{"id":3229,"date":"2025-06-06T11:13:32","date_gmt":"2025-06-06T03:13:32","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3229"},"modified":"2025-06-06T11:13:32","modified_gmt":"2025-06-06T03:13:32","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \ub3d9\ud5a5 \uc778\uc0ac\uc774\ud2b8(2025\ub144 \uc804\ub9dd)"},"content":{"rendered":"<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ud070 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc2dc\uc7a5\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ube60\ub974\uac8c \ud655\uc7a5\ub418\uace0 \ub2e4\uc591\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ud604\uc7ac \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5\uc758 \uc8fc\uc694 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d \ubc0f \uad8c\uc7a5 \uc0ac\ud56d\uc785\ub2c8\ub2e4:<\/p>\n<h3>I. \ud575\uc2ec \ub3d9\uc778<\/h3>\n<ol>\n<li><strong>\ub514\uc9c0\ud138\ud654 \uac00\uc18d\ud654<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\uc778\ud130\ub137 \ubcf4\uae09\ub960 73%(2023\ub144, \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc790 2\uc5b5 \uba85 \uc774\uc0c1)\uc5d0 \ub2ec\ud560 \uc804\ub9dd<\/li>\n<li>\ucf54\ub85c\ub09819 \uc774\ud6c4 \ube44\uc811\ucd09 \uacb0\uc81c \uc218\uc694 \uae09\uc99d, \uc804\uc790\uc9c0\uac11 \uac70\ub798\uc561 \uc5f0\uac04 471\uc8703\ucc9c\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\uc815\ucc45 \uc9c0\uc6d0<\/strong><\/li>\n<\/ol>\n<ul>\n<li>BI \ube60\ub978 \uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c \ucd9c\uc2dc (2021)<\/li>\n<li>QRIS \ud1b5\ud569 QR\ucf54\ub4dc \ud45c\uc900 \uc801\uc6a9 \ubc94\uc704\uac00 85% \uac00\ub9f9\uc810\uc5d0 \ub3c4\ub2ec\ud588\uc2b5\ub2c8\ub2e4(2023\ub144 3\ubd84\uae30 \uae30\uc900).<\/li>\n<\/ul>\n<h3>II. \uc2dc\uc7a5 \ud658\uacbd\uc758 \uc9c4\ud654<\/h3>\n<p><strong>\uc9c0\ubc30\uc801\uc778 \ubaa8\ub378:<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\ud30c\uc774<br>\r\n    \uc81c\ubaa9 2023 \ube44\ud604\uae08 \uacb0\uc81c \ube44\uc911<br>\r\n    \"\uc804\uc790 \uc9c0\uac11\" : 42%<br>\r\n    \"\uc740\ud589 \uc1a1\uae08\" : 35%<br>\r\n    \"\uc2e0\uc6a9 \uce74\ub4dc\" : 15%<br>\r\n    \"\uae30\ud0c0\" : 8%<br>\r\n<\/code><\/pre>\n<p><strong>\ud5e4\ub4dc \ud50c\ub808\uc774\uc5b4 \ub2e4\uc774\ub0b4\ubbf9\uc2a4:<\/strong><\/p>\n<ul>\n<li>GoPay(GoTo \uadf8\ub8f9): \uc624\ud504\ub77c\uc778 \uc18c\ub9e4 \ud604\uc7a5\uc744 \uc911\uc2ec\uc73c\ub85c \uc6d4\uac04 \ud65c\ub3d9 3,800\ub9cc \uac74 \ub3cc\ud30c<\/li>\n<li>OVO(\ub9ac\ud3ec \uc81c\ud488\uad70): Grab\uacfc\uc758 \uae34\ubc00\ud55c \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud55c \ubaa8\ube4c\ub9ac\ud2f0 \ubd80\ubb38 \uc810\uc720\uc728 65%<\/li>\n<li>DANA(Ant Associates): \uc774\uc2ac\ub78c \uae08\uc735 \uae30\ub2a5\uc73c\ub85c 2\ucc9c\ub9cc \uba85\uc758 \ud560\ub784 \uc778\uc99d \uc0ac\uc6a9\uc790 \ud655\ubcf4<\/li>\n<\/ul>\n<h3>III. \ud601\uc2e0 \ubc29\ud5a5\uc5d0 \ub300\ud55c \uc18c\uacac<\/h3>\n<ol>\n<li>\n<p><strong>\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ubd80\uc0c1<\/strong><\/p>\n<ul>\n<li>BNPL \ubcf4\uae09\ub960\uc740 \uc5f0\uac04 2,101% \uc99d\uac00\ud588\uc73c\uba70, Akulaku\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc774\ucee4\uba38\uc2a4 \uc2dc\ub098\ub9ac\uc624\ub97c \ud1b5\ud55c \uace0\uac1d \ud655\ubcf4\ub85c 181%\uc758 \uc804\ud658\uc728\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad6d\uacbd \uac04 \uacb0\uc81c \ud601\uc2e0<\/strong><\/p>\n<ul>\n<li>PayLater \ud504\ub85c\uadf8\ub7a8\uc73c\ub85c \ub77c\uc790\ub2e4\uc758 \uad6d\uacbd \uac04 GMV\uac00 371% \uc131\uc7a5(2023\ub144 \uc0c1\ubc18\uae30 \ub370\uc774\ud130)\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc0dd\uccb4 \uc778\uc2dd \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong><\/p>\n<ul>\n<li>\ub9cc\ub514\ub9ac \uc740\ud589\uc758 \uc5bc\uad74 \uc778\uc2dd \uac70\ub798\uac00 \uc804\ubd84\uae30 \ub300\ube44 92% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>IV. \uaddc\uc81c \ucd08\uc810<\/h3>\n<p>\ub514\uc9c0\ud138 \uae08\uc735 \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ucd5c\uc2e0 \ucd08\uc548\uc758 \uc8fc\uc694 \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<br \/>\n\u25b6\ufe0f \uacc4\uce35\ud615 KYC \ub4f1\uae09 \uc720\ud6a8\uc131 \uac80\uc0ac \uc694\uac74(2024\ub144 2\ubd84\uae30\ubd80\ud130 \uc801\uc6a9)<br \/>\n\u25b6\ufe0f P2P \ub300\ucd9c \uae08\ub9ac \uc0c1\ud55c\uc120 0.8%\/\uc77c \uc124\uc815<br \/>\n\u25b6\ufe0f \ub370\uc774\ud130 \ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158\uc5d0 \ud0c0\uc0ac \ud504\ub85c\uc138\uc11c \uaddc\uc815 \uc900\uc218 \uc870\ud56d \ucd94\uac00<\/p>\n<h3>V. \uc804\ub7b5\uc801 \uad8c\uc7a5 \uc0ac\ud56d<\/h3>\n<p>\uc2e0\uaddc \uac00\uc785\uc790\uc758 \uacbd\uc6b0:<\/p>\n<ol>\n<li><strong>\uc7a5\uba74 \uc120\ud0dd \uc6b0\uc120\uc21c\uc704<\/strong>\n<pre><code class=\"language-python\"># \uc2dc\ub098\ub9ac\uc624 ROI \ud3c9\uac00 \ubaa8\ub378 \uc608\uc2dc \ud30c\ub77c\ubbf8\ud130   <br>\r\n\uc2dc\ub098\ub9ac\uc624 = [\"P2P \uc1a1\uae08\", \"\uc18c\uc561 \uac00\ub9f9\uc810 \uc218\uae08\", \"\uacf5\uacfc\uae08 \ub0a9\ubd80\"]<br>\r\n\ud68d\ub4dd_\ube44\uc6a9 = [12000,8500,6000] #IDR\/\uc0ac\uc6a9\uc790  <br>\r\nLTV = [450000,320000,280000]<br>\r\nprint([ltv[i]\/acquisition_cost[i] for i in range(3)])<br>\r\n# \ucd9c\ub825: [37.5,37.6,46.7] \u2192 \uc6b0\uc120\uc21c\uc704 \uc778\ud504\ub77c \uae30\uc5ec \uc2dc\ub098\ub9ac\uc624 ``<br>\r\n<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd \uacbd\ub85c<\/strong><br \/>\n\"PI \ub4f1\uae09 \ub77c\uc774\uc120\uc2a4 + \ud604\uc9c0 \uc740\ud589 \ud30c\ud2b8\ub108\uc2ed\" \ubaa8\ub378\uc744 \ucc44\ud0dd\ud558\ub294 \uac83\uc774 \uad8c\uc7a5\ub418\uba70, \uc0c1\uc5c5 \uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud560 \ub54c\ubcf4\ub2e4 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc744 40% \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<p>\ub97c \uae30\uc874 \uc6b4\uc601\uc790\uc5d0\uac8c \uc804\ub2ec\ud569\ub2c8\ub2e4:<br \/>\n\u2714\ufe0f \uc989\uac01\uc801\uc778 \uc694\uad6c \uc0ac\ud56d: \uc0c8\ub85c\uc6b4 \uc18c\uc15c \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1 \uacf5\uaca9\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud55c \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \uc5c5\uadf8\ub808\uc774\ub4dc(\uc190\uc2e4\ub960 0.17%\ub85c \uc99d\uac00)<br \/>\n\u2714\ufe0f \uc911\uae30 \uacc4\ud68d: \ub18d\uc5c5 \uacf5\uae09\ub9dd\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \uacb0\uc81c \uc194\ub8e8\uc158 \uac1c\ubc1c(\uc7a0\uc7ac\uc801 \uc2dc\uc7a5 \uaddc\ubaa8 270\uc870 IDR)<\/p>\n<p>\uc704\ud5d8 \ucc38\uace0: \uc2a4\ud14c\uc774\ube14 \ucf54\uc778\uc5d0 \ub300\ud55c BI\uc758 \uc815\ucc45 \ubcc0\ud654\uc640 \ud1a0\ucf54\ud53c\ub514\uc544\uc640 \uac19\uc740 \uc288\ud37c \uc571\uc758 \uae08\uc735 \ube44\uc988\ub2c8\uc2a4 \ud655\uc7a5 \uc18d\ub3c4\ub97c \uba74\ubc00\ud788 \ubaa8\ub2c8\ud130\ub9c1\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>VI. \uc2dc\uc7a5 \uc138\ubd84\ud654 \uae30\ud68c \ud65c\uc6a9<\/strong><\/h3>\n<h4><strong>2, 3\uc120 \ub3c4\uc2dc\uc758 \uce68\uccb4\ub41c \uc2dc\uc7a5(2, 3\uc120 \ub3c4\uc2dc) 1.<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>\ud604\uc0c1 \uc720\uc9c0<\/strong>::<\/p>\n<ul>\n<li>\uc790\uce74\ub974\ud0c0\uc640 \uac19\uc740 1\ub4f1\uae09 \ub3c4\uc2dc\uc758 \uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc740 75%\uc5d0 \ub2ec\ud558\uc9c0\ub9cc, \uc871\uc790\uce74\ub974\ud0c0, \uc218\ub77c\ubc14\uc57c\uc640 \uac19\uc740 2\ub4f1\uae09 \ub3c4\uc2dc\uc5d0\uc11c\ub294 45%\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<li>COD(\ub300\uae08 \uc0c1\ud658)\ub294 \uc5ec\uc804\ud788 \uc774\ucee4\uba38\uc2a4 \uac70\ub798\uc758 60% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\uba70, \ub514\uc9c0\ud138 \uacb0\uc81c \ub300\uccb4 \uc601\uc5ed\uc740 \uac70\ub300\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc804\ub7b5 \uc81c\uc548<\/strong>::<br \/>\n\u2705 <strong>\ud504\ub85d\uc2dc \ub124\ud2b8\uc6cc\ud06c \ubaa8\ub378<\/strong>\uc6cc\ub8fd(\uc804\ud1b5 \uc2dd\ub8cc\ud488\uc810) 30%\uc640 \uc81c\ud734\ud558\uc5ec \ucda9\uc804 \ud3ec\uc778\ud2b8\ub97c \uc124\uc815\ud558\uc5ec \uc0ac\uc6a9\uc790 \ud655\ubcf4 \ube44\uc6a9 \uc808\uac10 (\uc790\ubc14\uc5d0\uc11c DANA\uc758 \uc131\uacf5 \uc0ac\ub840 \ucc38\uc870)<br \/>\n\u2705 <strong>\ubc29\uc5b8 \uc74c\uc131 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8<\/strong>\uc21c\ub2e4\uc5b4\/\ubc1c\ub9ac\uc5b4 \uc74c\uc131 \uc778\uc2dd \uc9c0\uc6d0\uc73c\ub85c \ube44\uc790\ubc14 \uc9c0\uc5ed\uc5d0\uc11c\uc758 \uc0ac\uc6a9\uc131 \ud5a5\uc0c1<\/p>\n<\/li>\n<\/ul>\n<h4><strong>2. MSME(\ub9c8\uc774\ud06c\ub85c, \uc911\uc18c\uae30\uc5c5) \ub514\uc9c0\ud138\ud654 \uc560\ub85c\uc0ac\ud56d \ud574\uacb0<\/strong><\/h4>\n<pre><code class=\"language-mermaid\">\uc21c\uc11c\ub3c4 LR<br>\r\n    A [\ud310\ub9e4\uc790 \uc218\uc694] --&gt; B (\uc800\ube44\uc6a9 \uc218\uae08)<br>\r\n    A --&gt; C(\ud604\uae08 \ud750\ub984 \uad00\ub9ac)<br>\r\n    A --&gt; D(\uc7ac\uace0 \ud30c\uc774\ub0b8\uc2f1)<br>\r\n    \uc194\ub8e8\uc158 --&gt; E [\ud1b5\ud569 POS \ub2e8\ub9d0\uae30]<br>\r\n    \uc194\ub8e8\uc158 --&gt; F [\ub3d9\uc801 \uc2e0\uc6a9 \ud55c\ub3c4]<br>\r\n<\/code><\/pre>\n<ul>\n<li>\uace0\uc81d\uc758 \uc140\ub9ac \uc2dc\uc2a4\ud15c \uc785\uc99d: '\uc218\uae08 + \uc218\uc2e0 \ub300\ucd9c' \ucf64\ubcf4 \uc81c\uacf5\uc73c\ub85c \ud310\ub9e4\uc790 \uc720\uc9c0\uc728\uc744 82%\ub85c \ub04c\uc5b4\uc62c\ub9ac\ub2e4<\/li>\n<\/ul>\n<hr>\n<h3><strong>VII. \uae30\uc220 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \ubbf8\ub798 \uc9c0\ud5a5\uc801 \ub808\uc774\uc544\uc6c3<\/strong><\/h3>\n<h4><strong>(1) AI \uae30\ubc18 \ud48d\ud5a5\ud48d\uc18d \uc81c\uc5b4 \uc5c5\uadf8\ub808\uc774\ub4dc<\/strong><\/h4>\n<ul>\n<li>Grab\uc758 \ucd5c\uc2e0 \ub370\uc774\ud130\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:\n<ul>\n<li>LSTM \ubaa8\ub378\uc740 98.61 TP3T\uc758 \uc815\ud655\ub3c4\ub85c \uc0ac\uae30 \uac70\ub798\ub97c \ud0d0\uc9c0\ud569\ub2c8\ub2e4(\uae30\uc874 \uaddc\uce59 \uc5d4\uc9c4\uc758 \uacbd\uc6b0 891 TP3T\uc5d0 \ubd88\uacfc).<\/li>\n<li>\"\ub514\ubc14\uc774\uc2a4 \uc9c0\ubb38 + \ud589\ub3d9 \uc0dd\uccb4\uc778\uc2dd\"\uc73c\ub85c \uc2a4\ud0a4\ubc0d \uc190\uc2e4 40% \uac10\uc18c<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>(2) \uc6f9 3.0 \uacb0\uc81c \uc2e4\ud5d8<\/strong><\/h4>\n<p>\uaddc\uc81c \ub2f9\uad6d\uc758 \uc8fc\uc758\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2dc\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ud154\ucf64\uc140\uc758 NFT \uc804\ud654 \ucda9\uc804 \ud30c\uc77c\ub7ff(\uc77c\ubc18 \ucc44\ub110\ubcf4\ub2e4 \uc804\ud658\uc728 22% \ub192\uc74c)<\/li>\n<li>\uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8\ub97c \uc0ac\uc6a9\ud558\uc5ec \ud074\ub808\uc784 \uc815\uc0b0\uc744 \uc790\ub3d9\ud654\ud558\ub294 \ud30c\uc0ac\ub974\ud3f4\ub9ac\uc2a4\uc758 \uad6d\uacbd \uac04 \ubb34\uc5ed \ubcf4\ud5d8 \uc0c1\ud488<\/li>\n<\/ul>\n<hr>\n<h3><strong>VIII. \uacbd\uc7c1\uc0ac \ubca4\uce58\ub9c8\ud0b9 \ubd84\uc11d \ud504\ub808\uc784\uc6cc\ud06c<\/strong><\/h3>\n<p>\ud5e4\ub4dc \ud50c\ub808\uc774\uc5b4\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784\uc744 \ud3c9\uac00\ud558\uae30 \uc704\ud574 4\uc0ac\ubd84\uba74 \ub9e4\ud2b8\ub9ad\uc2a4\ub97c \uc0ac\uc6a9\ud588\uc2b5\ub2c8\ub2e4:<br \/>\n| \uace0\ube48\ub3c4 \uc2dc\ub098\ub9ac\uc624(\uc608: \uc6b4\uc1a1\/\ud14c\uc774\ud06c\uc544\uc6c3) | \uc800\ube48\ub3c4 \uace0\uac00\uce58 \uc2dc\ub098\ub9ac\uc624(\uc608: \uad50\uc721\/\uc758\ub8cc)<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|<br \/>\n| <em>\uc2ec\uce35\uc801\uc778 \uc218\uc9c1 \ud1b5\ud569<\/em> | \uace0\ud398\uc774-\uace0\ud1a0 \uc0dd\ud0dc | \ub9c1\ud06c\uc544\uc790-BPJS \uac74\uac15 \ubcf4\ud5d8 \ud611\ub3d9 \uc870\ud569 |<br \/>\n| <em>\uc624\ud508 \ud50c\ub7ab\ud3fc \uc804\ub7b5<\/em> | \uc1fc\ud53c\ud398\uc774 \ud0c0\uc0ac \uac1c\ubc1c\uc790 API | OVO-\ud06c\ub808\ub514\ubcf4 \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uc2e0\uc6a9 \uce74\ub4dc | \uc1fc\ud53c\ud398\uc774 \uacf5\ub3d9 \ube0c\ub79c\ub4dc \uc2e0\uc6a9\uce74\ub4dc<\/p>\n<p>\u25b6\ufe0f \uc8fc\uc694 \uacb0\uacfc: \ube44\uacf5\uac1c \uc5d0\ucf54 \ud50c\ub808\uc774\uc5b4 ARPU(<x-equation>4.2)\uac00 \uac1c\ubc29\ud615 \ud50c\ub7ab\ud3fc(<\/x-equation>1.8), \uadf8\ub7ec\ub098 \ud6c4\uc790\ub294 \ub354 \ube60\ub978 \uc18d\ub3c4\ub85c \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4 37%<\/p>\n<hr>\n<h3><strong>IX. \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uc2e4\ubb34 \uac00\uc774\ub4dc<\/strong><\/h3>\n<p>MAS \uc778\ub3c4\ub124\uc2dc\uc544(OJK) 2024 \uc0cc\ub4dc\ubc15\uc2a4 \uc911\uc810 \ubd84\uc57c:<br \/>\n1\ufe0f\u20e3 \uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL)\ub97c \uc704\ud55c \ub3d9\uc801 \uc2e0\uc6a9 \ud14c\uc2a4\ud2b8<br \/>\n2\ufe0f\u20e3 \uc704\uc131 \ub370\uc774\ud130\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \ub18d\uc5c5 \ubcf4\ud5d8\uae08 \uccad\uad6c \uc790\ub3d9\ud654<br \/>\n3\ufe0f\u20e3 \ub514\uc9c0\ud138 \ub8e8\ud53c \uc0ac\uc6a9 \uc0ac\ub840\ub97c \uc704\ud55c \ub3c4\ub9e4 CBDC<\/p>\n<p>\u270d\ufe0f \uc2e0\uccad \uc2dc \uc720\uc758\uc0ac\ud56d: 6\uac1c\uc6d4 \uc774\uc0c1\uc758 \ud604\uc9c0 \ub370\uc774\ud130 \ubcf4\uc548 \uac10\uc0ac \ubcf4\uace0\uc11c\uac00 \ud544\uc694\ud558\uba70, \uc678\uad6d\uc778 \uc18c\uc720\uad8c\uc774 49%\ub97c \ucd08\uacfc\ud558\ub294 \ud504\ub85c\uc81d\ud2b8\ub294 \uae30\uc220\uc774\uc804 \uacc4\ud68d\uc744 \ucd94\uac00\ub85c \uae30\uc7ac\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<h3><strong>X. \uc704\ud5d8 \uc870\uae30 \uacbd\ubcf4 \ub808\uc774\ub354 \ucc28\ud2b8<\/strong><\/h3>\n<pre><code class=\"language-mermaid\">\ud30c\uc774 \uc1fc\ub370\uc774\ud130<br>\r\n    \uc81c\ubaa9 TOP3 \uc6b4\uc601 \uc704\ud5d8 \uac00\uc911\uce58 \uc810\uc720\uc728(2024\ub144 \uc608\uce21)<br>\r\n    \"\uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4\" :35%<br>\r\n    \"\uad6d\uacbd\uc744 \ucd08\uc6d4\ud55c \uc288\ud37c \uc571 \uacbd\uc7c1\" :28%<br>\r\n    \"\uad6d\uacbd \uac04 \uae08\uc735 \ud750\ub984\uc5d0 \ub300\ud55c \uc81c\ud55c\" :20%<br>\r\n<\/code><\/pre>\n<p>\ube68\uac04\uc0c9 \uacbd\uace0: GoTo\uc640 \ube14\ub9ac\ube14\ub9ac\uc758 \ud569\ubcd1 \ud611\uc0c1\uc774 \uc131\uacf5\ud558\uba74 \uc778\ub3c4\ub124\uc2dc\uc544 38%\uc758 \uc804\uc790\uacb0\uc81c \ud750\ub984\uc774 \ud1b5\uc81c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uacfc \uac19\uc740 \ud5e4\uc9d5 \uc870\uce58\ub97c \uad8c\uc7a5\ud569\ub2c8\ub2e4:<br \/>\n\u2714\ufe0f \ucc28\ubcc4\ud654\ub41c \uc2dc\ub098\ub9ac\uc624 \uc81c\ud734\ub97c \uae34\uae09\ud788 \uad6c\ucd95\ud569\ub2c8\ub2e4(\uc608: \ub3c5\uc810 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud55c \ud398\ub974\ud0c0\ubbf8\ub098 \uc8fc\uc720\uc18c \uacf5\ub3d9 \uc81c\ud734).<br \/>\n\u2714\ufe0f, B2B \uacf5\uae09\ub9dd \uae08\uc735\uc73c\ub85c\uc758 \uc804\ud658 \uac00\uc18d\ud654<\/p>\n<p>\ud2b9\uc815 \ubc29\ud5a5\uc73c\ub85c \ub354 \ub098\uc544\uac00\uace0 \uc2f6\uc73c\uc2e0\uac00\uc694? \uc608\ub97c \ub4e4\uc5b4 \uc774\uc2ac\ub78c \uae08\uc735 \uaddc\uc815 \uc900\uc218\uc5d0 \ub300\ud55c \uc138\ubd80 \uc0ac\ud56d\uc774\ub098 DANA\uc640 Bank Syariah \uac04\uc758 \ud611\ub825 \uba54\ucee4\ub2c8\uc998 \uc124\uacc4\uc5d0 \ub300\ud55c \ub17c\uc758\ub97c \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ud070 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\ub294 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uacb0\uc81c \uc2dc\uc7a5\uc774 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/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":[39],"tags":[],"class_list":["post-3229","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5c3c\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u6570\u5b57\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u652f\u4ed8\u5e02\u573a\u8fd1\u5e74\u6765\u5448\u73b0\u5feb\u901f&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-06T03:13:32+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\",\"datePublished\":\"2025-06-06T03:13:32+00:00\",\"dateModified\":\"2025-06-06T03:13:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/\"},\"wordCount\":71,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5370\u5c3c\u652f\u4ed8\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/\",\"name\":\"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/#website\"},\"datePublished\":\"2025-06-06T03:13:32+00:00\",\"dateModified\":\"2025-06-06T03:13:32+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.deekpay.com\/#website\",\"url\":\"https:\/\/www.deekpay.com\/\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.deekpay.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.deekpay.com\/#organization\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\",\"url\":\"https:\/\/www.deekpay.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"contentUrl\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"width\":649,\"height\":191,\"caption\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\",\"name\":\"deekpay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"caption\":\"deekpay\"},\"sameAs\":[\"https:\/\/deekpay.com\"],\"url\":\"https:\/\/www.deekpay.com\/ko\/author\/deekpay\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\/","og_locale":"ko_KR","og_type":"article","og_title":"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09","og_description":"\u5370\u5c3c\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u6570\u5b57\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u652f\u4ed8\u5e02\u573a\u8fd1\u5e74\u6765\u5448\u73b0\u5feb\u901f&hellip;","og_url":"https:\/\/www.deekpay.com\/ko\/2025\/06\/06\/\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09\/","og_site_name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","article_published_time":"2025-06-06T03:13:32+00:00","author":"deekpay","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"deekpay","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"1\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09","datePublished":"2025-06-06T03:13:32+00:00","dateModified":"2025-06-06T03:13:32+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/"},"wordCount":71,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"articleSection":["\u5370\u5c3c\u652f\u4ed8"],"inLanguage":"ko-KR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/","url":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/","name":"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","isPartOf":{"@id":"https:\/\/www.deekpay.com\/#website"},"datePublished":"2025-06-06T03:13:32+00:00","dateModified":"2025-06-06T03:13:32+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/2025\/06\/06\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%e6%b4%9e%e5%af%9f%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"\u5370\u5c3c\u652f\u4ed8\u5e02\u573a\u8d8b\u52bf\u6d1e\u5bdf\uff082025\u9884\u6d4b\uff09"}]},{"@type":"WebSite","@id":"https:\/\/www.deekpay.com\/#website","url":"https:\/\/www.deekpay.com\/","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8","description":"","publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deekpay.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/www.deekpay.com\/#organization","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546","url":"https:\/\/www.deekpay.com\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/","url":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","contentUrl":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","width":649,"height":191,"caption":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546"},"image":{"@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d","name":"deekpay","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","caption":"deekpay"},"sameAs":["https:\/\/deekpay.com"],"url":"https:\/\/www.deekpay.com\/ko\/author\/deekpay\/"}]}},"_links":{"self":[{"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/posts\/3229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/comments?post=3229"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/posts\/3229\/revisions"}],"predecessor-version":[{"id":3230,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/posts\/3229\/revisions\/3230"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/media?parent=3229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/categories?post=3229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/ko\/wp-json\/wp\/v2\/tags?post=3229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}