{"id":3332,"date":"2025-06-15T18:43:51","date_gmt":"2025-06-15T10:43:51","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3332"},"modified":"2025-06-15T18:43:51","modified_gmt":"2025-06-15T10:43:51","slug":"%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%a2%86%e5%9f%9f%e7%9a%84%e6%9c%ba%e4%bc%9a%e4%b8%8e%e9%a3%8e%e9%99%a9","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/15\/%e6%8a%95%e8%b5%84%e8%80%85%e5%bf%85%e7%9c%8b%ef%bc%9a%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%a2%86%e5%9f%9f%e7%9a%84%e6%9c%ba%e4%bc%9a%e4%b8%8e%e9%a3%8e%e9%99%a9\/","title":{"rendered":"\ud22c\uc790\uc790\ub97c \uc704\ud55c \ud544\ub3c5\uc11c: \ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \ubd80\ubb38\uc758 \uae30\ud68c\uc640 \ub9ac\uc2a4\ud06c"},"content":{"rendered":"<h1>\ud22c\uc790\uc790\ub97c \uc704\ud55c \ud544\ub3c5\uc11c: \ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \ubd80\ubb38\uc758 \uae30\ud68c\uc640 \ub9ac\uc2a4\ud06c<\/h1>\n<h2>\uc18c\uac1c<\/h2>\n<p>\ub514\uc9c0\ud138 \uacbd\uc81c\uc758 \uae09\uc18d\ud55c \uc131\uc7a5\uacfc \ud568\uaed8 \uc804 \uc138\uacc4 \uacb0\uc81c \uc0b0\uc5c5\uc740 \uc804\ub840 \uc5c6\ub294 \ubcc0\ud654\ub97c \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub0a8\uc544\uc2dc\uc544\uc758 \uc2e0\ud765 \uc2dc\uc7a5 \uc911 \ud558\ub098\uc778 \ubc29\uae00\ub77c\ub370\uc2dc\uc758 \uacb0\uc81c \ubd80\ubb38\uc740 \ucd5c\uadfc \uba87 \ub144 \ub3d9\uc548 \uc5c4\uccad\ub09c \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \ubcf4\uc5ec \uc654\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uae30\ud68c\uc640 \uc704\ud5d8\uc774 \ubaa8\ub450 \uc874\uc7ac\ud558\uae30 \ub54c\ubb38\uc5d0 \ud22c\uc790\uc790\ub294 \uc774 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\uae30 \uc804\uc5d0 \ud604\uc7ac \uac1c\ubc1c \uc0c1\ud669, \uc815\ucc45 \ud658\uacbd, \uc7a0\uc7ac\uc801 \ub3c4\uc804 \uacfc\uc81c\ub97c \ucca0\uc800\ud788 \uc774\ud574\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774 \uae00\uc5d0\uc11c\ub294 \ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud22c\uc790 \uae30\ud68c\uc640 \ub9ac\uc2a4\ud06c\ub97c \ubd84\uc11d\ud558\uc5ec \uc2dc\uc7a5 \uc9c4\ucd9c\uc5d0 \uad00\uc2ec\uc774 \uc788\ub294 \ud22c\uc790\uc790\ub4e4\uc5d0\uac8c \ucc38\uace0\uc790\ub8cc\ub97c \uc81c\uacf5\ud558\uace0\uc790 \ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<h2>I. \ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \uc2dc\uc7a5\uc758 \uac70\ub300\ud55c \uc7a0\uc7ac\ub825<\/h2>\n<h3>1. <strong>\uc778\uad6c \ubc30\ub2f9\uacfc \uacbd\uc81c \uc131\uc7a5<\/strong><\/h3>\n<ul>\n<li><strong>\ub300\uaddc\ubaa8 \uc778\uad6c \uae30\ubc18<\/strong>\ubc29\uae00\ub77c\ub370\uc2dc\ub294 \uc778\uad6c\uac00 1\uc5b5 6\ucc9c\ub9cc \uba85\uc774 \ub118\ub294 \uc138\uacc4\uc5d0\uc11c 8\ubc88\uc9f8\ub85c \uc778\uad6c\uac00 \ub9ce\uc740 \uad6d\uac00\ub85c, \uc80a\uc740 \uce35\uc774 \ub9ce\uc544(\uc778\uad6c\uc758 \uc57d 60%\uac00 30\uc138 \ubbf8\ub9cc) \ub514\uc9c0\ud138 \uacb0\uc81c\uc758 \ud655\uc0b0\uc744 \uc704\ud55c \uad11\ubc94\uc704\ud55c \uc0ac\uc6a9\uc790\uce35\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc9c0\uc18d\uc801\uc778 \uacbd\uc81c \uc131\uc7a5<\/strong>\ubc29\uae00\ub77c\ub370\uc2dc\uc758 GDP\ub294 \uc9c0\ub09c 10\ub144\uac04 \uc5f0\ud3c9\uade0 61% \uc774\uc0c1\uc758 \uc131\uc7a5\ub960(2023\ub144 7.21%)\uc744 \uc720\uc9c0\ud588\uc73c\uba70, \uc911\uc0b0\uce35\uc774 \ud655\ub300\ub418\uba74\uc11c \uc18c\ube44 \uc5c5\uadf8\ub808\uc774\ub4dc\uc640 \uae08\uc735 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uae09\uc99d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>2. <strong>\ubaa8\ubc14\uc77c \uc778\ud130\ub137\uc758 \ube60\ub978 \ubcf4\uae09<\/strong><\/h3>\n<ul>\n<li><strong>\uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 \uc99d\uac00<\/strong>2023\ub144 \ud604\uc7ac \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc790\uac00 1\uc5b5 \uba85\uc744 \ub118\uc5b4\uc130\uace0, 70%\uc758 4G \ub124\ud2b8\uc6cc\ud06c \ucee4\ubc84\ub9ac\uc9c0\uac00 \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \uad11\ubc94\uc704\ud55c \uc0ac\uc6a9\uc744 \uc774\ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub514\uc9c0\ud138\ud654 \ud504\ub85c\uc138\uc2a4\uc5d0 \ub300\ud55c \uc815\ubd80 \uc9c0\uc6d0<\/strong>\ub514\uc9c0\ud138 \ubc29\uae00\ub77c\ub370\uc2dc 2030 \uc804\ub7b5\uc740 \ud604\uae08 \uc5c6\ub294 \uc0ac\ud68c\ub77c\ub294 \ubaa9\ud45c\ub97c \uba85\ud655\ud788 \uc81c\uc2dc\ud558\uace0 \uc804\uc790\uc9c0\uac11, QR\ucf54\ub4dc\uc640 \uac19\uc740 \ud601\uc2e0\uc801\uc778 \uacb0\uc81c \uc218\ub2e8\uc758 \uac1c\ubc1c\uc744 \uc7a5\ub824\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3>3. <strong>\uae08\uc735 \ud3ec\uc6a9\uc131 \uaca9\ucc28\ub85c \uc778\ud55c \uae30\ud68c \ucc3d\ucd9c<\/strong><\/h3>\n<p>-\uc804\ud1b5 \uc740\ud589 \uc11c\ube44\uc2a4\ub294 \ucee4\ubc84\ub9ac\uc9c0\uac00 \ub0ae\uc740 \ubc18\uba74(\uc57d 40% \uc131\uc778 \uc911 \uc740\ud589 \uacc4\uc88c\ub97c \ubcf4\uc720\ud55c \ube44\uc728\uc740 \uc57d 3%), \ubaa8\ubc14\uc77c \uba38\ub2c8 \uacc4\uc88c \uc218\ub294 7\ucc9c\ub9cc \uac1c\ub97c \ub118\uc5c8\uc2b5\ub2c8\ub2e4(\uc608: bKash\uac00 \uc555\ub3c4\uc801 \uc6b0\uc704). \uc774\ub294 NBFC\uac00 \uc2dc\uc7a5\uc758 \uaca9\ucc28\ub97c \uba54\uc6b8 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<p>II. \uc8fc\uc694 \ubd80\ubb38\uc758 \ud22c\uc790 \uae30\ud68c<\/p>\n<p>1.<strong>\ubaa8\ubc14\uc77c \uc9c0\uac11 \ubc0f \ud1b5\uc2e0\uc0ac \ubc45\ud0b9 \ub124\ud2b8\uc6cc\ud06c<\/strong><br \/>\n-bKash(\ub098\uac00\ub4dc), \ub85c\ucf13\uacfc \uac19\uc740 \ub85c\uceec \ud50c\ub7ab\ud3fc\uc740 \uaddc\ubaa8\ub97c \ub2ec\uc131\ud588\uc9c0\ub9cc \uad6d\uacbd \uac04 \uc1a1\uae08 \ud1b5\ud569\uc774\ub098 \uc911\uc18c\uae30\uc5c5 \uc2e0\uc6a9 \uc11c\ube44\uc2a4 \ub4f1 \ucc28\ubcc4\ud654\uc758 \uc5ec\uc9c0\uac00 \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n-\ub300\ub9ac\uc810 \ubc45\ud0b9\uc740 \uc804\uad6d\uc801\uc73c\ub85c 20\ub9cc \uac1c\uac00 \ub118\ub294 \uc810\ud3ec\uc640 \uc131\uc219\ud55c \uc218\uc218\ub8cc \uacf5\uc720 \uba54\ucee4\ub2c8\uc998\uc744 \uac16\ucd98 \uc9c0\ubc29 \uc2dc\uc7a5 \ud655\ub300\ub97c \uc704\ud55c \ud575\uc2ec \ucc44\ub110\uc785\ub2c8\ub2e4.<\/p>\n<p>2.<strong>\ud574\uc678 \uacb0\uc81c \uc194\ub8e8\uc158<\/strong><br \/>\n-\uc1a1\uae08 \uc218\uc785\uc740 \uacbd\uc81c\uc758 \uadfc\uac04\uc774\uc9c0\ub9cc(2022\ub144\uae4c\uc9c0 210\uc5b5 \ub2ec\ub7ec) \uc218\uc218\ub8cc\uac00 \ub192\uc2b5\ub2c8\ub2e4(\ud3c9\uade0 5%-7%) \ube14\ub85d\uccb4\uc778 \ub610\ub294 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \uae30\uc220 \uae30\uc5c5\uc740 \ud504\ub85c\uc138\uc2a4\ub97c \ucd5c\uc801\ud654\ud558\uc5ec \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\uc758 \uc99d\uac00\ub85c \uc778\ud574 \ud2b9\ud788 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub97c \uc9c0\uc6d0\ud558\ub294 \uc911\uad6d\uc758 \ud574\uc678 \uae30\uc5c5\uc5d0 \uc801\ud569\ud55c B2B \uc778\uc218\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>3.<strong>BNPL(\uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \ub098\uc911\uc5d0 \uc9c0\ubd88) \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735<\/strong><br \/>\n-\uc80a\uc740 \uc18c\ube44\uc790\ub4e4\uc740 \ud560\ubd80\ub97c \uc798 \ubc1b\uc544\ub4e4\uc785\ub2c8\ub2e4. TallyTech\uc640 \uac19\uc740 \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \uc628\ub77c\uc778 \uc18c\ub9e4 \uc2dc\uc7a5\uc758 \ubb3c\uc744 \uc2dc\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4....<br \/>\nSaaS \ud50c\ub7ab\ud3fc\uc740 \uc911\uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uac00 API\ub97c \ud1b5\ud574 \uacb0\uc81c \uae30\ub2a5\uc744 \ud1b5\ud569\ud558\uc5ec \ube44\uc988\ub2c8\uc2a4\ub97c \ub514\uc9c0\ud138 \ubc29\uc2dd\uc73c\ub85c \uc804\ud658\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\ubb34\uc2dc\ud560 \uc218 \uc5c6\ub294 \uc704\ud5d8 \uc694\uc18c<\/p>\n<p>1.<strong>\uaddc\uc81c \uc815\ucc45\uc758 \ubd88\ud655\uc2e4\uc131<\/strong><br \/>\n\uc911\uc559\uc740\ud589(\ubc29\uae00\ub77c\ub370\uc2dc \uc740\ud589)\uc740 \uc5c4\uaca9\ud55c \uc678\uad6d\uc778 \uc18c\uc720\uad8c(\ucd5c\ub300 55%) \ubc0f \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uac74\uacfc \uae34 \ub77c\uc774\uc120\uc2a4 \uc2b9\uc778 \uc8fc\uae30(\ubcf4\ud1b5 12~18\uac1c\uc6d4)\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2.<strong>\uc778\ud504\ub77c \ubcd1\ubaa9 \ud604\uc0c1<\/strong><br \/>\n\ubd88\uc548\uc815\ud55c \uc804\ub825 \uacf5\uae09\uc740 POS \uc6b4\uc601\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0, \uc9c0\ubc29 \uc9c0\uc5ed\uc758 \ub124\ud2b8\uc6cc\ud06c \uc9c0\uc5f0\uc740 \ub192\uc740 \uac70\ub798 \uc2e4\ud328\uc728\ub85c \uc774\uc5b4\uc838 \uc624\ud504\ub77c\uc778 \uc778\uc99d \uae30\uc220\uc5d0 \ub300\ud55c \ucd94\uac00 \ud22c\uc790\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>3.*<em>\uc0ac\uae30 \ubc0f \uc2e0\uc6a9 \uc704\ud5d8<\/em><br \/>\n2022\ub144 \ucd1d 23\ub9cc \uac74\uc758 \ub514\uc9c0\ud138 \uc0ac\uae30 \uc0ac\uac74\uc740 \uc8fc\ub85c SIM \uce74\ub4dc \uc0ac\uae30\uc640 \uad00\ub828\uc774 \uc788\uc73c\uba70, \uc18c\ube44\uc790 \ub300\ucd9c\uc758 \ubd80\uc2e4\ucc44\uad8c \uc555\ub825\uc744 \uc99d\uac00\uc2dc\ud0a4\ub294 \ubd80\uc801\uc808\ud55c \uc2e0\uc6a9 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4.<\/p>\n<hr>\n<p>IV. \uc131\uacf5 \uc0ac\ub840 \uc5f0\uad6c: \ube44\uce90\uc2dc\uc758 \uc601\uac10<br \/>\n\uc564\ud2b8 \uadf8\ub8f9\uc774 \ud22c\uc790\ud55c \uc774 \uc720\ub2c8\ucf58\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc804\ub7b5\uc744 \ud1b5\ud574 75%\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ud655\ubcf4\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n&#8211;<strong>\uc0c1\ub2f4\uc6d0 \ub124\ud2b8\uc6cc\ud06c\uc758 \uce68\ubab0<\/strong>:: \ud604\uae08 \uacb0\uc81c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \ud3b8\uc758\uc810 25\ub9cc \uac1c \ubaa8\uc9d1.<br \/>\n&#8211;<strong>\uc7a5\uba74 \uc0dd\ud0dc\uc801 \uad6c\uc131<\/strong>:: \uacf5\uacfc\uae08\/\ud559\ube44 \ub0a9\ubd80 \ub4f1 \uc989\uac01\uc801\uc778 \ud544\uc694\uc5d0 \uc561\uc138\uc2a4\ud569\ub2c8\ub2e4.<br \/>\n&#8211;<strong>\uc0ac\uc6a9\uc790 \uad50\uc721<\/strong>:: \uc6b4\uc601\uc790\uc640 \ud568\uaed8\ud558\ub294 '\uc218\uc218\ub8cc \uc81c\ub85c' \ud504\ub85c\ubaa8\uc158\uc73c\ub85c \uc2b5\uad00\uc744 \uae30\ub974\uc138\uc694.<\/p>\n<hr>\n<p>V. \ud22c\uc790\uc790\ub97c \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \uc870\uc5b8<br \/>\n1)<strong>\ud604\uc9c0 \ud30c\ud2b8\ub108 \uc120\ud0dd<\/strong>:: \ucc44\ub110 \ub9ac\uc18c\uc2a4\ub97c \ud655\ubcf4\ud558\uba74\uc11c \uc678\uad6d\uc778 \ud22c\uc790 \uc81c\ud55c\uc744 \uc6b0\ud68c\ud569\ub2c8\ub2e4;<br \/>\n2)<strong>\uace0\ubc00\ub3c4 \uc2dc\ubc94 \ub3c4\uc2dc \uc6b0\uc120 \uc21c\uc704 \uc9c0\uc815<\/strong>\uc608\ub97c \ub4e4\uc5b4 \ub2e4\uce74\/\uce58\ud0c0\uacf5\uc5d0\uc11c \ud2f0\uc5b4 II\uc640 \ud2f0\uc5b4 III\ub85c \ud655\uc7a5\ud569\ub2c8\ub2e4;<br \/>\n3)<strong>\uaddc\uc815 \uc900\uc218 \uae30\uc220 \ud2b8\ub799\uc5d0 \uc9d1\uc911\ud558\uae30<\/strong>:: \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0(KYC)\/\uc704\ud5d8 \uad00\ub9ac \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\uacb0\ub860\ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \uc2dc\uc7a5\uc740 \uc5ec\ub7ec \uc5b4\ub824\uc6c0\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 1\uc778\ub2f9 \uc804\uc790 \uac70\ub798\uc561\uc774 \uc778\ub3c4\uc758 1\/3\uc5d0 \ubd88\uacfc\ud55c \ube14\ub8e8\uc624\uc158\uc785\ub2c8\ub2e4. \uc5bc\ub9ac \ubb34\ubc84\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \uc131\uc7a5 \ubc30\ub2f9\uae08\uc744 \ub204\ub9b4 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \ud575\uc2ec\uc740 \ud601\uc2e0 \uc18d\ub3c4\uc640 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ub2a5\ub825\uc758 \uade0\ud615\uc744 \ub9de\ucd94\ub294 \ub370 \uc788\uc2b5\ub2c8\ub2e4. (\ucd1d 1280\ub2e8\uc5b4)<\/p>\n<h2><strong>\ud22c\uc790\uc790\uac00 \uaf2d \uc54c\uc544\uc57c \ud560 \uc0ac\ud56d: \ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \ubd84\uc57c\uc758 \uae30\ud68c\uc640 \uc704\ud5d8(\uacc4\uc18d)<\/strong><\/h2>\n<h3><strong>\uacb0\uc81c \uc0dd\ud0dc\uacc4\uc758 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4 \ubd84\uc11d<\/strong><\/h3>\n<p>\ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \uc774\ud574\ub97c \uc704\ud574\uc11c\ub294 \ud575\uc2ec \ud50c\ub808\uc774\uc5b4\uc640 \uadf8\ub4e4\uc758 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc5d0 \uc9d1\uc911\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\uc640 \uadf8 \ud2b9\uc9d5\uc744 \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<h4><strong>1. \ud604\uc9c0 \ubaa8\ubc14\uc77c \uc9c0\uac11 \ub300\uae30\uc5c5<\/strong><\/h4>\n<ul>\n<li><strong>\ube44\uce90\uc2dc(\uc564\ud2b8 \uadf8\ub8f9 \ud22c\uc790)<\/strong>75%\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70 P2P \uc1a1\uae08, \uccad\uad6c\uc11c \uacb0\uc81c \ubc0f \ud1b5\uc2e0 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub098\uac00\ub4dc(\uc815\ubd80 \ubc30\uacbd)<\/strong>\uc800\ube44\uc6a9 \uc804\ub7b5\uc744 \uc911\uc2ec\uc73c\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uc5ec 2023\ub144\uae4c\uc9c0 6\ucc9c\ub9cc \uc0ac\uc6a9\uc790\ub97c \ub3cc\ud30c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n<li><strong>\ub85c\ucf13(\ub124\ub35c\ub780\ub4dc-\ubc29\uae00\ub77c \uc740\ud589\uc758 \uc77c\ubd80)<\/strong>\uae30\uc5c5 \uae09\uc5ec \uc2dc\ub098\ub9ac\uc624\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \ucd08\uae30 \uc9c4\uc785\uc790.<\/li>\n<\/ul>\n<h4><strong>2. \uad6d\uc81c \uacb0\uc81c \ud68c\uc0ac \ubc30\uce58<\/strong><\/h4>\n<ul>\n<li>\ud398\uc774\ud314\uc740 \uc544\uc9c1 \uc9c1\uc811 \uc9c4\ucd9c\ud558\uc9c0 \uc54a\uc558\uc9c0\ub9cc \ud604\uc9c0 \uc740\ud589\uc744 \ud1b5\ud574 \uac04\uc811\uc801\uc73c\ub85c \uc218\uae08\ud560 \uc218 \uc788\uace0, \ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc \ubcf4\uae09\ub960\uc740 \uace0\uae09 \uc18c\ube44\uc790\uce35\uc5d0\uc11c \ub354\ub514\uac8c \uc99d\uac00\ud558\uace0 \uc788\uc73c\uba70, \uc54c\ub9ac\ud398\uc774\uc640 \uc704\ucc57\ud398\uc774\ub294 \uc8fc\ub85c \uc911\uad6d \uad00\uad11\uac1d\uacfc \ud574\uc678 \uc9c1\uad6c\uc871\uc744 \ub300\uc0c1\uc73c\ub85c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h4><strong>\uc2e0\ud765 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5 3.<\/strong><\/h4>\n<ul>\n<li>SureCash(\uc774\uc2ac\ub78c \uae08\uc735 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uadf8\ub7a8\uc5d0 \uc911\uc810\uc744 \ub454);<\/li>\n<li>TallyTech(BNPL \ud2b8\ub799 \ub9ac\ub354);<\/li>\n<li>iPay(\uc911\uc18c\uae30\uc5c5 \uad6c\ub9e4 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4).<\/li>\n<\/ul>\n<hr>\n<p>VII. \ud5a5\ud6c4 5\ub144\uac04\uc758 \ud2b8\ub80c\ub4dc \uc608\uce21<\/p>\n<p>1.<strong>\uc0dd\uccb4 \uc778\uc2dd \uacb0\uc81c\uc758 \ud3ed\ubc1c\uc801\uc778 \uc99d\uac00<\/strong><br \/>\n\uc911\uc559\uc740\ud589\uc740 \uc0ac\uae30\uc728\uc744 \uc904\uc774\uae30 \uc704\ud574 2025\ub144 \uc774\ud6c4 '\uc5bc\uad74+\uc9c0\ubb38' \uc778\uc99d\uc744 \uc2dc\ubc94\uc801\uc73c\ub85c \ub3c4\uc785\ud574 \uacc4\uc88c \uac1c\uc124 \ud45c\uc900\uc73c\ub85c \uc0bc\uc744 \uc608\uc815\uc785\ub2c8\ub2e4.<\/p>\n<p>2.<strong>\uc288\ud37c \uc571 \ud1b5\ud569\uc744 \uc704\ud55c \uacbd\uc7c1<\/strong><br \/>\n\ud1b5\uc2e0 \uc0ac\uc5c5\uc790 Grameenphone\uc740 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 Grab \ubaa8\ub378\uc5d0 \uc774\uc5b4 \ub77c\uc774\ud504\uc2a4\ud0c0\uc77c \uc11c\ube44\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0 \uc804\uc790\uc9c0\uac11\uc744 \ud1b5\ud569\ud560 \uac83\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4.<\/p>\n<p>3.<strong>CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0) \uccb4\ud5d8\ud310<\/strong><br \/>\n\uc778\ub3c4\uc758 \ub514\uc9c0\ud138 \ub8e8\ud53c\uc5d0\uc11c \uc601\uac10\uc744 \ubc1b\uc740 \ubc29\uae00\ub77c\ub370\uc2dc\ub294 \uad6d\uacbd \uac04 \uacb0\uc81c \ud6a8\uc728\uc131\uc744 \ucd5c\uc801\ud654\ud558\uae30 \uc704\ud574 \ub3c4\ub9e4 \ub514\uc9c0\ud138 \ud654\ud3d0\ub97c \ucd9c\uc2dc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p>VIII. \uc81c\uc548\ub41c \ub9ac\uc2a4\ud06c \uad00\ub9ac \ud504\ub808\uc784\uc6cc\ud06c<br \/>\n\ud22c\uc790\uc790\ub294 \ub2e4\uc74c \ub9e4\ud2b8\ub9ad\uc2a4\ub97c \ucc38\uc870\ud558\uc5ec \ud504\ub85c\uc81d\ud2b8\uc758 \ud0c0\ub2f9\uc131\uc744 \ud3c9\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<table>\n<thead>\n<tr>\n<th>\uc704\ud5d8 \uc720\ud615<\/th>\n<th>\uc644\ud654 \uc870\uce58<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uc815\ucc45 \ubcc0\uacbd<\/td>\n<td>\uaddc\uc815 \uc900\uc218 \uc870\uc815\uc744 \uc704\ud55c 10%-15% \uc608\uc0b0 \uc608\uc57d<\/td>\n<\/tr>\n<tr>\n<td>\ud658\uc728 \ubcc0\ub3d9<\/td>\n<td>\ub3d9\uc801 \ud5e4\uc9c0 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud558\uc5ec USD\/\ud0c0\uce74 \ud658\uc728 \uace0\uc815\ud558\uae30<\/td>\n<\/tr>\n<tr>\n<td>\uae30\uc220 \uaca9\ucc28<\/td>\n<td>BDOSN\uacfc \uac19\uc740 \ud604\uc9c0 \uc0ac\uc774\ubc84 \ubcf4\uc548 \uae30\uc5c5\uacfc\uc758 \uc81c\ud734<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>IX. \ub370\uc774\ud130 \uae30\ubc18 \uc758\uc0ac \uacb0\uc815 \uc9c0\uc6d0<br \/>\n\ubaa8\ub2c8\ud130\ub9c1\ud560 \uc8fc\uc694 \uc9c0\ud45c \ubaa9\ub85d\uc785\ub2c8\ub2e4:<br \/>\n1)<strong>\uc6d4\uac04 \ud65c\uc131 \uc0ac\uc6a9\uc790 \uc99d\uac00\uc728<\/strong>(\uac74\uac15 &gt;8%);<br \/>\n2)<strong>\ub2e8\uc77c \uac70\ub798 \ube44\uc6a9<\/strong>(0.5% \uc774\ub0b4\ub85c \uc81c\uc5b4\ud574\uc57c \ud568);<br \/>\n3)<strong>\uc0c1\ub2f4\uc6d0 \uc774\uc9c1\ub960<\/strong>(\uacbd\uace0 20%).<\/p>\n<hr>\n<p>X. \ud2b9\ubcc4 \ucc38\uace0 \uc0ac\ud56d: \ubb38\ud654\uc801 \uc801\ud569\uc131 \ud3ec\uc778\ud2b8<br \/>\n<em>\uc911\uad6d \ubaa8\ub378\uc758 \uc9c1\uc811 \ubcf5\uc81c\ub97c \ud53c\ud558\uc138\uc694.<\/em>::<br \/>\n-\ub77c\ub9c8\ub2e8 \uae30\uac04 \ub3d9\uc548 \uac70\ub798\ub7c9 \uac10\uc18c 30% \ub9c8\ucf00\ud305 \ub9ac\ub4ec \uc870\uc815 \ud544\uc694 ;)<br \/>\n\uc9c0\ubc29 \uc0ac\uc6a9\uc790\ub294 \uce74\ub4dc \uacb0\uc81c\ubcf4\ub2e4 \ud604\uae08 \ucda9\uc804 \ubc29\uc2dd\uc744 \ub354 \uc2e0\ub8b0\ud569\ub2c8\ub2e4.<br \/>\n-\uc815\ubd80 \uae30\uad00 \uc870\ub2ec\uc740 \uc21c\uc218 \uc678\uad6d\uc778 \ud22c\uc790\ubcf4\ub2e4 \ud569\uc791 \ud22c\uc790\ub97c \uc120\ud638\ud569\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\uacb0\ub860<br \/>\n\ubc29\uae00\ub77c\ub370\uc2dc \uacb0\uc81c \uc2dc\uc7a5\uc740 '\uae30\ubcf8 \ubcf4\uc7a5'\uc5d0\uc11c '\uac00\uce58 \uc2ec\ud654'\ub85c \uc804\ud658\ud558\ub294 \uc911\uc694\ud55c \ub2e8\uacc4\uc5d0 \uc788\uc2b5\ub2c8\ub2e4. \uc5d0\uc774\uc804\ud2b8 \ub124\ud2b8\uc6cc\ud06c\uc758 \ub9c8\uc9c0\ub9c9 \ub9c8\uc77c\uc744 \ud574\uacb0\ud558\uace0 \uc0e4\ub9ac\uc544 \uae08\uc735\uc758 \uc6d0\uce59\uc5d0 \ubd80\ud569\ud558\ub294 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