{"id":42484,"date":"2026-02-14T06:22:19","date_gmt":"2026-02-14T06:22:19","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/3d-secure-pay-authentication-market-mordor\/"},"modified":"2026-10-02T08:23:49","modified_gmt":"2026-10-01T23:23:49","slug":"3d-secure-pay-authentication-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/3d-secure-pay-authentication-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 3D \ubcf4\uc548 \uacb0\uc81c \uc778\uc99d \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2025 &#8211; 2030\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/3d-secure-pay-authentication-market-1758516867369-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\/3d-secure-pay-authentication-market-size-image-1758545981548.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 \uc804\uc790\uc0c1\uac70\ub798 \ubc0f CNP \uc0ac\uae30 \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.2 \uaddc\uc81c \uc758\ubb34 (PSD2 SCA \ub4f1)<\/li>\n<li class=\"toc-level-3\">4.2.3 EMV 3-D Secure 2.x\ub85c\uc758 \uc804\ud658<\/li>\n<li class=\"toc-level-3\">4.2.4 \ubaa8\ubc14\uc77c \uc9c0\uac11 \ubc0f \uc778\uc571 \uacb0\uc81c \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.5 WebAuthn \/ \ud328\uc2a4\ud0a4 \ud1b5\ud569<\/li>\n<li class=\"toc-level-3\">4.2.6 \ud074\ub77c\uc6b0\ub4dc HSM \uae30\ubc18 \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ud654<\/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 \ud1b5\ud569 \ube44\uc6a9 \ubc0f \ubcf5\uc7a1\uc131<\/li>\n<li class=\"toc-level-3\">4.3.2 \ube44\uc758\ubb34 \uc9c0\uc5ed\uc5d0\uc11c\uc758 \uacb0\uc81c \ub9c8\ucc30<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc2e0\ud765 \uc2dc\uc7a5 \ubc1c\ud589\uc0ac\uc758 \uc77c\uad00\uc131 \uc5c6\ub294 \uc900\ube44 \uc0c1\ud0dc<\/li>\n<li class=\"toc-level-3\">4.3.4 \ub370\uc774\ud130 \uacf5\uc720\ub97c \uc81c\ud55c\ud558\ub294 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815 (RbA)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uc0b0\uc5c5 \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 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.7.1 \uad6c\ub9e4\uc790 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.2 \uacf5\uae09\uc790 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.7.3 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.7.4 \uc2e0\uaddc \uc9c4\uc785\uc790\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 (\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 \uc811\uadfc \uc81c\uc5b4 \uc11c\ubc84 (ACS)<\/li>\n<li class=\"toc-level-3\">5.1.2 3-D \ubcf4\uc548 \uc11c\ubc84 \/ \ud310\ub9e4\uc790 \ud50c\ub7ec\uadf8\uc778<\/li>\n<li class=\"toc-level-3\">5.1.3 \ub514\ub809\ud1a0\ub9ac \uc11c\ubc84<\/li>\n<li class=\"toc-level-3\">5.1.4 SDK \ubc0f \ud1b5\ud569 \uc11c\ube44\uc2a4<\/li>\n<li class=\"toc-level-3\">5.1.5 \uae30\ud0c0 \uad6c\uc131 \uc694\uc18c<\/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 \uc628\ud504\ub808\ubbf8\uc2a4<\/li>\n<li class=\"toc-level-3\">5.2.2 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18<\/li>\n<li class=\"toc-level-3\">5.2.3 \ud558\uc774\ube0c\ub9ac\ub4dc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc778\uc99d \ud750\ub984 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \ub9c8\ucc30 \uc5c6\ub294 \ud750\ub984<\/li>\n<li class=\"toc-level-3\">5.3.2 \ucc4c\ub9b0\uc9c0 \ud750\ub984<\/li>\n<li class=\"toc-level-3\">5.3.3 \ub300\uc5ed \uc678 \/ \ubd84\ub9ac\ub41c \ud750\ub984<\/li>\n<li class=\"toc-level-3\">5.3.4 \uc704\uc784\ub41c \uc778\uc99d<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uc740\ud589 \/ \ubc1c\uae09\uc0ac<\/li>\n<li class=\"toc-level-3\">5.4.2 \ud310\ub9e4\uc790 \ubc0f \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774<\/li>\n<li class=\"toc-level-3\">5.4.3 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 (PSP)<\/li>\n<li class=\"toc-level-3\">5.4.4 \ud540\ud14c\ud06c \ubc0f BNPL \ud50c\ub7ab\ud3fc<\/li>\n<li class=\"toc-level-3\">5.4.5 \uae30\ud0c0 \ucd5c\uc885 \uc0ac\uc6a9\uc790<\/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 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \uc601\uad6d<\/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 \ub7ec\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/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 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc911\ub3d9<\/li>\n<li class=\"toc-level-5\">5.5.4.1.1 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-5\">5.5.4.1.2 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-5\">5.5.4.1.3 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-5\">5.5.4.2.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-5\">5.5.4.2.2 \uc774\uc9d1\ud2b8<\/li>\n<li class=\"toc-level-5\">5.5.4.2.3 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uc218\uc900 \uac1c\uc694, \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4(\uc0ac\uc6a9 \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 GPayments Pty Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.2 CardinalCommerce Corporation<\/li>\n<li class=\"toc-level-3\">6.4.3 Modirum Oy<\/li>\n<li class=\"toc-level-3\">6.4.4 Broadcom Inc.<\/li>\n<li class=\"toc-level-3\">6.4.5 Entrust Corporation<\/li>\n<li class=\"toc-level-3\">6.4.6 RSA Security LLC<\/li>\n<li class=\"toc-level-3\">6.4.7 Fiserv, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.8 Decta Limited<\/li>\n<li class=\"toc-level-3\">6.4.9 Marqeta, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 Bluefin Payment Systems LLC<\/li>\n<li class=\"toc-level-3\">6.4.11 Entersekt (Pty) Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.12 Thales Group<\/li>\n<li class=\"toc-level-3\">6.4.13 Netcetera AG<\/li>\n<li class=\"toc-level-3\">6.4.14 Worldline SA<\/li>\n<li class=\"toc-level-3\">6.4.15 Adyen N.V.<\/li>\n<li class=\"toc-level-3\">6.4.16 ACI Worldwide Inc.<\/li>\n<li class=\"toc-level-3\">6.4.17 Mastercard Incorporated<\/li>\n<li class=\"toc-level-3\">6.4.18 Visa Inc.<\/li>\n<li class=\"toc-level-3\">6.4.19 American Express Company<\/li>\n<li class=\"toc-level-3\">6.4.20 JCB Co., Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.21 Discover Financial Services<\/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>3D Secure \uacb0\uc81c \uc778\uc99d \uc2dc\uc7a5\uc740 \uc804\uc790\uc0c1\uac70\ub798 \uc0ac\uae30 \uac10\uc18c, \uac15\ud654\ub41c \uae00\ub85c\ubc8c \uaddc\uc81c, \uadf8\ub9ac\uace0 \uc2e0\uc18d\ud55c \ud504\ub85c\ud1a0\ucf5c \uc5c5\uadf8\ub808\uc774\ub4dc\uc5d0 \ud798\uc785\uc5b4 \ubaa8\ub4e0 \uacb0\uc81c \ubd80\ubb38\uc5d0\uc11c \uac15\ub825\ud55c \uc131\uc7a5 \ubaa8\uba58\ud140\uc744 \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 2025\ub144\ubd80\ud130 2030\ub144\uae4c\uc9c0\uc758 \uc2dc\uc7a5 \uaddc\ubaa8, \uc810\uc720\uc728, \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21\uc744 \uad6c\uc131 \uc694\uc18c, \ubc30\ud3ec \ubaa8\ub4dc, \uc778\uc99d \ud750\ub984 \uc720\ud615, \ucd5c\uc885 \uc0ac\uc6a9\uc790 \ubc0f \uc9c0\uc5ed\ubcc4\ub85c \uc0c1\uc138\ud788 \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc131\uc7a5 \ub3d9\ub825<br \/>\n3D Secure \uacb0\uc81c \uc778\uc99d \uc2dc\uc7a5\uc740 2025\ub144 16\uc5b5 3\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2030\ub144\uc5d0\ub294 29\uc5b5 6\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub418\uba70, \uc608\uce21 \uae30\uac04 \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 12.61%\ub97c \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \ub370\uc774\ud130\uac00 \ud48d\ubd80\ud55c EMV 3-D Secure 2.x\uc758 \ubd80\uc0c1, \uc77c\ubcf8\uc758 100% \uc628\ub77c\uc778 \uce74\ub4dc \uc778\uc99d \uc758\ubb34\ud654\uc640 \uac19\uc740 \uaddc\uc81c, \uadf8\ub9ac\uace0 CNP(Card-Not-Present) \uc0ac\uae30\uc758 \uae09\uc99d\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub429\ub2c8\ub2e4. \uc2dc\uc7a5\uc758 \uacbd\uc7c1 \uac15\ub3c4\ub294 AI \uae30\ubc18 \uc704\ud5d8 \uc5d4\uc9c4, \uc591\uc790 \ud6c4 \uc554\ud638\ud654 \ub85c\ub4dc\ub9f5, \uc0dd\uccb4 \uc778\uc2dd \uae30\uc220\uc758 \uc735\ud569\uc73c\ub85c \uc2ec\ud654\ub418\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ud50c\ub7ab\ud3fc \ucc28\ubcc4\ud654\uc758 \ud575\uc2ec \uc694\uc18c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788, \ucd08\uace0\uc18d \uc758\uc0ac \uacb0\uc815, \uc720\uc5f0\ud55c \ubc30\ud3ec, \uc9c0\uc5ed\ubcc4 \uaddc\uc81c \uc900\uc218\ub97c \uc81c\uacf5\ud558\ub294 \uacf5\uae09\uc5c5\uccb4\uac00 \uc2dc\uc7a5\uc5d0\uc11c \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<br \/>\n*   \uc804\uc790\uc0c1\uac70\ub798 \ubc0f CNP \uc0ac\uae30 \uae09\uc99d: \uae30\ub85d\uc801\uc778 \uc628\ub77c\uc778 \ud310\ub9e4\ub7c9\uc740 \uae30\uc874\uc758 \ud1b5\uc81c \uc2dc\uc2a4\ud15c\uc73c\ub85c\ub294 \ub300\uc751\ud558\uae30 \uc5b4\ub824\uc6b4 CNP \uc0ac\uae30 \ubc1c\uc0dd\ub960\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac00\ub9f9\uc810\ub4e4\uc740 \uc0ac\uae30 \ubc29\uc9c0 \ubc0f \uc2b9\uc778\uc728 \ud5a5\uc0c1\uc744 \uc704\ud574 \uc9c0\ub2a5\ud615 3DS \ubc30\ud3ec\ub97c \ud1b5\ud574 \uac15\ub825\ud55c \uc778\uc99d\uc744 \uc120\ud0dd\uc801\uc73c\ub85c \uc801\uc6a9\ud558\uc5ec \uc2b9\uc778\uc728\uc744 \ub192\uc774\uace0 \ucc28\uc9c0\ubc31(chargeback)\uc744 \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uaddc\uc81c \uc758\ubb34\ud654 (PSD2 SCA, \uc77c\ubcf8 2025\ub144 \uaddc\uc815 \ub4f1): \uc720\ub7fd\uc758 PSD2 \uac15\ub825\ud55c \uace0\uac1d \uc778\uc99d(SCA) \uaddc\uc815\uc740 30\uc720\ub85c \uc774\uc0c1\uc758 \uac70\ub798\uc5d0 \ub300\ud574 2\ub2e8\uacc4 \uc778\uc99d\uc744 \uc758\ubb34\ud654\ud558\uc5ec 2022\ub144\uc5d0\uc11c 2024\ub144 \uc0ac\uc774\uc5d0 35\ub9cc \uac1c \uc774\uc0c1\uc758 \uac00\ub9f9\uc810\uc774 EMV 3-D Secure 2.x\ub85c \uc804\ud658\ud558\ub3c4\ub85d \ud588\uc2b5\ub2c8\ub2e4. \uc77c\ubcf8\uc740 2025\ub144 3\uc6d4\ubd80\ud130 \ubaa8\ub4e0 \uc628\ub77c\uc778 \uce74\ub4dc \uac70\ub798\uc5d0 100% \uc778\uc99d\uc744 \uc758\ubb34\ud654\ud558\uc5ec \uc804 \uc138\uacc4\uc801\uc73c\ub85c \uc120\ub840\ub97c \ub0a8\uacbc\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c \ubcf4\uc548 \ud45c\uc900\uc744 \uac15\ud654\ud558\uace0 \uace0\uae09 \uc704\ud5d8 \uae30\ubc18 \uc778\uc99d(RbA) \uc194\ub8e8\uc158\uc758 \uc218\uc694\ub97c \ucd09\uc9c4\ud569\ub2c8\ub2e4.<br \/>\n*   EMV 3-D Secure 2.x\ub85c\uc758 \uc804\ud658: 3-D Secure 1.0\uc5d0\uc11c 2.x\ub85c\uc758 \uc804\ud658\uc740 \uac00\ub9f9\uc810, \ub124\ud2b8\uc6cc\ud06c, \ubc1c\ud589\uc0ac \uac04\uc5d0 \uad50\ud658\ub418\ub294 \ub370\uc774\ud130 \ud544\ub4dc\ub97c 4\ubc30 \uc99d\uac00\uc2dc\ucf1c \uac70\uc758 \uc989\uac01\uc801\uc778 \ud328\ud134 \uc778\uc2dd\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \ub9c8\uc2a4\ud130\uce74\ub4dc\uc758 2.1 \ubc84\uc804 \uc9c0\uc6d0 \uc885\ub8cc(2024\ub144 9\uc6d4)\ub294 \ubaa8\ub4e0 \ucc38\uc5ec\uc790\uc5d0\uac8c \uc5c5\uadf8\ub808\uc774\ub4dc\ub97c \uac15\uc81c\ud558\uba70, \uc774\ub294 \ub9c8\ucc30 \uc5c6\ub294 \ud750\ub984\uc758 12.97% CAGR \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ubaa8\ubc14\uc77c \uc9c0\uac11 \ubc0f \uc778\uc571 \uacb0\uc81c \uc99d\uac00: \ud55c\uad6d, \uc778\ub3c4, \uc778\ub3c4\ub124\uc2dc\uc544 \ub4f1\uc9c0\uc5d0\uc11c\ub294 \uc2a4\ub9c8\ud2b8\ud3f0 \uacb0\uc81c\uac00 \uc804\uccb4 \uc628\ub77c\uc778 \uc18c\ub9e4 \uc9c0\ucd9c\uc758 60% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \ubaa8\ubc14\uc77c \uc9c0\uac11 \uc81c\uacf5\uc5c5\uccb4\ub294 \uae30\uae30 \uc9c0\ubb38, \uc5bc\uad74 ID, \ud589\ub3d9 \uce21\uc815 \uc9c0\ud45c\ub97c \ud65c\uc6a9\ud558\uc5ec \ubc1c\ud589\uc0ac\uac00 SMS OTP \ub300\uc2e0 \uc218\ub3d9 \ud655\uc778\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc774\ub294 3D Secure Pay Authentication \uc2dc\uc7a5 \ub0b4\uc5d0\uc11c \uc0c8\ub85c\uc6b4 \ub9c8\uc774\ud06c\ub85c \uc11c\ube44\uc2a4 \uacc4\uce35\uc744 \ud615\uc131\ud558\uba70, \ubaa8\ubc14\uc77c \uc6b0\uc120 \uc1fc\ud551\uac1d\uc744 \uc704\ud55c SDK \ubc30\ud3ec\ub97c \ucd09\uc9c4\ud569\ub2c8\ub2e4.<br \/>\n*   WebAuthn \/ \ud328\uc2a4\ud0a4 \ud1b5\ud569: \uc0ac\uc6a9\uc790 \uc778\uc99d \uacbd\ud5d8\uc744 \uac04\uc18c\ud654\ud558\uace0 \ubcf4\uc548\uc744 \uac15\ud654\ud558\ub294 \uc774 \uae30\uc220\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4.<br \/>\n*   \ud074\ub77c\uc6b0\ub4dc HSM \uae30\ubc18 \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ud654: \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ud558\ub4dc\uc6e8\uc5b4 \ubcf4\uc548 \ubaa8\ub4c8(HSM)\uc744 \ud65c\uc6a9\ud55c \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ud654\ub294 \uc804 \uc138\uacc4\uc801\uc73c\ub85c, \ud2b9\ud788 \ud074\ub77c\uc6b0\ub4dc \uc131\uc219 \uc2dc\uc7a5\uc5d0\uc11c \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uae30\uc5ec\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc131\uc7a5 \uc800\ud574 \uc694\uc778<br \/>\n*   \ud1b5\ud569 \ube44\uc6a9 \ubc0f \ubcf5\uc7a1\uc131: \uc911\uc18c\uae30\uc5c5(SME) \uac00\ub9f9\uc810\uc740 API, \uc0cc\ub4dc\ubc15\uc2a4 \uc778\uc99d, \uaddc\uc81c \ubcf4\uace0\uc11c \uc791\uc131 \ub4f1\uc5d0 \uc0c1\ub2f9\ud55c \ube44\uc6a9\uc744 \uc9c0\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4. \uc2dc\uc7a5\ubcc4\ub85c \ub2e4\ub978 \uaddc\uc81c\uc640 \ucc45\uc784 \uc804\ud658 \ub85c\uc9c1\uc73c\ub85c \uc778\ud574 \ubcf5\uc7a1\uc131\uc774 \uac00\uc911\ub429\ub2c8\ub2e4.<br \/>\n*   \ube44\uc758\ubb34 \uc9c0\uc5ed\uc5d0\uc11c\uc758 \uacb0\uc81c \ub9c8\ucc30: \uaddc\uc81c\uac00 \uac15\ub825\ud55c \uc778\uc99d\uc744 \uac15\uc81c\ud558\uc9c0 \uc54a\ub294 \uc9c0\uc5ed\uc5d0\uc11c\ub294 \ucd94\uac00 \uc778\uc99d \ud654\uba74\uc73c\ub85c \uc778\ud55c \ub9e4\ucd9c \uc190\uc2e4\uc744 \uc6b0\ub824\ud569\ub2c8\ub2e4. \uc774\ub294 \ud2b9\ud788 \ubd81\ubbf8 \ubc0f \ube44\uaddc\uc81c \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc2dc\uc7a5\uc5d0\uc11c 3D Secure Pay Authentication \uc2dc\uc7a5\uc73c\ub85c\uc758 \uc804\uccb4 \uac70\ub798 \uc804\ud658\uc744 \uc5b5\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc2e0\ud765 \uc2dc\uc7a5 \ubc1c\ud589\uc0ac\uc758 \uc77c\uad00\uc131 \uc5c6\ub294 \uc900\ube44 \uc0c1\ud0dc: \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74, \uc544\ud504\ub9ac\uce74, \ub3d9\ub0a8\uc544\uc2dc\uc544\uc758 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ubc1c\ud589\uc0ac\uc758 \uc900\ube44 \uc0c1\ud0dc\uac00 \uc77c\uad00\uc801\uc774\uc9c0 \uc54a\uc544 \uc7a5\uae30\uc801\uc778 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub370\uc774\ud130 \uacf5\uc720\ub97c \uc81c\ud55c\ud558\ub294 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815: \uc720\ub7fd \ubc0f \uae30\ud0c0 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638 \uaddc\uc81c\uac00 \uc5c4\uaca9\ud55c \uc9c0\uc5ed\uc5d0\uc11c\ub294 \uc704\ud5d8 \uae30\ubc18 \uc778\uc99d(RbA)\uc744 \uc704\ud55c \ub370\uc774\ud130 \uacf5\uc720\uac00 \uc81c\ud55c\ub418\uc5b4 \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<br \/>\n*   \uad6c\uc131 \uc694\uc18c\ubcc4: 3-D Secure \uc11c\ubc84\/\uac00\ub9f9\uc810 \ud50c\ub7ec\uadf8\uc778\uc774 2024\ub144 \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 37.43%\ub97c \ucc28\uc9c0\ud558\uba70, \uac00\ub9f9\uc810\ub4e4\uc774 \uc778\uc99d \ud2b8\ub9ac\uac70 \ubc0f \ub370\uc774\ud130 \ucea1\ucc98\uc5d0 \ub300\ud55c \uc138\ubd80\uc801\uc778 \ud1b5\uc81c\ub97c \uc120\ud638\ud568\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc774 \uad6c\uc131 \uc694\uc18c\ub294 \ubc1c\ud589\uc0ac\uc5d0\uac8c 150\uac1c \uc774\uc0c1\uc758 \uc694\uc18c\ub97c \uc81c\uacf5\ud558\uc5ec \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ub97c \ubc1c\ud589\ud558\uace0 \uc2b9\uc778\uc744 \uac00\uc18d\ud654\ud569\ub2c8\ub2e4. SDK \ubc0f \ud1b5\ud569 \uc11c\ube44\uc2a4\ub294 12.89%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc571 \uac1c\ubc1c\uc790\ub4e4\uc774 \ub300\uc5ed \uc678(out-of-band) \uac80\uc0ac\ub97c \uc2e0\uc18d\ud558\uac8c \ud1b5\ud569\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ub514\ub809\ud1a0\ub9ac \uc11c\ubc84\ub294 \ub124\ud2b8\uc6cc\ud06c \ubc0f \uac8c\uc774\ud2b8\uc6e8\uc774 \uac04\uc758 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \ubcf4\uc7a5\ud558\uba70, \uc804\ubb38 \ubd84\uc11d \ubaa8\ub4c8\uc740 \uaddc\uc81c \uae30\uad00\uc774 \uc694\uad6c\ud558\ub294 \uc124\uba85 \uac00\ub2a5\uc131 \uacc4\uce35\uc744 \ucd94\uac00\ud558\uc5ec \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud569\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubaa8\ub4dc\ubcc4: \uc628\ud504\ub808\ubbf8\uc2a4 \uc194\ub8e8\uc158\uc740 2024\ub144 \ub9e4\ucd9c\uc758 54.31%\ub97c \ucc28\uc9c0\ud558\uba70, Tier-1 \uc740\ud589\ub4e4\uc774 \ub370\uc774\ud130 \uc8fc\uad8c \ubc0f \uae30\uc874 \ud558\ub4dc\uc6e8\uc5b4 \uc790\uc0b0\uc5d0 \ub300\ud55c \uc120\ud638\ub3c4\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc74c\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \uad6c\ud604\uc740 13.14%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc774\ub294 \ub2e4\uc911 \uc9c0\uc5ed \uac00\ub9f9\uc810 \ubc0f \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \ud50c\ub798\uc2dc \uc138\uc77c \ud53c\ud06c \uae30\uac04 \ub3d9\uc548 \ud0c4\ub825\uc801\uc778 \ud655\uc7a5\uc744 \ud544\uc694\ub85c \ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378\uc740 \uc628\ud504\ub808\ubbf8\uc2a4\uc5d0\uc11c \ube44\ubc00 \uad00\ub9ac\ub97c \ud558\uace0 \ud074\ub77c\uc6b0\ub4dc\uc5d0\uc11c \ubd84\uc11d\uc744 \uc218\ud589\ud558\ub294 \ubc29\uc2dd\uc73c\ub85c, \ubc30\uce58 \uc2b9\uc778 \uc5d4\uc9c4\uc744 \ud604\ub300\ud654\ud558\ub294 \ubc1c\ud589\uc0ac \ud504\ub85c\uc138\uc11c\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc778\uae30\ub97c \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc778\uc99d \ud750\ub984 \uc720\ud615\ubcc4: \ucc4c\ub9b0\uc9c0 \ud750\ub984\uc740 2024\ub144 \ub9e4\ucd9c\uc758 45.78%\ub97c \ucc28\uc9c0\ud558\uba70, \uccab \uad6c\ub9e4 \uace0\uac1d\uc774\ub098 \uace0\uc561 \uc5ec\ud589 \uc608\uc57d\uacfc \uac19\uc774 \uba85\uc2dc\uc801\uc778 \uace0\uac1d \ud589\ub3d9\uc774 \ucc45\uc784 \uc804\ud658\uc744 \ubcf4\uc7a5\ud558\ub294 \uacbd\uc6b0\uc5d0 \uc8fc\ub85c \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ub9c8\ucc30 \uc5c6\ub294 \ud750\ub984\uc740 12.97%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uac00\ub9f9\uc810\uacfc \ubc1c\ud589\uc0ac\uac00 500\ubc00\ub9ac\ucd08 \uc774\ub0b4\uc5d0 \uacb0\uc81c\ub97c \uc644\ub8cc\ud558\ub294 \uc790\ub3d9 \uc2b9\uc778\uc744 \uc120\ud638\ud568\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub300\uc5ed \uc678(Out-of-band) \ubc0f \ubd84\ub9ac\ub41c \ud750\ub984\uc740 \uc5f0\uacb0\ub41c TV\ub098 \uc2a4\ub9c8\ud2b8 \uc2a4\ud53c\ucee4 \ucee4\uba38\uc2a4\uc640 \uac19\uc740 \ud2b9\uc218\ud55c \ud658\uacbd\uc5d0\uc11c \uc0ac\uc6a9\ub418\uba70, \uc704\uc784\ub41c \uc778\uc99d\uc740 \ub300\ud615 \uc18c\ub9e4\uc5c5\uccb4\uac00 \ub124\ud2b8\uc6cc\ud06c \uc124\uc815 \uc704\ud5d8 \uc784\uacc4\uac12 \ub0b4\uc5d0\uc11c \uc7ac\ubc29\ubb38 \uace0\uac1d\uc744 \uc778\uc99d\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uc740\ud589 \ubc0f \ubc1c\ud589\uc0ac\ub294 2024\ub144 \ub9e4\ucd9c\uc758 48.44%\ub97c \ucc28\uc9c0\ud558\uba70, \ubaa8\ub4e0 3DS \uc694\uccad\uc744 \uc2b9\uc778\ud558\uac70\ub098 \uac70\ubd80\ud574\uc57c \ud558\ub294 \uaddc\uc81c \ubd80\ub2f4\uc73c\ub85c \uc778\ud574 \uc774 \ubd80\ubb38\uc5d0 \ub300\ud55c \ud22c\uc790\ub97c \ub9ce\uc774 \ud569\ub2c8\ub2e4. \uac00\ub9f9\uc810 \ubc0f \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 12.83%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc9c1\uc811\uc801\uc778 3DS \uc81c\uc5b4\ub97c \ud1b5\ud55c \uc804\ud658\uc728 \uc0c1\uc2b9\uc774 \uc989\uac01\uc801\uc778 EBITDA \uc99d\uac00\ub85c \uc774\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4(PSP)\ub294 \uc790\uccb4 \uc5d4\uc9c0\ub2c8\uc5b4\uac00 \ubd80\uc871\ud55c \uc911\uacac \ube0c\ub79c\ub4dc\uc5d0 \ubc1c\ud589\uc0ac \ubc0f \uac00\ub9f9\uc810 \ubaa8\ub4c8\uc744 \ud654\uc774\ud2b8 \ub77c\ubca8\ub9c1\ud558\uc5ec \uc81c\uacf5\ud558\uba70, \ud540\ud14c\ud06c \ubc0f BNPL(Buy Now, Pay Later) \ud50c\ub808\uc774\uc5b4\ub294 \ub124\ud2b8\uc6cc\ud06c \ucc45\uc784 \ud504\ub808\uc784\uc6cc\ud06c\uc5d0 \uac07\ud788\uc9c0 \uc54a\uae30 \uc704\ud574 \uac00\uc0c1 \ubc0f \uc2e4\uc81c \uce74\ub4dc \uc804\ubc18\uc5d0 3DS\ub97c \ub0b4\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed \ubd84\uc11d<br \/>\n*   \ubd81\ubbf8\ub294 2024\ub144 3D Secure Pay Authentication \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 42.36%\ub97c \ucc28\uc9c0\ud558\uba70, \ub192\uc740 \uc804\uc790\uc0c1\uac70\ub798 \uce68\ud22c\uc728\uacfc \uc131\uc219\ud55c \uce74\ub4dc \uc778\ud504\ub77c\ub97c \uae30\ubc18\uc73c\ub85c \ud569\ub2c8\ub2e4. \ubbf8\uad6d\uc740 \ud3ec\uad04\uc801\uc778 \uc758\ubb34 \uaddc\uc81c\uac00 \uc5c6\uc9c0\ub9cc, \uac00\ub9f9\uc810\uc758 \uc704\ud5d8 \ud5c8\uc6a9 \ubc94\uc704\uc5d0 \ub9de\ucdb0 \uc801\uc751\ud615 \ud2b8\ub9ac\uac70\ub97c \ubc30\ud3ec\ud558\uc5ec \uac15\ub825\ud558\uba74\uc11c\ub3c4 \uc120\ud0dd\uc801\uc778 \ucc44\ud0dd\uc744 \uc720\uc9c0\ud569\ub2c8\ub2e4.<br \/>\n*   \uc720\ub7fd\uc740 PSD2 \ubc0f \uc784\ubc15\ud55c PSD3 \uc81c\uc548\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uba70, \uc815\ucc45 \ud2b8\ub80c\ub4dc \uc138\ud130 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc720\ub7fd \uacbd\uc81c \uc9c0\uc5ed \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uac70\uc758 \ubaa8\ub4e0 \uad6d\uacbd \uac04 \uce74\ub4dc \ud310\ub9e4\uc5d0 2\ub2e8\uacc4 \uc778\uc99d\uc774 \uc801\uc6a9\ub429\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\uc740 12.89%\uc758 \uac00\uc7a5 \ube60\ub978 CAGR\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \ubaa8\ubc14\uc77c \uc9c0\uac11\uc758 \uc9c0\ubc30\ub825\uacfc \uad11\ubc94\uc704\ud55c \uc758\ubb34 \uaddc\uc81c\uc5d0 \ud798\uc785\uc5b4 \uc131\uc7a5\ud569\ub2c8\ub2e4. \uc77c\ubcf8\uc758 2025\ub144 \uc804\uba74 \uc801\uc6a9 \uaddc\uc815\uc740 1\ub2ec\ub7ec\uc758 \uc18c\uc561 \uacb0\uc81c\uae4c\uc9c0 \uc778\uc99d\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uc5ec 3DS \ud558\uc758 \uac70\ub798\ub7c9\uc744 \ud06c\uac8c \ub298\ub9b4 \uac83\uc785\ub2c8\ub2e4. \uc778\ub3c4\uc758 \ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4(UPI) \ubaa8\ub378 \ub610\ud55c \uc0dd\uccb4 \uc778\uc2dd\uc744 \uc694\uad6c\ud558\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uce74\ub4dc-\uc9c0\uac11 \ub808\uc77c\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544 \uc804\uc5ed\uc5d0\uc11c\ub294 \ubaa8\ubc14\uc77c \ubc45\ud0b9 \uc571\uc774 \ub300\uc5ed \uc678 \uc778\uc99d\uae30\ub85c \ud65c\uc6a9\ub418\uc5b4 \ubc1c\ud589\uc0ac\uac00 SMS OTP\ub97c \uac74\ub108\ub6f0\uace0 \uc6d0\ud0ed \ud750\ub984\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubc0f \uc8fc\uc694 \ud50c\ub808\uc774\uc5b4<br \/>\n3D Secure Pay Authentication \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc774\uba70, \uc0c1\uc704 10\uac1c \uacf5\uae09\uc5c5\uccb4\uac00 2024\ub144 \ub9e4\ucd9c\uc758 \uc57d 55%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4. CardinalCommerce, Netcetera, Worldline\uc774 \uc8fc\uc694 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \uc804\ubc18\uc5d0 \uac78\uce5c \ucd08\uae30 \uc778\uc99d\uc73c\ub85c \uc120\ub450\ub97c \ub2ec\ub9ac\uace0 \uc788\uc2b5\ub2c8\ub2e4. Stripe\uc758 Radar \ubc0f Adyen\uc758 RevenueProtect\uc640 \uac19\uc740 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc804\ubb38 \uae30\uc5c5\ub4e4\uc740 \uac01 \uac00\ub9f9\uc810\uc758 \uc704\ud5d8 \ud504\ub85c\ud544\uc5d0 \ub9de\ucdb0 \uc790\uccb4 \uc870\uc815\ub418\ub294 AI \ubaa8\ub378\uc744 \ud1b5\ud574 \ucc28\ubcc4\ud654\ub429\ub2c8\ub2e4. FIS\uc758 Global Payments Issuer Solutions \uc0ac\uc5c5\ubd80 \uc778\uc218\uc640 \uac19\uc740 \uc0b0\uc5c5 \ud1b5\ud569\uc740 \uc704\ud5d8 \ub370\uc774\ud130\uc14b\uc744 \ud655\uc7a5\ud558\uc5ec \ubaa8\ub378 \uc815\ud655\ub3c4\ub97c \ube60\ub974\uac8c \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220 \ub85c\ub4dc\ub9f5\uc740 \uc774\uc81c \uc591\uc790 \ud6c4 \uc554\ud638\ud654(post-quantum cryptography) \uc900\ube44\uc5d0 \uc9d1\uc911\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. Microsoft\uc640 Marvell\uc758 HSM \ud30c\ud2b8\ub108\uc2ed\uc740 \uc591\uc790 \uc548\uc804 \ud0a4 \uc800\uc7a5\uc744 \ubcf4\uc7a5\ud558\uae30 \uc704\ud574 \uc2e4\ub9ac\ucf58 \uacf5\uae09\uc5c5\uccb4\uac00 \uac00\uce58 \uc0ac\uc2ac\uc5d0 \uc9c4\uc785\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc0dd\uccb4 \uc778\uc2dd \ubcf4\uc548 \ub610\ud55c \uc911\uc694\ud55c \ucc28\ubcc4\ud654 \uc694\uc18c\ub85c, Entrust\uc758 Onfido \uc778\uc218\ub294 AI \uc0dd\uc131 ID\uc758 \uae09\uc99d\uc5d0 \ub300\uc751\ud558\uc5ec \ub525\ud398\uc774\ud06c \uac10\uc9c0 \uae30\ub2a5\uc744 \ucd94\uac00\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud30c\ud2b8\ub108\uc2ed \uc0dd\ud0dc\uacc4\ub3c4 \uc2ec\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. Worldline\uc740 Visa\uc640\uc758 \ud611\ub825\uc744 \ud655\uc7a5\ud558\uc5ec \ud1a0\ud070\ud654\uc640 3DS\ub97c \ud558\ub098\uc758 \uac00\ub9f9\uc810 \uc5d4\ub4dc\ud3ec\uc778\ud2b8\ub85c \ubb36\uc5b4 \ud1b5\ud569 \uc8fc\uae30\ub97c \ub2e8\ucd95\ud588\uc2b5\ub2c8\ub2e4. ACI Worldwide\uc640 Worldpay\ub294 \uc0ac\uae30 \uc2e0\ud638\uc640 \uc778\uc99d \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158\uc744 \uc5f0\uacb0\ud558\uc5ec \uc804\uccb4\uc801\uc778 \uc704\ud611 \uc6d0\uaca9 \uce21\uc815(telemetry)\uc744 \ud3ec\ucc29\ud558\uae30 \uc704\ud55c \uacf5\uae09\uc5c5\uccb4 \uac04 \ud611\ub825\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc804\ubc18\uc801\uc73c\ub85c, \uc0ac\uae30 \ud0d0\uc9c0, \ud1a0\ud070\ud654, \uc778\uc99d\uc744 \ud1b5\ud569 \ud3ec\ud138\ub85c \ubb36\ub294 \uc194\ub8e8\uc158 \uc81c\uacf5\uc5c5\uccb4\ub294 3D Secure Pay Authentication \uc2dc\uc7a5\uc5d0\uc11c \ud504\ub9ac\ubbf8\uc5c4 \uac00\uaca9\uacfc \uc7a5\uae30 \uacc4\uc57d\uc744 \ud655\ubcf4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \ud50c\ub808\uc774\uc5b4\ub294 GPayments Pty Ltd., CardinalCommerce Corporation, Modirum Oy, Broadcom Inc., Entrust Corporation \ub4f1\uc785\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<br \/>\n*   2025\ub144 4\uc6d4: FIS\ub294 \uc778\uc99d \uc5ed\ub7c9 \uac15\ud654\ub97c \uc704\ud574 Global Payments\uc758 Issuer Solutions \uc0ac\uc5c5\ubd80\ub97c 135\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\uae30\ub85c \ud569\uc758\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 4\uc6d4: Fiserv\ub294 Clover\uc758 \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc2dc\uc7a5 \ud655\uc7a5\uc744 \uc704\ud574 \ube0c\ub77c\uc9c8 \ud540\ud14c\ud06c Money Money\ub97c \uc778\uc218\ud560 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 3\uc6d4: \uc77c\ubcf8\uc740 \ubaa8\ub4e0 \uc628\ub77c\uc778 \uce74\ub4dc \uac70\ub798\uc5d0 \ub300\ud574 100% 3DS \uc758\ubb34\ud654\ub97c \uc2dc\ud589\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: \ub9c8\uc2a4\ud130\uce74\ub4dc\ub294 EMV 3-D Secure \ubc84\uc804 2.1 \uc9c0\uc6d0\uc744 \uc911\ub2e8\ud558\uc5ec \ubaa8\ub4e0 \uc0dd\ud0dc\uacc4 \ucc38\uc5ec\uc790\uac00 2.2+\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ud558\ub3c4\ub85d \uac15\uc81c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uae00\ub85c\ubc8c 3D Secure \uacb0\uc81c \uc778\uc99d \uc2dc\uc7a5\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc778 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uba70, \uc2dc\uc7a5 \uac00\uc815 \ubc0f \uc815\uc758, \uc5f0\uad6c \ubc29\ubc95\ub860, \uc8fc\uc694 \uc694\uc57d, \uc2dc\uc7a5 \ud658\uacbd, \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21, \uacbd\uc7c1 \ud658\uacbd, \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd\uc744 \uc0c1\uc138\ud788 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc131\uc7a5 \uc608\uce21:<br \/>\n\uae00\ub85c\ubc8c 3D Secure \uacb0\uc81c \uc778\uc99d \uc2dc\uc7a5\uc740 2025\ub144 16\uc5b5 3\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2030\ub144\uae4c\uc9c0 29\uc5b5 6\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 12.61%\uc5d0 \ub2ec\ud558\ub294 \uacac\uc870\ud55c \uc131\uc7a5\uc138\ub97c \ubcf4\uc77c \uc804\ub9dd\uc785\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\uc778:<br \/>\n\uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uacac\uc778\ud558\ub294 \uc8fc\uc694 \ub3d9\ub825\uc73c\ub85c\ub294 \uc804\uc790\uc0c1\uac70\ub798 \ubc0f CNP(\uce74\ub4dc \ubbf8\uc81c\uc2dc) \uc0ac\uae30\uc758 \uae09\uc99d, PSD2 SCA(\uac15\ub825\ud55c \uace0\uac1d \uc778\uc99d)\uc640 \uac19\uc740 \uaddc\uc81c \uc758\ubb34\uc758 \uac15\ud654, EMV 3-D Secure 2.x \ud45c\uc900\uc73c\ub85c\uc758 \uc804\ud658 \uac00\uc18d\ud654, \ubaa8\ubc14\uc77c \uc9c0\uac11 \ubc0f \uc778\uc571(in-app) \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud3ed\ubc1c\uc801\uc778 \uc131\uc7a5, WebAuthn\/\ud328\uc2a4\ud0a4(passkey) \ud1b5\ud569, \uadf8\ub9ac\uace0 \ud074\ub77c\uc6b0\ub4dc HSM(\ud558\ub4dc\uc6e8\uc5b4 \ubcf4\uc548 \ubaa8\ub4c8) \uae30\ubc18\uc758 \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc810\uc218\ud654 \uae30\uc220 \ubc1c\uc804 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778:<br \/>\n\ubc18\uba74, \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc694\uc778\uc73c\ub85c\ub294 \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc5d0 \ub530\ub974\ub294 \ub192\uc740 \ube44\uc6a9\uacfc \ubcf5\uc7a1\uc131, \uaddc\uc81c \uc758\ubb34\uac00 \uc5c6\ub294 \uc9c0\uc5ed\uc5d0\uc11c\uc758 \uacb0\uc81c \uacfc\uc815 \ub9c8\ucc30(checkout friction), \uc2e0\ud765 \uc2dc\uc7a5 \ub0b4 \ubc1c\ud589\uc0ac\ub4e4\uc758 \ubd88\uade0\uc77c\ud55c \uc900\ube44 \uc0c1\ud0dc, \uadf8\ub9ac\uace0 \ub370\uc774\ud130 \uacf5\uc720\ub97c \uc81c\ud55c\ud558\ub294 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc815 \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \ud1b5\ucc30:<br \/>\n*   \uad6c\uc131 \uc694\uc18c\ubcc4: 3-D Secure \uc11c\ubc84\/\uac00\ub9f9\uc810 \ud50c\ub7ec\uadf8\uc778(Merchant Plug-in)\uc774 37.43%\uc758 \uac00\uc7a5 \ud070 \ub9e4\ucd9c \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uba70 \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uac00\ub9f9\uc810\ub4e4\uc774 \uc778\uc99d \ud750\ub984\uc5d0 \ub300\ud55c \uc9c1\uc811\uc801\uc778 \ud1b5\uc81c\ub97c \uc6b0\uc120\uc2dc\ud558\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. Access Control Server (ACS), Directory Server, SDK \ubc0f \ud1b5\ud569 \uc11c\ube44\uc2a4 \ub4f1\ub3c4 \uc911\uc694\ud55c \uad6c\uc131 \uc694\uc18c\ub85c \ubd84\uc11d\ub429\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubaa8\ub4dc\ubcc4: \uc628\ud504\ub808\ubbf8\uc2a4, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18, \ud558\uc774\ube0c\ub9ac\ub4dc \ubc29\uc2dd\uc774 \uc2dc\uc7a5\uc5d0 \uc874\uc7ac\ud569\ub2c8\ub2e4.<br \/>\n*   \uc778\uc99d \ud750\ub984 \uc720\ud615\ubcc4: \uba38\uc2e0\ub7ec\ub2dd \uae30\ubc18 \uc704\ud5d8 \ubaa8\ub378\uc774 \ub0ae\uc740 \uc704\ud5d8\uc758 \uac70\ub798\ub97c \ucd94\uac00 \ub2e8\uacc4 \uc5c6\uc774 \uc2b9\uc778\ud558\uc5ec \uacb0\uc81c \uc18d\ub3c4\ub97c \ud5a5\uc0c1\uc2dc\ud0a4\uba74\uc11c, &#8216;\ub9c8\ucc30 \uc5c6\ub294 \ud750\ub984(Frictionless Flow)&#8217;\uc774 12.97%\uc758 CAGR\ub85c &#8216;\ucc4c\ub9b0\uc9c0 \ud750\ub984(Challenge Flow)&#8217;\ubcf4\ub2e4 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. Out-of-Band\/Decoupled Flow \ubc0f Delegated Authentication\ub3c4 \ubd84\uc11d \ub300\uc0c1\uc785\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uc740\ud589\/\ubc1c\ud589\uc0ac, \uac00\ub9f9\uc810 \ubc0f \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774, \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4(PSP), \ud540\ud14c\ud06c \ubc0f BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \ud50c\ub7ab\ud3fc \ub4f1\uc774 \uc8fc\uc694 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uadf8\ub8f9\uc744 \ud615\uc131\ud569\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \ubaa8\ubc14\uc77c \uc9c0\uac11\uc758 \uc9c0\ubc30\ub825\uacfc \uc77c\ubcf8\uc758 2025\ub144 100% \uc778\uc99d \uc758\ubb34\ud654\uc640 \uac19\uc740 \uaddc\uc81c\uc5d0 \ud798\uc785\uc5b4 12.89%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubd81\ubbf8, \uc720\ub7fd, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74, \ub0a8\ubbf8 \uc9c0\uc5ed \ub610\ud55c \uc0c1\uc138\ud788 \ubd84\uc11d\ub429\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220 \ubc0f \uaddc\uc81c \ud658\uacbd:<br \/>\n\ubcf4\uace0\uc11c\ub294 \uaddc\uc81c \ud658\uacbd\uacfc \uae30\uc220\uc801 \uc804\ub9dd\uc744 \ub2e4\ub8e8\uba70, \ud2b9\ud788 \ud3ec\uc2a4\ud2b8 \uc591\uc790(post-quantum) \uc704\ud611\uc5d0 \ub300\ud55c \ub300\uc751\uc73c\ub85c FIPS 140-3 Level-3 HSM \ubc30\ud3ec \ubc0f \uc591\uc790 \uc800\ud56d \uc554\ud638\ud654 \uc54c\uace0\ub9ac\uc998 \uac1c\ubc1c\uc744 \ud1b5\ud574 \ucd08\uace0\uc18d \uc778\uc99d \uc18d\ub3c4\ub97c \uc720\uc9c0\ud558\ub824\ub294 \ubca4\ub354\ub4e4\uc758 \ub178\ub825\uc744 \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<br \/>\n\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d \ubc0f \uc0c1\uc138\ud55c \uae30\uc5c5 \ud504\ub85c\ud544\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ucd5c\uadfc FIS\uac00 Global Payments\uc758 Issuer Solutions\ub97c 135\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\uc5ec \uc5f0\uac04 400\uc5b5 \uac74\uc758 \uac70\ub798\ub97c \uc0ac\uae30 \ubc0f \uc778\uc99d \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc5d0 \ucd94\uac00\ud55c \uc0ac\ub840\ub294 \uc2dc\uc7a5 \uc7ac\ud3b8\uc758 \uc911\uc694\ud55c M&#038;A\ub85c \uc5b8\uae09\ub429\ub2c8\ub2e4. GPayments, CardinalCommerce, Modirum, Broadcom, Entrust, RSA Security, Fiserv, Decta, Marqeta, Bluefin Payment Systems, Entersekt, Thales Group, Netcetera, Worldline, Adyen, ACI Worldwide, Mastercard, Visa, American Express, JCB, Discover Financial Services \ub4f1 \ub2e4\uc218\uc758 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc774 \ud504\ub85c\ud30c\uc77c\ub9c1\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd:<br \/>\n\ubcf4\uace0\uc11c\ub294 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5(white-space) \ubc0f \ucda9\uc871\ub418\uc9c0 \uc54a\uc740 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \ud3c9\uac00\ub97c \ud1b5\ud574 \uc2dc\uc7a5\uc758 \uc0c8\ub85c\uc6b4 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud558\uba70, \uc9c0\uc18d\uc801\uc778 \ud601\uc2e0\uacfc \uc804\ub7b5\uc801 \ud22c\uc790\uc758 \uc911\uc694\uc131\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-42484","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\/42484"}],"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=42484"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/42484\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=42484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=42484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=42484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}