{"id":3114,"date":"2025-05-31T21:42:30","date_gmt":"2025-05-31T13:42:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3114"},"modified":"2025-05-31T21:42:30","modified_gmt":"2025-05-31T13:42:30","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e4%bf%a1%e7%94%a8%e5%8d%a1%e4%bd%bf%e7%94%a8%e6%83%85%e5%86%b5%e4%b8%8e%e6%9b%bf%e4%bb%a3%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/31\/%e8%8f%b2%e5%be%8b%e5%ae%be%e4%bf%a1%e7%94%a8%e5%8d%a1%e4%bd%bf%e7%94%a8%e6%83%85%e5%86%b5%e4%b8%8e%e6%9b%bf%e4%bb%a3%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7\/","title":{"rendered":"\ud544\ub9ac\ud540\uc758 \uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ubc0f \ub300\uccb4 \uacb0\uc81c \uc218\ub2e8"},"content":{"rendered":"<p>\ud544\ub9ac\ud540\uc758 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc2e0\uc6a9\uce74\ub4dc \ubcf4\uae09\ub960\uc774 \uc810\ucc28 \uc99d\uac00\ud558\uba74\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc9c0\ub9cc \uc5ec\uc804\ud788 \ud604\uae08 \ubc0f \ub300\uccb4 \uacb0\uc81c \uc218\ub2e8\uc774 \uc9c0\ubc30\uc801\uc785\ub2c8\ub2e4. \uc790\uc138\ud55c \ubd84\uc11d\uc740 \uc544\ub798\uc5d0\uc11c \ud655\uc778\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<h3>\ud558\ub098,<strong>\uc2e0\uc6a9\uce74\ub4dc \uc0ac\uc6a9 \ud604\ud669<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\ub0ae\uc740 \ubcf4\uae09\ub960\uc774\uc9c0\ub9cc \ube60\ub978 \uc131\uc7a5<\/strong><\/p>\n<ul>\n<li>\uc131\uc778\uc758 \uc57d 51%~101%(2023\ub144 \ub370\uc774\ud130)\uac00 \uc2e0\uc6a9\uce74\ub4dc\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc778\uadfc \ub3d9\ub0a8\uc544\uc2dc\uc544 \uad6d\uac00(\uc608: \uc2f1\uac00\ud3ec\ub974 601%+)\uc5d0 \ube44\ud574 \ud6e8\uc52c \ub0ae\uc740 \uc218\uce58\uc785\ub2c8\ub2e4.<\/li>\n<li>\uc131\uc7a5 \ub3d9\ub825: \uc911\uc0b0\uce35 \ud655\ub300, \uc740\ud589\uc758 \uc5f0\ud68c\ube44 \uc5c6\ub294 \uce74\ub4dc \ud64d\ubcf4, \uc804\uc790\uc0c1\uac70\ub798 \uc218\uc694 \uc99d\uac00.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc8fc\uc694 \uce74\ub4dc \ubc1c\uae09\uc0ac<\/strong><\/p>\n<ul>\n<li><strong>\ud604\uc9c0 \uc740\ud589<\/strong>BDO \uc720\ub2c8\ubc45\ud06c(\uc2dc\uc7a5 \uc810\uc720\uc728 1\uc704), \uba54\ud2b8\ub85c\ubc45\ud06c, BPI.<\/li>\n<li><strong>\uad6d\uc81c \ube0c\ub79c\ub4dc<\/strong>\ube44\uc790 \ubc0f \ub9c8\uc2a4\ud130\uce74\ub4dc\uac00 \uc8fc\ub97c \uc774\ub8e8\uba70, \uc544\uba54\ub9ac\uce78 \uc775\uc2a4\ud504\ub808\uc2a4\ub294 \uace0\uae09 \uc0ac\uc6a9\uc790\uc5d0\uac8c\ub9cc \uc81c\ud55c\uc801\uc73c\ub85c \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc81c\ud55c\ub41c \uc0ac\uc6a9 \uc2dc\ub098\ub9ac\uc624<\/strong><\/p>\n<ul>\n<li>\uc8fc\ub85c \ub300\ud615 \uc1fc\ud551\ubab0, \uccb4\uc778\uc810, \uc628\ub77c\uc778 \uc5ec\ud589 \uc608\uc57d(\uc608: \uc544\uace0\ub2e4) \ubc0f \uad6d\uc81c \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc(\uc608: \ub77c\uc790\ub2e4\/\uc1fc\ud53c \uad6d\uacbd \uac04 \uacb0\uc81c)\uc5d0\uc11c \uc0ac\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n<li>\ub192\uc740 \ucc98\ub9ac \uc218\uc218\ub8cc(2%-4%)\uc640 POS \ub2e8\ub9d0\uae30\uc758 \ud544\uc694\uc131\uc73c\ub85c \uc778\ud574 \uc911\uc18c\ud615 \ud310\ub9e4\uc790\uc758 \uc218\uc6a9\ub3c4\uac00 \ub0ae\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>2,<strong>\ub300\uccb4 \uacb0\uc81c \uc218\ub2e8\uc758 \ubd80\uc0c1<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\uc804\uc790\uc9c0\uac11\uc758 \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5<\/strong><\/p>\n<ul>\n<li><strong>GCash<\/strong>(\uae00\ub85c\ube0c \ud154\ub808\ucf64 \uc0b0\ud558): 5,100\ub9cc \uba85 \uc774\uc0c1\uc758 \uac00\uc785\uc790(2023\ub144\uae4c\uc9c0), \ucf54\ub4dc \uc2a4\uc640\uc774\ud504 \uacb0\uc81c, \uc1a1\uae08, \ud22c\uc790\uae4c\uc9c0 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>Maya<\/strong>(\uad6c PayMaya): 4,800\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790\ub97c \ubcf4\uc720\ud55c \ud1b5\ud569 \uc804\uc790\uc9c0\uac11 \ubc0f \uac00\uc0c1 \ubc45\ud0b9 \uc11c\ube44\uc2a4\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc740\ud589 \uc1a1\uae08 \ubc0f QR\ucf54\ub4dc \uacb0\uc81c\uc758 \ub300\uc911\ud654<\/strong><\/p>\n<ul>\n<li>InstaPay(\uc2e4\uc2dc\uac04 \uc18c\uc561 \uc1a1\uae08)<\/li>\n<li>PESONet(\ub300\ub7c9 \ub300\ub7c9 \uccad\uc0b0)<\/li>\n<li>QR Ph - \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc \uac04 \uacb0\uc81c\ub97c \uc704\ud55c \uad6d\uac00 \ud45c\uc900\ud654\ub41c QR\ucf54\ub4dc \uc2dc\uc2a4\ud15c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>OTC \uc624\ud504\ub77c\uc778 \ud604\uae08 \ucda9\uc804<br \/>\n7-11\uacfc \uac19\uc740 \ud3b8\uc758\uc810\uc744 \ud1b5\ud574 \uc804\uc790\uc9c0\uac11\uc5d0 \ud604\uae08\uc744 \ucda9\uc804\ud558\ub294 \uac83\uc740 \uc5ec\uc804\ud788 \uc911\uc694\ud55c \ucc44\ub110\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n<p>4.<strong>BNPL \uc9c0\uae08 \uad6c\ub9e4, \ucd94\ud6c4 \uc0c1\uc2b9 \uc2dc \uacb0\uc81c<\/strong><br \/>\nAtome, BillEase \ub4f1 \ud560\ubd80 \uacb0\uc81c\ub97c \ud1b5\ud574 \uce74\ub4dc \uc5c6\ub294 \uace0\uac1d\uc744 \uc720\uce58\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p>III. \uc8fc\uc694 \uacfc\uc81c<br \/>\n<em>\uc778\ud504\ub77c \ucc28\uc774\uc810<\/em>:: \ub300\ub3c4\uc2dc\uc640 \ube44\uc218\ub3c4\uad8c \uac04\uc758 \uc218\uc6a9\ub3c4 \uaca9\ucc28 \ud655\ub300<br \/>\n<em>\uc790\uc2e0\uac10 \ubb38\uc81c<\/em>:: \uc77c\ubd80 \uc778\uad6c\ub294 \uc5ec\uc804\ud788 '\ub208\uc5d0 \ubcf4\uc774\ub294' \ud604\uae08 \uac70\ub798\ub97c \uc120\ud638\ud569\ub2c8\ub2e4.<br \/>\n<em>\uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c<\/em>:: \uc911\uc559\uc740\ud589(BSP)\uc740 \ub514\uc9c0\ud138\ud654\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uc9c0\ub9cc \ud601\uc2e0\uacfc \uc704\ud5d8\uc758 \uade0\ud615\uc744 \uc720\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubbf8\ub798 \ud2b8\ub80c\ub4dc \uc608\uce21.<\/p>\n<ul>\n<li>BSP\ub294 2025\ub144\uae4c\uc9c0 50% \ud2b8\ub79c\uc7ad\uc158\uc758 \ub514\uc9c0\ud138\ud654\ub97c \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4.<\/li>\n<li>\"\uc288\ud37c \uc571\" \ubaa8\ub378\uc740 \ub354 \ub9ce\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud569\ub2c8\ub2e4(\uc608: GCash\ub294 \uc774\ubbf8 \ubcf4\ud5d8\uacfc \uc18c\uc561 \uae08\uc735\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4).<\/li>\n<li>CBDC(\ub514\uc9c0\ud138 \ud398\uc18c)\uac00 \ud30c\uc77c\ub7ff \ub2e8\uacc4\uc5d0 \ub4e4\uc5b4\uac08 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>IV. \ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud5a5\ud6c4 \ub3d9\ud5a5(\uacc4\uc18d)<\/strong><\/h3>\n<h4><strong>1. \uc288\ud37c \uc571 \uc5d0\ucf54\uc2dc\uc2a4\ud15c\uc758 \ud1b5\ud569 \uac00\uc18d\ud654<\/strong><\/h4>\n<ul>\n<li><strong>GCash\uc640 \ub9c8\uc57c<\/strong> \ub2e8\uc21c\ud55c \uacb0\uc81c \ub3c4\uad6c\uc5d0\uc11c \ub2e4\uc74c\uacfc \uac19\uc740 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 '\uae08\uc735 \uc288\ud37c \uc560\ud50c\ub9ac\ucf00\uc774\uc158'\uc73c\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ub418\uc5c8\uc2b5\ub2c8\ub2e4:\n<ul>\n<li>\uc18c\uc561 \uae08\uc735(GCash GLoan, \ub9c8\uc57c \ud06c\ub808\ub527)<\/li>\n<li>\ubcf4\ud5d8 \uc0c1\ud488(\uc608: GCash \uc778\uc288\uc5b4\ub7f0\uc2a4)<\/li>\n<li>\ud22c\uc790 \uc11c\ube44\uc2a4(\uc608: G\uc778\ubca0\uc2a4\ud2b8 \uba38\ub2c8 \ud380\ub4dc)<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ud1b5\uc2e0\uc0ac \uc8fc\ub3c4 \ubaa8\ub378<\/strong>\uae00\ub85c\ube0c(GCash)\uc640 PLDT\/Smart(Maya)\ub294 \ub300\uaddc\ubaa8 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc744 \ud65c\uc6a9\ud558\uc5ec \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ub2e4\uc6b4\uc2a4\ud2b8\ub9bc\uc73c\ub85c \ub04c\uc5b4\uc62c\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>2. BNPL\uc758 \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5(\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uc9c0\ubd88)<\/strong><\/h4>\n<ul>\n<li>\uc544\ud1b0, \ube4c\uc774\uc988, \ud150\ub3c4 \ub4f1\uc758 \ud50c\ub7ab\ud3fc\uc740 \uc774\ucee4\uba38\uc2a4 \ubd84\uc57c\uc5d0\uc11c \ube60\ub978 \ubcf4\uae09\ub960\uc744 \ubcf4\uc774\uace0 \uc788\uc73c\uba70 \ud2b9\ud788 \uc80a\uc740 \uc18c\ube44\uc790\ub4e4\uc744 \ub04c\uc5b4\ub4e4\uc774\uace0 \uc788\uc73c\uba70, \uc1fc\ud53c\/\ub77c\uc790\ub2e4\uc5d0\ub294 BNPL \uc635\uc158\uc774 \ub0b4\uc7a5\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uaddc\uc81c \ucd08\uc810<\/strong>BSP\ub294 \uacfc\ub3c4\ud55c \ub300\ucd9c \uc704\ud5d8\uc744 \ud53c\ud558\uae30 \uc704\ud574 BNPL\uc5d0 \ub300\ud55c \uc774\uc790\uc728 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uaddc\uc815\uc744 \uac15\ud654\ud560 \uac00\ub2a5\uc131\uc774 \ub192\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>3. \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC) \uc2dc\ubc94 \uc6b4\uc601 \uc9c4\ud589<\/strong><\/h4>\n<ul>\n<li>BSP\ub294 2023\ub144\uc5d0 '\ub514\uc9c0\ud138 \ud398\uc18c' \uc5f0\uad6c \ud504\ub85c\uc81d\ud2b8\ub97c \uc2dc\uc791\ud558\uc5ec \ub2e8\uacc4\uc801\uc73c\ub85c \ub3c4\ub9e4 CBDC(\uc740\ud589 \uac04 \uacb0\uc81c \uc120\ud638)\ub97c \ud14c\uc2a4\ud2b8\ud560 \uacc4\ud68d\uc785\ub2c8\ub2e4. \uc18c\ub9e4\uc6a9 CBDC\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc77c\uc815\uc740 \uc815\ud574\uc9c0\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc7a0\uc7ac\uc801\uc778 \uc7a5\uc810\uc73c\ub85c\ub294 \uc1a1\uae08 \ube44\uc6a9 \uc808\uac10\uacfc \uae08\uc735 \ud3ec\uc6a9\uc131 \ud655\ub300 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>V. \uc2dc\uc7a5 \uc138\ubd84\ud654 \uae30\ud68c\uc640 \uacfc\uc81c<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\uc601\uc5ed<\/strong><\/th>\n<th><strong>\uae30\ud68c \ud3ec\uc778\ud2b8<\/strong><\/th>\n<th><strong>\uc8fc\uc694 \uc7a5\uc560\ubb3c<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\uc2e0\uc6a9 \uce74\ub4dc<\/em><\/td>\n<td>\ud558\uc774\uc5d4\ub4dc \uc138\uadf8\uba3c\ud2b8\uc758 \uad6d\uacbd \uac04 \uc9c0\ucd9c\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00<\/td>\n<td>\ub0ae\uc740 \ucee4\ubc84\ub9ac\uc9c0 + \uac00\ub9f9\uc810 \uc218\uc218\ub8cc \uc800\ud56d<\/td>\n<\/tr>\n<tr>\n<td><em>\uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/em><\/td>\n<td>\ub18d\ucd0c \uc9c0\uc5ed\uc758 \uae08\uc735 \ud3ec\uc6a9\uc131 \ubcf4\uae09\ub960<\/td>\n<td>\ud604\uae08\uc5d0 \uc758\uc874\ud558\ub294 \uc2b5\uad00\uc740 \ubc14\uafb8\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td><em>\ud574\uc678 \uacb0\uc81c<\/em><\/td>\n<td>OFW(\ud574\uc678 \uadfc\ub85c\uc790) \uc1a1\uae08\uc758 \ub514\uc9c0\ud138\ud654(GDP\uc758 10%)<\/td>\n<td>SWIFT \ucc44\ub110\uc758 \ub192\uc740 \ube44\uc6a9<\/td>\n<\/tr>\n<tr>\n<td><em>\uc624\ud504\ub77c\uc778 \ub9c8\uc774\ud06c\ub85c \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790<\/em><\/td>\n<td>QR\ucf54\ub4dc POS \uae30\uae30 \ud504\ub85c\ubaa8\uc158<\/td>\n<td>\ubd88\uc548\uc815\ud55c \uc804\ub825\/\ub124\ud2b8\uc6cc\ud06c \uc778\ud504\ub77c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>VI. \ud574\uc678 \uae30\uc5c5 \uc9c4\ucd9c\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<ol>\n<li><em><strong>\uacbd\uc7c1\ubcf4\ub2e4 \ud611\ub825\uc774 \ub0ab\ub2e4<\/strong><\/em>\ud604\uc9c0 \uac70\ub300 \uae30\uc5c5\uacfc\uc758 \ud569\uc791 \ud22c\uc790(\uc608: \uc564\ud2b8 \uadf8\ub8f9\uc774 GCash\uc758 \ubaa8\ud68c\uc0ac\uc778 Mynt\uc5d0 \ub300\ud55c \uc9c0\ubd84 \ubcf4\uc720)<\/li>\n<li><em><strong>\ud558\uc774\ube0c\ub9ac\ub4dc \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8<\/strong><\/em>\uc2e0\uc6a9\uce74\ub4dc + \uc804\uc790\uc9c0\uac11 + OTC \ud604\uae08 \ucda9\uc804 \ub3d9\uc2dc \uc9c0\uc6d0<\/li>\n<li><em><strong>\uaddc\uc815 \uc900\uc218 \uc6b0\uc120<\/strong><\/em>::<br \/>\n- BSP, \ud574\uc678 \uacb0\uc81c \uae30\uad00\uc758 EMI \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad \uc758\ubb34\ud654(\uc804\uc790\ud654\ud3d0 \ubc1c\ud589\uc790)<br \/>\n- \ub370\uc774\ud130 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95(GDPR \ub4f1)\uc740 \uc0ac\uc6a9\uc790 \ub370\uc774\ud130\uc758 \uc0ac\uc6a9 \ubc29\ubc95\uc744 \uc81c\ud55c\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\uc77c\ubc18\uc801\uc778 \uacbd\uc6b0\uc785\ub2c8\ub2e4.<\/p>\n<ul>\n<li>\ud604\uc9c0 \uc740\ud589\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc9c0\uac11 \uad50\ud658\uc774 \uac00\ub2a5\ud55c GrabPay<\/li>\n<li>\ud544\ub9ac\ud540\uc744 \ud1b5\ud574 \ub3d9\ub0a8\uc544\uc2dc\uc544 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud55c Doku(\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774)<\/li>\n<\/ul>\n<hr>\n<p>VII. [\uc8fc\uc694 \uc804\ub9dd]<br \/>\n2025\ub144\uae4c\uc9c0 \uc2e0\uc6a9\uce74\ub4dc\ub97c \ucd94\uc6d4\ud560 \uc804\uc790\uc9c0\uac11 \uac70\ub798 \uc218<br \/>\nBNPL \uc2dc\uc7a5 \uaddc\ubaa8\ub294 \uc5f0\uac04 40%+(\ud604\uc7ac ~$500M)\uc758 \uc131\uc7a5\ub960\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<br \/>\nRBI\ub294 \ub300\ud615 \uac00\ub9f9\uc810\uc774 \ucd5c\uc18c 2\uac1c\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc218\ub2e8\uc744 \ud5c8\uc6a9\ud558\ub3c4\ub85d \uac15\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\uc815 \ubc29\ud5a5\uc758 \ub370\uc774\ud130\ub098 \uc0ac\ub840 \uc5f0\uad6c\ub97c \ub354 \uc790\uc138\ud788 \uc0b4\ud3b4\ubcf4\uace0 \uc2f6\uc73c\uc2e0\uac00\uc694? \uc608\ub97c \ub4e4\uc5b4 \ud2b9\uc815 \ub3c4\uc2dc\uc758 \uc778\uc218\uc728 \ube44\uad50\ub098 \ud2b9\uc815 \uc740\ud589\uc758 \ud601\uc2e0\uc801\uc778 \uc0c1\ud488\uc5d0 \ub300\ud55c \uc138\ubd80 \uc815\ubcf4\uac00 \ud544\uc694\ud558\uc2e0\uac00\uc694?<\/p>\n<h3><strong>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \uc778\uc0ac\uc774\ud2b8 \ubc0f \uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/h3>\n<h4><strong>1. \uc2e0\uc6a9\uce74\ub4dc \uc2dc\uc7a5\uc758 \uad6c\uc870\uc801 \uae30\ud68c<\/strong><\/h4>\n<p>\ub0ae\uc740 \ubcf4\uae09\ub960\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2e0\uc6a9\uce74\ub4dc\ub294 \ud2b9\uc815 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c \uc5ec\uc804\ud788 \ub300\uccb4\ud560 \uc218 \uc5c6\ub294 \uc874\uc7ac\uc785\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ud558\uc774\uc5d4\ub4dc \uc18c\ube44\uc790 \uc2dc\uc7a5<\/strong>\ub9c8\ub2d0\ub77c \ub3c4\uc2ec\uc758 \uace0\uae09 \ud638\ud154\uacfc \uad6d\uc81c \ube0c\ub79c\ub4dc \uc0c1\uc810(\uc608: BGC, \ub9c8\uce74\ud2f0)\uc740 \uc5ec\uc804\ud788 \uc2e0\uc6a9\uce74\ub4dc\ub85c \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud574\uc678 \uc5ec\ud589 \ubc0f \ud574\uc678 \uc774\ucee4\uba38\uc2a4<\/strong>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\uc758 \uae00\ub85c\ubc8c \ub124\ud2b8\uc6cc\ud06c\ub294 \ubd84\uba85\ud55c \uc7a5\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc73c\uba70 \ud2b9\ud788 \ud574\uc678 \uc628\ub77c\uc778 \uc1fc\ud551(\uc608: \uc544\ub9c8\uc874, \uc270)\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc740\ud589 \uc778\uc13c\ud2f0\ube0c \uc804\ub7b5<\/strong>\ud604\uc9c0 \uc740\ud589\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \uce74\ub4dc \uac1c\uc124\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4:\n<ul>\n<li><strong>\uc5f0\ud68c\ube44 \ubb34\ub8cc + \uccab \uc2a4\uc640\uc774\ud504 \uc2dc \uce90\uc2dc\ubc31 \uc81c\uacf5<\/strong>(\uc608: \uc5f0\ud68c\ube44 \uba74\uc81c \uc870\uac74\uc774 \uc790\uc720\ub85c\uc6b4 BPI \ube14\ub8e8 \ub9c8\uc2a4\ud130\uce74\ub4dc)<\/li>\n<li><strong>\ud560\ubd80 \uae08\ub9ac \ud61c\ud0dd<\/strong>(\uc77c\ubd80 \uce74\ub4dc\uc758 \uacbd\uc6b0 3\ud68c \ud560\ubd80 \uc2dc 0% \uc774\uc790)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h5><em>\ub3c4\uc804 \uacfc\uc81c \ub300\uc751 \ud504\ub85c\uadf8\ub7a8<\/em>::<\/h5>\n<ul>\n<li><strong>\uac00\uc0c1 \uce74\ub4dc \ud504\ub85c\ubaa8\uc158<\/strong>\ubcf4\uc548 \uc740\ud589 \ub4f1\uc5d0\uc11c\ub294 \uc2a4\ud0a4\ubc0d \uc704\ud5d8\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc77c\ud68c\uc6a9 \uac00\uc0c1 \uce74\ub4dc \ubc88\ud638 \uae30\ub2a5\uc744 \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em><strong>BNPL \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uce74\ub4dc<\/strong><\/em>(\uc2dc\ubc94 \uc6b4\uc601 \uc911): \uc2e0\uc6a9 \uc774\ub825\uc774 \ubd80\uc871\ud55c \uc0ac\uc6a9\uc790\uac00 \uc804\uc790\uc9c0\uac11 \uc9c0\ucd9c \ub370\uc774\ud130\ub97c \ud1b5\ud574 \uc900\uc2e0\uc6a9 \ud55c\ub3c4\ub97c \uc5bb\uc744 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h4><strong>\uc804\uc790\uc9c0\uac11 '\uce68\ubab0 \uc804\uc7c1'\uc758 \ud575\uc2ec \ud3ec\uc778\ud2b8 \ubd84\uc11d 2.<\/strong><\/h4>\n<p>GCash\uc758 \uacbd\uc7c1 \ucd08\uc810\uc740 \ub9c8\uc57c\uc640 \ud568\uaed8 \ud2f0\uc5b4 2 \ubc0f \ud2f0\uc5b4 3 \ub3c4\uc2dc\uc640 \ub18d\ucd0c \uc9c0\uc5ed\uc73c\ub85c \uc774\ub3d9\ud588\uc73c\uba70, \ud575\uc2ec \uc804\ub7b5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\uc804\uc220\uc801 \ucc28\uc6d0<\/strong><\/th>\n<th>GCash \uc774\uc810<\/th>\n<th>\ub9c8\uc57c \ub300\ucc45<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\uc624\ud504\ub77c\uc778 \ucc44\ub110<\/em><\/td>\n<td>\uae00\ub85c\ube0c \ud154\ub808\ucf64\uc758 70,000\uac1c \ub300\ub9ac\uc810 \ud65c\uc6a9<\/td>\n<td>\uc720\ub098\uc774\ud2f0\ub4dc \ud314\ub77c\uc644 \uc804\ub2f9\ud3ec(\uc804\ub2f9\ud3ec \uccb4\uc778\uc810)<\/td>\n<\/tr>\n<tr>\n<td><em>\uc815\ubd80 \ud611\ub825<\/em><\/td>\n<td>\uc0ac\ud68c\ubcf4\uc7a5\uc218\ub2f9 \uc9c0\uae09\uc744 \uc704\ud55c \ucc44\ub110 \uc911 \ud558\ub098\uac00 \ub418\uc138\uc694.<\/td>\n<td>\ub9c8\ub2d0\ub77c \uc2dc\uc815\ubd80 \uccad\uad6c\uc11c \uacb0\uc81c\ub97c \uc704\ud55c \ub3c5\uc810 \ud30c\ud2b8\ub108\uc2ed \uccb4\uacb0<\/td>\n<\/tr>\n<tr>\n<td><em>\uc0ac\uc6a9\uc790 \uad50\uc721<\/em>     \"GCash \ud398\ub77c \uc544\uc6b8\ub81b\" \uc624\ud504\ub77c\uc778 \uccb4\ud5d8 \ub9e4\uc7a5<\/td>\n<td>\uac8c\uc784\ud654\ub41c \ubcf4\ub108\uc2a4 \ubbf8\uc158 '\ub9c8\uc57c \ubbf8\uc158' \ucd9c\uc2dc<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h5><em>\uc7a0\uc7ac\uc801 \uac8c\uc784 \uccb4\uc778\uc800<\/em>::<\/h5>\n<ul>\n<li>Coins.ph(Web3 \uc0ac\uc6a9\uc790\ub4e4\uc774 \uc120\ud638\ud558\ub294 \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c\uc5d0 \uc911\uc810\uc744 \ub460)<\/li>\n<li>\ud574\uc678 \ud544\ub9ac\ud540 \uc740\ud589(OFBank)\uc758 \ub514\uc9c0\ud138 \uc740\ud589\uc774 \ub178\ub3d9 \uc1a1\uae08 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h4><strong>3. BSP \uaddc\uc815 \uac1c\ubc1c \ubc0f \uae30\uc5c5 \uaddc\uc815 \uc900\uc218 \ub808\ub4dc\ub77c\uc778<\/strong><\/h4>\n<p>2024\ub144\uc5d0 \uc8fc\ubaa9\ud574\uc57c \ud560 \uc815\ucc45 \ubcc0\uacbd \uc0ac\ud56d<\/p>\n<ol>\n<li><em><strong>\ub514\uc9c0\ud138 \ubc45\ud0b9 \uc790\ubcf8 \uc694\uac74<\/strong><\/em>\ucd5c\uc18c \ub4f1\ub85d \uc790\ubcf8\uae08\uc774 1\uc5b5 \ud398\uc18c\uc5d0\uc11c 5\uc5b5 \ud398\uc18c(\uc57d 4\uc5b5 9\ucc9c\ub9cc \uc6d0)\ub85c \uc0c1\ud5a5 \uc870\uc815\ub420 \uc218 \uc788\uc5b4 \uc911\uc18c \uaddc\ubaa8\uc758 \ud50c\ub808\uc774\uc5b4\uac00 \ud0c8\ub77d\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em><strong>\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uc5d0\uc2a4\uceec\ub808\uc774\uc158<\/strong><\/em>::\n<ul>\n<li>\ud558\ub8e8\uc5d0 \uc804\uc790\uc9c0\uac11 \uac70\ub798 \uae08\uc561\uc774 50,000P(\uc57d $900)\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0 \ucd94\uac00 \uc778\uc99d\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\uc6a9 \ub370\uc774\ud130 \uacf5\uc720 \uc2dc\uc2a4\ud15c\uc5d0 \ud3ec\ud568\ub420 BNPL \ud50c\ub7ab\ud3fc<\/li>\n<\/ul>\n<\/li>\n<li><em><strong>QR\ucf54\ub4dc \uc0c1\ud638 \uc5f0\uacb0<\/strong><\/em>::<br \/>\n2024\ub144 \ub9d0\uae4c\uc9c0 \ubaa8\ub4e0 \uacb0\uc81c \uc81c\uacf5\uc5c5\uccb4\uc758 QR Ph \ud45c\uc900 \uc0ac\uc6a9 \uc758\ubb34\ud654<\/li>\n<\/ol>\n<hr>\n<p>IX. [\uc2e4\uc804 \uc0ac\ub840] \uacb0\uc81c \uae30\uc5c5 \uc131\uacf5 \uacbd\ub85c \ud574\uccb4\ud558\uae30<\/p>\n<h4>\uc0ac\ub840 1: \uadf8\ub7a9\ud398\uc774\uac00 \ud544\ub9ac\ud540\uc5d0\uc11c \ud2b8\ub80c\ub4dc\ub97c \ubc14\uafbc \ubc29\ubc95<\/h4>\n<p>- <em>1\ub2e8\uacc4<\/em>(2018): \uc628\ub77c\uc778 \ub80c\ud130\uce74 \uc5c5\uacc4\uc758 \uc5c4\uaca9\ud55c \uacb0\uc81c \ub2c8\uc988\uc5d0 \uc9d1\uc911\ud558\uae30<br \/>\n- <em>2\ub2e8\uacc4<\/em>(2020): \uadf8\ub7a9\ud478\ub4dc \ud14c\uc774\ud06c\uc544\uc6c3\uacfc \uc81c\ud734\ud558\uc5ec \ud3d0\uc1c4\ud615 \uc5d0\ucf54 \ub8e8\ud504 \uad6c\ucd95<br \/>\n- <em>3\ub2e8\uacc4<\/em>(2022): SM \uc288\ud37c\ub9c8\ucf13\uacfc \uac19\uc740 \ud0c0\uc0ac \uc561\uc138\uc2a4\ub97c \uc704\ud55c \uc624\ud508 API<\/p>\n<p>\uc8fc\uc694 \uc758\uc0ac \uacb0\uc815.<br \/>\n\ubb34\ubd84\ubcc4\ud55c \ubcf4\uc870\uae08 \uc9c0\uae09\uc744 \uac70\ubd80\ud558\uace0, \uc790\uc5f0 \uc720\uc785 \ube48\ub3c4\uac00 \ub192\uc740 \uc7a5\uba74\uc744 \uc120\ud0dd\ud558\uc138\uc694.<br \/>\n\ud63c\ud569 \ud604\uae08 \uacb0\uc81c\uc758 \uc870\uae30 \uc218\uc6a9\uc744 \ud1b5\ud55c \uc2b5\uad00 \ud615\uc131<\/p>\n<h4>\uc0ac\ub8402: PayMaya \u2192 Maya\uc758 \ub9ac\ube0c\ub79c\ub529 \uc778\uc0ac\uc774\ud2b8<\/h4>\n<p>\uae30\uc874 \ubb38\uc81c\uc810: '\uc120\ubd88\uce74\ub4dc \ub3c4\uad6c'\ub85c \uac04\uc8fc, \uc7ac\ubb34\uc801 \ud2b9\uc131 \ubd80\uc871<br \/>\n\ud601\uc2e0\uc801\uc778 \uc791\uc5c5.<br \/>\n2022\ub144 \uc740\ud589 \uc608\uae08\/\ud380\ub4dc \uae30\ub2a5\uc758 \uba85\uce6d \ubcc0\uacbd \ubc0f \ud1b5\ud569 \uc608\uc815<br \/>\n\ud310\ub9e4\uc790 \ud68d\ub4dd \ud558\ub4dc\uc6e8\uc5b4 '\ub9c8\uc57c \ud130\ubbf8\ub110'\uc744 \ucd9c\uc2dc\ud588\uc2b5\ub2c8\ub2e4(\uc694\uae08\uc740 1.5%\uc5d0 \ubd88\uacfc).<br \/>\n\ud544\ub9ac\ud540 \ub0a8\uc790 \ub18d\uad6c \ub300\ud45c\ud300 \ud6c4\uc6d0\uc73c\ub85c \uad6d\uac00 \ube0c\ub79c\ub4dc \uc778\uc9c0\ub3c4 \ud5a5\uc0c1<\/p>\n<p>\ud6a8\uacfc: 6\uac1c\uc6d4 \ub9cc\uc5d0 \ud310\ub9e4\uc790 \uc218\uac00 300% \uc99d\uac00\ud55c 80\ub9cc \uba85 \uc774\uc0c1\uc73c\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p>X. \uc2e0\ud765 \uae30\uc220 \ud14c\uc2a4\ud2b8 \ubca0\ub4dc\uc5d0 \ub300\ud55c \uad00\ucc30<\/p>\n<ol>\n<li><em><strong>\ube14\ub85d\uccb4\uc778 \uc1a1\uae08<\/strong><\/em>:\n<ul>\n<li>\ub9ac\ud50c\ub137\uc744 \ud1b5\ud574 \uc77c\ubcf8-\ud544\ub9ac\ud540 \uc1a1\uae08 \uc2dc\uac04\uc744 30\ucd08 \ubbf8\ub9cc\uc73c\ub85c \ub2e8\ucd95\ud55c SBI Remit<\/li>\n<li>GCash, USDC \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc804\uc1a1 \ud14c\uc2a4\ud2b8 (BSP\uc758 \uc2e0\uc911\ud55c \ud0dc\ub3c4\ub85c \uc778\ud574 \uc81c\ud55c\ub428)<\/li>\n<\/ul>\n<\/li>\n<li><em><strong>AI \uc704\ud5d8 \uad00\ub9ac \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong><\/em><br \/>\n\ud648 \ud06c\ub808\ub527\uc740 \ube44 \uc804\ud1b5\uc801\uc778 \ub370\uc774\ud130(\ud734\ub300\ud3f0 \ubc30\ud130\ub9ac\/\uc0c1\ud658 \ubb38\uc790 \uba54\uc2dc\uc9c0\uc758 \uc758\ubbf8 \ubd84\uc11d)\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc18c\uc561 \ub300\ucd9c\uc744 \uc2b9\uc778\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<p>XI. \uad81\uadf9\uc758 \uace0\ubb38 - \ud604\uae08\uc740 \uc0ac\ub77c\uc9c8 \uac83\uc778\uac00?<br \/>\n\ub2e8\uae30(<strong>3\ub144 \uc774\ub0b4<\/strong>) \ub300\ub2f5\uc740 '\uc544\ub2c8\uc624'\uc785\ub2c8\ub2e4.<br \/>\n- <del>\ubb38\ud654\uc801 \uc694\uc778<\/del> :: \ud06c\ub9ac\uc2a4\ud53c \uba38\ub2c8 \uc804\ud1b5\uc740 \uae4a\uc219\uc774 \uc790\ub9ac \uc7a1\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- <del>\uacbd\uc81c \ud604\uc2e4<\/del> :: \uc804\uad6d\uc758 60% \ub178\ub3d9\uc790\ub294 \ube44\uacf5\uc2dd \uace0\uc6a9 \uc0c1\ud0dc(\uc815\uaddc \uc784\uae08 \ud750\ub984 \uc5c6\uc74c)\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \ud134\uc5b4\ub77c\uc6b4\ub4dc\uc758 \uc870\uc9d0\uc774 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u2705 \uc815\ubd80\ub294 31\ub9cc \ub2ec\ub7ec \uc774\uc0c1\uc758 \ud604\uae08 \uac70\ub798\uc5d0 \ub300\ud574 3.5%\uc758 \uc138\uc728\uc744 \ubd80\uacfc\ud560 \uacc4\ud68d\uc785\ub2c8\ub2e4(BIR \uc81c\uc548 \ub2e8\uacc4).<br \/>\n\u2705\uc8fc\uc694 \uc1fc\ud551\ubab0\uc5d0\uc11c \ud604\uae08 \ucde8\uae09 \uc2dc \ucd94\uac00 \uc694\uae08 \ubd80\uacfc \uc2dc\uc791<\/p>\n<hr>\n<p>\ucd94\uac00 \ud0d0\uc0c9\uc744 \uc704\ud55c \ucd94\ucc9c \ubc29\ud5a5.<br \/>\n\ud83d\udd0d \ub9c8\ub2d0\ub77c\uc640 \ub2e4\ubc14\uc624\uc2dc\uc758 \uc9c0\uc5ed\ubcc4 \uacb0\uc81c \uc2b5\uad00 \ucc28\uc774 \ube44\uad50<br \/>\n\ud83d\udca1 KOL \ub124\ud2f0\uc98c\uc744 \uc704\ud55c \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc218\uc9d1 \uc194\ub8e8\uc158\uc744 \uc124\uacc4\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<br \/>\n\ud83d\udcca\uc624\ud508 \ud30c\uc774\ub0b8\uc2a4\uc758 \ud2c0 \uc548\uc5d0\uc11c \uc18c\uc0c1\uacf5\uc778 \ubc0f \uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ud601\uc2e0\uc801\uc778 \uc2e0\uc6a9 \ubaa8\ub378 \uac1c\ubc1c<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc2e0\uc6a9\uce74\ub4dc \ubcf4\uae09\ub960\uc774 \uc810\ucc28 \uc99d\uac00\ud558\uba74\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc9c0\ub9cc, \ud604\uae08\uc740 ...<\/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":[32],"tags":[],"class_list":["post-3114","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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