{"id":2987,"date":"2025-05-23T14:21:03","date_gmt":"2025-05-23T06:21:03","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2987"},"modified":"2025-05-23T14:21:03","modified_gmt":"2025-05-23T06:21:03","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%9c%a8%e7%ba%bf%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/23\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%9c%a8%e7%ba%bf%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%a7%a3%e6%9e%90\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544 \uc628\ub77c\uc778 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ubd84\uc11d"},"content":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc628\ub77c\uc778 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \ud604\uc9c0 \uc194\ub8e8\uc158, \uad6d\uc81c \uacb0\uc81c \ud50c\ub7ab\ud3fc, \uc2e0\ud765 \ud540\ud14c\ud06c\uac00 \ud63c\ud569\ub41c \ub2e4\uc591\ud55c \uc0dd\ud0dc\uacc4\uc785\ub2c8\ub2e4. \uc544\ub798\ub294 6\uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc885\ud569\uc801\uc73c\ub85c \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\uc8fc\uc694 \uacb0\uc81c \uc218\ub2e8 \ud658\uacbd<\/li>\n<\/ol>\n<ul>\n<li>\uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0: FPX(\uae08\uc735 \ud504\ub85c\uc138\uc2a4 \uad50\ud658)\ub294 \ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 \uc2e4\uc2dc\uac04 \uc774\uccb4 \uc2dc\uc2a4\ud15c\uc73c\ub85c, 95% \uc774\uc0c1\uc758 \ud604\uc9c0 \uc740\ud589 \uacc4\uc88c\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc804\uc790\uc9c0\uac11: Touch 'n Go \uc804\uc790\uc9c0\uac11(2\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790), GrabPay, Boost\uac00 \uc0bc\uc704\uc77c\uccb4\ub97c \uc774\ub8f9\ub2c8\ub2e4.<\/li>\n<li>\uce74\ub4dc \uc870\uc9c1 \ub124\ud2b8\uc6cc\ud06c: \ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc \ubcf4\uae09\ub960 58%, \uc77c\ubd80 \ubb34\uc2ac\ub9bc \uc0ac\uc6a9\uc790\ub294 \uc0e4\ub9ac\uc544\ub97c \uc900\uc218\ud558\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc0ac\uc6a9\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc74c\uc5d0 \uc720\uc758\ud558\uc138\uc694.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud2b9\uc9d5<\/li>\n<\/ol>\n<ul>\n<li>BNM(\uad6d\ub9bd\uc740\ud589)\uc5d0\uc11c \uc2dc\ud589\ud558\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c\ubc95 2011\uc5d0 \ub530\ub77c \uacb0\uc81c \uae30\uad00\uc740 3\uac00\uc9c0 \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub85c \ubd84\ub958\ub429\ub2c8\ub2e4:<br \/>\n\uce74\ud14c\uace0\ub9ac \u2160: \uad6d\ub0b4 \uc1a1\uae08\ub9cc \uac00\ub2a5(\uc608: DuitNow)<br \/>\n\uc720\ud615 II: \uc804\uc790\uc0c1\uac70\ub798 \uac70\ub798 \ucc98\ub9ac \uac00\ub2a5(\ub300\ubd80\ubd84\uc758 \ud1b5\ud569 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 \ud3ec\ud568)<br \/>\n\uce74\ud14c\uace0\ub9ac III: \uad6d\uacbd \uac04 \uacb0\uc81c\uac00 \ud5c8\uc6a9\ub428<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\uae30\uc220 \uc778\ud504\ub77c \ud558\uc774\ub77c\uc774\ud2b8<\/li>\n<\/ol>\n<ul>\n<li>\uc740\ud589 \uac04 \ucd08\ub2e8\uc704\ub85c \uc1a1\uae08\ud560 \uc218 \uc788\ub294 \ub4c0\uc787\ub098\uc6b0 \uc989\uc2dc \uc1a1\uae08 \uc2dc\uc2a4\ud15c<\/li>\n<li>QRIS \ud45c\uc900\ud654 QR \ucf54\ub4dc\uac00 17\uac1c \uc8fc\uc694 \uc804\uc790\uc9c0\uac11\uc5d0 \ud1b5\ud569\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<li>MyDebit \uc9c1\ubd88 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c, \uc77c\uc77c \ucc98\ub9ac \uac74\uc218 300\ub9cc \uac74 \ub3cc\ud30c<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uacb0\uc81c \uc194\ub8e8\uc158 \ube44\uad50\ud45c:<\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th>\ud504\ub85c\uadf8\ub7a8 \uc720\ud615<\/th>\n<th>\ub300\ud45c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/th>\n<th>SLA \uc18c\uba78\uc2dc\ud6a8<\/th>\n<th>\ud3c9\uade0 \uc694\uae08<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B2B \ubb34\uc5ed \uacb0\uc81c<\/td>\n<td>\uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628 BE<\/td>\n<td>T+2<\/td>\n<td>1.8%<\/td>\n<\/tr>\n<tr>\n<td>\ucd5c\uace0 \uacbd\uc601\uc9c4 \ub514\uc9c0\ud138 \uc9c0\uac11<\/td>\n<td>BigPay<\/td>\n<td>&lt;5\ubd84<\/td>\n<td>~3%<\/td>\n<\/tr>\n<tr>\n<td>LBS \ud604\uc9c0\ud654\ub41c \ud68d\ub4dd<\/td>\n<td>iPay88<\/td>\n<td>T+1<\/td>\n<td>~4.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ol start=\"5\"><\/p>\n<li>\ud540\ud14c\ud06c \ud601\uc2e0 \ubc29\ud5a5:<br \/>\n- 2023\ub144 2\ubd84\uae30 BNPL \ubd80\ubb38\uc740 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0, \uc544\ud1b0\uacfc \uc2a4\ud50c\ub9bf\uc740 \uc804\ub144 \ub3d9\uae30 \ub300\ube44 217% \uc131\uc7a5\ud569\ub2c8\ub2e4.<br \/>\n- P2P \ud380\ub529 \ud50c\ub7ab\ud3fc \ud380\ub529 \uc18c\uc0ac\uc774\uc5b4\ud2f0, \ub204\uc801 \ub300\ucd9c\uc561 20\uc5b5 \ub9c1\uae43 \ub3cc\ud30c<br \/>\n- \uc774\uc2ac\ub78c \uc740\ud589, 40% \ube44\uc6a9 \uc808\uac10\uc744 \uc704\ud55c \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uc1a1\uae08 \ucc44\ub110 \ucd9c\uc2dc<\/li>\n<\/ol>\n<p>6. \ud310\ub9e4\uc790 \uc561\uc138\uc2a4 \uad8c\uc7a5 \uc0ac\ud56d:<br \/>\n\uc911\uc18c\ud615 \uc774\ucee4\uba38\uc2a4 \uc5c5\uccb4\ub294 \ucd1d \uac70\ub798\uc561 3%-4%\uc758 \ud1b5\ud569 \uc194\ub8e8\uc158(\uc608: ipay88)\uc744 \ucc44\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc73c\uba70, \ub300\ud615 \ud50c\ub7ab\ud3fc\uc740 \uc5ec\ub7ec \ub9e4\uc785 \uc740\ud589\uacfc \uc9c1\uc811 \ub3c4\ud0b9\ud558\uc5ec \ucd5c\uc801\uc758 \uc694\uc728\uc744 \uc5bb\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. 2024\ub144\ubd80\ud130 BNM\uc5d0 \uc758\ubb34\ud654\ub420 \uc0c8\ub85c\uc6b4 \ub3d9\uc801 \uc11c\uba85 \ud655\uc778(DSVA) \uaddc\uc815\uc5d0 \ud2b9\ud788 \uc8fc\uc758\ud558\uc138\uc694.<\/p>\n<p>\ud604\uc7ac \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc740\ud589 \uce74\ub4dc \ucee4\ubc84\ub9ac\uc9c0\uac00 35%\uc5d0 \ubd88\uacfc\ud55c \uac83\uc774 \ubb38\uc81c\uc774\uba70, \uc774\ub85c \uc778\ud574 GCash\uc640 \uac19\uc740 \ud574\uc678 \uc9c0\uac11\uc774 \uc624\ud504\ub77c\uc778 \uc5d0\uc774\uc804\ud2b8 \ub124\ud2b8\uc6cc\ud06c \uad6c\ucd95\uc5d0 \ubc15\ucc28\ub97c \uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc740 \ud604\uc7ac 12%\uc5d0\uc11c 2026\ub144\uae4c\uc9c0 28%\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uc758 \ubc1c\uc804\ub41c \uce21\uba74\uc744 \uacc4\uc18d \ud0d0\uad6c\ud558\ub294 \uac00\uc6b4\ub370, \uae30\uc220\uc801\uc778 \uae4a\uc774\uc640 \uc2dc\uc7a5 \uc778\uc0ac\uc774\ud2b8\ub97c \ub354\ud55c \ud655\uc7a5\ub41c \ubd84\uc11d\uc744 \uc18c\uac1c\ud569\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>7. \uacc4\uce35\ud654\ub41c \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uacb0\uc81c \ubcf4\uae09\ub960 \ucc28\uc774<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\uc601\uc5ed \uc720\ud615<\/th>\n<th>\uc804\uc790 \uc9c0\uac11 \uc0ac\uc6a9\ub960<\/th>\n<th>\uc740\ud589 \uacc4\uc88c \ubc94\uc704<\/th>\n<th>\ud604\uae08 \uac70\ub798 \ube44\uc728<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>KL\/\uc140\ub791\uace0\ub974<\/td>\n<td>78%<\/td>\n<td>91%<\/td>\n<td>&lt;15%<\/td>\n<\/tr>\n<tr>\n<td>\ub3d9\ubd80 \ud574\uc548 3\uac1c \uc8fc<\/td>\n<td>43%<\/td>\n<td>62%<\/td>\n<td>~35%<\/td>\n<\/tr>\n<tr>\n<td>\ub9d0\ub808\uc774\uc2dc\uc544 \ub3d9\ubd80<\/td>\n<td>29%<\/td>\n<td>48%<\/td>\n<td>&gt;50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>\uc9c0\ub9ac\uc801 \uc804\ub7b5 \uad8c\uc7a5 \uc0ac\ud56d<\/strong>\uadf8\ub7a9\ud398\uc774\ub294 '\uc5d0\uc774\uc804\ud2b8 \ud604\uae08 \ucda9\uc804 \ud3ec\uc778\ud2b8 + \uac04\ud3b8 \uc571'\uc744 \ubc30\ud3ec\ud574\uc57c \ud558\ub294 \ub9d0\ub808\uc774\uc2dc\uc544 \ub3d9\ubd80 \uc9c0\uc5ed\uc758 \uc138\ube10\uc77c\ub808\ube10 \uc624\ud504\ub77c\uc778 \ucda9\uc804 \ub124\ud2b8\uc6cc\ud06c\ub97c \ud1b5\ud574 \ubcf4\uae09\ub960\uc744 271%\uae4c\uc9c0 \uc131\uacf5\uc801\uc73c\ub85c \ub192\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<h3><strong>8. B2B \uc218\uc9c1 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8<\/strong><\/h3>\n<ul>\n<li><strong>\uc0c1\ud488 \uac70\ub798<\/strong>\ud31c\uc720 \ubc0f \uae30\ud0c0 \uc0c1\ud488 \uac70\ub798\uc758 T+1 \uacb0\uc81c\ub97c \uc704\ud55c \uba54\uc774\ubc45\ud06c\uc758 \"MEPS + \ube14\ub85d\uccb4\uc778 \uc2e0\uc6a9\uc7a5\" \uacb0\ud569 \uc194\ub8e8\uc158<\/li>\n<li><strong>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4<\/strong>::\n<ul>\n<li>\ub77c\uc790\ub2e4 \uacf5\uc2dd \ud30c\ud2b8\ub108\uc778 AllPay\ub294 6\uac1c \ud1b5\ud654(\ub9c1\uae43 \ud574\uc678 \uacb0\uc81c CNH\/MYR \ud3ec\ud568)\uc758 \uc9c1\uc811 \ubcc0\ud658\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>Shopify \ud604\uc9c0\ud654 \uc194\ub8e8\uc158\uc5d0 DuitNow QR \ubc0f \ubd80\uc2a4\ud2b8 \ud560\ubd80\uac00 \ud1b5\ud569\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ud560\ub784 \uc0b0\uc5c5<\/strong>\uad50\ud68c\uc758 \uac00\ub974\uce68\uc5d0 \ubd80\ud569\ud558\uc9c0 \uc54a\ub294 \ud310\ub9e4\uc790 \uce74\ud14c\uace0\ub9ac\ub97c \uc790\ub3d9\uc73c\ub85c \ud544\ud130\ub9c1\ud558\ub294 \uc0e4\ub9ac\uc544\ub97c \uc900\uc218\ud558\ub294 \ud398\uc774\uba3c\ud2b8\uc6d4 \ud2b9\ubcc4 \ucc44\ub110\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. \uc624\ud508 API \uc9c4\ud589 \uc0c1\ud669 \ubc0f \uc0ac\ub840<\/strong><\/h3>\n<p>BNM\uc758 \uc624\ud508 \ubc45\ud0b9 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \uc774\uc81c 3\ub2e8\uacc4\uc5d0 \uc811\uc5b4\ub4e4\uc5c8\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD<br>\r\n    A [\uc0ac\uc6a9\uc790 \uc778\uc99d] --&gt; B (\uacc4\uc815 \ub370\uc774\ud130\uc5d0 \ub300\ud55c \uc81c3\uc790 \uc561\uc138\uc2a4)<br>\r\n    B --&gt; C{API \uc720\ud615}<br>\r\n    C --&gt; D [\uacb0\uc81c \uc2dc\uc791]<br>\r\n    C --&gt; E [\uc794\uc561 \uc870\ud68c]<br>\r\n    C --&gt; F [\uac70\ub798 \ub0b4\uc5ed]<br>\r\n    <br>\r\n\uc2e4\uc81c \uc801\uc6a9 \uc0ac\ub840:<br>\r\n- OCBC\uc758 \uac1c\ubc29\ud615 API\ub97c \ud1b5\ud574 \uc2e4\uc2dc\uac04 \uc2e0\uc6a9 \uc810\uc218\ub97c \uc81c\uacf5\ud558\ub294 BigPay<br>\r\n- \ud0a4\ud50c\ud398\uc774, \uad50\uc721 \ubd84\uc57c '\ud559\ubd80\ubaa8-\ud559\uad50' \uc790\ub3d9\uc774\uccb4 \uc2dc\uc2a4\ud15c \uac1c\ubc1c<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>10. AML\/CTF \ud2b9\ubcc4 \uc694\uad6c \uc0ac\ud56d \ub9e4\ud2b8\ub9ad\uc2a4<\/strong><\/h3>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uaddc\uc815\uc5d0\ub294 \ub3c5\ud2b9\ud55c \uc870\ud569\uc758 \uaddc\uce59\uc774 \uc874\uc7ac\ud569\ub2c8\ub2e4:<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc694\uad6c \uc0ac\ud56d<\/th>\n<th>\uad6c\ud604 \uc608\uc2dc<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\uc5c4\uaca9\ud55c \ucd5c\uc885 \uc218\uc775 \uc18c\uc720\uc790(UBO) \ud655\uc778<\/em><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uc794\uc561\uc774 RM5000 \uc774\uc0c1\uc778 \ubaa8\ub4e0 \uc804\uc790\uc9c0\uac11\uc5d0\ub294 \ud68c\uc0ac \ub4f1\ub85d\uc99d(SSM)\uacfc \uc774\uc0ac\uc758 \uc2e0\ubd84\uc99d \uc0ac\ubcf8\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\ud574\uc678 \uacb0\uc81c\ub97c \uc704\ud55c \uc9c0\uc5ed \ucc28\ub2e8<\/em><br \/>\n\uc0ac\ub77c\uc641\uc5d0\uc11c \uc778\ub3c4\ub124\uc2dc\uc544\ub85c \uc1a1\uae08\ud558\ub294 \uacbd\uc6b0 \ucd94\uac00 BMMO \uc2e0\uace0\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p><em>\ud560\ub784 \uaddc\uc815 \uc900\uc218 \uc2ec\uc0ac<\/em><br \/>\n\uc694\uc2dd\uc5c5\uacfc \uad00\ub828\ub41c \uacb0\uc81c \ud750\ub984\uc740 \uc790\ub3d9\uc73c\ub85c JAKIM \ud560\ub784 \uc778\uc99d \ub370\uc774\ud130\ubca0\uc774\uc2a4\uc640 \ube44\uad50\ub429\ub2c8\ub2e4.<\/p>\n<hr>\n<h3><strong>11. \ud1a0\ud070\ud654 \uae30\uc220 \ub3c4\uc785 \ud604\ud669<\/strong><\/h3>\n<p>Visa\uc758 \ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ub9d0\ub808\uc774\uc2dc\uc544\ub294 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uce74\ub4dc \ud1a0\ud070\ud654 \ube44\uc728\uc774 \uac00\uc7a5 \ub192\uc740 \uad6d\uac00(41%)\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><em>\ud130\uce58 \uc564 \uace0 NFC \ucc28\ub7c9\uc6a9 \ud328\uce58<\/em>: RFID \ud1b5\ud589\ub8cc \uacb0\uc81c\uc640 \uba54\uc778 \uc9c0\uac11\uc744 \ubd84\ub9ac\ud55c \uc548\uc804\ud55c \ub514\uc790\uc778<\/li>\n<li><em>\uac00\uc0c1 \uce74\ub4dc \ubc88\ud638 \ud480 \uac00\uc838\uc624\uae30<\/em>\ub3d9\uc801\uc73c\ub85c \uc0dd\uc131\ub418\ub294 \uce74\ub4dc \ubc88\ud638 \uae30\uc220\ub85c \uc2a4\ud0a4\ubc0d \ube44\uc728 \uac10\uc18c 63%<\/li>\n<li><em>\uc774\uc2ac\ub78c \ucc44\uad8c(\uc218\ucfe0\ud06c)\uc758 \ub514\uc9c0\ud138\ud654<\/em>: \ubb34\uc544\ub9d0\ub78f \uc740\ud589, \ube14\ub85d\uccb4\uc778 \ud1a0\ud070\uc744 \ud1b5\ud55c \uccab \ub9c8\uc774\ud06c\ub85c \uc218\ucfe0\ud06c \ud22c\uc790 \uc0c1\ud488 \ubc1c\ud589<\/li>\n<\/ul>\n<hr>\n<h3><strong>12. \uc0c8\ub85c\uc6b4 \uc704\ud611 \ubc0f \uc194\ub8e8\uc158<\/strong><\/h3>\n<p>\ucd5c\uadfc\uc5d0 \ubc1c\uc0dd\ud55c \uc77c\ubc18\uc801\uc778 \uc704\ud5d8\uacfc \uc774\ub97c \ud574\uacb0\ud558\uae30 \uc704\ud55c \uc635\uc158\uc5d0 \ub300\ud574 \uc124\uba85\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-diff\">+ \"\uac00\uc9dc \ub4c0\uc787\ub098\uc6b0 \uc804\uc1a1 \uc2a4\ud06c\ub9b0\uc0f7 \uc0ac\uae30\"<br>\r\n\ud574\uacb0 \ubc29\ubc95: \ud310\ub9e4\uc790\ub294 BNM\uc758 \uacf5\uc2dd \"\ud551 \ud655\uc778 \uc11c\ube44\uc2a4\"\uc5d0 \uc561\uc138\uc2a4\ud558\uc5ec \ud06c\ub808\ub527 \uc0c1\ud0dc\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<br>\r\n<br>\r\n+ \"\uc804\uc790\uc9c0\uac11 SIM \ud558\uc774\uc7ac\ud0b9 \uacf5\uaca9\"<br>\r\n\uc608\ubc29 \uc870\uce58: \uc9c0\ubb38 + \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd 2\ub2e8\uacc4 \uc778\uc99d(eKYC \ud504\ub85c\uc138\uc2a4 \ubc14\uc778\ub529 \uc7a5\uce58) \uc0ac\uc6a9 \uad8c\uc7a5<br>\r\n<br>\r\n! \"\uad6d\uacbd \uac04 \uc138\uae08 \ucc28\uc775 \uac70\ub798\uc758 \ud5c8\uc810\"<br>\r\n\uacbd\uace0 \uc0ac\ub840: \uc77c\ubd80 \ud50c\ub7ab\ud3fc\uc774 \ub77c\ubd80\uc548 IBFC \uc815\ucc45 \ucc28\uc774\ub97c \uc774\uc6a9\ud558\uc5ec LHDN\uc5d0 \uacfc\uc138(2023\ub144 \ucd1d 1\uc5b5 2\ucc9c\ub9cc \ub9c1\uae43)\ub97c \ubd80\uacfc\ud558\ub294 \uacbd\uc6b0<br>\r\n<\/code><\/pre>\n<p>\ud2b9\uc815 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