{"id":46591,"date":"2026-02-19T09:20:13","date_gmt":"2026-02-19T09:20:13","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/crime-risk-report-market-mordor\/"},"modified":"2026-09-25T00:25:00","modified_gmt":"2026-09-24T15:25:00","slug":"crime-risk-report-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/crime-risk-report-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026\ub144 &#8211; 2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/crime-risk-report-market-1750565042391-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\/crime-risk-report-market-size-image-1770816677857.webp\" alt=\"Chart\" class=\"aligncenter size-full\" \/><\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-0\">\n    1. \uc11c\ub860<\/p>\n<ul>\n<li class=\"toc-level-2\">\n          1.1 \uc5f0\uad6c \uac00\uc815 \ubc0f \uc2dc\uc7a5 \uc815\uc758<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          1.2 \uc5f0\uad6c \ubc94\uc704<\/p>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-1\">\n    2. \uc5f0\uad6c \ubc29\ubc95\ub860<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-2\">\n    3. \uc694\uc57d<\/p>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-3\">\n    4. \uc2dc\uc7a5 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">\n          4.1 \uc2dc\uc7a5 \uac1c\uc694<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          4.2 \uc2dc\uc7a5 \ub3d9\uc778<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          4.2.1 BFSI \ubc0f \ubd80\ub3d9\uc0b0 \uc804\ubc18\uc758 \ub514\uc9c0\ud138\ud654 \uac00\uc18d\ud654<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.2.2 \uaddc\uc81c \uc900\uc218 \ube44\uc6a9 \uc99d\uac00 \ubc0f \uaddc\uc81c \uc870\uc0ac \uac15\ud654<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.2.3 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubc94\uc8c4 \uc704\ud5d8 \ubd84\uc11d\uc73c\ub85c\uc758 \uc804\ud658<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.2.4 \ubd80\ub3d9\uc0b0 \uac00\uce58 \ud3c9\uac00\ub97c \uc704\ud55c AI \uc9c0\ub9ac \uacf5\uac04 \ubbf8\uc138 \uc608\uce21<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.2.5 \ub3d9\uc801 IoT \uc790\uc0b0 \ubcf4\ud5d8\uc744 \uc704\ud55c \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ud654<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          4.3 \uc2dc\uc7a5 \uc81c\uc57d<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          4.3.1 \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5 \uc6b0\ub824 \ubc0f \uc2e0\ud765 \uaddc\uc81c<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.3.2 \uad00\ud560\uad8c\ubcc4 \ud30c\ud3b8\ud654\ub41c \ub370\uc774\ud130 \ud45c\uc900<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.3.3 \uc678\ubd80 \ud53c\ub4dc \uc218\uc694\ub97c \uc904\uc774\ub294 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ud569\uc131 \ub370\uc774\ud130<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          4.4 \uaddc\uc81c \ud658\uacbd<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          4.5 \uae30\uc220 \uc804\ub9dd<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          4.6 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          4.6.1 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.6.2 \uad6c\ub9e4\uc790\uc758 \uad50\uc12d\ub825<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.6.3 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.6.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          4.6.5 \uacbd\uc7c1 \uac15\ub3c4<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">\n    5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">\n          5.1 \uad6c\uc131 \uc694\uc18c\ubcc4<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          5.1.1 \uc18c\ud504\ud2b8\uc6e8\uc5b4<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.1.2 \uc11c\ube44\uc2a4<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          5.2 \ubc30\ud3ec \ubc29\uc2dd\ubcc4<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          5.2.1 \uc628\ud504\ub808\ubbf8\uc2a4<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.2.2 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          5.3 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          5.3.1 \uc740\ud589<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.3.2 \ubcf4\ud5d8<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.3.3 \ubd80\ub3d9\uc0b0<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.3.4 \ubc95 \uc9d1\ud589 \ubc0f \uacf5\uacf5 \uc548\uc804 \uae30\uad00<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.3.5 \uae30\ud0c0 \uc0b0\uc5c5 (\uc720\ud2f8\ub9ac\ud2f0, \uc18c\ub9e4, \ud1b5\uc2e0)<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          5.4 \uc194\ub8e8\uc158 \uc720\ud615\ubcc4<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          5.4.1 \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f AML<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.4.2 \ubc94\uc8c4 \ub9e4\ud551 \ubc0f \uc608\uce21 \ubd84\uc11d<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.4.3 \uaddc\uc815 \uc900\uc218 \ubc0f KYC \ubcf4\uace0<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.4.4 \uc7ac\uc0b0 \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ud654<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.4.5 \uc815\ubcf4 \ubc0f \uc218\uc0ac \ud50c\ub7ab\ud3fc<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">\n          5.5 \uc9c0\uc5ed\ubcc4<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          5.5.1 \ubd81\ubbf8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.1.1 \ubbf8\uad6d<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.1.2 \uce90\ub098\ub2e4<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.1.3 \uba55\uc2dc\ucf54<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.5.2 \ub0a8\ubbf8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.2.1 \ube0c\ub77c\uc9c8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.2.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.2.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.5.3 \uc720\ub7fd<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.1 \ub3c5\uc77c<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.2 \uc601\uad6d<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.3 \ud504\ub791\uc2a4<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.4 \uc774\ud0c8\ub9ac\uc544<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.5 \uc2a4\ud398\uc778<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.3.6 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.1 \uc911\uad6d<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.2 \uc77c\ubcf8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.3 \uc778\ub3c4<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.4 \ub300\ud55c\ubbfc\uad6d<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.5 \ud638\uc8fc \ubc0f \ub274\uc9c8\ub79c\ub4dc<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.4.6 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.5.5 \uc911\ub3d9<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.5.1 \uc774\uc2a4\ub77c\uc5d8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.5.3 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.5.4 \ud280\ub974\ud0a4\uc608<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.5.5 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          5.5.6 \uc544\ud504\ub9ac\uce74<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.6.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.6.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.6.3 \uc774\uc9d1\ud2b8<\/p>\n<\/li>\n<li class=\"toc-level-4\">\n          5.5.6.4 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">\n    6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">\n          6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/p>\n<\/li>\n<li class=\"toc-level-2\">\n          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, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)<\/p>\n<ul>\n<li class=\"toc-level-3\">\n          6.4.1 ACI Worldwide Inc.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.2 Capco (Wipro Ltd.)<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.3 CoreLogic Inc.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.4 Fenergo Ltd.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.5 Fiserv Inc.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.6 IBM Corporation<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.7 Mphasis Ltd.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.8 NICE Ltd. \/ NICE Actimize<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.9 Oracle Corporation<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.10 Refinitiv (LSEG)<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.11 RiskScreen (KYC Global Tech)<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.12 LexisNexis Risk Solutions<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.13 SAS Institute Inc.<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.14 Palantir Technologies<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.15 Moody&#8217;s Analytics<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.16 Thomson Reuters<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.17 BAE Systems Applied Intelligence<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.18 ServiceNow (Risk and ESG)<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.19 Experian PLC<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.20 Fair Isaac Corporation (FICO)<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.21 Accenture PLC<\/p>\n<\/li>\n<li class=\"toc-level-3\">\n          6.4.22 SandP Global Market Intelligence<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">\n    7. \uc2dc\uc7a5 \uae30\ud68c \ubc0f \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc608\uce21 (2026-2031)<\/p>\n<p>1. \uc2dc\uc7a5 \uac1c\uc694<\/p>\n<p>\ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc740 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 15.18%\uc758 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70, 2026\ub144 132\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144 268\uc5b5 4\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. 2025\ub144 \uc2dc\uc7a5 \uac00\uce58\ub294 115\uc5b5 \ub2ec\ub7ec\ub85c \ud3c9\uac00\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4, \ubcf4\ud5d8 \ubc0f \ubd80\ub3d9\uc0b0(BFSI) \ubd80\ubb38\uc758 \uae09\uaca9\ud55c \ub514\uc9c0\ud138\ud654\uc5d0 \ubfcc\ub9ac\ub97c \ub450\uace0 \uc788\uc73c\uba70, \uc774\ub4e4 \uae30\uad00\uc740 \uc774\uc81c \uace0\uc18d \uac70\ub798 \ud750\ub984\uc744 \ucc98\ub9ac\ud558\uace0 \uc0ac\uae30\ub97c \ubc00\ub9ac\ucd08 \ub2e8\uc704\ub85c \uac10\uc9c0\ud574\uc57c \ud558\ub294 \uacfc\uc81c\uc5d0 \uc9c1\uba74\ud574 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud2b9\ud788, 2025\ub144 12\uc6d4\ubd80\ud130 \uc2dc\ud589\ub418\ub294 FinCEN(\ubbf8\uad6d \uc7ac\ubb34\ubd80 \uae08\uc735\ubc94\uc8c4\ub2e8\uc18d\ub124\ud2b8\uc6cc\ud06c)\uc758 \ube44\uae08\uc735 \uc8fc\uac70\uc6a9 \ubd80\ub3d9\uc0b0 \uc774\uc804 \ubcf4\uace0 \uaddc\uce59\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \uc758\ubb34\ub294 \uc774\uc804\uc5d0 \uaddc\uc81c \ubc94\uc704 \ubc16\uc5d0 \uc788\ub358 \ub2f9\uc0ac\uc790\ub4e4\uc5d0\uac8c \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc758\ubb34\ub97c \ud655\ub300\ud568\uc73c\ub85c\uc368 \uc2dc\uc7a5\uc758 \uae34\uae09\uc131\uc744 \ub354\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2019\ub144 \uc774\ud6c4 \uc740\ud589\uc5d0 \ubd80\uacfc\ub41c 3,420\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 AML \ubc8c\uae08\uc740 \uc218\ub3d9 \uac80\ud1a0\ub97c \ucd5c\uc18c\ud654\ud558\ub294 AI \uae30\ubc18 \uac10\uc2dc \ub3c4\uad6c \ucc44\ud0dd\uc744 \uac15\uc81c\ud558\ub294 \uc7ac\uc815\uc801 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud558\uc5ec \uc2dc\uc7a5 \uc9c0\ucd9c \ubaa8\uba58\ud140\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubc30\ud3ec\ub294 \uc2e4\uc2dc\uac04 \uac10\uc2dc \ubaa9\ub85d \uc2a4\ud06c\ub9ac\ub2dd, \uace0\uae09 \uadf8\ub798\ud504 \ubd84\uc11d \ubc0f \ub3d9\uc801 \uc704\ud5d8 \uc810\uc218\ud654\ub97c \uc218\uc6a9\ud558\uba74\uc11c \uc624\ud0d0(false positives)\uc744 \ucd5c\ub300 65%\uae4c\uc9c0 \uc904\uc77c \uc218 \uc788\uc5b4 \uae30\ubcf8 \uc811\uadfc \ubc29\uc2dd\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8\uac00 390\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 CHIPS Act\uc640 \uac19\uc740 \uacf5\uacf5 \uc778\uc13c\ud2f0\ube0c\uac00 \uad6d\ub0b4 \ubc18\ub3c4\uccb4 \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uc5ec \ubc94\uc8c4 \ubd84\uc11d \uc6cc\ud06c\ub85c\ub4dc\ub97c \uc9c0\uc6d0\ud558\ub294 \ud558\ub4dc\uc6e8\uc5b4 \uae30\ubc18\uc744 \uac04\uc811\uc801\uc73c\ub85c \ud5a5\uc0c1\uc2dc\ud0a4\uba74\uc11c \uc2dc\uc7a5 \ub9ac\ub354\uc2ed\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud55c\ud3b8, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2026\ub144 7\uc6d4\ubd80\ud130 \uc57d 8\ub9cc \uac1c\uc758 \ucd94\uac00 \uae30\uc5c5\uc744 AML\/CTF(\uc790\uae08\uc138\ud0c1\ubc29\uc9c0\/\ud14c\ub7ec\uc790\uae08\uc870\ub2ec\ubc29\uc9c0) \uaddc\uc81c\uc5d0 \ud3ec\ud568\uc2dc\ud0a4\ub824\ub294 \ud638\uc8fc\uc758 \uacc4\ud68d\uc5d0 \ud798\uc785\uc5b4 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n<p>2. \uc8fc\uc694 \ubcf4\uace0\uc11c \uc694\uc57d<\/p>\n<p>*   \uad6c\uc131 \uc694\uc18c\ubcc4: \uc18c\ud504\ud2b8\uc6e8\uc5b4 \ud50c\ub7ab\ud3fc\uc774 2025\ub144 \ub9e4\ucd9c\uc758 69.35%\ub97c \ucc28\uc9c0\ud558\uba70 \uc2dc\uc7a5\uc744 \uc9c0\ubc30\ud588\uc2b5\ub2c8\ub2e4. \ucee8\uc124\ud305 \ubc0f \uad00\ub9ac \uc11c\ube44\uc2a4\ub294 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 17.9% \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubc29\uc2dd\ubcc4: \ud074\ub77c\uc6b0\ub4dc \ubaa8\ub378\uc774 2025\ub144 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 64.60%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uad6c\uc131\uc774 \ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4: \uc740\ud589 \uae30\uad00\uc774 2025\ub144 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \uaddc\ubaa8\uc758 46.85%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \ubcf4\ud5d8 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 17.25% \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4.<br \/>\n*   \uc194\ub8e8\uc158 \uc720\ud615\ubcc4: \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f AML \ub3c4\uad6c\uac00 2025\ub144 \ub9e4\ucd9c\uc758 34.25%\ub97c \uc8fc\ub3c4\ud588\uc73c\uba70, \uc815\ubcf4 \ubc0f \uc870\uc0ac \ud50c\ub7ab\ud3fc\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 19.4%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc9c0\uc5ed\ubcc4: \ubd81\ubbf8\uac00 2025\ub144 \ub9e4\ucd9c\uc758 38.60%\ub97c \uae30\uc5ec\ud558\uba70 \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud588\uc2b5\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591\uc740 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 17.55%\uc758 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>3. \uc2dc\uc7a5 \ub3d9\uc778<\/p>\n<p>*   BFSI \ubc0f \ubd80\ub3d9\uc0b0 \ubd80\ubb38\uc758 \ub514\uc9c0\ud138\ud654 \uac00\uc18d\ud654 (CAGR \uc601\ud5a5 +4.2%): \uae08\uc735 \uae30\uad00\uc740 \ub9e4\ub144 \uc218\uc870 \ub2ec\ub7ec\uc758 \uacb0\uc81c\ub97c \uc2a4\ud06c\ub9ac\ub2dd\ud558\uace0 2023\ub144 29\uc5b5 \ub2ec\ub7ec\uc758 \uc190\uc2e4\uc744 \ucd08\ub798\ud55c \ube44\uc988\ub2c8\uc2a4 \uc774\uba54\uc77c \uce68\ud574(BEC) \uc0ac\uae30\ub97c \ud0d0\uc9c0\ud558\ub294 AI \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uc5d4\uc9c4\uc5d0 \uc758\uc874\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. FinCEN\uc758 \uacf5\uac1c \uaddc\uce59\uc73c\ub85c \uac00\uc18d\ud654\ub41c \ubd80\ub3d9\uc0b0 \ub514\uc9c0\ud138 \uc6cc\ud06c\ud50c\ub85c\uc6b0\uc758 \ubcd1\ud589 \ubc1c\uc804\uc740 \ub4f1\uae30 \ub300\ub9ac\uc778 \ubc0f \ubd80\ub3d9\uc0b0 \ud50c\ub7ab\ud3fc\uc774 \ud3d0\uc1c4 \uc2dc \uc720\ub839 \ud68c\uc0ac \uc18c\uc720 \uad6c\uc870\ub97c \ub9e4\ud551\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub525\ud398\uc774\ud06c \uc2e0\uc6d0 \uc0ac\uae30\ub294 \uc774\ub7ec\ud55c \uc704\ud611\uc744 \uc99d\ud3ed\uc2dc\ucf1c \ube44\ub514\uc624, \uc74c\uc131 \ubc0f \ubb38\uc11c \uc2a4\ud2b8\ub9bc\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc778\uc99d\ud560 \uc218 \uc788\ub294 \ub2e4\uc911 \ubaa8\ub4dc \uc0dd\uccb4 \uc778\uc2dd \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uaddc\uc81c \uae30\uad00\uc740 AI \uc0dd\uc131 \ud398\ub974\uc18c\ub098\uac00 \uc2e0\uaddc \uacc4\uc88c \uac1c\uc124\uc5d0 \ub098\ud0c0\ub098\uace0 \uc788\ub2e4\uace0 \uacbd\uace0\ud558\uba70, \ud569\uc131 ID\uc5d0 \ub9de\ucdb0 \uc870\uc815\ub41c \uba38\uc2e0\ub7ec\ub2dd \ubaa8\ub378\uc5d0 \ub300\ud55c \ud22c\uc790 \uc0ac\ub840\ub97c \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc218\ub3d9 \uac10\uc0ac\ub85c\ub294 \ubcf4\uc774\uc9c0 \uc54a\ub294 \ubc94\uc8c4 \ud328\ud134\uc744 \ucc3e\uc544\ub0b4\ub294 \uc608\uce21 \ubd84\uc11d\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uc790\ubcf8 \ud560\ub2f9\uc73c\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4.<\/p>\n<p>*   \uaddc\uc81c \uc900\uc218 \ube44\uc6a9 \uc99d\uac00 \ubc0f \uaddc\uc81c \uac15\ud654 (CAGR \uc601\ud5a5 +3.8%): 2019\ub144 \uc774\ud6c4 \uc804\ub840 \uc5c6\ub294 3,420\uc5b5 \ub2ec\ub7ec\uc758 AML \ubc8c\uae08\uc740 \uaddc\uc81c \ubbf8\uc900\uc218\uc758 \uc7ac\uc815\uc801 \ubd80\ub2f4\uc744 \ubcf4\uc5ec\uc8fc\uba70, \uc740\ud589\uc774 \uc0ac\ub840 \uc870\uc0ac \ubc0f \uc81c\uc7ac \uc2a4\ud06c\ub9ac\ub2dd\uc744 \uc790\ub3d9\ud654\ud558\ub3c4\ub85d \uc7a5\ub824\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae00\ub85c\ubc8c \uacbd\uc601\uc9c4\uc740 \ubcc0\ud654\ud558\ub294 \uaddc\uce59\uc744 \uac00\uc7a5 \ud070 \uc7a5\uc560\ubb3c\ub85c \uaf3d\uc73c\uba70, 49%\uac00 \uc81c\uc7ac \uc5c5\ub370\uc774\ud2b8\uc5d0 \ubcf4\uc870\ub97c \ub9de\ucd94\ub294 \uac83\uc744 \uc8fc\uc694 \uacfc\uc81c\ub85c \uc5b8\uae09\ud569\ub2c8\ub2e4. \uce90\ub098\ub2e4\uc640 \ubbf8\uad6d\uc758 \uc2e4\uc18c\uc720\uc790 \ud22c\uba85\uc131 \ubc95\ub960\uc740 \ud2b9\ud788 \ubd80\ub3d9\uc0b0 \uac70\ub798\uc5d0\uc11c \ubcf4\uace0\uc758 \uc138\ubd84\uc131\uc744 \ud655\ub300\ud569\ub2c8\ub2e4. \uc554\ud638\ud654\ud3d0 \uc790\uc0b0 \uac10\ub3c5\ub3c4 \ud655\ub300\ub418\uc5b4, \uc0c8\ub85c\uc6b4 FATF(\uc790\uae08\uc138\ud0c1\ubc29\uc9c0\uae30\uad6c) \uc9c0\uce68\uc740 \ubbf9\uc11c \ubc0f \uc5ec\ub7ec \uac70\ub798\uc18c\ub97c \ud1b5\ud574 \uc790\uc0b0\uc744 \ucd94\uc801\ud560 \uc218 \uc788\ub294 \ube14\ub85d\uccb4\uc778 \ud3ec\ub80c\uc2dd \ud1b5\ud569\uc744 \uc758\ubb34\ud654\ud569\ub2c8\ub2e4. \ud504\ub85c\uadf8\ub7a8 \ud6a8\uacfc\uc5d0 \ub300\ud55c \uc2e4\uc2dc\uac04 \uac10\uc0ac \uc900\ube44 \uc99d\uac70\ub97c \uc81c\uc2dc\ud560 \uc218 \uc5c6\ub294 \uae30\uad00\uc740 \ub354 \ubb34\uac70\uc6b4 \ubc8c\uae08\uc5d0 \uc9c1\uba74\ud558\uc5ec \uc9c0\ub2a5\ud615 \uac10\uc2dc \uc2dc\uc2a4\ud15c\uc758 \ucc44\ud0dd\uc744 \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ubc94\uc8c4 \uc704\ud5d8 \ubd84\uc11d\uc73c\ub85c\uc758 \uc804\ud658 (CAGR \uc601\ud5a5 +3.1%): \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc740 \uacbd\uace0 \uae09\uc99d \uc2dc \uc218\ud3c9\uc801 \uc790\ub3d9 \ud655\uc7a5\uc744 \uac00\ub2a5\ud558\uac8c \ud558\uace0, \ucd1d \uc18c\uc720 \ube44\uc6a9\uc744 \ucd5c\ub300 40%\uae4c\uc9c0 \uc808\uac10\ud558\uba70, \ubaa8\ub378 \uc0c8\ub85c \uace0\uce68 \ube48\ub3c4\ub97c \ub192\uc5ec \ubc94\uc8c4 \ubd84\uc11d \uc544\ud0a4\ud14d\ucc98\ub97c \uc7ac\uc815\uc758\ud588\uc2b5\ub2c8\ub2e4. SAS\uc640 Neterium\uc758 \uc2e4\uc2dc\uac04 \uac10\uc2dc \ubaa9\ub85d \uc2a4\ud06c\ub9ac\ub2dd \uc11c\ube44\uc2a4\ub294 \uc624\ud0d0\uc744 65% \uc904\uc774\uace0 \ubc00\ub9ac\ucd08 \ub2e8\uc704\ub85c \uc758\uc0ac \uacb0\uc815\uc744 \uc0dd\uc131\ud558\uc5ec \uc6b4\uc601\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. GAMA-1\uc758 NOAA \ub370\uc774\ud130 97TB\ub97c AWS, Azure, Google Cloud\uc5d0 \ubcf5\uc81c\ud558\ub294 \uac83\uacfc \uac19\uc740 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \ubcf5\uc81c \ud504\ub85c\uc81d\ud2b8\ub294 \uacf5\uae09\uc5c5\uccb4 \uc885\uc18d \uc5c6\uc774 \ud398\ud0c0\ubc14\uc774\ud2b8 \uaddc\ubaa8\uc758 \ubc94\uc8c4 \ub370\uc774\ud130 \uc138\ud2b8\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \uac00\ub2a5\uc131\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uace0\uc131\ub2a5 \uc778\ud504\ub77c\uac00 \ubd80\uc871\ud588\ub358 \uc18c\uaddc\ubaa8 \uae30\uad00\ub4e4\ub3c4 \uc774\uc81c \uae00\ub85c\ubc8c \uc740\ud589\uacfc \ub3d9\uc77c\ud55c \ud0d0\uc9c0 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 \uc11c\ube44\uc2a4\ud615 \ud50c\ub7ab\ud3fc(PaaS)\uc744 \uad6c\ub3c5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc740 \uace0\uae09 \ubd84\uc11d\uc5d0 \ub300\ud55c \uc811\uadfc\uc131\uc774 \ubbfc\uc8fc\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ubd80\ub3d9\uc0b0 \uac00\uce58 \ud3c9\uac00\ub97c \uc704\ud55c AI \uc9c0\ub9ac \uacf5\uac04 \ubbf8\uc138 \uc608\uce21 (CAGR \uc601\ud5a5 +2.3%): \uc9c0\ub9ac \uacf5\uac04 \ubaa8\ub378\uc740 \uacfc\uac70 \ubc94\uc8c4 \ud1b5\uacc4, \uc778\uad6c \ud1b5\uacc4\ud559\uc801 \ubcc0\ud654 \ubc0f \uc704\uc131 \uc774\ubbf8\uc9c0\ub97c \uc735\ud569\ud558\uc5ec \ube14\ub85d \uc218\uc900 \uc704\ud5d8 \uc810\uc218\ub97c \ud560\ub2f9\ud558\uace0, \ub3d9\uc801 \ubcf4\ud5d8 \uac00\uaca9 \ucc45\uc815 \ubc0f \uc790\ub3d9\ud654\ub41c \uac00\uce58 \ud3c9\uac00 \ubaa8\ub378\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4. NYPD\uac00 \ubc94\uc8c4 \ud56b\uc2a4\ud31f\uc744 \uc815\ud655\ud788 \ucc3e\uc544\ub0b4\uae30 \uc704\ud574 Random Forest \ubc0f K-Means \uc54c\uace0\ub9ac\uc998\uc744 \uc0ac\uc6a9\ud55c \uac83\uc740 \uc704\uce58 \uc778\uc2dd \ubd84\uc11d\uc758 \uc608\uce21\ub825\uc744 \uc785\uc99d\ud569\ub2c8\ub2e4. \uc575\ucee4\ub9ac\uc9c0\uc758 573\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \ud3c9\uac00 \uac00\uce58\ub97c \uac10\ub3c5\ud558\ub294 \uc2dc \uac10\uc815\uc0ac \ud300\uc740 \uc138\uae08 \uae30\ubc18\uc744 \uacc4\uc0b0\ud560 \ub54c \ubc94\uc8c4 \uc704\ud5d8 \uc785\ub825\uc744 \ud1b5\ud569\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \uc778\uadfc \ubc94\uc8c4\uac00 \ubd80\ub3d9\uc0b0 \uac00\uce58\ub97c 10-15% \uac10\uc18c\uc2dc\ud0ac \uc218 \uc788\ub2e4\uace0 \ucd94\uc815\ud558\uba70, \uc774\ub294 \ubcf4\ud5d8 \uc778\uc218 \uc804\ub7b5\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. AI \uc5d4\uc9c4\uc740 \uc774\uc81c \uc13c\uc11c \ub370\uc774\ud130\uc640 \ud568\uaed8 \uc18c\uc15c \ubbf8\ub514\uc5b4 \uac10\uc131\uc744 \uc2a4\ud06c\ub7a9\ud558\uc5ec \ub9c8\uc774\ud06c\ub85c \uc2dc\uc7a5\uc758 \uc704\ud5d8 \ud655\ub960\uc744 \uc815\uad50\ud654\ud558\uba70, \uc774\ub294 \ub300\ucd9c \uae30\uad00 \ubc0f \ubcf4\ud5d8\uc0ac\uc5d0\uac8c \uacbd\uc7c1 \uc6b0\uc704\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>4. \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5 \uc6b0\ub824 \ubc0f \uc2e0\ud765 \uaddc\uc81c (CAGR \uc601\ud5a5 -2.1%): \uc8fc \ucc28\uc6d0\uc758 AI \ubc95\ub960\uc5d0 \ub300\ud55c 10\ub144 \uc720\uc608\ub97c \ubaa8\uc0c9\ud558\ub294 \ubbf8\uad6d \ubc95\uc548\uc740 \uc790\ub3d9\ud654\ub41c \uc758\uc0ac \uacb0\uc815 \uaddc\uc81c\uc758 \uc815\uce58\uc801 \ubcf5\uc7a1\uc131\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc0b0\ud638\uc138\uc640 \uac19\uc740 \ub3c4\uc2dc\ub294 \uc774\ubbf8 \uc608\uce21 \uce58\uc548\uc5d0 \ub300\ud55c AI \ud22c\uba85\uc131 \uaddc\uce59\uc744 \uc2dc\ud589\ud558\uc5ec \uacf5\uae09\uc5c5\uccb4\uac00 \ubaa8\ub378 \ub17c\ub9ac\ub97c \uacf5\uacf5 \uac10\ub3c5 \uae30\uad00\uc5d0 \uacf5\uac1c\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ube44\uc790 \uae08\uc735 \ubcf4\ud638\uad6d(CFPB)\uc740 \uae30\uc874 \uacf5\uc815 \ub300\ucd9c \ubc95\uaddc\uac00 \uba38\uc2e0\ub7ec\ub2dd \uc2e0\uc6a9 \ubaa8\ub378\uc5d0\ub3c4 \ub3d9\uc77c\ud558\uac8c \uc801\uc6a9\ub41c\ub2e4\uace0 \uba85\ud655\ud788 \ud558\uc5ec, \uc740\ud589\uc774 \uc54c\uace0\ub9ac\uc998 \uc911\ub9bd\uc131\uc744 \ubb38\uc11c\ud654\ud558\uae30 \uc704\ud574 \ud3b8\ud5a5 \ud14c\uc2a4\ud2b8 \ud30c\uc774\ud504\ub77c\uc778\uc744 \ucc44\ud0dd\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac70\ubc84\ub10c\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c, \ubcf4\uc548 \ubaa8\ub378 \uac10\uc0ac \ucd94\uc801 \ubc0f \uc124\uba85 \uac00\ub2a5\uc131 \ud234\ud0b7\uc774 \ud544\uc694\ud55c \uc18c\uaddc\ubaa8 \ud50c\ub7ab\ud3fc \uc81c\uacf5\uc5c5\uccb4\uc758 \uaddc\uc81c \uc900\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud558\uc5ec \uc81c\ud488 \ucd9c\uc2dc\uac00 \uc9c0\uc5f0\ub418\uace0 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \ub0b4 \uacf5\uae09\uc5c5\uccb4 \ub2e4\uc591\uc131\uc774 \ucd95\uc18c\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uad00\ud560\uad8c\ubcc4 \ud30c\ud3b8\ud654\ub41c \ub370\uc774\ud130 \ud45c\uc900 (CAGR \uc601\ud5a5 -1.7%): \uad6d\uacbd \uac04 \ub370\uc774\ud130 \uc804\uc1a1\uc740 \uc0c1\uc774\ud55c \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ucf54\ub4dc\ub85c \uc778\ud574 \uc5ec\uc804\ud788 \ubcf5\uc7a1\ud569\ub2c8\ub2e4. GDPR\uc758 \ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d\uc740 \uc2e4\uc2dc\uac04 AML \uc2a4\ud06c\ub9ac\ub2dd\uc758 \ubc00\ub9ac\ucd08 \uc9c0\uc5f0 \uc2dc\uac04 \ubaa9\ud45c\uc640 \ucda9\ub3cc\ud560 \uc218 \uc788\uc5b4, \uc740\ud589\uc774 \ucd94\uac00 \ube44\uc6a9\uc744 \ub4e4\uc5ec \ubcc4\ub3c4\uc758 EU \ub370\uc774\ud130 \uc800\uc7a5\uc18c\ub97c \uc720\uc9c0\ud558\ub3c4\ub85d \uc720\ub3c4\ud569\ub2c8\ub2e4. 2026\ub144 \ud638\uc8fc\uc758 AML\/CTF \uaddc\uce59\uc744 \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc778\uc5d0\uac8c \ud655\ub300\ud558\ub294 \uac83\uc740 \ubbf8\uad6d FinCEN \ud30c\uc77c \uad6c\uc870\uc640 \uc77c\uce58\ud558\uc9c0 \uc54a\uc744 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \ubcf4\uace0 \ud15c\ud50c\ub9bf\uc744 \ub3c4\uc785\ud558\uc5ec \ucd94\uac00 \ub9e4\ud551 \uacc4\uce35\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \ubcf4\ud3b8\uc801\uc778 \uc2e4\uc18c\uc720\uc790 \ub4f1\ub85d \uc2dc\uc2a4\ud15c\uc740 \uc5ec\uc804\ud788 \ubd80\uc7ac\ud558\uc5ec, \uc870\uc0ac \ud300\uc774 \uc720\ub839 \ubc95\uc778\uc744 \ud3c9\uac00\ud560 \ub54c \uc77c\uad00\uc131 \uc5c6\ub294 \uae30\ub85d\uc744 \uc870\uc0ac\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud30c\ud3b8\ud654\ub41c \ud45c\uc900\uc740 \uae00\ub85c\ubc8c \ud074\ub77c\uc6b0\ub4dc \ud50c\ub7ab\ud3fc\uc774 \uc57d\uc18d\ud558\ub294 \uaddc\ubaa8\uc758 \uacbd\uc81c\ub97c \uc57d\ud654\uc2dc\ud0a4\uace0 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc5d0 \uc608\uc0c1\ub418\ub294 CAGR \uc0c1\uc2b9\uc744 \uc5b5\uc81c\ud569\ub2c8\ub2e4.<\/p>\n<p>*   \uc678\ubd80 \ud53c\ub4dc \uc218\uc694\ub97c \uc904\uc774\ub294 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ud569\uc131 \ub370\uc774\ud130 (CAGR \uc601\ud5a5 -1.3%): \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uae30\uc220\uc758 \ubc1c\uc804\uc740 \uc2e4\uc81c \ub370\uc774\ud130\ub97c \ubaa8\ubc29\ud558\uc9c0\ub9cc \ubbfc\uac10\ud55c \uc815\ubcf4\ub97c \ud3ec\ud568\ud558\uc9c0 \uc54a\ub294 \ud569\uc131 \ub370\uc774\ud130 \uc0dd\uc131\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub294 \ubaa8\ub378 \ud6c8\ub828 \ubc0f \ud14c\uc2a4\ud2b8\ub97c \uc704\ud55c \uc678\ubd80 \ub370\uc774\ud130 \ud53c\ub4dc\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\ub97c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 EU, \ubd81\ubbf8 \ubc0f \uc77c\ubd80 APAC \uc2dc\uc7a5\uc5d0\uc11c \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uaddc\uc81c\uac00 \uac15\ud654\ub428\uc5d0 \ub530\ub77c, \uae30\uad00\ub4e4\uc740 \ubbfc\uac10\ud55c \uace0\uac1d \ub370\uc774\ud130\ub97c \uacf5\uc720\ud558\uac70\ub098 \uc804\uc1a1\ud560 \ud544\uc694 \uc5c6\uc774 \ub0b4\ubd80\uc801\uc73c\ub85c \ubaa8\ub378\uc744 \uac1c\ubc1c\ud558\uace0 \uac1c\uc120\ud558\uae30 \uc704\ud574 \ud569\uc131 \ub370\uc774\ud130\ub97c \uc810\uc810 \ub354 \ub9ce\uc774 \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc678\ubd80 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc194\ub8e8\uc158 \ubc0f \ub370\uc774\ud130 \uacf5\uae09\uc5c5\uccb4\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc7a0\uc7ac\uc801\uc73c\ub85c \uac10\uc18c\uc2dc\ucf1c \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc81c\ud55c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>5. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p>*   \uad6c\uc131 \uc694\uc18c\ubcc4: \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uc9c0\ubc30\ub825\uacfc \ud50c\ub7ab\ud3fc \ud1b5\ud569:<br \/>\n    \uc18c\ud504\ud2b8\uc6e8\uc5b4\ub294 2025\ub144 \ub9e4\ucd9c\uc758 69.35%\ub97c \ucc28\uc9c0\ud558\uba70, \uc720\uc5f0\ud558\uace0 \ucf54\ub4dc \uc911\uc2ec\uc801\uc778 \ubc94\uc8c4 \ubd84\uc11d \uc2a4\ud0dd\uc744 \uc694\uad6c\ud558\ub294 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc804\ub7b5\uc758 \ud575\uc2ec\uc784\uc744 \ud655\uc778\uc2dc\ucf1c \uc8fc\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc2a4\ud0dd\uc740 \ubb34\uac70\uc6b4 \ud558\ub4dc\uc6e8\uc5b4 \uad50\uccb4 \uc8fc\uae30 \uc5c6\uc774 \uc0c8\ub85c\uc6b4 \ud0d0\uc9c0 \uc54c\uace0\ub9ac\uc998\uc744 \ud1b5\ud569\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc11c\ube44\uc2a4\ub294 \ub9e4\ucd9c \ube44\uc911\uc774 \uc791\uc9c0\ub9cc, \uc740\ud589\uacfc \ubcf4\ud5d8\uc0ac\uac00 \ub370\uc774\ud130 \ud30c\uc774\ud504\ub77c\uc778 \uc7ac\uc124\uacc4, \ud6c8\ub828 \uc138\ud2b8 \ud050\ub808\uc774\uc158, \uaddc\uc81c \uac10\uc0ac \ubaa8\ub378 \uc778\uc99d\uc744 \uc704\ud574 \ub3c4\uba54\uc778 \uc804\ubb38\uac00\uc640 \uacc4\uc57d\ud558\uba74\uc11c \uc5f0\ud3c9\uade0 17.9% \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. FinCEN\uc758 \ubd80\ub3d9\uc0b0 \uc758\ubb34\uc640 \uac19\uc740 \uc0c8\ub85c\uc6b4 \ubcf4\uace0 \uaddc\uce59\uc774 \ubc1c\ud45c\ub420 \ub54c\ub9c8\ub2e4 \ucee8\uc124\ud305 \uc218\uc694\uac00 \uc99d\uac00\ud569\ub2c8\ub2e4. \uad6c\ud604 \ud30c\ud2b8\ub108\ub294 \ud575\uc2ec \uc740\ud589 \uc2dc\uc2a4\ud15c, \uc815\ubd80 \ub4f1\ub85d\ubd80 \ubc0f \ube44\uc815\ud615 \ud53c\ub4dc\uc5d0\uc11c \ub370\uc774\ud130\ub97c \uac00\uc838\uc624\ub294 \uc218\uc9d1 \uacc4\uce35\uc744 \uad6c\uc131\ud569\ub2c8\ub2e4. \uad00\ub9ac \uc11c\ube44\uc2a4\ub294 \uc0ac\ub0b4 \ub370\uc774\ud130 \uacfc\ud559 \ud300\uc774 \ubd80\uc871\ud558\uc9c0\ub9cc \uae00\ub85c\ubc8c \uae30\uc5c5\uacfc \ub3d9\uc77c\ud55c \uaddc\uc81c \uac10\ub3c5\uc5d0 \uc9c1\uba74\ud558\ub294 \uc9c0\uc5ed \uc740\ud589\uc5d0 \ub9e4\ub825\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc18c\ube44 \ubaa8\ub378\uc774 \ud655\uc0b0\ub428\uc5d0 \ub530\ub77c \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc740 \uc18c\ud504\ud2b8\uc6e8\uc5b4 \ud655\uc7a5\uc131\uacfc \uc774\ub97c \ucd5c\uc2e0 \uc0c1\ud0dc\ub85c \uc720\uc9c0\ud558\ub294 \uc544\uc6c3\uc18c\uc2f1 \uc778\ub825\uc744 \uc911\uc2ec\uc73c\ub85c \uc9c0\uc18d\uc801\uc73c\ub85c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ubc30\ud3ec \ubc29\uc2dd\ubcc4: \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc73c\ub85c \uc2e4\uc2dc\uac04 \uae30\ub2a5 \uac00\uc18d\ud654:<br \/>\n    \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\ub294 2025\ub144 \ub9e4\ucd9c\uc758 64.60%\ub97c \ucc28\uc9c0\ud558\uba70, \uc628\ud504\ub808\ubbf8\uc2a4 \uba54\uc778\ud504\ub808\uc784\uc5d0\uc11c \ubcd1\ub82c \ubaa8\ub378 \uc2a4\ucf54\uc5b4\ub9c1\uc5d0 \ucd5c\uc801\ud654\ub41c \ud0c4\ub825\uc801\uc778 \ucef4\ud4e8\ud305 \ud074\ub7ec\uc2a4\ud130\ub85c\uc758 \uad6c\uc870\uc801 \uc804\ud658\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \uc5ec\uae30\uc11c \uc5bb\ub294 \uaddc\ubaa8\ub294 \uc751\ub2f5 \uc18d\ub3c4\ub85c \uc9c1\uc811 \uc5f0\uacb0\ub429\ub2c8\ub2e4. SAS\uc758 \ud074\ub77c\uc6b0\ub4dc AML \uc2a4\uc704\ud2b8\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc624\ud0d0\uc744 3\ubd84\uc758 2\ub85c \uc904\uc774\uba74\uc11c \ub514\uc9c0\ud138 \uc9c0\uac11 \uc2b9\uc778\uc5d0 \ucda9\ubd84\ud788 \ube60\ub978 \uc758\uc0ac \uacb0\uc815\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uae30\uad00\uc774 \uace0\uac1d PII\ub97c \uc628\ud504\ub808\ubbf8\uc2a4\uc5d0 \uc720\uc9c0\ud558\uba74\uc11c \uc775\uba85\ud654\ub41c \ud2b9\uc9d5 \ubca1\ud130\ub97c \ud074\ub77c\uc6b0\ub4dc GPU\ub85c \uc2a4\ud2b8\ub9ac\ubc0d\ud558\uc5ec \uc2a4\ucf54\uc5b4\ub9c1\ud558\ub824\ub294 \uacbd\uc6b0 \ud558\uc774\ube0c\ub9ac\ub4dc \uc124\uacc4\uac00 \ub4f1\uc7a5\ud569\ub2c8\ub2e4. GAMA-1\uc758 NOAA \ubcf5\uc81c \uc0ac\ub840\uc640 \uac19\uc740 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \ucc44\ud0dd\uc740 \uacf5\uae09\uc5c5\uccb4 \uac04 \ud14c\ub77c\ubc14\uc774\ud2b8 \uaddc\ubaa8\uc758 \uc774\ub3d9\uc131\uc744 \uc785\uc99d\ud558\uba74\uc11c \uae09\uc99d\ud588\uc2b5\ub2c8\ub2e4. \uc11c\ube44\uc2a4\ud615 \uc778\ud504\ub77c(IaaS) \uc9c0\ucd9c\uc740 2025\ub144 1\ubd84\uae30\uc5d0 940\uc5b5 \ub2ec\ub7ec\ub97c \uae30\ub85d\ud558\uba70 \uc804\ub144 \ub300\ube44 23% \uc99d\uac00\ud588\uc73c\uba70, \uc774 \uc608\uc0b0\uc758 \uc0c1\ub2f9 \ubd80\ubd84\uc774 \ubc94\uc8c4 \ubd84\uc11d \ucee8\ud14c\uc774\ub108 \ud074\ub7ec\uc2a4\ud130\uc5d0 \ud22c\uc785\ub429\ub2c8\ub2e4. \ubc18\ub300\ub85c, \ub370\uc774\ud130 \uc8fc\uad8c \ubc95\uaddc\uc5d0 \ubb36\uc778 \uae30\uad00\ub4e4\uc740 \uc5ec\uc804\ud788 \uac15\ud654\ub41c \ub85c\uceec \uc5b4\ud50c\ub77c\uc774\uc5b8\uc2a4\ub97c \uc870\ub2ec\ud558\uc9c0\ub9cc, \uc11c\ube44\uc2a4 \uc218\uc900 \uacc4\uc57d \ubc0f \uc554\ud638\ud654 \ud504\ub808\uc784\uc6cc\ud06c\uac00 \uc131\uc219\ud568\uc5d0 \ub530\ub77c \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \ub0b4\uc5d0\uc11c \uadf8\ub4e4\uc758 \uc810\uc720\uc728\uc740 \uac10\uc18c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4: \ubcf4\ud5d8 \uac00\uc18d\ud654 \uc18d \uc740\ud589 \uc8fc\ub3c4:<br \/>\n    \uc740\ud589\uc740 2025\ub144 \ubd80\ubb38\ubcc4 \ub9e4\ucd9c\uc758 46.85%\ub97c \ucc3d\ucd9c\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud2b9\uc815 \uae30\ud55c \ub0b4\uc5d0 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9 \ubcf4\uace0\uc11c(SAR)\ub97c \uc81c\ucd9c\ud574\uc57c \ud558\ub294 \ubc95\uc801 \uc758\ubb34\uc640 2025\ub144 \ucd08 CashApp\uc5d0 \ub300\ud55c 2\uc5b5 5,500\ub9cc \ub2ec\ub7ec\uc758 \uc9d1\ud589 \uc870\uce58\uc5d0 \ub300\ud55c \ub178\ucd9c\uc744 \uace0\ub824\ud560 \ub54c \ub2f9\uc5f0\ud55c \uacb0\uacfc\uc785\ub2c8\ub2e4. \uba38\uc2e0\ub7ec\ub2dd \uc5d4\uc9c4\uc740 \uc774\uc81c \ub514\uc9c0\ud138, \uc9c0\uc810 \ubc0f ATM \ucc44\ub110 \uc804\ubc18\uc758 \ubbf8\uc138 \uc774\uc0c1\uc744 \uac10\uc9c0\ud558\uc5ec \uc218\ub3d9 \uac80\ud1a0 \ub300\uae30\uc5f4\uc744 \uc555\ucd95\ud558\uace0 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc808\uac10\ud569\ub2c8\ub2e4. \ubcf4\ud5d8\uc0ac\ub294 \ud604\uc7ac \uaddc\ubaa8\ub294 \uc791\uc9c0\ub9cc, \uc0ac\uc6a9\ub7c9 \uae30\ubc18 \uc815\ucc45\uacfc \uc13c\uc11c\uac00 \ud48d\ubd80\ud55c \ucc28\ub7c9\uc774 AI \uc9c0\uc6d0 \uc0ac\uae30 \uc2a4\ucf54\uc5b4\ub9c1\uc744 \uc694\uad6c\ud558\ub294 \uace0\uc8fc\ud30c \ub370\uc774\ud130\ub97c \ubcf4\ud5d8 \uc778\uc218 \ubd80\uc11c\uc5d0 \uc3df\uc544\ub0b4\uba74\uc11c \uc5f0\ud3c9\uade0 17.25% \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0 \uc911\uac1c\uc5c5\uccb4\ub294 FinCEN\uc758 \uacf5\uac1c \uaddc\uce59\uc5d0 \ub300\ube44\ud558\uc5ec \ucc44\ud0dd\uc744 \ub298\ub9ac\uace0 \uc788\uc73c\uba70, \uc720\ub839 \ud68c\uc0ac \ub4a4\uc5d0 \uc228\uaca8\uc9c4 \uba85\uc758 \uad6c\ub9e4\uc790\ub97c \ucc3e\uc544\ub0b4\ub294 \uc2e4\uc18c\uc720\uc790 \uadf8\ub798\ud504 \ub370\uc774\ud130\ubca0\uc774\uc2a4\ub97c \ubc30\ud3ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc95 \uc9d1\ud589 \uae30\uad00\uc740 \uc608\uce21 \uce58\uc548 \ud30c\uc77c\ub7ff\uc5d0 \uc790\uae08\uc744 \uc9c0\uc6d0\ud558\ub294 \ubcf4\uc870\uae08\uc744 \ud1b5\ud574 \ubc94\uc8c4 \ud56b\uc2a4\ud31f \uc608\uce21\uc744 \uc21c\ucc30 \uc77c\uc815\uc73c\ub85c \uc804\ud658\ud558\uba74\uc11c \uacac\uc778\ub825\uc744 \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc218\uc9c1 \uc2dc\uc7a5\ub4e4\uc740 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc744 \ub2e4\uac01\ud654\ud558\uc5ec \ub2e8\uc77c \ubd80\ubb38\uc758 \uacbd\uae30 \uce68\uccb4\uc5d0 \ub300\ud55c \uc644\ucda9 \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4.<\/p>\n<p>*   \uc194\ub8e8\uc158 \uc720\ud615\ubcc4: \uc0ac\uae30 \ud0d0\uc9c0 \uc8fc\ub3c4 \ubc0f \uc870\uc0ac \ud50c\ub7ab\ud3fc \uae09\uc99d:<br \/>\n    \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f AML \ubaa8\ub4c8\uc740 2025\ub144 \ub9e4\ucd9c\uc758 34.25%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, \uc81c\uc7ac \ud544\ud130 \ubc0f \uac70\ub798 \ubaa8\ub2c8\ud130\ub9c1 \uaddc\uce59 \uc138\ud2b8\ub97c \uc790\ub3d9\ud654\ud558\uae30 \ub54c\ubb38\uc5d0 \ud544\uc218\uc801\uc778 \uad6c\ub9e4 \ud488\ubaa9\uc73c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub4e4\uc758 \uae30\uc220\uc801 \ud575\uc2ec\uc740 \ud734\ub9ac\uc2a4\ud2f1\uc5d0\uc11c \uad6d\uacbd \uac04 \uacb0\uc81c, \uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c(BNPL) \ub808\uc77c \ubc0f \uc2e0\ud765 CBDC(\uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud1b5\ud654) \ud30c\uc77c\ub7ff\uc5d0 \ud2b9\ud654\ub41c \ub525\ub7ec\ub2dd \uc559\uc0c1\ube14\ub85c \uc804\ud658\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc815\ubcf4 \ubc0f \uc870\uc0ac \ud50c\ub7ab\ud3fc\uc740 \uae30\uad00\ub4e4\uc774 \uacbd\uace0, \uc0ac\ub840 \ud30c\uc77c, \uc18c\uc15c \ubbf8\ub514\uc5b4 \ubc1c\uc790\uad6d \ubc0f \ubc95\uc6d0 \uae30\ub85d \uba54\ud0c0\ub370\uc774\ud130\ub97c \ud1b5\ud569\ud558\ub294 \ud1b5\ud569 \uc791\uc5c5 \uacf5\uac04\uc744 \uc6d0\ud558\uae30 \ub54c\ubb38\uc5d0 \uc5f0\ud3c9\uade0 19.4%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ubc94\uc8c4 \ub9e4\ud551 \uc2a4\uc704\ud2b8\ub294 \uc9c0\ub9ac \uacf5\uac04 \ud788\ud2b8\ub9f5\uacfc \uc778\uad6c \ud1b5\uacc4\ud559\uc801 \uc624\ubc84\ub808\uc774\ub97c \uc735\ud569\ud558\uc5ec \ub3c4\uc2dc \uacbd\ucc30\uc11c\uc7a5\uc758 \uc790\uc6d0 \ud560\ub2f9\uc744 \uac04\uc18c\ud654\ud569\ub2c8\ub2e4. KYC(\uace0\uac1d \uc54c\uae30) \uc900\uc218 \uc5d4\uc9c4\uc740 \uad8c\uc704 \uc788\ub294 \ub4f1\ub85d \uae30\uad00\uc5d0 \ub300\ud574 \uc2e0\uc6d0\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \ud655\uc778\ud558\uc5ec \uc628\ubcf4\ub529\uc744 \uac15\ud654\ud558\uba70, \uc810\uc810 \ub354 \uc554\ud638\ud654\ub41c \uac80\uc99d \uac00\ub2a5\ud55c \uc790\uaca9 \uc99d\uba85\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4. \ubd80\ub3d9\uc0b0 \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ud654 \uc194\ub8e8\uc158\uc740 \ucd08\uae30 \ub2e8\uacc4\uc774\uc9c0\ub9cc, \uc778\uadfc \ubc94\uc8c4\uc640 \uc790\uc0b0 \uac00\uce58 \ud3c9\uac00 \uac04\uc758 \uc815\ub7c9\ud654 \uac00\ub2a5\ud55c \uc5f0\uacb0\uc774 \ud544\uc694\ud55c \ubaa8\uae30\uc9c0 \ub300\ucd9c \uae30\uad00 \ubc0f \ubcf4\ud5d8\uc0ac\uc5d0 \ub9e4\ub825\uc801\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubaa8\ub4c8\uc744 \uc77c\uad00\ub41c \ub85c\uc6b0 \ucf54\ub4dc \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud1b5\ud569\ud558\ub294 \uacf5\uae09\uc5c5\uccb4\uac00 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc5d0\uc11c \ub354 \ud070 \uc810\uc720\uc728\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub294 \uc720\ub9ac\ud55c \uc704\uce58\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>6. \uc9c0\uc5ed \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 \ub9e4\ucd9c\uc758 38.60%\ub97c \ucc28\uc9c0\ud558\uba70 \uac15\ub825\ud55c \uaddc\uc81c \uc9d1\ud589, \ub808\uadf8\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc5d0 \ub300\ud55c \ud48d\ubd80\ud55c \ubca4\ucc98 \uce90\ud53c\ud0c8, \uadf8\ub9ac\uace0 \uace0\uae09 \ubd84\uc11d\uc744 \uc9c0\uc6d0\ud558\ub294 \uad6d\ub0b4 \ucef4\ud4e8\ud305 \uc5ed\ub7c9\uc744 \ud604\ub300\ud654\ud558\ub294 CHIPS Act\uc640 \uac19\uc740 \uacf5\uacf5 \ud22c\uc790\uc5d0 \ud798\uc785\uc5b4 \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud588\uc2b5\ub2c8\ub2e4. FinCEN\uc758 \ubd80\ub3d9\uc0b0 \ud22c\uba85\uc131\uc5d0 \ub300\ud55c \ucd08\uc810\uc740 \uc720\ub839 \ud68c\uc0ac \uc790\uae08 \uc870\ub2ec \uad6c\ub9e4\uc5d0 \ub300\ud55c \ubcf4\uace0 \ub8e8\ud504\ub97c \uac15\ud654\ud558\uc5ec AI \uadf8\ub798\ud504 \ubd84\uc11d \uc5d4\uc9c4\uc5d0 \ub300\ud55c \uc0c8\ub85c\uc6b4 \uc6cc\ud06c\ub85c\ub4dc\ub97c \ucc3d\ucd9c\ud569\ub2c8\ub2e4. \uce90\ub098\ub2e4\uc758 \uc790\uae08\uc138\ud0c1 \uc704\ud5d8 \ud3c9\uac00\ub294 \ubd80\ub3d9\uc0b0\uc744 \uace0\uc704\ud5d8 \ubd80\ubb38\uc73c\ub85c \uc9c0\ubaa9\ud558\uc5ec \ub300\ucd9c \uae30\uad00 \ubc0f \uc911\uac1c\uc778\uc774 \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ub97c \uc2e4\uc0ac \uccb4\ud06c\ub9ac\uc2a4\ud2b8\uc5d0 \ud1b5\ud569\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uc720\ub7fd: GDPR \uc900\uc218 \ubc0f \uc124\uba85 \uac00\ub2a5\uc131\uc744 \uc6b0\uc120\uc2dc\ud558\ub294 \ud5a5\ud6c4 AI \uac70\ubc84\ub10c\uc2a4 \uaddc\uce59\uc5d0 \uae30\ubc18\uc744 \ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub3c5\uc77c\uc758 AI \uc804\ub7b5\uc740 \uc778\uac04 \uc911\uc2ec\uc758 \uc704\ud5d8 \ubaa8\ub378\uc744 \uac15\uc870\ud558\uc5ec \uaddc\uc81c \uac10\uc0ac\ub97c \uacac\ub51c \uc218 \uc788\ub294 \ud22c\uba85\ud55c \uc54c\uace0\ub9ac\uc998\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc790\uadf9\ud569\ub2c8\ub2e4. \uc720\ub85c\ud3f4\uc758 2024-2026\ub144 \ud504\ub85c\uadf8\ub7a8 \ubb38\uc11c\ub294 \uad6d\uacbd \uac04 \uc815\ubcf4 \uac15\ud654\ub97c \uc704\ud55c \ub370\uc774\ud130 \uc735\ud569 \ud50c\ub7ab\ud3fc \ud22c\uc790\ub97c \uba85\uc2dc\ud558\uc5ec \uc815\ubd80 \uacc4\uc57d \ub0b4\uc5d0\uc11c \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc744 \uac04\uc811\uc801\uc73c\ub85c \ud655\ub300\ud569\ub2c8\ub2e4. \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ubcf4\ud638 \uccb4\uc81c\ub85c \uc778\ud574 \uc720\ub7fd \uae30\uad00\ub4e4\uc740 \uc885\uc885 \uc5e3\uc9c0 \ucef4\ud4e8\ud305 \ub610\ub294 \uc8fc\uad8c \ud074\ub77c\uc6b0\ub4dc \ud328\ud134\uc744 \ucc44\ud0dd\ud558\uba70, \uc774\ub294 \uacf5\uae09\uc5c5\uccb4\uac00 \ud604\uc9c0 \uc778\uc99d\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \ud574\uacb0\ud574\uc57c \ud560 \ubbf8\ubb18\ud55c \ucc28\uc774\uc785\ub2c8\ub2e4.<\/p>\n<p>*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: \uc5f0\ud3c9\uade0 17.55%\ub85c \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud588\uc73c\uba70, \uc774\ub294 \uad11\ubc94\uc704\ud55c \ub514\uc9c0\ud138 \uacb0\uc81c \ucc44\ud0dd\uacfc 2023\ub144\uc5d0\ub9cc \ub3d9\ub0a8\uc544\uc2dc\uc544 \uacbd\uc81c\uc5d0 180\uc5b5~370\uc5b5 \ub2ec\ub7ec\uc758 \uc190\uc2e4\uc744 \uc785\ud78c \uacf5\uaca9\uc801\uc778 \uc0ac\uae30 \ud65c\ub3d9\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4. \ud638\uc8fc\ub294 2026\ub144 7\uc6d4\ubd80\ud130 \uc57d 8\ub9cc \uac1c\uc758 \ucd94\uac00 \uae30\uc5c5\uc744 AML \uac10\ub3c5\uc5d0 \ud3ec\ud568\uc2dc\ud0ac \uc608\uc815\uc774\uba70, \uc774\ub294 \uaddc\uc81c \uc900\uc218 \uc18c\ud504\ud2b8\uc6e8\uc5b4\uc758 \uc5c5\uadf8\ub808\uc774\ub4dc \uc8fc\uae30\ub97c \uac15\uc81c\ud569\ub2c8\ub2e4. \uc77c\ubcf8\uc758 \ucc45\uc784 \uc788\ub294 AI \uae30\ubcf8\ubc95 \ucd08\uc548\uc740 \ud3b8\ud5a5 \uac10\uc0ac \ubaa8\ub378\uc5d0 \uc720\ub9ac\ud55c \uc870\ub2ec \uae30\uc900\uc744 \ud615\uc131\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2f1\uac00\ud3ec\ub974\uc640 \uac19\uc740 \uc2e0\ud765 \uae08\uc735 \ud5c8\ube0c\ub3c4 \uc554\ud638\ud654\ud3d0 \uc790\uc0b0 \ucd94\uc801\uc5d0 \ub300\ud55c \uc138\ubd80\uc801\uc778 \uad8c\uace0\ub97c \ubc1c\ud45c\ud558\uc5ec \uc9c0\uc5ed \uc218\uc694\ub97c \ub354\uc6b1 \uc99d\ub300\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \ubc0f \uc911\ub3d9 \uc544\ud504\ub9ac\uce74: \uc5ec\uc804\ud788 \uaddc\ubaa8\ub294 \uc791\uc9c0\ub9cc \uc804\ub7b5\uc801\uc73c\ub85c \uc911\uc694\ud569\ub2c8\ub2e4. \ube0c\ub77c\uc9c8\uacfc \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544\uc5d0\uc11c \uc2e4\uc2dc\uac04 \uacb0\uc81c \ucc44\ud0dd\uc774 \uc99d\uac00\ud558\uba74\uc11c \uc2b9\uc778\ub41c \ud478\uc2dc \uacb0\uc81c \uc0ac\uae30\uc5d0 \ub300\ud55c \ub178\ucd9c\uc774 \uc99d\uac00\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uad6d\ub0b4 \uc740\ud589\uc774 AI \uae30\ubc18 \ud589\ub3d9 \ubd84\uc11d\uc744 \uc2dc\ubc94 \uc6b4\uc601\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc790\uac04 \uae30\uad00\uc758 \uc5ed\ub7c9 \uac15\ud654 \ubcf4\uc870\uae08\uc740 \ud604\uc9c0 \uaddc\uc81c \uae30\uad00\uc774 \uc2e4\uc18c\uc720\uc790 \ub4f1\ub85d \uc2dc\uc2a4\ud15c \ubc0f \uc804\uc790 \uc2e0\uace0 \ud3ec\ud138\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \uc8fc\uc5b4 \uc810\uc9c4\uc801\uc778 \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \uce68\ud22c\ub97c \uc704\ud55c \uae30\ubc18\uc744 \ub9c8\ub828\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>7. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc740 \uc801\ub2f9\ud788 \ud30c\ud3b8\ud654\ub418\uc5b4 \uc788\uc9c0\ub9cc \uc9c0\uc801 \uc7ac\uc0b0\uad8c \uae4a\uc774\uc5d0 \ub530\ub77c \ud06c\uac8c \uacc4\uce35\ud654\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4. IBM\uc740 \uc801\ub300\uc801 \ubcf5\uc6d0\ub825\uc774 \uc788\ub294 \uba38\uc2e0\ub7ec\ub2dd\uc5d0 \uc911\uc810\uc744 \ub454 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ud3ec\ud568\ud558\uc5ec 63,000\uac1c \uc774\uc0c1\uc758 \ud65c\uc131 \ud2b9\ud5c8\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70, FICO\ub294 101\uac1c\uc758 \uc0ac\uae30 \uad00\ub828 AI \ud2b9\ud5c8\ub97c \uc18c\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8\ub294 Azure \ub370\uc774\ud130 \uc11c\ube44\uc2a4 \ub0b4\uc5d0 \uc2e4\uc2dc\uac04 \uadf8\ub798\ud504 \ubd84\uc11d\uc744 \uacc4\uc18d \ub0b4\uc7a5\ud558\uc5ec \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \uc740\ud589\ub4e4 \uc0ac\uc774\uc5d0\uc11c \uc810\uc720\uc728\uc744 \ud655\ubcf4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc874 \uae30\uc5c5\ub4e4\uc740 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubaa8\ub4c8\uc758 \ucd9c\uc2dc \uae30\uac04\uc744 \ub2e8\ucd95\ud558\uae30 \uc704\ud574 \uae30\uc220\uc744 \uad50\ucc28 \ub77c\uc774\uc120\uc2a4\ud558\uac70\ub098 \uacf5\ub3d9 \uac1c\ubc1c \ud611\uc57d\uc744 \uccb4\uacb0\ud569\ub2c8\ub2e4(SAS\uc640 Neterium\uc758 \uc81c\ud734\uac00 \ucd5c\uadfc \uc0ac\ub840).<\/p>\n<p>Flagright\uc640 \uac19\uc740 \uc804\ubb38 \ud30c\uad34\uc801 \ud601\uc2e0 \uae30\uc5c5\uc740 \ub85c\uc6b0 \ucf54\ub4dc AML \uc624\ucf00\uc2a4\ud2b8\ub808\uc774\uc158\uc5d0 \uc9d1\uc911\ud558\uc5ec \uc815\ucc45 \ub9e4\ud551 \ubc0f \uc704\ud5d8 \uc810\uc218\ud654\ub97c \uc790\ub3d9\ud654\ud568\uc73c\ub85c\uc368 \uc870\uc0ac \uc8fc\uae30\ub97c \ub2e8\ucd95\ud55c\ub2e4\uace0 \uc8fc\uc7a5\ud569\ub2c8\ub2e4. \uc774\ub4e4\uc758 \uacac\uc778\ub825\uc740 \uc801\ub2f9\ud55c \uc608\uc0b0\uc73c\ub85c \uc2e0\uc18d\ud55c \ubc30\ud3ec\uac00 \ud544\uc694\ud55c \uc911\uacac \uc740\ud589\uc5d0\uc11c \uac00\uc7a5 \uac15\ud569\ub2c8\ub2e4. Kyndryl\uacfc \uac19\uc740 \uc778\ud504\ub77c \ud1b5\ud569\uc5c5\uccb4\ub294 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \uad00\ub9ac \ubd84\uc57c\uc5d0\uc11c \ud2b9\ud5c8 \uc790\uc0b0\uc744 \ubcf4\uc720\ud558\uace0 \uc788\uc73c\uba70, \uc774\ub294 \uc8fc\uad8c \ud074\ub77c\uc6b0\ub4dc \uc804\ubc18\uc5d0\uc11c \uc6b4\uc601\ud574\uc57c \ud558\ub294 \uaddc\uc81c \ub300\uc0c1 \uae30\uc5c5\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uae30\ub2a5\uc785\ub2c8\ub2e4.<\/p>\n<p>2024-2025\ub144\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784\uc740 \uac1c\ubc29\ud615 API \uc0dd\ud0dc\uacc4\ub85c\uc758 \uc804\ud658\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. Palantir\ub294 \uc774\uc804\uc5d0 \uc815\ubd80 \uad6c\ub9e4\uc790\uc5d0\uac8c\ub9cc \uc81c\uacf5\ub418\uc5c8\ub358 \ud234\ud0b7\uc744 \uc0c1\uc5c5 \uace0\uac1d\uc744 \ub300\uc0c1\uc73c\ub85c AML \uaddc\uc81c \uc900\uc218 \ud655\uc7a5 \uae30\ub2a5\uc73c\ub85c Foundry \ud50c\ub7ab\ud3fc\uc744 \ud655\uc7a5\ud588\uc2b5\ub2c8\ub2e4. Oracle\uc740 \uba38\uc2e0 \uc0dd\uc131 \ud2b9\uc9d5 \uc5d4\uc9c0\ub2c8\uc5b4\ub9c1\uc744 \uc0ac\uc6a9\ud558\uc5ec \ubaa8\ub378 \uc5c5\ub370\uc774\ud2b8\ub97c \uac00\uc18d\ud654\ud558\ub294 \uae08\uc735 \ubc94\uc8c4 \uc11c\ube44\uc2a4\ub97c Autonomous Database\uc5d0 \ud1b5\ud569\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc81c \uacbd\uc7c1\uc740 \ud574\uc11d \uac00\ub2a5\uc131 \ub300\uc2dc\ubcf4\ub4dc, \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \ubaa8\ub378 \ud6c8\ub828\uc744 \uc704\ud55c \ud569\uc131 \ub370\uc774\ud130 \uc0dd\uc131\uae30, \uadf8\ub9ac\uace0 \uc790\ub3d9\ud654\ub41c \ud3b8\ud5a5 \uc810\uc218\ud654\ub97c \ud560 \uc218 \uc788\ub294 \ubaa8\ub378 \uac70\ubc84\ub10c\uc2a4 \ud234\ud0b7\uc744 \uc911\uc2ec\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>8. \uc8fc\uc694 \uc2dc\uc7a5 \ucc38\uc5ec\uc790<\/p>\n<p>*   ACI Worldwide, Inc.<br \/>\n*   Fenergo Ltd<br \/>\n*   Fiserv, Inc.<br \/>\n*   IBM Corp.<br \/>\n*   Oracle Corporation<\/p>\n<p>9. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 6\uc6d4: GAMA-1 Technologies\ub294 97TB\uc758 NOAA \ub370\uc774\ud130\ub97c 3\uac1c\uc758 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c \ud074\ub77c\uc6b0\ub4dc\uc5d0 \ubcf5\uc81c\ud558\uc5ec \ubc94\uc8c4 \ubd84\uc11d \ub370\uc774\ud130 \uc138\ud2b8\uc5d0 \uad00\ub828\ub41c \ud655\uc7a5 \uac00\ub2a5\ud55c \uc804\uc1a1 \ubc29\ubc95\uc744 \uc2dc\uc5f0\ud588\uc2b5\ub2c8\ub2e4 (cbs42).<br \/>\n*   2025\ub144 1\uc6d4: Flagright\ub294 \uac00\uc0c1 \uc790\uc0b0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc5d0 \ub300\ud55c FATF\uc758 \uac15\ud654\ub41c \uc870\uc0ac\ub97c \uc0c1\uc138\ud788 \uc124\uba85\ud558\ub294 \uaddc\uc81c \uc804\ub9dd\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4 (flagright).<br \/>\n*   2024\ub144 12\uc6d4: SAS\ub294 Neterium\uacfc \ud568\uaed8 \uc2e4\uc2dc\uac04 \uac10\uc2dc \ubaa9\ub85d \uc2a4\ud06c\ub9ac\ub2dd \uc5d4\uc9c4\uc744 \uacf5\uac1c\ud558\uc5ec \uc624\ud0d0\uc744 65% \uc904\uc774\uace0 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ucf58\uc194\uc744 \ud1b5\ud574 \uc989\uac01\uc801\uc778 \ubaa8\ub378 \ud29c\ub2dd\uc744 \uc81c\uacf5\ud588\uc2b5\ub2c8\ub2e4 (sas).<br \/>\n*   2024\ub144 11\uc6d4: \uc720\ub85c\ud3f4\uc758 2024-2026\ub144 \ubb38\uc11c\ub294 \ud68c\uc6d0\uad6d \uc870\uc0ac\ub97c \uc9c0\uc6d0\ud558\uae30 \uc704\ud55c \ub370\uc774\ud130 \uc735\ud569 \ud50c\ub7ab\ud3fc \uc9c0\ucd9c\uc744 \ucd94\uac00\ub85c \ucc45\uc815\ud588\uc2b5\ub2c8\ub2e4 (europol).<\/p>\n<p>\ubcf4\uace0\uc11c \uc694\uc57d: \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5 \ubd84\uc11d<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uae30\uc5c5, \ubcf4\ud5d8\uc0ac, \ub300\ucd9c \uae30\uad00, \uacf5\uacf5 \uae30\uad00 \ubc0f \ubd80\ub3d9\uc0b0 \uc774\ud574\uad00\uacc4\uc790\ub97c \uc704\ud55c \ubc94\uc8c4 \uc704\ud5d8 \ubcf4\uace0\uc11c \uc2dc\uc7a5\uc744 \uc2ec\uce35 \ubd84\uc11d\ud569\ub2c8\ub2e4. \uc774 \uc2dc\uc7a5\uc740 \ub2e4\uc911 \uc18c\uc2a4 \ubc94\uc8c4, \uc778\uad6c \ud1b5\uacc4 \ubc0f \uaddc\uc81c \uc900\uc218 \ub370\uc774\ud130\ub97c \uc2e4\ud589 \uac00\ub2a5\ud55c \uc704\ud5d8 \uc810\uc218\ub85c \ubcc0\ud658\ud558\ub294 \uad6c\ub3c5 \uae30\ubc18 \ubd84\uc11d \ud50c\ub7ab\ud3fc\uacfc \uc628\ub514\ub9e8\ub4dc \uc704\uce58 \ubcf4\uace0\uc11c\ub97c \ud3ec\uad04\ud569\ub2c8\ub2e4. Mordor Intelligence\uc5d0 \ub530\ub974\uba74, \uc774 \uae00\ub85c\ubc8c \uc2dc\uc7a5\uc740 2025\ub144\uc5d0 115\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \ud3c9\uac00\ub418\uba70, 2026\ub144 132.5\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144\uc5d0\ub294 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 15.18%\ub85c 268.4\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ubb3c\ub9ac\uc801 \uacbd\ube44, CCTV \ud558\ub4dc\uc6e8\uc5b4, \uc77c\ud68c\uc131 \uc870\uc0ac \ud504\ub85c\uc81d\ud2b8\ub294 \ubcf8 \uc5f0\uad6c \ubc94\uc704\uc5d0\uc11c \uc81c\uc678\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \ub3d9\uc778 \ubc0f \uc81c\uc57d:<br \/>\n\uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c\ub294 BFSI(\uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8) \ubc0f \ubd80\ub3d9\uc0b0 \ubd80\ubb38\uc758 \ub514\uc9c0\ud138\ud654 \uac00\uc18d\ud654, \uaddc\uc81c \uc900\uc218 \ube44\uc6a9 \uc99d\uac00 \ubc0f \uaddc\uc81c \uac10\uc2dc \uac15\ud654, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ubc94\uc8c4 \uc704\ud5d8 \ubd84\uc11d\uc73c\ub85c\uc758 \uc804\ud658, \ubd80\ub3d9\uc0b0 \uac00\uce58 \ud3c9\uac00\ub97c \uc704\ud55c AI \uc9c0\ub9ac \uacf5\uac04 \ubbf8\uc138 \uc608\uce21, \ub3d9\uc801 IoT \uc790\uc0b0 \ubcf4\ud5d8\uc744 \uc704\ud55c \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ud654 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\ubc18\uba74, \uc54c\uace0\ub9ac\uc998 \ud3b8\ud5a5\uc5d0 \ub300\ud55c \uc6b0\ub824\uc640 \uc2e0\ud765 \uaddc\uc81c, \uad00\ud560\uad8c\ubcc4\ub85c \ud30c\ud3b8\ud654\ub41c \ub370\uc774\ud130 \ud45c\uc900, \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\ub97c \uc704\ud55c \ud569\uc131 \ub370\uc774\ud130 \uc0ac\uc6a9 \uc99d\uac00\ub85c \uc778\ud55c \uc678\ubd80 \ub370\uc774\ud130 \ud53c\ub4dc \uc218\uc694 \uac10\uc18c \ub4f1\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uc8fc\uc694 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc138\ubd84\ud654 \ubc0f \uc8fc\uc694 \ud2b8\ub80c\ub4dc:<br \/>\n\uc2dc\uc7a5\uc740 \uad6c\uc131 \uc694\uc18c(\uc18c\ud504\ud2b8\uc6e8\uc5b4, \uc11c\ube44\uc2a4), \ubc30\ud3ec \ubc29\uc2dd(\uc628\ud504\ub808\ubbf8\uc2a4, \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18), \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5(\uc740\ud589, \ubcf4\ud5d8, \ubd80\ub3d9\uc0b0, \ubc95 \uc9d1\ud589 \ubc0f \uacf5\uacf5 \uc548\uc804 \uae30\uad00, \uae30\ud0c0 \uc0b0\uc5c5), \uc194\ub8e8\uc158 \uc720\ud615(\uc0ac\uae30 \ud0d0\uc9c0 \ubc0f AML, \ubc94\uc8c4 \ub9e4\ud551 \ubc0f \uc608\uce21 \ubd84\uc11d, \uaddc\uc81c \uc900\uc218 \ubc0f KYC \ubcf4\uace0, \ubd80\ub3d9\uc0b0 \ubc94\uc8c4 \uc704\ud5d8 \uc810\uc218\ud654, \uc815\ubcf4 \ubc0f \uc870\uc0ac \ud50c\ub7ab\ud3fc), \uadf8\ub9ac\uace0 \uc9c0\uc5ed(\ubd81\ubbf8, \ub0a8\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \uc911\ub3d9, \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4.<br \/>\n\ud2b9\ud788 \ud074\ub77c\uc6b0\ub4dc \uae30\ubc18 \ubc30\ud3ec \ubaa8\ub378\uc740 \uc2e4\uc2dc\uac04 \uac10\uc2dc \ubaa9\ub85d \uc2a4\ud06c\ub9ac\ub2dd\uc744 \uc9c0\uc6d0\ud558\uace0 \uc624\ud0d0\uc744 \ucd5c\ub300 65%\uae4c\uc9c0 \uc904\uc5ec 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 64.60%\ub97c \ucc28\uc9c0\ud558\uba70 \uc9c0\ubc30\uc801\uc778 \uc704\uce58\ub97c \ud655\ubcf4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc911\uc5d0\uc11c\ub294 \uc740\ud589 \ubd80\ubb38\uc774 \uc5c4\uaca9\ud55c \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uc758\ubb34\uc640 \ub192\uc740 \uc0ac\uae30 \uc704\ud611\uc73c\ub85c \uc778\ud574 2025\ub144 \ub9e4\ucd9c\uc758 46.85%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ubcf4\uc785\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \ud638\uc8fc\uc640 \uac19\uc740 \uad6d\uac00\uc758 \uaddc\uc81c \ud655\ub300\uc640 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0ac\uae30 \uc99d\uac00\uc5d0 \ud798\uc785\uc5b4 2031\ub144\uae4c\uc9c0 17.55%\uc758 \uac00\uc7a5 \ube60\ub978 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uaddc\uc81c \ud658\uacbd \ubc0f \uae30\uc220 \uc804\ub9dd:<br \/>\nFinCEN\uc758 \ubd80\ub3d9\uc0b0 \ubcf4\uace0 \uc758\ubb34 \ubc0f FATF\uc758 \uac00\uc0c1 \uc790\uc0b0 \uc9c0\uce68\uacfc \uac19\uc740 \uc0c8\ub85c\uc6b4 \uaddc\uc81c\ub294 \uc989\uac01\uc801\uc778 AI \uae30\ubc18 \uac10\uc2dc\ub97c \uc694\uad6c\ud558\uba70, \uc774\ub294 \ubc00\ub9ac\ucd08 \ub2e8\uc704\uc758 \uc774\uc0c1 \ud0d0\uc9c0 \uae30\ub2a5\uc744 \uac16\ucd98 \ud50c\ub7ab\ud3fc \ucc44\ud0dd\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc220\uc801\uc73c\ub85c\ub294 \ud2b9\ud5c8 \uae4a\uc774, \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc544\ud0a4\ud14d\ucc98, \uc124\uba85 \uac00\ub2a5\ud55c AI \ud234\ud0b7\uc774 \uc120\ub3c4\uc801\uc778 \uacf5\uae09\uc5c5\uccb4\ub97c \ucc28\ubcc4\ud654\ud558\ub294 \uc694\uc18c\uc774\uba70, SAS-Neterium\uacfc \uac19\uc740 \ud30c\ud2b8\ub108\uc2ed\uc740 \uaddc\uc81c \uc900\uc218 \uc5ed\ub7c9 \uac15\ud654\ub97c \uc704\ud55c \uacf5\ub3d9 \ud601\uc2e0 \ucd94\uc138\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<br \/>\n\ubcf4\uace0\uc11c\ub294 \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\ub8e8\uba70, ACI Worldwide, IBM, Oracle, SAS Institute, Palantir Technologies, LexisNexis Risk Solutions \ub4f1 20\uac1c \uc774\uc0c1\uc758 \uc8fc\uc694 \uae30\uc5c5 \ud504\ub85c\ud544\uc744 \ud3ec\ud568\ud558\uc5ec \uacbd\uc7c1 \uad6c\ub3c4\ub97c \uc0c1\uc138\ud788 \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc5f0\uad6c \ubc29\ubc95\ub860:<br \/>\n\ubcf8 \uc5f0\uad6c\ub294 1\ucc28(\uaddc\uc81c \uc900\uc218 \ucc45\uc784\uc790, \ubd80\ub3d9\uc0b0 \uc778\uc218 \uc2ec\uc0ac\uad00, SaaS \uc784\uc6d0 \uc778\ud130\ubdf0) \ubc0f 2\ucc28(FBI, UNODC, FATF, Europol, \uae30\uc5c5 \uacf5\uc2dc \uc790\ub8cc \ub4f1) \uc870\uc0ac\ub97c \ubcd1\ud589\ud569\ub2c8\ub2e4. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc608\uce21\uc740 \uad6d\uac00 \ubc94\uc8c4 \ud1b5\uacc4\uc640 \uaddc\uc81c \uc900\uc218 \uc9c0\ucd9c\uc744 \uae30\ubc18\uc73c\ub85c \ud55c \uc0c1\ud5a5\uc2dd \ubc0f \ud558\ud5a5\uc2dd \uc811\uadfc \ubc29\uc2dd\uc744 \ud63c\ud569\ud558\uc5ec \ub514\uc9c0\ud138 \uacb0\uc81c\ub7c9 \uc99d\uac00, AML \ubc8c\uae08 \ucd1d\uc561, \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec \uc810\uc720\uc728, \ub3c4\uc2dc \uc778\uad6c \ud655\uc7a5, \uae30\uc5c5 \ubcf4\uc548 \uc608\uc0b0 \ub4f1\uc758 \ubcc0\uc218\ub97c \uace0\ub824\ud569\ub2c8\ub2e4. \ub370\uc774\ud130\ub294 \ub3c5\ub9bd\uc801\uc778 \ubca4\uce58\ub9c8\ud06c\uc640\uc758 \ud3b8\ucc28 \ud14c\uc2a4\ud2b8, 4\uc778 \ubd84\uc11d\uac00 \uac80\ud1a0, \uc774\uc0c1 \uc9d5\ud6c4 \ubc1c\uc0dd \uc2dc \uc751\ub2f5\uc790 \uc7ac\uc811\ucd09\uc744 \ud1b5\ud574 \uac80\uc99d\ub418\uba70, \ubcf4\uace0\uc11c\ub294 \ub9e4\ub144 \uc5c5\ub370\uc774\ud2b8\ub429\ub2c8\ub2e4. Mordor Intelligence\uc758 \uae30\uc900\uc120\uc740 \ubc94\uc8c4 \uad00\ub828 \uc218\uc694 \uc9c0\ud45c\uc640 \uc5f0\uac04 1\ucc28 \uac80\uc99d\uc744 \ud1b5\ud574 \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ud1b5\ucc30\ub825\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-46591","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\/46591"}],"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=46591"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/46591\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=46591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=46591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=46591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}