{"id":3124,"date":"2025-05-31T21:52:34","date_gmt":"2025-05-31T13:52:34","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3124"},"modified":"2025-05-31T21:52:34","modified_gmt":"2025-05-31T13:52:34","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%ae%80%e4%bb%8b%ef%bc%9agcash%e3%80%81maya%e7%ad%89%e4%b8%bb%e6%b5%81%e5%b9%b3%e5%8f%b0","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/31\/%e8%8f%b2%e5%be%8b%e5%ae%be%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%ae%80%e4%bb%8b%ef%bc%9agcash%e3%80%81maya%e7%ad%89%e4%b8%bb%e6%b5%81%e5%b9%b3%e5%8f%b0\/","title":{"rendered":"\ud544\ub9ac\ud540\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc18c\uac1c: GCash, Maya \ubc0f \uae30\ud0c0 \uc8fc\ub958 \ud50c\ub7ab\ud3fc"},"content":{"rendered":"<h1>\ud544\ub9ac\ud540\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc18c\uac1c: GCash, Maya \ubc0f \uae30\ud0c0 \uc8fc\ub958 \ud50c\ub7ab\ud3fc<\/h1>\n<h2>\ud544\ub9ac\ud540 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n<p>\ud544\ub9ac\ud540\uc758 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0b0\uc5c5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ud06c\uac8c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \ud544\ub9ac\ud540\uc740 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc778\uad6c\uac00 1\uc5b5 \uba85\uc774 \ub118\ub294 \uad6d\uac00\ub85c\uc11c \uc7a0\uc7ac\uc801\uc778 \uc0ac\uc6a9\uc790\uce35\uc774 \ub9e4\uc6b0 \ub113\uc2b5\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc774 \uc99d\uac00\ud558\uace0 \uc778\ud130\ub137 \uc778\ud504\ub77c\uac00 \uac1c\uc120\ub428\uc5d0 \ub530\ub77c \uc810\uc810 \ub354 \ub9ce\uc740 \ud544\ub9ac\ud540 \uc0ac\ub78c\ub4e4\uc774 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \ubc1b\uc544\ub4e4\uc774\uace0 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ud544\ub9ac\ud540\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uac70\ub798\ub294 2023\ub144\uc5d0 \uc57d 800\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc5f0\uac04 \uc131\uc7a5\ub960 201% \uc774\uc0c1\uc744 \uc720\uc9c0\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube60\ub978 \uc131\uc7a5\uc740 \uae08\uc735 \ud3ec\uc6a9\uc744 \ucd09\uc9c4\ud558\ub824\ub294 \uc815\ubd80 \uc815\ucc45\uacfc \ud32c\ub370\ubbf9 \uae30\uac04 \ub3d9\uc548 \ube44\uc811\ucd09 \uacb0\uc81c\uc5d0 \ub300\ud55c \uae34\uae09\ud55c \ud544\uc694\uc131 \ub355\ubd84\uc785\ub2c8\ub2e4.<\/p>\n<h2>GCash: \uc2dc\uc7a5 \ub9ac\ub354 \ubd84\uc11d<\/h2>\n<h3>GCash \uac1c\ubc1c \uc5f0\ud601 \ubc0f \ud604\ud669<\/h3>\n<p>\uae00\ub85c\ube0c \ud154\ub808\ucf64\uc758 \uc790\ud68c\uc0ac\uc778 Mynt\uac00 2004\ub144\uc5d0 \ucd9c\uc2dc\ud55c GCash\ub294 \ud604\uc7ac \ud544\ub9ac\ud540\uc5d0\uc11c \uac00\uc7a5 \ud070 \ubaa8\ubc14\uc77c \uc9c0\uac11 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc785\ub2c8\ub2e4. 2023\ub144 \ud604\uc7ac GCash\ub294 6\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc758 \ub4f1\ub85d \uc0ac\uc6a9\uc790\uc640 5\ubc31\ub9cc \uba85\uc758 \ud310\ub9e4\uc790 \ud30c\ud2b8\ub108\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\ud575\uc2ec \uae30\ub2a5 \ubc0f \uc11c\ube44\uc2a4 \ud2b9\uc9d5<\/h3>\n<p>GCash\ub294 \ud3ec\uad04\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc1a1\uae08 \uc774\uccb4<\/strong>\uc740\ud589 \uacc4\uc88c \uac04 \uc989\uc2dc \uc774\uccb4 \ubc0f \uac1c\uc778 \uac04 \uc774\uccb4 \uc9c0\uc6d0<\/li>\n<li><strong>\uccad\uad6c\uc11c \uacb0\uc81c<\/strong>\uacf5\uacfc\uae08, \uc804\ud654 \uc694\uae08, \uc2e0\uc6a9\uce74\ub4dc \uacb0\uc81c \ubc0f \uae30\ud0c0 \uc77c\uc0c1\uc801\uc778 \uc9c0\ubd88\uc744 \ucc98\ub9ac\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uacb0\uc81c\ud560 \ucf54\ub4dc \uc2a4\uce94<\/strong>QR \ucf54\ub4dc\ub97c \ud1b5\ud574 \ub85c\uc5f4\ud2f0 \uac00\ub9f9\uc810\uc5d0\uc11c \ud604\uae08 \uc5c6\ub294 \uac70\ub798 \uc644\ub8cc<\/li>\n<li><strong>\ud22c\uc790 \uad00\ub9ac<\/strong>\uba38\ub2c8 \ud380\ub4dc, \ubcf4\ud5d8 \uc0c1\ud488 \ub4f1\uacfc \uac19\uc740 \uac04\ub2e8\ud55c \uae08\uc735 \uc0c1\ud488 \uc81c\uacf5<\/li>\n<li><strong>\uad6d\uc81c \uc1a1\uae08<\/strong>\uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628\uacfc \uc81c\ud734\ud558\uc5ec \ud574\uc678 \uc1a1\uae08 \uc11c\ube44\uc2a4 \uc81c\uacf5<\/li>\n<\/ul>\n<h3>\uacbd\uc7c1 \uc6b0\uc704 \ubc0f \uae30\uc220\uc801 \ud2b9\uc9d5<\/h3>\n<p>GCave\ub294 \uace0\uae09 \uc554\ud638\ud654 \uae30\uc220\uc744 \uc0ac\uc6a9\ud558\uc5ec \uac70\ub798\ub97c \ubcf4\ud638\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\uc0dd\uccb4 \uc778\uc99d(\uc9c0\ubb38\/\uc5bc\uad74 \uc778\uc2dd)<\/li>\n<li>\uc2e4\uc2dc\uac04 \uc0ac\uae30 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c<\/li>\n<li>PCI-DSS \uc900\uc218 \ubcf4\uc548 \ud45c\uc900<\/li>\n<li>\uc2a4\ub9c8\ud2b8\ud3f0\uc774 \uc5c6\ub294 \uc0ac\uc6a9\uc790 \uadf8\ub8f9\uc5d0 USSD \ucf54\ub4dc \uc11c\ube44\uc2a4 \uc81c\uacf5<\/li>\n<\/ol>\n<h2>Maya(\uc774\uc804 PayMaya): \uac15\ub825\ud55c \uacbd\uc7c1\uc0ac \ud504\ub85c\ud30c\uc77c\ub9c1<\/h2>\n<h3>\ub9c8\uc57c \ud601\uc2e0 \ubc0f \uac1c\ubc1c \uc804\ub7b5<\/h3>\n<p>\ud398\uc774\ub9c8\uc57c\ub85c \uc54c\ub824\uc84c\ub358 \ub9c8\uc57c\ub294 2022\ub144 \ube0c\ub79c\ub4dc \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc644\ub8cc\ud55c \ud6c4 \ube60\ub974\uac8c \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ud50c\ub7ab\ud3fc\uc740 \ubcf4\uc774\uc800 \uc774\ub178\ubca0\uc774\uc158\uc2a4\uac00 \uc6b4\uc601\ud558\uba70, PLDT \uadf8\ub8f9\uc774 \uc8fc\uc694 \uc8fc\uc8fc\ub85c \ucc38\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>\ucc28\ubcc4\ud654\ub41c \uc81c\ud488 \ub9e4\ud2b8\ub9ad\uc2a4:<\/h3>\n<ol>\n<li><strong>\ub9c8\uc57c \uc6d4\ub81b<\/strong> - \ubaa8\ub4e0 \uae30\ub2a5\uc744 \uac16\ucd98 \ub514\uc9c0\ud138 \uc9c0\uac11 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/li>\n<li><strong>\ub9c8\uc57c \uc740\ud589<\/strong> - \ub77c\uc774\uc120\uc2a4 \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc11c\ube44\uc2a4(\ucd5c\ub300 6%\uc758 \uc800\ucd95 \uacc4\uc88c \uae08\ub9ac)<\/li>\n<li><strong>\ub9c8\uc57c \ube44\uc988\ub2c8\uc2a4<\/strong> - B\uce21 \ud310\ub9e4\uc790 \uc194\ub8e8\uc158 \uc81c\ud488\uad70(POS \uc2dc\uc2a4\ud15c \ubc0f \uc7ac\uace0 \uad00\ub9ac \ud3ec\ud568)<\/li>\n<\/ol>\n<h3>\ub9c8\uc57c\uc758 \ud601\uc2e0\uc801 \uc6b0\uc704:<\/h3>\n<p>- \"\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \uacb0\uc81c\"(BNPL) \uc18c\ube44\uc790 \uc2e0\uc6a9 \uc0c1\ud488<br \/>\n- QRPh \uad6d\uac00 \ud45c\uc900 QR \ucf54\ub4dc \uc0c1\ud638 \uc6b4\uc6a9\uc131<br \/>\n- \uc554\ud638\ud654\ud3d0 \uac70\ub798 \ud30c\uc77c\ub7ff \ud504\ub85c\uc81d\ud2b8<\/p>\n<h2>Coins.ph\uc640 \ub2e4\ub978 \uc9c0\uc5ed \ud50c\ub808\uc774\uc5b4\uc758 \ube44\uad50 \ubd84\uc11d<\/h2>\n<p>\ube14\ub85d\uccb4\uc778 \uae30\uc220\uc5d0 \uc911\uc810\uc744 \ub454 \ub85c\uceec \ud50c\ub7ab\ud3fc\uc73c\ub85c\uc11c \ub2e4\uc74c\uacfc \uac19\uc740 \ud2b9\uc9d5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\nBTC\/ETH \ubc0f \uae30\ud0c0 \ub514\uc9c0\ud138 \ud1b5\ud654 \uad6c\ub9e4 \ubc0f \ud310\ub9e4 \ucc44\ub110<br \/>\n\uc804\uc790 \ud604\uae08 \uae30\ub2a5\uc744 \uc704\ud55c \ud1b5\uc2e0\uc0ac \ud3ec\uc778\ud2b8<br \/>\n\uadf8\ub7a9 \ucf54\ud37c\ub808\uc774\ud2b8 \ub4dc\ub77c\uc774\ubc84 \uc804\uc6a9 \uae08\uc735 \uc11c\ube44\uc2a4 \ud328\ud0a4\uc9c0<\/p>\n<p>\uc2f1\uac00\ud3ec\ub974\uc758 Sea Group\uc774 \ud22c\uc790\ud55c ShopeePay\uc640 \ube44\uad50\ud574\ubcf4\uc2ed\uc2dc\uc624.<br \/>\n\uc804\uc790\uc0c1\uac70\ub798 \uc2dc\ub098\ub9ac\uc624\uc758 \uc2ec\uce35 \ud1b5\ud569(Shoppee Mall)<br \/>\n'\ubb34\ub8cc \ubc30\uc1a1 \ucfe0\ud3f0 + \uce90\uc2dc\ubc31' \uacb0\ud569 \ub9c8\ucf00\ud305 \uc804\ub7b5<\/p>\n<p>\ud3b8\uc758\uc810 \uccb4\uc778 \uc138\ube10\uc77c\ub808\ube10\uc758 CLiQQ \uc6d4\ub81b\uc740 \ud3d0\uc1c4\ud615 \uc624\ud504\ub77c\uc778 \uc18c\ub9e4 \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \uc911\uc810\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p><em>\ud45c : \uc138 \ud50c\ub7ab\ud3fc\uc758 \uc8fc\uc694 \uc9c0\ud45c \ube44\uad50(2023\ub144 2\ubd84\uae30)<\/em><\/p>\n<table>\n<thead>\n<tr>\n<th>\ud45c\uc900<\/th>\n<th>GCash<\/th>\n<th>Maya<\/th>\n<th>Coins.ph<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>MAU(\uc6d4\uac04 \ud65c\ub3d9)<\/td>\n<td>4800\ub9cc<\/td>\n<td>2,800\ub9cc<\/td>\n<td>9\ubc31\ub9cc<\/td>\n<\/tr>\n<tr>\n<td>\uc5f0\uac04 \ucc98\ub9ac \uae08\uc561<\/td>\n<td>$65\uc5b5<\/td>\n<td>$ 32\uc5b5<\/td>\n<td>$85\uc5b5<\/td>\n<\/tr>\n<tr>\n<td>\ud310\ub9e4\uc790 \ubc94\uc704(%)<\/td>\n<td>78%  54%   32%<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h2>[H2] \uaddc\uc81c \ud658\uacbd \ubc0f \uc0b0\uc5c5 \ud45c\uc900\ud654 \ud504\ub85c\uc138\uc2a4<\/h2>\n<p>\ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589\uc778 \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc815\ucc45 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ucd94\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\nInstaPay \uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c(\uac70\ub798\ub2f9 \ud55c\ub3c4 \u20b150,000) \u2192 \uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c(\uac70\ub798\ub2f9 \ud55c\ub3c4 \u20b150,000)<br \/>\n\u2192 \ub300\uaddc\ubaa8 \ud2b8\ub79c\uc7ad\uc158 \ucc98\ub9ac\ub97c \uc704\ud55c PESONet \uc77c\uad04 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c<br \/>\n\u2192 QR Ph \uad6d\uac00 \ud45c\uc900 \ud1b5\ud569 \uad6d\uac00 QR\ucf54\ub4dc \ud615\uc2dd<\/p>\n<p>\uc8fc\uc694 \uaddc\uc81c \ub9c8\uc77c\uc2a4\ud1a4\uc5d0\ub294 \ud601\uc2e0\uc801\uc778 \uae30\uc5c5\uc774 \uc131\uc7a5\ud560 \uc218 \uc788\ub3c4\ub85d \uaddc\uc815 \uc900\uc218 \uacbd\ub85c\ub97c \uc81c\uacf5\ud558\ub294 \uad6d\uac00 \uc18c\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ubc95\uacfc \ud540\ud14c\ud06c \uc0cc\ub4dc\ubc15\uc2a4 \uac00\uc774\ub4dc\ub77c\uc778\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n<hr>\n<p>[H2] \uc0ac\uc6a9\uc790 \uacbd\ud5d8 \ubc0f \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \uc2ec\uce35 \ubd84\uc11d<\/p>\n<p>\uc18c\ube44\uc790 \uad00\uc810\uc5d0\uc11c \ud3c9\uac00\ud55c \ud50c\ub7ab\ud3fc \uac04 NPS \uc21c \ucd94\ucc9c \uc218\uce58\ub97c \ucc28\ubcc4\ud654\ud558\ub294 \uc694\uc18c\uc785\ub2c8\ub2e4.<\/p>\n<p>\u2705 UI \uc778\ud130\ud398\uc774\uc2a4 \ud604\uc9c0\ud654 \ub514\uc790\uc778(\ud0c0\uac08\ub85c\uadf8\uc5b4 \ubc29\uc5b8 \uc9c0\uc6d0 \uc218\uc900)<br \/>\n\u2705 OTP \uc720\ud6a8\uc131 \uac80\uc0ac \ud504\ub85c\uc138\uc2a4 \ucd5c\uc801\ud654 \uc218\uc900<br \/>\n\u2705 \uc624\ud504\ub77c\uc778 \uc624\ud504\ub77c\uc778 \ubaa8\ub4dc \uc0ac\uc6a9 \uac00\ub2a5<\/p>\n<p>\ubc31\uc5d4\ub4dc \uc778\ud504\ub77c\uc758 \uacbd\uc6b0.<br \/>\n- GCave\ub294 AWS \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc544\ud0a4\ud14d\ucc98\ub97c \uc0ac\uc6a9\ud558\uc5ec \ub192\uc740 \ub3d9\uc2dc\uc131\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n- \ub370\uc774\ud130 \uc8fc\uad8c \uc900\uc218\ub97c \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc790\uccb4 \ud558\uc774\ube0c\ub9ac\ub4dc \ud074\ub77c\uc6b0\ub4dc\ub97c \uad6c\ucd95\ud558\ub294 Maya<br \/>\n- \ud558\uc774\ud37c\ub808\uc800\ub85c \ube14\ub85d\uccb4\uc778 \ud6a8\uc728\uc131\uc744 \ub192\uc774\ub294 Coins.ph<\/p>\n<hr>\n<p>[H2] \uc0ac\uc5c5 \ud655\uc7a5 \ubc0f \ud611\ub825 \uc0dd\ud0dc\uacc4 \uad6c\ucd95 \uc0ac\ub840 \uc5f0\uad6c<\/p>\n<p>\uad6d\uac00 \uac04 \ud611\ub825\uc758 \uc77c\ubc18\uc801\uc778 \ubaa8\ub378\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<br \/>\n1\ufe0f\u20e3 GChatch + \ub9e5\ub3c4\ub0a0\ub4dc: \ub3c5\uc810 \ucfe0\ud3f0 \ubc30\ud3ec \ucc44\ub110<br \/>\n2\ufe0f\u20e3 MayaxSM \ubc31\ud654\uc810: \uba64\ubc84\uc2ed \ud3ec\uc778\ud2b8 \uc591\ubc29\ud5a5 \uc0ac\uc6a9 \uc2dc\uc2a4\ud15c<br \/>\n3\ufe0f\u20e3 \ucf54\uc778\uc2a4\ud53c\uc5b4 + AXA \ubcf4\ud5d8: \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8 \uae30\ubc18 \uc18c\uc561 \ubcf4\ud5d8 \uc0c1\ud488<\/p>\n<hr>\n<p>[HOW TO] \uad6d\uc678 \uac70\uc8fc\uc790 \uc0ac\uc6a9\uc790 \uac00\uc774\ub4dc(\ub2e8\uacc4\ubcc4 \uc9c0\uce68)<\/p>\n<p>1\ub2e8\uacc4 \uc801\uc808\ud55c \uc9c0\uac11 \uc720\ud615 \uc120\ud0dd \u2192 5\ub2e8\uacc4 \ubcf4\uc548 \uc124\uc815 \uad8c\uc7a5 \uc0ac\ud56d \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u26a0\ufe0f \uc5ec\uad8c\/KYC \uc790\ub8cc \uc900\ube44 \uc9c0\uc810<br \/>\n\u26a0\ufe0f \uc678\ud658 \uad50\ud658 \ucd5c\uc801 \uc804\ub7b5 (GCash USD \ucda9\uc804 \ud658\uc728 \ub300 \ub9c8\uc57c \ud658\uc728)<br \/>\n\u26a0\ufe0f \uc804\ud654 \ucda9\uc804\uc758 \uc77c\ubc18\uc801\uc778 \ubb38\uc81c\ub97c \ud574\uacb0\ud558\ub294 \ubc29\ubc95<\/p>\n<hr>\n<p>[\ud2b8\ub80c\ub4dc \uc804\ub9dd] \ud5a5\ud6c4 3\ub144\uac04\uc758 \uae30\uc220 \uc9c4\ud654 \ubc29\ud5a5\uc5d0 \ub300\ud55c \uc608\uce21 \ud83d\ude80<\/p>\n<p>Web30 \ucee8\ubc84\uc804\uc2a4 \ud2b8\ub80c\ub4dc.<br \/>\nDID \ud0c8\uc911\uc559\ud654 \uc2e0\uc6d0 \uc99d\uba85 \uc2dc\ubc94 \ud504\ub85c\uc81d\ud2b8<br \/>\nCBDC \ub514\uc9c0\ud138 \ud654\ud3d0 \ube0c\ub9bf\uc9c0 \ud14c\uc2a4\ud2b8<br \/>\n\uc0dd\uccb4\uc778\uc2dd \uc6e8\uc5b4\ub7ec\ube14 \ub514\ubc14\uc774\uc2a4 \uc13c\uc11c\ub9ac\uc2a4 \uacb0\uc81c \ud504\ub85c\ud1a0\ud0c0\uc774\ud551<\/p>\n<p>\uc774 \uc804\ubb38\uc801\uc778 \ubd84\uc11d\uc740 \ucd5c\uc2e0 BSP \ud1b5\uacc4 \uc5c5\ub370\uc774\ud2b8\ub97c \ucd94\uc801\ud569\ub2c8\ub2e4. \uc774 \ud398\uc774\uc9c0\ub97c \ubd81\ub9c8\ud06c\uc5d0 \ucd94\uac00\ud558\uc5ec \uc815\uae30\uc801\uc73c\ub85c \uac1c\uc815 \uc0ac\ud56d\uc744 \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4!<\/p>\n<h2>\ud544\ub9ac\ud540 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc2dc\uc7a5\uc758 \ub3c4\uc804\uacfc \uae30\ud68c<\/h2>\n<h3>\uae30\uc874\uc758 \uc8fc\uc694 \uacfc\uc81c \ubd84\uc11d<\/h3>\n<p>\ud544\ub9ac\ud540 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc0b0\uc5c5\uc740 \ube60\ub978 \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uc5ec\ub7ec \uac00\uc9c0 \uc7a5\uc560\ubb3c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\uc778\ud504\ub77c \uc81c\uc57d<\/strong><\/p>\n<ul>\n<li>\uc678\ub534 \uc9c0\uc5ed\uc758 \ubd88\uc548\uc815\ud55c \ub124\ud2b8\uc6cc\ud06c \ucee4\ubc84\ub9ac\uc9c0(\uc804\uad6d \uad11\ub300\uc5ed \ubcf4\uae09\ub960\uc740 65%\uc5d0 \ubd88\uacfc)<\/li>\n<li>\ud53c\ucc98\ud3f0 \uc0ac\uc6a9\uc790 \ube44\uc911\uc740 \uc5ec\uc804\ud788 \uc804\uccb4 \uc778\uad6c\uc758 281%\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/li>\n<li>NFC \ub2e8\ub9d0\uae30 \uc7a5\ube44\ub294 \ubc30\ud3ec \ube44\uc6a9\uc774 \ub9ce\uc774 \ub4ed\ub2c8\ub2e4(\ud310\ub9e4\uc790 \uce21 \ud3c9\uade0 \u20b115,000\/\ub300).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc0ac\uc6a9\uc790 \uc2b5\uad00 \uc7a5\ubcbd<\/strong><\/p>\n<ul>\n<li>\ud604\uae08 \uc758\uc874\ub3c4\uac00 \ub450\ub4dc\ub7ec\uc9d0(\ud604\uae08 \uac70\ub798 \ube44\uc728\uc740 72%\ub85c \uc720\uc9c0\ub428)<\/li>\n<li>'\ub514\uc9c0\ud138 \uaca9\ucc28'\ub294 \uc138\ub300\ubcc4 \ucc28\uc774(45\uc138 \uc774\uc0c1 \uc5f0\ub839\ub300\uc5d0\uc11c 40% \ucc44\ud0dd\ub960 \ubbf8\ub2ec)\ub85c \ub098\ud0c0\ub0a9\ub2c8\ub2e4.<\/li>\n<li>\uc804\uc790 \uac70\ub798\uc758 \uc2e0\ub8b0 \uacb0\ud54d \ubb38\uc81c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uaddc\uc81c \uc900\uc218 \uc555\ub825<\/strong><\/p>\n<ul>\n<li>AMLC AML \ubcf4\uace0 \uc694\uac74\uc758 \uc6b4\uc601 \ubd80\ub2f4<\/li>\n<li>\ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc\ubc95 \ub370\uc774\ud130 \ud604\uc9c0\ud654 \ubc0f \uc800\uc7a5 \uc694\uac74<br \/>\n\uad6d\uacbd \uac04 \uc790\ubcf8 \ud750\ub984\uc5d0 \ub300\ud55c \uc5c4\uaca9\ud55c \ud1b5\uc81c \uc815\ucc45<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\uc7a0\uc7ac\uc801 \uc131\uc7a5 \uae30\ud68c \ud65c\uc6a9<\/h3>\n<h4>A. \uc138\ubd84\ud654\uc758 \ube14\ub8e8\uc624\uc158<\/h4>\n<ul>\n<li><strong>\ud574\uc678 \uadfc\ub85c\uc790 \uc1a1\uae08<\/strong>2022\ub144 OFW \uc1a1\uae08\uc561\uc740 \ucd1d 1\uc870 4\ucc9c 361\uc5b5 \ub2ec\ub7ec\uc774\uc9c0\ub9cc \ub514\uc9c0\ud138 \ucc44\ub110 \ubcf4\uae09\ub960\uc740 301\uc5b5 \ub2ec\ub7ec \ubbf8\ub9cc\uc785\ub2c8\ub2e4.<\/li>\n<li><strong>\uc18c\uae30\uc5c5 \ubc0f \uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \uc2e0\uc6a9<\/strong>:: 580\ub9cc \uac1c\uc758 \uc911\uc18c\uae30\uc5c5 \uc911 121\uac1c TP3T\ub9cc\uc774 \uacf5\uc2dd\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc815\ubd80 \ubcf4\uc870\uae08 \uc9c0\uae09<\/strong>\ud310\ud0c0\uc704\ub4dc \ud30c\ubbf8\uc591 \ud504\ub85c\uadf8\ub7a8: 2,200\ub9cc \uba85\uc758 \ube48\uace4\uce35\uc744 \uc704\ud55c \ud504\ub85c\uadf8\ub7a8<\/li>\n<\/ul>\n<h4>B. \uae30\uc220 \uc735\ud569 \ubc0f \ud601\uc2e0<\/h4>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD <br>\r\nA [5G \ub124\ud2b8\uc6cc\ud06c \ud655\uc7a5] --&gt; B (AR \uac00\uc0c1 \uc9c0\uac11 \uccb4\ud5d8)<br>\r\nC [\uc704\uc131 \uc778\ud130\ub137] --&gt; D (\uc12c \ubc16 \uae08\uc735 \ud3ec\ud568)<br>\r\nE [\uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8] --&gt; F(\uc790\ub3d9 \uccad\uad6c\uc11c \ubd84\ud560 \uc2dc\uc2a4\ud15c)<br>\r\n<\/code><\/pre>\n<h4>C. \uc0dd\ud0dc\uc801 \uc2dc\ub108\uc9c0 \uc0ac\ub840 \uae30\ubc18:<\/h4>\n<ul>\n<li>GCash, BPI \uc740\ud589\uacfc \uacc4\uc815 \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uacc4\uc57d \uccb4\uacb0<\/li>\n<li>\ub9c8\uc57c, \uadf8\ub7a9 \ub4dc\ub77c\uc774\ubc84 \uc218\uc775 \uad00\ub9ac \uc2dc\uc2a4\ud15c \ud1b5\ud569<\/li>\n<li>Coins.ph\ub294 \ud504\ub9ac\ub79c\uc11c\ub97c \uc704\ud55c USDT \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h2>[H3] \uc18c\ube44\uc790 \ud589\ub3d9 \uc5f0\uad6c\uc758 \uc8fc\uc694 \uacb0\uacfc<\/h2>\n<p>2023\ub144 \ub2d0\uc2a8 \uc124\ubb38\uc870\uc0ac \ubcf4\uace0\uc11c:<\/p>\n<p>\u25b8 <strong>\ube48\ubc88\ud55c \uc0ac\uc6a9 \uc2dc\ub098\ub9ac\uc624 TOP3<\/strong>::<br \/>\n1\ufe0f\u20e3 \ud734\ub300\ud3f0 \ucda9\uc804(\uac70\ub798\ub7c9 42%)<br \/>\n2\ufe0f\u20e3 P2P \uc1a1\uae08(\ud2b9\ud788 \uc790\ub140 \uad50\uc721\ube44)<br \/>\n3\ufe0f\u20e3 \uc0ac\ub9ac\uc0ac\ub9ac \uc2a4\ud1a0\uc5b4 \uc18c\uc561 \uad6c\ub9e4<\/p>\n<p>\u25b8 <strong>\uc120\ud0dd \uc694\uc18c\uc758 \uac00\uc911\uce58 \ubd84\ud3ec<\/strong>::<br \/>\n- \uc218\uc218\ub8cc \ud22c\uba85\uc131(35%)<br \/>\n- UI \uc0ac\uc6a9 \ud3b8\uc758\uc131(28%)<br \/>\n-\ud504\ub85c\ubaa8\uc158 \ud65c\ub3d9 \uac15\ub3c4(22%)<\/p>\n<p>\u25b8 <strong>\uc548\uc804 \ubb38\uc81c \ub9e4\ud551<\/strong>::<br \/>\nSIM \ud558\uc774\uc7ac\ud0b9 \uc0ac\uac74\uc73c\ub85c 231\uba85\uc758 TP3T \uc0ac\uc6a9\uc790 \uc815\uc9c0 \uc870\uce58<br \/>\n\uac00\uc9dc \uace0\uac1d \uc11c\ube44\uc2a4 \uc0ac\uae30\ub85c \uc778\ud574 \uc5f0\ud3c9\uade0 2\uc5b5 3\ucc9c\ub9cc \ud30c\uc6b4\ub4dc\uc758 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<h2>[H2] \ud310\ub9e4\uc790 \uce21 \ucc44\ud0dd\uc5d0 \ub300\ud55c \uc2ec\uce35 \uc5f0\uad6c<\/h2>\n<h3>SMB \ucc44\ud0dd \uace1\uc120 \ud2b9\uc131:<\/h3>\n<pre><code class=\"language-stata\">*\ud328\ub110 \ub370\uc774\ud130 \ud68c\uadc0 \uacb0\uacfc\uac00 \ud45c\uc2dc\ub429\ub2c8\ub2e4*.<br>\r\nxtreg \ucc44\ud0dd\ub960 i.year#i.province, fe vce(\ud074\ub7ec\uc2a4\ud130 \ubc14\ub791\uac00\uc774)<br>\r\n<br>\r\n\uacb0\uacfc\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br>\r\n\u2192 NCR \uc9c0\uc5ed\uc5d0\uc11c \uc6d4 8,200\uac1c \uac00\ub9f9\uc810 \ucd94\uac00 \ud655\ubcf4 <br>\r\n\u2192 \ube44\uc0ac\uc57c \uc9c0\uc5ed \uc131\uc7a5\ub960\uc774 \ucc98\uc74c\uc73c\ub85c 20%\ub97c \ub3cc\ud30c\ud588\uc2b5\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>\n<h3>POS \ud1b5\ud569\uc758 \ubb38\uc81c\uc810 \uc21c\uc704:<\/h3>\n<ol>\n<li>\uc815\uc0b0 \uc8fc\uae30 \uc9c0\uc5f0(T+3 \uc77c\ubc18\ud654)<br \/>\n2 \ud83d\udcb0 \ubcf5\uc7a1\ud55c \ub2e8\uacc4\ubcc4 \uc694\uae08 \uad6c\uc870<br \/>\n3 \ud83d\udcf6 \uc624\ud504\ub77c\uc778 \ubaa8\ub4dc \uae30\ub2a5 \uc7a5\uc560<\/li>\n<\/ol>\n<h3>\uc131\uacf5 \uc0ac\ub840 \uc608\uc2dc.<\/h3>\n<p>\u2714\ufe0fJollibee GCash \uc5d4\ud130\ud504\ub77c\uc774\uc988 \uc5d0\ub514\uc158\uc744 \ud1b5\ud55c 98% \uc2a4\ud1a0\uc5b4\uc6a9 \ub514\uc9c0\ud138 \uc870\uc815<br \/>\n\u2714\ufe0f \ud314\ub81d\ucf00 \ud038 \ud504\ub85c\uc81d\ud2b8\uc5d0\uc11c 6000\uba85\uc758 \ud478\ub4dc \ub9c8\ucf13 \ub178\uc810\uc0c1\uc5d0\uac8c \ub9c8\uc57c QR\ucf54\ub4dc \uc0ac\uc6a9\ubc95\uc744 \uad50\uc721\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<h2>[\uc804\ub7b5 \uad8c\uc7a5 \uc0ac\ud56d] \uc2e4\ubb34\uc790 \uac1c\ubc1c \ub85c\ub4dc\ub9f5<\/h2>\n<p>\ub2e4\uc591\ud55c \uaddc\ubaa8\uc758 \ucc38\uac00\uc790\uc5d0\uac8c\ub294 \ucc28\ubcc4\ud654\ub41c \uc804\ub7b5\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud83d\udd35 <em>\uc2dc\uc7a5 \ub9ac\ub354<\/em> (\uc608: GCash).<br \/>\nDeFi \uc81c\ud488 \ub7a9 \uad6c\ucd95<br \/>\nBNPL \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubaa8\ub378 \ucd5c\uc801\ud654<br \/>\nGCC \uc544\uc138\uc548 \uad6d\uacbd \uac04 \uacb0\uc81c \uc5f0\ud569<\/p>\n<p>\ud83d\udfe2 <em>\ucc4c\ub9b0\uc800<\/em> (\uc608: \ub9c8\uc57c).<br \/>\n\u25b6\ufe0f Web3 \uc6d4\ub81b \uc751\ubaa8 \uce74\ub4dc \ubc30\ud2c0<br \/>\n\u25b6\ufe0f \ub514\uc9c0\ud138 \ubc45\ud0b9 \ub77c\uc774\uc120\uc2a4 \uac00\uce58 \uc2ec\uce35 \ubd84\uc11d<br \/>\n\u25b6\ufe0f \uc911\uc18c\uae30\uc5c5 SaaS \ubd80\uac00 \uac00\uce58 \uc11c\ube44\uc2a4 \ubc88\ub4e4<\/p>\n<p>\ud83d\udfe1 <em>\ud2c8\uc0c8 \ud50c\ub808\uc774\uc5b4<\/em> (\uc608: \ucf54\uc778).<br \/>\n\uc554\ud638\ud654\ud3d0 \uac8c\uc774\ud2b8\uc6e8\uc774 \uc804\ubb38\ud654 \u25b7 \uc554\ud638\ud654\ud3d0 \uac8c\uc774\ud2b8\uc6e8\uc774 \uc804\ubb38\ud654<br \/>\n\u25b7 \uac8c\uc784\ud30c\uc774 \ud50c\ub808\uc774\uc5b4 \ucee4\ubba4\ub2c8\ud2f0 \uc6b4\uc601<br \/>\n\uc1a1\uae08 \ud1b5\ub85c \uc7c1\uae30\uc9c8 \u25b7 \uc1a1\uae08 \ud1b5\ub85c \uc7c1\uae30\uc9c8<\/p>\n<hr>\n<h2>[\ubd80\ub85d] \uc8fc\uc694 \uc6a9\uc5b4\uc5d0 \ub300\ud55c \uc124\uba85 \uc6a9\uc5b4\uc9d1 \ud83d\udcd6<\/h2>\n<table>\n<thead>\n<tr>\n<th>\uae30\uac04<\/th>\n<th>\uc815\uc758<\/th>\n<th>\uc608<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>QRPh<\/td>\n<td>\ubc29\ucf54\uc13c\ud2b8\ub7f4\uc5d0\uc11c \uac1c\ubc1c\ud55c \uad6d\uac00 \ud45c\uc900 QR\ucf54\ub4dc<\/td>\n<td>SM \uc288\ud37c\ub9c8\ucf13 \ud1b5\ud569 \uacb0\uc81c \ucf54\ub4dc<\/td>\n<\/tr>\n<tr>\n<td>InstaPay<\/td>\n<td>BSP \uaddc\uc81c \uc2e4\uc2dc\uac04 \uc18c\ub9e4 \uacb0\uc81c \uc2dc\uc2a4\ud15c<\/td>\n<td>GChatch \uc989\uc2dc \uacb0\uc81c<\/td>\n<\/tr>\n<tr>\n<td>\uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc790<\/td>\n<td>BSP\uc5d0\uc11c \ubc1c\uae09\ud55c \uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc790 \ub77c\uc774\uc120\uc2a4<\/td>\n<td>\ud398\uc774\ub9c8\uc57c \ud544\ub9ac\ud540 Inc.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589, \uc138\uacc4\uc740\ud589, \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc\uc758 \uc5f0\ub840 \ubcf4\uace0\uc11c \ub4f1 \uacf5\uc2e0\ub825 \uc788\ub294 \ucd9c\ucc98\ub97c \uae30\ubc18\uc73c\ub85c \uc791\uc131\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc6d0\ubcf8 \ub370\uc774\ud130 \uc138\ud2b8 \ub610\ub294 \ub9de\ucda4\ud615 \ubd84\uc11d \ubaa8\ub378\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4\ub294 \uc804\ubb38 \ucee8\uc124\ud305 \ud300\uc5d0 \ubb38\uc758\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \uc0c1\ud638 \ucc38\uc870\ub97c \uc704\ud574 BSP\uc758 \"2024 \ub514\uc9c0\ud138 \uacb0\uc81c \ud601\uc2e0 \ub85c\ub4dc\ub9f5\" \ubc31\uc11c\uc640 \ud568\uaed8 \uc77d\uc5b4\ubcf4\uc2e4 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>\ucc38\uace0: \ubcf8\ubb38\uc758 \ubaa8\ub4e0 \uae08\uc561\uc740 \ubcc4\ub3c4\uc758 \ud45c\uc2dc\uac00 \uc5c6\ub294 \ud55c \ud544\ub9ac\ud540 \ud398\uc18c(\u20b1)\uc774\uba70, \ud658\uc728 \uae30\uc900\uc77c\uc740 2024\ub144 6\uc6d4 1\uc77c \u20b155=$1\uc785\ub2c8\ub2e4.<\/p>\n<h2>\ud544\ub9ac\ud540 \ubaa8\ubc14\uc77c \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud5a5\ud6c4 \ud2b8\ub80c\ub4dc \uc804\ub9dd<\/h2>\n<h3>\uae30\uc220 \ubc1c\uc804 \ubc29\ud5a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/h3>\n<h4>1. AI \uae30\ubc18 \uac1c\uc778 \ub9de\ucda4\ud615 \uae08\uc735 \uc11c\ube44\uc2a4<\/h4>\n<ul>\n<li><strong>\uc9c0\ub2a5\ud615 \uae08\uc735 \ub3c4\uc6b0\ubbf8<\/strong>GCash\ub294 \uc0ac\uc6a9\uc790\uc758 \uc9c0\ucd9c \uc2b5\uad00\uc5d0 \ub530\ub77c \uc790\ub3d9\uc73c\ub85c \uc800\ucd95 \ubaa9\ud45c\ub97c \uc124\uc815\ud558\ub294 AI \uae30\ubc18 \uc800\ucd95 \uacc4\ud68d \ub3c4\uad6c\ub97c \ud14c\uc2a4\ud2b8\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub3d9\uc801 \uc704\ud5d8 \uad00\ub9ac \uc2dc\uc2a4\ud15c<\/strong>\uac70\ub798 \ucc28\ub2e8 \uc815\ud655\ub3c4\ub97c 99.21 TP3T\ub85c \ud5a5\uc0c1\uc2dc\ud0a8 \uc2e4\uc2dc\uac04 \uba38\uc2e0\ub7ec\ub2dd \uae30\ubc18 \uc0ac\uae30 \ubc29\uc9c0 \ubaa8\ub378\uc744 \uac1c\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc74c\uc131 \uc0c1\ud638\uc791\uc6a9 \uae30\ub2a5<\/strong>2025\ub144\uae4c\uc9c0 \uc8fc\ub958 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ube44\uc0ac\uc57c\/\ud0c0\uac08\ub85c\uadf8\uc5b4 \ud558\uc774\ube0c\ub9ac\ub4dc \uc74c\uc131 \uba85\ub839 \ucc98\ub9ac\uc5d0 \ub300\ud55c \uc644\uc804\ud55c \uc9c0\uc6d0 \uc608\uc815<\/li>\n<\/ul>\n<h4>2. \uc6f9 3.0 \uc735\ud569 \ud601\uc2e0 \uc2e4\ud5d8<\/h4>\n<pre><code class=\"language-mermaid\">\ud30c\uc774 <br>\r\n    \uc81c\ubaa9 \ube14\ub85d\uccb4\uc778 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ud30c\uc77c\ub7ff \ubc30\ud3ec<br>\r\n    \"\ub514\uc9c0\ud138 \uc2e0\uc6d0\": 38%<br>\r\n    \"\uad6d\uacbd \uac04 \ubb34\uc5ed \uacb0\uc81c\": 25%<br>\r\n    \"DeFi \uc81c\ud488\": 22%<br>\r\n    \"NFT \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\" :15%<br>\r\n<\/code><\/pre>\n<h4>3. IoT \uacb0\uc81c \uc2dc\ub098\ub9ac\uc624 \ud655\uc7a5<\/h4>\n<ul>\n<li><strong>\uc9c0\ub2a5\ud615 \ucc28\ub7c9 \uc0dd\ud0dc\ud559<\/strong>\ub3c4\uc694\ud0c0 \ud544\ub9ac\ud540\uacfc \ud611\ub825\ud558\uc5ec \uace0\uc18d\ub3c4\ub85c \ud1b5\ud589\ub8cc \uc790\ub3d9 \ucc28\ub7c9 \ub0b4 \uc9c0\uac11 \uacb0\uc81c \ud14c\uc2a4\ud2b8 \uc9c4\ud589<\/li>\n<li><strong>\uc6e8\uc5b4\ub7ec\ube14 \ub514\ubc14\uc774\uc2a4 \ud1b5\ud569<\/strong>GCash, OFW \uadf8\ub8f9\uc744 \uc704\ud55c \uc560\ud50c\uc6cc\uce58 \ubc84\uc804 \ucd9c\uc2dc<\/li>\n<li><strong>\uc2a4\ub9c8\ud2b8 \uc2dc\ud2f0 \ud504\ub85c\uc81d\ud2b8<\/strong>: \ub2e4\ubc14\uc624\uc2dc, \ub9c8\uc57c QR\ucf54\ub4dc \ubc84\uc2a4 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc2dc\ubc94 \uc6b4\uc601<\/li>\n<\/ul>\n<h3>[H3] \ub808\uadf8\ud14c\ud06c \uac1c\ubc1c \uc6b0\uc120\uc21c\uc704<\/h3>\n<p>BSP\uc758 \ucd5c\uadfc \uc815\ucc45 \ubc29\ud5a5\uc5d0 \ub530\ub974\uba74 \uc774 \uc815\ucc45\uc774 \uac15\ud654\ub420 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4:<br \/>\n\ud83d\udd38 <em>\uc2e4\uc2dc\uac04 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 API \ud45c\uc900<\/em>(2024\ub144 4\ubd84\uae30\ubd80\ud130 \ud544\uc218)<br \/>\n\ud83d\udd38 <em>\uc0dd\uccb4 \uc778\uc2dd \ub370\uc774\ud130\ubca0\uc774\uc2a4 \uacf5\uc720 \ud504\ub808\uc784\uc6cc\ud06c<\/em>(\uacf5\ub3d9 SSS\/GSIS \ub4f1)<br \/>\n\ud83d\udd38 <em>\uc2a4\ud14c\uc774\ube14\ucf54\uc778 \ubc1c\ud589 \uac00\uc774\ub4dc\ub77c\uc778<\/em>(USDT\uc640 \uac19\uc740 \uc790\uc0b0\uc5d0 \ub300\ud55c \uc900\ube44\uae08 \uc694\uac74 \uc124\uc815)<\/p>\n<hr>\n<h2>[\ud558\ubc18\uae30] \uc9c0\uc5ed \uacbd\uc7c1 \ud658\uacbd\uc758 \uc9c4\ud654 \uc608\uce21<\/h2>\n<h3>\uc544\uc138\uc548 \uad6d\uac00 \uac04 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c \uad6c\ucd95 \uc9c4\ud589 \uc0c1\ud669 \ube44\uad50:<\/h3>\n<table>\n<thead>\n<tr>\n<th>\uad6d\uac00<\/th>\n<th>\ub3c4\ud0b9 \ud50c\ub7ab\ud3fc<\/th>\n<th>\ucc44\ub110 \uc9c0\uc6b0\uae30<\/th>\n<th>\uc77c\uc77c \ud3c9\uade0 \ud55c\ub3c4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc2f1\uac00\ud3ec\ub974\uc5b4<\/td>\n<td>\uadf8\ub7a9\ud398\uc774+\uce90\uc2dc<\/td>\n<td>\ub125\uc11c\uc2a4 \ud504\ub85c\ud1a0\ucf5c<\/td>\n<td>SGD500<\/td>\n<\/tr>\n<tr>\n<td>\ub9d0\ub808\uc774\uc2dc\uc544<\/td>\n<td>\ubd80\uc2a4\ud2b8+\ub9c8\uc57c<\/td>\n<td>\ub4c0\uc787\ub098\uc6b0 \ub9c1\ud06c<\/td>\n<td>MYR2000<\/td>\n<\/tr>\n<tr>\n<td>\uc778\ub3c4\ub124\uc2dc\uc544 GoPay \uc544\uc9c1 \uc0ac\uc6a9 \ubd88\uac00 \uc591\uc790 \uac04 \ud611\uc0c1 \uc9c4\ud589 \uc911 \ubbf8\uc815<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p>\ub9c8\uc57c\uc758 \ubaa8\ud68c\uc0ac\uc778 PLDT\ub294 MoMo \ubca0\ud2b8\ub0a8\uacfc \uae30\uc220 \ud45c\uc900\uc758 \uc0c1\ud638 \uc778\uc815\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/blockquote>\n<h3>[\uc804\ub7b5 \uc9c0\ub3c4] \uc218\ub3c4 \uc791\uc804 \uc774\ub3d9 \uc2dc\uacc4:<\/h3>\n<p>GCash \ubaa8\ud68c\uc0ac Mynt, 2025\ub144 \ubbf8\uad6d IPO \uc900\ube44(\uae30\uc5c5\uac00\uce58 1\uc870 4\ucc9c\uc5b5 \ub2ec\ub7ec \uc774\uc0c1 \uc608\uc0c1)<br \/>\nSea Group\uc740 ShopeePay\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \uc790\uae08\uc744 \ud22c\uc785\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4(\uc5f0\uac04 \uc608\uc0b0 $40% \uc99d\uac00).<br \/>\n\ubc14\uc774\ub0b8\uc2a4\uc758 \ucf54\uc778\uc2a4\ub2f7\ud30c\uc774 \uc778\uc218 \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \uc18c\ubb38\uc774 \uacc4\uc18d\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<h2>[\uc18c\ube44\uc790 \uce21\uba74] \ucc28\uc138\ub300 \uc81c\ud488 \uae30\ub2a5 \ubbf8\ub9ac\ubcf4\uae30<\/h2>\n<h3>UI\/UX \ud601\uc2e0 \ud2b8\ub80c\ub4dc:<\/h3>\n<p>\u2705 <em>\uc0c1\ud669\uc5d0 \ub9de\ub294 \uc778\ud130\ud398\uc774\uc2a4<\/em>(\uc1fc\ud551\/\uc1a1\uae08 \ubaa8\ub4dc \uc790\ub3d9 \uc804\ud658)<br \/>\n\u2705 <em>AR \uc601\uc218\uc99d \ubc0f \uacb0\uc81c<\/em>(\ubb3c\ub9ac\uc801 \uac1c\uccb4\ub97c \uc2a4\uce94\ud558\uba74 \uc804\uc1a1\uc774 \ud2b8\ub9ac\uac70\ub428)<br \/>\n\u2705 <em>\uc18c\uc15c \uae08\uc735<\/em>(\uadf8\ub8f9 AA \ud560\ub2f9 \uae30\ub2a5)<\/p>\n<h3>[\ub3c5\uc810] \uc778\uc218\ud55c \ud2b9\ud5c8 \uae30\uc220 \ubaa9\ub85d:<\/h3>\n<ol>\n<li>GCave\uc758 \"\uc9c0\uc9c4 \ube44\uc0c1 \ud574\uc81c \uc54c\uace0\ub9ac\uc998\"(PHIVOLCS \uacbd\uace0 \uc2e0\ud638 \uae30\ubc18)<\/li>\n<li>\ub9c8\uc57c\uc758 \ub2e4\uc138\ub300 \uac00\uc871 \uc9c0\uac11 \uad00\ub9ac \uc2dc\uc2a4\ud15c<\/li>\n<li>\uac8c\uc784 \uc18c\ud488\uc5d0 \ub300\ud55c \ucf54\uc778\uc758 \ud06c\ub85c\uc2a4 \ud50c\ub7ab\ud3fc \uacb0\uc81c \uacc4\uc57d<\/li>\n<\/ol>\n<hr>\n<h2>[\uba38\ucc9c\ud2b8 \uc194\ub8e8\uc158] \uc0b0\uc5c5 \uc218\uc9c1\ud654 \uc9c4\ud589 \uc0c1\ud669<\/h2>\n<h3>\uc0c1\uc704 3\uac1c \uc5c5\uacc4\ub97c \uc704\ud55c \ub9de\ucda4\ud615 \uc194\ub8e8\uc158 \ube44\uad50:<\/h3>\n<h4>\ud83c\udfe5 \ud5ec\uc2a4\ucf00\uc5b4 \ubd84\uc57c<\/h4>\n<p>- GChatch \ubcd1\uc6d0 \uc120\ubd88 \uce74\ub4dc \uc2dc\uc2a4\ud15c(\uc138\uc778\ud2b8 \ub8e8\ud06c \ubcd1\uc6d0 \ub4f1 12\uac1c \uae30\uad00\uc5d0\uc11c \uc774\ubbf8 \uc801\uc6a9\ub428)<br \/>\n- \ub9c8\uc57c \ud074\ub9ac\ub2c9 \uccad\uad6c \uc2dc\uc2a4\ud15c(\uc5ec\ub7ec \uc758\uc0ac \uac04\uc758 \uc218\uc785 \ubd84\ubc30 \ubb38\uc81c \ud574\uacb0)<\/p>\n<h4>\ud83c\udf93 \uad50\uc721 \uc0b0\uc5c5<\/h4>\n<p>- \ub300\ud559 \ucea0\ud37c\uc2a4 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960 91% \ub2ec\uc131<br \/>\n- \ucf54\uc778 \ud559\uc0dd\uc99d-NFC \uacb0\uc81c \ud1b5\ud569 \uccb4\ud5d8\ud310<\/p>\n<h4>\u2708\ufe0f \uad00\uad11 \ud601\uc2e0<\/h4>\n<ul>\n<li>\ub9c8\uc57c \uc794\uc561\uc5d0 \ub300\ud55c \uc138\ubd80\ud37c\uc2dc\ud53d \ud56d\uacf5 \ud3ec\uc778\ud2b8 \uc9c1\uc811 \uc0ac\uc6a9<\/li>\n<li>\uc790\ub3d9 \uc218\uc218\ub8cc \ucc28\uac10 \uae30\ub2a5\uc774 \uc788\ub294 \uc778\ud2b8\ub77c\ubb34\ub85c\uc2a4 \uae30\ub150\ubb3c \uad6c\uc5ed AR \ucf54\ub4dc \uc2a4\uce94 \uc124\uba85.<\/li>\n<\/ul>\n<hr>\n<h2>[\uc704\ud5d8 \uacbd\uace0] \uc7a0\uc7ac\uc801 \ud30c\uad34\uc801 \uc704\ud611 \ud3c9\uac00<\/h2>\n<p>\u26a0\ufe0f \uc2dc\ub098\ub9ac\uc6241: \uba54\ud0c0, Facebook Pay \ud544\ub9ac\ud540 \ucd9c\uc2dc<br \/>\n\u26a0\ufe0f \uc2dc\ub098\ub9ac\uc6242: BSP\uac00 \uac11\uc790\uae30 \uc804\uc790 \ud654\ud3d0 \uc900\ube44\uae08 \uc694\uac74\uc744 \uac15\ud654\ud558\ub294 \uacbd\uc6b0<br \/>\n\u26a0\ufe0f \uc2dc\ub098\ub9ac\uc6243: \uae00\ub85c\ube0c\uac00 \uc2a4\ub9c8\ud2b8 \ud154\ub808\ucf64\uacfc \ud611\ub825\ud558\uc5ec \uacbd\uc7c1 \uc81c\ud488 \ucd9c\uc2dc<\/p>\n<p>\uc8fc\uc694 \ub300\uc751 \uc804\ub7b5 \ub9e4\ud2b8\ub9ad\uc2a4 \uad8c\uc7a5 \uc0ac\ud56d\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<br \/>\n\u25a8 \uc804\ub7b5\uc801 \uc81c\ud734 \uac15\ud654(\uc608: \uc9c0\uce90\uce58, \ub77c\uc790\ub2e4\uc640 5\ub144\uac04 \ub3c5\uc810 \uacc4\uc57d \uac31\uc2e0)<br \/>\n\uae30\uc220 \ud574\uc790 \uc2ec\ud654(\ub9c8\uc57c\uc758 \uc5f0\uac04 R&amp;D \ud22c\uc790\uac00 \ub9e4\ucd9c 181\uc8703\ucc9c\uc5b5 \uc6d0\uc73c\ub85c \uc99d\uac00)<br \/>\n\ub85c\ube44 \ud65c\ub3d9\uc744 \uac15\ud654\ud558\uae30 \uc704\ud55c \uc815\ucc45 \uc639\ud638(\ud540\ud14c\ud06c PH\uc0b0\uc5c5\ud611\ud68c \uacb0\uc131) \u25eb \ub85c\ube44 \ud65c\ub3d9 \uac15\ud654(\ud540\ud14c\ud06c PH\uc0b0\uc5c5\ud611\ud68c \uacb0\uc131)<\/p>\n<hr>\n<h2>[\uc2a4\ud398\uc15c \ucc55\ud130] \ub18d\ucd0c \uc2dc\uc7a5 \ub3cc\ud30c \ubc29\ubc95\ub860<\/h2>\n<p>6\uac1c\uc6d4\uac04\uc758 \ud604\uc7a5 \uc870\uc0ac \ub05d\uc5d0 \uc131\uacf5 \uacf5\uc2dd\uc744 \uc815\ub9ac\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n<p><strong>[\ucee4\ubba4\ub2c8\ud2f0 \ud504\ub85d\uc2dc \uc0ac\uc774\ud2b8 \ubc00\ub3c4]<\/strong> \u00d7 <strong>[\ubc29\uc5b8 \uc6b4\uc601\uc790 \uac00\uc774\ub4dc]<\/strong> + <strong>[\ub18d\uc5c5 \ubcf4\uc870\uae08 \uc9c1\uc811 \ub9c1\ud06c]<\/strong> = \ucc44\ud0dd\ub960\u219132%<\/p>\n<p>\uc77c\ubc18\uc801\uc778 \uc0ac\ub840 \uc5f0\uad6c.<br \/>\n\ub204\uc5d0\ubc14 \uc5d0\uc2dc\uc57c \uc9c0\uc5ed\uc758 \uc300 \ub18d\ubd80\ub4e4\uc740 GCash\ub97c \ud1b5\ud574 \ube44\ub8cc \ubcf4\uc870\uae08\uc744 5\ubc30 \ub354 \ud6a8\uc728\uc801\uc73c\ub85c \uc9c0\uc6d0\ubc1b\uc2b5\ub2c8\ub2e4.<br \/>\n\ud314\ub77c\uc644 \uc5b4\ubd80\ub4e4\uc740 \ud574\uc0b0\ubb3c \uacbd\ub9e4 \uacb0\uc81c\ub97c \uc704\ud574 Coins.ph\ub97c \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\uc774 \ubcf4\uace0\uc11c\uc5d0\uc11c\ub294 \ub2e4\uc74c \ub9c8\uc77c\uc2a4\ud1a4 \uc774\ubca4\ud2b8 \uc601\ud5a5 \ud3c9\uac00\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ucd94\uc801\ud560 \uc608\uc815\uc785\ub2c8\ub2e4:<br \/>\n\ud83d\udccc \ub514\uc9c0\ud138 \uc740\ud589\ubc95 \uac1c\uc815\uc548 \uc785\ubc95 \uacfc\uc815<br \/>\n\ud83d\udccc \uc911\uad6d \uc720\ub2c8\uc628\ud398\uc774, \ud544\ub9ac\ud540 \uc2dc\uc7a5 \uc9c4\ucd9c<br \/>\nGCave\uc640 Alipay+\uc758 \uae30\uc220 \ud1b5\ud569 \ud6a8\uacfc<\/p>\n<p>\uae30\uc5c5 \uc758\uc0ac\uacb0\uc815 \uc9c0\uc6d0 \ud578\ub4dc\ubd81\uc758 \ub9de\ucda4\ud615 \ubc84\uc804\uc744 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