{"id":48262,"date":"2026-02-20T03:25:19","date_gmt":"2026-02-20T03:25:19","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/payment-security-market-mordor\/"},"modified":"2026-09-25T03:11:26","modified_gmt":"2026-09-24T18:11:26","slug":"payment-security-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/payment-security-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc810\uc720\uc728 \ubd84\uc11d &#8211; \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f \uc804\ub9dd (2026-2031\ub144)"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/www.globalresearch.co.kr\/insight\/wp-content\/uploads\/2026\/02\/payment-security-market-1751528976062-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\/payment-security-market-size-image-1770824552058.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 \ubd81\ubbf8 \uc9c0\uc5ed PCI-DSS 4.0 \uc900\uc218\ub97c \uc704\ud55c \uaddc\uc81c \uac15\ud654<\/li>\n<li class=\"toc-level-3\">4.2.2 \ud074\ub77c\uc6b0\ub4dc \uacb0\uc81c \ucc98\ub9ac\uc5c5\uccb4\ub4e4 \uc0ac\uc774\uc5d0\uc11c AI \uae30\ubc18 \uc0ac\uae30 \ubd84\uc11d \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc548\uc804\ud55c \ud1a0\ud070 \uae08\uace0\ub97c \uc694\uad6c\ud558\ub294 \uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c(BNPL) \ud655\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.4 \uc720\ub7fd \ub0b4 IoT \uc9c0\uc6d0 POS \ub2e8\ub9d0\uae30\uc758 \uae09\uc18d\ud55c \uc131\uc7a5<\/li>\n<li class=\"toc-level-3\">4.2.5 \uc2e0\ud765 \uc544\uc2dc\uc544 \uc2dc\uc7a5 \uc804\ubc18\uc758 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uc9c0\uac11 \ubd90<\/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 \uc911\uc18c \uaddc\ubaa8 \ud310\ub9e4\uc790\ub97c \uc704\ud55c \ub192\uc740 \ucd08\uae30 \ud1b5\ud569 \ube44\uc6a9<\/li>\n<li class=\"toc-level-3\">4.3.2 3-D Secure 2.2 \ubc30\ud3ec \uc2dc \uac70\ub798 \uc9c0\uc5f0 \ubb38\uc81c<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc2e0\ud765\uad6d\uc5d0\uc11c \ud30c\ud3b8\ud654\ub418\uace0 \uc911\ubcf5\ub418\ub294 \ub370\uc774\ud130 \ubcf4\ud638 \ubc95\uaddc<\/li>\n<li class=\"toc-level-3\">4.3.4 \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc6b0\ub824<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.4 \uac00\uce58 \uc0ac\uc2ac \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.5 \uaddc\uc81c \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.6 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d\n<ul>\n<li class=\"toc-level-3\">4.6.1 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.2 \uad6c\ub9e4\uc790\/\uc18c\ube44\uc790\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.3 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.6.4 \ub300\uccb4\uc7ac\uc758 \uc704\ud611<\/li>\n<li class=\"toc-level-3\">4.6.5 \uacbd\uc7c1 \uac15\ub3c4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.7 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uac70\uc2dc \uacbd\uc81c \ub3d9\ud5a5 \ud3c9\uac00<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21 (\uac00\uce58)<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uc194\ub8e8\uc158 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc554\ud638\ud654<\/li>\n<li class=\"toc-level-3\">5.1.2 \ud1a0\ud070\ud654<\/li>\n<li class=\"toc-level-3\">5.1.3 \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f \ubc29\uc9c0<\/li>\n<li class=\"toc-level-3\">5.1.4 \uae30\ud0c0 \uc194\ub8e8\uc158<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ud50c\ub7ab\ud3fc\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \ubaa8\ubc14\uc77c \uae30\ubc18<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc6f9 \uae30\ubc18<\/li>\n<li class=\"toc-level-3\">5.2.3 \ub9e4\uc7a5 \ub0b4 \/ POS<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc870\uc9c1 \uaddc\ubaa8\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc911\uc18c\uae30\uc5c5 (SMEs)<\/li>\n<li class=\"toc-level-3\">5.3.2 \ub300\uae30\uc5c5<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798<\/li>\n<li class=\"toc-level-3\">5.4.2 BFSI<\/li>\n<li class=\"toc-level-3\">5.4.3 \ud5ec\uc2a4\ucf00\uc5b4<\/li>\n<li class=\"toc-level-3\">5.4.4 IT \ubc0f \ud1b5\uc2e0<\/li>\n<li class=\"toc-level-3\">5.4.5 \uc5ec\ud589 \ubc0f \uc219\ubc15<\/li>\n<li class=\"toc-level-3\">5.4.6 \uc815\ubd80<\/li>\n<li class=\"toc-level-3\">5.4.7 \uae30\ud0c0 \uc0b0\uc5c5<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.2.6 \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 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \uc77c\ubcf8<\/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 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9<\/li>\n<li class=\"toc-level-4\">5.5.5.1 \uc544\ub78d\uc5d0\ubbf8\ub9ac\ud2b8<\/li>\n<li class=\"toc-level-4\">5.5.5.2 \uc0ac\uc6b0\ub514\uc544\ub77c\ube44\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.3 \uc911\ub3d9 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.6 \uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.6.1 \ub0a8\uc544\ud504\ub9ac\uce74 \uacf5\ud654\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.6.2 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.6.3 \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4<\/li>\n<li class=\"toc-level-2\">6.2 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.3 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.4 \uae30\uc5c5 \ud504\ub85c\ud544 (\uae00\ub85c\ubc8c \uac1c\uc694, \uc2dc\uc7a5 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \uc7ac\ubb34 \uc815\ubcf4(\uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\ub7b5 \uc815\ubcf4, \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 Visa Inc. (CyberSource Corporation)<\/li>\n<li class=\"toc-level-3\">6.4.2 Bluefin Payment Systems LLC<\/li>\n<li class=\"toc-level-3\">6.4.3 PayPal Holdings Inc. (Braintree)<\/li>\n<li class=\"toc-level-3\">6.4.4 Elavon Inc.<\/li>\n<li class=\"toc-level-3\">6.4.5 SecurionPay<\/li>\n<li class=\"toc-level-3\">6.4.6 Global Payments Inc.<\/li>\n<li class=\"toc-level-3\">6.4.7 Worldline SA<\/li>\n<li class=\"toc-level-3\">6.4.8 Broadcom Inc. (Symantec)<\/li>\n<li class=\"toc-level-3\">6.4.9 Stripe Inc.<\/li>\n<li class=\"toc-level-3\">6.4.10 Fiserv Inc. (First Data)<\/li>\n<li class=\"toc-level-3\">6.4.11 Signifyd Inc.<\/li>\n<li class=\"toc-level-3\">6.4.12 Adyen N.V.<\/li>\n<li class=\"toc-level-3\">6.4.13 Shift4 Payments Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 TokenEx Inc.<\/li>\n<li class=\"toc-level-3\">6.4.15 Forter Ltd.<\/li>\n<li class=\"toc-level-3\">6.4.16 ACI Worldwide Inc.<\/li>\n<li class=\"toc-level-3\">6.4.17 RSA Security LLC<\/li>\n<li class=\"toc-level-3\">6.4.18 F5 Inc. (Shape Security)<\/li>\n<li class=\"toc-level-3\">6.4.19 Thales Group (Gemalto)<\/li>\n<li class=\"toc-level-3\">6.4.20 Transaction Network Services (TNS)<\/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>\uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \uac1c\uc694 (2026-2031)<\/p>\n<p>\ubaa8\ub354 \uc778\ud154\ub9ac\uc804\uc2a4(Mordor Intelligence)\uc758 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc740 2025\ub144 337\uc5b5 2\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 394\uc5b5 4\ucc9c\ub9cc \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \ucd94\uc815\ub418\uba70, 2031\ub144\uc5d0\ub294 861\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc608\uce21 \uae30\uac04(2026-2031) \ub3d9\uc548 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc740 16.95%\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uacac\uace0\ud55c \uc131\uc7a5\uc138\ub294 \uac15\ud654\ub418\ub294 \uaddc\uc81c \uc758\ubb34, \ub514\uc9c0\ud138 \ucc44\ub110\uc744 \ud1b5\ud55c \uac70\ub798\ub7c9 \uc99d\uac00, \uadf8\ub9ac\uace0 \ud0d0\uc9c0 \uae30\uc220\uc758 \uc9c0\uc18d\uc801\uc778 \ud601\uc2e0\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc8fc\uc694 \ub3d9\uc778 \ubc0f \ud2b8\ub80c\ub4dc:<\/p>\n<p>\uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc758 \uc131\uc7a5\uc744 \uc774\ub044\ub294 \uc8fc\uc694 \ub3d9\uc778\uc73c\ub85c\ub294 PCI DSS 4.0 \uaddc\uc815 \uc900\uc218 \uc758\ubb34\ud654, AI \uae30\ubc18 \uc0ac\uae30 \ubd84\uc11d\uc758 \ud655\uc0b0, BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \uc11c\ube44\uc2a4\uc758 \uc99d\uac00, IoT \uae30\ubc18 POS \ub2e8\ub9d0\uae30\uc758 \uae09\uc99d, \uadf8\ub9ac\uace0 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uacb0\uc81c \uc9c0\uac11\uc758 \ud655\uc0b0\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>1.  PCI DSS 4.0 \uaddc\uc815 \uc900\uc218 \uc758\ubb34\ud654: 2025\ub144 3\uc6d4\ubd80\ud130 \uc2dc\ud589\ub418\ub294 PCI DSS 4.0\uc740 \ubd81\ubbf8 \uc9c0\uc5ed\uc744 \uc911\uc2ec\uc73c\ub85c \ubcf4\uc548 \uc608\uc0b0\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub808\ubca8 1 \uae30\uc5c5\uc758 \uacbd\uc6b0 \uc5f0\uac04 \ucd5c\ub300 25\ub9cc \ub2ec\ub7ec\uc758 \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud558\uba70, \uc9c0\uc18d\uc801\uc778 \ub85c\uadf8 \ubd84\uc11d \ubc0f \uacb0\uc81c \ud398\uc774\uc9c0 \uc2a4\ud06c\ub9bd\ud2b8 \ubb34\uacb0\uc131 \ub4f1 64\uac00\uc9c0 \uc0c8\ub85c\uc6b4 \uc694\uad6c\uc0ac\ud56d\uc744 \ucda9\uc871\ud574\uc57c \ud569\ub2c8\ub2e4. \uc6d4 \ucd5c\ub300 50\ub9cc \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \ubbf8\uc900\uc218 \ubc8c\uae08\uc740 \ud1a0\ud070\ud654 \ubc0f \uc790\ub3d9\ud654\ub41c \uc554\ud638\ud654 \uc11c\ube44\uc2a4\uc758 \uc2e0\uc18d\ud55c \ub3c4\uc785\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc5d0\uc11c\ub3c4 PSD3 \uc870\ud56d\uc774 PCI \ud1b5\uc81c\uc640 \uc5f0\uacc4\ub418\uba74\uc11c 2027\ub144\uae4c\uc9c0 \ud22c\uc790 \ubaa8\uba58\ud140\uc774 \uc720\uc9c0\ub420 \uac83\uc73c\ub85c \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p>2.  AI \uae30\ubc18 \uc0ac\uae30 \ubd84\uc11d\uc758 \ud655\uc0b0: \uae08\uc735 \uae30\uad00\ub4e4\uc740 \uc2e4\uc2dc\uac04\uc73c\ub85c 100\uac1c \uc774\uc0c1\uc758 \uc0c1\ud669\ubcc4 \uc2e0\ud638\ub97c \uac80\uc0ac\ud558\ub294 \uc801\uc751\ud615 \uba38\uc2e0\ub7ec\ub2dd \ubaa8\ub378\ub85c \uc804\ud658\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc790(Visa)\ub294 2024\ub144 AI \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ud1b5\ud574 400\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc758 \uc0ac\uae30 \uac70\ub798\ub97c \ucc28\ub2e8\ud588\uc73c\uba70, \uc624\ud0d0\uc728\uc744 85% \uc904\uc774\uace0 \uc2b9\uc778\uc728\uc744 \uac1c\uc120\ud588\uc2b5\ub2c8\ub2e4. \ud074\ub77c\uc6b0\ub4dc \ud504\ub85c\uc138\uc11c\ub4e4\uc740 \uc774\ub7ec\ud55c \ubaa8\ub378\uc744 \ub9c8\uc774\ud06c\ub85c \uc11c\ube44\uc2a4\ub85c \ub0b4\uc7a5\ud558\uc5ec, \ud310\ub9e4\uc790\ub4e4\uc774 \ubcf5\uc7a1\ud55c \ud1b5\ud569 \uc5c6\uc774 \uc704\ud5d8 \uc784\uacc4\uac12\uc744 \ubbf8\uc138 \uc870\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc774\ub294 \uc2e0\ud765 \uc2dc\uc7a5\uc5d0\uc11c \ucc28\uc138\ub300 \uc0ac\uae30 \ubd84\uc11d\uc758 \ubcf4\ud3b8\uc801\uc778 \ubc30\ud3ec\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n<p>3.  BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \uc11c\ube44\uc2a4\uc758 \ud655\uc7a5: \uc2dd\ub8cc\ud488 \ubc0f \uc8fc\ud0dd\uacfc \uac19\uc740 \ubd84\uc57c\uc5d0\uc11c BNPL \uc0ac\uc6a9\uc774 \uc99d\uac00\ud558\uba74\uc11c \ud569\uc131 \uc2e0\uc6d0 \uc0ac\uae30\uc5d0 \ub300\ud55c \ub178\ucd9c \uae30\uac04\uc774 \uae38\uc5b4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. BNPL \uc81c\uacf5\uc5c5\uccb4\ub4e4\uc740 \uc774\uc81c \uc7a5\uce58 \uc9c0\ubb38 \uc778\uc2dd, \uc2e4\uc2dc\uac04 \uc0dd\uccb4 \uc778\uc2dd \ud655\uc778, \uac15\ud654\ub41c \ud1a0\ud070 \ubcfc\ud2b8\ub97c \uacb0\ud569\ud55c \ub2e4\uce35 \ubc29\uc5b4\ub97c \ubc30\ud3ec\ud558\uc5ec PCI \ubc94\uc704\ub97c \uc904\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc720\ub7fd\uc758 \uac15\ud654\ub41c \uaddc\uc81c\ub294 \uc6d0\uc2dc \uce74\ub4dc \ub370\uc774\ud130\ub97c \uc800\uc7a5\ud558\uc9c0 \uc54a\uace0 \ud560\ubd80 \ubd84\ud560\uc744 \uc9c0\uc6d0\ud558\ub294 \ubcfc\ud2b8 \uc124\uacc4 \uc778\uc99d\uc744 \uc694\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>4.  IoT \uae30\ubc18 POS \ub2e8\ub9d0\uae30\uc758 \uae09\uc99d: \uc720\ub7fd \uc18c\ub9e4\uc5c5\uccb4\ub4e4\uc740 \uc140\ub8f0\ub7ec \uae30\ubc18 POS \ub2e8\ub9d0\uae30\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ucd9c\uc2dc\ud558\uc5ec \ud1b5\uc2e0\uc0ac \ub124\ud2b8\uc6cc\ud06c \uac04 \uc790\ub3d9 \uc804\ud658\uc744 \ud1b5\ud574 \uc911\ub2e8 \uc5c6\ub294 \ucc98\ub9ac\ub97c \ubcf4\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. PCI MPoC(\uc0c1\uc6a9 \uae30\uae30\uc6a9 \ubaa8\ubc14\uc77c \uacb0\uc81c) \uaddc\uce59\uc740 \uac1c\ubc1c\uc790\ub4e4\uc774 \uc554\ud638\ud654 \uaca9\ub9ac \uc601\uc5ed\uacfc \ubcc0\uc870 \ubc29\uc9c0 \ud558\ub4dc\uc6e8\uc5b4\ub97c \ub0b4\uc7a5\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4. \ubd81\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c\ub3c4 \uac00\uaca9 \ud558\ub77d\uacfc \uc634\ub2c8\ucc44\ub110 \uacbd\ud5d8 \ud1b5\uc77c\ud654\ub97c \ubaa9\ud45c\ub85c \ub3c4\uc785\uc774 \ub4a4\ub530\ub974\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>5.  \uc2e0\ud765 \uc544\uc2dc\uc544 \uc2dc\uc7a5\uc758 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uacb0\uc81c \uc9c0\uac11 \ud655\uc0b0: \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uacb0\uc81c \uc9c0\uac11\uc758 \uae09\uc99d\uc73c\ub85c \uc778\ud574 \uc7a5\uae30\uc801\uc778 \uc131\uc7a5 \ub3d9\ub825\uc744 \ud655\ubcf4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc911\uad6d\uc740 \uc774\ubbf8 \uc628\ub77c\uc778 \uac70\ub798\uc758 82%\uac00 \ubaa8\ubc14\uc77c \uc9c0\uac11\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9c0\uace0 \uc788\uc73c\uba70, \uc778\ub3c4\uc758 UPI \uc2dc\uc2a4\ud15c\uc740 \uce74\ub4dc \uc0ac\uc6a9\uc744 \ub2a5\uac00\ud558\ub294 \ucd08\uace0\uc18d P2M(\uac1c\uc778 \uac04-\ud310\ub9e4\uc790) \uc1a1\uae08\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\ub294 \uc571 \ub808\uc774\uc5b4\uc5d0\uc11c \uc9c1\uc811 \uc0dd\uccb4 \uc778\uc2dd \uc778\uc99d, \ub124\ud2b8\uc6cc\ud06c \ud1a0\ud070 \ud504\ub85c\ube44\uc800\ub2dd \ubc0f \uc7a5\uce58 \uc99d\uba85\uc5d0 \ub300\ud55c \uc694\uad6c\uc0ac\ud56d\uc744 \ub192\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778:<\/p>\n<p>\uc131\uc7a5 \ub3d9\uc778\uacfc \ud568\uaed8 \uc2dc\uc7a5 \uc131\uc7a5\uc744 \uc800\ud574\ud558\ub294 \uba87 \uac00\uc9c0 \uc81c\uc57d \uc694\uc778\ub3c4 \uc874\uc7ac\ud569\ub2c8\ub2e4.<\/p>\n<p>1.  \uc911\uc18c\uae30\uc5c5(SMEs)\uc758 \ub192\uc740 \ucd08\uae30 \ud1b5\ud569 \ube44\uc6a9: \uc911\uc18c \ud310\ub9e4\uc790\uc758 \uc77c\ubc18\uc801\uc778 \uc5f0\uac04 \ubcf4\uc548 \uc9c0\ucd9c\uc740 5,000\ub2ec\ub7ec\uc5d0\uc11c 50,000\ub2ec\ub7ec\uc5d0 \uc774\ub974\uba70, \uc774\ub294 IT \uc608\uc0b0\uc774 \uc801\uc740 \uc2e0\ud765 \uacbd\uc81c\uad6d\uc758 \ud604\uae08 \ud750\ub984\uc5d0 \ubd80\ub2f4\uc744 \uc90d\ub2c8\ub2e4. \ubcf5\uc7a1\ud55c \ubc94\uc704 \uc124\uc815 \uc791\uc5c5\uc73c\ub85c \uc778\ud574 \ub9ce\uc740 \uc911\uc18c\uae30\uc5c5\uc774 \ubc88\ub4e4 \ud074\ub77c\uc6b0\ub4dc \uad6c\ub3c5\uc73c\ub85c \uc804\ud658\ud558\uc9c0\ub9cc, \ub370\uc774\ud130 \uc0c1\uc8fc \ubc0f \ubca4\ub354 \uc885\uc18d\uc5d0 \ub300\ud55c \uc6b0\ub824\uac00 \uc804\ud658 \uc18d\ub3c4\ub97c \ub2a6\ucda5\ub2c8\ub2e4.<\/p>\n<p>2.  3-D Secure 2.2 \ub3c4\uc785 \uc2dc \uac70\ub798 \uc9c0\uc5f0 \ubb38\uc81c: 3DS 2.2\uc5d0\uc11c \ub354 \ud48d\ubd80\ud55c \ub370\uc774\ud130 \ud544\ub4dc\ub97c \uad50\ud658\ud574\uc57c \ud558\ub294 \uc694\uad6c\uc0ac\ud56d\uc740 \uacb0\uc81c \uc774\ud0c8 \uc784\uacc4\uac12 \ubbf8\ub9cc\uc73c\ub85c \uccb4\ud06c\uc544\uc6c3 \uc2dc\uac04\uc744 \uc720\uc9c0\ud558\ub824\ub294 \uc778\uc218\uc5c5\uccb4\uc5d0\uac8c \uacfc\uc81c\ub97c \uc81c\uae30\ud569\ub2c8\ub2e4. \ubd81\ubbf8 \uc9c0\uc5ed\uc758 \ud14c\uc2a4\ud2b8 \uacb0\uacfc, \ucd94\uac00 \ub124\ud2b8\uc6cc\ud06c \ud649\uc73c\ub85c \uc778\ud574 \ud3c9\uade0 \uc2b9\uc778 \uc2dc\uac04\uc774 200\ubc00\ub9ac\ucd08 \uc99d\uac00\ud558\uc5ec \uace0\ud2b8\ub798\ud53d \ud310\ub9e4\uc790\uc5d0\uac8c \uc0c1\ub2f9\ud55c \ub9e4\ucd9c \uc190\uc2e4\uc744 \ucd08\ub798\ud558\ub294 \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n<p>3.  \uc2e0\ud765\uad6d\uc758 \ud30c\ud3b8\ud654\ub418\uace0 \uc911\ubcf5\ub418\ub294 \ub370\uc774\ud130 \ubcf4\ud638 \ubc95\uaddc: \uc2e0\ud765\uad6d\uc5d0\uc11c\ub294 \ud30c\ud3b8\ud654\ub418\uace0 \uc911\ubcf5\ub418\ub294 \ub370\uc774\ud130 \ubcf4\ud638 \ubc95\uaddc\uac00 \uc874\uc7ac\ud558\uc5ec \uae30\uc5c5\ub4e4\uc774 \uc5ec\ub7ec \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc900\uc218\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc2b5\ub2c8\ub2e4.<\/p>\n<p>4.  \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc6b0\ub824: \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd \uae30\uc220\uc758 \uc0ac\uc6a9\uc774 \uc99d\uac00\ud558\uba74\uc11c \uc18c\ube44\uc790 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638\uc5d0 \ub300\ud55c \uc6b0\ub824\uac00 \uc81c\uae30\ub418\uace0 \uc788\uc73c\uba70, \ud2b9\ud788 \uc720\ub7fd \ubc0f \ubd81\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c \uc774\ub7ec\ud55c \uc6b0\ub824\uac00 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d:<\/p>\n<p>*   \uc194\ub8e8\uc158 \uc720\ud615\ubcc4: \ud1a0\ud070\ud654\ub294 2025\ub144 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 30.45%\ub97c \ucc28\uc9c0\ud558\uba70, \ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uae30\ubcf8 \uacc4\uc815 \ubc88\ud638\ub97c \uc81c\uac70\ud558\uace0 \uac10\uc0ac \ubc94\uc704\ub97c \ucd95\uc18c\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uc554\ud638\ud654\ub294 \ud2b9\ud788 \uc740\ud589 \ubc0f \uc758\ub8cc \ubd84\uc57c\uc5d0\uc11c \uc804\uc1a1 \uc911\uc778 \ub370\uc774\ud130\uc5d0 \ud544\uc218\uc801\uc785\ub2c8\ub2e4. AI \uae30\ubc18 \uc0ac\uae30 \ud0d0\uc9c0 \ud50c\ub7ab\ud3fc\uc740 \uc9c4\ud654\ud558\ub294 \uacf5\uaca9 \ubca1\ud130\ub85c\ubd80\ud130 \uc2a4\uc2a4\ub85c \ud559\uc2b5\ud558\ub294 \uc801\uc751\ud615 \uc81c\uc5b4\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \ubc18\uc601\ud558\uc5ec 20.4%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>*   \ud50c\ub7ab\ud3fc\ubcc4: \uc6f9 \uae30\ubc18 \ubc30\ud3ec\ub294 2025\ub144 46.20%\uc758 \ub9e4\ucd9c \uc810\uc720\uc728\ub85c \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc744 \uc8fc\ub3c4\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ubaa8\ubc14\uc77c \ud50c\ub7ab\ud3fc\uc740 2031\ub144\uae4c\uc9c0 22.3%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc5d4\uc9c4\uc785\ub2c8\ub2e4. \uc634\ub2c8\ucc44\ub110 \uc804\ub7b5\uc740 \uce74\ub4dc \uc874\uc7ac \ubc0f \uce74\ub4dc \ubd80\uc7ac \ubcf4\uc548 \ud45c\uc900 \uac04\uc758 \uaca9\ucc28\ub97c \uc881\ud788\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uc870\uc9c1 \uaddc\ubaa8\ubcc4: \ub300\uae30\uc5c5\uc740 \ub354 \uae4a\uc740 \uc608\uc0b0\uacfc \ub2e4\uc911 \uc9c0\uc5ed \uaddc\uc815 \uc900\uc218\uc758 \ubcf5\uc7a1\uc131\uc73c\ub85c \uc778\ud574 2025\ub144 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc758 64.30%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc911\uc18c\uae30\uc5c5(SMEs)\uc740 \uad6c\ub3c5 \uae30\ubc18 \ubaa8\ub378\uc774 \ucc44\ud0dd \ubb38\ud131\uc744 \ub0ae\ucd94\uba74\uc11c 2031\ub144\uae4c\uc9c0 21.9%\uc758 CAGR\ub85c \uc804\uccb4 \uc2dc\uc7a5 \uc18d\ub3c4\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4: \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798\ub294 2025\ub144 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \uaddc\ubaa8\uc758 36.40%\ub97c \uc720\uc9c0\ud588\uc73c\uba70, \uc774\ub294 \uce74\ub4dc \ubd80\uc7ac \uc0ac\uae30\uac00 \uc628\ub77c\uc778 \uac70\ub798\ub7c9 \uc99d\uac00\uc5d0 \uc9c0\uc18d\uc801\uc73c\ub85c \uc601\ud5a5\uc744 \ubbf8\uce58\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4. \ud5ec\uc2a4\ucf00\uc5b4\ub294 \uc81c\uacf5\uc5c5\uccb4\uac00 \uccad\uad6c \ucc44\ub110\uc744 \ub514\uc9c0\ud138\ud654\ud558\uace0 PCI \uc758\ubb34\uc640 HIPAA \uc758\ubb34\ub97c \uc870\ud654\uc2dc\ud0a4\uba74\uc11c 18.7%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. BFSI(\uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8) \ubd80\ubb38\uc740 \uc9c1\uc811\uc801\uc778 \uaddc\uc81c \uac10\ub3c5\uacfc \uacc4\uc815 \ud0c8\ucde8 \uc2dc\ub3c4 \uc99d\uac00\ub85c \uc778\ud574 \uc9c0\ucd9c\uc744 \uc801\uadf9\uc801\uc73c\ub85c \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc5ed\ubcc4 \ubd84\uc11d:<\/p>\n<p>*   \ubd81\ubbf8: 2025\ub144 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 29.60%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, PCI DSS 4.0\uc73c\ub85c\uc758 \uc870\uae30 \uc804\ud658\uacfc \ub300\uaddc\ubaa8 \uc634\ub2c8\ucc44\ub110 \ud310\ub9e4\uc790\ub4e4\uc758 \uc9c0\uc18d\uc801\uc778 \uc5c5\uadf8\ub808\uc774\ub4dc\uc5d0 \ud798\uc785\uc5c8\uc2b5\ub2c8\ub2e4. \uae30\uc5c5 \uc608\uc0b0\uc740 AI \uae30\ubc18 \uc704\ud5d8 \uc5d4\uc9c4\uc744 \uc6b0\uc120\uc2dc\ud558\uba70, \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c\ub294 \ubd80\uac00\uac00\uce58 \ubcf4\uc548 \uc11c\ube44\uc2a4\ub97c \ucc98\ub9ac \uc694\uae08\uc5d0 \ud3ec\ud568\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: \ubaa8\ubc14\uc77c \uc9c0\uac11\uc774 \uc804\uccb4 \uc804\uc790\uc0c1\uac70\ub798 \uac70\ub798\ub7c9\uc758 70%\ub97c \ucc28\uc9c0\ud558\uba70 \uc131\uc7a5\uc758 \ud575\uc2ec \uc9c0\uc5ed\uc73c\ub85c \ub0a8\uc544 \uc788\uc2b5\ub2c8\ub2e4. \uc815\ubd80 \uc9c0\uc6d0 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \uc801\uadf9\uc801\uc778 \uae08\uc735 \ud3ec\uc6a9 \uc815\ucc45\uc774 \uc774\ub97c \ub4b7\ubc1b\uce68\ud569\ub2c8\ub2e4.<\/p>\n<p>*   \uc720\ub7fd: \uac15\ub825\ud55c \uc18c\ube44\uc790 \ubcf4\ud638 \uaddc\ubc94\uacfc \ube60\ub978 POS \uae30\uc220 \uad50\uccb4 \uc8fc\uae30\uac00 \uade0\ud615\uc744 \uc774\ub8f9\ub2c8\ub2e4. PCI MPoC \ubc0f PSD3\ub294 27\uac1c \ud68c\uc6d0\uad6d \uc804\ubc18\uc5d0 \uac78\uccd0 \uc870\ud654\ub85c\uc6b4 \uaddc\uc815 \uc900\uc218 \ud658\uacbd\uc744 \uc870\uc131\ud558\uc5ec \uc790\ub3d9\ucc28, \uc219\ubc15 \ubc0f \uc6b4\uc1a1 \ubd80\ubb38\uc5d0\uc11c \ube44\uc811\ucd09\uc2dd \ubc0f IoT \uae30\ubc18 \ub2e8\ub9d0\uae30 \ucc44\ud0dd\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74: 2031\ub144\uae4c\uc9c0 19.8%\uc758 \uac00\uc7a5 \ub192\uc740 CAGR\uc744 \ubcf4\uc774\uba70, \uc774\uc804\uc5d0 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud558\uc9c0 \ubabb\ud588\ub358 \uc778\uad6c\ub97c \uc704\ud55c \ubaa8\ubc14\uc77c \uba38\ub2c8 \ud50c\ub7ab\ud3fc\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub429\ub2c8\ub2e4. \uc9c0\uc5ed \uaddc\uc81c \ub2f9\uad6d\uc740 \ud074\ub77c\uc6b0\ub4dc \ud1a0\ud070 \ubcfc\ud2b8\ub97c \uc9c0\uc6d0\ud558\ub294 \ub514\uc9c0\ud138 \uc2e0\uc6d0 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubc0f \uc8fc\uc694 \uae30\uc5c5:<\/p>\n<p>\uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc758 \uacbd\uc7c1\uc740 \uae30\uc874 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c, \uae00\ub85c\ubc8c \ud504\ub85c\uc138\uc11c \ubc0f \uc804\ubb38 \ud540\ud14c\ud06c \uc2a4\ud0c0\ud2b8\uc5c5\uc758 \uc870\ud569\uc73c\ub85c \ud2b9\uc9d5\uc9c0\uc5b4\uc9d1\ub2c8\ub2e4. \uc2dc\uc7a5 \ub9ac\ub354\ub4e4\uc740 \uc5ed\ub7c9 \ud655\uc7a5\uc744 \uac00\uc18d\ud654\ud558\uae30 \uc704\ud574 \uc778\uc218\ud569\ubcd1(M&#038;A)\uc744 \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ube44\uc790(Visa)\ub294 2025\ub144 9\uc6d4\uae4c\uc9c0 AI \uc804\ubb38 \uae30\uc5c5 Featurespace \uc778\uc218\ub97c \uc644\ub8cc\ud558\uc5ec \uc790\uccb4 \uc704\ud5d8 \uc2a4\ud0dd\uc5d0 \uc801\uc751\ud615 \ud589\ub3d9 \ubaa8\ub378\uc744 \ucd94\uac00\ud560 \uacc4\ud68d\uc785\ub2c8\ub2e4. \uc6d4\ub4dc\ud398\uc774(Worldpay)\ub294 2025\ub144 2\uc6d4 Ravelin\uc744 \uc778\uc218\ud558\uc5ec \uc804\uc790\uc0c1\uac70\ub798 \uc2b9\uc778\uc728\uc744 \ub192\uc600\uc73c\uba70, 2025\ub144 4\uc6d4\uc5d0\ub294 \uae00\ub85c\ubc8c \ud398\uc774\uba3c\uce20(Global Payments)\uc640 \ud569\ubcd1\ud558\uc5ec \uc5f0\uac04 940\uc5b5 \uac74\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \ud1b5\ud569 \ubc94\uc704\ub97c \ud655\uc7a5\ud558\uae30\ub85c \ud569\uc758\ud588\uc2b5\ub2c8\ub2e4. \ub9c8\uc2a4\ud130\uce74\ub4dc(Mastercard)\ub294 2024\ub144 Recorded Future\ub97c 26\uc5b5 5\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\uc5ec \uc2e4\uc2dc\uac04 \uc704\ud611 \uc778\ud154\ub9ac\uc804\uc2a4 \ud53c\ub4dc\ub97c \ud1b5\ud569\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uae30\uc220 \ucc28\ubcc4\ud654\ub294 \uba38\uc2e0\ub7ec\ub2dd\uc758 \uae4a\uc774, \uc9c0\uc5f0 \uc2dc\uac04 \uad00\ub9ac \ubc0f \ud1a0\ud070 \uc218\uba85 \uc8fc\uae30 \uac70\ubc84\ub10c\uc2a4\uc5d0 \ub2ec\ub824 \uc788\uc2b5\ub2c8\ub2e4. \ub9c8\uc774\ud06c\ub85c\uc18c\ud504\ud2b8(Microsoft)\uc758 \uc6d0\uc7a5 \ub3c5\ub9bd\ud615 \ud1a0\ud070 \ud2b9\ud5c8\uc640 \uac19\uc774 \ud2b9\ud5c8 \ud65c\ub3d9\uc774 \ud65c\ubc1c\ud558\uba70, \uc774\ub294 \ub2e4\uc911 \uc778\uc218\uc5c5\uccb4 \ub77c\uc6b0\ud305\uc744 \uc2e4\ud589\ud558\ub294 \ud310\ub9e4\uc790\uc5d0\uac8c \ub9e4\ub825\uc801\uc778 \uae30\ub2a5\uc785\ub2c8\ub2e4. \uc8fc\uc694 \uae30\uc5c5\uc73c\ub85c\ub294 CyberSource Corporation (Visa Inc.), Bluefin Payment Systems LLC, Elavon Inc., SecurionPay, PayPal Holdings Inc. (Braintree) \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc804\ubc18\uc801\uc73c\ub85c \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc740 \uaddc\uc81c \uc900\uc218 \uac15\ud654, \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654, \uadf8\ub9ac\uace0 \uc0ac\uc774\ubc84 \uc704\ud611\uc758 \uc9c4\ud654\uc5d0 \ub530\ub77c \uc9c0\uc18d\uc801\uc778 \ud601\uc2e0\uacfc \uc131\uc7a5\uc744 \uacbd\ud5d8\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \ubcf4\uace0\uc11c\ub294 \uc0ac\uae30 \uc704\ud5d8\uc744 \uc644\ud654\ud558\uae30 \uc704\ud574 \uacb0\uc81c \uac00\ub9f9\uc810\uc774 \uad6c\ud604\ud558\ub294 \ud504\ub85c\ud1a0\ucf5c\uc744 \ub2e4\ub8e8\uba70, \ub514\uc9c0\ud138 \uac70\ub798\uac00 \uae09\uc99d\ud568\uc5d0 \ub530\ub77c \uac15\ub825\ud55c \uacb0\uc81c \ubcf4\uc548 \uc194\ub8e8\uc158\uc758 \ud544\uc694\uc131\uc774 \uc99d\ub300\ub418\uace0 \uc788\uc74c\uc744 \uac15\uc870\ud569\ub2c8\ub2e4. \ubcf8 \ubcf4\uace0\uc11c\ub294 \ub2e4\uc591\ud55c \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5 \ubc0f \uc9c0\uc5ed\uc5d0 \uac78\uccd0 \uc0ac\uc6a9\ub418\ub294 \ud50c\ub7ab\ud3fc\uc744 \uae30\ubc18\uc73c\ub85c \uc2dc\uc7a5\uc744 \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd\uc5d0 \ub530\ub974\uba74, \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5\uc740 2026\ub144 394.4\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 16.95%\ub85c \uc131\uc7a5\ud558\uc5ec 861.8\uc5b5 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c\ub294 \ubd81\ubbf8 \uc9c0\uc5ed\uc758 PCI-DSS 4.0 \uaddc\uc815 \uc900\uc218 \uc758\ubb34\ud654, \ud074\ub77c\uc6b0\ub4dc \uacb0\uc81c \ucc98\ub9ac\uc5c5\uccb4\ub4e4 \uc0ac\uc774\uc5d0\uc11c AI \uae30\ubc18 \uc0ac\uae30 \ubd84\uc11d\uc758 \uae09\uc99d, \uc548\uc804\ud55c \ud1a0\ud070 \ubcfc\ud2b8\ub97c \uc694\uad6c\ud558\ub294 BNPL(\uc120\uad6c\ub9e4 \ud6c4\uacb0\uc81c) \uc11c\ube44\uc2a4\uc758 \ud655\uc7a5, \uc720\ub7fd \ub0b4 IoT \uae30\ubc18 POS \ub2e8\ub9d0\uae30\uc758 \ube60\ub978 \uc131\uc7a5, \uadf8\ub9ac\uace0 \uc544\uc2dc\uc544 \uc2e0\ud765 \uc2dc\uc7a5 \uc804\ubc18\uc758 \ubaa8\ubc14\uc77c \uc6b0\uc120 \uc9c0\uac11 \ubd90 \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ubc18\uba74, \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778\uc73c\ub85c\ub294 \uc911\uc18c \uac00\ub9f9\uc810\uc758 \ub192\uc740 \ucd08\uae30 \ud1b5\ud569 \ube44\uc6a9, 3-D Secure 2.2 \ub3c4\uc785 \uc2dc \uac70\ub798 \uc9c0\uc5f0 \ubb38\uc81c, \uc2e0\ud765\uad6d\uc758 \ud30c\ud3b8\ud654\ub418\uace0 \uc911\ubcf5\ub418\ub294 \ub370\uc774\ud130 \ubcf4\ud638 \ubc95\uaddc, \uadf8\ub9ac\uace0 \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uac1c\uc778 \uc815\ubcf4 \ubcf4\ud638 \uc6b0\ub824 \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc194\ub8e8\uc158 \uc720\ud615\ubcc4\ub85c\ub294 \ud1a0\ud070\ud654(Tokenization)\uac00 2025\ub144 \uacb0\uc81c \ubcf4\uc548 \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 30.45%\ub97c \ucc28\uc9c0\ud558\uba70 \ub9e4\ucd9c\uc744 \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uac00\ub9f9\uc810 \uc2dc\uc2a4\ud15c\uc5d0\uc11c \ubbfc\uac10\ud55c \ub370\uc774\ud130\ub97c \uc81c\uac70\ud558\ub294 \ud1a0\ud070\ud654\uc758 \ub2a5\ub825\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc554\ud638\ud654, \uc0ac\uae30 \ud0d0\uc9c0 \ubc0f \uc608\ubc29, \uae30\ud0c0 \uc194\ub8e8\uc158\uc774 \uadf8 \ub4a4\ub97c \uc787\uc2b5\ub2c8\ub2e4. \ud50c\ub7ab\ud3fc\ubcc4\ub85c\ub294 \ubaa8\ubc14\uc77c \uae30\ubc18 \ubc30\ud3ec\uac00 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uac15\ub825\ud55c \ub514\uc9c0\ud138 \uc9c0\uac11 \ucc44\ud0dd\uc5d0 \ud798\uc785\uc5b4 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 22.3%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc6f9 \uae30\ubc18 \ubc0f \ub9e4\uc7a5\/POS \uae30\ubc18 \ud50c\ub7ab\ud3fc\ub3c4 \uc911\uc694\ud55c \ubd80\ubd84\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4. \uc870\uc9c1 \uaddc\ubaa8\ubcc4\ub85c\ub294 \uc911\uc18c\uae30\uc5c5(SMEs)\uacfc \ub300\uae30\uc5c5\uc73c\ub85c \uad6c\ubd84\ub418\uba70, \ucd5c\uc885 \uc0ac\uc6a9\uc790 \uc0b0\uc5c5\ubcc4\ub85c\ub294 \ud5ec\uc2a4\ucf00\uc5b4 \ubd80\ubb38\uc774 \uc870\uc9c1\ub4e4\uc774 \uccad\uad6c \ucc44\ub110\uc744 \ub514\uc9c0\ud138\ud654\ud558\uace0 PCI \ud1b5\uc81c\ub97c \uc5c4\uaca9\ud55c HIPAA \ub370\uc774\ud130 \ubcf4\ud638 \uaddc\uce59\uc5d0 \ub9de\ucd94\uba74\uc11c \uc5f0\ud3c9\uade0 18.7%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc18c\ub9e4 \ubc0f \uc804\uc790\uc0c1\uac70\ub798, BFSI(\uc740\ud589, \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ubcf4\ud5d8), IT \ubc0f \ud1b5\uc2e0, \uc5ec\ud589 \ubc0f \uc219\ubc15, \uc815\ubd80 \ubc0f \uae30\ud0c0 \uc0b0\uc5c5\ub3c4 \uc8fc\uc694 \ucd5c\uc885 \uc0ac\uc6a9\uc790\uc785\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \ub0a8\ubbf8, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\uac00 \ud3ec\ud568\ub418\uba70, \uac01 \uc9c0\uc5ed \ub0b4 \uc8fc\uc694 \uad6d\uac00\ub4e4\uc774 \uc138\ubd84\ud654\ub418\uc5b4 \ubd84\uc11d\ub429\ub2c8\ub2e4.<\/p>\n<p>\uaddc\uc81c \uce21\uba74\uc5d0\uc11c PCI DSS 4.0\uc740 \uac00\ub9f9\uc810\uc5d0\uac8c 2025\ub144 3\uc6d4\uae4c\uc9c0 64\uac1c\uc758 \uc0c8\ub85c\uc6b4 \ud1b5\uc81c \uc0ac\ud56d\uc744 \uc900\uc218\ud558\ub3c4\ub85d \uc694\uad6c\ud558\uba70, \ubbf8\uc900\uc218 \uc2dc \uc6d4 \ucd5c\ub300 50\ub9cc \ub2ec\ub7ec\uc758 \ubc8c\uae08\uc774 \ubd80\uacfc\ub420 \uc218 \uc788\uc5b4 \ud1a0\ud070\ud654 \ubc0f \uc9c0\uc18d\uc801\uc778 \ubaa8\ub2c8\ud130\ub9c1 \uc194\ub8e8\uc158\uc5d0 \uc0c1\ub2f9\ud55c \ud22c\uc790\ub97c \uc720\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd\uc740 \uc0c1\uc704 5\uac1c \uacf5\uae09\uc5c5\uccb4\uac00 \uc804\uccb4 \ub9e4\ucd9c\uc758 \uc57d 35%\ub97c \ucc28\uc9c0\ud558\ub294 \uc911\uac04 \uc815\ub3c4\uc758 \ud30c\ud3b8\ud654\ub41c \uc2dc\uc7a5\uc73c\ub85c, BNPL \uc0ac\uae30 \ubc0f \uc591\uc790 \ubcf4\uc548 \uc554\ud638\ud654\uc640 \uac19\uc740 \ud2c8\uc0c8\uc2dc\uc7a5\uc744 \ubaa9\ud45c\ub85c \ud558\ub294 \uc804\ubb38 \uc5c5\uccb4\ub4e4\uc5d0\uac8c \uae30\ud68c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. Visa Inc. (CyberSource Corporation), PayPal Holdings Inc. (Braintree), Global Payments Inc., Stripe Inc., Adyen N.V. \ub4f1 \ub2e4\uc218\uc758 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc774 \uc2dc\uc7a5\uc5d0\uc11c \uacbd\uc7c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \ub610\ud55c \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd, \ud2b9\ud788 \ud654\uc774\ud2b8 \uc2a4\ud398\uc774\uc2a4 \ubc0f \ubbf8\ucda9\uc871 \uc218\uc694 \ud3c9\uac00\ub97c \ud1b5\ud574 \uc7a0\uc7ac\uc801\uc778 \uc131\uc7a5 \uc601\uc5ed\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-48262","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\/48262"}],"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=48262"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/48262\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=48262"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=48262"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=48262"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}