{"id":3220,"date":"2025-06-05T15:58:25","date_gmt":"2025-06-05T07:58:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3220"},"modified":"2025-06-05T15:58:25","modified_gmt":"2025-06-05T07:58:25","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/05\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%ad%e7%9a%84%e9%87%91%e8%9e%8d%e7%a7%91%e6%8a%80%e8%a7%92%e8%89%b2\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0\uc11c \ud540\ud14c\ud06c\uc758 \uc5ed\ud560"},"content":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uae08\uc735 \uae30\uc220(\ud540\ud14c\ud06c)\uc758 \uc5ed\ud560\uc774 \ucee4\uc9c0\uba74\uc11c \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uac00 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0\uc11c \ud540\ud14c\ud06c\uc758 \uc8fc\uc694 \uc5ed\ud560\uacfc \ub3d9\ud5a5\uc5d0 \ub300\ud55c \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>1. \uc804\uc790\uc9c0\uac11 \ubc0f \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c\uc758 \ud655\uc0b0<\/strong><\/h3>\n<ul>\n<li><strong>\uc8fc\uc694 \ud50c\ub808\uc774\uc5b4<\/strong>\uadf8\ub7a9\ud398\uc774, \ud130\uce58\uc564\uace0 \uc804\uc790\uc9c0\uac11, \ubd80\uc2a4\ud2b8, \uc1fc\ud53c\ud398\uc774 \ubc0f \uae30\ud0c0 \ud604\uc9c0 \ubc0f \ud574\uc678 \ud50c\ub7ab\ud3fc.<\/li>\n<li><strong>\uc601\uc5b4 -ity, -ism, -ization\uc5d0 \ud574\ub2f9\ud569\ub2c8\ub2e4.<\/strong>::\n<ul>\n<li>\uc18c\ub9e4, \uc694\uc2dd\uc5c5 \ubc0f \uc6b4\uc1a1 \uc2dc\ub098\ub9ac\uc624\ub97c \ud3ec\uad04\ud558\ub294 \ud3b8\ub9ac\ud55c \ucf54\ub4dc \uc2a4\uc704\ud551 \uacb0\uc81c, P2P \uc804\uc1a1 \ubc0f \uc628\ub77c\uc778 \uc18c\ube44 \uae30\ub2a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li>\ubcf4\uc870\uae08 \ubc0f \ubcf4\uc0c1 \ud3ec\uc778\ud2b8(\uc608: \uace0\uc18d\ub3c4\ub85c\/\uc8fc\ucc28\uc7a5 \ud130\uce58 \uc564 \uace0)\ub97c \ud1b5\ud55c \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c \uac00\uc18d\ud654.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc22b\uc790<\/strong>2023\ub144\uae4c\uc9c0 \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc774 50%\ub97c \ub3cc\ud30c\ud558\uace0 \uc0ac\uc6a9\uc790 \uc218\uac00 2\ucc9c\ub9cc \uba85\uc744 \ub3cc\ud30c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc704\ud55c \uc778\ud504\ub77c \uc9c0\uc6d0<\/strong><\/h3>\n<ul>\n<li><strong>\ub4c0\uc787\ub098\uc6b0<\/strong>(PayNet\uc5d0\uc11c \uc6b4\uc601):\n<ul>\n<li>\uc740\ud589 \uac04 \uc1a1\uae08\uc744 \uc644\ub8cc\ud558\uae30 \uc704\ud574 \ud734\ub300\ud3f0 \ubc88\ud638\/\uc2e0\ubd84\uc99d \ubc88\ud638\ub97c \uc9c0\uc6d0\ud558\ub294 \uad6d\uac00 \uc218\uc900\uc758 \uc989\uc2dc \uc1a1\uae08 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4.<\/li>\n<li>\ud540\ud14c\ud06c \ud68c\uc0ac\ub294 API\ub97c \ud1b5\ud574 DuitNow\ub97c \ud1b5\ud569\ud558\uc5ec \uc0ac\uc6a9\uc790\uc640 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc6d0\ud65c\ud55c \uacb0\uc81c \uacbd\ud5d8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uad6d\uac00 \uac04 \uc0c1\ud638 \uc5f0\uacb0<\/strong>\uc544\uc138\uc548 \uc9c0\uc5ed \uacb0\uc81c \ud1b5\ud569\uc744 \ucd09\uc9c4\ud558\uae30 \uc704\ud574 \ud0dc\uad6d\uc758 PromptPay \ubc0f \uc778\ub3c4\ub124\uc2dc\uc544\uc758 BI-FAST\uc640 \uac19\uc740 \uc2dc\uc2a4\ud15c\uacfc \uc5f0\uacb0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. BNPL(\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uc9c0\ubd88)\uc758 \ubd80\uc0c1<\/strong><\/h3>\n<ul>\n<li><strong>\ub300\ud45c \uae30\uc5c5<\/strong>: \uc544\ud1b0, \ubd84\ud560, \ub098\uc911\uc5d0 \uacb0\uc81c\ud558\uae30.<\/li>\n<li>\n<ul>\n<li><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><strong>4. \uad6d\uacbd \uac04 \uacb0\uc81c \ubc0f \uc1a1\uae08 \ud601\uc2e0<\/strong><\/h3>\n<ul>\n<li><strong>\ube14\ub85d\uccb4\uc778 \ubc0f \ub514\uc9c0\ud138 \ud654\ud3d0 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong>::\n<ul>\n<li>\ub9d0\ub808\uc774\uc2dc\uc544 \ub124\uac00\ub77c \uc740\ud589(BNM)\uc740 \ubcf4\ub2e4 \ud6a8\uc728\uc801\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \ubaa8\uc0c9\ud558\uae30 \uc704\ud574 \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC)\ub97c \uc801\uadf9\uc801\uc73c\ub85c \uc2e4\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uba38\ub2c8\ub9e4\uce58\uc640 \uac19\uc740 \ud540\ud14c\ud06c \uae30\uc5c5\uc740 \ube14\ub85d\uccb4\uc778 \uae30\uc220\uc744 \uc0ac\uc6a9\ud558\uc5ec \uae30\uc874 \uc740\ud589 \uc1a1\uae08(\ud2b9\ud788 \uc678\uad6d\uc778 \uadfc\ub85c\uc790 \uc1a1\uae08)\uc758 \ube44\uc6a9\uacfc \uc2dc\uac04\uc744 \uc808\uac10\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc544\uc138\uc548 \uc9c0\uc5ed \ud611\ub825<\/strong>\ub2e4\uc74c\uacfc \uac19\uc740 \ud504\ub85c\uc81d\ud2b8 \ucc44\ud0dd<em>\ud504\ub85c\uc81d\ud2b8 \ub125\uc11c\uc2a4<\/em>(\ub3d9\ub0a8\uc544\uc2dc\uc544 \uc804\uc5ed\uc758 \ube60\ub978 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc5f0\uacb0\ud558\ub294) \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ub9d0\ub808\uc774\uc2dc\uc544\uc640 \uc2f1\uac00\ud3ec\ub974, \uc778\ub3c4\ub124\uc2dc\uc544 \ub4f1\uc758 \uad6d\uac00 \uac04\uc758 \uad6d\uacbd \uac04 \uac70\ub798\ub97c \uac04\uc18c\ud654\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. \uc911\uc18c\uae30\uc5c5 \uae08\uc735 \uc11c\ube44\uc2a4 \uc5ed\ub7c9 \uac15\ud654<\/strong><\/h3>\n<ul>\n<li><strong>\ub514\uc9c0\ud138 \uc0c1\uc5c5\uc6a9 \uacc4\uc815 \ubc0f \ud68d\ub4dd \uc11c\ube44\uc2a4<\/strong>GrabFin, BigPay \ub4f1\uc740 \uc7ac\uace0 \uad00\ub9ac, \uc1a1\uc7a5 \uc0dd\uc131 \ub4f1\uc744 \ud1b5\ud569\ud558\ub294 \ube44\uc988\ub2c8\uc2a4\uc6a9 \uc800\ube44\uc6a9 \uc218\uae08 \ub3c4\uad6c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><em>\uacf5\uae09\ub9dd \uae08\uc735<\/em>P2P \ub300\ucd9c \ud50c\ub7ab\ud3fc(\uc608: \ud380\ub529 \uc18c\uc0ac\uc774\uc5b4\ud2f0)\uc740 \ub370\uc774\ud130 \uae30\ubc18 \ub9ac\uc2a4\ud06c \uad00\ub9ac\ub97c \ud1b5\ud574 \uc911\uc18c\uae30\uc5c5\uc5d0 \uc720\uc5f0\ud55c \uc790\uae08 \uc870\ub2ec\uc744 \uc81c\uacf5\ud558\uc5ec \ub514\uc9c0\ud138 \uacb0\uc81c \uc218\uc694\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ubc0f \uc815\ucc45 \ucd09\uc9c4<\/strong><\/h3>\n<ul>\n<li>BNM<em>\ud540\ud14c\ud06c \uc0cc\ub4dc\ubc15\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c<\/em>\uc2a4\ud0c0\ud2b8\uc5c5\uc774 \ud1b5\uc81c\ub41c \ud658\uacbd\uc5d0\uc11c \ud601\uc2e0\uc801\uc778 \uacb0\uc81c \uc194\ub8e8\uc158(\uc608: \uc0dd\uccb4\uc778\uc99d, \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc560\ud50c\ub9ac\ucf00\uc774\uc158)\uc744 \ud14c\uc2a4\ud2b8\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li>*2022-2026\ub144 \uae08\uc735 \ubd80\ubb38\uc758 \ud070 \uccad\uc0ac\uc9c4*\uc740 \uae30\uc874 \uc740\ud589\uc774 API\ub97c \ud1b5\ud574 \ub370\uc774\ud130\ub97c \uacf5\uc720\ud558\uace0 \ud540\ud14c\ud06c\uc640 \uae30\uc874 \uae30\uad00\uc758 \ud611\uc5c5\uc744 \ucd09\uc9c4\ud558\ub294 \uc624\ud508 \ubc45\ud0b9(OB)\uc744 \uba85\uc2dc\uc801\uc73c\ub85c \uc7a5\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \ub9ac\uc2a4\ud06c \uad00\ub9ac \ucd5c\uc801\ud654\ub97c \uc704\ud55c AI \ubc0f \ube45 \ub370\uc774\ud130<\/strong><\/h3>\n<ul>\n<li><em>\uc0ac\uae30 \ud0d0\uc9c0<\/em>\uc804\uc790\uc9c0\uac11 \ud50c\ub7ab\ud3fc\uc740 \uba38\uc2e0\ub7ec\ub2dd\uc744 \uc0ac\uc6a9\ud558\uc5ec \uac70\ub798 \ud589\ub3d9\uc744 \ubd84\uc11d\ud558\uace0 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \ucc28\ub2e8\ud569\ub2c8\ub2e4(\uc608: Boost\uc758 AI \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c).<\/li>\n<li><em>\uc2e0\uc6a9 \uc810\uc218<\/em>\ub300\uccb4 \ub370\uc774\ud130 \uc18c\uc2a4(\uc608: \uc804\uc790\uc0c1\uac70\ub798 \uac70\ub798 \uae30\ub85d)\ub97c \uc2e0\uc6a9 \ubaa8\ub378\uc5d0 \ud1b5\ud569\ud558\uc5ec \uc740\ud589 \uacc4\uc88c\uac00 \uc5c6\ub294 \uc0ac\uc6a9\uc790\uac00 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. \ub3c4\uc804 \uacfc\uc81c \ubc0f \ud5a5\ud6c4 \ub3d9\ud5a5<\/strong><\/h3>\n<ol>\n<li><strong>\uaddc\uc81c \uade0\ud615<\/strong>\ud601\uc2e0\uacfc \uc704\ud5d8\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ubc29\ubc95(\uc608: \uc554\ud638\ud654\ud3d0 \uacb0\uc81c\uc5d0 \ub300\ud55c \uc8fc\uc758)\uc774 \uc5ec\uc804\ud788 \ud575\uc2ec\uc785\ub2c8\ub2e4.<\/li>\n<li><em><strong>\uc288\ud37c \uc571 \uc0dd\ud0dc\ud559<\/strong><\/em>\uacb0\uc81c, \ub300\ucd9c, \ubcf4\ud5d8 \uc11c\ube44\uc2a4\ub97c \ub354\uc6b1 \ud1b5\ud569\ud558\uc5ec \ud3d0\uc1c4\ud615 \uae08\uc735 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\ub294 Grab \ubc0f Shopee\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc774 \ub4f1\uc7a5\ud560 \uac83\uc785\ub2c8\ub2e4.<\/li>\n<li><em><strong>\uc9c0\uc18d \uac00\ub2a5\ud55c \uae08\uc735<\/strong><\/em>\uce5c\ud658\uacbd \uc18c\ube44\ub97c \uc7a5\ub824\ud558\uae30 \uc704\ud574 \ud0c4\uc18c \ubc1c\uc790\uad6d \ucd94\uc801 \uae30\ub2a5\uc744 \ub3c4\uc785\ud55c \uc804\uc790\uc9c0\uac11\uc774 \ub4f1\uc7a5\ud558\uba74\uc11c '\uce5c\ud658\uacbd \uacb0\uc81c'\ub77c\ub294 \uac1c\ub150\uc774 \ub5a0\uc624\ub974\uace0 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