{"id":41421,"date":"2026-02-13T15:06:09","date_gmt":"2026-02-13T15:06:09","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/cardless-atm-market-mordor\/"},"modified":"2026-10-02T18:52:01","modified_gmt":"2026-10-02T09:52:01","slug":"cardless-atm-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/cardless-atm-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ubb34\uce74\ub4dc ATM \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\/cardless-atm-market-1751884856712-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\/cardless-atm-market-size-image-1768488729940.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 \ubaa8\ubc14\uc77c \ubc45\ud0b9 \ucc44\ud0dd \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.2 \ud32c\ub370\ubbf9 \uc774\ud6c4 \ube44\uc811\ucd09 \uac70\ub798 \uc218\uc694 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.3 \uce74\ub4dc \ubc1c\uae09 \ube44\uc6a9 \uc808\uac10\uc744 \ud1b5\ud55c \uc740\ud589\uc758 \ube44\uc6a9 \ucd5c\uc801\ud654<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc81c3\uc790 \uc778\ucd9c\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc624\ud508 \ubc45\ud0b9 API \ud1b5\ud569<\/li>\n<li class=\"toc-level-3\">4.2.5 \uad6d\uac00 \ub514\uc9c0\ud138 ID\ub97c \ud1b5\ud55c \uae08\uc735 \ud3ec\uc6a9\uc744 \uc704\ud55c \uaddc\uc81c \ucd94\uc9c4<\/li>\n<li class=\"toc-level-3\">4.2.6 \ud540\ud14c\ud06c\ub97c \uc704\ud55c ATM-as-a-Service \ubaa8\ub378\uc758 \ubd80\uc0c1<\/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 \ubaa8\ubc14\uc77c\/\uc0dd\uccb4 \uc778\uc99d \uad00\ub828 \ubcf4\uc548 \ubb38\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.2 \uae30\uc874 ATM \uc7a5\ube44\uc5d0 \ub300\ud55c \ub192\uc740 \uac1c\uc870 CAPEX<\/li>\n<li class=\"toc-level-3\">4.3.3 \ud30c\ud3b8\ud654\ub41c \ub3c5\uc810 \uc571 \ud45c\uc900\uc73c\ub85c \uc778\ud55c \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uc81c\ud55c<\/li>\n<li class=\"toc-level-3\">4.3.4 \ub18d\ucd0c \uc9c0\uc5ed 5G\/\uc5e3\uc9c0 \ucef4\ud4e8\ud305 \uaca9\ucc28\ub85c \uc778\ud55c \uc0dd\uccb4 \uc778\uc99d \uc9c0\uc5f0<\/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 \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.6 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.7 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<\/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<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uae30\uc220\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 NFC (\uadfc\uac70\ub9ac \ubb34\uc120 \ud1b5\uc2e0)<\/li>\n<li class=\"toc-level-3\">5.1.2 QR \ucf54\ub4dc<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc0dd\uccb4 \uc778\uc2dd (\uc9c0\ubb38, \uc5bc\uad74, \uc190\ubc14\ub2e5 \uc815\ub9e5)<\/li>\n<li class=\"toc-level-3\">5.1.4 \ubaa8\ubc14\uc77c \uc571 OTP \/ \ud1a0\ud070<\/li>\n<li class=\"toc-level-3\">5.1.5 \ube14\ub8e8\ud22c\uc2a4 \uc800\uc5d0\ub108\uc9c0 (BLE)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 ATM \uc704\uce58\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \ud604\uc7a5 (\uc9c0\uc810) ATM<\/li>\n<li class=\"toc-level-3\">5.2.2 \ube44\ud604\uc7a5 \/ \uc18c\ub9e4 ATM<\/li>\n<li class=\"toc-level-3\">5.2.3 \uae30\ud0c0 (\ud654\uc774\ud2b8 \ub77c\ubca8, \ub4dc\ub77c\uc774\ube0c \uc2a4\ub8e8 ATM)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc18c\ub9e4 \uae08\uc735 \uace0\uac1d<\/li>\n<li class=\"toc-level-3\">5.3.2 \uae30\uc5c5 \uace0\uac1d<\/li>\n<li class=\"toc-level-3\">5.3.3 \uae08\uc735 \uc18c\uc678 \uacc4\uce35<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.4.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.4.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.4.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.4.2.2 \ud398\ub8e8<\/li>\n<li class=\"toc-level-4\">5.4.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.4.2.4 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.4.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.4.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.4.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.4.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.3.6 \ubca0\ub124\ub8e9\uc2a4<\/li>\n<li class=\"toc-level-4\">5.4.3.7 \ubd81\uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.4.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.4.4.1 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.4.4.2 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.4.4.4 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.4.4.5 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.4.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.4.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.4.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.3 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.4.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.4.5.5 \uc911\ub3d9 \ubc0f \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 \uac1c\uc694, \uc2dc\uc7a5 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4(\uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\ub7b5 \uc815\ubcf4, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 &amp; \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 \ubc45\ud06c \uc624\ube0c \uc544\uba54\ub9ac\uce74<\/li>\n<li class=\"toc-level-3\">6.4.2 \uc6f0\uc2a4 \ud30c\uace0<\/li>\n<li class=\"toc-level-3\">6.4.3 JP\ubaa8\uac74 \uccb4\uc774\uc2a4<\/li>\n<li class=\"toc-level-3\">6.4.4 \uc528\ud2f0\uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.5 \ubc14\ud074\ub808\uc774\uc988 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.6 HSBC<\/li>\n<li class=\"toc-level-3\">6.4.7 \uc0b0\ud0c4\ub370\ub974<\/li>\n<li class=\"toc-level-3\">6.4.8 ICICI \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.9 HDFC \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.10 \uc561\uc2dc\uc2a4 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.11 \ud638\uc8fc \ucee4\uba3c\uc6f0\uc2a4 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.12 \uc6e8\uc2a4\ud2b8\ud329 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.13 OCBC \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.14 DBS \uc740\ud589<\/li>\n<li class=\"toc-level-3\">6.4.15 \uba54\uc774\ubc45\ud06c<\/li>\n<li class=\"toc-level-3\">6.4.16 \uc5d0\ubbf8\ub808\uc774\ud2b8 NBD<\/li>\n<li class=\"toc-level-3\">6.4.17 \uce74\ud0c0\ub974 \uad6d\ub9bd\uc740\ud589 (QNB)<\/li>\n<li class=\"toc-level-3\">6.4.18 \uc774\ud0c0&#xfa; \uc720\ub2c8\ubc29\ucf54<\/li>\n<li class=\"toc-level-3\">6.4.19 BBVA<\/li>\n<li class=\"toc-level-3\">6.4.20 \uc911\uad6d\uc740\ud589<\/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 &amp; \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uae00\ub85c\ubc8c \uce74\ub4dc \uc5c6\ub294 ATM \uc2dc\uc7a5\uc740 2025\ub144 40\uc5b5 6\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 45\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud588\uc73c\uba70, 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 12.86%\ub97c \uae30\ub85d\ud558\uba70 2031\ub144\uc5d0\ub294 83\uc5b5 9\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc774 \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc774\uba70, \ubd81\ubbf8\uac00 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud558\uace0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\uc778 \ubc0f \uc601\ud5a5<\/p>\n<p>\uce74\ub4dc \uc5c6\ub294 ATM \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ubaa8\ubc14\uc77c \ubc45\ud0b9 \ucc44\ud0dd\uc758 \uae09\uc99d (CAGR +3.3% \uc601\ud5a5): \uc804 \uc138\uacc4\uc801\uc73c\ub85c 32\uc5b5 \uba85 \uc774\uc0c1\uc758 \ubaa8\ubc14\uc77c \ubc45\ud0b9 \uc0ac\uc6a9\uc790\ub97c \uae30\ubc18\uc73c\ub85c \uce74\ub4dc \uc5c6\ub294 \uc778\ucd9c\uc5d0 \ub300\ud55c \uc218\uc694\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \uce74\ub4dc \uc5c6\ub294 \uae30\ub2a5\uc744 \ud575\uc2ec \uc11c\ube44\uc2a4\ub85c \uc778\uc2dd\ud558\uba70, \ubaa8\ubc14\uc77c \uc571 \uc0dd\ud0dc\uacc4\uac00 \uc131\uc219\ud55c \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub514\uc9c0\ud138 \ud604\uae08 \uc811\uadfc\uc73c\ub85c\uc758 \uc804\ud658\uc774 40% \ub354 \ube60\ub974\uac8c \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. Z\uc138\ub300\uc758 \uc6d0\ud65c\ud55c \ubaa8\ubc14\uc77c \uc571-\ubb3c\ub9ac\uc801 \uc811\uc810 \uc804\ud658\uc5d0 \ub300\ud55c \uae30\ub300\ub294 \uc740\ud589\ub4e4\uc774 \uce74\ub4dc \uc5c6\ub294 ATM \uc811\uadfc\uc744 \uae30\ubcf8 \uc11c\ube44\uc2a4\ub85c \uc81c\uacf5\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uba70, \uc774\ub294 \uace0\uac1d \uc628\ubcf4\ub529 \uc8fc\uae30 \ub2e8\ucd95\uacfc \ub514\uc9c0\ud138 \ucc38\uc5ec\ub3c4 \uc99d\uac00\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4. \ub610\ud55c, \ud50c\ub77c\uc2a4\ud2f1 \uce74\ub4dc \uc758\uc874\ub3c4\ub97c \uc904\uc5ec ESG \ubaa9\ud45c \ubc0f \ube44\uc6a9 \uc808\uac10 \ub178\ub825\uacfc\ub3c4 \ubd80\ud569\ud569\ub2c8\ub2e4.<br \/>\n*   \ud32c\ub370\ubbf9 \uc774\ud6c4 \ube44\uc811\ucd09 \uac70\ub798 \uc218\uc694 \uc99d\uac00 (CAGR +2.6% \uc601\ud5a5): \ud32c\ub370\ubbf9\uc73c\ub85c \uc778\ud574 \ud615\uc131\ub41c \ube44\uc811\ucd09 \uc2b5\uad00\uc740 \uc9c0\uc18d\ub418\uace0 \uc788\uc73c\uba70, 2024\ub144 \uc601\uad6d \uce74\ub4dc \ud65c\ub3d9\uc758 29%\uac00 \uc774\ubbf8 \ub514\uc9c0\ud138 \uc9c0\uac11\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc84c\uc2b5\ub2c8\ub2e4. ATM \uc81c\uc870\uc5c5\uccb4\uc640 \uc740\ud589\uc740 \uce74\ub4dc \ucde8\uae09\uc744 \ud53c\ud568\uc73c\ub85c\uc368 \ub354 \ube60\ub974\uace0 \uae68\ub057\ud55c \ud604\uae08 \uc811\uadfc\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4. \uc0dd\uccb4 \uc778\uc99d\uc740 \uac70\ub798 \uc2dc\uac04\uc744 35% \ub2e8\ucd95\ud558\uc5ec \ud63c\uc7a1\ud55c \uc9c0\uc810\uc758 \ucc98\ub9ac\ub7c9\uc744 \ub192\uc774\uba70, \ube44\uc811\ucd09 \uc778\ud504\ub77c\ub294 \uace0\uac1d \uc720\uc9c0\ub97c \uc704\ud55c \ud544\uc218 \uc694\uc18c\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uce74\ub4dc \ubc1c\uae09 \ube44\uc6a9 \uc808\uac10\uc744 \ud1b5\ud55c \uc740\ud589\uc758 \ube44\uc6a9 \ucd5c\uc801\ud654 (CAGR +2.0% \uc601\ud5a5): \ubb3c\ub9ac\uc801 \uce74\ub4dc \ubc1c\uae09\uc5d0\ub294 \ub2e8\uc704\ub2f9 3~5\ub2ec\ub7ec\uac00 \uc18c\uc694\ub418\uba70, \uc774\ub294 \uc740\ud589\ub4e4\uc774 \ub514\uc9c0\ud138 \uc790\uaca9 \uc99d\uba85\uc73c\ub85c \uc804\ud658\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. \uce74\ub4dc \uc5c6\ub294 \uc778\ucd9c\uc740 \uad50\uccb4 \ubc0f \ubb3c\ub958 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 ATM\uc5d0\uc11c\uc758 \uc2a4\ud0a4\ubc0d \ub178\ucd9c\uc744 \uc904\uc5ec \uc0ac\uae30 \ubcf5\uad6c \ube44\uc6a9\uc744 \ub0ae\ucda5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc808\uac10 \ud6a8\uacfc\ub294 \uce74\ub4dc \uc5c6\ub294 ATM \ubc30\ud3ec\ub97c \uc774\uc0ac\ud68c \uc218\uc900\uc758 \ube44\uc6a9 \uc6b0\uc120\uc21c\uc704\ub85c \ub9cc\ub4ed\ub2c8\ub2e4.<br \/>\n*   \uc624\ud508 \ubc45\ud0b9 API \ud1b5\ud569\uc744 \ud1b5\ud55c \uc81c3\uc790 \uc778\ucd9c \ud65c\uc131\ud654 (CAGR +1.3% \uc601\ud5a5): \uc720\ub7fd\uc758 PSD3(Payment Services Directive 3)\ub294 \uc740\ud589\ub4e4\uc774 \ud45c\uc900\ud654\ub41c API\ub97c \uacf5\uac1c\ud558\uc5ec \ud5c8\uac00\ub41c \uc81c\uacf5\uc5c5\uccb4\uac00 \uace0\uac1d\uc744 \ub300\uc2e0\ud558\uc5ec \ud604\uae08 \uc778\ucd9c\uc744 \uc2dc\uc791\ud560 \uc218 \uc788\ub3c4\ub85d \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \uc774\ub294 ATM\uc744 \uac1c\ubc29\ud615 \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc804\ud658\uc2dc\ud0a4\uba70, \ud48d\ubd80\ud55c \uac1c\ubc1c\uc790 \ubb38\uc11c\uc640 \uc138\ubd84\ud654\ub41c \uc811\uadfc \uc81c\uc5b4\ub97c \uc81c\uacf5\ud558\ub294 \uc740\ud589\uc740 \ud540\ud14c\ud06c \ud30c\ud2b8\ub108\ub97c \uc720\uce58\ud558\uc5ec \ucd94\uac00\uc801\uc778 \uac70\ub798\ub7c9\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uad6d\uac00 \ub514\uc9c0\ud138 ID\ub97c \ud1b5\ud55c \uae08\uc735 \ud3ec\uc6a9\uc131 \uc99d\uc9c4\uc744 \uc704\ud55c \uaddc\uc81c \ucd94\uc9c4 (CAGR +1.0% \uc601\ud5a5): \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc744 \uc911\uc2ec\uc73c\ub85c \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74, \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\uc5d0\uc11c \uad6d\uac00 \ub514\uc9c0\ud138 ID\ub97c \ud1b5\ud55c \uae08\uc735 \ud3ec\uc6a9\uc131 \uc99d\uc9c4\uc744 \uc704\ud55c \uaddc\uc81c \ub178\ub825\uc774 \uac15\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc778\ub3c4\uc758 \uc0c1\ud638 \uc6b4\uc6a9 \uac00\ub2a5\ud55c UPI-ATM \ud504\ub808\uc784\uc6cc\ud06c\ub294 \uc6d0\uaca9 \uc9c0\uc5ed\uc5d0\uc11c\ub3c4 \uce74\ub4dc \uc5c6\ub294 \uc811\uadfc\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \ubc29\ubc95\uc744 \ubcf4\uc5ec\uc8fc\uba70, \uc2e0\ud765 \uacbd\uc81c\uad6d \uc804\ubc18\uc5d0 \uac78\uccd0 \ud655\uc7a5 \uac00\ub2a5\ud558\uace0 \uc800\ube44\uc6a9\uc758 \uae08\uc735 \ud3ec\uc6a9\uc131\uc744 \uc704\ud55c \uccad\uc0ac\uc9c4\uc73c\ub85c \uc778\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n*   \ud540\ud14c\ud06c\ub97c \uc704\ud55c &#8220;ATM-as-a-Service&#8221; \ubaa8\ub378\uc758 \ubd80\uc0c1 (CAGR +0.8% \uc601\ud5a5): \ubd81\ubbf8\uc640 \uc720\ub7fd\uc744 \uc911\uc2ec\uc73c\ub85c &#8220;ATM-as-a-Service&#8221; \ubaa8\ub378\uc774 \ubd80\uc0c1\ud558\uace0 \uc788\uc73c\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uadf8 \ub4a4\ub97c \ub530\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ubaa8\ub378\uc740 \uc740\ud589\uacfc \ud654\uc774\ud2b8 \ub77c\ubca8 \uc6b4\uc601\uc790 \uac04\uc758 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \ubc30\ud3ec\ub97c \uac00\uc18d\ud654\ud558\uace0 \uac1c\uc870 \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778 \ubc0f \uc601\ud5a5<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\ub4e4\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ubaa8\ubc14\uc77c\/\uc0dd\uccb4 \uc778\uc99d \uad00\ub828 \ubcf4\uc548 \uc6b0\ub824 (CAGR -1.6% \uc601\ud5a5): 2024\ub144 \ud53c\ud504\uc2a4 \uc11c\ub4dc \uc740\ud589(Fifth Third Bank)\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud53c\uc2f1 \uc0ac\uac74\uc740 \uc0ac\uae30\uafbc\ub4e4\uc774 \ubaa8\ubc14\uc77c \uc790\uaca9 \uc99d\uba85 \uc6cc\ud06c\ud50c\ub85c\uc6b0\ub97c \uc5b4\ub5bb\uac8c \ud45c\uc801\uc73c\ub85c \uc0bc\ub294\uc9c0 \ubcf4\uc5ec\uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \uc0dd\uccb4 \uc815\ubcf4 \uc720\ucd9c\uc740 \uc601\uad6c\uc801\uc774\ubbc0\ub85c, \uc5b4\ub5a0\ud55c \uce68\ud574\ub3c4 \uc18c\ube44\uc790 \uc2e0\ub8b0\uc5d0 \ud6e8\uc52c \ub354 \uc624\ub798 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4. \uc740\ud589\uc740 \uc704\ud5d8 \uc810\uc218\ud654, \uc7a5\uce58 \uc6d0\uaca9 \uce21\uc815 \ubc0f \uc2e4\uc2dc\uac04 \uc774\uc0c1 \uac10\uc9c0\ub97c \uacc4\uce35\ud654\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n*   \ub808\uac70\uc2dc ATM \uc7a5\ube44 \uad50\uccb4\uc5d0 \ub300\ud55c \ub192\uc740 CAPEX (CAGR -1.0% \uc601\ud5a5): \uc624\ub798\ub41c ATM\uc744 NFC \ub9ac\ub354, \uad11\uac01 \uce74\uba54\ub77c \ubc0f \ubcf4\uc548 \uc5e3\uc9c0 \ud504\ub85c\uc138\uc11c \uc9c0\uc6d0\uc73c\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\ub294 \ub370\ub294 \ud130\ubbf8\ub110\ub2f9 30,000~40,000\ub2ec\ub7ec\uac00 \uc18c\uc694\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \uc218\ubc31 \ub300\uc758 \uc7a5\uce58\ub97c \uc6b4\uc601\ud558\ub294 \uc9c0\uc5ed \uc740\ud589\uc5d0\uac8c \ubd80\ub2f4\uc774 \ub418\uba70, \ub3c4\uc2dc\uc640 \ub18d\ucd0c \uac04\uc758 \uc11c\ube44\uc2a4 \uaca9\ucc28\ub97c \uc720\ubc1c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud30c\ud3b8\ud654\ub41c \ub3c5\uc810 \uc571 \ud45c\uc900\uc73c\ub85c \uc778\ud55c \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uc81c\ud55c (CAGR -0.8% \uc601\ud5a5): \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc9c0\uc5ed\ubcc4 \ucc28\uc774\uac00 \uc788\ub294 \ud30c\ud3b8\ud654\ub41c \ub3c5\uc810 \uc571 \ud45c\uc900\uc740 \uc6d0\ud65c\ud55c \uacbd\ud5d8\uc744 \uc800\ud574\ud558\uba70, \uc0ac\uc6a9\uc790 \ud3b8\uc758\uc131\uc744 \ub5a8\uc5b4\ub728\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub18d\ucd0c \uc9c0\uc5ed\uc758 5G\/\uc5e3\uc9c0 \ucef4\ud4e8\ud305 \uaca9\ucc28\ub85c \uc778\ud55c \uc0dd\uccb4 \uc778\uc99d \uc9c0\uc5f0 (CAGR -0.5% \uc601\ud5a5): \uc2e0\ud765 \uc2dc\uc7a5 \ubc0f \ub18d\ucd0c \uc9c0\uc5ed\uc758 5G\/\uc5e3\uc9c0 \ucef4\ud4e8\ud305 \uc778\ud504\ub77c \ubd80\uc871\uc740 \uc0dd\uccb4 \uc778\uc99d\uacfc \uac19\uc740 \uace0\uae09 \uae30\uc220\uc758 \ubc30\ud3ec\ub97c \ub2a6\ucda5\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ubb38\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \uae30\uc220\ubcc4: 2025\ub144 \uce74\ub4dc \uc5c6\ub294 ATM \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 41.95%\ub97c NFC\uac00 \ucc28\uc9c0\ud558\uba70 \uc120\ub450\ub97c \uc720\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ubcf4\ud3b8\uc801\uc778 \uc2a4\ub9c8\ud2b8\ud3f0 \ud638\ud658\uc131\uacfc \ud3b8\ub9ac\ud568\uc5d0 \ud798\uc785\uc740 \uacb0\uacfc\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc0dd\uccb4 \uc778\uc99d\uc740 2031\ub144\uae4c\uc9c0 14.25%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, JP\ubaa8\uac74 \uccb4\uc774\uc2a4\uc640 \uac19\uc740 1\ub4f1\uae09 \uc740\ud589\ub4e4\uc774 \uc5bc\uad74 \ubc0f \uc9c0\ubb38 \uc778\uc2dd \uae30\ub2a5\uc744 ATM\uc5d0 \ud655\ub300 \uc801\uc6a9\ud558\uba74\uc11c \uc2e0\uc6d0 \uae30\ubc18 \uc811\uadfc \ubc29\uc2dd\uc774 \ud45c\uc900\uc774 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. QR \ucf54\ub4dc\ub294 \ud578\ub4dc\uc14b \ub2e4\uc591\uc131\uc774\ub098 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815\uc73c\ub85c \uc778\ud574 \uc0dd\uccb4 \uc815\ubcf4 \ucea1\ucc98\uac00 \uc81c\ud55c\ub418\ub294 \uacf3\uc5d0\uc11c \uc5ec\uc804\ud788 \uc911\uc694\uc131\uc744 \uac00\uc9d1\ub2c8\ub2e4.<br \/>\n*   ATM \uc704\uce58\ubcc4: 2025\ub144 \ub9e4\ucd9c\uc758 46.80%\ub294 \uc9c0\uc810 \ub0b4 ATM\uc5d0\uc11c \ubc1c\uc0dd\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud3b8\uc758\uc810 \uccb4\uc778 \ub0b4 \ud654\uc774\ud2b8 \ub77c\ubca8 \uc124\uce58 \ubc0f \ub4dc\ub77c\uc774\ube0c \uc2a4\ub8e8 \ud615\uc2dd\uc740 2031\ub144\uae4c\uc9c0 13.62%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. NCR Atleos\uc758 55,000\uac1c Allpoint \ub124\ud2b8\uc6cc\ud06c\ub294 \uc774\ub7ec\ud55c \ubcc0\ud654\ub97c \uc798 \ubcf4\uc5ec\uc8fc\uba70, \ucc38\uc5ec\ud558\ub294 \ucc4c\ub9b0\uc800 \uc740\ud589\uc758 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc774\ub294 \ub3d9\uc2dc\uc5d0 \uc218\uc218\ub8cc \uc5c6\ub294 \uc811\uadfc\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: 2025\ub144 \uac70\ub798\uc758 61.90%\ub294 \uc18c\ub9e4 \uae08\uc735 \uace0\uac1d\uc774 \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud604\uae08\uc73c\ub85c \uae09\uc5ec\ub97c \ubc1b\uc9c0\ub9cc \uc2a4\ub9c8\ud2b8\ud3f0 \uc0ac\uc6a9\uc5d0 \ub2a5\uc219\ud55c \uc800\uc18c\ub4dd\uce35 \uc778\uad6c\ub294 2031\ub144\uae4c\uc9c0 13.08%\uc758 CAGR\ub85c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc778\ub3c4\uc758 \uc0c1\ud638 \uc6b4\uc6a9 \uac00\ub2a5\ud55c UPI-ATM \ud504\ub808\uc784\uc6cc\ud06c\ub294 \uad6d\uac00 \ub514\uc9c0\ud138 ID \uc2dc\uc2a4\ud15c\uc774 \uc6d0\uaca9 \uc9c0\uc5ed\uc5d0\uc11c \uce74\ub4dc \uc5c6\ub294 \uc811\uadfc\uc744 \uc5b4\ub5bb\uac8c \uac00\ub2a5\ud558\uac8c \ud558\ub294\uc9c0 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 \uc804 \uc138\uacc4 \ub9e4\ucd9c\uc758 33.10%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud588\uc2b5\ub2c8\ub2e4. \ub192\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uacfc JP\ubaa8\uac74 \uccb4\uc774\uc2a4, \ubc45\ud06c \uc624\ube0c \uc544\uba54\ub9ac\uce74\uc758 \uc801\uadf9\uc801\uc778 \uc18c\ub9e4\uc810 \ud655\uc7a5\uc740 \ubbf8\uad6d\uc744 \uace0\ud654\uc9c8 \uc548\uba74 \uc778\uc2dd \ubc0f \uc190\ubc14\ub2e5 \uc815\ub9e5 \uc2a4\uce94\uc758 \uc2dc\ud5d8\uc7a5\uc73c\ub85c \ub9cc\ub4e4\uc5c8\uc2b5\ub2c8\ub2e4. \uce90\ub098\ub2e4\ub294 Interac\uc758 \ubaa8\ubc14\uc77c \uc778\uc99d \ud604\uae08 \uc2dc\ubc94 \uc6b4\uc601\uc73c\ub85c \ubbf8\uad6d\uacfc \uc720\uc0ac\ud55c \ucc44\ud0dd\ub960\uc744 \ubcf4\uc774\uba70, \uba55\uc2dc\ucf54\ub294 \uc18c\uc561 \uc18c\ub9e4 \uad6c\ub9e4\uc5d0 \ud604\uae08\uc744 \uc120\ud638\ud558\ub294 \uc800\uc18c\ub4dd\uce35 \uc778\uad6c\ub97c \uc704\ud574 QR \ucf54\ub4dc \uad6c\ud604\uc5d0 \uc8fc\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2031\ub144\uae4c\uc9c0 14.02%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub978 \uc9c0\uc5ed \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc778\ub3c4\ub294 UPI-ATM \uc774\ub2c8\uc154\ud2f0\ube0c\ub97c \ud1b5\ud574 \ub3c4\uc2dc \ubc0f 3\ub4f1\uae09 \ub3c4\uc2dc\uc758 15,000\ub300 \uc774\uc0c1\uc758 ATM\uc5d0\uc11c \uce74\ub4dc \uc5c6\ub294 \uc778\ucd9c\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uba70 \ucc44\ud0dd\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uad6d\uc5d0\uc11c\ub294 \uc644\uc804\ud55c \ubaa8\ubc14\uc77c \uc18c\ube44\uc790 \ud589\ub3d9\uc774 \uc815\uad50\ud55c QR \ubc0f NFC \uc218\uc6a9\uacfc \uacb0\ud569\ub418\uc5b4 \uc0dd\uccb4 \uc778\uc2dd ATM \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uc704\ud55c \ube44\uc625\ud55c \ud1a0\uc591\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544 \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc740 \uae30\uc874 \uc740\ud589\uacfc \ud611\ub825\ud558\uc5ec \uacf5\ub3d9 \ube0c\ub79c\ub4dc \ud130\ubbf8\ub110\uc744 \ud1b5\ud574 \ud574\uc678 \uadfc\ub85c\uc790\ub4e4\uc774 \ud50c\ub77c\uc2a4\ud2f1 \uce74\ub4dc \uc5c6\uc774 \uc1a1\uae08\ud558\uace0 \ud604\uae08\uc744 \uc778\ucd9c\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd: PSD3\ub294 \uc624\ud508 \ubc45\ud0b9 \uaddc\uc815 \uc900\uc218\ub97c \uc758\ubb34\ud654\ud558\uc5ec \ud68c\uc6d0\uad6d \uc804\ubc18\uc5d0 \uac78\uccd0 API \uc624\ubc84\ub808\uc774\ub97c \ud45c\uc900\ud654\ud558\uace0 \uc601\uad6d\uc5d0\uc11c \ud14c\uc2a4\ud2b8\ub41c \ub2e4\uc911 \uc740\ud589 &#8220;\uc288\ud37c ATM&#8221; \ubc30\ud3ec\ub97c \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc2a4\ud398\uc778\uc740 2025\ub144\uae4c\uc9c0 \uce74\ub4dc \uc5c6\ub294 ATM\uc758 \uc804\uad6d\uc801\uc778 \ubc30\ud3ec\ub97c \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc720\ub7fd \uc804\uc5ed\uc758 \ub2e4\ub978 \uad6d\uac00\ub4e4\uc5d0\uac8c\ub3c4 \ubaa8\ubc94 \uc0ac\ub840\uac00 \ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74: 2031\ub144\uae4c\uc9c0 12.89%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774 \uc9c0\uc5ed\uc740 \ubaa8\ubc14\uc77c \ubc45\ud0b9\uacfc \ub514\uc9c0\ud138 \uacb0\uc81c \uc194\ub8e8\uc158\uc758 \uae09\uc99d\uc73c\ub85c \uc778\ud574 ATM \ub124\ud2b8\uc6cc\ud06c\uc758 \ud604\ub300\ud654 \ubc0f \ud655\uc7a5\uc744 \uc704\ud55c \uc0c1\ub2f9\ud55c \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc640 UAE\ub294 \uc0dd\uccb4 \uc778\uc2dd \ubc0f NFC \uae30\ubc18 ATM\uc744 \ub3c4\uc785\ud558\uc5ec \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uacfc \ubcf4\uc548\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ud504\ub9ac\uce74\uc5d0\uc11c\ub294 \uae08\uc735 \ud3ec\uc6a9\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uc6d0\uaca9 \uc9c0\uc5ed\uc5d0 \uc800\ube44\uc6a9, \ud0dc\uc591\uc5f4 ATM\uc744 \ubc30\uce58\ud558\ub294 \uc774\ub2c8\uc154\ud2f0\ube0c\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \uce74\ub4dc \uc5c6\uc774 \ud604\uae08 \uc778\ucd9c \ubc0f \uacc4\uc88c \uc811\uadfc\uc774 \uac00\ub2a5\ud55c &#8216;\uce74\ub4dc\ub9ac\uc2a4 ATM&#8217; \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uce74\ub4dc\ub9ac\uc2a4 ATM\uc740 \uc2a4\ub9c8\ud2b8\ud3f0 \ubc45\ud0b9 \uc571\uc774\ub098 \ubb38\uc790 \uba54\uc2dc\uc9c0\ub97c \ud1b5\ud55c \uacc4\uc88c \uc778\uc99d \ubc29\uc2dd\uc744 \ud65c\uc6a9\ud558\uba70, \ud604\uae08 \uc778\ucd9c \ubc0f \uc785\uae08, \uce74\ub4dc \uc758\uc874\ub3c4 \uac10\uc18c, \ubcf4\uc548 \uac15\ud654 \ub4f1\uc758 \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ubcf8 \uc5f0\uad6c\ub294 \uc2dc\uc7a5\uc758 \uc815\uc758, \uc5f0\uad6c \ubc29\ubc95\ub860, \uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5, \uc131\uc7a5 \uc608\uce21, \uacbd\uc7c1 \ud658\uacbd \ubc0f \ubbf8\ub798 \uc804\ub9dd\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uce74\ub4dc\ub9ac\uc2a4 ATM \uc2dc\uc7a5\uc740 2026\ub144 45.8\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144 83.9\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uae30\uc220\ubcc4\ub85c\ub294 NFC(\uadfc\uac70\ub9ac \ubb34\uc120 \ud1b5\uc2e0)\uac00 2025\ub144 \uc804 \uc138\uacc4 \ub9e4\ucd9c\uc758 41.95%\ub97c \ucc28\uc9c0\ud558\uba70 \ud604\uc7ac \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud558\uace0 \uc788\uc73c\ub098, \uc0dd\uccb4 \uc778\uc2dd \uae30\uc220\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ubd80\ubb38\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5\uc758 \uc8fc\uc694 \ub3d9\ub825\uc73c\ub85c\ub294 \ubaa8\ubc14\uc77c \ubc45\ud0b9 \ucc44\ud0dd\uc758 \uae09\uc99d, \ud32c\ub370\ubbf9 \uc774\ud6c4 \ube44\uc811\ucd09 \uac70\ub798 \uc218\uc694 \uc99d\uac00, \uc740\ud589\uc758 \uce74\ub4dc \ubc1c\uae09 \ube44\uc6a9 \uc808\uac10\uc744 \ud1b5\ud55c \ube44\uc6a9 \ucd5c\uc801\ud654 \ub178\ub825\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc624\ud508 \ubc45\ud0b9 API \ud1b5\ud569\uc744 \ud1b5\ud55c \uc81c3\uc790 \uc778\ucd9c \uae30\ub2a5 \ud65c\uc131\ud654, \uad6d\uac00 \ub514\uc9c0\ud138 ID\ub97c \ud1b5\ud55c \uae08\uc735 \ud3ec\uc6a9\uc131 \ud655\ub300 \uc815\ucc45, \ud540\ud14c\ud06c \uae30\uc5c5\uc744 \uc704\ud55c ATM-as-a-Service \ubaa8\ub378\uc758 \ubd80\uc0c1 \ub4f1\uc774 \uc2dc\uc7a5 \ud655\ub300\ub97c \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \ubaa8\ubc14\uc77c\/\uc0dd\uccb4 \uc778\uc2dd \uc778\uc99d \uad00\ub828 \ubcf4\uc548 \uc6b0\ub824, \uae30\uc874 ATM \uc7a5\ube44 \uad50\uccb4\uc5d0 \ud544\uc694\ud55c \ub192\uc740 \uc790\ubcf8 \uc9c0\ucd9c(CAPEX), \ud30c\ud3b8\ud654\ub41c \ub3c5\uc810 \uc571 \ud45c\uc900\uc73c\ub85c \uc778\ud55c \uc0c1\ud638 \uc6b4\uc6a9\uc131 \uc81c\ud55c, \uadf8\ub9ac\uace0 \ub18d\ucd0c \uc9c0\uc5ed\uc758 5G \ubc0f \uc5e3\uc9c0 \ucef4\ud4e8\ud305 \uc778\ud504\ub77c \ubd80\uc871\uc73c\ub85c \uc778\ud55c \uc0dd\uccb4 \uc778\uc2dd \uac80\uc99d \uc9c0\uc5f0 \ub4f1\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544-\ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 14.02%\uc758 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \uc2a4\ub9c8\ud2b8\ud3f0 \uc911\uc2ec\uc758 \uc18c\ube44\uc790 \uc2b5\uad00, \uc778\ub3c4\uc758 UPI-ATM \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uac19\uc740 \uc9c0\uc6d0\uc801\uc778 \uaddc\uc81c \ud658\uacbd, \uadf8\ub9ac\uace0 \uc740\ud589\uacfc \ud540\ud14c\ud06c \uac04\uc758 \uc2e0\uc18d\ud55c \ud30c\ud2b8\ub108\uc2ed\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \uce74\ub4dc\ub9ac\uc2a4 ATM \ub3c4\uc785\uc744 \ud1b5\ud574 \ud50c\ub77c\uc2a4\ud2f1 \uce74\ub4dc \ubc1c\uae09 \ube44\uc6a9 \uc808\uac10, \uc0ac\uae30 \ud53c\ud574 \ubcf5\uad6c \ube44\uc6a9 \uac10\uc18c, \ud654\uc774\ud2b8 \ub77c\ubca8 \uc6b4\uc601\uc790\uc640\uc758 \ud611\ub825\uc744 \ud1b5\ud55c \uc6b4\uc601 \ube44\uc6a9 \uc808\uac10 \ubc0f \uace0\uac1d \uacbd\ud5d8 \ud5a5\uc0c1 \ub4f1\uc758 \uc7ac\uc815\uc801 \uc774\uc810\uc744 \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf4\uace0\uc11c\ub294 \uae30\uc220(NFC, QR \ucf54\ub4dc, \uc0dd\uccb4 \uc778\uc2dd, \ubaa8\ubc14\uc77c \uc571 OTP\/\ud1a0\ud070, BLE), ATM \uc704\uce58(\uc9c0\uc810 \ub0b4, \uc9c0\uc810 \uc678\/\uc18c\ub9e4\uc810, \uae30\ud0c0), \ucd5c\uc885 \uc0ac\uc6a9\uc790(\uc18c\ub9e4 \uae08\uc735 \uace0\uac1d, \uae30\uc5c5 \uace0\uac1d, \uae08\uc735 \uc18c\uc678 \uacc4\uce35) \ubc0f \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 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4. \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 \ubc0f \uc8fc\uc694 20\uac1c \uc740\ud589\uc758 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc774 \ubcf4\uace0\uc11c\ub294 \ub610\ud55c \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd, \ud2b9\ud788 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5 \ubc0f \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \uc81c\uacf5\ud558\uba70, \uce74\ub4dc\ub9ac\uc2a4 ATM \uc2dc\uc7a5\uc758 \uc9c0\uc18d\uc801\uc778 \ud601\uc2e0\uacfc \uc131\uc7a5\uc744 \uac15\uc870\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-41421","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\/41421"}],"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=41421"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/41421\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=41421"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=41421"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=41421"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}