{"id":33712,"date":"2026-02-10T00:49:49","date_gmt":"2026-02-10T00:49:49","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/digital-payments-market-mordor\/"},"modified":"2026-09-11T02:10:33","modified_gmt":"2026-09-10T17:10:33","slug":"digital-payments-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/digital-payments-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/digital-payments-market_1598874236752_Picture11.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\/digital-payments-market-size-image-1768974611601.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 \ud658\uacbd<\/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 \ub3d9\ub0a8\uc544\uc2dc\uc544 \uc804\uc5ed\uc758 QR \ucf54\ub4dc \uacb0\uc81c \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.2 \uc628\ub77c\uc778 \ubcf4\uc548\uc744 \uac15\ud654\ud558\ub294 EU \ud1a0\ud070\ud654 \uc758\ubb34<\/li>\n<li class=\"toc-level-3\">4.2.3 \ub0a8\ubbf8\uc5d0\uc11c APM\uc5d0 \ub300\ud55c \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uc218\uc694<\/li>\n<li class=\"toc-level-3\">4.2.4 GCC\uc758 \uc989\uc2dc \uae09\uc5ec \uc9c0\uae09 \uc81c\ub3c4<\/li>\n<li class=\"toc-level-3\">4.2.5 \uc911\uc18c\uae30\uc5c5 \uc2e0\uc6a9 \ud3c9\uac00\ub97c \uac00\ub2a5\ud558\uac8c \ud558\ub294 ISO 20022 \ub370\uc774\ud130 \ud48d\ubd80 \uba54\uc2dc\uc9d5<\/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 \uce74\ub9ac\ube0c\ud574\uc758 \ubd84\uc0b0\ub41c KYC \uaddc\uc815<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc911\uacac \uc0c1\uc778\uc758 CNP \uc0ac\uae30 \ube44\uc6a9 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.3.3 \ube14\ub85d\uccb4\uc778 \uacb0\uc81c \uacc4\uce35\uc758 \ud0c4\uc18c \ubc1c\uc790\uad6d \uc870\uc0ac<\/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 \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ub514\uc9c0\ud138 \uacb0\uc81c \uc778\ud504\ub77c \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.8 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.8.1 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.8.2 \uc18c\ube44\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.8.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.8.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.8.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.9 \uac70\uc2dc \uacbd\uc81c \ub3d9\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 \uacb0\uc81c \ubc29\uc2dd\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \ud310\ub9e4 \uc2dc\uc810 \uad00\ub9ac (POS)<\/li>\n<li class=\"toc-level-4\">5.1.1.1 \uce74\ub4dc \ub808\uc77c<\/li>\n<li class=\"toc-level-4\">5.1.1.2 \uacc4\uc88c \uac04 \/ \uc989\uc2dc<\/li>\n<li class=\"toc-level-4\">5.1.1.3 \ub514\uc9c0\ud138 \uc9c0\uac11 \/ QR<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc628\ub77c\uc778 \/ \uc6d0\uaca9 \uacb0\uc81c<\/li>\n<li class=\"toc-level-4\">5.1.2.1 \uce74\ub4dc \ubbf8\uc81c\uc2dc (CNP)<\/li>\n<li class=\"toc-level-4\">5.1.2.2 \uc740\ud589 \uacb0\uc81c<\/li>\n<li class=\"toc-level-4\">5.1.2.3 \ub514\uc9c0\ud138 \uc9c0\uac11<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \uad6c\uc131 \uc694\uc18c\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc194\ub8e8\uc158<\/li>\n<li class=\"toc-level-4\">5.2.1.1 \uac8c\uc774\ud2b8\uc6e8\uc774 \ubc0f \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158<\/li>\n<li class=\"toc-level-4\">5.2.1.2 \ucc98\ub9ac \ubc0f \uc804\ud658<\/li>\n<li class=\"toc-level-4\">5.2.1.3 \ub514\uc9c0\ud138 \uc9c0\uac11 \ud50c\ub7ab\ud3fc<\/li>\n<li class=\"toc-level-4\">5.2.1.4 \uc0ac\uae30 \ubc0f \uc704\ud5d8 \uc5d4\uc9c4<\/li>\n<li class=\"toc-level-4\">5.2.1.5 \uae30\ud0c0 \uc804\ubb38 \ubaa8\ub4c8<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc11c\ube44\uc2a4<\/li>\n<li class=\"toc-level-4\">5.2.2.1 \ucee8\uc124\ud305 \ubc0f \ud1b5\ud569<\/li>\n<li class=\"toc-level-4\">5.2.2.2 \uad00\ub9ac\ud615 \uc9c0\uc6d0 \ubc0f \uc815\uc0b0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uae30\uc5c5 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ub300\uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc911\uc18c\uae30\uc5c5 (SMEs)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798<\/li>\n<li class=\"toc-level-3\">5.4.2 \ubbf8\ub514\uc5b4 \ubc0f \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8<\/li>\n<li class=\"toc-level-3\">5.4.3 \ud5ec\uc2a4\ucf00\uc5b4<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc219\ubc15 \ubc0f \uc5ec\ud589<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc815\ubd80, \uad50\uc721 \ubc0f \uacf5\uacf5 \uc11c\ube44\uc2a4<\/li>\n<li class=\"toc-level-3\">5.4.6 \uae30\ud0c0 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \uc544\uc138\uc548<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc911\ub3d9<\/li>\n<li class=\"toc-level-5\">5.5.5.1.1 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-5\">5.5.5.1.2 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-5\">5.5.5.1.3 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-5\">5.5.5.2.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-5\">5.5.5.2.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-5\">5.5.5.2.3 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/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 \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc0ac\uc6a9 \uac00\ub2a5\ud55c \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 PayPal Holdings Inc.<\/li>\n<li class=\"toc-level-3\">6.4.2 Visa Inc.<\/li>\n<li class=\"toc-level-3\">6.4.3 Mastercard Incorporated (Mastercard)<\/li>\n<li class=\"toc-level-3\">6.4.4 Amazon Pay (Amazon.com Inc.)<\/li>\n<li class=\"toc-level-3\">6.4.5 Google Pay (Alphabet Inc.)<\/li>\n<li class=\"toc-level-3\">6.4.6 Apple Pay (Apple Inc.)<\/li>\n<li class=\"toc-level-3\">6.4.7 Stripe Inc.<\/li>\n<li class=\"toc-level-3\">6.4.8 Adyen N.V.<\/li>\n<li class=\"toc-level-3\">6.4.9 Fiserv Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 FIS Inc. (Worldpay)<\/li>\n<li class=\"toc-level-3\">6.4.11 Block Inc. (Square and Cash App)<\/li>\n<li class=\"toc-level-3\">6.4.12 ACI Worldwide Inc.<\/li>\n<li class=\"toc-level-3\">6.4.13 Ant Group (Alipay)<\/li>\n<li class=\"toc-level-3\">6.4.14 Tencent Holdings Ltd. (WeChat Pay)<\/li>\n<li class=\"toc-level-3\">6.4.15 Paytm (One97 Communications Ltd.)<\/li>\n<li class=\"toc-level-3\">6.4.16 Rapyd Financial Networks Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.17 Nets Group (Nexi)<\/li>\n<li class=\"toc-level-3\">6.4.18 Mollie B.V.<\/li>\n<li class=\"toc-level-3\">6.4.19 Verifone Inc.<\/li>\n<li class=\"toc-level-3\">6.4.20 Lightspeed Commerce Inc.<\/li>\n<li class=\"toc-level-3\">6.4.21 Worldline SA<\/li>\n<li class=\"toc-level-3\">6.4.22 Global Payments Inc.<\/li>\n<li class=\"toc-level-3\">6.4.23 PayU Payments Pvt. Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.24 Airwallex Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.25 Wise plc<\/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>\ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694 (2026-2031\ub144 \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd)<\/p>\n<p>\ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc740 2026\ub144 1,450.3\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144 3,510.7\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 19.34%\ub97c \uae30\ub85d\ud560 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uce74\ub4dc \uc911\uc2ec\uc758 \uacb0\uc81c \ubc29\uc2dd\uc5d0\uc11c \uacc4\uc88c \uac04 \uc989\uc2dc \uacb0\uc81c, QR \ucf54\ub4dc \uc9c0\uac11, \uadf8\ub9ac\uace0 \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158 \ud50c\ub7ab\ud3fc\uc73c\ub85c\uc758 \uad6c\uc870\uc801 \uc804\ud658\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ube44\uc6a9 \uace1\uc120\uacfc \uc2b9\uc778 \uc2e4\uc801\uc744 \uc7ac\ud3b8\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc720\ub7fd\uc5d0\uc11c\ub294 \ud1a0\ud070\ud654 \ubc0f \uac15\ub825\ud55c \uace0\uac1d \uc778\uc99d(SCA)\uc5d0 \ub300\ud55c \uaddc\uc81c \uc758\ubb34\ud654\uac00 \ud575\uc2ec \uc2dc\uc2a4\ud15c \ud604\ub300\ud654\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc73c\uba70, ISO 20022 \ub370\uc774\ud130 \ud45c\uc900\uc740 \uc790\ub3d9 \uc2e0\uc6a9 \ud3c9\uac00\ub97c \uc9c0\uc6d0\ud558\ub294 \ud48d\ubd80\ud55c \uac70\ub798 \ub370\uc774\ud130\ub97c \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \ubc0f \ub0a8\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc815\ubd80 \uc9c0\uc6d0 QR \uc0c1\ud638\uc6b4\uc6a9\uc131\uacfc \uc218\uc218\ub8cc \uc5c6\ub294 \uc989\uc2dc \uc774\uccb4\uac00 \ud604\uae08 \ubc0f \uce74\ub4dc \uacb0\uc81c\ub97c \uc804\ub840 \uc5c6\ub294 \uc18d\ub3c4\ub85c \ub300\uccb4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacbd\uc7c1 \uc5ed\ud559\uc740 \uac8c\uc774\ud2b8\uc6e8\uc774 \ub3c5\ub9bd\uc801\uc778 \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158 \ubc0f \uc288\ud37c \uc571\uc774 \uae30\uc874 \uce74\ub4dc\uc0ac\uc758 \uc218\uc218\ub8cc \uc218\uc775\uc744 \uc7a0\uc2dd\ud558\uba74\uc11c \ud30c\ud3b8\ud654\ub418\uace0 \uc788\uc73c\ub098, \uae30\uc874 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub294 \uc624\ud508 \ubc45\ud0b9 \ubc0f \uc0ac\uae30 \ubd84\uc11d \uc5ed\ub7c9 \uc778\uc218\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ubc29\uc5b4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30\ub825:<\/p>\n<p>1. \uacb0\uc81c \ubc29\uc2dd\ubcc4 \ubd84\uc11d:<br \/>\n2025\ub144 \uae30\uc900 POS(\ud310\ub9e4 \uc2dc\uc810 \uad00\ub9ac) \ucc44\ub110\uc774 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uac00\uce58\uc758 47.83%\ub97c \ucc28\uc9c0\ud588\uc73c\ub098, \uc628\ub77c\uc778 \ubc0f \uc6d0\uaca9 \uacb0\uc81c\ub294 2031\ub144\uae4c\uc9c0 20.39%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70 \uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc758 \uc989\uc2dc \uc740\ud589 \uacb0\uc81c(pay-by-bank) \uc81c\ub3c4\uc640 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 \uc624\ud508 \uc9c0\uac11 QR \ucf54\ub4dc\ub294 \uac00\ub9f9\uc810\uc774 \uce74\ub4dc \uc218\uc218\ub8cc\ub97c \uc808\uac10\ud558\uace0 \uc774\ub97c \ub85c\uc5f4\ud2f0 \ub9ac\ubca0\uc774\ud2b8\ub098 \ub2f9\uc77c \uacb0\uc81c \uc778\uc13c\ud2f0\ube0c\ub85c \uc804\ud658\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc9c0\uac11\uacfc \uc815\uc801 QR \uc2a4\ud2f0\ucee4\ub294 \ud558\ub4dc\uc6e8\uc5b4 \uc758\uc874\uc131\uc744 \uc81c\uac70\ud558\uc5ec \uc18c\uaddc\ubaa8 \uac00\ub9f9\uc810\ub3c4 \uc27d\uac8c \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c\ub97c \uc218\uc6a9\ud560 \uc218 \uc788\uac8c \ud558\uc600\uc2b5\ub2c8\ub2e4. \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c\ub294 \uce74\ub4dc \ubbf8\uc81c\uc2dc(CNP), \uc740\ud589 \uacb0\uc81c, \uc9c0\uac11 \uae30\ubc18 \uc790\uae08\uc6d0\uc73c\ub85c \uc138\ubd84\ud654\ub418\uace0 \uc788\uc73c\uba70, \uc601\uad6d \uaddc\uc81c \ub2f9\uad6d\uc5d0 \ub530\ub974\uba74 \uc740\ud589 \uacb0\uc81c\ub294 2025\ub144 \uc628\ub77c\uc778 \uacb0\uc81c\uc758 18%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2. \uad6c\uc131 \uc694\uc18c\ubcc4 \ubd84\uc11d:<br \/>\n\uc194\ub8e8\uc158 \ubd80\ubb38\uc740 2025\ub144 \uc218\uc775\uc758 67.82%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 20.77%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ud655\uc7a5\ud558\uc5ec \uae30\uc5c5 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ubc18\uc5d0\uc11c \ub2e8\uc77c \ud504\ub85c\uc138\uc11c \ubc29\uc2dd\uc744 \ub300\uccb4\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uac8c\uc774\ud2b8\uc6e8\uc774 \ub3c5\ub9bd\uc801\uc778 \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158\uc740 \uc5ec\ub7ec \uacb0\uc81c \ub808\uc77c\uc744 \ud1b5\ud574 \uac70\ub798\ub97c \ub77c\uc6b0\ud305\ud558\uc5ec \uad6d\uacbd \uac04 \uac00\ub9f9\uc810\uc758 \uc2b9\uc778\uc728\uc744 3~5%p \ub192\uc774\ub294 \ud6a8\uacfc\ub97c \uac00\uc838\uc635\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc9c0\uac11 \ud50c\ub7ab\ud3fc\uc740 \uacb0\uc81c, \ub85c\uc5f4\ud2f0, BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c), \uc18c\uc561 \ud22c\uc790 \uae30\ub2a5\uc744 \ud1b5\ud569\ub41c \uacbd\ud5d8\uc73c\ub85c \ubb36\ub294 \uc288\ud37c \uc571\uc5d0 \ud798\uc785\uc5b4 31%\uc758 \uc0ac\uc6a9\uc790 \uc131\uc7a5\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc0ac\uae30 \uc810\uc218 \uc5d4\uc9c4\uc740 \uaddc\uc81c \uac10\uc2dc \uac15\ud654\uc640 \uac00\ub9f9\uc810\uc758 \uba38\uc2e0\ub7ec\ub2dd \ubd84\uc11d \uc544\uc6c3\uc18c\uc2f1 \uc99d\uac00\ub85c \uc5f0\uac04 26% \uc131\uc7a5\ud558\ub294 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ud558\uc704 \ubd80\ubb38\uc785\ub2c8\ub2e4. \uc11c\ube44\uc2a4 \ubd80\ubb38\uc740 ISO 20022 \ub9c8\uc774\uadf8\ub808\uc774\uc158 \ubc0f PSD3 \uaddc\uc815 \uc900\uc218 \ud504\ub85c\uc81d\ud2b8\uc5d0 \ud798\uc785\uc5b4 17.8% \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>3. \uae30\uc5c5 \uaddc\ubaa8\ubcc4 \ubd84\uc11d:<br \/>\n\ub300\uae30\uc5c5\uc774 2025\ub144 \uc2dc\uc7a5 \uac00\uce58\uc758 61.74%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc911\uc18c\uae30\uc5c5(SMEs)\uc740 20.56%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \ub354 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70 \uc5ed\uc0ac\uc801\uc778 \uc5ed\ub7c9 \uaca9\ucc28\ub97c \uc881\ud788\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc815\uc561\uc81c POS \uc2dc\uc2a4\ud15c\uacfc SaaS \ud50c\ub7ec\uadf8\uc778\uc740 \uc18c\uaddc\ubaa8 \uc0c1\uc810\uc774 \uba87 \ubd84 \ub9cc\uc5d0 \uc628\ubcf4\ub529\ud558\uace0, \uad6d\uc81c \uc9c0\uac11\uc744 \uc218\ub77d\ud558\uba70, \ub2f4\ubcf4 \uc5c6\uc774 \uc6b4\uc804\uc790\uae08 \uc120\uc9c0\uae09\uc744 \ubc1b\uc744 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc784\ubca0\ub514\ub4dc \uae08\uc735(embedded finance)\uc740 \uc774\ub7ec\ud55c \ubcc0\ud654\uc758 \ud575\uc2ec\uc73c\ub85c, \uc1a1\uc7a5 \uc18c\ud504\ud2b8\uc6e8\uc5b4\ub294 \uc774\uc81c \ud560\ubd80 \uacc4\ud68d\uacfc \uc989\uc2dc \uc9c0\uae09\uc744 \ubc88\ub4e4\ub85c \uc81c\uacf5\ud558\uba70, \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ud310\ub9e4\uc790\ub294 \ubc30\uc1a1 \ud655\uc778 \uc2dc \uc790\uae08\uc744 \ud574\uc81c\ud558\ub294 \uc5d0\uc2a4\ud06c\ub85c \ub808\uc77c\uc744 \ud65c\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>4. \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4 \ubd84\uc11d:<br \/>\n\uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798\ub294 2025\ub144 34.72%\uc758 \uc2dc\uc7a5 \uac00\uce58\ub85c \uc120\ub450\ub97c \ub2ec\ub838\uc9c0\ub9cc, \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uacfc \ube44\uc811\ucd09\uc2dd \uce74\ub4dc\uac00 \uc120\uc9c4\uad6d\uc5d0\uc11c \ud3ec\ud654 \uc0c1\ud0dc\uc5d0 \ub3c4\ub2ec\ud558\uba74\uc11c \uc131\uc7a5\uc774 \ub454\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud5ec\uc2a4\ucf00\uc5b4\ub294 20.22%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ubd84\uc57c\ub85c, \uc6d0\uaca9 \uc758\ub8cc, \uc2e4\uc2dc\uac04 \ubcf8\uc778 \ubd80\ub2f4\uae08 \uc9d5\uc218, \ud1b5\ud569 \ubcf4\ud5d8 \uc2ec\uc0ac \ub4f1\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub429\ub2c8\ub2e4. \ubbf8\ub514\uc5b4 \ubc0f \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8 \uc0b0\uc5c5\uc740 \uad6c\ub3c5 \uc2a4\ud2b8\ub9ac\ubc0d\uacfc \uac8c\uc784 \ub0b4 \uc18c\uc561 \uac70\ub798 \ub355\ubd84\uc5d0 19%\uc758 \uac70\ub798\ub7c9 \uc131\uc7a5\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc815\ubd80, \uad50\uc721, \uacf5\uacf5 \uc11c\ube44\uc2a4 \ubd80\ubb38\ub3c4 \uccad\uad6c\uc11c \uacb0\uc81c\ub97c \ud604\ub300\ud654\ud558\uba70 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud655\uc7a5\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>5. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d:<br \/>\n\uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2025\ub144 \uc804 \uc138\uacc4 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uac00\uce58\uc758 38.72%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \uc9c0\uc5ed \uae30\uc5ec\uc790\uc774\uc790 20.32%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uae00\ub85c\ubc8c \ud3c9\uade0\uc744 \ub2a5\uac00\ud558\ub294 \uc131\uc7a5\ub960\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uc815\ubd80 \uc8fc\ub3c4 \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c \ubc0f QR \ud45c\uc900\uc740 \ud604\uae08 \uc911\uc2ec\uc758 \uc18c\uaddc\ubaa8 \uc0ac\uc5c5\uc790\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uac00\ub9f9\uc810 \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub3c4\uc758 UPI\ub294 \uc624\ud508 \uc18c\uc2a4 \uc2a4\uc704\uce6d\uacfc \ubbfc\uac04 \ubd80\ubb38 \ud504\ub860\ud2b8 \uc5d4\ub4dc\uac00 \ub3c5\uc810 \uc9c0\uac11\ubcf4\ub2e4 \ube60\ub974\uac8c \ud655\uc7a5\ub420 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc720\ub7fd\uc740 PSD3 \ud1a0\ud070\ud654, \ub514\uc9c0\ud138 \uc6b4\uc601 \ubcf5\uc6d0\ub825\ubc95(DORA), TARGET \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c(TIPS)\uc744 \ud1b5\ud574 \uc740\ud589\uc758 \ud50c\ub7ab\ud3fc \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc8fc\ub3c4\ud558\uba70 \uc131\uc219\ud558\uba74\uc11c\ub3c4 \ud655\uc7a5 \uc911\uc778 \uc2dc\uc7a5\uc785\ub2c8\ub2e4. \ubd81\ubbf8\uc5d0\uc11c\ub294 FedNow \ub808\uc77c\uc774 \uae09\uc5ec \ubc0f \uccad\uad6c\uc11c \uacb0\uc81c\uc5d0 \ud1b5\ud569\ub418\uace0 \uc788\uc73c\uba70, \ub0a8\ubbf8\ub294 21.4%\uc758 \ub192\uc740 \uc9c0\uc5ed \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc218\uc218\ub8cc \uc5c6\ub294 \uc989\uc2dc \uc774\uccb4 \ubc0f \ud604\uc9c0\ud654\ub41c \ub300\uccb4 \uacb0\uc81c \uc218\ub2e8(APM)\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uc218\uc694\ub97c \uac15\uc870\ud569\ub2c8\ub2e4. \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc784\uae08 \ubcf4\ud638 \uc758\ubb34\uac00 \ubd80\uc218\uc801\uc778 \uc2e0\uc6a9 \ubc0f \uc800\ucd95 \uc81c\uc548\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\uc778:<br \/>\n*   \ub3d9\ub0a8\uc544\uc2dc\uc544 QR \ucf54\ub4dc \uacb0\uc81c \uae09\uc99d: \uc815\ubd80 \uc8fc\ub3c4 \uc0c1\ud638\uc6b4\uc6a9\uc131\uc73c\ub85c QR \uacb0\uc81c\uac00 \ub3c4\uc2dc\uc5d0\uc11c \ub18d\ucd0c\uae4c\uc9c0 \ud655\uc0b0\ub418\uba70, \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09, \ud540\ud14c\ud06c \uacbd\uc7c1, \uaddc\uc81c \uc9c0\uc6d0\uc774 \uc8fc\uc694 \ub3d9\uc778\uc785\ub2c8\ub2e4.<br \/>\n*   EU \ud1a0\ud070\ud654 \uc758\ubb34\ud654\ub85c \uc628\ub77c\uc778 \ubcf4\uc548 \uac15\ud654: \uc720\ub7fd \uc704\uc6d0\ud68c\uc758 PSD3\ub294 2027\ub144 1\uc6d4\uae4c\uc9c0 \ubaa8\ub4e0 \uce74\ub4dc \ubbf8\uc81c\uc2dc(CNP) \uac70\ub798\uc5d0 \ub124\ud2b8\uc6cc\ud06c \ud1a0\ud070\uc744 \uc758\ubb34\ud654\ud558\uc5ec \uc0ac\uae30\uc728 \uac10\uc18c \ubc0f \uc628\ub77c\uc778 \ubcf4\uc548\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<br \/>\n*   \ub0a8\ubbf8 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\uc758 \ub300\uccb4 \uacb0\uc81c \uc218\ub2e8(APM) \uc218\uc694: \ube0c\ub77c\uc9c8 Pix\uc640 \uac19\uc740 \ud604\uc9c0 APM\uc740 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\uc5d0\uc11c \uc7a5\ubc14\uad6c\ub2c8 \ud3ec\uae30\uc728\uc744 \ud06c\uac8c \uac1c\uc120\ud558\uba70 \uc9c0\uc5ed \uc131\uc7a5\uc744 \uacac\uc778\ud569\ub2c8\ub2e4.<br \/>\n*   GCC\uc758 \uc989\uc2dc \uae09\uc5ec \uc9c0\uae09 \uc81c\ub3c4: \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544, UAE, \uce74\ud0c0\ub974\uc758 \uae09\uc5ec \uc989\uc2dc \uc9c0\uae09 \uc758\ubb34\ud654\ub294 \uc608\uce21 \uac00\ub2a5\ud55c \uace0\ube48\ub3c4 \uac70\ub798 \ud750\ub984\uc744 \uc0dd\uc131\ud558\uc5ec \uc740\ud589 \ubc0f \ud540\ud14c\ud06c\uac00 \ub2e4\uc591\ud55c \uae08\uc735 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\ub3c4\ub85d \uc7a5\ub824\ud569\ub2c8\ub2e4.<br \/>\n*   ISO 20022 \ub370\uc774\ud130 \ub9ac\uce58 \uba54\uc2dc\uc9d5\uc744 \ud1b5\ud55c SME \uc2e0\uc6a9 \ud3c9\uac00 \uc7a0\uae08 \ud574\uc81c: ISO 20022 \ud45c\uc900\uc740 \ud48d\ubd80\ud55c \uac70\ub798 \ub370\uc774\ud130\ub97c \uc81c\uacf5\ud558\uc5ec \uc790\ub3d9\ud654\ub41c \uc2e0\uc6a9 \ud3c9\uac00\ub97c \uc9c0\uc6d0, \ud2b9\ud788 \uc911\uc18c\uae30\uc5c5(SME)\uc758 \uc2e0\uc6a9 \uc811\uadfc\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778:<br \/>\n*   \uce74\ub9ac\ube0c\ud574 \uc9c0\uc5ed\uc758 \ud30c\ud3b8\ud654\ub41c KYC \uaddc\uc815: 15\uac1c \uac1c\ubcc4 \uaddc\uc81c \uccb4\uc81c\ub85c \uc778\ud574 \uc9c0\uac11 \ubc0f \uc1a1\uae08 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc758 \uc628\ubcf4\ub529 \uc7a5\uc560\uac00 \ubc1c\uc0dd\ud558\uace0 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud569\ub2c8\ub2e4.<br \/>\n*   \uc911\uacac \uc0c1\uc778\uc758 CNP(\uce74\ub4dc \ubbf8\uc81c\uc2dc) \uc0ac\uae30 \ube44\uc6a9 \uc99d\uac00: 2025\ub144 CNP \uc0ac\uae30 \uc190\uc2e4\uc740 93\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud588\uc73c\uba70, \uc911\uacac \uc0c1\uc778\uc774 58%\ub97c \ubd80\ub2f4\ud558\uc5ec \ub514\uc9c0\ud138 \ud655\uc7a5\uc744 \ub2a6\ucd94\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n*   \ube14\ub85d\uccb4\uc778 \uacb0\uc81c \uacc4\uce35\uc758 \ud0c4\uc18c \ubc1c\uc790\uad6d \uc870\uc0ac: \ube14\ub85d\uccb4\uc778 \uacb0\uc81c \uacc4\uce35\uc758 \uc5d0\ub108\uc9c0 \uc18c\ube44\uc5d0 \ub300\ud55c \ud658\uacbd\uc801 \uc6b0\ub824\uac00 \uc99d\uac00\ud558\uba70, \uaddc\uc81c \uae30\uad00\uacfc \uae30\uad00 \uad6c\ub9e4\uc790\ub4e4\uc774 \ud0c4\uc18c \ubc1c\uc790\uad6d\uc5d0 \ub300\ud55c \uc870\uc0ac\ub97c \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<br \/>\n\ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \ud30c\ud3b8\ud654\ub97c \ubcf4\uc774\uba70, \uc0c1\uc704 10\uac1c \uacf5\uae09\uc5c5\uccb4\uac00 2025\ub144 \uac70\ub798 \uac00\uce58\uc758 52%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uae30\uc874 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub294 \uc624\ud508 \ubc45\ud0b9 \ubc0f \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158 \uc790\uc0b0\uc5d0 \ub300\ud55c \ubc29\uc5b4\uc801 \uc778\uc218\ub97c \uc2e4\ud589\ud558\uc5ec \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc0c8\ub85c\uc6b4 \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc758 \ub3c4\uc804\uc5d0 \ub300\uc751\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\uc640 \ub3d9\uc2dc\uc5d0, \uc2e0\ud765 \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uacb0\uc81c \uc194\ub8e8\uc158, \ubaa8\ubc14\uc77c \uc9c0\uac11, \uadf8\ub9ac\uace0 P2P(\uac1c\uc778 \uac04) \uc1a1\uae08 \uc11c\ube44\uc2a4\uc640 \uac19\uc740 \ud601\uc2e0\uc801\uc778 \uae30\uc220\uc744 \ud1b5\ud574 \uae30\uc874 \uc2dc\uc7a5\uc758 \ud2c8\uc0c8\ub97c \uacf5\ub7b5\ud558\uba70 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \uc9c0\uc5ed\ubcc4 \ud2b9\ud654\ub41c \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\ub294 \uc18c\uaddc\ubaa8 \ud50c\ub808\uc774\uc5b4\ub4e4\ub3c4 \uc99d\uac00\ud558\uc5ec \uacbd\uc7c1\uc744 \ub354\uc6b1 \uc2ec\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud658\uacbd \uc18d\uc5d0\uc11c \uae30\uc5c5\ub4e4\uc740 \ucc28\ubcc4\ud654\ub41c \uc11c\ube44\uc2a4\uc640 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud574 \ub04a\uc784\uc5c6\uc774 \ub178\ub825\ud558\uace0 \uc788\uc73c\uba70, \uae30\uc220 \ud601\uc2e0\uacfc \uaddc\uc81c \ubcc0\ud654\uc5d0 \ub300\ud55c \ubbfc\ucca9\ud55c \ub300\uc751\uc774 \uc2dc\uc7a5 \uc131\uacf5\uc758 \ud575\uc2ec \uc694\uc18c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc5f0\uad6c \ubc94\uc704\ub294 \uc628\ub77c\uc778 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774, \uc9c1\ubd88 \ub808\uc77c, \ubaa8\ubc14\uc77c POS \ub9ac\ub354\ub97c \ud1b5\ud574 \ud604\uae08 \ub300\uc2e0 \uc804\uc790\uc801\uc73c\ub85c \uc815\uc0b0\ub418\ub294 \ubaa8\ub4e0 \uc18c\ube44\uc790 \ub300\uba74 \uac70\ub798\ub97c \ud3ec\ud568\ud558\uba70, \uc774\ub7ec\ud55c \ud750\ub984\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc194\ub8e8\uc158 \uacf5\uae09\uc5c5\uccb4 \ubc0f \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc758 \uc218\uc775\uc744 \ub2e4\ub8f9\ub2c8\ub2e4. \ubd84\uc11d\uc740 \uacb0\uc81c \ubc29\uc2dd, \uad6c\uc131 \uc694\uc18c, \uae30\uc5c5 \uaddc\ubaa8, \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5 \ubc0f \uc9c0\uc5ed\ubcc4\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4. \ub2e4\ub9cc, \uae30\uc5c5 \uac04 \uacb0\uc81c(B2B), \uc554\ud638\ud654\ud3d0 \uac70\ub798, \uc21c\uc218 \uce74\ub4dc \ubc1c\uae09 \uc218\uc218\ub8cc\ub294 \ubcf8 \uc5f0\uad6c \ubc94\uc704\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc740 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 QR \ucf54\ub4dc \uacb0\uc81c \uae09\uc99d, EU\uc758 \uc628\ub77c\uc778 \ubcf4\uc548 \uac15\ud654\ub97c \uc704\ud55c \ud1a0\ud070\ud654 \uc758\ubb34\ud654, \ub0a8\ubbf8\uc758 \ub300\uccb4 \uacb0\uc81c \uc218\ub2e8(APM)\uc5d0 \ub300\ud55c \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uc218\uc694, GCC \uc9c0\uc5ed\uc758 \uc989\uc2dc \uae09\uc5ec \uc9c0\uae09 \uc81c\ub3c4, ISO 20022 \ub370\uc774\ud130 \ub9ac\uce58 \uba54\uc2dc\uc9d5\uc744 \ud1b5\ud55c \uc911\uc18c\uae30\uc5c5(SME) \uc2e0\uc6a9 \ud3c9\uac00 \uac1c\uc120 \ub4f1 \ub2e4\uc591\ud55c \ub3d9\uc778\uc5d0 \uc758\ud574 \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uce74\ub9ac\ube0c\ud574 \uc9c0\uc5ed\uc758 \ud30c\ud3b8\ud654\ub41c KYC(\uace0\uac1d \uc54c\uae30 \uc81c\ub3c4) \uaddc\uc815, \uc911\uc18c \uc0c1\uc778\uc758 \uce74\ub4dc \ubbf8\uc81c\uc2dc(CNP) \uc0ac\uae30 \ube44\uc6a9 \uc99d\uac00, \ube14\ub85d\uccb4\uc778 \uc815\uc0b0 \ub808\uc774\uc5b4\uc758 \ud0c4\uc18c \ubc1c\uc790\uad6d\uc5d0 \ub300\ud55c \uc870\uc0ac \ub4f1\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc81c\uc57d\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 19.34%\uc758 \uacac\uace0\ud55c \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 3,510\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2025\ub144 \uae30\uc900 38.72%\uc758 \uac00\uc7a5 \ud070 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uba70, QR \ucf54\ub4dc \uc0c1\ud638\uc6b4\uc6a9\uc131 \ubc0f \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uac00\uc18d\ud654\uc5d0 \ud798\uc785\uc5b4 \uc120\ub450\ub97c \uc720\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5 \uc911\uc5d0\uc11c\ub294 \uc6d0\uaca9 \uc758\ub8cc, \uc2e4\uc2dc\uac04 \ubcf8\uc778 \ubd80\ub2f4\uae08 \uc9d5\uc218, \uc804\uc790 \ud658\uc790 \uacb0\uc81c \uc758\ubb34\ud654\uc5d0 \ud798\uc785\uc5b4 \ud5ec\uc2a4\ucf00\uc5b4 \ubd80\ubb38\uc774 \uc5f0\ud3c9\uade0 20.22%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. \ub610\ud55c, \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158 \ud50c\ub7ab\ud3fc\uc740 \uc5ec\ub7ec \uac8c\uc774\ud2b8\uc6e8\uc774 \ubc0f \uacb0\uc81c \ub808\uc77c\uc744 \ud1b5\ud574 \uac70\ub798\ub97c \ub77c\uc6b0\ud305\ud558\uc5ec \uc2b9\uc778\uc728\uc744 \ucd5c\ub300 5%\ud3ec\uc778\ud2b8 \ub192\uc774\uace0 \ucc98\ub9ac \ube44\uc6a9\uc744 \uc808\uac10\ud568\uc73c\ub85c\uc368 \uc0c1\uc778\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5(SME)\uc758 \uacbd\uc6b0, \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub7ab\ud3fc\uc774 \uacb0\uc81c \uc218\ub77d, \uc6b4\uc804\uc790\ubcf8 \uc120\uc9c0\uae09, \uaddc\uc815 \uc900\uc218 \uae30\ub2a5\uc744 \ud50c\ub7ec\uadf8 \uc564 \ud50c\ub808\uc774 API \ud615\ud0dc\ub85c \uc81c\uacf5\ud558\uc5ec \uc628\ubcf4\ub529 \uc2dc\uac04\uc744 \ub2e8\ucd95\ud568\uc73c\ub85c\uc368 \ub514\uc9c0\ud138 \uacb0\uc81c \ucc44\ud0dd\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uacb0\uc81c \ubc29\uc2dd(POS, \uc628\ub77c\uc778\/\uc6d0\uaca9 \uacb0\uc81c), \uad6c\uc131 \uc694\uc18c(\uc194\ub8e8\uc158, \uc11c\ube44\uc2a4), \uae30\uc5c5 \uaddc\ubaa8(\ub300\uae30\uc5c5, \uc911\uc18c\uae30\uc5c5), \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5(\uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798, \ubbf8\ub514\uc5b4 \ubc0f \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8, \ud5ec\uc2a4\ucf00\uc5b4, \uc219\ubc15 \ubc0f \uc5ec\ud589, \uc815\ubd80\/\uad50\uc721\/\uacf5\uacf5 \uc11c\ube44\uc2a4 \ub4f1), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc0c1\uc138\ud558\uac8c \ubd84\ub958\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. PayPal, Visa, Mastercard, Amazon Pay, Google Pay, Apple Pay, Stripe, Adyen, Ant Group, Tencent Holdings \ub4f1 25\uac1c \uc8fc\uc694 \uae30\uc5c5\uc758 \ud504\ub85c\ud544\uc774 \uc81c\uacf5\ub418\uc5b4 \uae00\ub85c\ubc8c \ubc0f \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4, \uc804\ub7b5\uc801 \uc815\ubcf4, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \uc0ac\ud56d \ub4f1\uc744 \uc0c1\uc138\ud788 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uad6c \ubc29\ubc95\ub860\uc740 BIS Red Book, \uc138\uacc4\uc740\ud589, IMF \ub4f1 \uacf5\uac1c \ub370\uc774\ud130\uc14b\uacfc \uae30\uc5c5 \ubcf4\uace0\uc11c, \uc720\ub8cc \ub9ac\ud3ec\uc9c0\ud1a0\ub9ac\ub97c \ud65c\uc6a9\ud55c \ubb38\ud5cc \uc5f0\uad6c\uc640 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc784\uc6d0, \ud540\ud14c\ud06c \ucc3d\uc5c5\uc790, \uc0c1\uc778 \uc778\ud130\ubdf0 \ubc0f \uc911\uc18c\uae30\uc5c5\/\ud5ec\uc2a4\ucf00\uc5b4 \uc81c\uacf5\uc5c5\uccb4 \uc124\ubb38\uc870\uc0ac\ub97c \ud1b5\ud55c 1\ucc28 \uc5f0\uad6c\ub97c \uacb0\ud569\ud558\uc5ec \uc9c4\ud589\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8 \uc0b0\uc815 \ubc0f \uc608\uce21\uc740 \ud558\ud5a5\uc2dd \uac70\ub798 \uac00\uce58 \uc7ac\uad6c\uc131\uacfc \uc0c1\ud5a5\uc2dd \ubca4\uce58\ub9c8\ud0b9\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c0\uba70, \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960, \ube44\uc811\ucd09\uc2dd \uce74\ub4dc \ubcf4\uae09, \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ub3c4\uc785, \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uc131\uc7a5, \uc0ac\uae30 \uc190\uc2e4\ub960 \ub4f1 \ud575\uc2ec \uc2dc\uc7a5 \uc9c0\ud45c\ub97c \ud65c\uc6a9\ud55c \ub2e4\ubcc0\ub7c9 \ud68c\uadc0 \ubd84\uc11d \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ud1b5\ud574 2030\ub144\uae4c\uc9c0\uc758 \uc218\uc694\ub97c \ubcf4\uc218\uc801, \uae30\ubcf8, \ub099\uad00\uc801 \uc2dc\ub098\ub9ac\uc624\ub85c \uc608\uce21\ud569\ub2c8\ub2e4. \ub370\uc774\ud130\ub294 \ub9e4\ub144 \uc5c5\ub370\uc774\ud2b8\ub418\uba70, \uc8fc\uc694 \uaddc\uc81c \ub610\ub294 \uae30\uc220 \ubcc0\ud654 \ubc1c\uc0dd \uc2dc \uc218\uc2dc\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\uc5b4 \ucd5c\uc2e0 \uc815\ubcf4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p>Mordor Intelligence\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \ubcf4\uace0\uc11c\ub294 \uba85\ud655\ud55c \ubcc0\uc218\uc640 \ubc18\ubcf5 \uac00\ub2a5\ud55c \ub2e8\uacc4\ub97c \uae30\ubc18\uc73c\ub85c \ud55c \uade0\ud615 \uc7a1\ud78c \uc815\uc758, \uc774\uc911 \uacbd\ub85c \ubaa8\ub378\ub9c1, \ube48\ubc88\ud55c \uc5c5\ub370\uc774\ud2b8\ub97c \ud1b5\ud574 \uc758\uc0ac \uacb0\uc815\uc790\ub4e4\uc774 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \uae30\uc900\uc120\uc744 \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-33712","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\/33712"}],"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=33712"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/33712\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=33712"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=33712"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=33712"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}