{"id":3269,"date":"2025-06-09T12:26:30","date_gmt":"2025-06-09T04:26:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3269"},"modified":"2025-06-09T12:26:30","modified_gmt":"2025-06-09T04:26:30","slug":"%e5%a6%82%e4%bd%95%e5%88%a9%e7%94%a8%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%8f%90%e5%8d%87%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/09\/%e5%a6%82%e4%bd%95%e5%88%a9%e7%94%a8%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e6%8f%90%e5%8d%87%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f\/","title":{"rendered":"\ub9d0\ub808\uc774\uc2dc\uc544 Payments\ub85c \uc804\ud658\uc728\uc744 \ub192\uc774\ub294 \ubc29\ubc95"},"content":{"rendered":"<h1>\ub9d0\ub808\uc774\uc2dc\uc544 Payments\ub85c \uc804\ud658\uc728\uc744 \ub192\uc774\ub294 \ubc29\ubc95<\/h1>\n<h2>I. \ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uc138 \ubc88\uc9f8\ub85c \ud070 \uacbd\uc81c \uaddc\ubaa8\ub97c \uc790\ub791\ud558\ub294 \ub9d0\ub808\uc774\uc2dc\uc544\ub294 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uac00 \ubc88\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc774 85%\ub97c \ub118\uc5b4\uc11c\uba74\uc11c \uc804\uc790\uc9c0\uac11\uacfc \uc628\ub77c\uc778 \uacb0\uc81c \uc218\ub2e8\uc774 \uc804\ud1b5\uc801\uc778 \ud604\uae08 \uac70\ub798\ub97c \ube60\ub974\uac8c \ub300\uccb4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc2dc\uc7a5\uc758 \ud2b9\uc218\uc131\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc804\ud658\uc728 \ud5a5\uc0c1\uc744 \uc704\ud55c \uccab \ubc88\uc9f8 \ub2e8\uacc4\uc785\ub2c8\ub2e4.<\/p>\n<p>2023\ub144 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ub9d0\ub808\uc774\uc2dc\uc544 \uc804\uc790\uacb0\uc81c \uac70\ub798\uc561\uc740 \uc804\ub144 \ub300\ube44 321% \uc131\uc7a5\ud588\uc73c\uba70, Boost, Touch 'n Go eWallet, GrabPay\uc640 \uac19\uc740 \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc194\ub8e8\uc158\uc774 \uc2dc\uc7a5\uc744 \uc9c0\ubc30\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud574\uc678 \ud310\ub9e4\uc790\uac00 \ub9d0\ub808\uc774\uc2dc\uc544 \uc2dc\uc7a5\uc5d0\uc11c \uc131\uacf5\ud558\ub824\uba74 \ud604\uc9c0 \uc18c\ube44\uc790\uc758 \uacb0\uc81c \uc120\ud638\ub3c4\uc640 \ud589\ub3d9 \ud328\ud134\uc744 \uae4a\uc774 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<h2>II. \uc62c\ubc14\ub978 \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \ubc29\ubc95 \uc120\ud0dd\ud558\uae30<\/h2>\n<h3>1. \uc8fc\ub958 \uc804\uc790 \uc9c0\uac11 \ud1b5\ud569<\/h3>\n<ul>\n<li><strong>Touch 'n Go \uc804\uc790\uc9c0\uac11<\/strong>1,800\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790, \uad50\ud1b5 \uce74\ub4dc\uc640\uc758 \uc6d0\ud65c\ud55c \ud1b5\ud569<\/li>\n<li><strong>GrabPay<\/strong>\ud0dd\uc2dc \uc11c\ube44\uc2a4\ub97c \uc704\ud55c \uc288\ud37c \uc778\uc571 \uacb0\uc81c \ud1b5\ud569<\/li>\n<li><strong>Boost<\/strong>: \ud070 \uce90\uc2dc\ubc31 \ubc0f \ud2b9\ubcc4 \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \ud604\uc9c0 \ube0c\ub79c\ub4dc<\/li>\n<\/ul>\n<h3>2. \uc740\ud589 \uc1a1\uae08 \ud504\ub85c\uadf8\ub7a8 \ucd5c\uc801\ud654<\/h3>\n<p>Maybank2u \ubc0f CIMB Clicks\uc640 \uac19\uc740 \uc628\ub77c\uc778 \uc740\ud589 \uc1a1\uae08\uc740 \uc5ec\uc804\ud788 B2B \uac70\ub798\uc758 \ub9ce\uc740 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uc2e4\uc2dc\uac04 \uc54c\ub9bc\uacfc \uc6d0\ud074\ub9ad \uc774\ub3d9\uc744 \uc2e4\ud604\ud558\uba74 \uac70\ub798 \ud3ec\uae30\uc728\uc744 \ud06c\uac8c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>3. \ud3b8\uc758\uc810 \ud604\uae08 \uacb0\uc81c \uc635\uc158<\/h3>\n<p>\uc138\ube10\uc77c\ub808\ube10\uc758 \uce90\uc2dc\uc628\ub51c\ub9ac\ubc84\ub9ac\uc640 KK\ub9c8\ud2b8\uc758 \uc624\ud504\ub77c\uc778 \uacb0\uc81c \uc11c\ube44\uc2a4\ub294 \uc740\ud589\uc744 \uc774\uc6a9\ud558\uc9c0 \uc54a\ub294 \uc778\uad6c\uc5d0 \ub3c4\ub2ec\ud558\uc5ec \uc7a0\uc7ac \uace0\uac1d \uc804\ud658\uc728\uc744 5-81%\uae4c\uc9c0 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>III. \uae30\uc220 \uc218\uc900\uc5d0\uc11c\uc758 \ucd5c\uc801\ud654 \uc804\ub7b5<\/h2>\n<h3>API \uc778\ud130\ud398\uc774\uc2a4 \ud604\uc9c0\ud654 \uc801\uc6a9<\/h3>\n<p>\uc2dc\uc2a4\ud15c\uc774 \ub4c0\uc787\ub098\uc6b0 QR\ucf54\ub4dc \ud45c\uc900(\ub9d0\ub808\uc774\uc2dc\uc544 \uad6d\uac00 QR\ucf54\ub4dc)\uc744 \uc9c0\uc6d0\ud558\uace0 \ub9d0\ub808\uc774\uc2dc\uc544 \ud1b5\ud654\ub97c \uc18c\uc218\uc810 \ub458\uc9f8 \uc790\ub9ac\uae4c\uc9c0 \ud45c\uc2dc\ud558\ub294\uc9c0 \ud655\uc778\ud558\uc138\uc694(\uc608: RM9.99\uac00 \uc544\ub2cc RM9.990).<\/p>\n<h3>SMS\ub294 \ubaa8\ubc94 \uc0ac\ub840\ub97c \uac80\uc99d\ud569\ub2c8\ub2e4:<\/h3>\n<p>\ud604\uc9c0 \ub2e8\ucd95 \ucf54\ub4dc(+60\uac1c\uc758 \uc811\ub450\uc0ac) \uc0ac\uc6a9, MCMC\uc5d0\uc11c \uc9c0\uc815\ud55c \ucf58\ud150\uce20 \ud15c\ud50c\ub9bf \ud615\uc2dd \uc900\uc218. \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ub9d0\ub808\uc774\uc5b4 \uc778\uc99d \uba54\uc2dc\uc9c0\ub294 \uc601\uc5b4\ubcf4\ub2e4 \ud074\ub9ad\ub960\uc774 171 TP3T \ub354 \ub192\uc740 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>PCI DSS \uaddc\uc815 \uc900\uc218 \uac15\ud654:<\/h3>\n<p>\uc9c0\uc5ed \ub0b4 \ud1a0\ud070\ud654 \uae30\uc220\uc744 \ud1b5\ud574 \uad6d\uac00 \uac04 \ub370\uc774\ud130 \uc804\uc1a1\uc758 \uc704\ud5d8\uc744 \uc904\uc774\uace0, \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 \ud45c\uc2dc\ud560 Bank Negara \ub9d0\ub808\uc774\uc2dc\uc544\uac00 \uc2b9\uc778\ud55c PSP \uc778\uc99d \ub9c8\ud06c\ub97c \ud68d\ub4dd\ud558\uc138\uc694.<\/p>\n<h2>IV. \uc0ac\uc6a9\uc790 \uacbd\ud5d8 \ubc0f \ubb38\ud654\uc801 \uc801\uc751 \ub2a5\ub825<\/h2>\n<p>\uc5b8\uc5b4 \ud604\uc9c0\ud654\ub294 \ubc88\uc5ed\uc744 \ub118\uc5b4 \uc624\ub978\ucabd\uc5d0\uc11c \uc67c\ucabd\uc73c\ub85c \uc77d\ub294 \uc2b5\uad00\uc5d0 \ub9de\uac8c UI \uc694\uc18c\ub97c \uc870\uc815\ud558\uace0, 6%SST \uc138\uae08\uc774 \ud3ec\ud568\ub41c \uc81c\ud488 \uac00\uaca9(\uc608: \"RM106(SST \ud3ec\ud568)\")\uc744 \ud45c\uc2dc\ud558\uace0, \ud558\ub9ac\ub77c\uc57c\uc640 \uac19\uc740 \ucd95\uc81c \ud14c\ub9c8\uc5d0 \ub9de\uac8c \uae30\uac04 \ud55c\uc815 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4\ub97c \ub514\uc790\uc778\ud558\ub294 \ub4f1 \uadf8 \ubc94\uc704\uac00 \ub9e4\uc6b0 \ub113\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub370\uc774\ud130 \ubd84\uc11d \uacb0\uacfc, \uc790\uc704\uc5b4 \ud14d\uc2a4\ud2b8 \uc635\uc158\uc744 \ucd94\uac00\ud558\uba74 \ub3d9\ubd80 \ud574\uc548 \uc9c0\uc5ed\uc5d0\uc11c \uc804\ud658\uc728\uc774 221% \uc99d\uac00\ud588\uc73c\uba70, \uc0ac\ub77c\uc641 \uc0ac\uc6a9\uc790\ub4e4\uc740 \uc601\uc5b4 \ubc84\uc804\ubcf4\ub2e4 '\ubc14\uc57c\ub974 \uc138\uce74\ub791'(\uc9c0\uae08 \uacb0\uc81c) \ubc84\ud2bc\uc5d0 111% \ub354 \ub192\uc740 \ubc18\uc751\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>V. \ud64d\ubcf4 \ubc0f \uc2e0\ub8b0 \uad6c\ucd95 \uc870\ud569<\/p>\n<p>TNG \ub610\ub294 ShopeePay\uc640 \ud568\uaed8 \uc9c4\ud589\ud55c '0 \uc218\uc218\ub8cc \ub370\uc774' \ucea0\ud398\uc778, Facebook \ub9d0\ub808\uc774\uc5b4 \uadf8\ub8f9\uc5d0\uc11c FPX Bank\uc758 \ube44\ubc00 \uc5c6\ub294 \uacb0\uc81c\uc5d0 \ub300\ud55c \ud29c\ud1a0\ub9ac\uc5bc \ub3d9\uc601\uc0c1, \uc0ac\uc774\ubc84\ubcf4\uc548 \ub9d0\ub808\uc774\uc2dc\uc544\uc758 \ubcf4\uc548 \ubc30\uc9c0 \uc778\uc99d \ub4f1\uc744 \ud1b5\ud574 \uacb0\uc81c \uc644\ub8cc\uc728\uc774 \ud3c9\uade0 28% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. 28% \uacb0\uc81c \uc644\ub8cc\uc728.<\/p>\n<p>\ud2b9\ubcc4 \ucc38\uace0: \ubb34\uc2ac\ub9bc \uc18c\ube44\uc790\uac00 60% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud558\ubbc0\ub85c \uace0\uac00 \ud488\ubaa9 \ud310\ub9e4 \uc2dc \ud2b9\ud788 \uc911\uc694\ud55c \uc0e4\ub9ac\uc544 \uc900\uc218 \uc778\uc99d(\uc608: iPay88\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ud560\ub784 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774)\uc744 \ubc1b\uc740 \ud560\ubd80 \ud50c\ub79c\uc778\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc704\uc758 \ub2e4\ucc28\uc6d0\uc801 \uac1c\uc120\uc744 \ud1b5\ud574 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5\uc740 \ub9d0\ub808\uc774 \uc2dc\uc7a5\uc758 \ud3c9\uade0 \uc8fc\ubb38 \uc804\ud658\uc728\uc744 \uc5c5\uacc4 \ubca4\uce58\ub9c8\ud06c\uc778 1.8%\uc5d0\uc11c 3.2%-4.5%\ub85c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud575\uc2ec \uc6d0\uce59: \uac04\uc18c\ud654\ub41c \ud504\ub85c\uc138\uc2a4 + \ud604\uc9c0 \uc2e0\ub8b0 + \ubaa8\ubc14\uc77c \uc6b0\uc120 = \ub354 \ub192\uc740 \ub9e4\ucd9c \uc131\uc7a5\ub960\uc744 \uae30\uc5b5\ud558\uc138\uc694!<\/p>\n<h2>VI. \uacb0\uc81c \ud504\ub85c\uc138\uc2a4 \ucd5c\uc801\ud654 \uc804\ub7b5<\/h2>\n<h3><strong>1. \uc6d0\ud074\ub9ad \uacb0\uc81c<\/strong><\/h3>\n<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uc18c\ube44\uc790, \ud2b9\ud788 \ubaa8\ubc14\uc77c \uc0ac\uc6a9\uc790\ub294 \ube60\ub974\uace0 \ud3b8\ub9ac\ud55c \uacb0\uc81c \ud658\uacbd\uc744 \uc120\ud638\ud569\ub2c8\ub2e4. \uacb0\uc81c \ub2e8\uacc4\ub97c \uc904\uc774\uc138\uc694:<\/p>\n<ul>\n<li><strong>\uacb0\uc81c \uc815\ubcf4 \uc800\uc7a5<\/strong>\ub4f1\ub85d\ub41c \uc0ac\uc6a9\uc790\uac00 \uc2e0\uc6a9\uce74\ub4dc \ub610\ub294 \uc804\uc790\uc9c0\uac11 \uc815\ubcf4\ub97c \uc800\uc7a5\ud558\uace0 \uc9c0\ubb38\/\ube44\ubc00\ubc88\ud638 \uc778\uc99d\ub9cc\uc73c\ub85c \ub2e4\uc74c \uad6c\ub9e4 \uc2dc \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub3d9\uc801 \uc591\uc2dd \ucd5c\uc801\ud654<\/strong>\uc8fc\uc18c \ubc0f \uc5f0\ub77d\ucc98 \uc815\ubcf4\ub97c \uc790\ub3d9\uc73c\ub85c \uc785\ub825\ud558\uc5ec \uc218\ub3d9 \uc785\ub825 \uc624\ub958\ub85c \uc778\ud55c \uc8fc\ubb38 \ub204\ub77d\uc744 \uc904\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uacb0\uc81c \ub2e8\uacc4\uac00 \ucd94\uac00\ub420 \ub54c\ub9c8\ub2e4 \uc804\ud658\uc728\uc774 71%~121% \uac10\uc18c\ud558\uba70, Google Pay \ub610\ub294 Apple Pay \ud1b5\ud569\uc744 \ub3c4\uc785\ud558\uba74 \uacb0\uc81c \uc2dc\uac04\uc774 401% \uc774\uc0c1 \ub2e8\ucd95\ub429\ub2c8\ub2e4.<\/p>\n<h3><strong>2. \ub2e4\uc911 \ud1b5\ud654 \ubc0f \ud604\uc9c0 \ud1b5\ud654 \uac00\uaca9 \ucc45\uc815<\/strong><\/h3>\n<p>\uc77c\ubd80 \ud574\uc678 \ud310\ub9e4\uc790\ub294 \ubbf8\uad6d \ub2ec\ub7ec\ub85c \uacb0\uc81c\ud558\uc9c0\ub9cc, \ub9d0\ub808\uc774\uc2dc\uc544 \uc18c\ube44\uc790 \uc911 76% \uc774\uc0c1\uc774 \ub9c1\uae30\ud2b8(MYR)\ub85c \uac00\uaca9\uc774 \ucc45\uc815\ub41c \uc81c\ud488\uc744 \uc2e0\ub8b0\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc2e4\uc2dc\uac04 \ud658\uc728 \ubcc0\ud658<\/strong>\uac00\uaca9\uc774 \uc18c\uc218\uc810 \uc774\ud558 \ub450 \uc790\ub9ac\uae4c\uc9c0 \uc815\ud655\ud55c\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4(\uc608: RM50\uc774 \uc544\ub2cc RM49.99).<\/li>\n<li><strong>DCC \ub3d9\uc801 \ud1b5\ud654 \ubcc0\ud658 \uc218\uc218\ub8cc \ubc29\uc9c0<\/strong>\uc77c\ubd80 \uad6d\uc81c \uce74\ub4dc\ub294 \uacb0\uc81c \uc2dc 3%-5%\uc758 \uc218\uc218\ub8cc\ub97c \ucd94\uac00\ub85c \ubd80\uacfc\ud558\ubbc0\ub85c \uacb0\uc81c \ud3ec\uae30\uc728\uc774 \ub192\uc544\uc9d1\ub2c8\ub2e4. \"MYR\ub85c \uacb0\uc81c\ud558\ub294 \uac83\uc774 \ub354 \uc720\ub9ac\ud569\ub2c8\ub2e4\"\ub77c\ub294 \uba85\ud655\ud55c \uc54c\ub9bc\uc744 \uc81c\uacf5\ud558\uba74 \uc774\ub7ec\ud55c \uc704\ud5d8\uc744 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h2>VII. \ud560\ubd80 \ubc0f BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88) \uc804\ub7b5<\/h2>\n<h3><strong>1. \ub2e4\uc591\ud55c \uace0\uac1d \uc138\uadf8\uba3c\ud2b8\uc5d0 \ub9de\ub294 \uc720\uc5f0\ud55c \ud560\ubd80 \uacc4\ud68d<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\ud560\ubd80 \ud504\ub85c\uadf8\ub7a8<\/th>\n<th>\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624<\/th>\n<th>\uc804\ud658 \uacb0\uacfc \uac1c\uc120<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc544\ud1b0(\ubb34\uc774\uc790 \ud560\ubd80 3\ud68c)<\/td>\n<td>RM300 \ubbf8\ub9cc\uc758 \ud328\uc158\/\ubdf0\ud2f0<\/td>\n<td>+18% \uc8fc\ubb38 \ucc98\ub9ac\uc728<\/td>\n<\/tr>\n<tr>\n<td>GrabPayLater (6 \ubb38\uc81c)<\/td>\n<td>RM500-1500 \uc804\uc790 \uc81c\ud488<\/td>\n<td>+25% \uace0\uac1d \ub2e8\uac00 \uc131\uc7a5\ub960<\/td>\n<\/tr>\n<tr>\n<td>\uba54\uc774\ubc45\ud06c \uc2e0\uc6a9 \uce74\ub4dc 12\uac1c\uc6d4 0% \uc774\uc790<\/td>\n<td>RM2000+ \uac00\uc804\uc81c\ud488\/\uba85\ud488\ub958<\/td>\n<td>+30% \ub300\ub7c9 \uc8fc\ubb38<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>2. BNPL \ub9c8\ucf00\ud305 \uba54\uc2dc\uc9c0 \ucd5c\uc801\ud654<\/strong><\/h3>\n<p>\uc81c\ud488 \ud398\uc774\uc9c0\uc5d0 \ub208\uc5d0 \uc798 \ub744\ub294 \ud0dc\uadf8 \uc0bd\uc785: \"\uc120\uacb0\uc81c 0\uc6d0! \uc544\ud1b0\uc73c\ub85c 3\uac1c\uc6d4 \ub0b4 \uacb0\uc81c\"\ub77c\ub294 \ud0dc\uadf8\ub97c \uc81c\ud488 \ud398\uc774\uc9c0\uc5d0 \uc0bd\uc785\ud558\uc5ec \uacb0\uc81c \uc2dc \uc635\uc158\ub9cc \ud45c\uc2dc\ud560 \ub54c\ubcf4\ub2e4 \ud074\ub9ad\ub960\uc744 501% \ub192\uc774\uace0, \uc6d4\ubcc4 \uacb0\uc81c\uc561 \uacc4\uc0b0 \ub3c4\uad6c(\uc608: \"\uc6d4 33\ub9cc \uc6d0\")\ub97c \uc81c\uacf5\ud558\uc5ec \uad6c\ub9e4 \uacb0\uc815\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub3c4\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>VIII. \uc0ac\uae30 \uc704\ud5d8 \uad00\ub9ac \ubc0f \uac70\ub798 \uc131\uacf5\ub960 \uade0\ud615<\/p>\n<p>\uadf8\ub7ec\ub098 \ub3d9\ub0a8\uc544\uc2dc\uc544\ub294 \ub3c4\ub09c \uc704\ud5d8\uc774 \ub192\uae30 \ub54c\ubb38\uc5d0(\uc804 \uc138\uacc4 \ud3c9\uade0\uc758 \uc57d 1.8\ubc30) \uc9c0\ub098\uce58\uac8c \uc5c4\uaca9\ud55c \uc704\ud5d8 \uad00\ub9ac\ub85c \uc778\ud574 \ud569\ubc95\uc801\uc778 \uac70\ub798\uac00 \uc2e4\ud328\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc9c0\ub2a5\ud615 \ucc44\uc810 \uac80\uc99d \uc2dc\uc2a4\ud15c<\/strong>:\n<ul>\n<li>\u2264RM200 \uac70\ub798: SMS \uc778\uc99d<\/li>\n<li>RM200-RM1000: OTP + \ub514\ubc14\uc774\uc2a4 \uc2dd\ubcc4<\/li>\n<li>\u2265RM1000: AI \uc5bc\uad74 \ub9e4\uce6d(BNM \uc0dd\uccb4 \uc778\uc2dd \uc0ac\uc591\uc5d0 \ub530\ub77c \ub2e4\ub984)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>\uc2e4\ud5d8 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc774 \uc804\ub7b5\uc740 \uc2b9\uc778 \uac70\ubd80\uc728\uc744 0.5% \ubbf8\ub9cc\uc73c\ub85c \uc720\uc9c0\ud558\uba74\uc11c \uc2b9\uc778 \ud1b5\uacfc\uc728\uc744 72%\uc5d0\uc11c 89%\ub85c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>IX. \ud310\ub9e4 \ud6c4 \uacb0\uc81c \uacbd\ud5d8 \ubd80\uac00 \uac00\uce58 \uc11c\ube44\uc2a4<\/p>\n<p>1.<strong>\uc804\uc790\uc9c0\uac11\uc73c\ub85c\uc758 \uc790\ub3d9 \ud658\ubd88<\/strong>(Touch 'n Go\/GrabPay \ud658\ubd88\uc740 \uc740\ud589\ubcf4\ub2e4 3\uc601\uc5c5\uc77c \ube60\ub974\uac8c \ucc98\ub9ac\ub429\ub2c8\ub2e4.)<br \/>\n2.<strong>\uad6c\ub3c5 \uae30\ubc18 \ube44\uc988\ub2c8\uc2a4\ub97c \uc704\ud55c \ud2b9\ubcc4\ud55c \uc124\uacc4<\/strong>:<br \/>\n-\uc2a4\ud2b8\ub9ac\ubc0d \uc11c\ube44\uc2a4\ub97c \uc704\ud55c \uc120\ubd88 \uce74\ub4dc \ucda9\uc804 \ud328\ud0a4\uc9c0(\uc608: \"4\uac1c\uc6d4 VIP RM100\")\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n-\uc774\uc2ac\ub78c \uae08\uc735\uc744 \uc900\uc218\ud558\ub294 \uc790\ub3d9 \uac31\uc2e0 \ud504\ub85c\uadf8\ub7a8(\uac01 \uc778\ucd9c \uc804\uc5d0 \ud478\uc2dc \uc54c\ub9bc\uc744 \ud3ec\ud568\ud574\uc57c \ud568)<\/p>\n<p>\uc774\ub7ec\ud55c \ud310\ub9e4 \ud6c4 \ubcf4\ud638 \uc870\uce58\ub97c \ud1b5\ud574 \uc7ac\uad6c\ub9e4\uc728\uc744 601%\uae4c\uc9c0 \ub192\uc774\ub294 \ub3d9\uc2dc\uc5d0 \uace0\uac1d \uc11c\ube44\uc2a4 \ubb38\uc758\ub97c 151%\uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p><em>\ucd94\uac00 \uc870\uce58\ub97c \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/em>:<br \/>\n\uc989\uac01\uc801\uc778 A\/B \ud14c\uc2a4\ud2b8:<br \/>\n\uae30\uc874 \uc2e0\uc6a9\uce74\ub4dc \ucc44\ub110\uacfc \ub4c0\uc787\ub098\uc6b0 QR\ucf54\ub4dc \uacb0\uc81c\uc758 \uc804\ud658\uc728 \ucc28\uc774\ub97c \ube44\uad50\ud558\uc138\uc694.<br \/>\n\ub9d0\ub808\uc774\uc2dc\uc544 \ub3d9\ubd80 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc0ac\ub77c\uc641 \ud398\uc774 \uc2dc\ubc94 \uc6b4\uc601 \ud6a8\uacfc \ud3c9\uac00<br \/>\n\ubd80\uc2a4\ud2b8\uc640 \uc81c\ud734\ud558\uc5ec '\uae08\uc694\uc77c \uce90\uc2dc\ubc31 \ub370\uc774' \ud504\ub85c\ubaa8\uc158 \uc9c4\ud589<\/p>\n<p>\uc8fc\uc694 \uc9c0\ud45c\uc758 \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1: FPX \uc740\ud589 \uc1a1\uae08 \ud3ec\uae30\uc728, \uc804\uc790\uc9c0\uac11 \uce74\ub4dc \ubc14\uc778\ub529 \uc131\uacf5\ub960, BNPL \ubd80\uc2e4\ucc44\uad8c \ube44\uc728 \ub4f1 \ub3d9\uc801 \ucd5c\uc801\ud654 \ub8e8\ud504\ub97c \ud615\uc131\ud558\uae30 \uc704\ud574 \uc9c0\uc18d\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\ud569\ub2c8\ub2e4. (\ub05d)<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uacb0\uc81c\ub85c \uc804\ud658\uc744 \ub298\ub9ac\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694? 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