{"id":3200,"date":"2025-06-05T15:38:44","date_gmt":"2025-06-05T07:38:44","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3200"},"modified":"2025-06-05T15:38:44","modified_gmt":"2025-06-05T07:38:44","slug":"%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e7%9b%98%e7%82%b9%ef%bc%9a%e4%bb%8ebkash%e5%88%b0nagad","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/05\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e5%b7%a5%e5%85%b7%e7%9b%98%e7%82%b9%ef%bc%9a%e4%bb%8ebkash%e5%88%b0nagad\/","title":{"rendered":"\ubc29\uae00\ub77c\ub370\uc2dc \ud604\uc9c0 \uacb0\uc81c \ub3c4\uad6c \ubaa8\uc74c: bKash\uc5d0\uc11c \ub098\uac00\ub4dc\uae4c\uc9c0"},"content":{"rendered":"<p>\ubc29\uae00\ub77c\ub370\uc2dc\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \uc131\uc7a5\ud588\uc73c\uba70, \ud2b9\ud788 \uae08\uc735 \ud3ec\uc6a9\uacfc \ubaa8\ubc14\uc77c \uacb0\uc81c \ubd84\uc57c\uc5d0\uc11c \uad6d\ub0b4 \uacb0\uc81c \ub3c4\uad6c\uac00 \uc88b\uc740 \uc131\uacfc\ub97c \uac70\ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ubc29\uae00\ub77c\ub370\uc2dc\uc758 \uc8fc\uc694 \ud604\uc9c0 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ubaa9\ub85d\uacfc \uc8fc\uc694 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<h3>I. \ud5e4\ub4dc \ud2b8\uc708: \ube44\uce74\uc2dc\uc640 \ub098\uac00\ub4dc<\/h3>\n<ol>\n<li><strong>\ube44\uce90\uc2dc(2009\ub144 \uc124\ub9bd)<\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong>\uc2dc\uc7a5 \uc810\uc720\uc728<\/strong>\ubaa8\ubc14\uc77c \uae08\uc735 \uc11c\ube44\uc2a4 \uc2dc\uc7a5 \uc810\uc720\uc728 751% \uc774\uc0c1<\/li>\n<li><strong>\uc0ac\uc6a9\uc790 \uaddc\ubaa8<\/strong>7\ucc9c\ub9cc \uac1c \uc774\uc0c1\uc758 \ub4f1\ub85d \uacc4\uc815, \ud558\ub8e8 \ucd5c\ub300 5\ubc31\ub9cc \uac74\uc758 \ud2b8\ub79c\uc7ad\uc158 \ubc1c\uc0dd<\/li>\n<li><strong>\ud575\uc2ec \uae30\ub2a5<\/strong>::\n<ul>\n<li>P2P \uc804\uc1a1(\ube44\uc811\ucd09\uc2dd USSD \uc791\ub3d9 \uc9c0\uc6d0)<\/li>\n<li>\ud310\ub9e4\uc790 \ucf54\ub4dc \uacb0\uc81c(\uc804\uad6d 85\ub9cc \uac1c \ud310\ub9e4\uc790 \ub300\uc0c1)<\/li>\n<li>\uc815\ubd80 \uc0ac\ud68c \ubcf4\uc7a5 \ubc30\ud3ec \ucc44\ub110<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ud601\uc2e0\uc801\uc778 \ud558\uc774\ub77c\uc774\ud2b8<\/strong>::<br \/>\n\uad6d\uc81c \uc804\uc790\uc0c1\uac70\ub798 \uc9c0\ucd9c\uc744 \uc9c0\uc6d0\ud558\uae30 \uc704\ud574 2023\ub144 'bKash Pay' \uac00\uc0c1 \uce74\ub4dc \ucd9c\uc2dc<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\ub098\uac00\ub4dc(2019\ub144 \uc124\ub9bd)<\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong>\ubc30\uacbd \uc774\uc810<\/strong>\uc6b0\uc815\uc0ac\uc5c5\ubcf8\ubd80\uc640 \uc7ac\ubb34\ubd80\uac00 \uacf5\ub3d9\uc73c\ub85c \uc6b4\uc601\ud558\ub294 \uad6d\uc601 \ud50c\ub7ab\ud3fc<\/li>\n<li><strong>\uc131\uc7a5\uc758 \uae30\uc801<\/strong>3\ub144 \ub9cc\uc5d0 \uac00\uc785\uc790 6\ucc9c\ub9cc \uba85 \ud655\ubcf4, \uc6d4 81% \uc131\uc7a5\ub960 \uc720\uc9c0<\/li>\n<li><strong>\uc694\uae08 \uc804\ub7b5<\/strong>::<br \/>\n| \uc11c\ube44\uc2a4 \uc720\ud615 &gt; \uc694\uae08\uc81c &gt; \uc218\uc218\ub8cc\uc728<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;-|<br \/>\n| P2P \uc804\uc1a1 | 0.45% | 0.45%<br \/>\n\u00a0| \ud604\uae08 \ucda9\uc804 | \ubb34\ub8cc \uc815\ucc45<br \/>\n\u00a0| \uccad\uad6c\uc11c \uacb0\uc81c | 0.2%-1% |<\/li>\n<\/ul>\n<p>II. \ud574\ub2f9 \ubd80\ubb38\uc758 \uacbd\uc7c1\uc0ac<br \/>\n3.<strong>\ub85c\ucf13(DBBL)<\/strong><br \/>\n&#8211;<strong>\uc8fc\uc694 \uc11c\ube44\uc2a4<\/strong>:: \uad6d\uacbd \uac04 \uc9c1\uc811 \uc1a1\uae08(\ubc29\uae00\ub77c\ub370\uc2dc \uc1a1\uae08 \uc0ac\uc5c5 22%)<br \/>\n&#8211;<strong>\uae30\uc220 \uc544\ud0a4\ud14d\ucc98<\/strong>:: SIM \ud234\ud0b7 \uae30\ubc18 \uc624\ud504\ub77c\uc778 \uac70\ub798 \uc2dc\uc2a4\ud15c<\/p>\n<p>4.<strong>Upay(\uc720\ub098\uc774\ud2f0\ub4dc \ucee4\uba38\uc15c \uc740\ud589)<\/strong><br \/>\n&#8211;<strong>\uc5d4\ud130\ud504\ub77c\uc774\uc988 \uc194\ub8e8\uc158<\/strong>\uacf5\uae09\ub9dd B2B \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc740 4,500\uac1c\uc758 \uc911\uc18c\uae30\uc5c5\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n&#8211;<strong>API \uc0dd\ud0dc\ud559<\/strong>:: \uac1c\ubc1c\uc790\uc5d0\uac8c 47\uac1c\uc758 \uae08\uc735 \uc778\ud130\ud398\uc774\uc2a4 \uacf5\uac1c<\/p>\n<p>5.<strong>\ud0ed \uc564 \ud398\uc774(\uc2dc\ud2f0\uc740\ud589)<\/strong><br \/>\n&#8211;<strong>NFC \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong>:: \uc9c0\ud558\ucca0 \ubc1c\uad8c \uc2dc\uc2a4\ud15c\uc758 \ub3c5\uc810 \ud30c\ud2b8\ub108(\ub9e4\uc77c 35\ub9cc \uac74\uc758 \uac70\ub798 \ucc98\ub9ac)<\/p>\n<p>III. \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \ubc0f \uc778\ud504\ub77c<br \/>\n1.<strong>\uc911\uc559 \uc740\ud589 \uc815\ucc45<\/strong>(\uc0c8 \uaddc\uc815 2023).<br \/>\n-MFS \ub77c\uc774\uc120\uc2a4 \uc790\ubcf8\uae08 \uc694\uac74\uc774 5\uc5b5 \ud2f0\ud06c(\uc57d 450\ub9cc \ub2ec\ub7ec)\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n-\ud544\uc218 \uc0dd\uccb4 \uc778\uc2dd \ub808\ubca8 2 \uc778\uc99d<\/p>\n<p>2.<strong>\uc0c1\ud638 \uc6b4\uc6a9\uc131 \uad00\ub828 \uc9c4\ud589 \uc0c1\ud669<\/strong>:<br \/>\n-NPSB(\ubc29\uae00\ub77c\ub370\uc2dc \uad6d\uac00 \uacb0\uc81c \uc2a4\uc704\uce58)\uac00 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n\u221a \uc0ac\uc5c5\uc790 \uac04 \uc804\uc1a1 \uc131\uacf5\ub960 98.7%<br \/>\n\uc2e4\uc2dc\uac04 \uc815\uc0b0\uc73c\ub85c \uc18c\uba78\uc2dc\ud6a8 T+1 \ub2e8\ucd95 \u221a \uc2e4\uc2dc\uac04 \uc815\uc0b0\uc73c\ub85c \uc18c\uba78\uc2dc\ud6a8 \ub2e8\ucd95<\/p>\n<p>IV. \uc2dc\uc7a5 \uacfc\uc81c \ubc0f \uac1c\ubc1c \ub3d9\ud5a5<br \/>\n1.<strong>\uae30\uc874 \ubb38\uc81c\uc810<\/strong>:<br \/>\n-KYC \ud1b5\uacfc\uc728\uc774 62%\uc5d0 \ubd88\uacfc\ud568(\uc9c0\ubc29\uc758 \uacbd\uc6b0 \uc2e0\ubd84\uc99d \ucee4\ubc84\ub9ac\uc9c0 \ubd80\uc871)<br \/>\n-\ub9e4\ucd9c \ub300\ube44 \ud604\uae08\ud654 \ube44\uc6a9 28%\uc5d0 \ub2ec\ud568<\/p>\n<p>2.<strong>\ud601\uc2e0 \ubc29\ud5a5 \uc2dc\uacc4<\/strong>:<br \/>\n-AI \uc704\ud5d8 \uad00\ub9ac: \ub098\uac00\ub4dc\uac00 \uc0ac\uae30\uc728\uc744 \uc904\uc774\uae30 \uc704\ud574 \ubc30\ud3ec\ud55c \ud589\ub3d9 \uc0dd\uccb4\uc778\uc2dd 37%<br \/>\n-\ube14\ub85d\uccb4\uc778 \uc571: \ube44\uce90\uc2dc, \uad6d\uacbd \uac04 \ubb34\uc5ed \uc2e0\uc6a9\uc7a5\uc6a9 DLT \uc194\ub8e8\uc158 \ud14c\uc2a4\ud2b8 \uc911<\/p>\n<p>\ubc29\uae00\ub77c\ub370\uc2dc \uae08\uc735 \uc0b0\uc5c5\uc740 \ud604\uc7ac \uae30\ubcf8 \uacb0\uc81c\uc5d0\uc11c \ud1b5\ud569 \uae08\uc735 \uc11c\ube44\uc2a4\ub85c \uc804\ud658\ud558\ub294 \uc911\uc694\ud55c \ub2e8\uacc4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc138\uacc4\uc740\ud589 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ubc29\uae00\ub77c\ub370\uc2dc\uc758 \uc131\uc778 \uacc4\uc88c \ubcf4\uae09\ub960\uc740 53%\uc5d0 \ub2ec\ud558\uc9c0\ub9cc \ub514\uc9c0\ud138 \uac70\ub798 \ube44\uc911\uc744 \ub450 \ubc30\ub85c \ub298\ub9b4 \uc218 \uc788\ub294 \uc5ec\uc9c0\uac00 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \ud5a5\ud6c4 12\uac1c\uc6d4 \ub3d9\uc548 Post Bank\uc758 '\ub098\uac00\ub4dc \ub514\uc9c0\ud138 \uc740\ud589' \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad\uc758 \uc9c4\ud589 \uc0c1\ud669\uc744 \uc8fc\uc2dc\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucc38\uace0: \ubaa8\ub4e0 \ub370\uc774\ud130\ub294 2024\ub144 1\ubd84\uae30 \uae30\uc900, \ud658\uc728 \uae30\uc900 US$1 \u2248 Tk 110\uc785\ub2c8\ub2e4.<\/p>\n<h3><strong>V. \uc2e0\ud765 \ud50c\ub808\uc774\uc5b4\uc640 \ud601\uc2e0\uc801\uc778 \uacb0\uc81c \ubaa8\ub378<\/strong><\/h3>\n<h4><strong>1. \ub5a0\uc624\ub974\ub294 \ud604\uc9c0 \uacb0\uc81c \ud50c\ub7ab\ud3fc<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>OK \uc6d4\ub81b(\ud558\ub098\uc758 \uc740\ud589)<\/strong><\/p>\n<ul>\n<li><strong>\ucc3e\uae30<\/strong>: \uae30\uc5c5 \uae09\uc5ec \ubc0f \uacf5\uae09\ub9dd \uae08\uc735 \uc804\ubb38 \uae30\uc5c5<\/li>\n<li><strong>\uc131\uc7a5 \ud558\uc774\ub77c\uc774\ud2b8<\/strong>2023\ub144\uae4c\uc9c0 \uae30\uc5c5 \uc0ac\uc6a9\uc790 3,001\ub9cc \uba85 \uc99d\uac00, 2,000\uba85 \uc774\uc0c1\uc758 \uacf5\uc7a5 \uadfc\ub85c\uc790 \uae09\uc5ec \uc9c0\uae09 \uac00\ub2a5<\/li>\n<li><strong>\uc8fc\uc694 \uae30\ub2a5<\/strong>:: \"OK Credit\" - \uac70\ub798 \ub370\uc774\ud130\uc5d0 \uae30\ubc18\ud55c \ubb34\ub2f4\ubcf4 \uc18c\uc561 \uae08\uc735<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>mCash(\uc0c1\uc5c5 \uc740\ud589)<\/strong><\/p>\n<ul>\n<li><strong>\ub18d\ucd0c \ubcf4\uae09 \uc804\ub7b5<\/strong>:<br \/>\n98%\uc758 \uc678\ub534 \ub9c8\uc744\uc744 \ucee4\ubc84\ud558\ub294 \ub300\ub9ac\uc810(12\ub9cc \uac1c \uc774\uc0c1\uc758 \uc18c\ub9e4\uc810)<br \/>\n\uc74c\uc131 \uba85\ub839 \uc804\uc1a1 \uc9c0\uc6d0(\ubb38\ub9f9 \uc0ac\uc6a9\uc790\ub97c \uc704\ud55c \uae30\ub2a5)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>SureCash(\ub8e8\ud314\ub9ac \uc740\ud589 \ud30c\ud2b8\ub108\uc2ed \ud504\ub85c\uc81d\ud2b8)<\/strong><\/p>\n<ul>\n<li><em>\ubcc0\ud615<\/em>:: \uc774\uc804 P2P \uc0ac\uc5c5 \ucd95\uc18c, \ud604\uc7ac\ub294 \uc815\ubd80 \ubcf4\uc870\uae08(\uc608: \ub18d\ubbfc\uc744 \uc704\ud55c \ube44\ub8cc \ubcf4\uc870\uae08)\uc758 \ub514\uc9c0\ud138 \uc720\ud1b5\uc5d0 \uc9d1\uc911\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>2. \uad6d\uacbd\uc744 \ub118\ub098\ub4dc\ub294 \ud540\ud14c\ud06c \ub3c4\uc804\uc790<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\uae30\uc5c5<\/th>\n<th>\ucee8\ud14d\uc2a4\ud2b8<\/th>\n<th>\ud601\uc2e0\uc801\uc778 \ubc29\ud5a5<\/th>\n<th>\uc77c\ubc18\uc801\uc778 \uc0ac\uc6a9 \uc0ac\ub840<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\uc288\ub974\uc870\ud398\uc774<\/strong><\/td>\n<td>\ub85c\uceec \ubc84\uc804\uc758 '\uc2a4\ud2b8\ub77c\uc774\ud504'\uc785\ub2c8\ub2e4.<\/td>\n<td>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uad6c\ub9e4<\/td>\n<td>\uc54c\ub9ac\ud398\uc774\/\uc704\ucc57 \ud604\uc9c0\ud654 \uacb0\uc81c \uc9c0\uc6d0<\/td>\n<\/tr>\n<tr>\n<td><strong>\ub9c8\uc9c0\ub9c9\uc73c\ub85c<\/strong><\/td>\n<td>YC \uc778\ud050\ubca0\uc774\ud130<\/td>\n<td>BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \uacb0\uc81c)<\/td>\n<td>\ub2e4\ub77c\uc988 \uc774\ucee4\uba38\uc2a4\uc640 \ud611\ub825, \uae30\ubcf8 \uc694\uae08 &lt;2%<\/td>\n<\/tr>\n<tr>\n<td><strong>Dmoney<\/strong><\/td>\n<td>\uc77c\ubcf8 \uc18c\ud504\ud2b8\ubc45\ud06c \ud22c\uc790<\/td>\n<td>API \ubc45\ud0b9 \uc11c\ube44\uc2a4<\/td>\n<td>\uc784\ubca0\ub514\ub4dc \uae08\uc735(\uc608: \ud14c\uc774\ud06c\uc544\uc6c3 \uc571 \uc9c0\uac11)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>VI. \uad6d\uacbd \uac04 \uacb0\uc81c\uc5d0\uc11c\uc758 \ud0c8\uc8fc \uc2dc\ub3c4<br \/>\n1.<strong>\ube44\uce90\uc2dc \uad6d\uc81c \ud655\uc7a5<\/strong><br \/>\n-\uc2f1\uac00\ud3ec\ub974\/\ub9d0\ub808\uc774\uc2dc\uc544 \uc1a1\uae08 \ud1b5\ub85c(\ubc29\uae00\ub77c\ub370\uc2dc \uc1a1\uae08 \uc2dc\uc7a5\uc758 19%)<br \/>\n-\ube44\uc790 \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uce74\ub4dc\ub85c \ubbf8\ud654 \uc9c0\ucd9c \uc9c0\uc6d0<\/p>\n<p>2.<strong>\ub098\uac00\ub4dc\uc758 '\ub514\uc9c0\ud138 \ucf54\ub9ac\ub3c4' \ud504\ub85c\uadf8\ub7a8<\/strong><br \/>\n\u221a\uc778\ub3c4 UPI \uc2dc\uc2a4\ud15c\uacfc\uc758 \uc0c1\ud638 \uc5f0\uacb0 \ud14c\uc2a4\ud2b8 \uc9c4\ud589 \uc911<br \/>\n\u221a \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc758 SPFS \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc561\uc138\uc2a4 \uc81c\uc548<\/p>\n<p>3.<strong>\uc815\ucc45 \uc81c\ud55c \ud55c\uacc4\uc810<\/strong><br \/>\n-CBDC \ud30c\uc77c\ub7ff: 2025\ub144 \uc2dc\uc6b4\uc804 \uc608\uc815\uc778 \uc911\uc559\uc740\ud589\uc758 \ub514\uc9c0\ud138 \ud654\ud3d0 \ud504\ub85c\uc81d\ud2b8<br \/>\n-RTGS \uc5c5\uadf8\ub808\uc774\ub4dc: \uace0\uc561 \uad6d\uacbd \uac04 \ud1b5\uad00 \uc2dc\uac04\uc774 T+3\uc2dc\uac04\uc5d0\uc11c 4\uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<p>VII. \uc18c\ube44\uc790 \ud589\ub3d9\uc5d0 \ub300\ud55c \uc8fc\uc694 \uc778\uc0ac\uc774\ud2b8<br \/>\n1.<strong>\ub808\uc774\uc5b4\ub9c1 \uc0ac\uc6a9 \uc2b5\uad00<\/strong>(BCG \uc5f0\uad6c \ub370\uc774\ud130)<br \/>\n|\ub3c4\uc2dc \uccad\ub144(18~35\uc138)|\uc9c0\ubc29 \uc911\uc7a5\ub144\uce35(40\uc138 \uc774\uc0c1)|\uc911\uc7a5\ub144\uce35(40\uc138 \uc774\uc0c1)<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|\uc8fc\uc694 \uc6a9\ub3c4|\uc628\ub77c\uc778 \uc1fc\ud551(62%)\uff5c\ud1b5\ud654\ub8cc \ucda9\uc804(88%)|<br \/>\n\uac70\ub798 \ube48\ub3c4: \ud558\ub8e8 1.7\ud68c: \uc6d4 4\ud68c.<br \/>\n\uc794\uc561 \uc720\uc9c0\uff5cTk.500(61%)<\/p>\n<p>2.<strong>\uc2e0\ub8b0 \ube44\uad50<\/strong><br \/>\n-\uc815\ubd80 \ubc30\uacbd 45\uac1c \uc774\uc0c1\uc758 \uadf8\ub8f9\uc5d0\uc11c \uc778\uc815\ubc1b\uc740 \ub098\uac00\ub4dc 89%<br \/>\n-Z\uc138\ub300\uc758 \ube44\uce90\uc2dc \ube0c\ub79c\ub4dc \uc120\ud638\ub3c4 64%<\/p>\n<p>\ud5a5\ud6c4 3\ub144\uac04\uc758 \uacb0\uc815\uc801 \uc694\uc18c\uc5d0 \ub300\ud55c \uc608\uce21<br \/>\n&#8211;<strong>\uaddc\uc81c 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