{"id":3275,"date":"2025-06-12T07:57:52","date_gmt":"2025-06-11T23:57:52","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3275"},"modified":"2025-06-12T07:57:52","modified_gmt":"2025-06-11T23:57:52","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e6%94%bf%e7%ad%96%e4%b8%8e%e7%9b%91%e7%ae%a1%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e6%94%bf%e7%ad%96%e4%b8%8e%e7%9b%91%e7%ae%a1%e5%88%86%e6%9e%90\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc815\ucc45 \ubc0f \uaddc\uc81c \ubd84\uc11d"},"content":{"rendered":"<h1>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc815\ucc45 \ubc0f \uaddc\uc81c \ubd84\uc11d: \ud604\ud669 \ubc0f \ud5a5\ud6c4 \ub3d9\ud5a5<\/h1>\n<h2>I. \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544 \ucd5c\ub300 \uacbd\uc81c \ub300\uad6d\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\ub294 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc774 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub3c4\ub124\uc2dc\uc544 \uc911\uc559\uc740\ud589\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\uc740\ud589\uc758 \ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74, \uc804\uc790\ud654\ud3d0 \uac70\ub798 \uaddc\ubaa8\ub294 2022\ub144 399\uc870 3\ucc9c\uc5b5 \ub8e8\ud53c\uc544(\uc57d 270\uc5b5 \ub2ec\ub7ec)\ub85c \uc804\ub144 \ub300\ube44 36.51% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ube60\ub978 \uc131\uc7a5\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 \uc99d\uac00(701% \uc774\uc0c1), \uc778\ud130\ub137 \uc0ac\uc6a9\uc790 \uc218 \uae09\uc99d(2\uc5b5 \uba85 \uc774\uc0c1), \uc815\ubd80\uc758 \ud604\uae08 \uc5c6\ub294 \uc0ac\ud68c \ucd94\uc9c4\uc5d0 \ub530\ub978 \uac83\uc73c\ub85c \ubd84\uc11d\ub429\ub2c8\ub2e4. \ud604\uae08 \uc5c6\ub294 \uc0ac\ud68c \ucd94\uc9c4\uc744 \uc704\ud55c \uc815\ubd80\uc758 \uc815\ucc45 \ubc29\ud5a5\ub3c4 \uc601\ud5a5\uc744 \ubbf8\ucce4\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \uc8fc\ub85c \uc740\ud589 \uc1a1\uae08, \uc804\uc790\uc9c0\uac11, \uc2e0\uc6a9\/\uc9c1\ubd88\uce74\ub4dc, \ud3b8\uc758\uc810 \ud604\uae08 \ucda9\uc804 \ub4f1\uc758 \ucc44\ub110\ub85c \uad6c\uc131\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc911 \ud604\uc9c0 \uc804\uc790\uc9c0\uac11 \uc81c\uacf5\uc5c5\uccb4\ub85c\ub294 GoPay, OVO, DANA, LinkAja\uac00 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc73c\uba70, ShopeePay, GrabPay\uc640 \uac19\uc740 \ub85c\uceec \uc5c5\uccb4\ub3c4 \uacf5\uaca9\uc801\uc73c\ub85c \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>II. \ud575\uc2ec \uaddc\uc81c \uae30\uad00 \ubc0f \ubc95\uc801 \ud504\ub808\uc784\uc6cc\ud06c<\/h2>\n<h3>1. \uc8fc\uc694 \uaddc\uc81c \uae30\uad00<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc911\uc559\uc740\ud589(\uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589)\uc740 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uc8fc\uc694 \uaddc\uc81c \uae30\uad00\uc73c\ub85c, \ub77c\uc774\uc120\uc2a4\ub97c \ubc1c\uae09\ud558\uace0 \uc6b4\uc601\uc744 \uac10\ub3c5\ud569\ub2c8\ub2e4. \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc815\ucc45 \ubd80\uc11c\ub294 \uaddc\uc81c \ubc0f \uc815\ucc45 \ubc29\ud5a5 \uc124\uc815\uc744 \uc804\ubb38\uc73c\ub85c \ud569\ub2c8\ub2e4.<\/p>\n<p>\uae08\uc735\uc11c\ube44\uc2a4\uccad(OJK)\uc740 \uc77c\ubd80 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub97c \ud3ec\ud568\ud55c \ube44\uc740\ud589 \uae08\uc735\uae30\uad00\uc5d0 \ub300\ud55c \uaddc\uc81c\ub97c \ub2f4\ub2f9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub450 \uae30\uad00\uc758 \uae30\ub2a5\uc740 \uc911\ubcf5\ub418\uc9c0\ub9cc \uac01 \uae30\uad00\uc740 \uace0\uc720\ud55c \ucd08\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>2. \uc8fc\uc694 \ubc95\ub960 \ubc0f \uaddc\uc815<\/h3>\n<p>2011\ub144\uc5d0 \uc81c\uc815\ub41c \uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589\ubc95 23\ud638\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc911\uc559\uc740\ud589\uc758 \ubc95\uc801 \uad8c\ud55c\uc744 \ud655\ub9bd\ud558\uace0, 2019\ub144 \ud540\ud14c\ud06c \uaddc\uc815 19\ud638\ub294 \ub514\uc9c0\ud138 \uacb0\uc81c\uc5d0 \ub300\ud55c \uc811\uadfc \uaddc\uce59\uc744 \ub354\uc6b1 \uad6c\uccb4\ud654\ud558\uba70, 2021\ub144\uc5d0 \ub3c4\uc785\ub41c QRIS \uad6d\uac00 \ud45c\uc900\uc740 QR\ucf54\ub4dc \uacb0\uc81c\uc758 \uc0c1\ud638\uc6b4\uc6a9\uc131 \ud45c\uc900\uc744 \uc870\uc728\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788 \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uac83\uc740 2023\ub144 \ucd08\uc5d0 \uc2dc\ud589\ub418\ub294 \uaddc\uc815 22\/23\/PBI\/2020\uc73c\ub85c, \ubaa8\ub4e0 \uc804\uc790\ud654\ud3d0 \ubc1c\ud589\uc790\ub294 \uc911\uc559\uc740\ud589\uc758 \uad6d\uac00\uacb0\uc81c\uc2dc\uc2a4\ud15c(NSS)\uc5d0 \uacc4\uc88c\ub97c \uac1c\uc124\ud558\uace0 \uc720\ud1b5 \uc794\uc561\uc758 \ucd5c\uc18c 30%\ub97c \uc900\ube44\uae08 \ud480\uc5d0 \uc608\uce58\ud574\uc57c \ud558\uba70, \uc774\ub294 \uc5c5\uacc4 \uc9c4\uc785 \uc7a5\ubcbd\uc744 \ud06c\uac8c \ub192\uc774\ub294 \ub3d9\uc2dc\uc5d0 \uc81c\ub3c4\uc801 \uc548\uc804\uc7a5\uce58\ub97c \uac15\ud654\ud558\ub294 \uc694\uac74\uc785\ub2c8\ub2e4.<\/p>\n<h2>\uae30\uc874 \uc8fc\uc694 \uc815\ucc45 \uc218\ub2e8 \ubd84\uc11d<\/h2>\n<h3>1. QRIS \ud45c\uc900\ud654 \uc804\ub7b5<\/h3>\n<p>QRIS(\ube60\ub978 \uc751\ub2f5 \ucf54\ub4dc \uc778\ub3c4\ub124\uc2dc\uc544 \ud45c\uc900)\ub294 \uc911\uc559\uc740\ud589\uc774 \ucd94\uc9c4\ud558\ub294 \uad6d\uac00 \ud45c\uc900 QR\ucf54\ub4dc \uc2dc\uc2a4\ud15c\uc73c\ub85c, \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc \uac04\uc758 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4. 2023\ub144 \ub9d0\uae4c\uc9c0 3\ucc9c\ub9cc \uac1c \uc774\uc0c1\uc758 \uac00\ub9f9\uc810\uc774 \uc774 '\uc6d0 \ucf54\ub4dc, \uc6d0 \uc720\ub2c8\ubc84\uc124' \uc194\ub8e8\uc158\uc744 \ucc44\ud0dd\ud588\uc73c\uba70, \uc774\ub294 \uc804\ub144 \ub300\ube44 1,50%\uac00 \uc99d\uac00\ud55c \uc218\uce58\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uc815\ucc45\uc758 \uc9c1\uc811\uc801\uc778 \ud6a8\uacfc\ub294 \uc5ec\ub7ec \ub300\uc758 \uc2a4\uce94 \uc7a5\uce58 \uc5c6\uc774\ub3c4 \uc18c\uc561 \ubc0f \uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uac00 \ub514\uc9c0\ud138 \uacb0\uc81c\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub4dc\uc6e8\uc5b4 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uc5ec \uac04\uc811\uc801\uc73c\ub85c \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uae08\uc735 \ud3ec\uc6a9\uc744 \ucd09\uc9c4\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ube44\uc790\ubc14 \uc9c0\uc5ed\uc758 QRIS \uac70\ub798 \ube44\uc911\uc740 2019\ub144 181\uc870 3\ucc9c\uc5b5 \uc6d0\uc5d0\uc11c 2023\ub144 341\uc870 3\ucc9c\uc5b5 \uc6d0\uc73c\ub85c \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<h3>2. '\uacc4\uce35\ud615' \ub77c\uc774\uc120\uc2a4 \uad00\ub9ac \uc2dc\uc2a4\ud15c<\/h3>\n<p>\uacb0\uc81c \uae30\uad00\uc740 \uc0ac\uc5c5 \ubc94\uc704\uc640 \uc704\ud5d8 \uc218\uc900\uc5d0 \ub530\ub77c \uc138 \uac00\uc9c0 \ubc94\uc8fc\ub85c \ubd84\ub958\ub429\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uccab \ubc88\uc9f8 \uc720\ud615<\/strong>\uacb0\uc81c \uc9d1\uacc4 \uc11c\ube44\uc2a4\ub9cc \ud574\ub2f9<\/li>\n<li><strong>\uce74\ud14c\uace0\ub9ac 2<\/strong>\uace0\uac1d \uc790\uae08\uc744 \ubcf4\uc720\ud558\uc9c0 \uc54a\uace0 \uc120\ubd88 \uc0c1\ud488\uc744 \ubc1c\ud589\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uce74\ud14c\uace0\ub9ac 3<\/strong>\uc644\uc804\ud55c \uae30\ub2a5\uc744 \uac16\ucd98 \uc804\uc790 \ud654\ud3d0 \ubc1c\ud589\uc0ac\ub294 \ucd5c\uc18c 1,000\uc5b5 \ub8e8\ud53c\uc544\uc758 \uc790\ubcf8\uae08 \uc694\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud558\uba70, \ud604\uc7ac \uc774 \uc790\uaca9\uc744 \uac16\ucd98 \ud68c\uc0ac\ub294 15\uac1c\uc5d0 \ubd88\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc774\ub7ec\ud55c \ucc28\ubcc4\ud654\ub41c \uaddc\uc81c\ub294 \ud601\uc2e0 \uae30\uc5c5\uc774 \uc131\uc7a5\ud560 \uc218 \uc788\ub294 \uc5ec\uc9c0\ub97c \uc720\uc9c0\ud558\uba74\uc11c \uc2dc\uc2a4\ud15c \ub9ac\uc2a4\ud06c\ub97c \ud1b5\uc81c\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 B2B \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc911\uc810\uc744 \ub454 \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \ud55c \uac00\uc9c0 \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub9cc \uc2e0\uccad\ud558\uc5ec \ube60\ub974\uac8c \uc0ac\uc5c5\uc744 \uc2dc\uc791\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>3. '\uad6d\uac00 \uc6b0\uc120' \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d<\/h3>\n<p>2019\ub144 \uaddc\uc815 \uc81c19\ud638\uc5d0 \ub530\ub974\uba74 \ubaa8\ub4e0 \uad6d\ub0b4 \uac70\ub798 \ub370\uc774\ud130\ub294 \ud604\uc9c0 \uc11c\ubc84\uc5d0 \uc800\uc7a5\ud574\uc57c \ud558\uba70, \uad6d\uacbd\uc744 \ub118\ub294 \ub370\uc774\ud130 \uc804\uc1a1\uc740 \uc5c4\uaca9\ud55c \uc2b9\uc778\uc744 \ubc1b\uc544\uc57c \ud558\ubbc0\ub85c \uad6d\uc81c \uae30\uc5c5\uc758 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc740 \uc99d\uac00\ud558\uc9c0\ub9cc \ubbfc\uac10\ud55c \uae08\uc735 \uc815\ubcf4\uc758 \uc720\ucd9c\uc744 \ud6a8\uacfc\uc801\uc73c\ub85c \ubc29\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub300\ud45c\uc801\uc778 \uc0ac\ub840\ub85c\ub294 \uc77c\ubd80 \uacb0\uc81c \uae30\ub2a5\uc758 \ud604\uc9c0 \ub370\uc774\ud130 \uc13c\ud130\ub97c \uc81c\ub54c \uad6c\ucd95\ud558\uc9c0 \ubabb\ud574 3\uac1c\uc6d4 \ub3d9\uc548 \uc601\uc5c5\uc815\uc9c0\ub97c \ub2f9\ud55c \uad6d\uc81c \uc804\uc790 \uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>IV. \uc678\uad6d\uc778 \ucd9c\uc785 \uc81c\ud55c \ubc0f \uc601\ud5a5 \ud3c9\uac00<\/p>\n<p>\ud604\ud589 \uaddc\uc815\uc5d0 \ub530\ub974\uba74 \uc678\uad6d\uc778 \uc18c\uc720 \uc9c0\ubd84\uc740 49%(\uc678\uad6d\uc778 \ud22c\uc790\uc790 \ud55c \uba85\uc774 20%\ub97c \ucd08\uacfc\ud560 \uc218 \uc5c6\uc74c)\ub85c \uc81c\ud55c\ub418\uc5b4 \uc788\uc5b4 \ub9ce\uc740 \uae00\ub85c\ubc8c \uae30\uc5c5\uc774 \ud569\uc791 \ud22c\uc790 \ubaa8\ub378\uc744 \uc120\ud0dd\ud574 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 Ant Group\uc740 \ud604\uc9c0 \uc0dd\ud0dc\uacc4 \uad6c\ucd95\uc744 \uc704\ud574 \uc644\uc804 \uc18c\uc720 \uc790\ud68c\uc0ac\ub97c \uc778\uc218\ud558\ub294 \ub300\uc2e0 DANA\uc758 \uc9c0\ubd84\uc744 \ucde8\ub4dd\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc678\uad6d\uc778 \ud22c\uc790\uc790\uac00 \uae30\uc220 \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc \uc6b4\uc601\uc5d0 \uc9c1\uc811 \ucc38\uc5ec\ud558\uc9c0 \uc54a\ub294 \ub3c5\ud2b9\ud55c \"\uae30\uc220 \ub77c\uc774\uc120\uc2a4 + \ube0c\ub79c\ub529\" \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc744 \ud0c4\uc0dd\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \ub2f9\uad6d\uc774 \ubc14\ud0d0\uc774\ub098 \ube48\ud0c4\uc744 \uc2dc\uc791\uc73c\ub85c \ud2b9\uc815 \uc790\uc720\ubb34\uc5ed\uc2dc\ud5d8\uc9c0\uad6c(PFTZ)\uc5d0\uc11c \uc2dc\ubc94\uc801\uc73c\ub85c \uc774 \ube44\uc728\uc744 \uc644\ud654\ud558\ub294 \ubc29\uc548\uc744 \uac80\ud1a0\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc5d0 \uc8fc\ubaa9\ud560 \ud544\uc694\uac00 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uac83\uc774 \uc2e4\ud604\ub41c\ub2e4\uba74 \ud2b9\ud788 \ub3c5\uc790\uc801\uc73c\ub85c \uc0ac\uc5c5\uc744 \uac1c\ubc1c\ud558\uace0\uc790 \ud558\ub294 \uc678\uad6d \ub300\uae30\uc5c5\ub4e4\uc5d0\uac8c \uc2dc\uc7a5\uc758 \uacbd\uc7c1 \uad6c\ub3c4\uac00 \ud06c\uac8c \ubcc0\ud654\ud560 \uac83\uc774\uba70, \uad00\ub828 \uc815\ucc45 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\uad50\uc0ac \ud559\uc0dd \uc0dd\ud65c \uae30\uc220 \uc5d0\ub108\uc9c0 \uc808\uc57d \uc778\ub0b4 \uadfc\ub825 \uadfc\ub825 \uc791\uc5c5 \uc6c0\uc9c1\uc774\ub294 \uadfc\uc721\uacfc \ubf08 \uc8fc\uc0ac\uc704 \uac8c\uc784 \uadf9\uc801\uc778 \ubcc0\ud654 \ud654\ud559 \uc6d0\uc18c \ud488\uc9c8 \uad50\uc721 \uc721\uc544 \uc740\ud61c \uc6d0\ud55c \ubd84\uba85\ud788 \uc54c\uace0\uc788\ub294 \ubc94\uc8c4 \uc6a9\uc758\uc790 \uc0ac\uc6a9\ub418\uc9c0 \uc54a\ub294 \uc6a9\uc758\uc790 \uc758\uc2ec\ub418\ub294 \uc6a9\uc758\uc790 \uc758\uc2ec\ub418\ub294 \uc0ac\uac74 \uc77c\uc0c1\uc801\uc778 \ud655\uc778 \ud655\uc778 \ubc0f \uac04\uaca9 \uba54\uc6b0\uae30\ub294 \ub9e4\uc6b0 \ud06c\uace0 \uc791\uc740 \uc791\uc740 \uc870\uc2ec \ub0a0\uac1c \ub0a0\uac1c \ub87c \ub8e8\uc548 \ubd09\uacfc \uc9d5\uc744 \uc9c0\uc800\uadc0\uba70 \uc790\uc2e0\uc788\uac8c \uae38\uc744 \uc5f4\uae30 \uc704\ud574 \uc9d5\uc744 \uc9c0\uc800\uadc0\ub2e4. \uc815\ubcf4 \ub124\ud2b8\uc6cc\ud06c\ub294 \ucd5c\uace0\uc758 \uc0ac\ub78c\ub4e4\uc758 \ub05d\uc5c6\ub294 \ud750\ub984\uc785\ub2c8\ub2e4 \ud558\uc778 \ud558\uc778 \ud558\uc778 \uc9c0\ub3c4\uc790\ub4e4\uc740 \uac74\ubb3c \ucda9\ub3cc \uac74\ubb3c \uc6b0\uc8fc\uc120 \ubc30\uc1a1 \ud1b5\ud654 \uc815\ucc45 \uc798 \uacc4\ud68d\ub41c \ubc00\ubd09 \ucc98\ub9ac \uc774\ub860\uc801 \uc7a5\uc810 \ud558\ub2e8 \uce74\ub4dc \ubc1d\uac8c \ud45c\uc2dc\ub41c \uac00\uaca9 \uacf5\uc815\ud55c \ub3c4\ub85c \ub208\uc5d0 \uba4d\uccad\ud55c \uacc4\uc18d\ub418\ub294 \uac83\uc744 \uc9c0\ucf1c\ubcf4\uc2ed\uc2dc\uc624 ...<\/p>\n<h2>V. \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uaddc\uc81c\uc758 \ucd5c\uadfc \ubc1c\uc804 \ubc0f \ub3d9\ud5a5<\/h2>\n<h3>1. \uc8fc\uc694 \uc815\ucc45 \uc5c5\ub370\uc774\ud2b8 2023-2024<\/h3>\n<p><strong>\ub514\uc9c0\ud138 \ubc45\ud0b9 \ub77c\uc774\uc120\uc2a4 \ubc1c\uae09<\/strong>\ucd5c\uadfc \uc8fc\ubaa9\ubc1b\uace0 \uc788\ub294 \uc778\ub3c4\ub124\uc2dc\uc544 \uc911\uc559\uc740\ud589\uc740 2023\ub144 \ud558\ubc18\uae30\uc5d0 \ucc98\uc74c\uc73c\ub85c \uc644\uc804\ud55c \ub514\uc9c0\ud138 \ubc45\ud0b9 \ub77c\uc774\uc120\uc2a4\ub97c \uc528\ubc45\ud06c(Shopee \uc18c\uc720)\uc640 \uc790\uace0 \uc740\ud589\uc744 \ud3ec\ud568\ud55c 5\uac1c \uae30\uad00\uc5d0 \ubc1c\uae09\ud588\uc2b5\ub2c8\ub2e4. \ub77c\uc774\uc120\uc2a4\ub97c \ubc1b\uc740 \uae30\uad00\uc740 \uc644\uc804\ud55c \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc9c0\ub9cc \uc77c\uc815 \uc870\uac74\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\ucd5c\uc18c \uc790\ubcf8\uae08 2\uc870 \ub8e8\ud53c\uc544(\uc57d 1\uc5b5 3,500\ub9cc \ub2ec\ub7ec)<\/li>\n<li>\ud604\uc9c0 \ud22c\uc790\uc790\uac00 \ubcf4\uc720\ud55c 51% \uc9c0\ubd84<\/li>\n<li>\ub3c5\ub9bd\ud615 \ub370\uc774\ud130 \uc13c\ud130 \ubc0f \uc7ac\ud574 \ubcf5\uad6c \uc2dc\uc2a4\ud15c \uad6c\ucd95<\/li>\n<\/ul>\n<p><strong>\uad6d\uacbd \uac04 \uacb0\uc81c \uc81c\ud55c \uc644\ud654<\/strong>\uc870\uce58\ub97c \ucde8\ud574\uc57c \ud569\ub2c8\ub2e4:<br \/>\n- 2024\ub144 1\uc6d4\ubd80\ud130 \uadf8\ub7a9\ud398\uc774\uc640 \uac19\uc740 \uc9c0\uc5ed \uc9c0\uac11\uc758 \uad6d\uacbd \uac04 \uac70\ub798 \ud55c\ub3c4\ub97c \uac70\ub798\ub2f9 500\ub9cc \ub8e8\ud53c\uc544\ub85c \uc778\uc0c1\ud569\ub2c8\ub2e4(\uae30\uc874 200\ub9cc \ub8e8\ud53c\uc544).<br \/>\n- \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d, \uc2f1\uac00\ud3ec\ub974\uc5d0\uc11c QR \ucf54\ub4dc \uc2a4\uce94\uc744 \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n- \uc704\uc548\ud654-IDR \uc9c1\uc811 \uacb0\uc81c \ucc44\ub110 \uc2dc\ubc94 \uc6b4\uc601<\/p>\n<h3>2. '\uc9c0\uae08 \uad6c\ub9e4, \ub098\uc911\uc5d0 \uacb0\uc81c'(BNPL) \uaddc\uc815 \uac15\ud654<\/h3>\n<p>2024\ub144\uae4c\uc9c0 47\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uae09\uc131\uc7a5\ud558\ub294 \ud560\ubd80 \uc2dc\uc7a5\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 OJK\ub294 \uaddc\uc815 \uc81c12\/SEOJK.05\/2023\ud638\uc758 \uc694\uac74\uc744 \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code>\uc6d4 \uc774\uc790\uc728 \uc0c1\ud55c\uc774 2.5%\uc5d0\uc11c 1.8%\ub85c \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<br>\r\n\uc548\uc815\uc801\uc778 \uc218\uc785\uc774 \uc5c6\ub294 \ud559\uc0dd\uc5d0\uac8c \ub300\ucd9c \uae08\uc9c0<br>\r\n\uad6d\uac00 \uc2e0\uc6a9 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \ud544\uc218 \uc561\uc138\uc2a4<br>\r\n<\/code><\/pre>\n<p>\uc774\ub85c \uc778\ud574 Atome\uc774\ub098 Kredivo\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc81c\ud488 \uad6c\uc131\uc744 \uc870\uc815\ud574\uc57c \ud588\uace0, \uc77c\ubd80 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790\ub294 \uc2dc\uc7a5\uc5d0\uc11c \ud1f4\ucd9c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>VI. \uaddc\uc815 \uc900\uc218 \uacfc\uc81c \ubc0f \uc2e4\ubb34\uc801 \uc81c\uc548<\/p>\n<h3>1. KYC \uac15\ud654\ub85c \uc778\ud55c \uc6b4\uc601 \ube44\uc6a9 \uc99d\uac00<\/h3>\n<p>\uc0c8\ub85c\uc6b4 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uaddc\uc815\uc5d0 \ub530\ub77c \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790 \uacc4\uce35 \uc720\ud6a8\uc131 \uac80\uc0ac \uae30\uc900\uc774 \uac15\ud654\ub418\uc5c8\uc2b5\ub2c8\ub2e4:<br \/>\n|\uc0ac\uc6a9\uc790 \ub808\ubca8|\uc5f0\uac04 \uac70\ub798 \ud55c\ub3c4|\uc778\uc99d \uc694\uad6c \uc0ac\ud56d|<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|\uae30\ubcf8 \ub808\ubca8|20\ub9cc \ub8e8\ud53c\uc544|\ud734\ub300\ud3f0 \ubc88\ud638 + ID|<br \/>\n|\uc911\uae09 |5\ucc9c\ub9cc \uae38\ub354 |\uc5bc\uad74 \uc778\uc2dd + \uc8fc\uc18c \uc99d\uba85|<br \/>\n|\uace0\uae09 |\ubb34\uc81c\ud55c |\ud654\uc0c1 \uc778\ud130\ubdf0 + \uc138\uae08 ID|<\/p>\n<p>\uae30\uc5c5\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ub300\uc751 \uc804\ub7b5\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4:<br \/>\n\uc218\uc791\uc5c5 \uac80\ud1a0 \ube44\uc6a9 \uc808\uac10\uc744 \uc704\ud55c AI \uc2e0\uc6d0 \ud655\uc778 \uae30\uc220 \ud22c\uc790<br \/>\n\uc6b0\uc815\uc0ac\uc5c5\ubcf8\ubd80\uc640 \ud611\uc5c5\ud558\uc5ec \ub18d\ucd0c \uc9c0\uc5ed \uc0ac\uc6a9\uc790 \uc8fc\uc18c \ud604\uc7a5 \ud655\uc778<br \/>\n\uc0ac\uc6a9\uc790\uac00 \ub2a5\ub3d9\uc801\uc73c\ub85c \uacc4\uc815\uc744 \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\ub294 \uc0ac\ub2e4\ub9ac\ud615 \ud61c\ud0dd \uc124\uacc4<\/p>\n<p>2. \ub370\uc774\ud130 \uc8fc\uad8c \uad00\ub828 \ubc95\ub960 \uc774\ud589\uc758 \uc5b4\ub824\uc6c0<\/p>\n<p>\uac1c\uc778\uc815\ubcf4\ubcf4\ud638\ubc95(PDPA) \uc2dc\ud589 \uc774\ud6c4 \ubc1c\uc0dd\ud55c \ub300\ud45c\uc801\uc778 \ubb38\uc81c\ub294 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<br \/>\n\u26a0\ufe0f \ub2e4\uad6d\uc801 \uae30\uc5c5\uc740 \ud074\ub77c\uc6b0\ub4dc \uc544\ud0a4\ud14d\ucc98\ub97c \uc7ac\uad6c\uc131\ud574\uc57c \ud558\uace0, AWS\/GCP \ub85c\uceec \ub178\ub4dc\ub294 \ub9ac\uc18c\uc2a4\uac00 \ubd80\uc871\ud569\ub2c8\ub2e4.<br \/>\n\u26a0\ufe0f \uc0dd\uccb4 \uc778\uc2dd \ub370\uc774\ud130 \uc800\uc7a5\uc5d0\ub294 BSI \uc778\uc99d \ubcf4\uc548 \uc11c\ubc84\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<br \/>\n\u26a0\ufe0f, \uad6d\uacbd \uac04 \uac10\uc0ac\ub97c \uc704\ud55c \ub370\uc774\ud130 \uc804\uc1a1 \uc2b9\uc778 \uc9c0\uc5f0 \ubb38\uc81c \uc9c1\uba74<\/p>\n<p>\ud5e4\ub4dc\ub77c\uc778 \uae30\uc5c5\uc744 \uc704\ud55c \uc194\ub8e8\uc158 \ucc38\uc870:<br \/>\n\uace0\ud22c \uadf8\ub8f9, \uc790\uccb4 \ud2f0\uc5b4 4 \ub370\uc774\ud130 \uc13c\ud130 \uad6c\ucd95<br \/>\n\ub370\uc774\ud130 \uc81c\uc678 \ubaa8\ub378\ub9c1\uc744 \uc704\ud574 \uc5f0\ud569 \ud559\uc2b5\uc744 \uc0ac\uc6a9\ud558\ub294 DANA<br \/>\n\ubc14\ud0d0\uc5d0 \uc804\uc6a9 \uc624\ud504\uc1fc\uc5b4 \ubc31\uc5c5 \ud074\ub7ec\uc2a4\ud130\ub97c \uad6c\ucd95\ud55c OVO<\/p>\n<p>VII. \ud5a5\ud6c4 3\ub144\uac04\uc758 \uc815\ucc45 \ubc14\ub78c \uc608\uce21<\/p>\n<p>\uc785\ubc95 \uc758\uc81c \ubd84\uc11d\uacfc \uad00\uacc4\uc790\ub4e4\uc758 \uacf5\uac1c \ubc1c\uc5b8\uc744 \ubc14\ud0d5\uc73c\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \ubcc0\uacbd\uc774 \uac00\ub2a5\ud569\ub2c8\ub2e4:<\/p>\n<p>\u25b7 <strong>\ub514\uc9c0\ud138 \ud654\ud3d0 \uc2dc\ubc94 \uc6b4\uc601 \ud655\ub300<\/strong>2023\ub144 \ubc1c\ub9ac\uc5d0\uc11c \ub514\uc9c0\ud138 \ub8e8\ud53c \ud14c\uc2a4\ud2b8 \uc774\ud6c4, \ub354 \ub9ce\uc740 \uad00\uad11 \ub3c4\uc2dc\uc5d0 \ub514\uc9c0\ud138 \ub8e8\ud53c\ub97c \ub3c4\uc785\ud558\uace0 \uc804\uc790\uc9c0\uac11\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uac8c \ub420 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\u25b7 <strong>\uc678\uad6d\uc778 \uc9c0\ubd84\uc728 \uc870\uc815<\/strong>\ub514\uc9c0\ud138 \uacbd\uc81c \ud2b9\ubcc4 \uac1c\ubc1c \uad6c\uc5ed\uc740 \uae30\uc220\uc774\uc804 \ubc0f \ud604\uc9c0 \ucc44\uc6a9\uc5d0 \ub300\ud55c \uc57d\uc18d\uc5d0 \ub530\ub77c \ucd5c\ub300 67%\uae4c\uc9c0 \uc678\uad6d\uc778 \uc18c\uc720\ub97c \ud5c8\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u25b7 <strong>\ud0c4\uc18c\ubc30\ucd9c\uad8c \uacb0\uc81c \ud601\uc2e0<\/strong>\uc911\uc559\uc740\ud589\uc740 \uce5c\ud658\uacbd \uc18c\ube44 \ud589\ub3d9(\uc608: \uc804\uc790 \uccad\uad6c\uc11c \uacb0\uc81c)\uc744 \uac70\ub798 \uac00\ub2a5\ud55c \ud0c4\uc18c\ubc30\ucd9c\uad8c\uc73c\ub85c \uc804\ud658\ud558\ub294 \ubc29\uc548\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc5c5\uacc4 \ucc38\uc5ec\uc790\ub294 \uc138 \uac00\uc9c0 \uc2e0\ud638 \uc9c0\ud45c\uc5d0 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4:<br \/>\n\uad6d\ud68c\uc5d0\uc11c \uac80\ud1a0 \uc911\uc778 \ub514\uc9c0\ud138 \uacbd\uc81c \ubc95\uc548 \uc9c4\ud589 \uc0c1\ud669<br \/>\n2024\ub144 \ub300\uc120 \uc774\ud6c4 \uc0c8 \uc815\ubd80\uc758 \ud540\ud14c\ud06c \uc815\ucc45 \uc120\ud638\ub3c4 \u2461 2024\ub144 \ub300\uc120 \uc774\ud6c4 \uc0c8 \uc815\ubd80\uc758 \ud540\ud14c\ud06c \uc815\ucc45 \uc120\ud638\ub3c4<br \/>\n(iii) \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uae08\uc735 \uc548\uc815\uc131\uc5d0 \ub300\ud55c \uad6d\uc81c\ud1b5\ud654\uae30\uae08\uc758 \ud3c9\uac00 \uacb0\uacfc<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uc815\ucc45 \ubc0f \uaddc\uc81c \ubd84\uc11d: \ud604\ud669 \ubc0f \ud5a5\ud6c4 \ub3d9\ud5a5 I. \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694...<\/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-3275","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\/ 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