{"id":3040,"date":"2025-05-25T18:58:43","date_gmt":"2025-05-25T10:58:43","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3040"},"modified":"2025-05-25T18:58:43","modified_gmt":"2025-05-25T10:58:43","slug":"%e6%8a%95%e8%b5%84%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%ef%bc%9a%e6%9c%ba%e4%bc%9a%e4%b8%8e%e9%a3%8e%e9%99%a9%e5%b9%b6%e5%ad%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/25\/%e6%8a%95%e8%b5%84%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%ef%bc%9a%e6%9c%ba%e4%bc%9a%e4%b8%8e%e9%a3%8e%e9%99%a9%e5%b9%b6%e5%ad%98\/","title":{"rendered":"\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ud22c\uc790\ud558\uae30: \uae30\ud68c\uc640 \ub9ac\uc2a4\ud06c"},"content":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144\uac04 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uc5ec \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \uc720\ub9dd\ud55c \ub514\uc9c0\ud138 \uae08\uc735\uc758 \uaca9\uc804\uc9c0\ub85c \ubd80\uc0c1\ud588\uc2b5\ub2c8\ub2e4. \ud22c\uc790\uc790\uc640 \ud574\uc678 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc788\uc5b4 \uc774 \uc2dc\uc7a5\uc740 \uae30\ud68c\uc640 \uace0\uc720\ud55c \uacfc\uc81c\ub97c \ub3d9\uc2dc\uc5d0 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc544\ub798\uc5d0\uc11c \uc8fc\uc694 \uce21\uba74\uc5d0 \ub300\ud55c \ubd84\uc11d\uc744 \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<p>I. \ud575\uc2ec \uc131\uc7a5 \ub3d9\ub825<\/p>\n<ol>\n<li>\uc778\uad6c \ud1b5\uacc4\ud559\uc801 \ubc30\ub2f9\uacfc \ub514\uc9c0\ud138 \ubb3c\uacb0<\/li>\n<\/ol>\n<ul>\n<li>1\uc5b5 1,400\ub9cc \uba85 \uc911 701\ub9cc \uba85\uc740 35\uc138 \ubbf8\ub9cc\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 68%, \uc5f0\uac04 \uc131\uc7a5\ub960 12% \ub2ec\uc131<\/li>\n<li>\ucf54\ub85c\ub09819 \uc774\ud6c4 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790\uac00 3,001%(4,500\ub9cc \uba85\uc73c\ub85c) \uae09\uc99d\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc815\ucc45\uc758 \ub3d9\ud48d\uc5d0 \ud798\uc785\uc5b4<\/li>\n<\/ol>\n<ul>\n<li>\ubc29\ucf54\uc13c\ud2b8\ub7f4, \"\ub514\uc9c0\ud138 \uacb0\uc81c \ud601\uc2e0 \ub85c\ub4dc\ub9f5\" \ucd94\uc9c4<\/li>\n<li>2023\ub144 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc73c\ub85c \ube44\uc740\ud589 \uae30\uad00\uc758 \uc804\uc790 \ud654\ud3d0 \ubc1c\ud589 \ud5c8\uc6a9<\/li>\n<li>QR Ph \uad6d\uac00 QR\ucf54\ub4dc \ud45c\uc900 \uc801\uc6a9 \ubc94\uc704\uac00 85%\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>II. \uc804\ub7b5\uc801 \uae30\ud68c\uc758 \ucc3d<br \/>\n- \uc18c\uc15c \uacb0\uc81c \uc0dd\ud0dc\uacc4 \uad6c\ucd95: GCash\ub294 \uadf8\ub7a9 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud588\uace0, PayMaya\ub294 \ud398\uc774\uc2a4\ubd81 \ud398\uc774\uc5d0 \uc561\uc138\uc2a4\ud569\ub2c8\ub2e4.<br \/>\n- B2B \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc194\ub8e8\uc158: \uc911\uad6d\uacfc \ud544\ub9ac\ud540\uc758 \ubb34\uc5ed\uc774 \ub9e4\ub144 231%\uc529 \uc99d\uac00\ud558\uba70 \uacb0\uc81c \uc218\uc694\ub97c \ucd09\uc9c4(2023\ub144 1\uc8704\ucc9c97\uc5b5 \ub2ec\ub7ec)\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- \ub18d\ucd0c \uae08\uc735 \ud3ec\uc6a9\uc131: \uc740\ud589 \uacc4\uc88c\ub97c \ubcf4\uc720\ud55c \uc131\uc778\uc740 341\ub9cc 3\ucc9c \uba85\uc5d0 \ubd88\uacfc\ud558\uc9c0\ub9cc \ubaa8\ubc14\uc77c \uc2e0\ud638 \ucee4\ubc84\ub9ac\uc9c0\ub294 921\ub9cc 3\ucc9c \uba85\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/p>\n<p>III. \uc6b4\uc601 \uc704\ud5d8 \ub9e4\ud2b8\ub9ad\uc2a4(\ud2b9\ubcc4\ud55c \uc8fc\uc758 \ud544\uc694)<br \/>\n||\uaddc\uc81c \ubcf5\uc7a1\uc131|\uc778\ud504\ub77c \ubcd1\ubaa9 \ud604\uc0c1|\ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uc784\uacc4\uac12|<br \/>\n|&#8212;|&#8212;|&#8212;|&#8212;|<br \/>\n| \uc77c\ubc18\uc801\uc778 \uc131\ub2a5 | - \uae34 AML \uac80\ud1a0 \uc8fc\uae30<br \/>- \uc678\uad6d\uc778 \uc18c\uc720\uad8c \uc81c\ud55c | - \uc12c \uc9c0\uc5ed\uc73c\ub85c \uc778\ud574 \uccad\uc0b0\uc774 \uc9c0\uc5f0\ub418\ub294 \uacbd\uc6b0<br \/>- 3G \ub124\ud2b8\uc6cc\ud06c\ub294 \uc5ec\uc804\ud788 35%|- '\uc218\ud0a4' \uc9c0\uc778 \uacbd\uc81c \ubb38\ud654\uac00 \ucc28\uc9c0\ud569\ub2c8\ub2e4.<br \/>- \ube44\uc0ac\uc57c \ubc29\uc5b8 \uace0\uac1d \uc11c\ube44\uc2a4 \uc694\uad6c \uc0ac\ud56d<\/p>\n<p>IV. \uaddc\uc815 \uc900\uc218 \uc6b0\uc120\uc21c\uc704 \uc804\ub7b5 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<ol>\n<li>\n<p>OTC \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \ube44\uc6a9 \ucd5c\uc801\ud654: \uc138\ubd80\uc544\ub098 \ub8e8\uc774\ub9ac\uc5d0\uc640 \uac19\uc740 \ud604\uc9c0 \uc804\ub2f9\ud3ec\uc640\uc758 \uc81c\ud734\ub97c \ud1b5\ud574 \ub9c8\uc9c4 \uc555\ubc15\uc744 \uc904\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p>KYC \ud601\uc2e0 \ud504\ub85c\uadf8\ub7a8:<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>\uc544\uc774\ub808\ubc0b \uc778\uc99d \ubaa8\ub4dc: \ud558\uc774\ube0c\ub9ac\ub4dc \uacf5\uacfc\uae08 \uccad\uad6c\uc11c + \uc0dd\uccb4 \uc778\uc99d(\ud1b5\uacfc\uc728 40% \uc99d\uac00)<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\uc720\ub3d9\uc131 \uad00\ub9ac:<\/li>\n<\/ol>\n<h3><strong>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d(\uacc4\uc18d)<\/strong><\/h3>\n<h4><strong>IV. \uaddc\uc815 \uc900\uc218 \uc6b0\uc120\uc21c\uc704 \uc804\ub7b5\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d(\uacc4\uc18d)<\/strong><\/h4>\n<ol start=\"4\"><\/p>\n<li>\n<p><strong>\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0(AML) \ud604\uc9c0\ud654 \uc801\uc751<\/strong><\/p>\n<ul>\n<li>\ud544\ub9ac\ud540 \uc740\ud589, \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c\uc5d0 \"\uce74\uc9c0\ub178 \uc790\uae08 \ud750\ub984 \uac10\uc9c0 \ubaa8\ub4c8\"\uc744 \ud3ec\ud568\ud558\ub3c4\ub85d \uc694\uad6c (\uc5ed\uc678 \uac8c\uc784 \uc0b0\uc5c5 \ud65c\uc131\ud654\ub85c \uc778\ud574)<\/li>\n<li>\ucc38\uc870 \uc0ac\ub840: PayMaya, \ud544\ub9ac\ud540 \uc624\ub77d \ubc0f \uac8c\uc784 \uacf5\uc0ac(PAGCOR)\uc640 \uc81c\ud734\ud558\uc5ec \uc804\uc6a9 \uc704\ud5d8 \uad00\ub9ac \uc778\ud130\ud398\uc774\uc2a4 \uac1c\ubc1c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub370\uc774\ud130 \uc8fc\uad8c \ub300\uc751 \ud504\ub85c\uadf8\ub7a8<\/strong><\/p>\n<ul>\n<li>2023\ub144 \ub370\uc774\ud130 \ubcf4\ud638\ubc95 \uac1c\uc815\uc5d0 \ub530\ub77c \uacb0\uc81c \ub370\uc774\ud130\ub294 \ucd5c\uc18c 1\uac1c \uc774\uc0c1\uc758 \uad6d\uac00 \ub0b4 \uc0ac\ubcf8\uc5d0 \uc800\uc7a5\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>AWS \ub9c8\ub2d0\ub77c \ub9ac\uc804 \ub610\ub294 PLDT\uc758 Vitro \ub370\uc774\ud130 \uc13c\ud130 \ud638\uc2a4\ud305\uc744 \uace0\ub824\ud558\uc138\uc694.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>V. \uacbd\uc7c1 \ud658\uacbd\uacfc \ucc28\ubcc4\ud654\ub41c \ucc28\ubcc4\ud654 \ud3ec\uc778\ud2b8<\/strong><\/h3>\n<h4><strong>\uae30\uc874 \ud50c\ub808\uc774\uc5b4 \uc804\uc6d0 \ubd84\ubc30<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\ubd84\uc7c1\uc758 \uc591\uce21<\/th>\n<th>\ub300\ud45c \uae30\uc5c5<\/th>\n<th>\uc2dc\uc7a5 \uc810\uc720\uc728<\/th>\n<th>\ud575\uc2ec \uac15\uc810<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\uc9c0\uc5ed \uac70\uc778<\/strong><\/td>\n<td>GCash(\uae00\ub85c\ube0c)<\/td>\n<td>58%<\/td>\n<td>\ud1b5\uc2e0\uc0ac \ud3ec\uc778\ud2b8 \uc2dc\uc2a4\ud15c + \uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc6d0 \ub124\ud2b8\uc6cc\ud06c<\/td>\n<\/tr>\n<tr>\n<td><\/td>\n<td>PayMaya(\ubcf4\uc774\uc800)<\/td>\n<td>32%<\/td>\n<td>\ube44\uc790 \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uce74\ub4dc + \uc815\ubd80 \ubcf4\uc870\uae08 \uc774\uc6a9 \uac00\ub2a5<\/td>\n<\/tr>\n<tr>\n<td><strong>\uad6d\uc81c \uc120\uc218<\/strong><\/td>\n<td>GrabPay<\/td>\n<td>7%    \u00a0<\/td>\n<td>\uc288\ud37c \uc571 \uc7a5\uba74 \uc784\ubca0\ub529         \u00a0\u00a0<\/td>\n<\/tr>\n<tr>\n<td>\uff5c Alipay+<\/td>\n<td>&lt;3%(\ub2e8, \uad6d\uacbd \uac04 \uac70\ub798\uc758 \uacbd\uc6b0 40%)<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>\ud2c8\uc0c8 \uc2dc\uc7a5 \uae30\ud68c<\/strong><\/h4>\n<ol>\n<li><strong>\uc138\ubd84\ud654\ub41c \uc218\uc9c1 \uce68\ud22c<\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong><em>\uc5b4\uc5c5 \uacb0\uc81c<\/em><\/strong>\ud544\ub9ac\ud540 250\ub9cc \uc5b4\ubbfc, \ud604\uc7ac 80% \ud604\uae08 \uac70\ub798 \uc0ac\uc6a9, \uc120\uc0c1 \ub2e8\ub9d0\uae30 \uc7a5\ube44 + \uc704\uc131\ud1b5\uc2e0 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8 \uac1c\ubc1c \uac00\ub2a5<\/li>\n<li><strong><em>\uad50\ud68c \uae30\ubd80\uae08 \ub514\uc9c0\ud138\ud654<\/em><\/strong>: \uac00\ud1a8\ub9ad \uc778\uad6c \uc810\uc720\uc728 861%, \uc804\uc790 \ud5cc\uae08\ud310 \uc2dc\uc2a4\ud15c \uc544\uc9c1 \ubcf4\uae09\ub418\uc9c0 \uc54a\uc74c<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><em><strong>\uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \ubb38\uc81c \ud574\uacb0 \uc194\ub8e8\uc158<\/strong><\/em><\/li>\n<\/ol>\n<ul>\n<li>'\ud398\uc18c - \uc704\uc548\ud654' \uc9c1\uc811 \ub9c1\ud06c \ucd5c\uc801\ud654(\ud604\uc7ac USD \ud658\uc804\uc774 \ud544\uc694\ud568, \uc190\uc2e4 3% - 5%)<\/li>\n<li>OFW(\ud574\uc678 \ud544\ub9ac\ud540 \uadfc\ub85c\uc790) \uc1a1\uae08 \ubd80\uac00 \uc11c\ube44\uc2a4: \uc608: GCash\uc758 \"\uc1a1\uae08 + \ubcf4\ud5d8 \ud328\ud0a4\uc9c0\" \ubaa8\ub378<\/li>\n<\/ul>\n<hr>\n<h3><strong><strong>VI. \uae30\uc220 \uc5f0\ucc29\ub959 \uacfc\uc81c \ubc0f \ube44\uc6a9 \uad00\ub9ac<\/strong><\/strong><\/h3>\n<h4><em><strong>\uc778\ud504\ub77c \ud604\uc2e4 \uc81c\uc57d<\/strong><\/em><\/h4>\n<ol>\n<li>\n<p><em>\ub124\ud2b8\uc6cc\ud06c \ucee4\ubc84\ub9ac\uc9c0\uc758 \ucc28\uc774<\/em>::<\/p>\n<ul>\n<li>\ub8e8\uc190\uc758 LTE \ucee4\ubc84\ub9ac\uc9c0\ub294 751 TP3T\uc774\uc9c0\ub9cc \ubbfc\ub2e4\ub098\uc624\ub294 411 TP3T\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<li>SMS \ucea1\ucc28 \uc804\ub2ec\ub960\uc740 \ud3c9\uade0 89%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4(\uc74c\uc131 OTP \uc194\ub8e8\uc158 \uc635\uc158 \ud544\uc694).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em>\uc804\uae30 \ubd88\uc548\uc815\uc131<\/em>::<\/p>\n<ul>\n<li>\ubbfc\ub2e4\ub098\uc624 \uc9c0\uc5ed\uc758 \ud558\ub8e8 \ud3c9\uade0 \uc815\uc804 \uc2dc\uac04 1.2\uc2dc\uac04, \uc624\ud504\ub77c\uc778 QR\ucf54\ub4dc \uae30\uc220 \ub3c4\uc785 \ud544\uc694\uc131 \ub300\ub450<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h4><em><strong>\ube44\uc6a9 \ucd5c\uc801\ud654 \ub808\ubc84<\/strong><\/em><\/h4>\n<p>\u2705 <em>\uc5d0\uc774\uc804\uc2dc \ub124\ud2b8\uc6cc\ud06c \uc790\uc0b0 \uacbd\ub7c9 \uc6b4\uc601<\/em>711\/\uc628\uac00\uc871 \ud3b8\uc758\uc810 \uacf5\uc720 \ubaa8\ub378 (\ucda9\uc804\ub2f9 0.5%)<br \/>\n\u2705 <em>\uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/em>BSP \ud540\ud14c\ud06c \uc2e4\ud5d8 \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \uc2dc \uc790\ubcf8\uae08 \uc694\uac74 \uc77c\ubd80 \uba74\uc81c<\/p>\n<hr>\n<h3><strong><strong>VII. \ud5a5\ud6c4 3\ub144\uac04 \uc8fc\uc694 \ud2b8\ub80c\ub4dc \uc608\uce21<\/strong><\/strong><\/h3>\n<p>1\ufe0f\u20e3 <em><strong>\uc288\ud37c \uc571 \uc5d0\ucf54 \uc804\uc7c1 \ud655\ub300<\/strong><\/em> - GCash, \uadf8\ub7a9 \ud0dd\uc2dc\/\ud14c\uc774\ud06c\uc544\uc6c3\uc5d0 \uc561\uc138\uc2a4 \uac00\ub2a5, \ub2e4\uc74c\uc5d0\ub294 \ub18d\ucd0c \uc18c\uc561 \uae08\uc735 \uae30\uad00 \uc778\uc218 \uac00\ub2a5<br \/>\n2\ufe0f\u20e3 <em><strong>CBDC \uc5f0\ub3d9 \ud14c\uc2a4\ud2b8<\/strong><\/em> - BSP\ub294 2024\ub144\uc5d0 \uc740\ud589 \uac04 \uccad\uc0b0\uc744 \uc704\ud55c \ub3c4\ub9e4 \ub514\uc9c0\ud138 \ud654\ud3d0\ub97c \uc2dc\ubc94 \uc6b4\uc601\ud560 \uacc4\ud68d\uc785\ub2c8\ub2e4.<br \/>\n3\ufe0f\u20e3 <em><strong>\ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud558\ub294 \ubc14\uc774\uc624 \uacb0\uc81c<\/strong><\/em> - PAL \ud56d\uacf5\uc740 \uacf5\ud56d \uad6c\ub9e4 \uc2dc \uc548\uba74 \uc778\uc2dd\uc744 \ud14c\uc2a4\ud2b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<blockquote>\n<p>\u26a0\ufe0f <strong>\ucd5c\uace0 \uc704\ud5d8 \uacbd\uace0<\/strong>:<br \/>\n- \ub450\ud14c\ub974\ud14c \uc77c\uac00\uc758 \uc815\uce58 \uad8c\ub825\uc774 \uae08\uc735 \uaddc\uc81c \uacb0\uc815\uc5d0 \uac04\uc12d\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- \ud544\ub9ac\ud540\uc758 USDT \ud68c\uc0c9 \uc720\ud1b5\ub7c9, 1\uc870 4\ucc9c\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud574 \uac11\uc791\uc2a4\ub7ec\uc6b4 \uc815\ucc45 \ubcc0\ud654\uc758 \uc704\ud5d8\uc5d0 \ucc98\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n<hr>\n<h3><strong><strong>\uc870\uce58 \uad8c\uc7a5 \uc0ac\ud56d \ubaa9\ub85d<\/strong><\/strong><\/h3>\n<p>\ub2e4\uc591\ud55c \ub2e8\uacc4\uc5d0 \uc788\ub294 \ucc38\uac00\uc790\ub97c \uc704\ud55c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ucd08\uae30 \ud14c\uc2a4\ud130 \uff5c \uc2a4\ucf00\uc77c \ud655\uc7a5\uae30<\/th>\n<th><\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uff5c\ubca0\uc2a4\ud2b8 \uc5d4\ud2b8\ub9ac\uff5cGCash\/PayMaya \uc81c3\uc790 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 \ub418\uae30\uff5c\ud5c8\uac00\ub41c \ud604\uc9c0 \uc740\ud589(\uc608: \uce78\ud2f8\ub780 \uc740\ud589) \ud68d\ub4dd\ud558\uae30<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uff5c\uae30\uc220 \ud3ec\ucee4\uc2a4\uff5cSMS\/USSD \ud638\ud658 \uc2dc\uc2a4\ud15c \uac1c\ubc1c \uff5cAI \uae30\ubc18 \uc0ac\ud22c\ub9ac \uace0\uac1d \uc751\ub300 \ub85c\ubd07(\ube44\uc0ac\uc57c\/\uc138\ubd80\uc544\ub178)<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud2b9\uc815 \ubd80\ubb38\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ucd94\uc815\uc774 \ud544\uc694\ud55c \uacbd\uc6b0(\uc608: \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \uc77c\uc815\/\uacbd\uc7c1\uc801 \ud611\uc0c1 \uc804\ub7b5), \ucd94\uac00\uc801\uc778 \uc9c1\uc811 \ub17c\uc758\ub97c \uc9c4\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ucd5c\uace0\uc758 \ud604\uc7a5 \uac00\uc774\ub4dc: \uc804\ub7b5\ubd80\ud130 \uc2e4\ud589\uae4c\uc9c0<\/strong><\/h3>\n<h4><strong>VIII. \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad\uc744 \uc704\ud55c \uc2e4\ubb34 \ub9e4\ub274\uc5bc(EMI \uc804\uc790\ud654\ud3d0 \ub77c\uc774\uc120\uc2a4\ub97c \uc608\ub85c \ub4e4\uc5b4)<\/strong><\/h4>\n<p><strong>1\ub2e8\uacc4: \uc0ac\uc804 \uac80\uc99d(4~6\uac1c\uc6d4)<\/strong><\/p>\n<ul>\n<li>\uc8fc\uc694 \uc790\ub8cc \ubaa9\ub85d:\n<ul>\n<li>\ud604\uc9c0 \ub514\ub809\ud130\uc758 BSP \uc778\ud130\ubdf0 \uae30\ub85d(\ud544\ub9ac\ud540 \ub514\ub809\ud130 2\uba85 \ud544\uc694)<\/li>\n<li>\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \ub9e4\ub274\uc5bc\uc5d0\ub294 \"\uce74\uc9c0\ub178 \uc790\uae08 \ud750\ub984 \ubaa8\ub2c8\ud130\ub9c1\"\uc5d0 \ub300\ud55c \ubcc4\ub3c4\uc758 \uc139\uc158\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>BSP \uacf5\uc778 \uae30\uad00(\uc608: PwC \ud544\ub9ac\ud540)\uc5d0\uc11c \ubc1c\ud589\ud558\ub294 IT \uc2dc\uc2a4\ud15c \uac10\uc0ac \ubcf4\uace0\uc11c<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>2\ub2e8\uacc4: \ub9c8\uc9c4 \uc804\ub7b5 \ucd5c\uc801\ud654<\/strong><\/p>\n<ul>\n<li>\ucd5c\uc18c \ub0a9\uc785 \uc790\ubcf8\uae08 \uc694\uac74: 1\uc5b5 \ud398\uc18c(\uc57d 180\ub9cc \ub2ec\ub7ec)<\/li>\n<li><em>\ud574\uacb0 \ubc29\ubc95 \ud504\ub85c\uadf8\ub7a8<\/em>::<br \/>\n\ub18d\ucd0c \uc740\ud589\uacfc\uc758 \ud569\uc791 \ud22c\uc790(5\ucc9c\ub9cc \uc6d0\uae4c\uc9c0 \uac10\uc561 \uac00\ub2a5)<br \/>\n50% \ud604\uae08 \ub300\uc2e0 \ud544\ub9ac\ud540 \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac(PDIC) \ubcf4\uc99d\uc11c \uc0ac\uc6a9 \u2461 50% \ud604\uae08 \ub300\uc2e0 \ud544\ub9ac\ud540 \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac \ubcf4\uc99d\uc11c \uc0ac\uc6a9<\/li>\n<\/ul>\n<p><strong>3\ub2e8\uacc4: \uc0cc\ub4dc\ubc15\uc2a4 \ud14c\uc2a4\ud2b8 \ud544\uc218 \ud56d\ubaa9<\/strong><\/p>\n<ul>\n<li>3\uac00\uc9c0 \uc720\ud615\uc758 \uc2dc\ub098\ub9ac\uc624 \ud14c\uc2a4\ud2b8\ub97c \ud1b5\uacfc\ud574\uc57c \ud569\ub2c8\ub2e4:\n<ol>\n<li>\ud0dc\ud48d \uc7ac\ud574 \uc2dc \uc624\ud504\ub77c\uc778 \uac70\ub798 \ubcf5\uad6c<\/li>\n<li>OFW \uc1a1\uae08 15\ucd08 \uacc4\uc815 \uc2a4\ud2b8\ub808\uc2a4 \ud14c\uc2a4\ud2b8<\/li>\n<li>\uc9c0\ud504\ub2c8 \uc6b4\uc804\uc790 \uc2a4\uc715 \uacb0\uc81c\ub97c \uc704\ud55c \ub124\ud2b8\uc6cc\ud06c \ud658\uacbd \uc801\uc751 \ucde8\uc57d<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<hr>\n<h4><strong>IX. \ud604\uc9c0\ud654\ub41c \uc6b4\uc601\uc758 \uc0b6\uacfc \uc8fd\uc74c<\/strong><\/h4>\n<p><strong>1. \ubb38\ud654 \uc784\ubca0\ub529\uc758 '\ubc14\uc57c\ub2c8\ud55c' \ubc29\ubc95<\/strong><\/p>\n<ul>\n<li>GCash \uc131\uacf5 \uc0ac\ub840: \"GCash \ud30c\ub2ec\ub77c\" \uae30\ub2a5\uc744 \ud1b5\ud574 \uc0ac\uc6a9\uc790\ub294 \ud544\ub9ac\ud540 \ucee4\ubba4\ub2c8\ud2f0\uc758 \uc0c1\ud638 \uc9c0\uc6d0 \uc804\ud1b5\uc5d0 \ub530\ub77c \ub4f1\ub85d\ub418\uc9c0 \uc54a\uc740 \uc0ac\uc6a9\uc790\uc5d0\uac8c \uc1a1\uae08\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\uad8c\uc7a5 \uc0ac\ud56d \uad6c\ud604<\/em>::<br \/>\n-'\ub2e8\uccb4 \ubaa8\uae08 \ucf54\ub4dc' \uae30\ub2a5 \uac1c\ubc1c(\uad50\ud68c \ubaa8\uae08\/\uac00\uc871 \ubaa8\uc784\uc6a9)<\/li>\n<\/ul>\n<p><strong>\ud504\ub85d\uc2dc \ub124\ud2b8\uc6cc\ud06c\ub97c \uc704\ud55c \ucf5c\ub4dc \ub7f0\uce58 \ud301 2.<\/strong><br \/>\n| \ub3c4\uc2dc \uc720\ud615 &gt; \uc120\ud638 \ud30c\ud2b8\ub108 &gt; \uc778\uc13c\ud2f0\ube0c \ud504\ub85c\uadf8\ub7a8 &gt; \uc778\uc13c\ud2f0\ube0c \ud504\ub85c\uadf8\ub7a8<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n|\ub9c8\ub2d0\ub77c \uff5cSM Mall \ud3b8\uc758\uc810 \uccb4\uc778\uff5c\ud65c\uc131 \uc0ac\uc6a9\uc790\ub2f9 50\ud398\uc18c \ub9ac\uc6cc\ub4dc + \uc218\uc218\ub8cc 0.3% \uff5c<br \/>\n|\ub18d\ucd0c \uc9c0\uc5ed \uff5cM Lhuillier \uc804\ub2f9\ud3ec\uff5c\uc7a5\ube44 \ubcf4\uc99d\uae08 \ud560\ubd80 \uacf5\uc81c \ubaa8\ub378<\/p>\n<hr>\n<h4><strong>X. \ud568\uc815 \ubc29\uc9c0\ub97c \uc704\ud55c \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \uac00\uc774\ub4dc<\/strong><\/h4>\n<p><strong>\uce58\uba85\uc801\uc778 \uc2e4\uc218 TOP 3:<\/strong><br \/>\n\u274c \uc911\uad6d QR\ucf54\ub4dc \ud45c\uc900\uc758 \uc9c1\uc811 \uc0ac\ubcf8(QR Ph\uc758 EMVCo \uc0ac\uc591\uacfc\uc758 \ud638\ud658\uc131\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uc218 \uc788\uc74c)<br \/>\nSMS \ucc44\ub110 \uc774\uc911\ud654 \uc124\uacc4 \ubb34\uc2dc(\uae00\ub85c\ube0c \ud154\ub808\ucf64\uacfc \uc2a4\ub9c8\ud2b8 \ub124\ud2b8\uc6cc\ud06c\ub294 \uc11c\ub85c \uc804\uc1a1\ud558\ub294 \ub370 20%\uc758 \ub300\uae30 \uc2dc\uac04\uc774 \uc788\uc74c)<br \/>\n\uc911\uc559\uc740\ud589 \ud655\uc778 \uc778\ud130\ud398\uc774\uc2a4\ub97c \uc704\ud574 \uc0ac\uc804 \uad6c\ucd95\ub418\uc9c0 \uc54a\uc74c(BSP\uac00 \ub9e4\uc77c \uac70\ub798 \ub370\uc774\ud130 API\ub97c \ud604\uc7a5 \ud655\uc778\ud568)<\/p>\n<p><strong>\uad8c\uc7a5 \uae30\uc220 \uc2a4\ud0dd \uc870\ud569:<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD<br>\r\nA[\uc804\uba74] --&gt; B(\uad6c\ud615 \uc0ac\uc6a9\uc790\ub97c \uc704\ud55c USSD \uba54\ub274)<br>\r\nA --&gt; C(\ud2f1\ud1a1 \uc2a4\ud0c0\uc77c\uc758 \uc9e7\uc740 \ub3d9\uc601\uc0c1 \ud29c\ud1a0\ub9ac\uc5bc \ubaa8\ubc29)<br>\r\nD [\ubc31\uc5d4\ub4dc] --&gt; E (\ud398\ub354\ub808\uc774\uc158 DB: MySQL + \ube14\ub85d\uccb4\uc778 \uc800\uc7a5\uc18c)<br>\r\nD --&gt; F(\uc7ac\ud574 \ubcf5\uad6c: \ud314\ub77c\uc644 \uc12c \ubcf4\uc870 \ub370\uc774\ud130 \uc13c\ud130)<br>\r\n<\/code><\/pre>\n<hr>\n<h4><strong>XI. \uc9c0\uc815\ud559\uc801 \ud5e4\uc9c0 \uc804\ub7b5<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\uce5c\uc911\uad6d \uc9c0\ubc30 \uc2dc\ub300\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/th>\n<th>\uce5c\ubbf8 \uc2dc\ub300\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uacb0\uc81c \ucc44\ub110 \ud3ec\ucee4\uc2a4 \uff5c \uc704\uc548\ud654-PHP \uc9c1\uc811 \uccad\uc0b0 \ucd09\uc9c4 \u4e28 FedNow \uad6d\uacbd \uac04 \uc2dc\uc2a4\ud15c \ud30c\uc77c\ub7ff\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4 \uac00\uc18d\ud654 \u4e28 \uacb0\uc81c \ucc44\ub110 \ud3ec\ucee4\uc2a4 \uff5c \uc704\uc548\ud654-PHP \uc9c1\uc811 \uccad\uc0b0 \ucd09\uc9c4\u00a0<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>| \uaddc\uc815 \uc900\uc218 \uc8fc\uc694 \uc0ac\ud56d \u4e28 OFAC \uc81c\uc7ac \ubaa9\ub85d 2\ucc28 \uc2ec\uc0ac \uc900\uc218 \u4e28 PCIDSS v4.0 \ucd5c\uace0 \uc778\uc99d \uc218\uc900 \ucda9\uc871 \u4e28 \uaddc\uc815 \uc900\uc218 \uc8fc\uc694 \uc0ac\ud56d\u00a0<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p>\ud83d\udccc\ube14\ub799 \uc2a4\uc644 \uacbd\ubcf4 2024: \ub0a8\uc911\uad6d\ud574 \ubd84\uc7c1\uc774 \uace0\uc870\ub418\uba74\uc11c \uc911\uad6d \uc9c0\uc6d0 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \ucd94\uac00 \uc870\uc0ac\uac00 \uc774\ub8e8\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n<hr>\n<h4><strong>XII. \ucd9c\uad6c \uacbd\ub85c \uacc4\ud68d<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\uc774\uc0c1\uc801\uc778 \uc0c1\ud669\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/th>\n<th>\uc704\uae30 \uad00\ub9ac\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>M&amp;A \ucd9c\uad6c \u30fb\uce90\uc2dc \uc778\uc218\uac00\uaca9\uc740 \ubcf4\ud1b5 GMV\uc758 1.8\ubc30 \u30fb\uc77c\ubcf8 \ubc14\uc774\uc5b4 \ucc3e\uae30 (\uc608: \uc18c\ud504\ud2b8\ubc45\ud06c\uac00 \ub3d9\ub0a8\uc544\uc2dc\uc544\ub97c \ub178\ub9ac\uace0 \uc788\uc74c)\u00a0<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uc790\uc0b0 \ub9e4\uac01 \u30fb\ub9d0\ub808\uc774\uc2dc\uc544 \uc740\ud589\uc5d0 \ub77c\uc774\uc120\uc2a4 \ubd84\ud560 \ub9e4\uac01 \u30fb\uae30\uc220\ud300 \ubca0\ud2b8\ub0a8 \uc2dc\uc7a5\uc73c\ub85c \uc774\uc804\u00a0<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong><strong>\ucd5c\uc885 \uc758\uc0ac \uacb0\uc815 \ud2b8\ub9ac<\/strong><\/strong><\/h3>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR<br>\r\n\uc774\ubbf8 \ub3d9\ub0a8\uc544\uc2dc\uc544 \uacbd\ud5d8 \uc5ec\ubd80 --&gt; \uc608 --&gt; \ud604\uc9c0 \uae30\uc5c5 60%+ \ubcf4\uc720 \uc120\ud0dd<br>\r\n\uc608 --&gt; \uc544\ub2c8\uc694 --&gt; \uc0cc\ub4dc\ubc15\uc2a4 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud558\uc5ec BNPL \uc0ac\uc5c5 \ud14c\uc2a4\ud2b8\ud558\uae30<br>\r\n\uc544\ub2c8\uc694--&gt;5\ub144 \ubc18\ud658 \uc8fc\uae30 \uc218\ub77d \uc5ec\ubd80--&gt;\uc608--&gt;\uc790\uccb4 \uad6c\ucd95\ub41c \uc804\uccb4 \ub77c\uc774\uc120\uc2a4 \uc2dc\uc2a4\ud15c <br>\r\n\uc544\ub2c8\uc694--&gt;\uc544\uc584\ub77c \uadf8\ub8f9\uacfc \uc804\ub7b5\uc801 \ud22c\uc790 \ud611\ub825 \ubaa8\uc0c9 \uc911 <br>\r\n<\/code><\/pre>\n<p>\ud55c \ub3c4\uc2dc\uc758 \uc5d0\uc774\uc804\ud2b8\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 ROI \uce21\uc815\uc774\ub098 \uc911\uc559\uc740\ud589\uc758 \ub300\uc751 \uae30\uc220 \ud15c\ud50c\ub9bf\uc744 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