{"id":2889,"date":"2025-05-20T14:21:04","date_gmt":"2025-05-20T06:21:04","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2889"},"modified":"2025-05-20T14:21:04","modified_gmt":"2025-05-20T06:21:04","slug":"%e5%8d%b0%e5%b0%bc%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%b6%88%e8%b4%b9%e5%81%8f%e7%88%b1%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/20\/%e5%8d%b0%e5%b0%bc%e4%ba%ba%e6%97%a5%e5%b8%b8%e6%b6%88%e8%b4%b9%e5%81%8f%e7%88%b1%e4%bb%80%e4%b9%88%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%ef%bc%9f\/","title":{"rendered":"\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f"},"content":{"rendered":"<h1>\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f<\/h1>\n<h2>\u5f15\u8a00<\/h2>\n<p>\u968f\u7740\u6570\u5b57\u7ecf\u6d4e\u7684\u5feb\u901f\u53d1\u5c55\uff0c\u5370\u5c3c\u7684\u652f\u4ed8\u5e02\u573a\u6b63\u5728\u7ecf\u5386\u524d\u6240\u672a\u6709\u7684\u53d8\u9769\u3002\u4f5c\u4e3a\u4e1c\u5357\u4e9a\u6700\u5927\u7684\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5370\u5c3c\u62e5\u67092.7\u4ebf\u4eba\u53e3\u548c\u4e0d\u65ad\u58ee\u5927\u7684\u4e2d\u4ea7\u9636\u7ea7\uff0c\u5176\u652f\u4ed8\u4e60\u60ef\u53cd\u6620\u4e86\u8be5\u56fd\u72ec\u7279\u7684\u91d1\u878d\u79d1\u6280\u53d1\u5c55\u8f68\u8ff9\u3002\u672c\u6587\u5c06\u6df1\u5165\u63a2\u8ba8\u5f53\u524d\u5370\u5c3c\u6d88\u8d39\u8005\u5728\u65e5\u5e38\u8d2d\u7269\u4e2d\u6700\u9752\u7750\u7684\u652f\u4ed8\u65b9\u5f0f\uff0c\u5206\u6790\u73b0\u91d1\u3001\u7535\u5b50\u94b1\u5305\u3001\u94f6\u884c\u8f6c\u8d26\u548c\u4fe1\u7528\u5361\u7b49\u4e3b\u8981\u652f\u4ed8\u5de5\u5177\u7684\u5e02\u573a\u4efd\u989d\u53ca\u4f7f\u7528\u573a\u666f\u3002<\/p>\n<h2>\u73b0\u91d1\u4ecd\u662f\u57fa\u7840\u4f46\u9010\u6e10\u51cf\u5c11<\/h2>\n<p>\u5c3d\u7ba1\u6570\u5b57\u652f\u4ed8\u8fc5\u731b\u589e\u957f\uff0c\u73b0\u91d1\u57282023\u5e74\u4ecd\u5360\u5370\u5c3c\u65e5\u5e38\u4ea4\u6613\u91cf\u768435%\u5de6\u53f3\u3002\u5728\u5c0f\u989d\u4ea4\u6613\u3001\u4f20\u7edf\u5e02\u573a\u548c\u519c\u6751\u5730\u533a\u7279\u522b\u666e\u904d\uff1a<\/p>\n<ul>\n<li><strong>\u5c0f\u989d\u652f\u4ed8\u7684\u4fbf\u5229\u6027<\/strong>\uff1a\u4f4e\u4e8e10\u4e07\u5370\u5c3c\u76fe(\u7ea67\u7f8e\u5143)\u7684\u4ea4\u6613\u4e2d60%\u4ecd\u4f7f\u7528\u73b0\u91d1<\/li>\n<li><strong>\u644a\u8d29\u5e02\u573a\u7684\u7edf\u6cbb\u5730\u4f4d<\/strong>\uff1a92%\u7684\u4f20\u7edf\u5e02\u573a\u5546\u6237\u53ea\u63a5\u53d7\u73b0\u91d1\u4ed8\u6b3e<\/li>\n<li><strong>\u8001\u5e74\u7fa4\u4f53\u4f9d\u8d56\u5ea6<\/strong>\uff1a55\u5c81\u4ee5\u4e0a\u4eba\u7fa4\u4e2d78%\u9996\u9009\u73b0\u91d1\u652f\u4ed8<\/li>\n<\/ul>\n<p>\u4e0d\u8fc7\u592e\u884c\u6570\u636e\u663e\u793a\uff0c\u4ece2019\u5e74\u52302023\u5e74\u671f\u95f4\u57ce\u5e02\u5730\u533a\u7684\u73b0\u949e\u6d41\u901a\u91cf\u4e0b\u964d\u4e8611\u4e2a\u767e\u5206\u70b9\u3002<\/p>\n<h2>\u7535\u5b50\u94b1\u5305\u7206\u53d1\u5f0f\u589e\u957f<\/h2>\n<p>GoPay\u3001OVO\u3001DANA\u548cShopeePay\u7b49\u672c\u5730\u7535\u5b50\u94b1\u5305\u5df2\u6210\u4e3a\u57ce\u5e02\u5e74\u8f7b\u4eba\u7684\u9996\u9009\uff1a<\/p>\n<ol>\n<li>\n<p><strong>\u7528\u6237\u57fa\u6570<\/strong><\/p>\n<ul>\n<li>\u6d3b\u8dc3\u7528\u6237\u8fbe1.25\u4ebf(\u5360\u603b\u4eba\u53e346%)<\/li>\n<li>GoPay\u4ee538%\u5e02\u573a\u4efd\u989d\u9886\u5148<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u5e94\u7528\u573a\u666f<\/strong><\/p>\n<ul>\n<li>\u5728\u7ebf\u8d2d\u7269\u5360\u6bd457%<\/li>\n<li>\u5916\u5356\u914d\u9001\u5360\u6bd429%<\/li>\n<li>QR\u7801\u7ebf\u4e0b\u626b\u7801\u4ed814%<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>\u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\"\u5148\u4e70\u540e\u4ed8\"\u670d\u52a1\u5982Akulaku\u901a\u8fc7\u7535\u5b50\u94b1\u5305\u6e20\u9053\u589e\u957f\u4e86300%\u3002<\/p>\n<h2>\u94f6\u884c\u8f6c\u8d26\u4fdd\u6301\u7a33\u5b9a\u5730\u4f4d<\/h2>\n<p>\u5305\u62ec\u5b9e\u65f6\u6e05\u7b97\u7cfb\u7edfBI-FAST\u5728\u5185\u7684\u94f6\u884c\u8f6c\u8d26\u5360\u975e\u73b0\u91d1\u652f\u4ed8\u768440%\uff0c\u7279\u70b9\u662f\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>\u7c7b\u578b<\/th>\n<th>\u5360\u6bd4<\/th>\n<th>\u5178\u578b\u7528\u9014<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>ATM\u8f6c\u8d26<\/td>\n<td>31%<\/td>\n<td>\u8d26\u5355\u7f34\u7eb3<\/td>\n<\/tr>\n<tr>\n<td>\u7f51\u4e0a\u94f6\u884c<\/td>\n<td>28%<\/td>\n<td>\u5927\u989d\u5546\u54c1\u8d2d\u4e70<\/td>\n<\/tr>\n<tr>\n<td>\u624b\u673a\u94f6\u884c<\/td>\n<td>41%<\/td>\n<td>P2P\u8f6c\u8d26<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u4e2d\u5c0f\u4f01\u4e1aB2B\u4ea4\u6613\u4e2d75%-80%\u901a\u8fc7\u94f6\u884c\u6e20\u9053\u5b8c\u6210\u7ed3\u7b97\u3002<\/p>\n<h2>\"\u5148\u4e70\u540e\u4ed8\"(BNPL)\u5f02\u519b\u7a81\u8d77<\/h2>\n<p>\u8fd9\u79cd\u65b0\u578b\u4fe1\u8d37\u6d88\u8d39\u6a21\u5f0f\u572820-35\u5c81\u7fa4\u4f53\u4e2d\u8fc5\u901f\u666e\u53ca\uff1a<\/p>\n<ul>\n<li>Kredivo\u62a5\u544a\u663e\u793a\u7535\u5b50\u4ea7\u54c1\u5206\u671f\u589e\u957f170%<\/li>\n<li>Atome\u670d\u88c5\u7c7b\u8ba2\u5355\u589e\u52a095%<\/li>\n<li>Akulaku\u5e73\u5747\u6bcf\u5355\u91d1\u989d\u8fbe120\u4e07\u76fe(\u7ea685\u7f8e\u5143)<\/li>\n<\/ul>\n<p>\u76d1\u7ba1\u673a\u6784\u5df2\u5f00\u59cb\u5173\u6ce8\u8fd9\u4e2a\u5e74\u589e\u901f200\uff05\u7684\u5e02\u573a\u677f\u5757\u3002<\/p>\n<h2>QRIS\u7edf\u4e00\u6807\u51c6\u63a8\u52a8\u65e0\u5361\u5316\u8fdb\u7a0b<\/h2>\n<p>\u592e\u884c\u4e3b\u5bfc\u7684\u56fd\u5bb6\u6807\u51c6QR\u7801\u7cfb\u7edf\u6210\u6548\u663e\u8457\uff1a<\/p>\n<pre><code class=\"language-mermaid\">pie<br>\r\n    title QRIS\u5728\u5404\u884c\u4e1a\u7684\u6e17\u900f\u7387(2023)<br>\r\n    \"\u96f6\u552e\u5546\u5e97\" :45 <br>\r\n    \"\u9910\u996e\u573a\u6240\":32  <br>\r\n    \"\u4ea4\u901a\u51fa\u884c\":12  <br>\r\n    \"\u5176\u4ed6\u670d\u52a1\":11 <br>\r\n<\/code><\/pre>\n<p>\u8be5\u7cfb\u7edf\u5df2\u8fde\u63a51800\u4e07\u5546\u6237\u5e76\u652f\u6301\u8de8\u5883\u626b\u7801\u529f\u80fd\u3002<\/p>\n<h2>COVID\u540e\u7684\u6301\u4e45\u53d8\u5316\u5bf9\u6bd4\u8868<\/h2>\n<p>\u6bd4\u8f83\u75ab\u60c5\u524d\u540e\u4e3b\u8981\u53d8\u5316:<\/p>\n<table>\n<thead>\n<tr>\n<th>2019\u5e74\u6bd4\u4f8b(%)<\/th>\n<th>2023\u5e74\u6bd4\u4f8b(%)<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u73b0\u949e\u4f7f\u7528\u7387<\/td>\n<td>62<\/td>\n<td>35<\/td>\n<\/tr>\n<tr>\n<td>\u7535\u5b50\u94b1\u5305\u6e17\u900f\u7387<\/td>\n<td>23\u202f\u202f\u202f\u202f\u202f\u202f\u202f \u202f \u202f \u202f \u2009\u2009\u2009\u2009\u200949<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u63a5\u89e6\u5f0f\u5361\u4ed8\u6b3e\u2003\u200318\u2003\u20038<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u6570\u636e\u8868\u660e\u884c\u4e3a\u6539\u53d8\u5177\u6709\u6301\u7eed\u6027\u800c\u975e\u6682\u65f6\u73b0\u8c61.<\/p>\n<p>\u533a\u57df\u5dee\u5f02\u660e\u663e\u9700\u8981\u6ce8\u610f:<br \/>\n\u96c5\u52a0\u8fbe\u90fd\u5e02\u5708\u975e\u63a5\u89e6\u5f0f\u4ed8\u6b3e\u7387\u8fbe65%,\u800c\u4e1c\u52aa\u6c99\u767b\u52a0\u62c9\u7701\u4ecd\u4fdd\u630182\uff05\u7684\u73b0\u949e\u504f\u597d.<\/p>\n<p>\u4e13\u5bb6\u89c2\u70b9:<br \/>\n\"\u672a\u6765\u4e09\u5e74\u5185,\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u7ed3\u5408\u8d85\u7ea7App\u751f\u6001\u5c06\u91cd\u5851\u6574\u4e2a\u884c\u4e1a\u683c\u5c40\"\u2014Fintech Indonesia\u4e3b\u5e2dSugeng Santoso\u9884\u6d4b\u9053.<\/p>\n<p>\u603b\u7ed3\u8d8b\u52bf\u7ebf:<br \/>\n\u2192\u5e74\u8f7b\u4e00\u4ee3\u5b8c\u5168\u8f6c\u5411\u6570\u5b57\u5316<br \/>\n\u2192\u4e2d\u5c0f\u57ce\u9547\u5904\u4e8e\u8fc7\u6e21\u9636\u6bb5<br \/>\n\u2192\u504f\u8fdc\u5c9b\u5c7f\u7ef4\u6301\u73b0\u72b6<\/p>\n<p>\u6700\u7ec8\u5efa\u8bae\u5546\u5bb6\u5e94\u81f3\u5c11\u63d0\u4f9b\u4e24\u79cd\u6570\u5b57\u9009\u9879+\u73b0\u949e\u4ee5\u8986\u76d6\u5404\u5ba2\u7fa4<\/p>\n<h2>\u5370\u5c3c\u6570\u5b57\u652f\u4ed8\u7ec6\u5206\u573a\u666f\u6df1\u5ea6\u5206\u6790<\/h2>\n<h3>\u4e00\u3001\u7ebf\u4e0a\u8d2d\u7269\u652f\u4ed8\u683c\u5c40\u6f14\u53d8<\/h3>\n<p>\u5370\u5c3c\u7535\u5546\u5e02\u573a2023\u5e74GMV\u7a81\u7834800\u4ebf\u7f8e\u5143\uff0c\u652f\u4ed8\u65b9\u5f0f\u5448\u73b0\u660e\u663e\u5206\u5c42\uff1a<\/p>\n<ol>\n<li>\n<p><strong>\u4e3b\u6d41\u5e73\u53f0\u504f\u597d<\/strong><\/p>\n<ul>\n<li>Tokopedia\uff1aGoPay\u5360\u6bd442%\uff0c\u94f6\u884c\u8f6c\u8d2635%<\/li>\n<li>Shopee\uff1aShopeePay\u72ec\u536058%\u4ea4\u6613\u91cf<\/li>\n<li>Lazada\uff1a\u4fe1\u7528\u5361\/\u501f\u8bb0\u5361\u4ecd\u4fdd\u630151%\u4efd\u989d<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u54c1\u7c7b\u5dee\u5f02\u663e\u8457<\/strong><\/p>\n<pre><code class=\"language-mermaid\">graph LR<br>\r\n\u7535\u5b50\u4ea7\u54c1--&gt;|75%|\u5206\u671f\u4ed8\u6b3e<br>\r\n\u5feb\u6d88\u54c1--&gt;|68%|\u7535\u5b50\u94b1\u5305<br>\r\n\u5962\u4f88\u54c1--&gt;|82%|\u94f6\u884c\u8f6c\u8d26<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\u65b0\u5174\u8d8b\u52bf<\/strong><\/p>\n<ul>\n<li>\u793e\u4ea4\u7535\u5546\uff08TikTok Shop\u7b49\uff09\u4e2d\"\u8d27\u5230\u626b\u7801\u4ed8\"\u589e\u957f300%<\/li>\n<li>\u76f4\u64ad\u5e26\u8d27\u573a\u666f\u4e0b\"1-Click\u652f\u4ed8\"\u8f6c\u5316\u7387\u63d0\u534740%<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\u4e8c\u3001\u7ebf\u4e0b\u96f6\u552e\u4e1a\u6001\u652f\u4ed8\u56fe\u8c31<\/h3>\n<h4>\uff081\uff09\u73b0\u4ee3\u6e20\u9053\uff08\u4fbf\u5229\u5e97\/\u8d85\u5e02\uff09<\/h4>\n<ul>\n<li>\n<p>Alfamart\/Indomaret\u4f53\u7cfb\uff1a<\/p>\n<ul>\n<li>QRIS\u666e\u53ca\u7387\u8fbe100%<\/li>\n<li>\u7535\u5b50\u94b1\u5305\u5360\u6bd4\u4ece2019\u5e7412%\u98d9\u5347\u81f32023\u5e7453%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Circle K\u7b49\u56fd\u9645\u8fde\u9501\uff1a<br \/>\n|\u65f6\u6bb5 |\u73b0\u91d1\u6bd4\u4f8b|\u975e\u73b0\u91d1\u6bd4\u4f8b|<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;-|<br \/>\n|\u65e9\u9ad8\u5cf0(7-9\u70b9)|38% |62% |<br \/>\n|\u591c\u5bb5\u65f6\u6bb5(21-24\u70b9)|15% |85% |<\/p>\n<\/li>\n<\/ul>\n<h4>\uff082\uff09\u4f20\u7edf\u5e02\u573a\u521b\u65b0\u5b9e\u9a8c<\/h4>\n<p>\u592e\u884c\u63a8\u52a8\u7684\"\u6570\u5b57\u5316\u83dc\u7bee\u5b50\u8ba1\u5212\"\u6210\u6548\uff1a<\/p>\n<pre><code class=\"language-python\"># Jakarta\u67d0\u8bd5\u70b9\u5e02\u573a\u6570\u636e\u5bf9\u6bd4 <br>\r\nbefore = {'cash':92%, 'digital':8%, '\u65e5\u5747\u4ea4\u6613\u91cf':1200\u6b21}<br>\r\nafter = {'cash':47%, 'digital':53%, '\u65e5\u5747\u4ea4\u6613\u91cf':2100\u6b21} <br>\r\n# Note:\u5305\u542b\u653f\u5e9c\u8865\u8d34\u6fc0\u52b1\u56e0\u7d20<br>\r\n<\/code><\/pre>\n<p>\u4e09\u3001\u670d\u52a1\u884c\u4e1a\u7279\u6b8a\u751f\u6001<\/p>\n<ol>\n<li>\n<p><strong>\u4ea4\u901a\u51fa\u884c\u9886\u57df<\/strong><\/p>\n<ul>\n<li>Gojek\u751f\u6001\u5185\u65e0\u73b0\u91d1\u652f\u4ed8\u7387\u5df2\u8fbe97%<br \/>\n\u2013 Blue Bird\u51fa\u79df\u8f66\u4fe1\u7528\u5361\u7ec8\u7aef\u8986\u76d6\u7387100%\uff0c\u4f46\u5b9e\u9645\u4f7f\u7528\u7387\u4ec519%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u6559\u80b2\u533b\u7597\u573a\u666f<\/strong><br \/>\n\u79c1\u7acb\u5b66\u6821\u5b66\u8d39\u7f34\u7eb3\u51fa\u73b0\u6709\u8da3\u5206\u5316\uff1a<\/p>\n<p>\u4ed8\u6b3e\u65b9\u5f0f \u2502\u5e73\u5747\u5904\u7406\u65f6\u957f \u2502\u5931\u8d25\u7387<br \/>\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500<br \/>\n\u94f6\u884c\u67dc\u53f0\u6c47\u6b3e \u250248\u5c0f\u65f6 \u250212%<br \/>\n\u624b\u673a\u94f6\u884cAPP \u25028\u5206\u949f \u25022.3\uff05<br \/>\n\u7b2c\u4e09\u65b9\u805a\u5408\u5e73\u53f0 \u2502\u5373\u65f6\u5230\u8d26 \u25020.7\uff05<\/p>\n<\/li>\n<\/ol>\n<p>\u56db\u3001\u8de8\u5883\u652f\u4ed8\u7684\u5d1b\u8d77\u4e0e\u6311\u6218<\/p>\n<p>\u968f\u7740\u4e2d\u56fd\u8de8\u5883\u7535\u5546\u5bc6\u96c6\u5e03\u5c40\uff0c\u65b0\u9700\u6c42\u50ac\u751f\u521b\u65b0\u89e3\u51b3\u65b9\u6848\uff1a<\/p>\n<ol>\n<li><strong>\u75db\u70b9\u5730\u56fe<\/strong><\/li>\n<\/ol>\n<pre><code class=\"language-mermaid\">journey     <br>\r\ntitle\u6d88\u8d39\u8005\u8de8\u5883\u652f\u4ed8\u969c\u788d     <br>\r\nsection\u91d1\u989d\u9650\u5236      <br>\r\n30%%\u7528\u6237\u9047\u5230\u5355\u7b14\u9650\u989d\u95ee\u9898      <br>\r\nsection\u8d27\u5e01\u5151\u6362       <br>\r\n25%%\u62b1\u6028\u6c47\u7387\u4e0d\u900f\u660e     <br>\r\nsection\u9a8c\u8bc1\u6d41\u7a0b       <br>\r\n20%%\u56e0OTP\u5931\u8d25\u653e\u5f03\u8d2d\u4e70    <br>\r\n<\/code><\/pre>\n<p>2.<strong>\u5934\u90e8\u73a9\u5bb6\u65b9\u6848\u5bf9\u6bd4<\/strong><\/p>\n<h2>\u4f01\u4e1a \u6838\u5fc3\u4f18\u52bf \u76ee\u6807\u5ba2\u7fa4<\/h2>\n<p>Doku \u672c\u5730\u5316\u6e05\u7b97\u7f51\u7edc \u4e2d\u5c0f\u8de8\u5883\u7535\u5546<br \/>\nAirwallex \u591a\u5e01\u79cd\u8d26\u6237\u4f53\u7cfb \u54c1\u724c\u72ec\u7acb\u7ad9<br \/>\nNIUM \u5b9e\u65f6\u5916\u6c47\u9501\u5b9a \u9ad8\u9891\u91c7\u8d2d\u5546<\/p>\n<p><em>\u6ce8\uff1a2024\u5e74\u5c06\u5b9e\u65bd\u7684\u65b0\u7248API\u6807\u51c6\u9884\u8ba1\u964d\u4f4e30\uff05\u7ed3\u7b97\u5ef6\u8fdf<\/em><\/p>\n<p>\u4e94\u3001\u76d1\u7ba1\u6c99\u76d2\u6700\u65b0\u52a8\u6001<\/p>\n<p>\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40(OJK)\u8fd1\u671f\u6d4b\u8bd5\u9879\u76ee\u503c\u5f97\u5173\u6ce8\uff1a<\/p>\n<p>1.<strong>\u751f\u7269\u8bc6\u522b\u9a8c\u8bc1\u8bd5\u9a8c<\/strong><br \/>\n-\u53c2\u4e0e\u673a\u6784\uff1a6\u5bb6\u94f6\u884c+3\u5bb6\u7535\u5b50\u94b1\u5305<br \/>\n-\u6d4b\u8bd5\u7ed3\u679c\uff1a\u9762\u90e8\u8bc6\u522b\u6210\u529f\u738798\uff0e7\uff05\uff0c\u8f83\u77ed\u4fe1OTP\u63d0\u901f5\u500d<\/p>\n<p>2.<strong>\u6570\u5b57\u8d27\u5e01\u6865\u6881\u9879\u76ee<\/strong><br \/>\n\u4e0e\u9a6c\u6765\u897f\u4e9a\u3001\u65b0\u52a0\u5761\u8054\u5408\u6d4b\u8bd5\u7684\u6279\u53d1\u578bCBDC\u5df2\u5b8c\u6210\u7b2c\u4e8c\u9636\u6bb5\uff0c\u9884\u8ba1\u5c06\u4f7fB2B\u8de8\u5883\u7ed3\u7b97\u6210\u672c\u4ece\u76ee\u524d\u76847\uff0d9\uff05\u964d\u81f3\u7ea6\uff12\uff05\u3002<\/p>\n<p>\u516d\u3001\u57fa\u7840\u8bbe\u65bd\u5173\u952e\u74f6\u9888<\/p>\n<p>\u5c3d\u7ba1\u53d1\u5c55\u8fc5\u901f\uff0c\u4ecd\u6709\u786c\u6027\u5236\u7ea6\u56e0\u7d20\uff1a<\/p>\n<p>\uff11\uff0e<strong>\u7f51\u7edc\u8986\u76d6\u7f3a\u53e3<\/strong>\u3000\u3000\u3000\u3000\u3000\u3000\u3000\u4e1c\u90e8\u7fa4\u5c9b\uff14\uff27\u4fe1\u53f7\u8986\u76d6\u7387\u4ec5\uff16\uff11\uff05<\/p>\n<p>\uff12\uff0e<strong>\u8bbe\u5907\u6e17\u900f\u7387\u77db\u76fe<\/strong>\u3000\u3000\u3000\u3000\u3000\u667a\u80fd\u624b\u673a\u7528\u6237\u8fbe\uff12\uff0e\uff11\u4ebf\u4f46NFC\u624b\u673a\u4ec5\u536037\uff05<\/p>\n<p>\uff13\uff0e<strong>\u7535\u529b\u4f9b\u5e94\u7a33\u5b9a\u6027\u95ee\u9898\u5bfc\u81f4<\/strong>:<br \/>\u504f\u8fdc\u5730\u533a\u4ee3\u7406\u5546\u6bcf\u6708\u5e73\u5747\u906d\u9047\uff18\u6b21\u56e0\u505c\u7535\u9020\u6210\u7684\u4ea4\u6613\u4e2d\u65ad<\/p>\n<p>\u9700\u8981\u7ee7\u7eed\u8865\u5145\u54ea\u4e9b\u5177\u4f53\u7ef4\u5ea6\u7684\u5206\u6790\uff1f\u6211\u53ef\u4ee5\u5c31\u4ee5\u4e0b\u65b9\u5411\u5c55\u5f00:<br \/>\n\u25c6\u519c\u6751\u5730\u533a\u7279\u6b8a\u6a21\u5f0f\u6848\u4f8b\u7814\u7a76<br \/>\n\u25c6\u5b97\u6559\u8282\u65e5\u671f\u95f4\u7684\u652f\u4ed8\u5cf0\u503c\u7279\u5f81<br \/>\n\u25c6\u4e0d\u540c\u6536\u5165\u9636\u5c42\u7684\u5206\u7fa4\u884c\u4e3a\u5dee\u5f02<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f \u5f15\u8a00 \u968f\u7740\u6570\u5b57\u7ecf\u6d4e\u7684\u5feb\u901f\u53d1\u2026<\/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-2889","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\/ -->\n<title>\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f - 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, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/zh\/2025\/05\/20\/\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f \u5f15\u8a00 \u968f\u7740\u6570\u5b57\u7ecf\u6d4e\u7684\u5feb\u901f\u53d1&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/zh\/2025\/05\/20\/\u5370\u5c3c\u4eba\u65e5\u5e38\u6d88\u8d39\u504f\u7231\u4ec0\u4e48\u652f\u4ed8\u65b9\u5f0f\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-20T06:21:04+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9810\u4f30\u95b1\u8b80\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u5206\u9418\" \/>\n<script type=\"application\/ld+json\" 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