{"id":3226,"date":"2025-06-06T11:13:27","date_gmt":"2025-06-06T03:13:27","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3226"},"modified":"2025-06-06T11:13:27","modified_gmt":"2025-06-06T03:13:27","slug":"%e4%b8%ad%e4%b8%9c%e7%94%b5%e5%95%86%e5%b8%82%e5%9c%ba%e6%94%af%e4%bb%98%e6%96%b9%e6%a1%88%e5%85%a8%e8%a7%a3%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/%e4%b8%ad%e4%b8%9c%e7%94%b5%e5%95%86%e5%b8%82%e5%9c%ba%e6%94%af%e4%bb%98%e6%96%b9%e6%a1%88%e5%85%a8%e8%a7%a3%e6%9e%90\/","title":{"rendered":"\uc911\ub3d9 \uc804\uc790 \uc0c1\uac70\ub798 \uc2dc\uc7a5 \uacb0\uc81c \uc194\ub8e8\uc158 \uc124\uba85"},"content":{"rendered":"

\uc911\ub3d9 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uacb0\uc81c \uc194\ub8e8\uc158: \uae30\ud68c\uc640 \uacfc\uc81c<\/h1>\n

I. \uc911\ub3d9 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \ubc1c\uc804 \ub3d9\ud5a5<\/h2>\n

\uc911\ub3d9 \uc9c0\uc5ed\uc740 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uc911 \ud558\ub098\ub85c, \ucd5c\uadfc \uba87 \ub144\uac04 \ud3ed\ubc1c\uc801\uc778 \ubc1c\uc804\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud1b5\uacc4\uc5d0 \ub530\ub974\uba74 \uc911\ub3d9 \ubc0f \ubd81\uc544\ud504\ub9ac\uce74(MENA) \uc9c0\uc5ed\uc758 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uaddc\ubaa8\ub294 2023\ub144\uc5d0 500\uc5b5 \ub2ec\ub7ec\ub97c \ub3cc\ud30c\ud588\uc73c\uba70, 2025\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 201% \uc774\uc0c1\uc758 \ubcf5\ud569 \uc131\uc7a5\ub960\uc744 \uc720\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube60\ub978 \ubc1c\uc804\uc740 \uc8fc\ub85c \uc774 \uc9c0\uc5ed\uc758 \uc80a\uc740 \uc778\uad6c(30\uc138 \ubbf8\ub9cc \uc778\uad6c \uc57d 60%), \ub192\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960(70% \uc774\uc0c1), \ub514\uc9c0\ud138 \uc778\ud504\ub77c\uc758 \uc9c0\uc18d\uc801\uc778 \uac1c\uc120\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4.<\/p>\n

\uad6d\uac00\uc801 \uad00\uc810\uc5d0\uc11c \ubcfc \ub54c \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8\uc640 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\ub294 \uc758\uc2ec\ud560 \uc5ec\uc9c0 \uc5c6\uc774 \uc911\ub3d9 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5\uc758 \uc57d 601\uc870 3,000\uc5b5 \ub2ec\ub7ec\ub97c \ucc28\uc9c0\ud558\ub294 \uc774 \uc9c0\uc5ed\uc758 \ub9ac\ub354\uc785\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc758 '\ube44\uc804 2030'\uacfc UAE\uc758 '\ub514\uc9c0\ud138 \uacbd\uc81c \uc804\ub7b5'\uacfc \uac19\uc740 \uad6d\uac00 \ud601\uc2e0 \uacc4\ud68d\uc740 \ud604\uc9c0 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc744 \uac15\ub825\ud558\uac8c \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8 \uce74\ud0c0\ub974, \ucfe0\uc6e8\uc774\ud2b8 \ub4f1 \uac78\ud504 \uad6d\uac00\ub4e4\ub3c4 \uac15\ub825\ud55c \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc911\ub3d9 \uc80a\uc740 \uc18c\ube44\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc720\ud589\ud558\ub294 '\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL)', \uc5f0\uc911 \uc804\uccb4\uc758 3\ubd84\uc758 1\uc744 \ucc28\uc9c0\ud558\ub294 \ub77c\ub9c8\ub2e8 \uae30\uac04\uc758 \uc628\ub77c\uc778 \ud310\ub9e4, 75%\uc758 \ub192\uc740 \ubaa8\ubc14\uc77c \uad6c\ub9e4 \ube44\uc911 \ub4f1 \uc18c\ube44\uc790 \ud589\ub3d9\uc740 \uc911\ub3d9 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5\uc758 \ub3c5\ud2b9\ud55c \ud658\uacbd\uc744 \uad6c\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uc911\ub3d9 \uc9c0\uc5ed\uc758 \uacb0\uc81c \ud658\uacbd \ubc0f \uc0ac\uc6a9\uc790 \uc2b5\uad00 \ud2b9\uc131 \ubd84\uc11d<\/h2>\n

\uc911\ub3d9 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\uae30 \uc704\ud574\uc11c\ub294 \ud604\uc9c0 \uacb0\uc81c \ud658\uacbd\uc5d0 \ub300\ud55c \uae4a\uc740 \uc774\ud574\uac00 \ud544\uc218\uc785\ub2c8\ub2e4. \ud604\uae08 \uacbd\uc81c\uc758 \uc804\ud1b5\uc774 \uae4a\uc740 \uc911\ub3d9\uc740 \ub514\uc9c0\ud138 \uacb0\uc81c\ub85c\uc758 \uc804\ud658\uc774 \ube60\ub974\uac8c \uc9c4\ud589\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

\uc2e0\uc6a9 \uce74\ub4dc \uc0ac\uc6a9<\/strong>\uac78\ud504 \uad6d\uac00\uc5d0\uc11c\ub294 \ube44\uc790 \ubc0f \ub9c8\uc2a4\ud130\uce74\ub4dc \ubcf4\uae09\ub960\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc9c0\ub9cc(\uc57d 45~55%), \uc804\ubc18\uc801\uc778 \uc2e0\uc6a9\uce74\ub4dc \ubcf4\uc720\uc728\uc740 \uc720\ub7fd\uacfc \ubbf8\uad6d\uc5d0 \ube44\ud574 \uc5ec\uc804\ud788 \ub0ae\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc911\ub3d9\uc5d0\uc11c\ub294 \uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \uc0c1\ud488 \uc0ac\uc6a9\uc744 \uaebc\ub9ac\ub294 \ubcf4\uc218\uc801\uc778 \uc18c\ube44\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c '\uc120\ubd88 \uce74\ub4dc'\uac00 \ub9e4\uc6b0 \uc778\uae30\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud604\uc9c0 \ud2b9\uc218 \uacb0\uc81c \ubc29\ubc95<\/strong>::<\/p>\n

    \n
  1. \ub9c8\ub2e4 \uce74\ub4dc<\/strong>(\uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544): 90%\uac00 \ub118\ub294 \uc0ac\uc6b0\ub514 \uc131\uc778 \uc778\uad6c\ub97c \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc0ac\uc6b0\ub514 \uc790\uccb4 \uc9c1\ubd88\uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\uc785\ub2c8\ub2e4.<\/li>\n
  2. Fawry<\/strong>(\uc774\uc9d1\ud2b8): 3,000\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc120\ub3c4\uc801\uc778 \uc804\uc790 \uccad\uad6c\uc11c \uacb0\uc81c \ud50c\ub7ab\ud3fc<\/li>\n
  3. \ubca0\ub124\ud54f\ud398\uc774<\/strong>(\ubc14\ub808\uc778): \ud734\ub300\ud3f0 \ubc88\ud638 \uae30\ubc18 \uc989\uc2dc \uc1a1\uae08 \uc2dc\uc2a4\ud15c<\/li>\n
  4. QPay<\/strong>(\uce74\ud0c0\ub974): \uc5ec\ub7ec \ud604\uc9c0 \ubc45\ud0b9 \uc778\ud130\ud398\uc774\uc2a4\uc640 \ud1b5\ud569\ub41c \ub514\uc9c0\ud138 \uc9c0\uac11<\/li>\n<\/ol>\n

    \uc885\uad50\uc801, \ubb38\ud654\uc801 \uc694\uc778<\/strong>\uc774\uc2ac\ub78c \uae08\uc735 \uc6d0\uce59\uc740 \uc774\uc790(\ub9ac\ubc14) \ubd80\uacfc\ub97c \uae08\uc9c0\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc0e4\ub9ac\uc544\ub97c \uc900\uc218\ud558\ub294 \ud2b9\uc218 \uae08\uc735 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uac1c\ubc1c\ud558\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud560\ub784 \uc778\uc99d\uc744 \ubc1b\uc740 \uacb0\uc81c \uc194\ub8e8\uc158\uc740 \ubb34\uc2ac\ub9bc \uc18c\ube44\uc790\uc758 \uc2e0\ub8b0\ub97c \uc5bb\uc744 \uac00\ub2a5\uc131\uc774 \ub354 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n

    \ud45c: \uc8fc\uc694 \uc911\ub3d9 \uad6d\uac00\uc5d0\uc11c \uc120\ud638\ud558\ub294 \uc628\ub77c\uc778 \uacb0\uc81c \uc218\ub2e8 \ube44\uc728<\/em>
    \n| \uad6d\uac00 | \uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc | \uc804\uc790\uc9c0\uac11 | \ub300\uae08 \uacb0\uc81c | \uc740\ud589 \uc1a1\uae08 |
    \n|——|—————|———-|——————|—————|
    \n| \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8 | 58% | 22% | 12% | 8% | \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8\uc5f0\ud569
    \n| \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544 | 42% | -18%- (\ub9c8\ub2e4 \uc8fc\ub3c4) | -25%- |-15%- |
    \n|-\uc774\uc9d1\ud2b8 - |-28%- |-35%- (\ud3ec\ub9ac \uae30\ubc18) |-30%- |-7%- |<\/p>\n

    III. \uc8fc\uc694 \uad6d\uacbd \uac04 \uc218\uc9d1 \ud504\ub85c\uadf8\ub7a8 \ube44\uad50 \ubc0f \uc120\ud0dd \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n

    \uc911\ub3d9 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\ub824\ub294 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub2e4\uc74c\uacfc \uac19\uc740 \uac80\uc99d\ub41c \uc218\uae08 \uc194\ub8e8\uc158\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4:<\/p>\n

    1.\uad6d\uc81c \uc2e0\uc6a9 \uce74\ub4dc \ud68d\ub4dd<\/strong>
    \n\uae00\ub85c\ubc8c \ubc94\uc6a9\uc131\uc758 \uc7a5\uc810\uc740 \ub2e4\uad6d\uc801 \uace0\uac1d\uc744 \uc0c1\ub300\ud558\ub294 \uae30\uc5c5\uc5d0 \ud2b9\ud788 \uc801\ud569\ud569\ub2c8\ub2e4. 3D Secure 2.0 \uc778\uc99d\uc744 \uc9c0\uc6d0\ud558\uace0 \uacb0\uc81c \uac70\ubd80 \uc704\ud5d8\uc744 \uc904\uc774\uae30 \uc704\ud574 \ud604\uc9c0 \uccad\uc0b0 \uae30\ub2a5\uc744 \uac16\ucd98 \uc11c\ube44\uc2a4 \uc81c\uacf5 \uc5c5\uccb4\ub97c \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc694\uae08\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 2.9% ~ 3.5% \ubc94\uc704\uc785\ub2c8\ub2e4.<\/p>\n

    2.\ud604\uc9c0\ud654\ub41c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569<\/strong>
    \nCheckout.com \ub610\ub294 Geidea\uc640 \uac19\uc740 \uc9c0\uc5ed \ud5e4\ub4dc \ud504\ub85c\uc138\uc11c\uc640 \uc81c\ud734\ud558\uba74 \uc5ec\ub7ec \uc9c0\uc5ed \ub124\ud2b8\uc6cc\ud06c\uc5d0 \ud55c \ubc88\uc5d0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc194\ub8e8\uc158\uc740 \ucd08\uae30 \ud22c\uc790 \ube44\uc6a9\uc774 \ud06c\uc9c0\ub9cc \uc7a5\uae30\uc801\uc73c\ub85c \uc804\ud658\uc728\uc774 \ud06c\uac8c \uc99d\uac00\ud558\uc5ec \ud55c \ud328\uc158 \ube0c\ub79c\ub4dc\ub294 \uacb0\uc81c \uc131\uacf5\ub960\uc774 401%\uae4c\uc9c0 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    3.\ub300\uccb4 \uacb0\uc81c \uc218\ub2e8(APM)<\/strong>
    \n\ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4:
    \n–\ub514\uc9c0\ud138 \uc9c0\uac11<\/strong>\uce90\ub9ac\uc5e0 \ud398\uc774, STC \ud398\uc774 \ub4f1 \uc2e0\ud765 \uc138\ub825\uc774 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.
    \n–\uc774\ub3d9 \ud1b5\uc2e0\uc0ac \uccad\uad6c<\/strong>:: \ud2b9\ud788 \uc18c\uc561 \uac70\ub798\uc758 \uacbd\uc6b0 \ud734\ub300\ud3f0 \uccad\uad6c\uc11c\uc5d0 \uc9c1\uc811 \uacb0\uc81c \ucd94\uac00\ud558\uae30
    \n–\uc554\ud638\ud654\ud3d0<\/strong>\ub450\ubc14\uc774, \uac00\uc0c1 \uc790\uc0b0 \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uae30\uc900\uc774 \ub0ae\uc544\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

    4.\ub300\uae08\uacb0\uc81c \ucd5c\uc801\ud654 \uc804\ub7b5<\/strong>
    \nCOD\uc758 \ube44\uc728\uc740 \uac10\uc18c\ud558\uace0 \uc788\uc9c0\ub9cc \uc774\uc9d1\ud2b8\uc640 \uac19\uc740 \uad6d\uac00\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 \uc9c0\ubc30\uc801\uc785\ub2c8\ub2e4. \ub2e4\uc74c\uacfc \uac19\uc740 \uc870\uce58\ub85c \uc704\ud5d8\uc744 \ud1b5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:
    \n-\uae08\uc561\uc758 \uc77c\ubd80\ub97c \ubcf4\uc99d\uae08\uc73c\ub85c \ub3d9\uacb0\ud560 \uc218 \uc788\ub294 \uc0ac\uc804 \uc2b9\uc778
    \n-\uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uace0\uac1d\uce35\uc744 \uc120\ubcc4\ud558\uae30 \uc704\ud574 \uc804\ubb38 \ubb3c\ub958\uc5c5\uccb4\uc640 \ud568\uaed8 \ucc44\uc810 \uc2dc\uc2a4\ud15c \uad6c\ucd95
    \n-\uace0\uc561 \uc8fc\ubb38\uc5d0 \ub300\ud55c \uc120\ubd88 \uc804\uc6a9 \uc635\uc158<\/p>\n

    IV. \uaddc\uc815 \uc900\uc218 \uacfc\uc81c \ubc0f \uae30\uc220\uc801 \uad6c\ud604 \ud3ec\uc778\ud2b8<\/p>\n

    \uc138\uae08 \uce21\uba74\uc5d0\uc11c\ub294 \uac78\ud504 6\uac1c\uad6d\uc5d0\uc11c \ubd80\uac00\uac00\uce58\uc138(VAT)\uac00 \uc804\uba74 \uc2dc\ud589\ub418\uc5c8\uc73c\uba70, \ud45c\uc900 \uc138\uc728\uc740 \ub300\ubd80\ubd84 5%\uc785\ub2c8\ub2e4(15%\ub85c \uc870\uc815\ub41c \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544 \uc81c\uc678). \uae30\uc5c5\uc740 \uc2dc\uc2a4\ud15c\uc774 \uc138\uae08 \ud3ec\ud568 \uac00\uaca9\uc744 \uc790\ub3d9\uc73c\ub85c \uacc4\uc0b0\ud558\uc5ec \ud45c\uc2dc\ud558\uace0 \ub3d9\uc2dc\uc5d0 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \uc1a1\uc7a5 \ud15c\ud50c\ub9bf\uc744 \uc0dd\uc131\ud558\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

    UAE \ub370\uc774\ud130 \ubcf4\ud638\ubc95\uacfc \uac19\uc740 \ub370\uc774\ud130 \uc8fc\uad8c \uaddc\uc815\uc740 \uc2dc\ubbfc\uc758 \uac1c\uc778 \uc815\ubcf4\ub97c \ud574\ub2f9 \uc9c0\uc5ed \ub0b4 \uc11c\ubc84\uc5d0 \uc800\uc7a5\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4. \uc774\ub294 \ud074\ub77c\uc6b0\ub4dc \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uac00 \ud604\uc9c0 \ub370\uc774\ud130 \uc13c\ud130 \ud30c\ud2b8\ub108\ub97c \ubcf4\uc720\ud574\uc57c \ud55c\ub2e4\ub294 \uc758\ubbf8\uc785\ub2c8\ub2e4.<\/p>\n

    \uae30\uc220 \uad6c\ud604 \uc218\uc900\uc5d0 \uc911\uc810\uc744 \ub450\uc5b4\uc57c \ud569\ub2c8\ub2e4.
    \n\uac70\ub798 \uc2e4\ud328\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c 1.SCA(\uac15\ub825\ud55c \ud074\ub77c\uc774\uc5b8\ud2b8 \uc778\uc99d) \uc900\uc218
    \n2. \uc0ac\uc6a9\uc790 \uacbd\ud5d8 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc544\ub78d\uc5b4 RTL(\uc624\ub978\ucabd\uc5d0\uc11c \uc67c\ucabd\uc73c\ub85c) \uc778\ud130\ud398\uc774\uc2a4 \uc9c0\uc6d0
    \n3. \uad6c\ub3c5 \ube44\uc988\ub2c8\uc2a4 \uc190\uc2e4\uc744 \uc904\uc774\uae30 \uc704\ud55c '\uc6d0\ud074\ub9ad \uad6c\ub3c5 \uac31\uc2e0' \uae30\ub2a5 \ucd5c\uc801\ud654<\/p>\n

    \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uc870\uc0ac\uac00 \uc810\uc810 \ub354 \uc5c4\uaca9\ud574\uc9d0\uc5d0 \ub530\ub77c \uc0ac\uc804 \uc900\ube44\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.
    \n-\uc218\uc775\uc801 \uc18c\uc720\uad8c \uc815\ubcf4 \ubb38\uc11c \uc791\uc131
    \n-\uc0c1\uc138\ud55c \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378 \uc124\uba85 \uc790\ub8cc
    \n-\uc9c0\ub09c 6\uac1c\uc6d4 \ub3d9\uc548\uc758 \uac70\ub798 \ud750\ub984 \uae30\ub85d<\/p>\n

    V. \uc131\uacf5 \uc0ac\ub840 \ubd84\uc11d \ubc0f \uc2e4\uc6a9\uc801\uc778 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n

    \uc911\ub3d9\uc5d0\uc11c \uc170\uc778\uc758 \uc131\uacf5\uc740 \uc720\uc5f0\ud55c \uba40\ud2f0 \uacb0\uc81c \uc804\ub7b5\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \ud604\uc9c0\uc758 \ubaa8\ub4e0 \uc8fc\ub958 \uc635\uc158\uc744 \ud1b5\ud569\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ubcf4\uc218\uc801\uc778 \uc5ec\uc131 \uace0\uac1d\uc744 \uc704\ud55c \ud788\ub4e0 \ud328\ud0a4\uc9c0 + \uc775\uba85 \uacb0\uc81c \uc870\ud569 \ub4f1 \ub2e4\uc591\ud55c \uc138\uadf8\uba3c\ud2b8\ub97c \uc704\ud55c \ucc28\ubcc4\ud654\ub41c \ud504\ub85c\uadf8\ub7a8\uc744 \uac1c\ubc1c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    Noon Academy\uc758 \uad50\uc721 \ud50c\ub7ab\ud3fc\uc740 \ud734\ub300\ud3f0 \ubc88\ud638\ub9cc\uc73c\ub85c \ud559\uc2b5\uc744 \uc2dc\uc791\ud560 \uc218 \uc788\ub3c4\ub85d \uac00\uc785 \uc808\ucc28\ub97c \uac04\uc18c\ud654\ud558\uace0, \uc774\ud6c4 \ub2e8\uacc4\uc801\uc73c\ub85c \uc644\uc804\ud55c \uc815\ubcf4\ub97c \uc218\uc9d1\ud558\uc5ec \uc5c5\uacc4 \ud3c9\uade0\uc758 2\ubc30\uc5d0 \ub2ec\ud558\ub294 \uc804\ud658\uc728\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

    \uc2e4\ubb34 \ucc28\uc6d0\uc758 \ud669\uae08\ub960.
    \n\u221a\ud658\uc728 \uac71\uc815\uc744 \ud53c\ud558\uae30 \uc704\ud574 \ud56d\uc0c1 \ud604\uc9c0 \ud1b5\ud654 \uac00\uaca9\uc744 \ud45c\uc2dc\ud569\ub2c8\ub2e4.
    \n\u221a \uacb0\uc81c \ud398\uc774\uc9c0 \uc0c1\ub2e8\uc5d0 \ubcf4\uc548 \uc778\uc99d \ub85c\uace0\ub97c \ub208\uc5d0 \uc798 \ub744\uac8c \ud45c\uc2dc\ud569\ub2c8\ub2e4.
    \n\u221a \ud558\uc774\uc5d4\ub4dc \uace0\uac1d\uc744 \uc704\ud55c \uc804\uc6a9 \uc544\ub78d\uc5b4 \uace0\uac1d \uc11c\ube44\uc2a4 \ud56b\ub77c\uc778
    \n\u221a \uac01 \ucc44\ub110\uc758 \ucc98\ub9ac \uc18d\ub3c4\ub97c \uc815\uae30\uc801\uc73c\ub85c \ud14c\uc2a4\ud2b8\ud558\uc5ec \uc751\ub2f5\uc774 \ub290\ub9b0 \ud30c\ud2b8\ub108\ub97c \uc81c\uac70\ud569\ub2c8\ub2e4.<\/p>\n

    \ud5a5\ud6c4 \uc8fc\ubaa9\ud574\uc57c \ud560 \ud2b8\ub80c\ub4dc\uc5d0\ub294 \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC) \uc2dc\ubc94 \ud504\ub85c\uc81d\ud2b8\uc640 \uc624\ud508 \ubc45\ud0b9 API \ud45c\uc900\uc758 \ubc1c\uc804 \ub4f1 \ud5a5\ud6c4 2\ub144\uac04 \uc5ed\ub0b4 \uc790\uae08 \ud750\ub984 \ubc29\uc2dd\uc744 \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\ub294 \ud601\uc2e0\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc5b4 \uc9c0\uc18d\uc801\uc778 \uad00\uc2ec\uc744 \uae30\uc6b8\uc5ec\uc57c \ud560 \uac83\uc785\ub2c8\ub2e4.<\/p>\n

    VI. \uc911\ub3d9 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ubbf8\ub798 \ud2b8\ub80c\ub4dc\uc640 \ud601\uc2e0 \ubc29\ud5a5<\/h2>\n

    1. \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC)\uc758 \ubd80\uc0c1<\/h3>\n

    \uc911\ub3d9\uc758 \uc911\uc559\uc740\ud589\ub4e4\uc740 \ub514\uc9c0\ud138 \ud654\ud3d0 \ubd84\uc57c\uc5d0\uc11c \ud65c\ubc1c\ud558\uac8c \ud65c\ub3d9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

      \n
    • \uc0ac\uc6b0\ub514-UAE \uacf5\ub3d9 \ud504\ub85c\uc81d\ud2b8<\/strong>\uc2e4\uc2dc\uac04 \uad6d\uacbd \uac04 \uacb0\uc81c\ub97c \ubaa9\ud45c\ub85c \ud558\ub294 Aber \ub514\uc9c0\ud138 \ud1b5\ud654 \ube0c\ub9ac\uc9c0 \ud30c\uc77c\ub7ff \ub2e8\uacc4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \ub514\uc9c0\ud138 \ub514\ub974\ud568 \ud504\ub85c\uadf8\ub7a8<\/strong>: UAE \uc911\uc559\uc740\ud589, 2025\ub144\uae4c\uc9c0 \uc18c\ub9e4\uc6a9 CBDC \ucd9c\uc2dc \uc608\uc815<\/li>\n
    • \uc0ac\uc6b0\ub514 \ub514\uc9c0\ud138 \ub9ac\uc584<\/strong>\ud14c\uc2a4\ud2b8 \uc911\uc778 \ub3c4\ub9e4 \uc740\ud589 \uac04 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624<\/li>\n<\/ul>\n

      \uc774\ucee4\uba38\uc2a4\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5:
      \n- \uad6d\uacbd \uac04 \uac70\ub798 \ube44\uc6a9\uc744 30% \uc774\uc0c1 \uc808\uac10\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.
      \n- \uc790\ub3d9 \uccad\uad6c\uc11c \ubd84\ud560\ub85c \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8 \uc2e4\ud604 \uac00\ub2a5
      \n- '\ud504\ub85c\uadf8\ub7a8 \uac00\ub2a5\ud55c \ud1b5\ud654'\uac00 \uc0c8\ub85c\uc6b4 \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\uc744 \ud0c4\uc0dd\uc2dc\ud0ac \uac83\uc785\ub2c8\ub2e4.<\/p>\n

      2. \uc624\ud508 \ubc45\ud0b9\uc758 \ubb3c\uacb0<\/h3>\n

      \uac78\ud504\ub9cc \uad6d\uac00\uc758 \uaddc\uc81c \ub2f9\uad6d\uc740 \uc624\ud508 API \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc18d\uc18d \uacf5\uac1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:
      \n–\uc0ac\uc6b0\ub514 SAMA<\/strong>17\uac1c \ud540\ud14c\ud06c \uae30\uc5c5\uc774 \uacc4\uc88c \ud1b5\ud569 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub3c4\ub85d \uc2b9\uc778\ubc1b\uc558\uc2b5\ub2c8\ub2e4.
      \n–\ubc14\ub808\uc778 BBK \uc740\ud589<\/strong>PISP(\uacb0\uc81c \uac1c\uc2dc \uc11c\ube44\uc2a4) \uc778\ud130\ud398\uc774\uc2a4 \ucd5c\ucd08 \ucd9c\uc2dc
      \n–\ub450\ubc14\uc774 \uad6d\uc81c \uae08\uc735 \uc13c\ud130(DIFC), \ucd08\uace0\uce35 \ube4c\ub529<\/strong>(DIFC)\uac00 \uc544\ud0dc\uc9c0\uc5ed \ucd5c\ucd08\uc758 \uc624\ud508 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd\uc744 \uc644\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

      \uc77c\ubc18\uc801\uc778 \uc801\uc6a9 \uc2dc\ub098\ub9ac\uc624\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:
      \n\u221a \uae30\uc874 \uc2e0\uc6a9 \ubcf4\uace0\uc11c\uc758 \ub300\uc548\uc73c\ub85c \uc2e4\uc81c \uc18c\ube44\uc790 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uc2e0\uc6a9 \uc810\uc218
      \n\u221a '\uc740\ud589 \uacc4\uc88c\uc5d0\uc11c \uc9c1\uc811 \uacb0\uc81c' \ud504\ub85c\uadf8\ub7a8\uc758 \uc804\ud658\uc728\uc774 \uce74\ub4dc \uacb0\uc81c\ubcf4\ub2e4 \ub192\uc74c 15%-20%
      \n\u221a B2B \uacf5\uae09\ub9dd \uae08\uc735\uc744 \uc704\ud55c \uc790\ub3d9\ud654\ub41c \uc815\uc0b0 \uacb0\uc81c<\/p>\n

      3. BNPL \ubaa8\ub378\uc758 \ud604\uc9c0\ud654\ub41c \uc9c4\ud654
      \n\uc911\ub3d9 BNPL \uc2dc\uc7a5\uc740 67%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \ub3c5\ud2b9\ud55c \ubc1c\uc804 \uacbd\ub85c\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

      \ud45c: \uc8fc\uc694 \ub85c\uceec BNPL \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 \ube44\uad50<\/em>
      \n| \ud50c\ub7ab\ud3fc | \ubcf8\uc0ac | \uc8fc\uc694 \uae30\ub2a5 | \ud0c0\uac9f \uace0\uac1d\uce35
      \n|———|——–|————————|——————|
      \n| \ud0c0\ub9c8\ub77c | \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544 | \uc0e4\ub9ac\uc544 \uaddc\uc815 \uc900\uc218 \uc900\ube44 \ub2e8\uacc4 | Z\uc138\ub300 \uc5ec\uc131 \uc18c\ube44\uc790 |
      \n| Tabby | \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8 | VIP \uba64\ubc84\uc2ed \ubb34\uc774\uc790 \ud61c\ud0dd | \uc911\uc0c1\uc704 \uc18c\ub4dd \uc9c1\uc7a5\uc778 |
      \n| \uce90\uc288 | \ubc14\ub808\uc778 \uff5c\ubc95\uc778 \uc9c1\uc6d0 \uc804\uc6a9 \uc2e0\uc6a9 \ud55c\ub3c4\uff5c\ub300\uae30\uc5c5 \uad6d\uc601\uae30\uc5c5 \uc9c1\uc6d0 |<\/p>\n

      \uc6b4\uc601 \uad8c\uc7a5 \uc0ac\ud56d:
      \n-\ub77c\ub9c8\ub2e8 \uae30\uac04\uc5d0 \uc2dc\uc791\ud55c '90\uc77c \uacb0\uc81c \uc9c0\uc5f0' \ucea0\ud398\uc778\uc73c\ub85c \ucd5c\uace0\uc758 \uc131\uacfc\ub97c \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.
      \n\ud1b5\uc2e0\uc0ac\uc640\uc758 \ud611\ub825\uc744 \ud1b5\ud574 \uc804\ud654 \uc694\uae08 \ud06c\ub808\ub527\uc744 \uacc4\uc57d\uae08\uc73c\ub85c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \uc11c\ube44\uc2a4\ub294 \ub9e4\uc6b0 \uc778\uae30\uac00 \uc788\uc2b5\ub2c8\ub2e4.
      \n-\uc774\uc2ac\ub78c \uae08\uc735 \uc694\uac74\uc744 \ucda9\uc871\ud558\uae30 \uc704\ud574 \uc790\ub3d9 \uba74\uc81c \uacc4\uc0b0\uae30\uac00 \ub0b4\uc7a5\ub418\uc5b4 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

      VII. \uc704\ud5d8 \uad00\ub9ac \ubc0f \ubd84\uc7c1 \ud574\uacb0 \uba54\ucee4\ub2c8\uc998<\/p>\n

      1. \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \uad6c\ucd95
      \n\uc911\ub3d9 \uc9c0\uc5ed\uacfc \uad00\ub828\ub41c \uc704\ud5d8 \uc720\ud615\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n

        \n
      • \uc8fc\uc18c \uc0ac\uae30<\/strong>: \uc57d 25%\uc758 \ub300\uae08 \uc0c1\ud658 \uc8fc\ubb38\uc5d0 \ub300\ud55c \uc798\ubabb\ub41c \ubc30\uc1a1 \uc815\ubcf4 \uc81c\uacf5<\/li>\n
      • SIM \uce74\ub4dc \uc0ac\uae30<\/strong>OTP \uc778\uc99d\uc774 \uc720\ucd9c\ub41c \uacbd\uc6b0 \uc5f0\uac04 120% \uc99d\uac00<\/li>\n
      • \uac00\uc871 \uacf5\uc720 \uacc4\uc815<\/strong>\ube44\uac1c\uc778 \uac70\ub798 \uad00\ub828 \ubd84\uc7c1 \uac74\uc218 \uc99d\uac00<\/li>\n<\/ul>\n

        \uad8c\uc7a5\ub418\ub294 \uc608\ubc29 \ubc0f \uc81c\uc5b4 \uc870\ud569.
        \n\ub514\ubc14\uc774\uc2a4 \uc9c0\ubb38 + \ud589\ub3d9 \uc0dd\uccb4\uc778\uc2dd 2\ub2e8\uacc4 \uc778\uc99d \u25ba\ubb3c\ub958 GPS \uc11c\uba85 \uc99d\uba85 \ubcf4\uad00 \uc2dc\uc2a4\ud15c \u25ba\ubb38\uc790 \uba54\uc2dc\uc9c0 \ub300\uc2e0 \uc544\ub78d\uc5b4 \uc74c\uc131 \uc778\uc99d \ucf54\ub4dc \uc81c\uacf5<\/p>\n

        \uacb0\uc81c \uac70\ubd80(\ucc28\uc9c0\ubc31) \uad00\ub9ac \ud3ec\uc778\ud2b8 2.
        \n\ubb38\ud654\uc801\uc73c\ub85c \ubbfc\uac10\ud55c \uc0ac\uc548\uc744 \ucc98\ub9ac\ud558\uae30 \uc704\ud55c \uc6d0\uce59.
        \n\uc8fc \uc694\uc77c\uc778 \uae08\uc694\uc77c\uc5d0\ub294 \uc218\uac70 \uc791\uc5c5\uc744 \ud53c\ud558\uc138\uc694.
        \n\ubd84\uc7c1\uc774 \ubc1c\uc0dd\ud55c \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc740 \uc544\ub78d\uc5b4 \uc6d0\uc5b4\ubbfc \uc704\uc6d0\uc774 \ucc98\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.
        \n(iii) \uc885\uad50\uc801 \uacf5\ud734\uc77c\uc774 \ud3ec\ud568\ub41c \uc8fc\ubb38\uc5d0 \ub300\ud574 \ub354 \ub109\ub109\ud55c \ubc18\ud488 \uae30\uac04 \uc81c\uacf5<\/p>\n

        \uae30\uc220\uc801 \ub300\uc751.
        \n\uace0\uc704\ud5d8 \uc9c0\uc5ed IP\ub97c \uc790\ub3d9\uc73c\ub85c \ucc28\ub2e8\ud558\ub294 \uc9c0\ub2a5\ud615 \ub77c\uc6b0\ud305 \uc2dc\uc2a4\ud15c \uad6c\ud604 \u25b2'\uc6b0\ud638\uc801 \uc0ac\uae30' \ube14\ub799\ub9ac\uc2a4\ud2b8 \uacf5\uc720 \uc5f0\ud569 \uad6c\ucd95 \u25b2\uc911\uc7ac \uc804 \ub300\uc751 \uc2dc\uac04 72\uc2dc\uac04 \uc774\ub0b4\ub85c \uad00\ub9ac.<\/p>\n

        VIII. \ud604\uc9c0\ud654 \uc791\uc5c5 \uc2e4\ubb34 \uae30\uc220<\/p>\n

        1. \uc778\ud130\ud398\uc774\uc2a4 \ub514\uc790\uc778\uc758 \ud669\uae08\ub960
        \n\uc624\ub978\ucabd\uc73c\ub85c \uc815\ub82c\ub41c \ub808\uc774\uc544\uc6c3\uc744 \ucca0\uc800\ud788 \uc801\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4(RTL \uc9c0\uc6d0 \uac10\uc9c0 \ubaa9\ub85d).
        \n\uae30\ubcf8 \uc0c9\uc0c1\uc778 \ub179\uc0c9\uc774 \ube68\uac04\uc0c9 40%(\ubb38\ud654\uc801 \uc0c9\uc0c1 \uc120\ud638\ub3c4)\ubcf4\ub2e4 \ub354 \ub9ce\uc774 \ud074\ub9ad\ud569\ub2c8\ub2e4.
        \n\uc81c\ud488 \uc0ac\uc9c4\uc5d0\uc11c \uc67c\uc190 \ud074\ub85c\uc988\uc5c5 \ud53c\ud558\uae30(\uc77c\ubd80 \ubcf4\uc218\uc801\uc778 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uae08\uae30) \u25b6 \uc81c\ud488 \uc0ac\uc9c4\uc5d0\uc11c \uc67c\uc190 \ud074\ub85c\uc988\uc5c5 \ud53c\ud558\uae30<\/p>\n

        2. \uace0\uac1d \uc11c\ube44\uc2a4 \uc2dc\uc2a4\ud15c \uad6c\ucd95 \uad8c\uc7a5 \uc0ac\ud56d
        \n\uacc4\uce35\ud654\ub41c \uc751\ub2f5 \uae30\uc900\uc758 \uc608
        \n\uc77c\ubc18 \ubb38\uc758 \u2192 4\uc2dc\uac04 \uc774\ub0b4 \uc544\ub78d\uc5b4 \uc774\uba54\uc77c \ud68c\uc2e0 \u2192 \uae34\uae09 \ubd88\ub9cc \uc0ac\ud56d \u2192 \ud604\uc9c0 \ubc88\ud638\ub85c \uc5f0\uc911\ubb34\ud734 \uc804\ud654 \uc774\uc6a9 \u2192 VIP \uace0\uac1d \u2192 WhatsApp \ube44\uc988\ub2c8\uc2a4 \uacc4\uc815 \uc804\ub2f4 \uad00\ub9ac\uc790<\/p>\n

        \ud544\uc218 \ub3c4\uad6c \uad6c\uc131: \u2194 \uc544\ub78d\uc5b4 \ubcc0\ud615\uc744 \uc9c0\uc6d0\ud558\ub294 AI \ucc57\ubd07 \u2194 \ubc29\uc5b8 \uc778\uc2dd \uc5d4\uc9c4(\uac78\ud504\uc640 \ubd81\uc544\ud504\ub9ac\uce74 \uc5b5\uc591\uc740 \ub9e4\uc6b0 \ub2e4\ub984) \u2194 \ub77c\ub9c8\ub2e8 \uae30\uac04 \ub3d9\uc548 \uc790\ub3d9\uc73c\ub85c \uc870\uc815\ub41c \uc11c\ube44\uc2a4 \uc77c\uc815<\/p>\n

        IX. \ub9ac\uc18c\uc2a4 \ub9e4\uce6d \ubc0f \ud611\ub825 \ub124\ud2b8\uc6cc\ud0b9<\/p>\n

        \uc8fc\uc694 \uae30\uad00 \uc5f0\ub77d\ucc98 \ubaa9\ub85d
        \n\ub450\ubc14\uc774 \ucee4\uba38\uc2dc\ud2f0 FTA(\uc804\uc790\uc0c1\uac70\ub798 \ub77c\uc774\uc120\uc2a4 \uc911\uc2ec) \u25b7 \ub450\ubc14\uc774 \ucee4\uba38\uc2dc\ud2f0 FTA(\uc804\uc790\uc0c1\uac70\ub798 \ub77c\uc774\uc120\uc2a4 \uc911\uc2ec)
        \n\ub9ac\uc57c\ub4dc \ud540\ud14c\ud06c \uc0ac\uc6b0\ub514(\uacb0\uc81c \ud601\uc2e0 \uc561\uc140\ub7ec\ub808\uc774\ud130) \u25b7 \ub9ac\uc57c\ub4dc \ud540\ud14c\ud06c \uc0ac\uc6b0\ub514(\uacb0\uc81c \ud601\uc2e0 \uc561\uc140\ub7ec\ub808\uc774\ud130)
        \n\ub3c4\ud558 QDB(\uce74\ud0c0\ub974 \uac1c\ubc1c\uc740\ud589 \ubcf4\uc870\uae08 \uc2e0\uccad \ucc44\ub110) \u25b7 \uce74\ud0c0\ub974 \uac1c\ubc1c\uc740\ud589 \ubcf4\uc870\uae08 \uc2e0\uccad \ucc44\ub110<\/p>\n

        \ub9e4\ub144 \ucc38\uc5ec\ud560 \ub9cc\ud55c \uac00\uce58\uac00 \uc788\ub294 \uc774\ubca4\ud2b8.
        \n\uc6d0\ud65c\ud55c \uc911\ub3d9 \uc804\uc2dc\ud68c \u2605GITEX \uae00\ub85c\ubc8c \ud14c\ud06c\ub180\ub85c\uc9c0 \uc704\ud06c \u2605STEP \ucee8\ud37c\ub7f0\uc2a4 \uc2a4\ud0c0\ud2b8\uc5c5 \ub85c\ub4dc\uc1fc<\/p>\n

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