{"id":39110,"date":"2026-02-12T10:36:34","date_gmt":"2026-02-12T10:36:34","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/anti-money-laundering-solutions-market-mordor\/"},"modified":"2026-10-23T06:56:49","modified_gmt":"2026-10-22T21:56:49","slug":"anti-money-laundering-solutions-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/anti-money-laundering-solutions-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc194\ub8e8\uc158 \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\/anti-money-laundering-solutions-market-1751546414691-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\/anti-money-laundering-solutions-market-size-image-1770621602412.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. \uc8fc\uc694 \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 EU AMLR 2023\uc5d0 \ub530\ub978 \uc2e4\uc2dc\uac04 \uaddc\uc815 \uc900\uc218 \uc758\ubb34<\/li>\n<li class=\"toc-level-3\">4.2.2 \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c(RTP, FedNow) \ud655\uc7a5\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1 \ubcfc\ub968 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.3 APAC \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ub77c\uc774\uc120\uc2f1\uc73c\ub85c \ube14\ub85d\uccb4\uc778 \ubd84\uc11d \uc9c0\ucd9c \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 SEC \ub4f1\ub85d \ud22c\uc790 \uc790\ubb38\uc0ac\ub97c \ud3ec\ud568\ud558\ub294 FinCEN \uaddc\uc815\uc73c\ub85c \uc790\uc0b0 \uad00\ub9ac AML \uc608\uc0b0 \uc99d\ub300<\/li>\n<li class=\"toc-level-3\">4.2.5 FATF \uadf8\ub808\uc774\ub9ac\uc2a4\ud2b8 \uc555\ub825\uc73c\ub85c \uace0\uc704\ud5d8 \uacbd\uc81c\uad6d\uc758 \uc5c5\uadf8\ub808\uc774\ub4dc \uac00\uc18d\ud654<\/li>\n<li class=\"toc-level-3\">4.2.6 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ubc0f eKYC \ud50c\ub7ab\ud3fc\uacfc AML \uc2a4\ud0dd\uc758 \uc735\ud569<\/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 2\ub4f1\uae09 \uc740\ud589\uc758 \ub192\uc740 \uc624\ud0d0 \uc870\uc0ac \ube44\uc6a9<\/li>\n<li class=\"toc-level-3\">4.3.2 \uc544\uc138\uc548\uc758 \ub370\uc774\ud130 \uc0c1\uc8fc \ubc95\ub960\ub85c \ud074\ub77c\uc6b0\ub4dc AML \ucc44\ud0dd \uc81c\ud55c<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc124\uba85 \uac00\ub2a5\ud55c AI \ubaa8\ub378 \ubd80\uc871\uc73c\ub85c \uaddc\uc81c \uae30\uad00 \uc2b9\uc778 \uc800\ud574<\/li>\n<li class=\"toc-level-3\">4.3.4 \uc544\ud504\ub9ac\uce74\uc758 \ucd95\uc18c\ub418\ub294 \ud658\uac70\ub798 \uc740\ud589\ub9dd\uc73c\ub85c \uac00\uc6a9 \uc2dc\uc7a5 \ucd95\uc18c<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \ub610\ub294 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.6 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\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<\/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 \uc194\ub8e8\uc158\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c<\/li>\n<li class=\"toc-level-3\">5.1.2 \uace0\uac1d \uc54c\uae30 \uc81c\ub3c4 \/ \uace0\uac1d \uc2e4\uc0ac (KYC\/CDD)<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc81c\uc7ac \ubc0f PEP \uc2ec\uc0ac<\/li>\n<li class=\"toc-level-3\">5.1.4 \uc0ac\ub840 \ubc0f \uacbd\uace0 \uad00\ub9ac<\/li>\n<li class=\"toc-level-3\">5.1.5 \ud1b5\ud654 \uac70\ub798 \ubc0f \uaddc\uc81c \ubcf4\uace0<\/li>\n<li class=\"toc-level-3\">5.1.6 \ubb34\uc5ed \uae30\ubc18 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ubd84\uc11d<\/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 \uc18c\ud504\ud2b8\uc6e8\uc5b4<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc11c\ube44\uc2a4 (\uad00\ub9ac\ud615, \uc804\ubb38\ud615)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ubc30\ud3ec \ubaa8\ub378\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc628\ud504\ub808\ubbf8\uc2a4<\/li>\n<li class=\"toc-level-3\">5.3.2 \ud074\ub77c\uc6b0\ub4dc<\/li>\n<li class=\"toc-level-3\">5.3.3 \ud558\uc774\ube0c\ub9ac\ub4dc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc870\uc9c1 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ub300\uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.4.2 \uc911\uc18c\uae30\uc5c5<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">5.5.2 \ubcf4\ud5d8<\/li>\n<li class=\"toc-level-3\">5.5.3 \ud540\ud14c\ud06c \ubc0f \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc790\uc0b0 \ubc0f \ud22c\uc790 \uad00\ub9ac \/ \ud22c\uc790 \uc790\ubb38\uac00<\/li>\n<li class=\"toc-level-3\">5.5.5 \uac8c\uc784 \ubc0f \ub3c4\ubc15 \uc6b4\uc601\uc5c5\uccb4<\/li>\n<li class=\"toc-level-3\">5.5.6 \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ubc0f \uac00\uc0c1\uc790\uc0b0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/li>\n<li class=\"toc-level-3\">5.5.7 \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.6 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.6.1 \ubd81\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.6.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.6.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.6.1.3 \uba55\uc2dc\ucf54<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.6.2 \ub0a8\ubbf8\n<ul>\n<li class=\"toc-level-4\">5.6.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.6.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.6.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.6.3 \uc720\ub7fd\n<ul>\n<li class=\"toc-level-4\">5.6.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.6.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.6.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.6.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.6.3.5 \ubd81\uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.6.3.6 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.6.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\n<ul>\n<li class=\"toc-level-4\">5.6.4.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.6.4.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.6.4.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.6.4.4 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.6.4.5 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.6.4.6 \ub274\uc9c8\ub79c\ub4dc<\/li>\n<li class=\"toc-level-4\">5.6.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.6.5 \uc911\ub3d9\n<ul>\n<li class=\"toc-level-4\">5.6.5.1 GCC \uad6d\uac00<\/li>\n<li class=\"toc-level-4\">5.6.5.2 \ud280\ub974\ud0a4\uc608<\/li>\n<li class=\"toc-level-4\">5.6.5.3 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-3\">5.6.6 \uc544\ud504\ub9ac\uce74\n<ul>\n<li class=\"toc-level-4\">5.6.6.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.6.6.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.6.6.3 \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 \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 SAS Institute Inc.<\/li>\n<li class=\"toc-level-3\">6.4.2 NICE Actimize (NICE Ltd)<\/li>\n<li class=\"toc-level-3\">6.4.3 Oracle Corporation<\/li>\n<li class=\"toc-level-3\">6.4.4 Refinitiv Ltd (LSEG)<\/li>\n<li class=\"toc-level-3\">6.4.5 LexisNexis Risk Solutions<\/li>\n<li class=\"toc-level-3\">6.4.6 Fair Isaac Corporation (FICO)<\/li>\n<li class=\"toc-level-3\">6.4.7 ACI Worldwide Inc.<\/li>\n<li class=\"toc-level-3\">6.4.8 Fiserv Inc.<\/li>\n<li class=\"toc-level-3\">6.4.9 BAE Systems plc<\/li>\n<li class=\"toc-level-3\">6.4.10 Tata Consultancy Services Ltd<\/li>\n<li class=\"toc-level-3\">6.4.11 Temenos AG<\/li>\n<li class=\"toc-level-3\">6.4.12 Nasdaq Inc.<\/li>\n<li class=\"toc-level-3\">6.4.13 Experian Information Solutions Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 Moody&#8217;s Analytics, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.15 Wolters Kluwer NV<\/li>\n<li class=\"toc-level-3\">6.4.16 Intellect Design Arena Ltd<\/li>\n<li class=\"toc-level-3\">6.4.17 Jumio Corporation<\/li>\n<li class=\"toc-level-3\">6.4.18 Trulioo Information Services Inc.<\/li>\n<li class=\"toc-level-3\">6.4.19 Accenture plc<\/li>\n<li class=\"toc-level-3\">6.4.20 IBM Corporation<\/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>\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc194\ub8e8\uc158 \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc804\ub9dd (2026-2031)<\/p>\n<p>\uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc740 2025\ub144 34\uc5b5 3\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 40\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud558\uace0, 2031\ub144\uc5d0\ub294 92\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc608\uce21 \uae30\uac04(2026-2031) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 18.02%\ub97c \uae30\ub85d\ud560 \uc804\ub9dd\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc9c0\uc18d\uc801\uc778 \uc131\uc7a5\uc740 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uac15\ud654\ub418\ub294 \uaddc\uc81c, \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ud655\uc0b0, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uc790\uc0b0 \uacbd\uc81c\uc758 \uc131\uc7a5\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4.<\/p>\n<p>1. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \ub3d9\ud5a5<\/p>\n<p>*   \uc2dc\uc7a5 \uaddc\ubaa8: 2025\ub144 34\uc5b5 3\ucc9c\ub9cc \ub2ec\ub7ec, 2026\ub144 40\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec, 2031\ub144 92\uc5b5 7\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5 \uc608\uc0c1.<br \/>\n*   \uc131\uc7a5\ub960: 2026-2031\ub144 \uc5f0\ud3c9\uade0 18.02% \uc131\uc7a5.<br \/>\n*   \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed.<br \/>\n*   \uac00\uc7a5 \ud070 \uc2dc\uc7a5: \ubd81\ubbf8 \uc9c0\uc5ed.<br \/>\n*   \uc2dc\uc7a5 \uc9d1\uc911\ub3c4: \uc911\uac04 \uc218\uc900.<br \/>\n*   \uc8fc\uc694 \uae30\uc5c5: SAS Institute, Inc., NICE Actimize (Nice Ltd), LexisNexis Risk Solutions, Fair Isaac Corporation (FICO), Oracle Corporation \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2. \uc2dc\uc7a5 \ubd84\uc11d \ubc0f \uc8fc\uc694 \ub3d9\uc778<\/p>\n<p>\uae08\uc735 \ubd80\ubb38 \uacbd\uc601\uc9c4\ub4e4\uc740 AML \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc774 \ub354\uc6b1 \uc5c4\uaca9\ud574\uc9c4 \uae00\ub85c\ubc8c \uaddc\uc81c, \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \uac00\uc18d\ud654, \uadf8\ub9ac\uace0 \ud655\uc7a5\ub418\ub294 \ub514\uc9c0\ud138 \uc790\uc0b0 \uacbd\uc81c\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub41c\ub2e4\uace0 \ubd84\uc11d\ud569\ub2c8\ub2e4. \uae30\uad00\ub4e4\uc740 \uc815\uc801\uc778 \uaddc\uce59 \uae30\ubc18 \ub3c4\uad6c\uc5d0\uc11c \ubc97\uc5b4\ub098 \uba38\uc2e0\ub7ec\ub2dd \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc804\ud658\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc624\ud0d0(false-positive) \uacbd\uace0\ub97c \ucd5c\ub300 70%\uae4c\uc9c0 \uc904\uc5ec \uadc0\uc911\ud55c \uaddc\uc81c \uc900\uc218 \uc790\uc6d0\uc744 \uace0\ubd80\uac00\uac00\uce58 \uc870\uc0ac \uc5c5\ubb34\uc5d0 \uc9d1\uc911\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \ub610\ud55c, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubc30\ud3ec\ub294 \uacb0\uc81c \ud2b8\ub798\ud53d \uae09\uc99d \uc2dc \ud0c4\ub825\uc801\uc73c\ub85c \ud655\uc7a5\ub418\uc5b4 \uce21\uc815 \uac00\ub2a5\ud55c \ube44\uc6a9 \ud6a8\uc728\uc131\uc744 \uc81c\uacf5\ud558\uba70, \uc774\ub294 FedNow\uc640 \uac19\uc740 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ub3c4\uc785 \uc774\ud6c4 \ub354\uc6b1 \uc911\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4.<\/p>\n<p>3. \uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d (\uc138\uadf8\uba3c\ud2b8\ubcc4 \ubd84\uc11d)<\/p>\n<p>*   \uc194\ub8e8\uc158\ubcc4:<br \/>\n    *   \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c: 2025\ub144 \ub9e4\ucd9c\uc758 31.42%\ub97c \ucc28\uc9c0\ud558\uba70 \ud575\uc2ec \uac10\uc2dc \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \ub2f4\ub2f9\ud569\ub2c8\ub2e4. \ud655\ub960 \uae30\ubc18 \uba38\uc2e0\ub7ec\ub2dd\uc744 \ub3c4\uc785\ud558\uc5ec \uacbd\uace0\ub7c9\uc744 70%\uae4c\uc9c0 \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \ubb34\uc5ed \uae30\ubc18 AML \ubd84\uc11d: 19.62%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70, \uad6d\uacbd\uc744 \ub118\ub294 \uac00\uce58 \uc774\uc804\uc744 \uc228\uae30\ub294 \uc1a1\uc7a5 \uc0ac\uae30 \ubc0f \uacfc\ub300 \uccad\uad6c \uacc4\ud68d\uc5d0 \ub300\ud55c \uaddc\uc81c \ub2f9\uad6d\uc758 \uc5c4\uaca9\ud55c \uc870\uc0ac\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<br \/>\n    *   KYC\/CDD (\uace0\uac1d \uc54c\uae30\/\uace0\uac1d \uc2e4\uc0ac) \ub3c4\uad6c: \uc815\uc801 \uac80\uc99d\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc8fc\uae30\uc801\uc778 \uc2ec\uc0ac \ubc0f \ud589\ub3d9 \ud2b8\ub9ac\uac70\ub97c \ud65c\uc6a9\ud558\uc5ec \ub3d9\uc801\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1\uc744 \uac15\ud654\ud558\ub294 \uc9c0\uc18d\uc801\uc778 \uc704\ud5d8 \uc810\uc218\ud654\ub85c \uc804\ud658\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \uc81c\uc7ac \ubc0f PEP (\uc815\uce58\uc801 \uc8fc\uc694 \uc778\ubb3c) \uc2ec\uc0ac \ubaa8\ub4c8: \uc790\uc5f0\uc5b4 \ucc98\ub9ac(NLP)\ub97c \ub3c4\uc785\ud558\uc5ec \uac1c\uccb4 \uc774\ub984 \ubcc0\ud615\uc744 \ud574\uacb0\ud558\uace0, \uc624\ud0d0\uc744 \uc904\uc774\uba74\uc11c \uc77c\uce58\uc728\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \uc0ac\ub840 \uad00\ub9ac \uc2a4\uc704\ud2b8: \uc870\uc0ac \uc9c0\uc2dd \uadf8\ub798\ud504\ub97c \ub0b4\uc7a5\ud558\uc5ec \ubd84\ub958 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uac00\uc18d\ud654\ud558\uba70, \uaddc\uc81c \ubcf4\uace0 \ud558\uc704 \uc2dc\uc2a4\ud15c\uc740 \uad6c\uc870\ud654\ub41c \uacbd\uace0 \ub370\uc774\ud130\uc5d0\uc11c \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9 \ubcf4\uace0\uc11c(SAR)\ub97c \uc790\ub3d9 \uc0dd\uc131\ud558\uc5ec \uc218\ub3d9 \uc785\ub825\uc744 \uc904\uc785\ub2c8\ub2e4.<br \/>\n    *   \ud1b5\ud569 \ubb34\uc5ed \ubd84\uc11d \ub300\uc2dc\ubcf4\ub4dc\ub97c \uc870\uae30 \ub3c4\uc785\ud55c \uae30\uc5c5\ub4e4\uc740 \uc77c\ubc18\uc801\uc778 \uac10\uc2dc \ubaa9\ub85d \ub3c4\uad6c\uc5d0 \ube44\ud574 \uac00\uaca9 \uc870\uc791 \ud328\ud134 \ud0d0\uc9c0\uc728\uc774 40% \ub354 \ub192\uac8c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uad6c\uc131 \uc694\uc18c\ubcc4:<br \/>\n    *   \uc18c\ud504\ud2b8\uc6e8\uc5b4: 2025\ub144 AML \uc194\ub8e8\uc158 \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 70.55%\ub97c \ucc28\uc9c0\ud558\uba70 \uc5ec\uc804\ud788 \uc9c0\ubc30\uc801\uc785\ub2c8\ub2e4.<br \/>\n    *   \uc11c\ube44\uc2a4: 18.12%\uc758 CAGR\ub85c \uc131\uc7a5\ud558\uba70, \uae30\uad00\ub4e4\uc774 \uc804\ubb38\uc801\uc778 \ubaa8\ub378 \ud29c\ub2dd \ubc0f \uad00\ub9ac \uc6b4\uc601 \uc9c0\uc6d0\uc744 \ubaa8\uc0c9\ud568\uc5d0 \ub530\ub77c \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\uaddc\ubaa8 \uc740\ud589\uc758 65%\ub294 \uc804\uccb4 \uac10\uc2dc \ub77c\uc774\ud504\uc0ac\uc774\ud074\uc744 \uad00\ub9ac \uc11c\ube44\uc2a4 \uacf5\uae09\uc5c5\uccb4\uc5d0 \uc544\uc6c3\uc18c\uc2f1\ud558\ub294 \ubaa8\ub378\uc744 \uc120\ud638\ud569\ub2c8\ub2e4. \ub370\uc774\ud130 \uacfc\ud559 \ubc0f \uae08\uc735 \ubc94\uc8c4 \ubd84\uc11d \ubd84\uc57c\uc758 \uae30\uc220 \uaca9\ucc28\uac00 \ud655\ub300\ub428\uc5d0 \ub530\ub77c, \uae30\uad00\ub4e4\uc740 \uacf5\ub3d9 \uc18c\uc2f1 \uc6b4\uc601 \ubaa8\ub378\uc744 \uc778\uc7ac \ubd80\uc871\uc5d0 \ub300\ud55c \ud5e4\uc9c0\ub85c \uac04\uc8fc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubaa8\ub378\ubcc4:<br \/>\n    *   \uc628\ud504\ub808\ubbf8\uc2a4: 2025\ub144 AML \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc758 47.30%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<br \/>\n    *   \ud074\ub77c\uc6b0\ub4dc: 18.44%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70, \uae08\uc735 \uae30\uc5c5\ub4e4\uc774 \ud53c\ud06c \uae30\uac04 \uac10\uc2dc \ubd80\ud558\uc5d0 \ub300\ud55c \uc989\uac01\uc801\uc778 \ud504\ub85c\ube44\uc800\ub2dd\uc744 \uc218\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. MasterCard\uc758 TRACE \ucd9c\uc2dc\ub294 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc778\uc811\uc131\uc774 \uacbd\uc7c1 \uc6b0\uc704\uac00 \ub418\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n    *   \ud558\uc774\ube0c\ub9ac\ub4dc: \ud074\ub77c\uc6b0\ub4dc\uc5d0 \ub9c8\uc774\ud06c\ub85c \uc11c\ube44\uc2a4 \uad6c\uc131 \uc694\uc18c\ub97c \ucd94\uac00\ud558\uba74\uc11c \uc628\uc0ac\uc774\ud2b8\uc5d0 \ub808\uac70\uc2dc \uc0ac\ub840 \uad00\ub9ac \ucf54\uc5b4\ub97c \uc720\uc9c0\ud558\ub294 \ubc29\uc2dd\uc740 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc758\ubb34\uc5d0 \uc9c1\uba74\ud55c \uae30\uad00\ub4e4\uc774 \uc120\ud638\ud569\ub2c8\ub2e4.<br \/>\n*   \uc870\uc9c1 \uaddc\ubaa8\ubcc4:<br \/>\n    *   \ub300\uae30\uc5c5: 2025\ub144 AML \uc194\ub8e8\uc158 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 63.20%\ub97c \ucc28\uc9c0\ud558\uba70 \uc8fc\uc694 \uad6c\ub9e4\uc790\uc785\ub2c8\ub2e4.<br \/>\n    *   \uc911\uc18c\uae30\uc5c5(SMEs): 18.74%\uc758 CAGR\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uba70, \ud55c\ub54c \ub2e4\uad6d\uc801 \uc740\ud589\uc5d0\ub9cc \uad6d\ud55c\ub418\uc5c8\ub358 \uae30\ub2a5\uc744 \uc790\uccb4 \uc11c\ube44\uc2a4 \uad6c\uc131 \ub9c8\ubc95\uc0ac\uc640 \uc18c\ube44 \uae30\ubc18 \uac00\uaca9 \ucc45\uc815\uc744 \ud1b5\ud574 \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \ub300\uae30\uc5c5 \uad6c\ub9e4\uc790\ub4e4\uc740 \ub2e4\uc911 \uad00\ud560\uad8c \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158, AI \uc124\uba85 \uac00\ub2a5\uc131, \ud1b5\ud569 \uc81c\uc7ac \uc2ec\uc0ac\ub97c \uac15\uc870\ud558\ub294 \ubc18\uba74, \uc911\uc18c\uae30\uc5c5 \uc758\uc0ac \uacb0\uc815\uc790\ub4e4\uc740 \ube60\ub978 \uc628\ubcf4\ub529, \ucd5c\uc18c\ud55c\uc758 \uc720\uc9c0\ubcf4\uc218, \uc0ac\uc6a9\ub7c9\uc5d0 \ub530\ub978 \ud655\uc7a5\uc131\uc744 \uc6b0\uc120\uc2dc\ud569\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4:<br \/>\n    *   \uc740\ud589: 2025\ub144 AML \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc758 56.35%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4.<br \/>\n    *   \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \ubc0f \uc720\ub7fd\uc5d0\uc11c \ub77c\uc774\uc120\uc2a4 \uc81c\ub3c4\uac00 \uc131\uc219\ud568\uc5d0 \ub530\ub77c 20.65%\uc758 CAGR\ub85c \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc911 \uccb4\uc778 \ubd84\uc11d\uc744 \ud1b5\ud574 \ubd88\ubc95 \uc9c0\uac11 \ud074\ub7ec\uc2a4\ud130 \ubc0f \uad50\ucc28 \uccb4\uc778 \ubbf9\uc11c\ub97c \ub354 \ub192\uc740 \uc815\ubc00\ub3c4\ub85c \ud0d0\uc9c0\ud569\ub2c8\ub2e4.<br \/>\n    *   \uc790\uc0b0 \uad00\ub9ac \uc790\ubb38\uc0ac: FinCEN\uc758 AML \uaddc\uc815\uc5d0 \uc0c8\ub85c \ud3ec\ud568\ub418\uc5b4 \ubcf5\uc7a1\ud55c \uc2e0\ud0c1 \uad6c\uc870\ub97c \ud574\uccb4\ud558\uae30 \uc704\ud55c \uc2e4\uc18c\uc720\uc790 \ubd84\uc11d\uc744 \ud1b5\ud569\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4: \uace0\uc18d \ub9c8\uc774\ud06c\ub85c \ud2b8\ub79c\uc7ad\uc158\uc758 \uad50\ucc28\uc810\uc5d0 \uc704\uce58\ud558\uba70, \uc2b9\uc778 \uc804\uc5d0 \uc1a1\uc2e0\uc790-\uc218\uc2e0\uc790 \uc30d\uc744 \uc2ec\uc0ac\ud558\ub294 \ubc00\ub9ac\ucd08 \uc218\uc900\uc758 \uc704\ud5d8 \uc810\uc218\ub97c \uc2dc\ubc94 \uc6b4\uc601\ud558\uc5ec \uacbd\uace0 \ud53c\ub85c\ub3c4\ub97c \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \ubcf4\ud5d8\uc0ac: \uc0ac\uae30\ub97c \ub118\uc5b4 \uc81c\uc7ac \ub178\ucd9c\uae4c\uc9c0 \uac10\uc2dc\ub97c \ud655\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n    *   \uac8c\uc784 \uc6b4\uc601\uc790: \uc778\uc2dd\ub41c \uc790\uae08\uc138\ud0c1 \ud5c8\uc810\uc744 \ub9c9\uae30 \uc704\ud574 \ud14c\uc774\ube14 \uce69 \uad6c\ub9e4 \ubaa8\ub2c8\ud130\ub9c1\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>4. \uae00\ub85c\ubc8c AML \uc194\ub8e8\uc158 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30 (\uc131\uc7a5 \ub3d9\uc778)<\/p>\n<p>*   EU AMLR 2023\uc5d0 \ub530\ub978 \uc2e4\uc2dc\uac04 \uaddc\uc81c \uc900\uc218 \uc758\ubb34: \uc720\ub7fd \uc5f0\ud569\uc758 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uaddc\uc815\uc740 \ubaa8\ub4e0 \uc2e0\uc6a9 \ubc0f \uacb0\uc81c \uae30\uad00\uc774 \uc57c\uac04 \uc77c\uad04 \uac80\ud1a0\uc5d0\uc11c \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1\uc73c\ub85c \uc804\ud658\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uc5ec, \ubc00\ub9ac\ucd08 \uc9c0\uc5f0 \uc2dc\uac04\uc73c\ub85c \ub300\ub7c9 \ub370\uc774\ud130\ub97c \ucc98\ub9ac\ud558\ub294 AI \uae30\ubc18 \uac10\uc2dc \uc5d4\uc9c4\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uac00\uc18d\ud654\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud50c\ub7ab\ud3fc\uc744 \uc0ac\uc6a9\ud558\ub294 \uc740\ud589\ub4e4\uc740 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9 \ud0d0\uc9c0 \uc2dc\uac04\uc774 35% \ube68\ub77c\uc9c0\uace0 \uc870\uc0ac \uc2dc\uac04\uc774 28% \ub2e8\ucd95\ub418\uc5c8\ub2e4\uace0 \ubcf4\uace0\ud569\ub2c8\ub2e4. \uc774 \uc870\uce58\uc758 \uc5ed\uc678\uc801 \uc801\uc6a9 \ubc94\uc704\ub294 EU \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc81c3\uad6d \uae30\uad00\ub4e4\uc774 \uc811\uadfc \uc7a5\ubcbd\uc744 \ud53c\ud558\uae30 \uc704\ud574 \uc2dc\uc2a4\ud15c\uc744 \uc5c5\uadf8\ub808\uc774\ub4dc\ud568\uc5d0 \ub530\ub77c AML \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc744 EU \uc678\ubd80\ub85c \ud655\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc758 \ud655\uc7a5\uc73c\ub85c \ubaa8\ub2c8\ud130\ub9c1 \ubcfc\ub968 \uc99d\uac00: \ubbf8\uad6d\uc758 FedNow, \uc720\ub7fd\uc758 SEPA Instant \ubc0f \uc544\uc2dc\uc544 \uc804\uc5ed\uc758 \uc2e0\uc18d \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8\uc740 2024\ub144 \uc774\ud6c4 \ubaa8\ub2c8\ud130\ub9c1\ub418\ub294 \uac70\ub798 \uac74\uc218\ub97c 300% \uc774\uc0c1 \uc99d\uac00\uc2dc\ucf1c, \uae30\uc874 \uac10\uc2dc \ub3c4\uad6c\uc5d0 \ub0b4\uc7a5\ub41c \uc9c0\uc5f0 \uc2dc\uac04 \ubc84\ud37c\ub97c \uc555\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc218\ub3d9 \ubd84\ub958\ub97c \uc2dc\ub3c4\ud558\ub294 \uc911\uacac \uc740\ud589\ub4e4\uc740 \uaddc\uc81c \uc900\uc218 \uc778\ub825 \ube44\uc6a9\uc774 42% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. AI \uc9c0\uc6d0 \uacbd\uace0 \uad00\ub9ac \ubaa8\ub4c8\uc740 \uc870\uc0ac\uad00 \ucc98\ub9ac \uc2dc\uac04\uc744 \ucd5c\ub300 60%\uae4c\uc9c0 \ub2e8\ucd95\ud558\uc5ec, \uc8fc\uc694 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \uc6d0\ud65c\ud558\uac8c \ud1b5\ud569\ub418\ub294 \uacf5\uae09\uc5c5\uccb4\ub4e4\uc774 \uacbd\uc7c1 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ub77c\uc774\uc120\uc2a4 \ubd80\uc5ec\ub85c \ube14\ub85d\uccb4\uc778 \ubd84\uc11d \uc9c0\ucd9c \uc99d\uac00: \uc2f1\uac00\ud3ec\ub974, \uc77c\ubcf8, \ud638\uc8fc\ub294 \uac00\uc0c1 \uc790\uc0b0 \uac70\ub798\uc18c\uc5d0 \uc804\ud1b5\uc801\uc778 \uc740\ud589\uacfc \uc720\uc0ac\ud55c AML \ud1b5\uc81c\ub97c \uc758\ubb34\ud654\ud558\uc5ec, 2024\ub144 \ub77c\uc774\uc120\uc2a4\ub97c \ubc1b\uc740 \uc6b4\uc601\uc790\ub4e4\uc758 \uaddc\uc81c \uc900\uc218 \uae30\uc220 \uc608\uc0b0\uc774 85% \uae09\uc99d\ud588\uc2b5\ub2c8\ub2e4. \uc5ec\ub7ec \ube14\ub85d\uccb4\uc778\uc5d0 \uac78\uccd0 \uc9c0\uac11 \ud750\ub984\uc744 \ucd94\uc801\ud558\ub294 \uacf5\uae09\uc5c5\uccb4\ub4e4\uc740 \uad11\ubc94\uc704\ud55c AML \uc194\ub8e8\uc158 \uc2dc\uc7a5 \ub0b4\uc5d0\uc11c \ub3c5\uc790\uc801\uc778 \uc131\uc7a5 \ub3d9\ub825\uc744 \ud615\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   SEC \ub4f1\ub85d \ud22c\uc790 \uc790\ubb38\uc0ac\ub97c \ud3ec\uad04\ud558\ub294 FinCEN \uaddc\uc815: 125\uc870 \ub2ec\ub7ec\uc758 \uc790\uc0b0\uc744 \uad00\ub9ac\ud558\ub294 \uc57d 15,000\uac1c\uc758 \ud22c\uc790 \uc790\ubb38 \ud68c\uc0ac\ub4e4\uc740 2026\ub144 1\uc6d4\uae4c\uc9c0 \uc644\uc804\ud55c AML \ud504\ub85c\uadf8\ub7a8\uc744 \uad6c\ucd95\ud574\uc57c \ud569\ub2c8\ub2e4. \uc870\uae30 \ub3c4\uc785 \uae30\uc5c5\ub4e4\uc740 \uace0\uae09 \uace0\uac1d \uc704\ud5d8 \uc810\uc218\ud654\ub97c \ub2e8\uc21c\ud55c \uaddc\uc81c \uc900\uc218 \ube44\uc6a9\uc774 \uc544\ub2cc \uad00\uacc4 \uad00\ub9ac \uc774\uc810\uc73c\ub85c \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   FATF (\uad6d\uc81c\uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uae30\uad6c) \ud68c\uc0c9 \ubaa9\ub85d \uc555\ub825: \ud68c\uc0c9 \ubaa9\ub85d\uc5d0 \ub4f1\uc7ac\ub41c \uad6d\uac00\ub4e4\uc774 \uaddc\uc81c \uc900\uc218 \ub178\ub825\uc744 \uac15\ud654\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4.<br \/>\n*   \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ubc0f eKYC \ud50c\ub7ab\ud3fc\uc758 \uc735\ud569: \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ud655\uc778 \ubc0f \uc804\uc790 \uace0\uac1d \ud655\uc778(eKYC) \ud50c\ub7ab\ud3fc\uc758 \ud1b5\ud569\uc774 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>5. \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   Tier-2 \uc740\ud589\uc758 \ub192\uc740 \uc624\ud0d0 \uc870\uc0ac \ube44\uc6a9: \uaddc\uce59 \uae30\ubc18 \uc5d4\uc9c4\uc740 \uc5ec\uc804\ud788 90-95%\uc758 \uc624\ud0d0 \uacbd\uace0\ub97c \ubc18\ud658\ud558\uba70, \uc774\ub85c \uc778\ud574 \uc5c5\uacc4\ub294 \ubd88\ud544\uc694\ud55c \uc0ac\ub840 \uc791\uc5c5\uc5d0 \uc5f0\uac04 35\uc5b5 \ub2ec\ub7ec\ub97c \uc9c0\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. AI \ub3c4\uad6c\ub294 \uc774 \ubb38\uc81c\ub97c \uc644\ud654\ud558\uc9c0\ub9cc, \uc911\uc18c \uaddc\ubaa8 \uae30\uad00\uc5d0\ub294 \uc5ec\uc804\ud788 \uac00\uaca9\uc774 \ube44\uc2f8 \ub2e8\uae30\uc801\uc778 \uc2dc\uc7a5 \uce68\ud22c\ub97c \uc81c\ud55c\ud569\ub2c8\ub2e4.<br \/>\n*   \uc544\uc138\uc548 \uc9c0\uc5ed\uc758 \ub370\uc774\ud130 \uc0c1\uc8fc \ubc95\ub960\ub85c \uc778\ud55c \ud074\ub77c\uc6b0\ub4dc AML \ucc44\ud0dd \uc81c\ud55c: \uc778\ub3c4\ub124\uc2dc\uc544, \ubca0\ud2b8\ub0a8, \ub9d0\ub808\uc774\uc2dc\uc544\ub294 \uace0\uac1d \uae08\uc735 \ub370\uc774\ud130\uc758 \uad6d\ub0b4 \uc800\uc7a5\uc744 \uc694\uad6c\ud558\uc5ec, \uae00\ub85c\ubc8c \uacf5\uae09\uc5c5\uccb4\ub4e4\uc774 \ud074\ub77c\uc6b0\ub4dc \uaddc\ubaa8 \uacbd\uc81c\ub97c \uc800\ud574\ud558\ub294 \ubd84\uc0b0\ub41c \uc778\uc2a4\ud134\uc2a4\ub97c \uc720\uc9c0\ud558\ub3c4\ub85d \uac15\uc694\ud569\ub2c8\ub2e4.<br \/>\n*   \uc124\uba85 \uac00\ub2a5\ud55c AI \ubaa8\ub378\uc758 \ubd80\uc871: \uc720\ub7fd\uacfc \ubd81\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c \uaddc\uc81c \ub2f9\uad6d\uc740 AI \ubaa8\ub378\uc758 \ud22c\uba85\uc131\uacfc \uc124\uba85 \uac00\ub2a5\uc131\uc744 \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\ud504\ub9ac\uce74\uc758 \ucf54\ub808\uc2a4\ud3f0\ub358\ud2b8 \ubc45\ud0b9 \ub77c\uc778 \ucd95\uc18c: \uc7a5\uae30\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n<p>6. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 45.60%\uc758 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uba70, \ubbf8\uad6d\uc758 \uc801\uadf9\uc801\uc778 \uaddc\uc81c \uc9d1\ud589\uacfc \uad6d\ub0b4 \uacf5\uae09\uc5c5\uccb4\uc758 \uae30\uc220\ub825\uc774 \uc2dc\uc7a5\uc744 \uacac\uc778\ud569\ub2c8\ub2e4. FedNow\uc758 \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \ucd08 \ub2e8\uc704 \uac10\uc2dc\ub97c \uc758\ubb34\ud654\ud558\uc5ec \uc911\uacac \uc740\ud589\ub4e4\uc758 \uc2e4\uc2dc\uac04 \ubaa8\ub378 \ud22c\uc790\ub85c \uc774\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud074\ub77c\uc6b0\ub4dc \ucc44\ud0dd\uc774 \ud655\ub300\ub418\uc5b4 2025\ub144 \uc2e0\uaddc \uad6c\ud604\uc758 62%\uac00 \ud37c\ube14\ub9ad \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\ub97c \uc120\ud0dd\ud588\uc2b5\ub2c8\ub2e4. \uce90\ub098\ub2e4\uc758 \uac1c\uc815\ub41c \ubc94\uc8c4 \uc218\uc775 \uaddc\uc815\uc740 \ubbf8\uad6d\uc758 \uae30\ub300\uce58\uc640 \uc720\uc0ac\ud558\uc5ec \uc194\ub8e8\uc158 \uc694\uad6c \uc0ac\ud56d\uc758 \uc9c0\uc5ed\uc801 \ub3d9\uc9c8\uc131\uc744 \uac15\ud654\ud569\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544: 18.52%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc785\ub2c8\ub2e4. \ud544\ub9ac\ud540\uacfc \uac19\uc774 \uc774\uc804\uc5d0 \ud68c\uc0c9 \ubaa9\ub85d\uc5d0 \ub4f1\uc7ac\ub418\uc5c8\ub358 \uc2dc\uc7a5\uc5d0\uc11c FATF \uc8fc\ub3c4\uc758 \uac1c\uc120 \ub178\ub825\uc740 2025\ub144 \uc740\ud589 \uc9c0\ucd9c\uc744 \uc99d\uac00\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uc911\uad6d\uc758 \uc288\ud37c \uc571 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \ub9e4\uc77c \uc218\uc2ed\uc5b5 \uac74\uc758 \ub9c8\uc774\ud06c\ub85c \ud2b8\ub79c\uc7ad\uc158\uc744 \ucc98\ub9ac\ud558\ub294 \ucd08\uace0\uc18d \ud0d0\uc9c0 \uc5d4\uc9c4\uc744 \ud544\uc694\ub85c \ud558\uba70, \uc77c\ubcf8\uacfc \uc2f1\uac00\ud3ec\ub974\uc758 \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ub77c\uc774\uc120\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c\ub294 \ube14\ub85d\uccb4\uc778 \uc778\uc2dd \ubd84\uc11d\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uc778\ub3c4\ub124\uc2dc\uc544\uc640 \ubca0\ud2b8\ub0a8\uc5d0\uc11c\ub294 \uc5c4\uaca9\ud55c \ud604\uc9c0\ud654 \uaddc\uc815\uc73c\ub85c \uc778\ud574 \ud074\ub77c\uc6b0\ub4dc \ub3c4\uc785\uc774 \uc81c\ud55c\uc801\uc774\uba70, \uacf5\uae09\uc5c5\uccb4\ub4e4\uc740 \uaddc\uc81c \uc900\uc218\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc8fc\uad8c \ub9c8\uc774\ud06c\ub85c \ub9ac\uc804\uc744 \uad6c\ucd95\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: AMLR 2023\uc5d0 \ub530\ub77c \uaddc\uc81c \ud658\uacbd\uc774 \uc7ac\uc124\uc815\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc2e4\uc18c\uc720\uc790 \ub4f1\ub85d \ubc0f \uc2e4\uc2dc\uac04 \uac10\uc2dc\ub97c \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \uae08\uc735 \uae30\uad00\ub4e4\uc740 AI \ub85c\ub4dc\ub9f5\uc744 \uc5c4\uaca9\ud55c \uc124\uba85 \uac00\ub2a5\uc131 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\ucdb0 \uc870\uc815\ud558\uace0 \uc788\uc73c\uba70, \uc885\uc885 \uc124\uacc4 \ub2e8\uacc4\uc5d0\uc11c \ubaa8\ub378 \ud574\uc11d \uac00\ub2a5\uc131 \uacc4\uce35\uc744 \ub0b4\uc7a5\ud569\ub2c8\ub2e4. \uc720\ub7fd \uc911\uc559\uc740\ud589\uc758 \ub514\uc9c0\ud138 \uc720\ub85c \uc2e4\ud5d8\uc740 AML \uc2ec\uc0ac\ub97c \ubc1c\ud589 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ud558\uc5ec, \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud1b5\ud654\uc640 \uad00\ub828\ub41c \ubbf8\ub798 \uacf5\uae09\uc5c5\uccb4 \uae30\ud68c\ub97c \uc608\uace0\ud569\ub2c8\ub2e4.<\/p>\n<p>7. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>AML \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc774\uba70, SAS, NICE Actimize, Oracle\uacfc \uac19\uc740 \uae30\uc874 \ud50c\ub7ab\ud3fc \uc81c\uacf5\uc5c5\uccb4\ub4e4\uc774 Hawk AI, Lucinity\uc640 \uac19\uc740 \ud2c8\uc0c8 AI \uc804\ubb38\uc5c5\uccb4\uc5d0 \ub9de\uc11c \uae30\uc874 \uace0\uac1d \uae30\ubc18\uc744 \ubc29\uc5b4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc874 \uae30\uc5c5\ub4e4\uc740 \uc0dd\uc131\ud615 AI \uc870\uc0ac \ub3c4\uc6b0\ubbf8\ub97c \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ud558\uc5ec \uc11c\uc220\ud615 \ubcf4\uace0\uc11c\ub97c \uc791\uc131\ud558\uace0 \ucc98\ub9ac \uc8fc\uae30\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\ud765 \uae30\uc5c5\ub4e4\uc740 \uacbd\ub7c9 SaaS \uc194\ub8e8\uc158\uacfc \uc124\uba85 \uac00\ub2a5\uc131\uc5d0 \ub300\ud55c \ub192\uc544\uc9c0\ub294 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \ud22c\uba85\ud55c \ubaa8\ub378 \uc544\ud0a4\ud14d\ucc98\ub97c \ud1b5\ud574 \ucc28\ubcc4\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacf5\uae09\uc5c5\uccb4\ub4e4\uc774 \uc18c\ud504\ud2b8\uc6e8\uc5b4\uc640 \uc120\ubcc4\ub41c \ub370\uc774\ud130 \ud53c\ub4dc, \uad00\ub9ac \uc11c\ube44\uc2a4 \uc6b4\uc601\uc5c5\uccb4, \ud074\ub77c\uc6b0\ub4dc \uc778\ud504\ub77c \ub300\uae30\uc5c5\uc744 \uacb0\ud569\ud568\uc5d0 \ub530\ub77c \uc804\ub7b5\uc801 \uc81c\ud734\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Mastercard\uc758 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 TRACE \ucd9c\uc2dc\ub294 \uc9c0\uc5ed \uc2dc\uc7a5 \uc810\uc720\uc728 \ud655\ubcf4\uc5d0 \uc788\uc5b4 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc778\uc811\uc131\uc758 \uac00\uce58\ub97c \uac15\uc870\ud569\ub2c8\ub2e4. Napier AI\uc758 Marlin Equity\ub85c\ubd80\ud130\uc758 \uc131\uc7a5 \uc790\ubcf8 \ud22c\uc785\uc740 \uae00\ub85c\ubc8c \ucc44\ub110 \uad6c\ucd95 \ubc0f \uc124\uba85 \uac00\ub2a5\ud55c ML \uc5f0\uad6c \uac1c\ubc1c\uc5d0 \ud560\ub2f9\ub418\ub294 \ub4f1 \uc790\uae08 \uc870\ub2ec \ubaa8\uba58\ud140\uc774 \uac15\ud569\ub2c8\ub2e4.<\/p>\n<p>\uac00\uaca9 \uacbd\uc7c1\uc740 \ub77c\uc774\uc120\uc2a4 \ube44\uc6a9\ubfd0\ub9cc \uc544\ub2c8\ub77c \ucd1d \uc18c\uc720 \ube44\uc6a9(TCO)\uc5d0 \uc911\uc810\uc744 \ub450\uba70, \uad6c\ub9e4\uc790\ub4e4\uc740 \ud50c\ub7ab\ud3fc \ud655\uc7a5\uc131, \uad00\ub9ac \uc11c\ube44\uc2a4 \ubc88\ub4e4, \ucc98\ub9ac\ub7c9 \uae30\ubc18 \uc9c0\ubd88 \ubaa8\ub378\uc744 \uc911\uc694\ud558\uac8c \uc0dd\uac01\ud569\ub2c8\ub2e4. \uacf5\uae09\uc5c5\uccb4 \ub85c\ub4dc\ub9f5\uc740 \uc870\uc0ac\uad00 \ud53c\ub4dc\ubc31 \ub8e8\ud504\ub97c \ud1b5\ud574 \ud559\uc2b5\ud558\ub294 \uc790\uccb4 \uad6c\uc131 \uc704\ud5d8 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc9d1\uc911\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ub370\uc774\ud130 \uacfc\ud559 \uc778\uc7ac\uc758 \uac00\uce58\ub97c \ub192\uc774\ub294 \uacbd\uc7c1\uc744 \ucd09\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>8. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 5\uc6d4: Mastercard\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae08\uc735 \uc0dd\ud0dc\uacc4\uc5d0 \ub9de\ucdb0\uc9c4 AI \uae30\ubc18 AML \uc11c\ube44\uc2a4\uc778 TRACE\ub97c \ucd9c\uc2dc\ud558\uc5ec, \ub124\ud2b8\uc6cc\ud06c \uc6b4\uc601\uc5c5\uccb4\ub97c \uaddc\uc81c \uc900\uc218 \uae30\uc220 \uacf5\uae09\uc5c5\uccb4\ub85c \ud3ec\uc9c0\uc154\ub2dd\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 4\uc6d4: NICE Actimize\ub294 Forrester Wave\uc5d0\uc11c \uce74\ud14c\uace0\ub9ac \ub9ac\ub354\ub85c \uc778\uc815\ubc1b\uc73c\uba70, \ud1b5\ud569 AI \ubc0f \uc9c0\ub2a5\ud615 \uc790\ub3d9\ud654\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \ub9ac\ub354\uc2ed\uc744 \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 4\uc6d4: CSI\uc640 Dataseers\ub294 \uc911\uc18c \uaddc\ubaa8 \ubbf8\uad6d \uc740\ud589\uc758 \uacbd\uace0 \ubc31\ub85c\uadf8\ub97c \uc904\uc774\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 AI \uae30\ubc18 AML \ud50c\ub7ab\ud3fc\uc744 \uacf5\ub3d9 \ucd9c\uc2dc\ud558\uc5ec, \ud611\ub825\uc801\uc778 \uc2dc\uc7a5 \uc9c4\ucd9c \ubaa8\ub378\uc758 \ub9e4\ub825\uc744 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 3\uc6d4: Oracle\uc740 Investigation Hub Cloud Service\ub97c \uc0dd\uc131\ud615 AI \uc5d0\uc774\uc804\ud2b8\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\uc5ec \uacbd\uace0 \uc774\ub825\uc744 \uc885\ud569\ud558\uace0 SAR \uc11c\uc220\uc744 \uc791\uc131\ud568\uc73c\ub85c\uc368 \uc870\uc0ac\uad00 \uc0dd\uc0b0\uc131\uc744 \ud5a5\uc0c1\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \uae30\uc220 \ubc1c\uc804\uc740 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc774 \uc55e\uc73c\ub85c\ub3c4 \uc9c0\uc18d\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \ud601\uc2e0\ud560 \uac83\uc784\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. AML \uc194\ub8e8\uc158\uc740 \uc740\ud589 \ubc0f \uae08\uc735 \uae30\uad00\uc774 \uae08\uc735 \uac70\ub798\ub97c \ud1b5\uc81c \ubc0f \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0, \uace0\uac1d \uc2e4\uc0ac(CDD)\ub97c \uac15\ud654\ud558\uba70, \uc7a0\uc7ac\uc801\uc778 \uc790\uae08\uc138\ud0c1 \uc0ac\ub840\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \ub2e4\uc591\ud55c \uae30\ub2a5\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub3c4\ub85d \ub3d5\ub294 \uc885\ud569\uc801\uc778 \uc194\ub8e8\uc158\uc785\ub2c8\ub2e4. \uc8fc\uc694 \uae30\ub2a5\uc73c\ub85c\ub294 \uace0\uac1d\uc54c\uae30\uc81c\ub3c4(KYC), \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1, \uaddc\uc815 \uc900\uc218 \uad00\ub9ac, \uac10\uc0ac \ubc0f \ubcf4\uace0, \uae08\uc735 \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f \ubc29\uc9c0 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21\uc5d0 \ub530\ub974\uba74, \uae00\ub85c\ubc8c \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \uc194\ub8e8\uc158 \uc2dc\uc7a5\uc740 2025\ub144 34.3\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 40.5\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \ucd94\uc815\ub418\uba70, 2031\ub144\uc5d0\ub294 92.7\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc608\uce21 \uae30\uac04(2026-2031\ub144) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 18.02%\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. EU AMLR 2023\uc5d0 \ub530\ub978 \uc2e4\uc2dc\uac04 \uaddc\uc815 \uc900\uc218 \uc758\ubb34, \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c(RTP, FedNow) \ud655\uc7a5\uc73c\ub85c \uc778\ud55c \ubaa8\ub2c8\ud130\ub9c1 \ubcfc\ub968 \uc99d\uac00, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591(APAC) \uc9c0\uc5ed \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ub77c\uc774\uc120\uc2a4 \ubd80\uc5ec\uc5d0 \ub530\ub978 \ube14\ub85d\uccb4\uc778 \ubd84\uc11d \uc194\ub8e8\uc158 \uc9c0\ucd9c \uc99d\uac00, \ubbf8\uad6d \uc7ac\ubb34\ubd80 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c(FinCEN) \uaddc\uce59\uc774 SEC \ub4f1\ub85d \ud22c\uc790 \uc790\ubb38\uc0ac\uae4c\uc9c0 \ud655\ub300\ub418\uc5b4 \uc790\uc0b0 \uad00\ub9ac \ubd80\ubb38\uc758 AML \uc608\uc0b0 \uc99d\ub300, \uad6d\uc81c\uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uae30\uad6c(FATF) \uadf8\ub808\uc774\ub9ac\uc2a4\ud2b8 \uc555\ub825\uc73c\ub85c \uc778\ud55c \uace0\uc704\ud5d8 \uacbd\uc81c\uad6d\uc758 AML \uc2dc\uc2a4\ud15c \uc5c5\uadf8\ub808\uc774\ub4dc \uac00\uc18d\ud654, \uadf8\ub9ac\uace0 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ubc0f eKYC \ud50c\ub7ab\ud3fc\uacfc AML \uc2a4\ud0dd\uc758 \uc735\ud569\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\ub4e4\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4. 2\ub4f1\uae09 \uc740\ud589\uc758 \ub192\uc740 \uc624\ud0d0(False-Positive) \uc870\uc0ac \ube44\uc6a9, \uc544\uc138\uc548(ASEAN) \uc9c0\uc5ed\uc758 \ub370\uc774\ud130 \uc0c1\uc8fc \ubc95\uaddc\ub85c \uc778\ud55c \ud074\ub77c\uc6b0\ub4dc AML \ub3c4\uc785 \uc81c\ud55c, \uc124\uba85 \uac00\ub2a5\ud55c \uc778\uacf5\uc9c0\ub2a5(Explainable AI) \ubaa8\ub378 \ubd80\uc871\uc73c\ub85c \uc778\ud55c \uaddc\uc81c \ub2f9\uad6d \uc2b9\uc778 \uc5b4\ub824\uc6c0, \uadf8\ub9ac\uace0 \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc758 \ucd95\uc18c\ub418\ub294 \ucf54\ub808\uc2a4\ud3f0\ub358\ud2b8 \ubc45\ud0b9 \ub77c\uc778\uc73c\ub85c \uc778\ud55c \uc7a0\uc7ac \uc2dc\uc7a5 \uc704\ucd95 \ub4f1\uc785\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \uc194\ub8e8\uc158 \uc720\ud615, \uad6c\uc131 \uc694\uc18c, \ubc30\ud3ec \ubaa8\ub378, \uc870\uc9c1 \uaddc\ubaa8, \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5 \ubc0f \uc9c0\uc5ed\ubcc4\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<br \/>\n\uc194\ub8e8\uc158\ubcc4\ub85c\ub294 \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c, \uace0\uac1d\uc54c\uae30\uc81c\ub3c4\/\uace0\uac1d \uc2e4\uc0ac(KYC\/CDD), \uc81c\uc7ac \ubc0f PEP(\uc815\uce58\uc801 \uc8fc\uc694 \uc778\ubb3c) \uc2ec\uc0ac, \uc0ac\ub840 \ubc0f \uacbd\uace0 \uad00\ub9ac, \ud1b5\ud654 \uac70\ub798 \ubc0f \uaddc\uc81c \ubcf4\uace0, \ubb34\uc5ed \uae30\ubc18 AML \ubd84\uc11d \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ud2b9\ud788, \ubb34\uc5ed \uae30\ubc18 AML \ubd84\uc11d\uc740 \uad6d\uacbd \uac04 \ubb34\uc5ed \uc870\uc791\uc5d0 \ub300\ud55c \ub2e8\uc18d \uac15\ud654\ub85c \uc778\ud574 2031\ub144\uae4c\uc9c0 \uc5f0\uac04 19.62%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n\uad6c\uc131 \uc694\uc18c\ubcc4\ub85c\ub294 \uc18c\ud504\ud2b8\uc6e8\uc5b4\uc640 \uc11c\ube44\uc2a4(\uad00\ub9ac\ud615, \uc804\ubb38 \uc11c\ube44\uc2a4)\ub85c \ub098\ub269\ub2c8\ub2e4.<br \/>\n\ubc30\ud3ec \ubaa8\ub378\ubcc4\ub85c\ub294 \uc628\ud504\ub808\ubbf8\uc2a4, \ud074\ub77c\uc6b0\ub4dc, \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc774 \uc788\uc73c\uba70, \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\ub294 \uc989\uc2dc \uacb0\uc81c \ubcfc\ub968\uc5d0 \ub300\ud55c \ud0c4\ub825\uc801 \ud655\uc7a5\uc131\uacfc \ube60\ub978 \uad6c\ud604 \uc8fc\uae30 \ub355\ubd84\uc5d0 18.44%\uc758 CAGR\ub85c \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uc870\uc9c1 \uaddc\ubaa8\ubcc4\ub85c\ub294 \ub300\uae30\uc5c5\uacfc \uc911\uc18c\uae30\uc5c5(SME)\uc73c\ub85c \uad6c\ubd84\ub418\uba70, \uc911\uc18c\uae30\uc5c5\uc740 \uac04\uc18c\ud654\ub41c SaaS(Software as a Service) \uc81c\ud488\uc774 \uae30\uc874 \ub3c4\uc785 \uc7a5\ubcbd\uc744 \uc81c\uac70\ud558\uba74\uc11c 18.74%\uc758 CAGR\ub85c \uc194\ub8e8\uc158 \uc9c0\ucd9c\uc744 \ud655\ub300\ud558\ub294 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5 \uace0\uac1d \ubd80\ubb38\uc785\ub2c8\ub2e4.<br \/>\n\ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\ub85c\ub294 \uc740\ud589, \ubcf4\ud5d8, \ud540\ud14c\ud06c \ubc0f \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4, \uc790\uc0b0 \uad00\ub9ac\/\ud22c\uc790 \uc790\ubb38\uc0ac, \uac8c\uc784 \ubc0f \ub3c4\ubc15 \uc6b4\uc601\uc5c5\uccb4, \uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c \ubc0f \uac00\uc0c1\uc790\uc0b0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4, \uc815\ubd80 \ubc0f \uacf5\uacf5 \ubd80\ubb38 \ub4f1 \uad11\ubc94\uc704\ud55c \uc0b0\uc5c5\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<br \/>\n\uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8(\ubbf8\uad6d, \uce90\ub098\ub2e4, \uba55\uc2dc\ucf54), \ub0a8\ubbf8(\ube0c\ub77c\uc9c8, \uc544\ub974\ud5e8\ud2f0\ub098 \ub4f1), \uc720\ub7fd(\uc601\uad6d, \ub3c5\uc77c, \ud504\ub791\uc2a4 \ub4f1), \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591(\uc911\uad6d, \uc77c\ubcf8, \uc778\ub3c4 \ub4f1), \uc911\ub3d9(GCC \uad6d\uac00, \ud130\ud0a4 \ub4f1), \uc544\ud504\ub9ac\uce74(\ub0a8\uc544\ud504\ub9ac\uce74, \ub098\uc774\uc9c0\ub9ac\uc544 \ub4f1)\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4.<\/p>\n<p>\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\uc744 \ub2e4\ub8f9\ub2c8\ub2e4. SAS Institute, NICE Actimize, Oracle, Refinitiv, LexisNexis Risk Solutions, FICO, ACI Worldwide, Fiserv, BAE Systems, Tata Consultancy Services, Temenos, Nasdaq, Experian, Moody&#8217;s Analytics, Wolters Kluwer, Intellect Design Arena, Jumio, Trulioo, Accenture, IBM \ub4f1 \uc8fc\uc694 20\uac1c \uae30\uc5c5\uc758 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ud504\ub85c\ud544\uc5d0\ub294 \uae00\ub85c\ubc8c \ubc0f \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 \uc0ac\ud56d \ub4f1\uc774 \uc0c1\uc138\ud788 \uae30\uc220\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \ub610\ud55c \uc2dc\uc7a5\uc758 \ubbf8\uac1c\ucc99 \uc601\uc5ed(White-Space)\uacfc \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c(Unmet-Need)\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud1b5\ud574 \ubbf8\ub798 \uc2dc\uc7a5 \uae30\ud68c\uc640 \uc804\ub9dd\uc744 \uc81c\uc2dc\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-39110","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\/39110"}],"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=39110"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/39110\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=39110"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=39110"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=39110"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}