{"id":3060,"date":"2025-05-26T14:01:50","date_gmt":"2025-05-26T06:01:50","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3060"},"modified":"2025-05-26T14:01:50","modified_gmt":"2025-05-26T06:01:50","slug":"%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%8a%80%e6%9c%af%e5%8f%91%e5%b1%95%e8%b7%af%e7%ba%bf%e5%9b%be","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/26\/%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e6%8a%80%e6%9c%af%e5%8f%91%e5%b1%95%e8%b7%af%e7%ba%bf%e5%9b%be\/","title":{"rendered":"\ubca0\ud2b8\ub0a8 \ud604\uc9c0 \uacb0\uc81c \uae30\uc220 \uac1c\ubc1c \ub85c\ub4dc\ub9f5"},"content":{"rendered":"<p>\ubca0\ud2b8\ub0a8\uc758 \ud604\uc9c0 \uacb0\uc81c \uae30\uc220 \uac1c\ubc1c\uc740 \ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \ud655\ub300, \uc815\ubd80\uc758 \uc815\ucc45 \uc9c0\uc6d0, \uc80a\uc740 \uc778\uad6c\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc218\uc694 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 \ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \ub2e8\uacc4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ubca0\ud2b8\ub0a8 \uacb0\uc81c \uae30\uc220 \uac1c\ubc1c\uc758 \uc8fc\uc694 \ub85c\ub4dc\ub9f5\uacfc \ud2b8\ub80c\ub4dc \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>1. \ud604\uae08 \uacb0\uc81c\uc5d0\uc11c \ub514\uc9c0\ud138 \uacb0\uc81c\ub85c\uc758 \uc804\ud658\uae30(2010~2020\ub144)<\/strong><\/h3>\n<ul>\n<li><strong>\uc9c4\ub2e8 \uc18d\uc131<\/strong>\ud604\uae08\uc774 \uc5ec\uc804\ud788 \uc9c0\ubc30\uc801\uc774\uc9c0\ub9cc \uc804\uc790\uc9c0\uac11\uacfc \uc740\ud589 \uce74\ub4dc\uac00 \ubcf4\uae09\ub418\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub9c8\uc77c\uc2a4\ud1a4<\/strong>::\n<ul>\n<li>\uad6d\uac00 \uacb0\uc81c \uc778\ud504\ub77c \uc5c5\uadf8\ub808\uc774\ub4dc(\uc608: NAPAS \uccad\uc0b0 \uc2dc\uc2a4\ud15c).<\/li>\n<li>MoMo \ubc0f ZaloPay\uc640 \uac19\uc740 \ud604\uc9c0 \uc804\uc790\uc9c0\uac11\uc758 \ubd80\uc0c1(2016\ub144 \uc774\ud6c4).<\/li>\n<li>QR\ucf54\ub4dc \ud45c\uc900\uc758 \uc870\ud654(\ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589\uc5d0\uc11c 2018\ub144\uc5d0 \ucd9c\uc2dc\ud55c VietQR).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \ud3ed\ubc1c\uc801 \uc99d\uac00\uc640 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \uac1c\uc120(2021-2025)<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\ucd94\uc9c4\ub825<\/strong>::<\/p>\n<ul>\n<li><strong>\uc804\uc5fc\ubcd1 \ucd09\ub9e4\uc81c<\/strong>\ube44\uc811\ucd09 \uacb0\uc81c\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc815\ucc45 \uc9c0\uc6d0<\/strong>:: 2025\ub144\uae4c\uc9c0 \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c \uac1c\ubc1c \ud504\ub85c\uadf8\ub7a8(\ubaa9\ud45c: \ube44\ud604\uae08 \uac70\ub798\ub7c9 50%).<\/li>\n<li><strong>\uc740\ud589 \ud611\ub825<\/strong>\uc804\uc790\uc9c0\uac11\uc740 \ud604\uc9c0 \uc740\ud589\uacfc \ubc00\uc811\ud558\uac8c \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4(\uc608: MoMo\ub294 30\uac1c\uc758 \uc740\ud589\uc744 \uc5f0\uacb0\ud569\ub2c8\ub2e4).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc8fc\uc694 \uae30\uc220\uc758 \ubc1c\uc804<\/strong>::<\/p>\n<ul>\n<li>QR\ucf54\ub4dc \uc778\uae30: \ub178\uc810\uc0c1\ubd80\ud130 \uccb4\uc778\uc810\uae4c\uc9c0 \ubaa8\ub450 \uc2a4\uce94 \ucf54\ub4dc \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n\uad6d\uac00 \uac04 \uc0c1\ud638 \uc5f0\uacb0 \ud30c\uc77c\ub7ff\uc774 \uc2dc\uc791\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \uc624\ud508 \ubc45\ud0b9 \ubc0f \ud540\ud14c\ud06c \uc5d0\ucf54 \ud1b5\ud569(2026\ub144 \uc774\uc0c1)<\/strong><\/h3>\n<p>\ud5a5\ud6c4 \uc911\uc810 \ucd94\uc9c4 \ubc29\ud5a5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<h4><strong>(1) API \uacbd\uc81c\uc640 \uc624\ud508 \ubc45\ud0b9<\/strong><\/h4>\n<p>\ud45c\uc900\ud654\ub41c API \uc778\ud130\ud398\uc774\uc2a4\ub97c \ud1b5\ud55c \ub370\uc774\ud130 \uacf5\uc720.<\/p>\n<h4><strong>(2) \uc288\ud37c \uc571 \ubaa8\ub378 \uc2ec\ud654\ud558\uae30<\/strong><\/h4>\n<p>\uc608\ub97c \ub4e4\uc5b4, Grab \ub610\ub294 Shopee\ub294 \ub2e4\uc911 \uc2dc\ub098\ub9ac\uc624 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud569\ub2c8\ub2e4.<\/p>\n<h4><strong>(3) AI \uae30\ubc18 \ud48d\ud5a5\ud48d\uc18d \uc81c\uc5b4 \uc5c5\uadf8\ub808\uc774\ub4dc<\/strong><\/h4>\n<h4><strong>(4) CBDC \ud0d0\uc0c9<\/strong><\/h4>\n<hr>\n<h3><em><strong>\ub3c4\uc804<\/strong><\/em><\/h3>\n<p>\ud601\uc2e0\uc758 \uc18d\ub3c4\uc640 \uc2dc\uc2a4\ud15c\uc801 \uc704\ud5d8\uc758 \ud1b5\uc81c \uc0ac\uc774\uc5d0 \uade0\ud615\uc744 \ub9de\ucd9c \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>4. \uad6d\uacbd \uac04 \uacb0\uc81c \ubc0f \uc9c0\uc5ed \uae08\uc735 \ud1b5\ud569(2025-2030)<\/strong><\/h3>\n<p>\ubca0\ud2b8\ub0a8\uc758 \uae00\ub85c\ubc8c \uacf5\uae09\ub9dd \ubc0f \uc544\uc138\uc548 \uacbd\uc81c \uacf5\ub3d9\uccb4(AEC) \ud1b5\ud569\uc774 \uc2ec\ud654\ub428\uc5d0 \ub530\ub77c \uacb0\uc81c \uae30\uc220\uc740 \uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \uc2dc\ub098\ub9ac\uc624\ub85c \ud655\uc7a5\ub420 \uac83\uc785\ub2c8\ub2e4:<\/p>\n<h4><strong>(1) \uc544\uc138\uc548 \ube60\ub978 \uacb0\uc81c \uc0c1\ud638 \uc5f0\uacb0(\uc608: QR \ub2e8\uacc4\uc801 \ud06c\ub85c\uc2a4\ubcf4\ub354)<\/strong><\/h4>\n<ul>\n<li>\ubca0\ud2b8\ub0a8\uc740 \ud0dc\uad6d \ubc0f \ub9d0\ub808\uc774\uc2dc\uc544\uc640 \ucf54\ub4dc \uc2a4\uc704\ud551 \uc0c1\ud638 \uc778\uc815\uc744 \uc2dc\ubc94\uc801\uc73c\ub85c \uc2dc\ud589\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ubaa9\ud45c<\/strong>\ud5a5\ud6c4 5\ub144 \uc774\ub0b4\uc5d0 \ub3d9\ub0a8\uc544\uc2dc\uc544 \uc8fc\uc694 \uad6d\uac00\ub85c \uc2e4\uc2dc\uac04 \uc1a1\uae08\uc744 \uc2e4\ud604\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>(2) \ubb34\uc5ed \uacb0\uc81c\uc5d0 \ube14\ub85d\uccb4\uc778\uc744 \uc801\uc6a9\ud558\ub294 \ubc29\ubc95<\/strong><\/h4>\n<ul>\n<li>\ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uc2e0\uc6a9\uc7a5(LC) \ubc0f \uacf5\uae09\ub9dd \uae08\uc735\uc744 \uc2dc\ubc94 \uc6b4\uc601\ud558\uc5ec SWIFT\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\ub97c \uc904\uc774\uc138\uc694.<\/li>\n<\/ul>\n<h4><strong>(3) \ub514\uc9c0\ud138 \uc2e0\uc6d0\uc758 \uad6d\uc81c\ud654<\/strong><\/h4>\n<ul>\n<li>eKYC \ud45c\uc900\uc740 \uc544\uc138\uc548 \uacf5\ud1b5 \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uc5f0\ub3d9\ud558\uc5ec \uc678\uad6d\uc778\uc758 \ud604\uc9c0 \uacb0\uc81c \uc218\ub2e8 \uc0ac\uc6a9\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0)\uc758 \uc2e0\uc911\ud55c \ucd94\uc9c4(2026~2035\ub144 \ub2e8\uacc4\uc801 \ucd94\uc9c4)<\/strong><\/h3>\n<p>\ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589(CBV)\uc740 '2\ub2e8\uacc4 \uc6b4\uc601' \ubaa8\ub378\uc744 \ucc44\ud0dd\ud560 \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \uc5f0\uad6c\ub97c \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ud30c\uc77c\ub7ff \ub2e8\uacc4(2026~2028\ub144)<\/strong>\ub3c4\ub9e4 CBDC\ub294 \uc740\ud589 \uac04 \uccad\uc0b0\uc5d0 \uc0ac\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<li><strong>\ub9ac\ud14c\uc77c \ub2e8\uacc4(2030+)<\/strong>:<br \/>\n\uc131\uacf5\uc801\uc73c\ub85c \ucd9c\uc2dc\ub418\uba74 \ud604\uae08 \ub300\uccb4\uc728\uc774 30%\ub97c \ucd08\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><em><strong>\uc8fc\uc694 \uacfc\uc81c<\/strong><\/em> \ud83d\udea8<\/h3>\n<ol>\n<li><strong>\uc0ac\uc6a9\uc790 \uc2b5\uad00 \ud1b5\ud569<\/strong>:<br \/>\n\ub18d\ucd0c \uc9c0\uc5ed\uc740 \uc5ec\uc804\ud788 \ud604\uae08\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc73c\uba70, \uc804\ud654 \uc694\uae08 \ucda9\uc804\uacfc \uac19\uc740 '\uac00\ubcbc\uc6b4 \uae08\uc735' \uc2dc\ub098\ub9ac\uc624\ub97c \ud1b5\ud574 \uc810\uc9c4\uc801\uc73c\ub85c \ubcc0\ud654\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub370\uc774\ud130 \uc8fc\uad8c \ubd84\uc7c1<\/strong>:<br \/>\n\ud574\uc678 \uae30\uc220 \uae30\uc5c5\uc774 \ud604\uc9c0\ud654\ub41c \ub370\uc774\ud130 \uc2a4\ud1a0\ub9ac\uc9c0\uc5d0 \ub300\ud55c \ud658\uacbd \uaddc\uc81c \uc694\uac74 \uc911 \uc77c\ubd80\ub97c \uc9c0\ubc30\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub4a4\ucc98\uc9c4 \uc0ac\uae30 \ubc29\uc9c0 \uae30\uc220<\/strong>:<br \/>\nAI \uc5bc\uad74 \uc2a4\uc640\ud551\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \uc720\ud615\uc758 \uc0ac\uae30\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574\uc11c\ub294 \uc0dd\uccb4 \uc778\uc2dd \uc704\ud5d8 \uad00\ub9ac \ud22c\uc790\ub97c \ub298\ub824\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<h3><em><strong>\uae30\uc5c5 \uc804\ub7b5 \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/em><\/h3>\n<p>\u2705 <em>\uc804\ud1b5\uc801\uc778 \ubc45\ud0b9<\/em> \u2192 \uc18c\uc678\ub418\uc9c0 \uc54a\ub3c4\ub85d API \uc778\ud130\ud398\uc774\uc2a4 \uac1c\ubc29\uc744 \uac00\uc18d\ud654\ud569\ub2c8\ub2e4;<br \/>\n\u2705 <em>\uc0c8\ub85c \uc124\ub9bd\ub41c \uae30\uc5c5<\/em> \u2192 B2B \uc5c5\uc885(\uc608: \ubc30\uc1a1\/\uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c)\uc5d0 \uc9d1\uc911\ud569\ub2c8\ub2e4;<br \/>\n\u2705 <em>\uc678\uad6d \uc870\uc9c1<\/em> \u2192 \uc0ac\uc774\ubc84 \ubcf4\uc548\ubc95\uc758 \ub370\uc774\ud130 \uc870\ud56d\uc744 \uc900\uc218\ud558\uace0 \ucc29\ub959\ud558\uae30 \uc704\ud574 \uacf5\ub3d9\uc73c\ub85c \uc790\uae08\uc744 \uc870\ub2ec\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\uc815 \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub300\ud574 \ub354 \uad6c\uccb4\uc801\uc778 \ubd84\uc11d\uc774 \ud544\uc694\ud55c \ubd80\ubd84\uc774 \uc788\uc73c\uba74 \uc5b8\uc81c\ub4e0\uc9c0 \uc9c0\uc801\ud574 \uc8fc\uc138\uc694!<\/p>","protected":false},"excerpt":{"rendered":"<p>\ubca0\ud2b8\ub0a8\uc758 \ud604\uc9c0 \uacb0\uc81c \uae30\uc220 \uac1c\ubc1c\uc740 \ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \ud655\uc7a5\uc5d0 \ud798\uc785\uc5b4 \uae09\uc18d\ud55c \ubcc0\ud654\uc758 \ub2e8\uacc4\uc5d0 \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":[34],"tags":[],"class_list":["post-3060","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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