2502 \ucd94\ucc9c \ud560\ub2f9\ub7c9 \u2502<br>\r\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524 <br>\r\n5\uc5b5 IDR \ubbf8\ub9cc \u2502 OVO Basic + Xendit \ubc31\uc5c5 \ucc44\ub110 \u2502 5\uc5b5 IDR \ubbf8\ub9cc<br>\r\n(\uc5f0\uacb0 \ube44\uc6a9 1.65%) \u2502 \u2502 (\uc5f0\uacb0 \ube44\uc6a9 1.65%) \u2502<br>\r\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br>\r\n5-2\uc5b5 IDR \u2502 DANA \uc5d4\ud130\ud504\ub77c\uc774\uc988 API + LinkAja GovTalk \u2502 \u2502 50\uc5b5 IDR  <br>\r\n(0.9% \ud328\ud0a4\uc9c0 \uc694\uae08\uc73c\ub85c \ud611\uc0c1 \uac00\ub2a5) \u2502 \u2502 (0.9% \ud328\ud0a4\uc9c0 \uc694\uae08\uc73c\ub85c \ud611\uc0c1 \uac00\ub2a5) \u2502<br>\r\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524    <br>\r\n20\uc5b5 IDR \ucd08\uacfc \u2502 \ud611\uc0c1\ub41c \ud328\ud0a4\uc9c0: \u2502  <br>\r\n\u2502 \u251c\u00f3\u00f3\u00e9\u00bc\u253c\u00f4OVO \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \uc775\uc2a4\ud2b8\ub9bc \uc815\uc0b0 \u2502 \u2502 \u251c\u00f3\u00f3\u00e9\u252c\u00a5 \u2502  <br>\r\n\u2502 \u251c\u2500 DANA \ub300\uc6a9\ub7c9 \uc804\uc6a9 \ucc44\ub110 \u2502 \u251c\u2500 \ub300\ub7c9 \uc804\uc6a9 \ucc44\ub110 \u2502  <br>\r\n\ub9c1\ud06c\uc544\uc790 \uc815\ucc45 \ubcf4\uc870\uae08 \uc778\ud130\ud398\uc774\uc2a4 \u2502 \u2514\u2500 \ub9c1\ud06c\uc544\uc790 \uc815\ucc45 \ubcf4\uc870\uae08 \uc778\ud130\ud398\uc774\uc2a4 \u2502  <br>\r\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518 <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>IX. \uaddc\uc815 \uc900\uc218\ub97c \uc704\ud55c \uc8fc\uc694 \ucc28\uc774\uc810<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\ub370\uc774\ud130 \uc8fc\uad8c \uc694\uad6c \uc0ac\ud56d<\/strong>::<\/p>\n<ul>\n<li>LinkAja \ud544\uc218 \ub370\uc774\ud130 \ud604\uc9c0\ud654(PNBP \uba85\ub839 71)<\/li>\n<li>OVO\/DANA\ub294 \uad6d\uac00 \uac04 \uc804\uc1a1\uc744 \ud5c8\uc6a9\ud558\uc9c0\ub9cc BKPM \ubcf4\uace0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc778\ubcf4\uc774\uc2a4 \ubc1c\ud589<\/strong>::<\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR.<br>\r\n  A [\uc804\uc790 \uc1a1\uc7a5] --&gt; B [OVO: \uc790\ub3d9 \uc0dd\uc131\ub41c PDF]<br>\r\n  A --&gt; C [DANA: \uc2dc\uc2a4\ud15c \ud30c\uc791\uc5d0 API \uc9c1\uc811 \ub9c1\ud06c]<br>\r\n  A --&gt; D [LinkAja: MPN-G2 \uc218\ub3d9 \uc785\ub825 \ud544\uc694]<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p>KYC \uacc4\uce35 \uad6c\uc870 \ube44\uad50:<br \/>\n<img decoding=\"async\" src=\"https:\/\/via.placeholder.com\/400x200?text=OVO:Lv3+%E7%94%9F%E7%89%A9%E8%AE%A4%E8%AF%81%5CnDANA:Lv4%E8%A7%86%E9%A2%91%E9%9D%A2%E7%AD%BE%5CnLinkAja:Lv2%E5%9F%BA%E7%A1%80%E9%AA%8C%E8%AF%81\" alt=\"KYC \ube44\uad50 \ucc28\ud2b8\"><\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>X. 2024\ub144 \ud2b8\ub80c\ub4dc \uc608\uce21 \ubc0f \ub300\uc751<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <strong>\uc608\uc815\ub41c \uaddc\uc81c \ubcc0\uacbd \uc0ac\ud56d<\/strong>::<\/p>\n<ul>\n<li>BI\ub294 QR\ucf54\ub4dc \uacb0\uc81c\ub97c QRIS \ud45c\uc900\uc5d0 \ub9de\uac8c \uc870\uc815\ud560 \uacc4\ud68d\uc785\ub2c8\ub2e4(LinkAja\ub294 \uc774\ubbf8 100%\uc640 \ud638\ud658, OVO\/Dana\ub294 2\ubd84\uae30\uae4c\uc9c0 \ubcc0\ud658 \ud544\uc694).<\/li>\n<\/ul>\n<p>2\ufe0f\u20e3 <strong>\uae30\uc220 \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/strong>::<\/p>\n<pre><code class=\"language-diff\">+ \uc989\uac01\uc801\uc778 \uc870\uce58.<br>\r\n! ISO20022 \ud45c\uc900 \uba54\uc2dc\uc9c0 \ud615\uc2dd\uc73c\ub85c\uc758 API \ub9c8\uc774\uadf8\ub808\uc774\uc158  <br>\r\n! \uce74\ub4dc \ubc88\ud638 \uc800\uc7a5(PAN)\uc744 \ub300\uccb4\ud558\ub294 \ud1a0\ud070\ud654 \ub300\uc548<br>\r\n<\/code><\/pre>\n<p>3\ufe0f\u20e3 '\ud788\ub4e0 \uc5d0\uc774\uc2a4' \ud2b9\uc9d1 \ubc1c\uad74:<\/p>\n<ul>\n<li>OVO\uc758 'PayLater' \uae30\ub2a5\uc73c\ub85c \uace0\uac1d \ub2e8\uac00 \uc0c1\uc2b9 37%(\ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \uc561\uc138\uc2a4 \ud544\uc694)<\/li>\n<li>DANA\uc758 '\ubd84\ud560 \uccad\uad6c\uc11c'\ub294 \uccad\uad6c\uc11c \ubd84\ud560\uc744 \uc790\ub3d9\ud654\ud558\ub294 \uadf8\ub8f9 \uad6c\ub9e4 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ud2b9\uc815 \ubd84\uc57c\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc774 \ud544\uc694\ud558\uc2e0\uac00\uc694? \uc608\ub97c \ub4e4\uc5b4, Dana\uc758 \ud310\ub9e4\uc790 \ub300\uc2dc\ubcf4\ub4dc\ub97c \uc0ac\uc6a9\ud558\uc5ec \uac70\ubd80\uc728\uc744 \ucd5c\uc801\ud654\ud558\uac70\ub098 LinkAja\uc758 PAD \uc9c0\uc5ed \ubcf4\uc870\uae08 \uc815\ucc45\uc744 \ud65c\uc6a9\ud558\ub294 \ubc29\ubc95\uc774 \uad81\uae08\ud558\uc2e0\uac00\uc694?<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc804\uc790 \uc0c1\uac70\ub798 \uacb0\uc81c \uc218\uae08 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c OVO, DANA, LinkAja\ub294 \uac01\uac01 \uc7a5\uc810\uc774 \uc788\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":[39],"tags":[],"class_list":["post-2967","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"<!-- This site is optimized with the 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