{"id":3308,"date":"2025-06-12T08:31:05","date_gmt":"2025-06-12T00:31:05","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3308"},"modified":"2025-06-12T08:31:05","modified_gmt":"2025-06-12T00:31:05","slug":"%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e4%b9%a0%e6%83%af%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e6%b6%88%e8%b4%b9%e8%b6%8b%e5%8a%bf%e4%b8%8e%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/12\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e4%b9%a0%e6%83%af%e5%85%a8%e8%a7%a3%e6%9e%90%ef%bc%9a%e6%b6%88%e8%b4%b9%e8%b6%8b%e5%8a%bf%e4%b8%8e%e8%a1%8c%e4%b8%ba%e5%88%86%e6%9e%90\/","title":{"rendered":"\uc911\ub3d9 \uc9c0\uc5ed\uc758 \uacb0\uc81c \uc2b5\uad00: \uc18c\ube44\uc790 \ud2b8\ub80c\ub4dc \ubc0f \ud589\ub3d9 \ubd84\uc11d"},"content":{"rendered":"<p>\uc911\ub3d9\uc758 \uacb0\uc81c \uc2b5\uad00\uacfc \uc18c\ube44\uc790 \ud589\ub3d9\uc740 \uc885\uad50 \ubb38\ud654, \uacbd\uc81c \uad6c\uc870, \uae30\uc220 \ubc1c\uc804\uc758 \uc601\ud5a5\uc744 \ubc1b\uc544 \ub3c5\ud2b9\ud55c \ub2e4\uc591\uc131\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc774 \uc9c0\uc5ed\uc758 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub97c 6\uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc2ec\uce35\uc801\uc73c\ub85c \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<p>I. \uc885\uad50 \ubb38\ud654\uc5d0 \ub530\ub978 \uacb0\uc81c \ud2b9\uc131<\/p>\n<ol>\n<li>\uc774\uc2ac\ub78c \uae08\uc735 \uaddc\uc815 \uc900\uc218:<\/li>\n<\/ol>\n<ul>\n<li>'\ub9ac\ubc14'(\uc774\uc790) \uac70\ub798\ub97c \uc5c4\uaca9\ud788 \uae08\uc9c0\ud558\uc5ec \uc0e4\ub9ac\uc544\ub97c \uc900\uc218\ud558\ub294 \uae08\uc735 \uc0c1\ud488\uc774 \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ubb34\ub77c\ubc14\ud558(\uc6d0\uac00 \ud50c\ub7ec\uc2a4 \uae08\uc735)\uc640 \uc218\ucfe0\ud06c(\uc774\uc2ac\ub78c \ucc44\uad8c)\uac00 \uc9c0\ubc30\uc801\uc778 \uc2dc\uc7a5 \ud658\uacbd<\/li>\n<li>\uc774\uc2ac\ub78c \uae08\uc735 \uc790\uc0b0\uc740 2022\ub144\uae4c\uc9c0 4\uc870 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\uba70, \ub9e4\ub144 141%\uc529 \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc804\ud1b5\uc5d0 \uc758\uc874\ud558\ub294 \ud604\uae08:<\/li>\n<\/ol>\n<ul>\n<li>\uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc758 \ud604\uae08 \uac70\ub798 \ube44\uc911\uc740 52%(2023\ub144 \uc911\uc559\uc740\ud589 \ub370\uc774\ud130)\uc5d0 \uba38\ubb3c\ub7ec \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\uc804 \uc138\uacc4 \ud3c9\uade0\ubcf4\ub2e4 3\ubc30 \ub192\uc740 UAE \uc218\ud45c \uc0ac\uc6a9\ub7c9<\/li>\n<li>'\ud558\uc648\ub77c' \ube44\uacf5\uc2dd \uc1a1\uae08 \uc2dc\uc2a4\ud15c\uc73c\ub85c \uc5f0\uac04 300\uc5b5 \ub2ec\ub7ec \uc774\uc0c1 \uc720\uc785\ub428<\/li>\n<\/ul>\n<p>II. \ub514\uc9c0\ud138 \uacb0\uc81c\uc758 \ud3ed\ubc1c\uc801 \uc131\uc7a5<\/p>\n<ol>\n<li>\n<p>\uc804\uc790\uc9c0\uac11 \ubcf4\uae09\ub960\uc758 \ubcc0\ud654:<br \/>\n|\uad6d\uac00 |2020\ub144 \ubcf4\uae09\ub960 |2023\ub144 \ubcf4\uae09\ub960 |\ub300\ud45c \uc81c\ud488|<br \/>\n|&#8212;|&#8212;|&#8212;|&#8212;|<br \/>\n|UAE|28% |61% |Careem Pay|<br \/>\n|\uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544 |19% |54% |STC Pay|<br \/>\n|\uc774\uc9d1\ud2b8 |6% |33% |Fawry|<\/p>\n<\/li>\n<li>\n<p>BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88) \uc0c1\uc2b9:<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Tabby, \uccab \uc720\ub2c8\ucf58 \uae30\uc5c5 \ud0c4\uc0dd, 3\ub9cc \uac00\ub9f9\uc810 \ud30c\ud2b8\ub108 \ub3cc\ud30c<\/li>\n<li>\ud0c0\ub9c8\ub77c, \uc0ac\uc6b0\ub514 \uc544\ub77c\ube44\uc544\uc5d0\uc11c \uc5f0\uac04 \uc131\uc7a5\ub960 400% \ub2ec\uc131<\/li>\n<\/ul>\n<p>III. \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ud2b9\uc218\uc131<\/p>\n<ol>\n<li>\uc678\uad6d\uc778 \uadfc\ub85c\uc790\uc758 \uc1a1\uae08 \uc218\uc694:<\/li>\n<\/ol>\n<p>IV. \uad6d\uacbd \uac04 \uacb0\uc81c\uc758 \ud2b9\uc218\uc131(\uacc4\uc18d)<\/p>\n<ol>\n<li>\n<p><strong>\uc678\uad6d\uc778 \uadfc\ub85c\uc790\uc758 \uc1a1\uae08 \uc218\uc694<\/strong>::<\/p>\n<ul>\n<li>\uc911\ub3d9 \ud574\uc678 \uac70\uc8fc\uc790 \uc778\uad6c \ube44\uc911 40%(GCC \uad6d\uac00 \ud3c9\uade0) \ub3cc\ud30c, 2023\ub144\uae4c\uc9c0 \uc1a1\uae08 \uaddc\ubaa8 \ud655\ub300 \uc608\uc815<strong>1,200\uc5b5 \ub2ec\ub7ec.<\/strong>(\uc138\uacc4\uc740\ud589 \ub370\uc774\ud130)<\/li>\n<li>\uae30\uc874\uc758 \ubb38\uc81c\uc810: 10%-15%\uc758 \ub192\uc740 \uc740\ud589 \uc218\uc218\ub8cc, 3~5\uc77c\uc758 \ub3c4\ucc29 \uc8fc\uae30<\/li>\n<li>\uc0c8\ub85c\uc6b4 \uc194\ub8e8\uc158:\n<ul>\n<li>UAE\uc640 \uac19\uc740 \ud540\ud14c\ud06c<strong>\uc54c \uc548\uc0ac\ub9ac \uac70\ub798\uc18c<\/strong>\uc694\uae08\uc774 1% \uc774\ud558\ub85c \uc778\ud558\ub41c \uc989\uc2dc \ubc30\uc1a1 \uc11c\ube44\uc2a4 \ucd9c\uc2dc<\/li>\n<li>\ube14\ub85d\uccb4\uc778 \uc571: \ub9ac\ud50c, \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544 \uc911\uc559\uc740\ud589\uacfc \uad6d\uacbd \uac04 \uccad\uc0b0 \uc2dc\ubc94 \uc6b4\uc601<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc804\uc790\uc0c1\uac70\ub798\uac00 \uc8fc\ub3c4\ud558\ub294 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uacb0\uc81c \ud601\uc2e0<\/strong>::<\/p>\n<ul>\n<li>Noon \ubc0f Namshi\uc640 \uac19\uc740 \ud604\uc9c0 \ud50c\ub7ab\ud3fc\uc740 '\ud604\uc9c0\ud654 \uacb0\uc81c'(\uc790\ub3d9 \ud1b5\ud654 \ubcc0\ud658 + \ud574\uc678 \uc218\uc218\ub8cc \uc5c6\uc74c)\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>'\ud604\uae08 \uacb0\uc81c'\uac00 \uc5ec\uc804\ud788 301\uc8703\ucc9c\uc5b5 \uc6d0\uc744 \ucc28\uc9c0\ud558\uc9c0\ub9cc, \ub514\uc9c0\ud138 \uc120\ubd88 \ube44\uc911\uc740 2\ub144 \ub9cc\uc5d0 181\uc8703\ucc9c\uc5b5 \uc6d0\uc5d0\uc11c 451\uc8703\ucc9c\uc5b5 \uc6d0\uc73c\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4(RedSeer \ucee8\uc124\ud305 \ub370\uc774\ud130).<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>V. \uc815\ubd80 \uc815\ucc45 \ubc0f \uc778\ud504\ub77c\uc758 \uc911\uc694\ud55c \uc5ed\ud560<\/h3>\n<ol>\n<li><strong>\uad6d\uac00 \ucc28\uc6d0\uc758 \ub514\uc9c0\ud138\ud654 \ucd94\uc9c4<\/strong>::\n<ul>\n<li><strong>\uc0ac\uc6b0\ub514 \ube44\uc804 2030 \ud504\ub85c\uadf8\ub7a8<\/strong>\ube44\ud604\uae08 \uac70\ub798 \ube44\uc911 \ubaa9\ud45c\ub97c 361\uc8703\ucc9c\uc5b5 \ub2ec\ub7ec(2020\ub144)\uc5d0\uc11c 701\uc8703\ucc9c\uc5b5 \ub2ec\ub7ec(2025\ub144)\ub85c \ud655\ub300\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>UAE \"\uc885\uc774 \uc5c6\ub294 \uc804\ub7b5\"<\/strong>2022\ub144 \ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4 UPI \ucd9c\uc2dc, \ubaa8\ub4e0 \uc740\ud589\uacfc \uc804\uc790\uc9c0\uac11 \uc5f0\uacb0<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \uc2dc\ud5d8\uc7a5<\/strong><br \/>\n\ubc14\ub808\uc778 \uc911\uc559\uc740\ud589\uc740 15\uac1c\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \ub77c\uc774\uc120\uc2a4\ub97c \ubc1c\uae09\ud558\uc5ec \uc554\ud638\ud654\ud3d0 \uacb0\uc81c\ub97c \ud14c\uc2a4\ud2b8\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<h3>VI. \uc778\uad6c \ud589\ub3d9 \ucc28\uc774\uc758 \uc138\ubd84\ud654<\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\uadf8\ub8f9 \uc815\uccb4\uc131<\/strong><\/th>\n<th>\uacb0\uc81c \uae30\ubcf8 \uc124\uc815<\/th>\n<th>\uc77c\ubc18\uc801\uc778 \uacbd\uc6b0<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Z \uc138\ub300(\uc778\uad6c 35%)<\/td>\n<td>BNPL \uc0ac\uc6a9\ub960 62%<\/td>\n<td>\uc804\uc790\uc81c\ud488\uc744 \ud560\ubd80\ub85c \uad6c\ub9e4\ud558\ub294 Tabby<\/td>\n<\/tr>\n<tr>\n<td>\uace0\uc561 \uc790\uc0b0\uac00(HNWI)<\/td>\n<td>\uae08\uc18d \uc2e0\uc6a9\uce74\ub4dc\/\uac00\uc0c1 \uce74\ub4dc<\/td>\n<td>\uc5d0\ubbf8\ub808\uc774\ud2b8 NBD\uc758 \"\ub450\ubc14\uc774 \ubb34\uc81c\ud55c \uce74\ub4dc\"<\/td>\n<\/tr>\n<tr>\n<td>\ube14\ub8e8\uce7c\ub77c \uc678\uad6d\uc778 \uadfc\ub85c\uc790<\/td>\n<td>\uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc6d0 \ud3ec\uc778\ud2b8 \ud604\uae08 \ucda9\uc804       \u00a0<\/td>\n<td>\ud30c\ud0a4\uc2a4\ud0c4 \uadfc\ub85c\uc790\uac00 \ud658\uc804\uc18c\ub97c \ud1b5\ud574 \uc9d1\uc73c\ub85c \uc1a1\uae08\ud558\uae30<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3>[\ubbf8\ub798 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uc870\uae30 \uacbd\uace0]<\/h3>\n<ol>\n<li><strong>\uc0dd\uccb4 \uc778\uc2dd \uacb0\uc81c\uc758 \ud3ed\ubc1c\uc801\uc778 \uc99d\uac00<\/strong>:<br \/>\n\uc544\ubd80\ub2e4\ube44 \uc774\uc2ac\ub78c \uc740\ud589\uc740 \uc624\ub958\uc728\uc774 0.011%\uc5d0 \ubd88\uacfc\ud55c '\uc815\ub9e5 \uc778\uc2dd' ATM \uc778\ucd9c\uc744 \uc2dc\ubc94\uc801\uc73c\ub85c \ub3c4\uc785\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em><strong>\uc288\ud37c \uc571 \uc560\uadf8\ub9ac\uac8c\uc774\ud130<\/strong><\/em>:<br \/>\n\uc720\ud2f8\ub9ac\ud2f0, \ubc84\uc2a4 \uce74\ub4dc, \uc628\ub77c\uc778 \uc1fc\ud551\uc744 \ub2e8\uc77c \ud3ec\ud138\uc5d0 \ud1b5\ud569\ud55c \ucfe0\uc6e8\uc774\ud2b8\uc758 QPay<br \/>\n3.<em><strong>\uc554\ud638\ud654\ud3d0 \ud3c9\uac00\ud310 \uaddc\uc815 \uc900\uc218<\/strong><\/em>:<br \/>\n\ub450\ubc14\uc774, VAST \ud504\ub808\uc784\uc6cc\ud06c \ucd9c\uc2dc, \uac70\ub798\uc18c\uc5d0 100\ub9cc \ub2ec\ub7ec \uc790\ubcf8\uae08 \ucda9\uc871 \uc694\uad6c<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>\uc911\ub3d9 \uc9c0\uc5ed\uc758 \uacb0\uc81c \uc2b5\uad00\uacfc \uc18c\ube44\uc790 \ud589\ub3d9\uc740 \uc885\uad50\uc801, \ubb38\ud654\uc801 \uc601\ud5a5\uc744 \ubc1b\uc544 \ub3c5\ud2b9\ud55c \ub2e4\uc591\uc131\uc744 \ubcf4\uc5ec\uc90d\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":[35],"tags":[],"class_list":["post-3308","post","type-post","status-publish","format-standard","hentry","category-35"],"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>\u4e2d\u4e1c\u652f\u4ed8\u4e60\u60ef\u5168\u89e3\u6790\uff1a\u6d88\u8d39\u8d8b\u52bf\u4e0e\u884c\u4e3a\u5206\u6790 - 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, 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