{"id":32616,"date":"2026-02-09T07:28:13","date_gmt":"2026-02-09T07:28:13","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/scoring-engine-market-mordor\/"},"modified":"2026-09-11T22:14:23","modified_gmt":"2026-09-11T13:14:23","slug":"scoring-engine-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/scoring-engine-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2025\ub144 &#8211; 2030\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/scoring-engine-market-1758011604018-major-players.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/scoring-engine-market-size-image-1758266194386.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/li>\n<li class=\"toc-level-2\">1.2 \uc5f0\uad6c \ubc94\uc704<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">4. \uc2dc\uc7a5 \ud604\ud669<\/p>\n<ul>\n<li class=\"toc-level-2\">4.1 \uc2dc\uc7a5 \uac1c\uc694<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 \ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f \uc989\uc2dc \uacb0\uc81c\uc5d0\uc11c \uc2e4\uc2dc\uac04 \uc758\uc0ac \uacb0\uc815\uc5d0 \ub300\ud55c \uc218\uc694 \uac00\uc18d\ud654<\/li>\n<li class=\"toc-level-3\">4.2.2 \uace0\uae09 \uc704\ud5d8 \ubc0f \uaddc\uc815 \uc900\uc218 \uc810\uc218\ud654\ub97c \uc720\ub3c4\ud558\ub294 \uaddc\uc81c \uc758\ubb34 (\ubc14\uc824 IV, AML, GDPR)<\/li>\n<li class=\"toc-level-3\">4.2.3 \ub300\uccb4 \ub370\uc774\ud130 \ud65c\uc6a9 \uc99d\uac00 (\uacf5\uacfc\uae08 \uacb0\uc81c, \uc18c\uc15c \uc2e0\ud638, \ud154\ub808\ub9e4\ud2f1\uc2a4)<\/li>\n<li class=\"toc-level-3\">4.2.4 \ub3d9\uc801, \uc790\uc728 \ud559\uc2b5 \uc810\uc218 \ubaa8\ub378\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 AI\/ML \uae30\uc220\uc758 \ud655\uc0b0<\/li>\n<li class=\"toc-level-3\">4.2.5 API \uae30\ubc18 \uc11c\ube44\uc2a4\ud615 \uc810\uc218\ud654\ub97c \ud1b5\ud55c \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ubc0f \uc0dd\ud0dc\uacc4 \ud30c\ud2b8\ub108\uc2ed<\/li>\n<li class=\"toc-level-3\">4.2.6 \uc790\ub3d9\ud654\ub41c \uc778\uc218 \ubc0f \uc0ac\uae30 \ud0d0\uc9c0\ub97c \ud1b5\ud55c \uc6b4\uc601 \ud6a8\uc728\uc131 \ubc0f \ube44\uc6a9 \uc808\uac10\uc5d0 \uc911\uc810<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uc2dc\uc7a5 \uc81c\uc57d\n<ul>\n<li class=\"toc-level-3\">4.3.1 GDPR, CCPA \ubc0f \uc720\uc0ac \uaddc\uc81c\uc5d0 \ub530\ub978 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \ubcf4\uc548 \ubb38\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc124\uba85 \uac00\ub2a5\ud55c AI \ubc0f \ubaa8\ub378 \uac10\uc0ac\ub97c \uc694\uad6c\ud558\ub294 \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5 \ubc0f \uc724\ub9ac\uc801 \uacfc\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.3 \ubaa8\ub180\ub9ac\uc2dd \ud575\uc2ec \ubc45\ud0b9 \ubc0f \uc815\ucc45 \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569 \ubcf5\uc7a1\uc131<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc774\uc9c8\uc801\uc778 \uc815\ud615 \ubc0f \ube44\uc815\ud615 \uc18c\uc2a4 \uc804\ubc18\uc758 \ub370\uc774\ud130 \ud488\uc9c8 \ubc0f \ud45c\uc900\ud654 \ubb38\uc81c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uc0b0\uc5c5 \uac00\uce58 \uc0ac\uc2ac \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \uc601\ud5a5\uc5d0 \ub300\ud55c \uc8fc\uc694 \ud3c9\uac00<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.8 \uac70\uc2dc \uacbd\uc81c \uc694\uc778\uc758 \uc601\ud5a5<\/li>\n<li class=\"toc-level-2\">4.9 \uc8fc\uc694 \uc774\ud574\uad00\uacc4\uc790 \uc601\ud5a5 \ud3c9\uac00<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uad6c\uc131 \uc694\uc18c\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc194\ub8e8\uc158<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc11c\ube44\uc2a4<\/li>\n<li class=\"toc-level-4\">5.1.2.1 \uc804\ubb38 \uc11c\ube44\uc2a4 (\ubaa8\ub378 \uac1c\ubc1c, \ucee8\uc124\ud305)<\/li>\n<li class=\"toc-level-4\">5.1.2.2 \uc720\uc9c0\ubcf4\uc218 \ubc0f \uc9c0\uc6d0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ubc30\ud3ec \ubaa8\ub378\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc628\ud504\ub808\ubbf8\uc2a4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ud5ec\uc2a4\ucf00\uc5b4 \ubd84\uc11d<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc704\ud5d8 \ubd84\uc11d<\/li>\n<li class=\"toc-level-3\">5.3.3 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc11c\ube44\uc2a4<\/li>\n<li class=\"toc-level-3\">5.3.4 \uc2e0\uc6a9 \ud3c9\uac00<\/li>\n<li class=\"toc-level-3\">5.3.5 \uc2e0\uc6d0 \ud655\uc778<\/li>\n<li class=\"toc-level-3\">5.3.6 \uc2e0\uc6a9 \uc704\ud5d8 \ud3c9\uac00<\/li>\n<li class=\"toc-level-3\">5.3.7 \uae30\ud0c0 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.4.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.4.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.4.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.4.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.6 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.4.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ud638\uc8fc \ubc0f \ub274\uc9c8\ub79c\ub4dc<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.4.5.1 \uc911\ub3d9<\/li>\n<li class=\"toc-level-5\">5.4.5.1.1 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-5\">5.4.5.1.2 UAE<\/li>\n<li class=\"toc-level-5\">5.4.5.1.3 \ud280\ub974\ud0a4\uc608<\/li>\n<li class=\"toc-level-5\">5.4.5.1.4 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-4\">5.4.5.2 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-5\">5.4.5.2.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-5\">5.4.5.2.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-5\">5.4.5.2.3 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34, \uc804\ub7b5 \uc815\ubcf4, \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ubc0f SWOT \ubd84\uc11d \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 Fair Isaac Corporation (FICO)<\/li>\n<li class=\"toc-level-3\">6.4.2 Experian plc<\/li>\n<li class=\"toc-level-3\">6.4.3 Equifax Inc<\/li>\n<li class=\"toc-level-3\">6.4.4 TransUnion LLC<\/li>\n<li class=\"toc-level-3\">6.4.5 SAS Institute Inc.<\/li>\n<li class=\"toc-level-3\">6.4.6 International Business Machines Corporation (IBM)<\/li>\n<li class=\"toc-level-3\">6.4.7 Oracle Corporation<\/li>\n<li class=\"toc-level-3\">6.4.8 Moody\u2019s Analytics, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.9 LexisNexis Risk Solutions Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 S&amp;P Global Inc.<\/li>\n<li class=\"toc-level-3\">6.4.11 NICE Actimize Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.12 Zest AI, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.13 Upstart Network, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 Salesforce.com, Inc. (Einstein)<\/li>\n<li class=\"toc-level-3\">6.4.15 ACI Worldwide, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.16 DataRobot, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.17 OneSpan Inc.<\/li>\n<li class=\"toc-level-3\">6.4.18 Temenos AG<\/li>\n<li class=\"toc-level-3\">6.4.19 Finastra Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.20 TransUnion CIBIL Limited<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5\uc740 \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654\uc640 \ub370\uc774\ud130 \uae30\ubc18 \uc758\uc0ac\uacb0\uc815\uc758 \uc911\uc694\uc131 \uc99d\ub300\ub85c \uc778\ud574 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc758 \uc2dc\uc7a5 \uaddc\ubaa8, \uc131\uc7a5 \ub3d9\ub825, \uc81c\uc57d \uc694\uc778, \uc138\uadf8\uba3c\ud2b8\ubcc4 \ubd84\uc11d \ubc0f \uacbd\uc7c1 \ud658\uacbd\uc5d0 \ub300\ud55c \uc0c1\uc138\ud55c \uac1c\uc694\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc608\uce21<br \/>\nMordor Intelligence\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5 \uaddc\ubaa8\ub294 2025\ub144 16\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2030\ub144 30\uc5b5 4\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub418\uba70, \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 12.72%\uc5d0 \ub2ec\ud560 \uac83\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \ub300\ucd9c, \uc0ac\uae30 \ubc29\uc9c0, \ubcf4\ud5d8, \ud5ec\uc2a4\ucf00\uc5b4 \ub4f1 \ub2e4\uc591\ud55c \uc0b0\uc5c5\uc5d0\uc11c \uc54c\uace0\ub9ac\uc998 \uae30\ubc18 \uc758\uc0ac\uacb0\uc815\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \uc2ec\ud654\ub418\uace0 \uaddc\uc81c \uc900\uc218 \uc694\uad6c\uac00 \uc99d\uac00\ud568\uc5d0 \ub530\ub77c \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc2dc\uac04 \ucc98\ub9ac \uc694\uad6c, \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158, \ub300\uccb4 \ub370\uc774\ud130 \ud655\uc0b0\uc774 \uc2dc\uc7a5 \ud655\ub300\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1 \uc6b0\uc704\ub294 \uc774\uc81c \ub2e8\uc21c\ud55c \ubaa8\ub378 \uc815\ud655\ub3c4\ubcf4\ub2e4\ub294 \uc18d\ub3c4, \uc124\uba85 \uac00\ub2a5\uc131, \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 \ud655\uc7a5\uc5d0 \ub2ec\ub824 \uc788\uc73c\uba70, \uc774\ub294 \uae30\uc874 \uae30\uc5c5\uacfc \ubca4\ucc98 \uc9c0\uc6d0 \uc2e0\uc0dd \uae30\uc5c5\uc758 \ud65c\ubc1c\ud55c \ud22c\uc790\ub97c \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc73c\uba70, \ubd81\ubbf8 \uc9c0\uc5ed\uc740 \uac00\uc7a5 \ud070 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\ub825<br \/>\n\uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br \/>\n1.  \ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f \uc989\uc2dc \uacb0\uc81c\uc5d0\uc11c\uc758 \uc2e4\uc2dc\uac04 \uc758\uc0ac\uacb0\uc815 \uc218\uc694 \uac00\uc18d\ud654 (CAGR \uc601\ud5a5: +3.2%): \ub514\uc9c0\ud138 \ucc44\ub110\uc774 \uace0\uac1d \uc0c1\ud638\uc791\uc6a9\uc758 \ub300\ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uba74\uc11c \ub300\ucd9c \uae30\uad00, \ubc1c\ud589\uc0ac \ubc0f \uacb0\uc81c \ucc98\ub9ac \uae30\uad00\uc5d0\uac8c \uc9c0\uc5f0 \uc2dc\uac04\uc740 \ud575\uc2ec \uc9c0\ud45c\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. Algoan\uacfc \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 200\ubc00\ub9ac\ucd08 \ubbf8\ub9cc\uc758 \uc2e0\uc6a9 \uacb0\uc815\uc744 \uc81c\uacf5\ud558\uc5ec \uc751\ub2f5 \uc2dc\uac04\uc774 500\ubc00\ub9ac\ucd08 \uc784\uacc4\uac12 \uc544\ub798\ub85c \ub5a8\uc5b4\uc9c8 \ub54c 15-25% \ub354 \ub192\uc740 \uc804\ud658\uc728\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \ub300\ucd9c \uc2e4\ud589\ub7c9\uc744 \uc9c1\uc811\uc801\uc73c\ub85c \uc99d\uac00\uc2dc\ud0a4\uace0 \ud310\ub9e4 \uc2dc\uc810 \uae08\uc735\uc5d0\uc11c \uc7a5\ubc14\uad6c\ub2c8 \ud3ec\uae30\ub97c \uc904\uc785\ub2c8\ub2e4. GDS Link\uac00 \uc5f0\uac04 10\uc5b5 \uac74 \uc774\uc0c1\uc758 \uc2e4\uc2dc\uac04 \ub300\ucd9c \uacb0\uc815\uc744 \ucc98\ub9ac\ud558\ub294 \uc544\uc2dc\uc544\uc758 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uc0dd\ud0dc\uacc4\ub294 \uc774\ub7ec\ud55c \ud6a8\uacfc\ub97c \uc798 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n2.  \uace0\uae09 \uc704\ud5d8 \ubc0f \uaddc\uc81c \uc900\uc218 \uc2a4\ucf54\uc5b4\ub9c1\uc744 \uc704\ud55c \uaddc\uc81c \uc758\ubb34 (CAGR \uc601\ud5a5: +2.8%): \ubc14\uc824 IV, \uc9c4\ud654\ud558\ub294 AML \uc9c0\uce68, \uc720\ub7fd \uc5f0\ud569 AI \ubc95\uc548 \ub4f1\uc740 \ubaa8\ub378 \uac70\ubc84\ub10c\uc2a4\uc758 \ud5c8\uc6a9 \uae30\uc900\uc744 \uc7ac\uc815\uc758\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \uc124\uba85 \uac00\ub2a5\uc131, \ud3b8\ud5a5 \uc81c\uc5b4 \ubc0f \uc9c0\uc18d\uc801\uc778 \uac80\uc99d\uc744 \uc785\uc99d\ud574\uc57c \ud558\uba70, \uc774\ub294 \ud574\uc11d \uac00\ub2a5\ud55c \ud1b5\uacc4\uc640 \uba38\uc2e0\ub7ec\ub2dd \ucd9c\ub825\uc744 \uacb0\ud569\ud55c \ud558\uc774\ube0c\ub9ac\ub4dc \uc2a4\ucf54\uc5b4\ub9c1 \uc544\ud0a4\ud14d\ucc98\uc5d0 \ub300\ud55c \uc9c0\ucd9c\uc744 \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2024\ub144 \uc774\ud6c4 \uaddc\uc81c \uc900\uc218 \uc9c0\ucd9c\uc740 60% \uc99d\uac00\ud588\uc73c\uba70, LexisNexis Risk Solutions\uc758 IDVerse \uc778\uc218\ub294 \uc774\ub7ec\ud55c \uaddc\uc81c \uc900\uc218 \uc2a4\ud0dd \uac15\ud654\uc758 \uc608\uc2dc\uc785\ub2c8\ub2e4.<br \/>\n3.  \ub300\uccb4 \ub370\uc774\ud130 \ud65c\uc6a9\uc758 \uae09\uc99d (CAGR \uc601\ud5a5: +2.1%): \uacf5\uacfc\uae08 \ub0a9\ubd80 \uc774\ub825, \ud154\ub808\ub9e4\ud2f1\uc2a4 \ud53c\ub4dc, \uc18c\uc15c \uc2e0\ud638 \ub4f1\uc740 \ud2b9\ud788 \uc2e0\uc6a9 \uae30\ub85d\uc774 \ubd80\uc871\ud55c \uc18c\ube44\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc804\ud1b5\uc801\uc778 \uc2e0\uc6a9 \uae30\uad00 \ub370\uc774\ud130\uc5d0 \ud544\uc801\ud558\ub294 \uc608\uce21\ub825\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4. El Camino Hospital\uc740 \ud658\uc790 \uc704\ud5d8 \uc810\uc218\uc5d0 \uc0ac\ud68c\uc801 \uac74\uac15 \uacb0\uc815 \uc694\uc778 \ub370\uc774\ud130\ub97c \ucd94\uac00\ud55c \ud6c4 \uc7ac\uc785\uc6d0 \uc608\uce21 \uc815\ud655\ub3c4\uac00 23% \ud5a5\uc0c1\ub418\uc5c8\ub2e4\uace0 \ubcf4\uace0\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n4.  \uc790\uae30 \ud559\uc2b5 \ubaa8\ub378\uc5d0\uc11c AI \ubc0f \uba38\uc2e0\ub7ec\ub2dd\uc758 \ud655\uc0b0 (CAGR \uc601\ud5a5: +1.9%): \uc9c0\uc18d\uc801\uc778 \ud559\uc2b5 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ub178\ub3d9 \uc9d1\uc57d\uc801\uc778 \uc7ac\ud6c8\ub828 \uc5c6\uc774 \uc0c8\ub85c\uc6b4 \ud328\ud134\uc5d0 \uc801\uc751\ud558\uc5ec \ubaa8\ub378 \ub178\ud6c4\ud654\ub97c \uc644\ud654\ud569\ub2c8\ub2e4. \ub525\ub7ec\ub2dd\uc740 \ube44\uc815\ud615 \uc785\ub825\uc5d0 \ud0c1\uc6d4\ud558\uc5ec \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4\uc774 \ubb38\uc11c \uc774\ubbf8\uc9c0 \ubc0f \uc18c\uc15c \ubbf8\ub514\uc5b4 \uac10\uc815\uc744 \ucd5c\uc18c\ud55c\uc758 \uc778\uac04 \uac1c\uc785\uc73c\ub85c \ubd84\uc11d\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. Zest AI\uc758 2024\ub144 12\uc6d4 2\uc5b5 \ub2ec\ub7ec \uc790\uae08 \uc870\ub2ec\uc740 AI \uae30\ubc18 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \ud22c\uc790\uc790\ub4e4\uc758 \uc5f4\uc815\uc744 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n5.  API \uae30\ubc18 \uc11c\ube44\uc2a4\ud615 \uc2a4\ucf54\uc5b4\ub9c1\uc744 \ud1b5\ud55c \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud30c\ud2b8\ub108\uc2ed (CAGR \uc601\ud5a5: +1.7%)<br \/>\n6.  \uc790\ub3d9\ud654\ub41c \uc5b8\ub354\ub77c\uc774\ud305 \ubc0f \uc0ac\uae30 \ud0d0\uc9c0\ub97c \ud1b5\ud55c \uc6b4\uc601 \ud6a8\uc728\uc131 \uc9d1\uc911 (CAGR \uc601\ud5a5: +1.1%)<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778<br \/>\n\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc8fc\uc694 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br \/>\n1.  GDPR, CCPA \ubc0f \uc720\uc0ac \uaddc\uc815\uc5d0 \ub530\ub978 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \ubcf4\uc548 \ubb38\uc81c (CAGR \uc601\ud5a5: -1.8%): \uc9c0\uc5ed\ubcc4 \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uce59\uc740 \uae00\ub85c\ubc8c \ubc30\ud3ec\ub97c \ubd84\uc5f4\uc2dc\ud0a4\uace0 \uaddc\uc81c \uc900\uc218 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. Experian\uc740 2024 \ud68c\uacc4\uc5f0\ub3c4\uc5d0\ub9cc \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uad00\ub828 \ud22c\uc790\uc5d0 4,500\ub9cc \uc720\ub85c\ub97c \uc9c0\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \uad6d\uacbd \uac04 \ub370\uc774\ud130 \uc804\uc1a1 \uc81c\ud55c\uc740 \ubca4\ub354\uac00 \uc720\ub7fd\uacfc \ubd81\ubbf8\uc5d0\uc11c \ubcc4\ub3c4\uc758 \uc778\uc2a4\ud134\uc2a4\ub97c \uc6b4\uc601\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uc5ec \uaddc\ubaa8\uc758 \uacbd\uc81c\ub97c \uc57d\ud654\uc2dc\ud0b5\ub2c8\ub2e4.<br \/>\n2.  \uc124\uba85 \uac00\ub2a5\ud55c AI \ubc0f \uac10\uc0ac \uc694\uad6c \uc0ac\ud56d\uc744 \uc218\ubc18\ud558\ub294 \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5 \ubc0f \uc724\ub9ac\uc801 \uacfc\uc81c (CAGR \uc601\ud5a5: -1.4%): \uacf5\uc815 \ub300\ucd9c \uc9d1\ud589 \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638 \uc18c\uc1a1\uc740 \uaddc\uc81c \ubbf8\uc900\uc218\uc758 \ub300\uac00\ub97c \uc99d\uac00\uc2dc\ud0b5\ub2c8\ub2e4. \uacf5\uc815\uc131 \ud14c\uc2a4\ud2b8\ub97c \uc218\uc6a9\ud558\uae30 \uc704\ud574 \uac1c\ubc1c \uc77c\uc815\uc774 10-15% \ub298\uc5b4\ub098\uba70, \ub3c5\ub9bd \uac10\uc0ac\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\ub294 \ucd94\uac00 \uac04\uc811\ube44\ub97c \uac10\ub2f9\ud560 \uc218 \uc788\ub294 \uc790\ubcf8\ub825\uc774 \ud48d\ubd80\ud55c \uacf5\uae09\uc5c5\uccb4\uc5d0 \uc720\ub9ac\ud569\ub2c8\ub2e4. \uc5f0\ubc29\uac70\ub798\uc704\uc6d0\ud68c(FTC)\uc758 2024\ub144 AI \uae30\ubc18 \ub300\ucd9c \uae30\uad00\uc5d0 \ub300\ud55c \uc9d1\ud589 \uc870\uce58\ub294 \ud3c9\ud310 \ubc0f \uae08\uc804\uc801 \uc704\ud5d8\uc744 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n3.  \ubaa8\ub180\ub9ac\uc2dd \ucf54\uc5b4 \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569 \ubcf5\uc7a1\uc131 (CAGR \uc601\ud5a5: -1.1%)<br \/>\n4.  \uc774\uc9c8\uc801\uc778 \uc18c\uc2a4 \uc804\ubc18\uc758 \ub370\uc774\ud130 \ud488\uc9c8 \ubc0f \ud45c\uc900\ud654 \ubb38\uc81c (CAGR \uc601\ud5a5: -0.9%)<\/p>\n<p>\uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<br \/>\n1.  \uad6c\uc131 \uc694\uc18c\ubcc4: \uc194\ub8e8\uc158\uc740 2024\ub144 \uc804\uccb4 \uc218\uc775\uc758 61.06%\ub97c \ucc28\uc9c0\ud558\uba70 \uc2dc\uc7a5\uc758 \uc911\ucd94\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \uc11c\ube44\uc2a4\ub294 2030\ub144\uae4c\uc9c0 15.22%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uae30\uc5c5\ub4e4\uc774 \ub9de\ucda4\ud654, \ubaa8\ub378 \uc778\uc99d \ubc0f \uc9c0\uc18d\uc801\uc778 \ucd5c\uc801\ud654\ub97c \ucd94\uad6c\ud568\uc5d0 \ub530\ub77c \uc11c\ube44\uc2a4 \ubd80\ubb38\uc774 \ud655\ub300\ub418\uace0 \uc788\uc73c\uba70, FICO\uc758 2024\ub144 3\ubd84\uae30 B2B \uc2a4\ucf54\uc5b4\ub9c1 \uc11c\ube44\uc2a4 27% \uc99d\uac00\ub294 \uc774\ub7ec\ud55c \ucd94\uc138\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<br \/>\n2.  \ubc30\ud3ec \ubaa8\ub378\ubcc4: \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ubc30\ud3ec\ub294 2024\ub144 \uc218\uc775\uc758 56.15%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 2030\ub144\uae4c\uc9c0 16.69%\uc758 CAGR\uc744 \ud1b5\ud574 \uc120\ub450\ub97c \ub354\uc6b1 \ud655\ub300\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uae30\uad00\ub4e4\uc740 \ud074\ub77c\uc6b0\ub4dc \uc804\ud658 \ud6c4 30-40%\uc758 \uc778\ud504\ub77c \uc808\uac10\uacfc \ube60\ub978 \ubaa8\ub378 \ubc18\ubcf5\uc744 \ubcf4\uace0\ud569\ub2c8\ub2e4. Equifax\uac00 \uc218\uc775\uc758 85%\ub97c EFX \ud074\ub77c\uc6b0\ub4dc\ub85c \ub9c8\uc774\uadf8\ub808\uc774\uc158\ud55c \uac83\uc774 \uadf8 \uc608\uc2dc\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc815\ubd80 \ubc0f \ud5ec\uc2a4\ucf00\uc5b4\uc640 \uac19\uc774 \uace0\ub3c4\ub85c \uaddc\uc81c\ub418\ub294 \ubd80\ubb38\uc5d0\uc11c\ub294 \ubcf4\uc548 \uc758\ubb34\ub85c \uc778\ud574 \uc628\ud504\ub808\ubbf8\uc2a4 \uc2dc\uc2a4\ud15c\uc744 \uace0\uc218\ud558\ub294 \uacbd\ud5a5\uc774 \uc788\uc73c\uba70, \ubbfc\uac10\ud55c \ub370\uc774\ud130\ub294 \ub85c\uceec\uc5d0 \uc720\uc9c0\ud558\uba74\uc11c \ud074\ub77c\uc6b0\ub4dc\uc5d0\uc11c \ubaa8\ub378 \ud6c8\ub828\uc744 \ucc98\ub9ac\ud558\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uc544\ud0a4\ud14d\ucc98\uac00 \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n3.  \uc560\ud50c\ub9ac\ucf00\uc774\uc158\ubcc4: \uc2e0\uc6a9 \uc2a4\ucf54\uc5b4\ub9c1\uc740 2024\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 25.44%\ub97c \uc720\uc9c0\ud558\uba70 \ub300\ud45c\uc801\uc778 \uc0ac\uc6a9 \uc0ac\ub840\ub85c\uc11c\uc758 \uc9c0\uc704\ub97c \uc9c0\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc11c\ube44\uc2a4\ub294 \uc5f0\uac04 200\uc5b5 \ub2ec\ub7ec\ub97c \ucd08\uacfc\ud558\ub294 \ud569\uc131 \uc0ac\uae30 \uc190\uc2e4\ub85c \uc778\ud574 16.06%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70 \uc218\uc775 \uc9d1\uc911\ub3c4\ub97c \uc7a0\uc2dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. TrustDecision\uc758 KYC++ \ud50c\ub7ab\ud3fc\uc740 1\ucd08 \uc774\ub0b4\uc5d0 95% \uc774\uc0c1\uc758 \ubb38\uc11c \ud655\uc778 \uc815\ud655\ub3c4\ub97c \ub2ec\uc131\ud558\uc5ec \uc0dd\uccb4 \uc778\uc2dd \uc735\ud569\uc774 \uc18d\ub3c4\uc640 \ubcf4\uc548\uc744 \ubaa8\ub450 \ud5a5\uc0c1\uc2dc\ud0a4\ub294 \ubc29\ubc95\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc704\ud5d8 \ubd84\uc11d \ubc0f \ud5ec\uc2a4\ucf00\uc5b4 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\ub3c4 \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uba70, \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4\uc758 \ub2e4\uac01\ud654\uac00 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed \ubd84\uc11d<br \/>\n1.  \ubd81\ubbf8: 2024\ub144 \uc2dc\uc7a5 \uac00\uce58\uc758 37.41%\ub97c \ucc28\uc9c0\ud558\uba70 \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ud070 \uc9c0\uc5ed \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc11c\ube44\uc2a4 \uae30\uc5c5\ub4e4\uc740 \uc131\uc7a5\uacfc \uac15\ud654\ub41c \uacf5\uc815 \ub300\ucd9c \uac10\ub3c5\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uae30 \uc704\ud574 \uc9c0\uc18d\uc801\uc778 \ubaa8\ub378 \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc218\ud589\ud558\uba70, FICO\uc758 \uc9c0\ub09c 12\uac1c\uc6d4\uac04 \uc218\uc775\uc740 \uc804\ub144 \ub300\ube44 14.72% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n2.  \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2030\ub144\uae4c\uc9c0 15.61%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uc911\uc2ec \uc18c\ube44\uc790, \uad11\ubc94\uc704\ud55c \uc2e4\uc2dc\uac04 \uacb0\uc81c, \uc0cc\ub4dc\ubc15\uc2a4\ud615 \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ub192\uc740 \uc0dd\ud0dc\uacc4\ub97c \ud65c\uc131\ud654\ud569\ub2c8\ub2e4. AltScore\uc758 850\ub9cc \ub2ec\ub7ec \uc2dc\ub9ac\uc988 A \uc790\uae08 \uc870\ub2ec\uc740 \uc2e0\ud765 \uc2dc\uc7a5 \uc2e0\uc6a9 \uc778\ud504\ub77c\uc5d0 \ub300\ud55c \uae00\ub85c\ubc8c \ud22c\uc790\uc790\ub4e4\uc758 \uc2e0\ub8b0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n3.  \uc720\ub7fd: GDPR \ubc0f \uace7 \uc2dc\ud589\ub420 AI \ubc95\uc548\uc73c\ub85c \uc778\ud574 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ubc0f \uc124\uba85 \uac00\ub2a5\uc131\uc774 \ucd5c\uc6b0\uc120 \uacfc\uc81c\uac00 \ub418\ub294 \ubcf5\ud569\uc801\uc778 \uc591\uc0c1\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uacf5\uae09\uc5c5\uccb4\ub294 \uc989\uc2dc \uaddc\uc81c \uc900\uc218\ub97c \uc785\uc99d\ud568\uc73c\ub85c\uc368 \uacc4\uc57d\uc744 \ub530\ub0b4\uba70, \uc774\ub294 \ubc95\uc801 \ubcf5\uc7a1\uc131\uc744 \uacbd\uc7c1 \uc6b0\uc704\ub85c \uc804\ud658\uc2dc\ud0b5\ub2c8\ub2e4. \uc624\ud508 \ubc45\ud0b9 \uc774\ub2c8\uc154\ud2f0\ube0c\ub294 \ud604\uc9c0 \ud540\ud14c\ud06c \uae30\uc5c5\uc774 \uc138\ubd84\ud654\ub41c \uac70\ub798 \ub370\uc774\ud130\uc5d0 \uc811\uadfc\ud558\ub294 \ub370 \uc774\uc810\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uad6d\uacbd \uac04 \ub370\uc774\ud130 \uc804\uc1a1 \uaddc\uce59\uc740 \uc5ec\uc804\ud788 \ub2e4\uad6d\uc801 \ubc30\ud3ec\ub97c \ubc29\ud574\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd<br \/>\n\uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc785\ub2c8\ub2e4. FICO, Experian, TransUnion, SAS Institute\uc640 \uac19\uc740 \ub370\uc774\ud130 \uac70\ub300 \uae30\uc5c5\ub4e4\uc740 \ub3c5\uc810\uc801\uc778 \ub370\uc774\ud130 \uc800\uc7a5\uc18c\uc640 \uc624\ub79c \uaddc\uc81c \uad00\uacc4\ub97c \ud65c\uc6a9\ud558\uc5ec \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. FICO\ub294 2025\ub144 1\ubd84\uae30\uc5d0 \ud50c\ub7ab\ud3fc ARR(\uc5f0\uac04 \ubc18\ubcf5 \uc218\uc775)\uc774 20% \uc131\uc7a5\ud558\uc5ec \uae30\uc874 \uace0\uac1d \uae30\ubc18 \ub0b4\uc5d0\uc11c\uc758 \ub192\uc740 \uace0\ucc29\ub3c4\ub97c \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc740 \uae30\uc220\uc801 \uc7a5\ubcbd\uc744 \ub0ae\ucdb0 Worth AI\uc640 \uac19\uc740 AI \uae30\ubc18 \uc2e0\uc0dd \uae30\uc5c5\uc774 \ube60\ub978 \ubc30\ud3ec \ubc0f \ud3ec\uad04\uc801\uc778 \uc5b8\ub354\ub77c\uc774\ud305 \ubaa8\ub378\uc744 \ud1b5\ud574 \ucc28\ubcc4\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc804\ub7b5\uc801 \ucd08\uc810\uc740 \ub300\uccb4 \ub370\uc774\ud130 \uc628\ubcf4\ub529, \ud3b8\ud5a5 \uc644\ud654 \ubc0f \ubaa8\ub378 \uac70\ubc84\ub10c\uc2a4 \ud234\ud0b7\uc73c\ub85c \uc774\ub3d9\ud588\uc2b5\ub2c8\ub2e4. \ubca4\ub354\ub4e4\uc740 \ub4dc\ub9ac\ud504\ud2b8\ub97c \uac10\uc9c0\ud558\uace0 \uacf5\uc815\uc131 \ud3b8\ucc28\ub97c \ud45c\uc2dc\ud558\ub294 \ubaa8\ub2c8\ud130\ub9c1 \ub300\uc2dc\ubcf4\ub4dc\ub97c \ucd94\uac00\ud558\uc5ec \uaddc\uc81c \uc900\uc218\ub97c \uc0ac\ud6c4 \uace0\ub824 \uc0ac\ud56d\uc774 \uc544\ub2cc \uc81c\ud488 \uae30\ub2a5\uc73c\ub85c \ub0b4\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Oscilar\uc640 Spade\uc758 \uc81c\ud734\uc640 \uac19\uc774 \ud30c\ud2b8\ub108\uc2ed\ub3c4 \ud655\uc0b0\ub418\uc5b4 \ud50c\ub7ab\ud3fc \ub3c4\ub2ec \ubc94\uc704\ub97c \ud655\uc7a5\ud569\ub2c8\ub2e4. Zest AI\uc758 2\uc5b5 \ub2ec\ub7ec \uc790\uae08 \uc870\ub2ec \ub77c\uc6b4\ub4dc\uc640 Insight Partners\uc758 \uc9c0\uc6d0\uc740 AI \uae30\ubc18 \uc2a4\ucf54\uc5b4\ub9c1\uc774 \uc815\uc801 \uaddc\uce59 \uc5d4\uc9c4\uc73c\ub85c\ubd80\ud130 \uc9c0\uc18d\uc801\uc778 \uc810\uc720\uc728\uc744 \ud655\ubcf4\ud560 \uac83\uc774\ub77c\ub294 \ud22c\uc790\uc790\ub4e4\uc758 \ud655\uc2e0\uc744 \uc785\uc99d\ud569\ub2c8\ub2e4. \ub3d9\uc2dc\uc5d0 \uae30\uc874 \uae30\uc5c5\uc758 \ud2c8\uc0c8 \uaddc\uc81c \uc900\uc218 \ub610\ub294 \uc2e0\uc6d0 \ud655\uc778 \ud50c\ub808\uc774\uc5b4 \uc778\uc218\ub294 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uaca9\ucc28\ub97c \uba54\uc6b0\uae30 \uc704\ud55c \ud1b5\ud569 \ubb3c\uacb0\uc744 \ub098\ud0c0\ub0c5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<br \/>\n*   2025\ub144 3\uc6d4: MeridianLink\uc640 TruStage\uc758 \ud1b5\ud569\uc73c\ub85c \ub300\ucd9c \uc2e4\ud589 \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ub0b4\uc5d0\uc11c 47%\uc758 \ub178\ucd9c-\ub9ac\ub4dc \uc804\ud658\uc728\uacfc 140\ub9cc \uac74\uc758 \ubcf4\ud5d8 \ub178\ucd9c\uc774 \ucc98\ub9ac\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 2\uc6d4: FICO\ub294 \ubd84\uae30\ubcc4 \uc218\uc775 4\uc5b5 4\ucc9c\ub9cc \ub2ec\ub7ec\ub97c \ubcf4\uace0\ud588\uc73c\uba70, \uc774\ub294 B2B \uc2a4\ucf54\uc5b4\ub9c1 23% \uc131\uc7a5\uc5d0 \ud798\uc785\uc5b4 \uc804\ub144 \ub300\ube44 15% \uc99d\uac00\ud55c \uc218\uce58\uc785\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: Experian\uc740 2025 \ud68c\uacc4\uc5f0\ub3c4 3\ubd84\uae30\uc5d0 \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc774 \uc9c0\uc18d\ub418\uba74\uc11c 8%\uc758 \ubd88\ubcc0 \ud1b5\ud654 \uc218\uc775 \uc131\uc7a5\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 12\uc6d4: Zest AI\ub294 Insight Partners\uac00 \uc8fc\ub3c4\ud558\ub294 2\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc790\uae08 \uc870\ub2ec \ub77c\uc6b4\ub4dc\ub97c \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uae00\ub85c\ubc8c \uc2a4\ucf54\uc5b4\ub9c1 \uc5d4\uc9c4 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. 2025\ub144 \uae30\uc900 16.7\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \ud3c9\uac00\ub418\ub294 \uc774 \uc2dc\uc7a5\uc740 2030\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 12.72%\uc758 \uacac\uace0\ud55c \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c\ub294 \ub514\uc9c0\ud138 \uc628\ubcf4\ub529 \ubc0f \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uc2e4\uc2dc\uac04 \uc758\uc0ac\uacb0\uc815\uc5d0 \ub300\ud55c \uc218\uc694 \uac00\uc18d\ud654, \ubc14\uc824 IV, AML, GDPR \ub4f1 \uaddc\uc81c \uc758\ubb34 \uc900\uc218\ub97c \uc704\ud55c \uace0\uae09 \ub9ac\uc2a4\ud06c \ubc0f \uaddc\uc81c \uc900\uc218 \uc2a4\ucf54\uc5b4\ub9c1\uc758 \ud544\uc694\uc131 \uc99d\ub300, \uacf5\uacfc\uae08 \ub0a9\ubd80 \ub0b4\uc5ed, \uc18c\uc15c \uc2e0\ud638, \ud154\ub808\ub9e4\ud2f1\uc2a4 \ub4f1 \ub300\uccb4 \ub370\uc774\ud130 \ud65c\uc6a9\uc758 \uae09\uc99d, \ub3d9\uc801\uc774\uace0 \uc790\uccb4 \ud559\uc2b5 \uac00\ub2a5\ud55c \uc2a4\ucf54\uc5b4\ub9c1 \ubaa8\ub378\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 AI\/ML \uae30\uc220\uc758 \ud655\uc0b0, API \uae30\ubc18 &#8216;\uc11c\ube44\uc2a4\ud615 \uc2a4\ucf54\uc5b4\ub9c1(Scoring-as-a-Service)&#8217;\uc744 \ud1b5\ud55c \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ubc0f \uc0dd\ud0dc\uacc4 \ud30c\ud2b8\ub108\uc2ed \uac15\ud654, \uadf8\ub9ac\uace0 \uc790\ub3d9\ud654\ub41c \uc5b8\ub354\ub77c\uc774\ud305 \ubc0f \uc0ac\uae30 \ud0d0\uc9c0\ub97c \ud1b5\ud55c \uc6b4\uc601 \ud6a8\uc728\uc131 \ubc0f \ube44\uc6a9 \uc808\uac10 \ub178\ub825\uc774 \uaf3d\ud799\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 GDPR, CCPA \ub4f1 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \ubcf4\uc548 \ubb38\uc81c, \uc124\uba85 \uac00\ub2a5\ud55c AI(Explainable AI) \ubc0f \ubaa8\ub378 \uac10\uc0ac \uc694\uad6c\uc0ac\ud56d\uc744 \uc218\ubc18\ud558\ub294 \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5 \ubc0f \uc724\ub9ac\uc801 \uacfc\uc81c, \ubaa8\ub180\ub9ac\uc2dd \ud575\uc2ec \ubc45\ud0b9 \ubc0f \uc815\ucc45 \ud50c\ub7ab\ud3fc\uacfc\uc758 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569 \ubcf5\uc7a1\uc131, \uadf8\ub9ac\uace0 \uc774\uc9c8\uc801\uc778 \uc815\ud615 \ubc0f \ube44\uc815\ud615 \ub370\uc774\ud130 \uc18c\uc2a4 \uc804\ubc18\uc5d0 \uac78\uce5c \ub370\uc774\ud130 \ud488\uc9c8 \ubc0f \ud45c\uc900\ud654 \ubb38\uc81c\uac00 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc138\ubd80 \uc2dc\uc7a5 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \uad6c\uc131 \uc694\uc18c\ubcc4\ub85c\ub294 \ubaa8\ub378 \uac1c\ubc1c \ucee8\uc124\ud305 \ubc0f \uc720\uc9c0\ubcf4\uc218\/\uc9c0\uc6d0 \ub4f1\uc744 \ud3ec\ud568\ud558\ub294 \uc11c\ube44\uc2a4 \ubd80\ubb38\uc774 15.22%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \ud655\uc7a5\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \uc870\uc9c1\ub4e4\uc774 \ubaa8\ub378 \ub9de\ucda4\ud654, \ud3b8\ud5a5 \uc644\ud654, \uaddc\uc81c \uc900\uc218 \uc9c0\uc6d0\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ubaa8\uc0c9\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ubc30\ud3ec \ubaa8\ub378 \uce21\uba74\uc5d0\uc11c\ub294 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc194\ub8e8\uc158\uc774 \uc778\ud504\ub77c \ube44\uc6a9 30~40% \uc808\uac10 \ubc0f \uc800\uc9c0\uc5f0 \uc758\uc0ac\uacb0\uc815 \uc9c0\uc6d0\uc758 \uc774\uc810\uc744 \ubc14\ud0d5\uc73c\ub85c 16.69%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \ubcf4\uc774\uba70 \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ubd84\uc57c\uc5d0\uc11c\ub294 \uc2e0\uc6a9 \ud3c9\uac00\ub97c \ub118\uc5b4\uc120 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc11c\ube44\uc2a4\uac00 \ud569\uc131 \uc0ac\uae30 \uc99d\uac00 \ubc0f KYC(\uace0\uac1d \uc54c\uae30 \uc81c\ub3c4) \uc694\uac74 \uac15\ud654\uc5d0 \ud798\uc785\uc5b4 16.06%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \ubaa8\ubc14\uc77c \uc6b0\uc120 \ubc45\ud0b9 \ud658\uacbd\uacfc \uc9c0\uc6d0\uc801\uc778 \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\uc5d0 \ud798\uc785\uc5b4 15.61%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub978 \ucc44\ud0dd\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd\uc5d0\uc11c\ub294 Fair Isaac Corporation (FICO), Experian plc, Equifax Inc, TransUnion LLC, SAS Institute Inc., IBM, Oracle \ub4f1 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc774 \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud604\uc7ac \uacf5\uae09\uc5c5\uccb4 \uac04\uc758 \uacbd\uc7c1 \uc6b0\uc704\ub294 \ub300\uccb4 \ub370\uc774\ud130 \ud1b5\ud569, \uc124\uba85 \uac00\ub2a5\ud55c AI \ud504\ub808\uc784\uc6cc\ud06c, \uadf8\ub9ac\uace0 \uc790\ub3d9\ud654\ub41c \uaddc\uc81c \uc900\uc218 \ub3c4\uad6c\uc758 \uc81c\uacf5 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uacb0\uc815\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub610\ud55c \uc2dc\uc7a5\uc758 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd, \ubbf8\ucda9\uc871 \uc218\uc694\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud3ec\ud568\ud558\uc5ec, \uc774\ud574\uad00\uacc4\uc790\ub4e4\uc774 \uc804\ub7b5\uc801 \uc758\uc0ac\uacb0\uc815\uc744 \ub0b4\ub9ac\ub294 \ub370 \ud544\uc694\ud55c \ud3ec\uad04\uc801\uc778 \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-32616","post","type-post","status-publish","format-standard","hentry","category-market-reports"],"_links":{"self":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/32616"}],"collection":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/comments?post=32616"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/32616\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=32616"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=32616"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=32616"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}