{"id":3271,"date":"2025-06-12T07:57:43","date_gmt":"2025-06-11T23:57:43","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3271"},"modified":"2025-06-12T07:57:43","modified_gmt":"2025-06-11T23:57:43","slug":"%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/12\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e4%b8%8e%e6%b3%95%e5%be%8b%e6%8c%91%e6%88%98\/","title":{"rendered":"\ubc29\uae00\ub77c\ub370\uc2dc\uc5d0\uc11c \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \uae30\uc220\uc801 \ubc0f \ubc95\uc801 \uacfc\uc81c"},"content":{"rendered":"

\ubc29\uae00\ub77c\ub370\uc2dc\uc758 \uad6d\uacbd \uac04 \uacb0\uc81c \ubd80\ubb38\uc740 \ube60\ub978 \uc131\uc7a5\uacfc \ud568\uaed8 \uc0c1\ub2f9\ud55c \uae30\uc220\uc801, \ubc95\uc801 \ubb38\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uae30\uc220 \ubc0f \ubc95\uc801 \uce21\uba74\uc5d0\uc11c \uc804\ubb38\uc801\uc73c\ub85c \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n

I. \uae30\uc220\uc801 \uacfc\uc81c<\/h3>\n
    \n
  1. \uc778\ud504\ub77c \uc81c\ud55c \uc0ac\ud56d<\/strong><\/li>\n<\/ol>\n
      \n
    • \ud540\ud14c\ud06c \ubcf4\uae09\ub960\uc740 341 TP3T(2022\ub144 \ub370\uc774\ud130)\uc5d0 \ubd88\uacfc\ud558\uace0 \ub18d\ucd0c \uc9c0\uc5ed\uc758 3G\/4G \ucee4\ubc84\ub9ac\uc9c0\ub294 601 TP3T \ubbf8\ub9cc\uc785\ub2c8\ub2e4.<\/li>\n
    • \uc804\uad6d\uc801\uc73c\ub85c 42\uac1c \uc740\ud589\ub9cc\uc774 \uc644\uc804\ud55c \uad6d\uacbd \uac04 \uacb0\uc81c \uae30\ub2a5\uc744 \uac16\ucd98 SWIFT \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc774 \ub0ae\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \uc911\uc559\uc740\ud589\uc758 \uc2e4\uc2dc\uac04 \uccad\uc0b0 \uc2dc\uc2a4\ud15c(RTGS)\uc758 \uc77c\uc77c \ucc98\ub9ac \uc6a9\ub7c9 \ud55c\ub3c4\ub294 50,000\uc2a4\ud2b8\ub85c\ud06c\ub85c, \uc5f0\ud3c9\uade0 27%\uc5d0 \ub2ec\ud558\ub294 \uad6d\uacbd \uac04 \uc774\ucee4\uba38\uc2a4 \uc131\uc7a5\uc5d0 \ub300\uc751\ud558\uae30 \uc5b4\ub835\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n
        <\/p>\n
      1. \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uaca9\ucc28<\/strong><\/li>\n<\/ol>\n
          \n
        • \ud604\uc9c0 \ubaa8\ubc14\uc77c \uacb0\uc81c \ud50c\ub7ab\ud3fc(\uc608: bKash, \ub098\uac00\ub4dc)\uc740 \ud3d0\uc1c4\uc801\uc778 \uc544\ud0a4\ud14d\ucc98\ub97c \uac00\uc9c0\uace0 \uc788\uc73c\uba70 \uad6d\uc81c \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c \uc778\ud130\ud398\uc774\uc2a4\uc640 \ud638\ud658\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/li>\n
        • API \ud45c\uc900\ud654 \ubd80\uc871\uc73c\ub85c 70%\uc758 \uad6d\uacbd \uac04 \uac8c\uc774\ud2b8\uc6e8\uc774 \ub9de\ucda4\ud615 \uac1c\ubc1c<\/li>\n<\/ul>\n
            <\/p>\n
          1. \ubc14\ub78c \uc81c\uc5b4 \uc2dc\uc2a4\ud15c\uc758 \ub2e8\uc810<\/strong><\/li>\n<\/ol>\n
              \n
            • \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \uc624\uacbd\ubcf4\uc728 181 TP3T(\uae00\ub85c\ubc8c \ud3c9\uade0 91 TP3T)<\/li>\n
            • AML \uc2a4\ud06c\ub9ac\ub2dd\uc740 \uaddc\uce59 \uc5d4\uc9c4(83%)\uc5d0 \uacfc\ub3c4\ud558\uac8c \uc758\uc874\ud558\uace0 \uba38\uc2e0 \ub7ec\ub2dd \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc774 \ubd80\uc871\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

              II. \ubc95\uc801 \uaddc\uc81c \uacfc\uc81c<\/h3>\n
                \n
              1. \uad50\ud658 \uc81c\uc5b4 \ud504\ub808\uc784\uc6cc\ud06c<\/strong><\/li>\n<\/ol>\n
                  \n
                • \uc678\ud658\uad00\ub9ac\ubc95\uc5d0 \ub530\ub77c \ubaa8\ub4e0 \uad6d\uacbd \uac04 \uac70\ub798\ub294 \uacf5\uc778 \ub51c\ub7ec(AD)\ub97c \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc838\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

                  II. \ubc95\uc801 \uaddc\uc81c \uacfc\uc81c(\uacc4\uc18d)<\/h3>\n
                    \n
                  1. \n

                    \uad50\ud658 \uc81c\uc5b4 \ud504\ub808\uc784\uc6cc\ud06c<\/strong><\/p>\n

                      \n
                    • \uc5c4\uaca9\ud55c \uc2b9\uc778 \ud504\ub85c\uc138\uc2a4<\/strong>\ubaa8\ub4e0 \ud574\uc678 \uacb0\uc81c\ub294 \ubc29\uae00\ub77c\ub370\uc2dc \uc740\ud589\uc758 \uacf5\uc778 \ub51c\ub7ec(AD)\ub97c \ud1b5\ud574 \ucc98\ub9ac\ud574\uc57c \ud558\uba70, \uac70\ub798\ub2f9 \ubbf8\ud654 50\ub9cc \ub2ec\ub7ec\ub97c \ucd08\uacfc\ud558\ub294 \uac70\ub798\ub294 \ucd94\uac00\ub85c \uc2e0\uace0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                    • \ud604\uc9c0 \ud1b5\ud654 \uc81c\ud55c<\/strong>\ud0c0\uce74(BDT)\ub294 \uc790\uc720\ub86d\uac8c \ud658\uc804\ud560 \uc218 \uc5c6\uc73c\uba70, \uae30\uc5c5\uc740 \ud574\uc678 \uacb0\uc81c\ub97c \uc704\ud574 \ubbf8\uad6d \ub2ec\ub7ec \ub610\ub294 \uae30\ud0c0 \uc9c0\uc815\ub41c \uc678\ud654\ub97c \uc0ac\uc6a9\ud574\uc57c \ud558\ubbc0\ub85c \ud658\uc728 \uc704\ud5d8\uacfc \ud658\uc804 \ube44\uc6a9\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4.<\/li>\n
                    • \uc218\ucd9c \uc218\uc775\uc758 \uac15\uc81c \uc1a1\ud658<\/strong>\uc678\ud658 \uad00\ub9ac \uaddc\uc815\uc5d0 \ub530\ub77c \uc218\ucd9c\uc5c5\uccb4\ub294 120\uc77c \uc774\ub0b4\uc5d0 \uc678\ud658 \uc218\uc785\uc744 \uc1a1\uae08\ud558\uace0 \uc815\uc0b0\ud574\uc57c \ud558\uba70, \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uac8c \ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      \ub370\uc774\ud130 \ud604\uc9c0\ud654 \ubc0f \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815 \uc900\uc218<\/strong><\/p>\n

                        \n
                      • 2018 \ub514\uc9c0\ud138 \ubcf4\uc548\ubc95\uc5d0\uc11c\ub294 \uacb0\uc81c \ub370\uc774\ud130\ub97c \uad6d\ub0b4 \ubc0f \ud574\uc678 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc5d0 \uc800\uc7a5\ud558\uc5ec \ub85c\uceec \uc11c\ubc84 \ub610\ub294 \uacf5\ub3d9 \ud638\uc2a4\ud305 \uc194\ub8e8\uc158\uc744 \ubc30\ud3ec\ud558\ub3c4\ub85d \uaddc\uc815\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
                      • \uad6d\uac00 \uac04 \ub370\uc774\ud130 \ud750\ub984\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uaddc\uce59\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 EU GDPR\uacfc \uac19\uc740 \uad6d\uc81c \ud45c\uc900\uc744 \uc801\uc6a9\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                      • \n

                        \uc790\uae08 \uc138\ud0c1\/\ud14c\ub7ec \uc790\uae08 \uc870\ub2ec \ubc29\uc9c0(AML\/CFT) \uc2a4\ud2b8\ub808\uc2a4<\/strong><\/p>\n

                          \n
                        • FATF \uadf8\ub808\uc774 \ub9ac\uc2a4\ud2b8 \uad6d\uac00 \uc9c0\uc704\ub294 2023\ub144\ubd80\ud130 \ubaa8\ub4e0 \uad6d\uacbd \uac04 \uac70\ub798\uc5d0 \uc218\uc775\uc801 \uc18c\uc720\uc790 \uc815\ubcf4(BOI)\ub97c \ucca8\ubd80\ud574\uc57c \ud558\ub294 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc744 \ud1b5\ud574 \ub354 \uc5c4\uaca9\ud55c \uaddc\uc81c\ub97c \uac15\uc81c\ud569\ub2c8\ub2e4.<\/li>\n
                        • \uad6d\ub0b4 \uc740\ud589\uc758 KYC \ub514\uc9c0\ud138\ud654\uc728\uc740 40% \ubbf8\ub9cc\uc774\uba70 \uc218\uc791\uc5c5 \uac80\ud1a0\ub85c \uc778\ud574 \ucc98\ub9ac \uc2dc\uac04\uc774 48-72\uc2dc\uac04(\uae00\ub85c\ubc8c \ud3c9\uade0 12\uc2dc\uac04)\uc73c\ub85c \ub290\ub824\uc9d1\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                        • \n

                          \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc218\ub2e8\uc73c\ub85c \uc778\ud55c \ud569\ubc95\uc131 \ubaa8\ud638\ud568<\/strong><\/p>\n

                            \n
                          • \uc554\ud638\ud654\ud3d0\ub294 \uc911\uc559\uc740\ud589\uc5d0\uc11c \uba85\uc2dc\uc801\uc73c\ub85c \uae08\uc9c0\ud558\uace0 \uc788\uc9c0\ub9cc, P2P \uad6d\uacbd \uac04 \uc1a1\uae08\uc740 \uc5ec\uc804\ud788 \ud68c\uc0c9\uc9c0\ub300\uc5d0\uc11c \uc6b4\uc601\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
                          • BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88) \ubc0f \uc2a4\ud14c\uc774\ube14\ucf54\uc778\uacfc \uac19\uc740 \ud601\uc2e0\uc801\uc778 \ubaa8\ub378\uc5d0\ub294 \uba85\ud655\ud55c \uaddc\uc81c \uac00\uc774\ub4dc\ub77c\uc778\uc774 \uc5c6\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                            \n

                            III. \uc5bc\uc74c \uae68\uae30\ub97c \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/h3>\n
                              \n
                            1. \uae30\uc220 \uce21\uba74 \uc194\ub8e8\uc158<\/strong><\/li>\n<\/ol>\n
                                \n
                              • \uacc4\uce35\ud615 \uc544\ud0a4\ud14d\ucc98<\/em>\"\ub85c\uceec \uccad\uc0b0 \ub808\uc774\uc5b4 + \uad6d\uc81c \ud504\ub85c\ud1a0\ucf5c \ub808\uc774\uc5b4\"\uc758 \ub4c0\uc5bc \ud2b8\ub799 \uc124\uacc4 \ucc44\ud0dd - \uc608: \ub9ac\ud50c\ub137\uc774 \ub85c\uceec RTGS \uc2dc\uc2a4\ud15c\uacfc \uc778\ud130\ud398\uc774\uc2a4\ud558\ub294 \uacbd\uc6b0.<\/li>\n
                              • \uc784\ubca0\ub514\ub4dc \uaddc\uc815 \uc900\uc218<\/em>\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 AI \uae30\ubc18 \uc2e4\uc2dc\uac04 AML \uc2a4\ud06c\ub9ac\ub2dd \ub3c4\uad6c\ub97c \ud1b5\ud569\ud558\uc5ec \uc624\ud0d0\uc744 \uc904\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n
                                  <\/p>\n
                                1. \ubc95\uc801 \uce21\uba74 \uc804\ub7b5<\/em><\/li>\n<\/ol>\n
                                    \n
                                  • \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/em>\uc778\ub3c4\uc758 UPI \uacbd\ud5d8\uc744 \ucc38\uace0\ud558\uc5ec \ud14c\uc2a4\ud2b8 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud558\uc5ec AD \uccb4\uc81c \uc81c\ud55c\uc744 \ub3cc\ud30c\ud558\uc138\uc694.<\/li>\n
                                  • \uc591\uc790 \uac04 \ud569\uc758 \ub3cc\ud30c\uad6c<\/em>\uc911\uad6d\uc758 '\uc77c\ub300\uc77c\ub85c' \uc9c0\uc5ed \ud1b5\ud654 \uacb0\uc81c \ud611\uc815\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc77c\ubd80 \uc678\ud658 \ud1b5\uc81c\ub97c \uc6b0\ud68c\ud558\ub294 \ud589\uc704.<\/li>\n<\/ul>\n
                                    \n

                                    IV. \ud5a5\ud6c4 \uc804\ub9dd<\/h3>\n

                                    2025\ub144\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \ubc29\uae00\ub77c\ub370\uc2dc \uc804\uc790\uac70\ub798\ubc95 \uac1c\uc815\uc548(\ucd08\uc548)\uc5d0 CBDC \uc870\ud56d\uc774 \ud3ec\ud568\ub420 \uc608\uc815\uc785\ub2c8\ub2e4:
                                    \n\u25b6\ufe0f \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0(BDT-CBDC)\ub294 SWIFT\ub97c \uc6b0\ud68c\ud558\ub294 \uc0c8\ub85c\uc6b4 \uac8c\uc774\ud2b8\uc6e8\uc774\uac00 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
                                    \n\u25b6\ufe0f IMF \ud2b9\ubcc4\uc778\ucd9c\uad8c(SDR) \ubc14\uc2a4\ucf13 \ud1b5\ud654 \ud611\uc0c1, \uc810\uc9c4\uc801 \uc790\ubcf8 \uacc4\uc88c \uac1c\uc124\uc744 \ucd09\uc9c4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"

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