{"id":38040,"date":"2026-02-11T23:35:29","date_gmt":"2026-02-11T23:35:29","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/digital-transaction-management-dtm-market-mordor\/"},"modified":"2026-09-11T09:41:15","modified_gmt":"2026-09-11T00:41:15","slug":"digital-transaction-management-dtm-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/digital-transaction-management-dtm-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc7ad\uc158 \uad00\ub9ac (DTM) \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-transaction-management-dtm-market_1602454836270_Digital_Transaction_Companies.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-transaction-management-dtm-market-size-image-1770625579677.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 \uaddc\uc81c \uc0b0\uc5c5 \uc804\ubc18\uc758 \uc804\uc790 \uc11c\uba85 \ucc44\ud0dd \uac00\uc18d\ud654<\/li>\n<li class=\"toc-level-3\">4.2.2 BFSI \ubc0f \uc815\ubd80 \ubd80\ubb38\uc5d0\uc11c \uc885\ub2e8 \uac04 \uacc4\uc57d \uc218\uba85 \uc8fc\uae30 \uc790\ub3d9\ud654\ub85c\uc758 \uc804\ud658<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc758\ubb34\uc801\uc778 \uc6d0\uaca9 \uadfc\ubb34 \uc900\uc218\ub85c \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 DTM \ucc44\ud0dd \ucd09\uc9c4<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc0dd\uc131\ud615 AI \ube44\uc11c\uac00 \ubb38\uc11c \ucc98\ub9ac \uc2dc\uac04 \ub2e8\ucd95<\/li>\n<li class=\"toc-level-3\">4.2.5 \ud074\ub9ad\ub7a9(Click-Wrap) \ub3d9\uc758\uac00 \uc544\uc2dc\uc544 \uc804\uc790\uc0c1\uac70\ub798 \uc804\ud658\uc728 \uacac\uc778<\/li>\n<li class=\"toc-level-3\">4.2.6 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ud504\ub808\uc784\uc6cc\ud06c(eIDAS 2.0, Aadhaar, NID)\uac00 \ucc44\ud0dd \ucd09\uc9c4<\/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 \ubcf5\uc7a1\ud55c \uad6d\uacbd \uac04 \uc554\ud638 \uc11c\uba85 \uaddc\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c \uc801\uaca9 \uc6d0\uaca9 \uc2e0\uc6d0 \ubcf4\uc99d\uc758 \ub192\uc740 \ube44\uc6a9<\/li>\n<li class=\"toc-level-3\">4.3.3 \ud30c\ud3b8\ud654\ub41c \ub808\uac70\uc2dc \ud575\uc2ec \uc740\ud589 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uac00 \uc644\uc804 \uc790\ub3d9\ud654 \uc800\ud574<\/li>\n<li class=\"toc-level-3\">4.3.4 \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc81c\ud55c\ub41c 5G\/\uc5e3\uc9c0 \uc778\ud504\ub77c\uac00 \ubaa8\ubc14\uc77c DTM \uc0ac\uc6a9 \ub454\ud654<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \uc0ac\uc2ac \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.6 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.6.1 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.6.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.6.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.7 \uac70\uc2dc \uacbd\uc81c \ub3d9\ud5a5 \uc601\ud5a5 \ud3c9\uac00<\/li>\n<li class=\"toc-level-2\">4.8 \ud22c\uc790 \ubd84\uc11d<\/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<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ubc30\ud3ec \ubaa8\ub4dc\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \ud074\ub77c\uc6b0\ub4dc<\/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 \uc870\uc9c1 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc911\uc18c\uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.3.2 \ub300\uae30\uc5c5<\/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 \uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.4.2 \uc758\ub8cc \ubc0f \uc0dd\uba85 \uacfc\ud559<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38<\/li>\n<li class=\"toc-level-3\">5.4.5 IT \ubc0f \ud1b5\uc2e0<\/li>\n<li class=\"toc-level-3\">5.4.6 \uad50\uc721<\/li>\n<li class=\"toc-level-3\">5.4.7 \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 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \uae30\ud0c0 \uc720\ub7fd<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uae30\ud0c0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-3\">5.5.4 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uae30\ud0c0 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \uae30\ud0c0 \uc911\ub3d9<\/li>\n<li class=\"toc-level-3\">5.5.6 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.6.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.6.2 \uae30\ud0c0 \uc544\ud504\ub9ac\uce74<\/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, \uc7ac\ubb34 \uc815\ubcf4(\uac00\ub2a5\ud55c \uacbd\uc6b0), \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 Adobe Inc.<\/li>\n<li class=\"toc-level-3\">6.4.2 DocuSign, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.3 Dropbox, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.4 Nintex Global Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.5 Namirial S.p.A.<\/li>\n<li class=\"toc-level-3\">6.4.6 OneSpan Inc.<\/li>\n<li class=\"toc-level-3\">6.4.7 Wolters Kluwer N.V.<\/li>\n<li class=\"toc-level-3\">6.4.8 Entrust Corporation<\/li>\n<li class=\"toc-level-3\">6.4.9 SignEasy Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 Mitratech Holdings Inc.<\/li>\n<li class=\"toc-level-3\">6.4.11 Sertifi, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.12 Thales Group (Gemalto N.V.)<\/li>\n<li class=\"toc-level-3\">6.4.13 Nitro Software Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.14 airSlate Inc.<\/li>\n<li class=\"toc-level-3\">6.4.15 PandaDoc Inc.<\/li>\n<li class=\"toc-level-3\">6.4.16 Conga (Apttus Corporation)<\/li>\n<li class=\"toc-level-3\">6.4.17 Zoho Corporation Pvt. Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.18 ZorroSign, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.19 Topaz Systems Inc.<\/li>\n<li class=\"toc-level-3\">6.4.20 InfoCert S.p.A.<\/li>\n<li class=\"toc-level-3\">6.4.21 AssureSign LLC<\/li>\n<li class=\"toc-level-3\">6.4.22 eOriginal, Inc.<\/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 \uac70\ub798 \uad00\ub9ac(DTM) \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d \u2013 \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21 (2026-2031)<\/p>\n<p># 1. \ubcf4\uace0\uc11c \uac1c\uc694 \ubc0f \uc2dc\uc7a5 \uc804\ub9dd<\/p>\n<p>\ub514\uc9c0\ud138 \uac70\ub798 \uad00\ub9ac(Digital Transaction Management, DTM) \uc2dc\uc7a5\uc740 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uacac\uace0\ud55c \uc131\uc7a5\uc138\ub97c \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. 2025\ub144 203.4\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc600\ub358 \uc2dc\uc7a5\uc740 2026\ub144 250.9\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud558\uace0, 2031\ub144\uc5d0\ub294 716.4\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc608\uce21 \uae30\uac04(2026-2031) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 23.35%\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5 \uada4\uc801\uc740 \uae30\uc5c5\ub4e4\uc774 \uc774\uc81c \ub514\uc9c0\ud138 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \ub2e8\uc21c\ud55c \ubc31\uc624\ud53c\uc2a4 \ucd5c\uc801\ud654\uac00 \uc544\ub2cc \ud575\uc2ec \uc804\ub7b5\uc758 \uc77c\ubd80\ub85c \uac04\uc8fc\ud558\uace0 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. \ubcc0\uc870 \ubc29\uc9c0 \uac10\uc0ac \ucd94\uc801\uc744 \uc704\ud55c \ube14\ub85d\uccb4\uc778 \ubc30\ud3ec \uac00\uc18d\ud654, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uc194\ub8e8\uc158\uc744 \uc120\ud638\ud558\ub294 \uc6d0\uaca9 \uadfc\ubb34 \uc815\ucc45\uc758 \ube60\ub978 \ucc44\ud0dd, \uc0dd\uc131\ud615 AI \ubb38\uc11c \ub3c4\uad6c\uc758 \uafb8\uc900\ud55c \uc99d\uac00\ub294 DTM \uc218\uc694\ub97c \uac15\ud654\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc785\ub2c8\ub2e4. \ud2b9\ud788 HIPAA, GDPR, eIDAS\uc640 \uac19\uc740 \uc0ac\uc774\ubc84 \uaddc\uc81c\uc640\uc758 \uc5f0\uacc4\ub294 \ub370\uc774\ud130 \ubb34\uacb0\uc131, \uc2e0\uc6d0 \ubcf4\uc99d \ubc0f \uae00\ub85c\ubc8c \uc9d1\ud589 \uac00\ub2a5\uc131\uc744 \ubcf4\uc7a5\ud558\ub294 \uc194\ub8e8\uc158\uc758 \uc815\ub2f9\uc131\uc744 \ub354\uc6b1 \ud655\uace0\ud788 \ud569\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8\uac00 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728 29.85%\ub85c \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud588\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 27.8%\uc758 \uac00\uc7a5 \ub192\uc740 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc774 \ub420 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc73c\ub85c \ud3c9\uac00\ub429\ub2c8\ub2e4. \uc8fc\uc694 \uae30\uc5c5\uc73c\ub85c\ub294 DocuSign Inc., Adobe Inc., eOriginal, Inc., OneSpan Inc., Dropbox, Inc. \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 2. \uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\uc778 (Drivers)<\/p>\n<p>DTM \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uaddc\uc81c \uc0b0\uc5c5 \uc804\ubc18\uc758 \uc804\uc790\uc11c\uba85 \ucc44\ud0dd \uac00\uc18d\ud654 (CAGR \uc601\ud5a5 +5.2%): \ubbf8\uad6d 43\uac1c \uc8fc\uc758 \uc120\uac70 \uaddc\uc815\uc5d0\uc11c \uc804\uc790\uc11c\uba85\uc744 \ud5c8\uc6a9\ud558\uace0, \uad50\ud1b5\ubd80\uac00 \uc804\uc790 \uc99d\uba85\uc11c\ub97c \uc57d\ubb3c \uac80\uc0ac \uae30\ub85d\uc5d0 \ub300\ud574 \ubc95\uc801\uc73c\ub85c \uc720\ud6a8\ud558\uac8c \ucde8\uae09\ud558\ub294 \uac1c\uc815\uc548\uc744 \ud655\uc815\ud558\ub294 \ub4f1 \ubc95\uc801 \uac1c\ubc29\uc131\uc774 \uc794\uc874\ud558\ub294 \ud68c\uc758\ub860\uc744 \uc81c\uac70\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae30\uc5c5\uc774 \uaddc\uc815 \uc900\uc218\ub97c \uc720\uc9c0\ud558\uba74\uc11c \ubb38\uc11c \ucc98\ub9ac \uc8fc\uae30\ub97c 75% \ub2e8\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \ub300\ud615 \uc758\ub8cc \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \uc801\uaca9 \uc804\uc790\uc11c\uba85\uc744 \ud65c\uc6a9\ud558\uc5ec \uc6b0\ud3b8 \uc9c0\uc5f0 \uc5c6\uc774 \uc8fc(\u5dde) \uac04 \ub3d9\uc758\uc11c \uc591\uc2dd\uc744 \ub3d9\uae30\ud654\ud558\uc5ec \ud658\uc790 \ub9cc\uc871\ub3c4\ub97c \ub192\uc774\uace0 \uad00\ub9ac \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4.<br \/>\n*   BFSI \ubc0f \uc815\ubd80 \ubd80\ubb38\uc758 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \uacc4\uc57d \uc218\uba85 \uc8fc\uae30 \uc790\ub3d9\ud654 \uc804\ud658 (CAGR \uc601\ud5a5 +4.8%): \uc740\ud589\uc740 20,000\uac1c \uc774\uc0c1\uc758 \ud65c\uc131 \uacc4\uc57d\uc744 \ub3d9\uc2dc\uc5d0 \ucc98\ub9ac\ud558\uba70, \uac10\ub3c5\uc774 \uc57d\ud560 \uacbd\uc6b0 \ucd5c\ub300 9%\uc758 \uc218\uc775 \uc190\uc2e4 \uc704\ud5d8\uc5d0 \ub178\ucd9c\ub429\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uae30\ubc18 Citi Token Services\uc758 \ub3c4\uc785\uc740 \uc2e4\uc2dc\uac04 \uacb0\uc81c\uac00 \uc6b4\uc601 \uc704\ud5d8\uc744 \uc904\uc774\uace0 \uc7ac\ubb34 \ub2f4\ub2f9\uc790\uc5d0\uac8c \uc6b4\uc804\uc790\ubcf8 \uc774\uc810\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc815\ubd80 \uae30\uad00 \ub610\ud55c \uc870\ub2ec \ubb38\uc11c\ub97c \uac80\uc0c9 \uac00\ub2a5\ud55c \uc800\uc7a5\uc18c\ub85c \uc911\uc559 \uc9d1\uc911\ud654\ud558\uc5ec \uac70\uc758 \uc989\uac01\uc801\uc778 \uc815\ucc45 \uac10\uc0ac\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uace0 \uc0ac\uae30\ub97c \uc644\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc6c0\uc9c1\uc784\uc740 \ub2e8\uc21c\ud55c \uc804\uc790\uc11c\uba85\uc744 \ub118\uc5b4\uc120 \uc804\uccb4\ub860\uc801 \uc790\ub3d9\ud654\uac00 CIO\uc758 \ud544\uc218 \uc608\uc0b0 \ud56d\ubaa9\uc774 \ub418\uace0 \uc788\uc74c\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<br \/>\n*   \uc6d0\uaca9 \uadfc\ubb34 \uc758\ubb34\ud654 \uc815\ucc45\uc73c\ub85c \uc778\ud55c \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 DTM \ucc44\ud0dd \uc99d\uac00 (CAGR \uc601\ud5a5 +3.7%): \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc6d0\uaca9 \uadfc\ubb34 \uc815\ucc45\uc774 \uc758\ubb34\ud654\ub418\uba74\uc11c \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 DTM \uc194\ub8e8\uc158\uc758 \ucc44\ud0dd\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae30\uc5c5\ub4e4\uc774 \uc5b8\uc81c \uc5b4\ub514\uc11c\ub4e0 \uc548\uc804\ud558\uac8c \ubb38\uc11c \uc791\uc5c5\uc744 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \ud658\uacbd\uc744 \ud544\uc694\ub85c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<br \/>\n*   \uc0dd\uc131\ud615 AI \ube44\uc11c \ub3c4\uc785\uc73c\ub85c \ubb38\uc11c \ucc98\ub9ac \uc2dc\uac04 \ub2e8\ucd95 (CAGR \uc601\ud5a5 +4.3%): Adobe\uc640 Microsoft\uc758 \uacf5\ub3d9 \uac1c\ubc1c \ud50c\ub7ec\uadf8\uc778\uc740 Office \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ub0b4\uc5d0\uc11c \uc694\uc57d, \uc870\ud56d \ucd94\ucd9c, Liquid Mode \uc7ac\ud3ec\ub9f7 \uae30\ub2a5\uc744 \ub0b4\uc7a5\ud569\ub2c8\ub2e4. OpenKM\uc758 AI \ubd84\ub958\ub294 \ubc31\ud30c\uc77c \ubcc0\ud658 \ud504\ub85c\uc81d\ud2b8\uc5d0 \uc720\uc0ac\ud55c \uc18d\ub3c4\ub97c \uc8fc\uc785\ud558\uc5ec \ube44\uc6a9\uc774 \ub9ce\uc774 \ub4dc\ub294 \uc218\ub3d9 \uc778\ub371\uc2f1\uc744 \uc904\uc785\ub2c8\ub2e4. UiPath\ub97c \uc0ac\uc6a9\ud558\uc5ec 6\ucc9c\ub9cc \uac74\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud55c Omega Healthcare\uc758 \uc0ac\ub840\ub294 AI\uac00 \ub300\uaddc\ubaa8\ub85c \uc815\ud655\uc131\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \ub2a5\ub825\uc744 \uc785\uc99d\ud558\uba70, \uc774\ub294 \uc5c4\uaca9\ud55c \uac10\uc0ac\ub97c \ubc1b\ub294 \uc0b0\uc5c5\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\ub2a5\uc774 \uc548\uc815\ud654\ub428\uc5d0 \ub530\ub77c \uc870\ub2ec \ud300\uc740 33% \ub354 \ube60\ub978 \uc2b9\uc778\uacfc \ud604\uc800\ud788 \ub0ae\uc740 \uc608\uc678\uc728\uc744 \ubcf4\uace0\ud569\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \uc9c0\uc5ed\uc758 \ud074\ub9ad\ub7a9(Click-Wrap) \uc218\uc6a9\uc73c\ub85c \uc804\uc790\uc0c1\uac70\ub798 \uc804\ud658\uc728 \uc99d\ub300 (CAGR \uc601\ud5a5 +2.9%): \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc5d0\uc11c \ud074\ub9ad\ub7a9 \ubc29\uc2dd\uc758 \uacc4\uc57d \uc218\uc6a9\uc774 \uc804\uc790\uc0c1\uac70\ub798 \uc804\ud658\uc728\uc744 \ub192\uc774\ub294 \ub370 \uae30\uc5ec\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc911\ub3d9 \uc9c0\uc5ed\uc73c\ub85c\ub3c4 \ud30c\uae09 \ud6a8\uacfc\ub97c \ubbf8\uce58\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ud504\ub808\uc784\uc6cc\ud06c(eIDAS 2.0, Aadhaar, NID)\uc758 \ucc44\ud0dd \ucd09\uc9c4 (CAGR \uc601\ud5a5 +3.1%): \uc720\ub7fd\uc758 EU \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc9c0\uac11\uacfc \uc778\ub3c4\uc758 Aadhaar \uc2dc\uc2a4\ud15c\uc740 \uad6d\uacbd \uac04 \uc790\uaca9 \uc99d\uba85 \ud655\uc778\uc744 \ud45c\uc900\ud654\ud558\uc5ec \uae30\uc5c5\uc774 KYC(\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778)\ub97c \uba70\uce60\uc774 \uc544\ub2cc \uba87 \ubd84 \uc548\uc5d0 \uc644\ub8cc\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc1a1\uae08 \uacbd\ub85c\uc758 \uacbd\uc6b0, \ud734\ub300\uc6a9 ID\ub294 \uc218\uc218\ub8cc \ud22c\uba85\uc131\uacfc \uace0\uac1d \uc2e0\ub8b0\ub97c \ub192\uc5ec \ud540\ud14c\ud06c \uae30\uc5c5\uc774 DTM\uc744 \uc18c\ube44\uc790 \uc571\uc5d0 \ud1b5\ud569\ud558\ub3c4\ub85d \uc7a5\ub824\ud569\ub2c8\ub2e4. \uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uc6d0\ud65c\ud55c \uc2e0\uc6d0\uc774 \uc804\uc790\uc11c\uba85 \ubc0f \uad50\ucc28 \ud50c\ub7ab\ud3fc \ubb38\uc11c \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc758 \ub9c8\ucc30\uc744 \uc81c\uac70\ud558\uc5ec \uc804 \uc138\uacc4\uc801\uc778 \ucc44\ud0dd \uada4\ub3c4\ub97c \ub192\uc77c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p># 3. \uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778 (Restraints)<\/p>\n<p>DTM \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ubcf5\uc7a1\ud55c \uad6d\uacbd \uac04 \uc554\ud638\ud654 \uc11c\uba85 \uaddc\uc81c (CAGR \uc601\ud5a5 -2.7%): eIDAS\ub294 \uc801\uaca9 \uc804\uc790\uc11c\uba85\uc5d0 \ucd5c\uace0 \uc218\uc900\uc758 \uc99d\uac70\ub825\uc744 \ubd80\uc5ec\ud558\uc9c0\ub9cc, EU \uc678\ubd80\uc5d0\uc11c\uc758 \uc0c1\ud638 \uc778\uc815\uc740 \uc5ec\uc804\ud788 \ubd88\uade0\ub4f1\ud569\ub2c8\ub2e4. \ub610\ud55c GDPR\uacfc \uac19\uc740 \ub370\uc774\ud130 \uc8fc\uad8c \uaddc\uc815\uc740 \ubbf8\uad6d CLOUD Act\uc5d0 \ub530\ub978 \uc5ed\uc678 \uc694\uccad\uacfc \ucda9\ub3cc\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \ubd88\uc77c\uce58\ub294 \ub2e4\uad6d\uc801 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc9c0\uc6d0\ud558\ub824\ub294 \uacf5\uae09\uc5c5\uccb4\uc758 \ubc95\ub960 \uc790\ubb38 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0 \uc2dc\uc7a5 \ucd9c\uc2dc \uacc4\ud68d\uc744 \uc9c0\uc5f0\uc2dc\ucf1c DTM \uc2dc\uc7a5\uc758 \ub2e8\uae30\uc801 \uc131\uc7a5\uc744 \uc5b5\uc81c\ud569\ub2c8\ub2e4.<br \/>\n*   \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c \uc801\uaca9 \uc6d0\uaca9 \uc2e0\uc6d0 \ubcf4\uc99d\uc758 \ub192\uc740 \ube44\uc6a9 (CAGR \uc601\ud5a5 -2.1%): \uc2e0\ud765 \uc544\uc2dc\uc544, \uc544\ud504\ub9ac\uce74, \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc801\uaca9 \uc6d0\uaca9 \uc2e0\uc6d0 \ubcf4\uc99d\uc744 \uc704\ud55c \ube44\uc6a9\uc774 \ub192\uac8c \ucc45\uc815\ub418\uc5b4 \uc2dc\uc7a5 \ud655\ub300\ub97c \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n*   \ud30c\ud3b8\ud654\ub41c \ub808\uac70\uc2dc \ud575\uc2ec \uc740\ud589 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub85c \uc778\ud55c \uc644\uc804 \uc790\ub3d9\ud654 \uc800\ud574 (CAGR \uc601\ud5a5 -1.9%): \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \uae30\uc874 \uc740\ud589 \uc2dc\uc7a5\uc5d0\uc11c \ud30c\ud3b8\ud654\ub41c \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c\uc740 DTM\uc758 \uc644\uc804\ud55c \uc790\ub3d9\ud654\ub97c \ubc29\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uc5ec \uc2dc\uc7a5 \uc131\uc7a5\uc744 \ub454\ud654\uc2dc\ud0b5\ub2c8\ub2e4.<br \/>\n*   \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc81c\ud55c\uc801\uc778 5G\/\uc5e3\uc9c0 \uc778\ud504\ub77c\ub85c \uc778\ud55c \ubaa8\ubc14\uc77c DTM \uc0ac\uc6a9 \ub454\ud654 (CAGR \uc601\ud5a5 -1.6%): \uace0\uc18d 5G \ub9c1\ud06c\uc5d0\uc11c \uc791\ub3d9\ud558\ub294 \ud540\ud14c\ud06c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc740 \ub354 \uac15\ub825\ud55c \uc5d4\ub4dc\ud3ec\uc778\ud2b8 \uc554\ud638\ud654\ub85c 10Gbps\uc758 \uc18d\ub3c4\ub85c \uac70\ub798\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9ce\uc740 \ub18d\ucd0c \uc9c0\uc5ed\uc740 \uc5ec\uc804\ud788 3G \ub610\ub294 \ucd08\uae30 LTE\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc5b4 \ubaa8\ubc14\uc77c \uacf5\uc99d \ubc0f \ud604\uc7a5 \uc11c\ube44\uc2a4 \uc11c\uba85 \ucc44\ud0dd\uc774 \uc9c0\uc5f0\ub429\ub2c8\ub2e4. \ub530\ub77c\uc11c \uacf5\uae09\uc5c5\uccb4\ub294 \uc624\ud504\ub77c\uc778 \uce90\uc2f1 \ubc0f \ud558\uc774\ube0c\ub9ac\ub4dc \ub124\ud2b8\uc6cc\ud06c\uc5d0 \ud22c\uc790\ud574\uc57c \ud558\uba70, \uc774\ub294 \uc778\ud504\ub77c\uac00 \ud655\uc0b0\ub420 \ub54c\uae4c\uc9c0 \uc804\ubc18\uc801\uc778 \uc131\uc7a5\uc744 \uc18c\ud3ed \uc5b5\uc81c\ud558\ub294 \ubcf5\uc7a1\uc131\uacfc \ube44\uc6a9\uc744 \ucd94\uac00\ud569\ub2c8\ub2e4.<\/p>\n<p># 4. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p>*   \uad6c\uc131 \uc694\uc18c\ubcc4: 2025\ub144 \ub9e4\ucd9c\uc758 69.25%\ub97c \uc194\ub8e8\uc158\uc774 \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc11c\ube44\uc2a4 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 27.62%\uc758 \uac00\uc7a5 \ub192\uc740 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\uc740 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \uc5c5\uadf8\ub808\uc774\ub4dc \uc2dc \uc0ac\ub0b4 \uaddc\uc81c \uc804\ubb38 \uc9c0\uc2dd\uc774 \ubd80\uc871\ud558\uc5ec \ud1b5\ud569, \uaddc\uc815 \uc900\uc218 \ubc0f \uad00\ub9ac \uc9c0\uc6d0 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \ub192\uc2b5\ub2c8\ub2e4. \uc194\ub8e8\uc158 \ubd80\ubb38\ub3c4 \ube14\ub85d\uccb4\uc778 \ubaa8\ub4c8\uc744 \ud1b5\ud55c \ubd88\ubcc0 \uac10\uc0ac \ucd94\uc801 \ubc0f AI \ubd84\ub958\ub97c \ud1b5\ud55c \ub370\uc774\ud130 \ucea1\ucc98 \uc790\ub3d9\ud654\ub85c \ubc1c\uc804\ud558\uace0 \uc788\uc9c0\ub9cc, \ubbf8\uc158 \ud06c\ub9ac\ud2f0\uceec \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc758 \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud574 \uc678\ubd80 \uc804\ubb38\uac00\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \uc9c0\uc18d\ub420 \uac83\uc785\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubaa8\ub4dc\ubcc4: \ud074\ub77c\uc6b0\ub4dc \ud50c\ub7ab\ud3fc\uc740 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 75.40%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 25.6%\uc758 CAGR\ub85c 2031\ub144 \uc774\uc804\uc5d0 \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\ub97c \uc704\ud55c DTM \uc2dc\uc7a5 \uaddc\ubaa8\uac00 \ub450 \ubc30\ub85c \uc99d\uac00\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc5c5\ub4e4\uc740 \uad6c\ub3c5 \uae30\ubc18 \uac00\uaca9 \ucc45\uc815, \uc2e0\uc18d\ud55c \ud504\ub85c\ube44\uc800\ub2dd, ISO 27001 \ubc0f FedRAMP \uac10\uc0ac\ub97c \ud1b5\uacfc\ud55c \uc778\uc99d\ub41c \ub370\uc774\ud130 \uc13c\ud130\ub97c \ub192\uc774 \ud3c9\uac00\ud569\ub2c8\ub2e4. \uad6d\ubc29, \uc911\uc694 \uc778\ud504\ub77c \ubc0f \uc77c\ubd80 \uae08\uc735 \uae30\uad00\uc5d0\uc11c\ub294 \uc5ec\uc804\ud788 \uc628\ud504\ub808\ubbf8\uc2a4 \uc124\uce58\uac00 \uc774\ub8e8\uc5b4\uc9c0\uc9c0\ub9cc, \uc774\ub4e4 \uad6c\ub9e4\uc790\uc870\ucc28 \ubc29\ud654\ubcbd \ub4a4\uc5d0\uc11c \ud074\ub77c\uc6b0\ub4dc \uae30\ub2a5\uc744 \ubbf8\ub7ec\ub9c1\ud558\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uc81c\uc5b4 \ud50c\ub808\uc778\uc744 \ucc44\ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc870\uc9c1 \uaddc\ubaa8\ubcc4: 2025\ub144 \ub9e4\ucd9c\uc758 59.30%\ub97c \ub300\uae30\uc5c5\uc774 \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc911\uc18c\uae30\uc5c5(SME)\uc740 26.8%\uc758 CAGR\ub85c \ub300\uae30\uc5c5\ubcf4\ub2e4 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ub514\uc9c0\ud138 \uc1a1\uc7a5\uc744 \ub3c4\uc785\ud55c \uc911\uc18c\uae30\uc5c5\uc740 \ubbf8\uc218\uae08 \ud68c\uc218\uc728\uc774 29% \uac00\uc18d\ud654\ub418\uace0 \uc5f0\uccb4\uae08\uc740 45% \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4. \uc800\ucf54\ub4dc(low-code) \uad6c\uc131 \ub3c4\uad6c\uc640 \ud504\ub9ac\ubbf8\uc5c4 \uac00\uaca9 \uc815\ucc45\uc740 \uc9c4\uc785 \uc7a5\ubcbd\uc744 \ub0ae\ucd94\uace0 \uc788\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed \uc911\uc18c\uae30\uc5c5\uc758 70%\uac00 \ub514\uc9c0\ud138 \ubc29\uc2dd \ub3c4\uc785 \ud6c4 \ub9e4\ucd9c \uc99d\ub300\ub97c \uacbd\ud5d8\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4: BFSI\ub294 2025\ub144 \ub9e4\ucd9c \uc810\uc720\uc728 25.60%\ub97c \uc720\uc9c0\ud588\uc9c0\ub9cc, \ud5ec\uc2a4\ucf00\uc5b4 \ubc0f \uc0dd\uba85\uacfc\ud559 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 27.4%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ube14\ub85d\uccb4\uc778 \uae30\ubc18 \uac74\uac15 \uae30\ub85d \uc2dc\uc2a4\ud15c\uc740 \ub370\uc774\ud130 \ubb34\uacb0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \ud658\uc790 \uc18c\uc720\uad8c\uc744 \uc720\uc9c0\ud558\uba70, \ub85c\ubd07 \ud504\ub85c\uc138\uc2a4 \uc790\ub3d9\ud654(RPA)\ub294 \ud61c\ud0dd \uc2b9\uc778\uc5d0\uc11c \uc0c1\ub2f9\ud55c \ube44\uc6a9 \uc808\uac10\uc744 \uac00\uc838\uc635\ub2c8\ub2e4. \uc18c\ub9e4, \uc804\uc790\uc0c1\uac70\ub798, \uacf5\uacf5 \ubd80\ubb38, IT-\ud1b5\uc2e0, \uad50\uc721 \ubd80\ubb38\ub3c4 \uac01\uc790\uc758 \uc601\uc5ed\uc5d0\uc11c DTM \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ucc44\ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uad50\uc721 \ud589\uc815\uac00\ub4e4\uc740 \ubcf4\uc870\uae08, \uae30\ubd80\uae08 \ubc0f \uacf5\uae09\uc5c5\uccb4 \uacc4\uc57d\uc744 \uc704\ud55c \uacc4\uc57d \uc218\uba85 \uc8fc\uae30 \ub3c4\uad6c\ub97c \ucc44\ud0dd\ud558\uc5ec \uc778\ub825 \uc99d\uc6d0 \uc5c6\uc774 \uc9c0\ucd9c \uac10\ub3c5\uc744 \uba85\ud655\ud788 \ud569\ub2c8\ub2e4.<\/p>\n<p># 5. \uc9c0\uc5ed \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 DTM \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 29.85%\ub97c \ucc28\uc9c0\ud558\uba70 \uc120\ub450\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc804\uc790 \uae30\ub85d\uc5d0 \ub300\ud55c \uc131\uc219\ud55c \ubc95\uc801 \uba85\ud655\uc131\uc740 \ubbfc\uac04 \ubd80\ubb38\uacfc \uc5f0\ubc29 \ubd80\ubb38 \ubaa8\ub450\uc758 \ucc44\ud0dd\uc744 \uc7a5\ub824\ud569\ub2c8\ub2e4. \ubbf8\uad6d \uad50\ud1b5\ubd80\uc758 \uc804\uc790 \uc57d\ubb3c \uac80\uc0ac \uc591\uc2dd\uc5d0 \ub300\ud55c \ubcf4\ub958 \uc911\uc778 \uaddc\uc815\uc740 \ub514\uc9c0\ud138 \uc2e0\ub8b0\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uaddc\uc81c \uac15\ud654\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ubbf8\uad6d\uc758 \ud5ec\uc2a4\ucf00\uc5b4 \uaddc\uc815 \uc900\uc218 \ub85c\ub4dc\ub9f5 \ub610\ud55c \uacf5\uae09\uc5c5\uccb4\uac00 HIPAA \ud638\ud658 \uc804\uc790\uc11c\uba85 \uc2a4\ud0dd\uc744 \ud65c\uc6a9\ud558\uc5ec \uccad\uad6c\ub97c \uac04\uc18c\ud654\ud568\uc5d0 \ub530\ub77c \uc0ac\uc6a9\uc744 \uac00\uc18d\ud654\ud569\ub2c8\ub2e4. \uc774 \uc9c0\uc5ed\uc5d0 \ubcf8\uc0ac\ub97c \ub454 \uae30\uc220 \uacf5\uae09\uc5c5\uccb4\ub4e4\uc740 \uc11c\ube44\uc2a4 \ud488\uc9c8\uc744 \ucc28\ubcc4\ud654\ud558\uace0 \ud504\ub9ac\ubbf8\uc5c4 \ub77c\uc774\uc120\uc2a4\ub97c \uc815\ub2f9\ud654\ud558\ub294 AI \uae30\ub2a5\uc744 \uacc4\uc18d \ucd9c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 27.8%\uc758 \uac00\uc7a5 \ub192\uc740 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4. \uc774 \uc9c0\uc5ed\uc740 \uc804 \uc138\uacc4 \ub514\uc9c0\ud138 \uacb0\uc81c\uc758 \uc808\ubc18 \uc774\uc0c1\uc744 \ucc98\ub9ac\ud558\uba70, B2C \uc804\uc790\uc0c1\uac70\ub798\ub294 2027\ub144\uae4c\uc9c0 4\uc870 \uc720\ub85c(4.3\uc870 \ub2ec\ub7ec)\ub97c \ucd08\uacfc\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc778\ub3c4\uc758 \ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4(UPI)\ub294 \uc5f0\uac04 2\ucc9c\uc5b5 \uac74 \uc774\uc0c1\uc758 \uac70\ub798\ub97c \ubaa9\ud45c\ub85c \ud558\uba70 \ud655\uc7a5 \uac00\ub2a5\ud55c \uc11c\uba85 \uc5d4\uc9c4\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc99d\ub300\uc2dc\ud0b5\ub2c8\ub2e4. \uc219\ubc15, \ubb3c\ub958 \ubc0f \uacf5\uacf5 \ud589\uc815 \ubd80\ubb38 \ub610\ud55c \ubaa8\ubc14\uc77c \uc6b0\uc120 \uc18c\ube44\uc790 \uae30\ubc18\uc5d0 \ubc1c\ub9de\ucdb0 \ub514\uc9c0\ud138 \uacc4\uc57d\uc744 \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uaddc\uc81c \uc774\uc9c8\uc131\uc774 \uc5ec\uc804\ud788 \uc874\uc7ac\ud558\uc9c0\ub9cc, \uc778\ub3c4\ub124\uc2dc\uc544\uc640 \uac19\uc740 \uad6d\uac00\ub4e4\uc740 \ud575\uc2ec \ub3d9\uc758 \uc6d0\uce59\uc774 \ucda9\uc871\ub420 \uacbd\uc6b0 \ub514\uc9c0\ud138 \uacc4\uc57d\uc744 \uc778\uc815\ud558\uba70 \uc810\uc9c4\uc801\uc778 \uc218\ub834\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: \uc870\ud654\ub41c eIDAS \uccb4\uc81c\uc758 \ud61c\ud0dd\uc744 \ubc1b\uc544 \uc801\uaca9 \uc804\uc790\uc11c\uba85\uc774 \uc218\uae30 \uc11c\uba85\uacfc \ub3d9\ub4f1\ud55c \ubc95\uc801 \ud6a8\ub825\uc744 \uac00\uc9d1\ub2c8\ub2e4. \ub2e4\uac00\uc624\ub294 eIDAS 2.0 \uc870\ud56d\uacfc EU \ub514\uc9c0\ud138 \uc2e0\uc6d0 \uc9c0\uac11\uc740 \uc6d0\ud65c\ud55c\uad6d\uacbd \uac04 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \ucd09\uc9c4\ud558\uace0 \uc2dc\ubbfc\uacfc \uae30\uc5c5\uc744 \uc704\ud55c \ub514\uc9c0\ud138 \uc0c1\ud638 \uc791\uc6a9\uc744 \uac04\uc18c\ud654\ud560 \uac83\uc785\ub2c8\ub2e4. \uc774\ub294 \ub514\uc9c0\ud138 \uacc4\uc57d \ubc0f \uc804\uc790 \uc11c\uba85 \uc194\ub8e8\uc158\uc758 \ucc44\ud0dd\uc744 \ub354\uc6b1 \uac00\uc18d\ud654\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ud2b9\ud788, \uae08\uc735 \uc11c\ube44\uc2a4, \uacf5\uacf5 \ud589\uc815 \ubc0f \uc758\ub8cc \ubd80\ubb38\uc5d0\uc11c \ub514\uc9c0\ud138 \uc804\ud658\uc774 \ud65c\ubc1c\ud558\uac8c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, \uac15\ub825\ud55c \ubcf4\uc548\uacfc \ubc95\uc801 \uc720\ud6a8\uc131\uc744 \uac16\ucd98 \uc804\uc790 \uc11c\uba85\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc740 \ub514\uc9c0\ud138 \ub2e8\uc77c \uc2dc\uc7a5\uc744 \uac15\ud654\ud558\ub824\ub294 \ub178\ub825\uc758 \uc77c\ud658\uc73c\ub85c, \uc2e0\ub8b0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4(TSP)\uc758 \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ud601\uc2e0\uc801\uc778 \uc11c\uba85 \uae30\uc220\uc758 \ubc1c\uc804\uc744 \uc774\ub04c\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ub514\uc9c0\ud138 \ud2b8\ub79c\uc7ad\uc158 \uad00\ub9ac(DTM) \uc2dc\uc7a5 \ubcf4\uace0\uc11c \uc694\uc57d<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub514\uc9c0\ud138 \ud2b8\ub79c\uc7ad\uc158 \uad00\ub9ac(DTM) \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. DTM\uc740 \uc885\uc774 \uae30\ubc18 \ubb38\uc11c \ud504\ub85c\uc138\uc2a4\ub97c \uc644\uc804\ud788 \ub514\uc9c0\ud138\ud654\ud558\uc5ec \uac70\ub798 \ud504\ub85c\uc138\uc2a4\uc758 \ub514\uc9c0\ud138 \uc2e4\ud589\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc194\ub8e8\uc158 \ubc0f \uc11c\ube44\uc2a4\ub97c \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub294 \uc804\uc790 \uc11c\uba85, \ubb38\uc11c \uc804\uc1a1 \ubc0f \uc778\uc99d, \ub370\uc774\ud130 \ubc0f \uc591\uc2dd \ud1b5\ud569 \ubc0f \uad00\ub9ac, \uadf8\ub9ac\uace0 \uc804\uc790 \uac70\ub798 \ubc0f \uad00\ub828 \ubb38\uc11c\ub97c \uad00\ub9ac\ud558\ub294 \ub2e4\uc591\ud55c \uba54\ud0c0 \ud504\ub85c\uc138\uc2a4\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4. \uc8fc\uc694 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\uc73c\ub85c\ub294 BFSI(\uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8), \ud5ec\uc2a4\ucf00\uc5b4 \ubc0f \uc0dd\uba85 \uacfc\ud559, \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798, \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38, IT \ubc0f \ud1b5\uc2e0, \uad50\uc721 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd:<br \/>\nDTM \uc2dc\uc7a5\uc740 2031\ub144\uae4c\uc9c0 23.35%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\ub85c \uc131\uc7a5\ud558\uc5ec 716\uc5b5 4\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ud2b9\ud788 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960 \uc99d\uac00, \uc815\ubd80\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc774\ub2c8\uc154\ud2f0\ube0c, \uadf8\ub9ac\uace0 \uae09\uc99d\ud558\ub294 \uc804\uc790\uc0c1\uac70\ub798 \ubb3c\ub7c9\uc5d0 \ud798\uc785\uc5b4 2031\ub144\uae4c\uc9c0 27.8%\uc758 \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \uae30\ub85d\ud558\uba70 \uac00\uc7a5 \ud070 \uc131\uc7a5 \uc7a0\uc7ac\ub825\uc744 \uc81c\uacf5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uad6c\uc131 \uc694\uc18c\ubcc4\ub85c\ub294 \uc194\ub8e8\uc158\ubcf4\ub2e4 \uc11c\ube44\uc2a4 \ubd80\ubb38\uc774 \ub354 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \ubcf4\uc774\uba70, \uc774\ub294 \uae30\uc5c5\ub4e4\uc774 DTM \ub3c4\uad6c\ub97c \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c\uacfc \uc5f0\uacb0\ud558\uae30 \uc704\ud55c \uc804\ubb38\uc801\uc778 \ud1b5\ud569, \uaddc\uc81c \uc900\uc218 \ubc0f \uad00\ub9ac \uc9c0\uc6d0\uc744 \ud544\uc694\ub85c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uc11c\ube44\uc2a4 \ub9e4\ucd9c\uc740 27.62%\uc758 CAGR\uc744 \ubcf4\uc77c \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778:<br \/>\nDTM \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \uc0b0\uc5c5 \uc804\ubc18\uc5d0 \uac78\uce5c \uc804\uc790 \uc11c\uba85 \ucc44\ud0dd \uac00\uc18d\ud654.<br \/>\n*   BFSI \ubc0f \uc815\ubd80 \ubd80\ubb38\uc5d0\uc11c \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \uacc4\uc57d \uc218\uba85 \uc8fc\uae30 \uc790\ub3d9\ud654\ub85c\uc758 \uc804\ud658.<br \/>\n*   \uc6d0\uaca9 \uadfc\ubb34 \uc758\ubb34\ud654\ub85c \uc778\ud55c \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 DTM \ub3c4\uc785 \uc99d\uac00.<br \/>\n*   \uc0dd\uc131\ud615 AI \ube44\uc11c\uc758 \ub3c4\uc785\uc73c\ub85c \uc778\ud55c \ubb38\uc11c \ucc98\ub9ac \uc2dc\uac04 \ub2e8\ucd95.<br \/>\n*   \uc544\uc2dc\uc544 \uc804\uc790\uc0c1\uac70\ub798 \uc2dc\uc7a5\uc5d0\uc11c \ud074\ub9ad-\ub7a9(Click-Wrap) \uc218\uc6a9 \uc99d\uac00.<br \/>\n*   eIDAS 2.0, Aadhaar, NID\uc640 \uac19\uc740 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ud504\ub808\uc784\uc6cc\ud06c\uc758 \ud655\uc0b0.<br \/>\n*   \ud074\ub77c\uc6b0\ub4dc \ud655\uc7a5\uc131, \uc5c4\uaca9\ud55c \uaddc\uc81c \uc900\uc218 \uc694\uad6c\uc0ac\ud56d, \uadf8\ub9ac\uace0 \ub370\uc774\ud130 \ubb34\uacb0\uc131\uc744 \uc720\uc9c0\ud558\uba74\uc11c \ucc98\ub9ac \uc2dc\uac04\uc744 \ucd5c\ub300 75% \ub2e8\ucd95\ud558\ub294 AI \uae30\ubc18 \ubb38\uc11c \uc790\ub3d9\ud654.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778:<br \/>\n\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 \ubcf5\uc7a1\ud55c \uad6d\uacbd \uac04 \uc554\ud638\ud654 \uc11c\uba85 \uaddc\uc81c, \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c\uc758 \uc801\uaca9 \uc6d0\uaca9 \uc2e0\uc6d0 \ubcf4\uc99d \ube44\uc6a9 \ubd80\ub2f4, \ud30c\ud3b8\ud654\ub41c \ub808\uac70\uc2dc \ud575\uc2ec \ubc45\ud0b9 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub85c \uc778\ud55c \uc644\uc804 \uc790\ub3d9\ud654 \uc800\ud574, \uadf8\ub9ac\uace0 \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc81c\ud55c\uc801\uc778 5G\/\uc5e3\uc9c0 \uc778\ud504\ub77c\ub85c \uc778\ud55c \ubaa8\ubc14\uc77c DTM \uc0ac\uc6a9 \ub454\ud654 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \ubd84\uc11d:<br \/>\n\ubcf4\uace0\uc11c\ub294 \uc2dc\uc7a5\uc744 \ub2e4\uc74c\uacfc \uac19\uc774 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<br \/>\n*   \uad6c\uc131 \uc694\uc18c\ubcc4: \uc194\ub8e8\uc158, \uc11c\ube44\uc2a4<br \/>\n*   \ubc30\ud3ec \ubaa8\ub4dc\ubcc4: \ud074\ub77c\uc6b0\ub4dc, \uc628\ud504\ub808\ubbf8\uc2a4<br \/>\n*   \uc870\uc9c1 \uaddc\ubaa8\ubcc4: \uc911\uc18c\uae30\uc5c5(SME), \ub300\uae30\uc5c5<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4: BFSI, \ud5ec\uc2a4\ucf00\uc5b4 \ubc0f \uc0dd\uba85 \uacfc\ud559, \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798, \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38, IT \ubc0f \ud1b5\uc2e0, \uad50\uc721, \uae30\ud0c0 \uc0b0\uc5c5<br \/>\n*   \uc9c0\uc5ed\ubcc4: \ubd81\ubbf8(\ubbf8\uad6d, \uce90\ub098\ub2e4, \uba55\uc2dc\ucf54), \uc720\ub7fd(\uc601\uad6d, \ub3c5\uc77c, \ud504\ub791\uc2a4, \uc774\ud0c8\ub9ac\uc544 \ub4f1), \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591(\uc911\uad6d, \uc77c\ubcf8, \uc778\ub3c4, \ud55c\uad6d \ub4f1), \ub0a8\ubbf8, \uc911\ub3d9, \uc544\ud504\ub9ac\uce74<\/p>\n<p>\ube14\ub85d\uccb4\uc778 \ubc0f \uc911\uc18c\uae30\uc5c5\uc758 \uc5ed\ud560:<br \/>\n\ube14\ub85d\uccb4\uc778 \uae30\uc220\uc740 \uac10\uc0ac \uac00\ub2a5\uc131\uc744 \uac15\ud654\ud558\uace0 \uacb0\uc81c \uc8fc\uae30\ub97c \ub2e8\ucd95\ud558\ub294 \ub370 \uae30\uc5ec\ud558\uba70, Citi Token Services\uc640 \uac19\uc740 \ud504\ub85c\uc81d\ud2b8\ub97c \ud1b5\ud574 \uc5c4\uaca9\ud55c \uc740\ud589 \ud1b5\uc81c\ub97c \ucda9\uc871\ud558\ub294 \uc2e4\uc2dc\uac04 \ud604\uae08 \uc774\ub3d9\uc744 \uc2dc\uc5f0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5\uc740 \ub514\uc9c0\ud138 \uc778\ubcf4\uc774\uc2a4 \ubc0f \uc804\uc790 \uc11c\uba85 \ub3c4\uc785 \ud6c4 \ud604\uae08 \ud68c\uc218\uc728 29% \uac00\uc18d\ud654 \ubc0f \uc5f0\uccb4\uc728 45% \uac10\uc18c\ub97c \ubcf4\uace0\ud558\uba70 \ub300\uae30\uc5c5\uacfc\uc758 DTM \ub3c4\uc785 \uaca9\ucc28\ub97c \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubc0f \uae30\ud68c:<br \/>\n\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc740 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d \ubc0f Adobe Inc., DocuSign, Inc., Dropbox, Inc., OneSpan Inc., Thales Group \ub4f1 \uc8fc\uc694 \ubca4\ub354\ub4e4\uc758 \uc0c1\uc138 \ud504\ub85c\ud544\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \ub610\ud55c, \ubcf4\uace0\uc11c\ub294 \ubbf8\uac1c\ucc99 \uc601\uc5ed(White-Space) \ubc0f \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 DTM \uc2dc\uc7a5\uc758 \ud604\uc7ac \uc0c1\ud0dc, \ubbf8\ub798 \uc131\uc7a5 \ub3d9\ub825, \uc81c\uc57d \uc694\uc778, \uadf8\ub9ac\uace0 \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\ub4e4\uc758 \uc804\ub7b5\uc801 \uc704\uce58\ub97c \uc774\ud574\ud558\ub294 \ub370 \ud544\uc218\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-38040","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\/38040"}],"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=38040"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/38040\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=38040"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=38040"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=38040"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}