{"id":3032,"date":"2025-05-25T18:58:29","date_gmt":"2025-05-25T10:58:29","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3032"},"modified":"2025-05-25T18:58:29","modified_gmt":"2025-05-25T10:58:29","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e5%af%b9%e5%ae%a2%e6%88%b7%e4%bd%93%e9%aa%8c%e7%9a%84%e5%bd%b1%e5%93%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/25\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e5%af%b9%e5%ae%a2%e6%88%b7%e4%bd%93%e9%aa%8c%e7%9a%84%e5%bd%b1%e5%93%8d\/","title":{"rendered":"\uacb0\uc81c \uc218\ub2e8\uc774 \ud30c\ud0a4\uc2a4\ud0c4\uc758 \uace0\uac1d \uacbd\ud5d8\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"

\ud30c\ud0a4\uc2a4\ud0c4\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \ube60\ub974\uac8c \uc9c4\ud654\ud558\uace0 \uc788\uc9c0\ub9cc \uc778\ud504\ub77c, \uae08\uc735 \ubcf4\uae09\ub960, \uaddc\uc81c \ud658\uacbd\uc73c\ub85c \uc778\ud574 \uace0\uac1d \uacbd\ud5d8\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \ubcf5\uc7a1\ud558\ub2e4\ub294 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc601\ud5a5\uacfc \ucd5c\uc801\ud654\ub97c \uc704\ud55c \ubc29\ud5a5\uc740 \uc544\ub798\uc5d0\uc11c \uc8fc\uc694 \uce21\uba74\ubcc4\ub85c \ubd84\uc11d\ub429\ub2c8\ub2e4:<\/p>\n

\n

I. \ud604\uc0c1 \uc720\uc9c0\uac00 \uace0\uac1d \uacbd\ud5d8\uc5d0 \ubbf8\uce58\ub294 \ud575\uc2ec \uc601\ud5a5<\/strong><\/h3>\n
    \n
  1. \n

    \ud604\uae08 \uc758\uc874\ub3c4\uc640 \ub514\uc9c0\ud138 \uaca9\ucc28<\/strong><\/p>\n

      \n
    • \uc544\ud508 \uc9c0\uc810<\/strong>\uc778\uad6c\uc758 \uc57d 601\uc870 3\ucc9c\uc5b5 \uba85\uc774 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uc9c0 \ubabb\ud558\uace0 \uc788\uc73c\uba70(\uc138\uacc4\uc740\ud589 \ub370\uc774\ud130), \ud604\uae08 \uac70\ub798\ub294 \ube44\ud6a8\uc728\uc131\uc744 \ucd08\ub798\ud569\ub2c8\ub2e4(\uc608: \uc804\uc790\uc0c1\uac70\ub798 COD \uc810\uc720\uc728\uc740 701\uc870 3\ucc9c\uc5b5 \uc774\uc0c1, \ubc18\ud488\ub960\uc740 301\uc870 3\ucc9c\uc5b5\uc5d0 \ub2ec\ud568).<\/li>\n
    • \uae30\ud68c<\/strong>\ubaa8\ubc14\uc77c \uc9c0\uac11 \uc0ac\uc6a9\uc790 5\ucc9c\ub9cc \uba85 \ub3cc\ud30c(\uc7ac\uc988\uce90\uc2dc\/\uc774\uc9c0\ud30c\uc774\uc0ac), KYC \uac04\uc18c\ud654 \uc774\ud6c4 \uc2f1\ud06c \uc2dc\uc7a5\uc774 \ud06c\uac8c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \uc138\ubd84\ud654\ub41c \uacb0\uc81c \uc635\uc158\uc758 \uc778\uc9c0\uc801 \ubd80\ub2f4<\/strong><\/p>\n

        \n
      • \uc740\ud589 \uc1a1\uae08, \uc804\uc790\uc9c0\uac11, QR\ucf54\ub4dc \uacb0\uc81c(\uc608: \uc54c\ub9ac\ud398\uc774 + \ud604\uc9c0\ud654\ub41c \ud30c\ud2b8\ub108\uc2ed), BNPL \uc11c\ube44\uc2a4(\ud6c4\ubd88) \ub4f1\uc774 \ub3d9\uc2dc\uc5d0 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc5d0 \uc911\uc18c\ud615 \ud310\ub9e4\uc790\ub294 \uc634\ub2c8\ucc44\ub110 \uad6c\ub9e4\ub97c \ud1b5\ud569\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ub9c8\ucc30 \ube44\uc6a9<\/strong><\/p>\n

          \n
        • \uc1a1\uae08\uc740 \uae30\uc874 \ucc44\ub110(\uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628 \uc218\uc218\ub8cc\ub294 5-7%\uc5d0 \ub2ec\ud568)\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc73c\uba70, \ub9ac\ud50c\uacfc \uac19\uc740 \ube14\ub85d\uccb4\uc778 \uc194\ub8e8\uc158\uc740 \uc544\uc9c1 \ud655\uc7a5\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
        • \n

          \uc2e0\ub8b0 \ubc0f \ubcf4\uc548 \ubcd1\ubaa9 \ud604\uc0c1<\/strong><\/p>\n

            \n
          • 2022\ub144 \ud30c\ud0a4\uc2a4\ud0c4 \uc911\uc559\uc740\ud589 \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74 \uc0ac\uae30 \uc704\ud5d8\uc73c\ub85c \uc778\ud574 \ubaa8\ubc14\uc77c \uacb0\uc81c\ub97c \uac70\ubd80\ud55c \uc0ac\uc6a9\uc790\uac00 45%\uc5d0 \ub2ec\ud574 \uc0dd\uccb4 \uc778\uc99d(\uc608: UBL\uc758 \uc9c0\ubb38 \uacb0\uc81c)\uc744 \uac15\ud654\ud574\uc57c \ud55c\ub2e4\uace0 \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
            \n

            II. \uc0b0\uc5c5 \ucc28\ubcc4\ud654 \uc0ac\ub840<\/strong><\/h3>\n
              \n
            • \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc<\/strong>(\ub2e4\ub77c\uc988): \uc120\ubd88 \uc2dc\uc2a4\ud15c\uc778 '\ub2e4\ub77c\uc988 \uc6d4\ub81b'\uc744 \ucd9c\uc2dc\ud558\uc5ec COD \uc804\ud658\uc728\uc744 181 TP3T \uc99d\uac00\uc2dc\ucf30\uc2b5\ub2c8\ub2e4;<\/li>\n
            • \uae08\uc735 \uc11c\ube44\uc2a4<\/strong><\/em>: \uc5d0\uc774\uc804\ud2b8 \ub9e4\uc7a5\uc744 \ud1b5\ud574 \uc989\uc2dc \uc785\uae08\ud560 \uc218 \uc788\ub294 HBL \uc5f0\uacb0;<\/li>\n
            • \uad6d\uc601 \uae30\uc5c5<\/strong><\/em>KE Electric\uc758 \uc54c\ub9ac\ud398\uc774 \ub3c4\uc785\uc73c\ub85c \uc911\uad6d \ucee4\ubba4\ub2c8\ud2f0 \uc694\uae08 \ub0a9\ubd80 \uc2dc\uac04\uc774 80% \ub2e8\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n
              \n

              \uacbd\ub85c \ucd5c\uc801\ud654\ub97c \uc704\ud55c \uc81c\uc548 \uc0ac\ud56d<\/strong><\/h3>\n
                \n
              1. \uc815\ucc45 \uc218\uc900<\/strong>: \uac00\uc18dRaast<\/em>\uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \uc815\ubd80 \uc9c0\uae09 \uc2dc\ub098\ub9ac\uc624(\uc608: \uc0ac\ud68c \ubcf4\uc7a5 \uc9c0\ucd9c)\ub97c \ucc98\ub9ac\ud558\uace0 \ud604\uae08 \uc8fc\uae30\ub97c \ub2e8\ucd95\ud569\ub2c8\ub2e4;<\/li>\n
              2. \uae30\uc220 \uacc4\uce35<\/em>\uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uac00 \ub514\uc9c0\ud138 \uceec\ub809\uc158\uc5d0 \ube60\ub974\uac8c \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub3c4\ub85d \ub85c\uc6b0\ucf54\ub4dc API \ud234\ud0b7(\uc608: \ud154\ub808\ub178\uc5b4 \uc740\ud589\uc758 \uc544\uc0b0 \ubaa8\ubc14\uc77c \uc571 SDK)\uc744 \ud64d\ubcf4\ud558\uc138\uc694;<\/li>\n
              3. \uc0ac\uc6a9\uc790 \uad50\uc721<\/em>:: \uc774\uc2ac\ub78c \uc0ac\uc6d0\/\ucee4\ubba4\ub2c8\ud2f0 \uc13c\ud130\uc640 \uc5f0\uacc4\ud55c \ub514\uc9c0\ud138 \uae08\uc735 \uc774\ud574\ub825 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \ub178\ub144\uce35\uc758 \uc0ac\uc6a9 \uc7a5\ubcbd\uc744 \ud574\uacb0\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n
                \n

                IV. [\uc8fc\uc694 \uacb0\uacfc]<\/h3>\n

                \ud30c\ud0a4\uc2a4\ud0c4\uc740 \"\ud558\uc774\ube0c\ub9ac\ub4dc \uae08\uc735 \uc0dd\ud0dc\uacc4\"\ub97c \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4:
                \n \\text{\uace0\uac1d \uacbd\ud5d8 \ud5a5\uc0c1} = \\frac{\\text{(\ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uc778\ud504\ub77c + \uad6d\uac00 \uac04 \uc0c1\ud638 \uc5f0\uacb0) \u00d7 \uc2e0\ub8b0 \uba54\ucee4\ub2c8\uc998}}{\\text{\uae30\uc220 \uace0\ub3c4\ud654}} <\/x-equation>
                \n\ud5a5\ud6c4 3\ub144\uc758 \ud575\uc2ec\uc740 \ud1b5\uc2e0 \uc740\ud589 \ub124\ud2b8\uc6cc\ud06c\uc640 \uc911\uc559\uc740\ud589\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0 \uc2dc\ubc94 \uc6b4\uc601(PBOC \ud611\ub825 \ucc3d\uad6c)\uc758 \ud655\uc7a5\uc774 \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

                V. \uacb0\uc81c \uc0dd\ud0dc\uacc4 \uc2ec\ud654\ub97c \uc704\ud55c \uc8fc\uc694 \ub808\ubc84\ub9ac\uc9c0 \ud3ec\uc778\ud2b8<\/strong><\/h3>\n

                1. \uc5d0\uc774\uc804\ud2b8 \ubc45\ud0b9 \ub124\ud2b8\uc6cc\ud06c \ud655\uc7a5<\/strong><\/h4>\n
                  \n
                • \ud604\uc0c1 \uc720\uc9c0<\/strong>\ud30c\ud0a4\uc2a4\ud0c4\uc5d0\uc11c\ub294 \uc57d 16\uac1c \uc740\ud589\ub9cc\uc774 \uc57d 50\ub9cc \uac1c\uc758 \uc9c0\uc810(SBP \ub370\uc774\ud130)\uc744 \ucee4\ubc84\ud558\ub294 \ud1b5\uc2e0\ub9dd\uc744 \uc6b4\uc601\ud558\uace0 \uc788\uc9c0\ub9cc, \ub18d\ucd0c \ubcf4\uae09\ub960\uc740 \uc5ec\uc804\ud788 30% \ubbf8\ub9cc\uc785\ub2c8\ub2e4.<\/li>\n
                • \ucd5c\uc801\ud654 \ubc29\ud5a5<\/strong>::\n
                    \n
                  • \uc138\uae08 \uac10\uba74 \ud61c\ud0dd\uc744 \ud1b5\ud574 \ubbfc\uac04 \uc740\ud589\uc774 \ub300\ub9ac\uc810 \uc704\uce58\ub97c \ud655\uc7a5\ud558\ub3c4\ub85d \uc7a5\ub824\ud569\ub2c8\ub2e4(\uc608: UBL Omni\ub294 \uc678\ub534 \uc9c0\uc5ed\uc5d0\uc11c \ud604\uae08 \uc561\uc138\uc2a4 + \uccad\uad6c\uc11c \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5);<\/li>\n
                  • \ubaa8\ubc14\uc77c \ucda9\uc804, \uc1a1\uae08, \uc18c\uc561 \uae08\uc735\uc744 \ud1b5\ud569\ud558\uc5ec \uc6b0\uccb4\uad6d(\ud30c\ud0a4\uc2a4\ud0c4 \uc6b0\uccb4\uad6d)\uc744 \uae08\uc735 \ud3ec\uc6a9 \ud5c8\ube0c\ub85c \uc804\ud658\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                    2. BNPL\uc758 \ud604\uc9c0\ud654\ub41c \uc801\uc6a9(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88)<\/strong><\/h4>\n
                      \n
                    • \uc544\ud508 \uc9c0\uc810<\/strong>\uae30\uc874 \ud560\ubd80\ub294 \ube44\uacf5\uc2dd \uc18c\ub4dd\uc790\ub97c \uc81c\uc678\ud55c \uace0\uae08\ub9ac \uc2e0\uc6a9 \uce74\ub4dc(\uc5f0 28~361%)\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4.<\/li>\n
                    • \uc0ac\ub840 \ub3cc\ud30c\uad6c<\/strong>::\n
                        \n
                      • \ud540\uc790\ub294 \uc758\ub958 \ube0c\ub79c\ub4dc \uce74\uc544\ub514\uc640 \uc81c\ud734\ud558\uc5ec \uae30\ubcf8 \uc774\uc790\uc728\uc774 51% \ubbf8\ub9cc(\uc18c\uc15c \uccb4\uc778 \ub9ac\uc2a4\ud06c \uad00\ub9ac \uae30\uc900)\uc778 '3\uac74 \ud560\ubd80 0% \uc774\uc790'\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4;
                        \n\u2192 \uc218\ud655\ubb3c \uc0c1\ud658 \uc8fc\uae30\ub97c \ubb36\uc5b4 \ub18d\uc5c5 \ud22c\uc785\ubb3c \uc870\ub2ec \uc2dc\ub098\ub9ac\uc624\uc5d0 \ubcf5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n

                        3. CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0)\ub97c \uc704\ud55c \uc804\ub7b5\uc801 \ucc3d\uad6c<\/strong><\/h4>\n\n\n\n\n\n\n
                        \ud504\ub85c\uadf8\ub7a8 \ube44\uad50<\/th>\n\ucd5c\ucca8\ub2e8<\/th>\n\ub178\ucd9c<\/th>\n<\/tr>\n<\/thead>\n
                        \ub3c4\ub9e4 CBDC<\/td>\n\uc740\ud589 \uac04 \uccad\uc0b0\uc758 \ud6a8\uc728\uc131 \ud5a5\uc0c1<\/td>\n\uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ub192\uc740 \uc561\uc138\uc2a4 \uc784\uacc4\uac12<\/td>\n<\/tr>\n
                        \uc18c\ub9e4\uc6a9 CBDC<\/td>\n\uacc4\uc815\uc774 \uc5c6\ub294 \uc0ac\ub78c\uc5d0\uac8c \uc9c1\uc811 \uc561\uc138\uc2a4<\/td>\nUSDT\uc640 \uac19\uc740 \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uc758 \uc9c0\ud558 \uc720\ud1b5\uc5d0 \ub300\uc751\ud574\uc57c \ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

                        \ud30c\ud0a4\uc2a4\ud0c4\uc740 \uc911\uad6d\uc758 \ub514\uc9c0\ud138 \uc704\uc548\ud654 \uc2dc\ubc94 \uc6b4\uc601 \uacbd\ud5d8\uc5d0\uc11c \ubc30\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

                          \n
                        1. \ub300\uc0c1 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/em>BISP \ube48\uace4 \ubcf4\uc870\uae08\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\uace0 \uc911\uac04 \uacf5\uc81c\ub97c \uc5c6\uc571\ub2c8\ub2e4;<\/li>\n
                        2. \uae30\uc220 \uc911\ub9bd\uc131<\/em>\ub0ae\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 NFC \ud734\ub300\ud3f0 \ubc0f SIM \uce74\ub4dc \ud558\ub4dc \uc9c0\uac11\uacfc \ud638\ud658\ub429\ub2c8\ub2e4.<\/li>\n<\/ol>\n
                          \n

                          VI. \uad6d\uacbd \uac04 \uacb0\uc81c\ub97c \uc704\ud55c \ud68d\uae30\uc801\uc778 \uc804\ub7b5<\/strong><\/h3>\n
                            \n
                          1. \uc911\uad6d-\ud30c\ud0a4\uc2a4\ud0c4 \uacbd\uc81c\ud68c\ub791 CPEC\uc758 \uacb0\uc81c \uc2dc\ub108\uc9c0 \ud6a8\uacfc<\/strong><\/em>\n
                              \n
                            • \uacfc\ub2e4\ub974 \ud56d\uad6c\uc5d0 \uc788\ub294 \uc911\uad6d \uae30\uc5c5\ub4e4\uc740 2,000\uba85 \uc774\uc0c1\uc758 \uc9c1\uc6d0\uc744 \ub450\uace0 \uc788\uc9c0\ub9cc \uae09\uc5ec \uc1a1\uae08\uc740 \uadf8\ub808\uc774 \ucc44\ub110\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
                              \n\u2192 \uc2e4\uc2dc\uac04 \uc704\uc548\ud654-\ub8e8\ud53c \ud658\uc804\uc744 \uc704\ud574 \uc720\ub2c8\uc628\ud398\uc774\uc640 1Link(\ud30c\ud0a4\uc2a4\ud0c4 \ud604\uc9c0 \uc2a4\uc704\uce6d \ub124\ud2b8\uc6cc\ud06c)\uc758 \uc0c1\ud638 \uc5f0\uacb0\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4;<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

                              2.\ud574\uc678 \uac70\ub798\uc18c \ube14\ub85d\uccb4\uc778 \uccb4\ud5d8\ud310<\/strong>
                              \n\ud30c\uc77c\ub7ff \ud504\ub85c\uc81d\ud2b8 \uacbd\ub85c:<\/p>\n

                              [\ub450\ubc14\uc774 \ub178\ub3d9] --(\uc2a4\ud154\ub77c \ud504\ub85c\ud1a0\ucf5c) --> [JS \uc740\ud589 \ube14\ub85d\uccb4\uc778 \ub178\ub4dc] --\uc790\ub3d9 \ubcc0\ud658 --> [\uc885\uc18d \ubaa8\ubc14\uc77c \uc9c0\uac11].
                              \r\n                    \u2193
                              \r\n               \ucde8\uae09 \uc218\uc218\ub8cc 7% \u2192 1.5%
                              \r\n<\/code><\/pre>\n
                              \n
                              VII. [\uace0\uac1d \uacbd\ud5d8 \uace0\ub3c4\ud654\ub97c \uc704\ud55c \ub85c\ub4dc\ub9f5]
                              \n3\ub2e8\uacc4\ub85c \uad6c\ud604\ub429\ub2c8\ub2e4:<\/p>\n\n\n\n\n\n\n\n\n\n
                              \ud3ec\uc778\ud2b8<\/th>\n\ubaa9\ud45c<\/th>\n\uc8fc\uc694 \uc791\uc5c5<\/th>\n<\/tr>\n<\/thead>\n
                              \ub2e8\uae30(2024\ub144)<\/td>\nCOD \uc758\uc874\uc131 \uac10\uc18c<\/td>\n- \ub2e4\ub77c\uc988, \uc120\ubd88 \uc8fc\ubb38 \uc2dc 5% \ud560\uc778 \ud61c\ud0dd \uc81c\uacf5<\/td>\n<\/tr>\n
                              <\/td>\n- \uc74c\uc131 \uc548\ub0b4 \uacb0\uc81c \uae30\ub2a5\uc744 \ucd94\uac00\ud55c JazzCash<\/td>\n<\/td>\n<\/tr>\n
                              \uc911\uae30(2025\ub144)<\/td>\n\uc624\ud508 \ubc45\ud0b9 \ud45c\uc900 \uc218\ub9bd<\/td>\n- SBP \ud544\uc218 API \ud45c\uc900\ud654(UPI \uc778\ub3c4 \ucc38\uc870)<\/td>\n<\/tr>\n
                              <\/td>\n- OPay, \ud604\uc9c0 \uc804\uc790\uc9c0\uac11 \uc778\uc218\ub85c \ud1b5\ud569 \uac00\uc18d\ud654<\/td>\n<\/td>\n<\/tr>\n
                              \uc7a5\uae30(2026\ub144)<\/td>\n\uc9c0\uc5ed \ub514\uc9c0\ud138 \ud5c8\ube0c \ub418\uae30<\/td>\n- CBDC, \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc640\uc758 \uc11d\uc720 \ubb34\uc5ed \uacb0\uc81c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                              \n
                              VIII. \uc704\ud5d8 \ud5e4\uc9c0 \uad8c\uc7a5 \uc0ac\ud56d
                              \n\ud30c\ud0a4\uc2a4\ud0c4 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\ub294 \uae30\uc5c5\uc740 '\ub4c0\uc5bc \ud2b8\ub799 \uc2dc\uc2a4\ud15c'\uc744 \uad6c\uc131\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n
                              \uadf8\ub798\ud504 LR
                              \r\nA [\ub3c4\uc2dc \uc0ac\uc6a9\uc790] --> B [\uc634\ub2c8\ucc44\ub110 \ub514\uc9c0\ud138 \uacb0\uc81c]
                              \r\nA --> C [\uc5d0\uc774\uc804\ud2b8 \ud604\uae08 \ubcf5\uad6c \ub178\ub4dc]
                              \r\nD [\uc2dc\uace8 \uc0ac\uc6a9\uc790] --> E [SMS\/USSD \uae30\ubcf8 \uc11c\ube44\uc2a4]
                              \r\nD --> F [\ud604\uae08 \uacb0\uc81c + \ucda9\uc804 \ud3ec\uc778\ud2b8]
                              \r\n<\/code><\/pre>\n
                              \ucd5c\uc885 \uace0\uac1d \uacbd\ud5d8 \uacf5\uc2dd\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \uc9c4\ud654\ud588\uc2b5\ub2c8\ub2e4:
                              \n\\text{\uc131\uacf5 \ud655\ub960} = \\frac{\\text{\uc815\ucc45 \uc548\uc815\uc131} \\times \\text{\ud604\uc9c0 \ud30c\ud2b8\ub108\uc758 \ud488\uc9c8}}{\\text{\ud658\uc728 \ubcc0\ub3d9\uc131 \uc9c0\uc218}}\uc785\ub2c8\ub2e4.<\/x-equation><\/p>","protected":false},"excerpt":{"rendered":"
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