{"id":51484,"date":"2026-02-22T17:42:47","date_gmt":"2026-02-22T17:42:47","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/core-banking-market-mordor\/"},"modified":"2026-10-30T04:59:20","modified_gmt":"2026-10-29T19:59:20","slug":"core-banking-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/core-banking-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \ucf54\uc5b4 \ubc45\ud0b9 \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\/core-banking-market-1733296132701-banking.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\/core-banking-market-size-image-1770993798130.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 \uc720\ub7fd \ubc0f \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uc624\ud508 API \uaddc\uc81c, \ud575\uc2ec \ud604\ub300\ud654 \uac00\uc18d\ud654<\/li>\n<li class=\"toc-level-3\">4.2.2 \ubd81\ubbf8 \uc9c0\uc5ed\uc758 \uc2e4\uc2dc\uac04 \uacb0\uc81c(ISO 20022, FedNow), \ub9c8\uc774\ud06c\ub85c \uc11c\ube44\uc2a4 \ub3c4\uc785 \ucd09\uc9c4<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc2e0\ud765 \uc544\uc2dc\uc544 \ubc0f \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74\uc758 \ub124\uc624\ubc45\ud06c \ud655\uc0b0, SaaS \ucf54\uc5b4 \uc218\uc694 \uc99d\ub300<\/li>\n<li class=\"toc-level-3\">4.2.4 \uba54\uc778\ud504\ub808\uc784 \uc9c0\uc6d0 \uc885\ub8cc(2027-29), 1\ub4f1\uae09 \uc740\ud589\uc758 \ud575\uc2ec \uc2dc\uc2a4\ud15c \uad50\uccb4 \ucd09\uc9c4<\/li>\n<li class=\"toc-level-3\">4.2.5 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec \ub9c8\uc774\uadf8\ub808\uc774\uc158 \uc778\uc13c\ud2f0\ube0c(AWS, Azure), \ud074\ub77c\uc6b0\ub4dc \ucf54\uc5b4\uc758 \ucd1d \uc18c\uc720 \ube44\uc6a9(TCO) \uc808\uac10<\/li>\n<li class=\"toc-level-3\">4.2.6 GCC \uc9c0\uc5ed\uc758 \uc0e4\ub9ac\uc544 \uc900\uc218 \uc740\ud589 \ud655\uc7a5, \uc804\uc6a9 \ud575\uc2ec \ubaa8\ub4c8 \ud544\uc694<\/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 \ubbf8\uad6d \uc9c0\uc5ed \uc740\ud589\uc758 \ub808\uac70\uc2dc \ud1b5\ud569 \ubcf5\uc7a1\uc131<\/li>\n<li class=\"toc-level-3\">4.3.2 COBOL-to-Java \uc7ac\ud50c\ub7ab\ud3fc \uae30\uc220 \ubd80\uc871<\/li>\n<li class=\"toc-level-3\">4.3.3 \uc544\ud504\ub9ac\uce74\uc758 \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uc815, \ud37c\ube14\ub9ad \ud074\ub77c\uc6b0\ub4dc \ucd9c\uc2dc \uc9c0\uc5f0<\/li>\n<li class=\"toc-level-3\">4.3.4 \ub3c5\uc810 \uc544\ud0a4\ud14d\ucc98 \uacf5\uae09\uc5c5\uccb4 \uc885\uc18d \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 \uc2e0\uaddc \uc9c4\uc785\uc790\uc758 \uc704\ud611<\/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 \uacf5\uae09\uc5c5\uccb4\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.4 \ub300\uccb4 \uc81c\ud488\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 \uad6c\uc131\uc694\uc18c\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \uc194\ub8e8\uc158<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc11c\ube44\uc2a4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ubc30\ud3ec \ubaa8\ub4dc\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc628\ud504\ub808\ubbf8\uc2a4<\/li>\n<li class=\"toc-level-3\">5.2.2 \ud074\ub77c\uc6b0\ub4dc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc194\ub8e8\uc158 \uc720\ud615\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc18c\ub9e4 \uae08\uc735 \ucf54\uc5b4<\/li>\n<li class=\"toc-level-3\">5.3.2 \uae30\uc5c5\/\uc0c1\uc5c5 \uae08\uc735 \ucf54\uc5b4<\/li>\n<li class=\"toc-level-3\">5.3.3 \uae30\ud0c0 \uc194\ub8e8\uc158 \uc720\ud615<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \uc740\ud589<\/li>\n<li class=\"toc-level-3\">5.4.2 \ube44\uc740\ud589 \uae08\uc735\uae30\uad00<\/li>\n<li class=\"toc-level-3\">5.4.3 \uae30\ud0c0 \ucd5c\uc885 \uc0ac\uc6a9\uc790 (\ud540\ud14c\ud06c, \uacb0\uc81c \uae30\uad00)<\/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 \uae30\ud0c0 \uc720\ub7fd<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uae30\ud0c0 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/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 \uae30\ud0c0 \ub0a8\ubbf8<\/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 \uae30\ud0c0 \uc911\ub3d9<\/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 \uae30\ud0c0 \uc544\ud504\ub9ac\uce74<\/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(\uc0ac\uc6a9 \uac00\ub2a5\ud55c \uacbd\uc6b0), \uc804\ub7b5 \uc815\ubcf4, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 \ubc0f \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.4.1 Fiserv, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.2 Temenos AG<\/li>\n<li class=\"toc-level-3\">6.4.3 Fidelity National Information Services, Inc. (FIS)<\/li>\n<li class=\"toc-level-3\">6.4.4 Finastra Group Holdings Limited<\/li>\n<li class=\"toc-level-3\">6.4.5 Infosys Limited<\/li>\n<li class=\"toc-level-3\">6.4.6 International Business Machines Corporation<\/li>\n<li class=\"toc-level-3\">6.4.7 Oracle Corporation<\/li>\n<li class=\"toc-level-3\">6.4.8 Tata Consultancy Services Limited<\/li>\n<li class=\"toc-level-3\">6.4.9 HCL Technologies Limited<\/li>\n<li class=\"toc-level-3\">6.4.10 Capgemini SE<\/li>\n<li class=\"toc-level-3\">6.4.11 SAP SE<\/li>\n<li class=\"toc-level-3\">6.4.12 Unisys Corporation<\/li>\n<li class=\"toc-level-3\">6.4.13 Jack Henry and Associates, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.14 Mambu B.V.<\/li>\n<li class=\"toc-level-3\">6.4.15 nCino, Inc.<\/li>\n<li class=\"toc-level-3\">6.4.16 Backbase B.V.<\/li>\n<li class=\"toc-level-3\">6.4.17 Avaloq Group AG<\/li>\n<li class=\"toc-level-3\">6.4.18 Thought Machine Group Limited<\/li>\n<li class=\"toc-level-3\">6.4.19 Intellect Design Arena Limited<\/li>\n<li class=\"toc-level-3\">6.4.20 SilverLake Axis Ltd.<\/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>\ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5 \uac1c\uc694: \uc131\uc7a5 \ub3d9\ud5a5 \ubc0f 2031\ub144 \uc804\ub9dd<\/p>\n<p>Mordor Intelligence \ubcf4\uace0\uc11c\uc5d0 \ub530\ub974\uba74, \uae00\ub85c\ubc8c \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 \ub514\uc9c0\ud138 \uc804\ud658 \uac00\uc18d\ud654\uc640 \ud568\uaed8 \uc0c1\ub2f9\ud55c \uc131\uc7a5\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR) 9.12%\ub97c \uae30\ub85d\ud558\uba70, 2026\ub144 187.6\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2031\ub144\uc5d0\ub294 290.1\uc5b5 \ub2ec\ub7ec \uaddc\ubaa8\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uc8fc\ub85c \ud604\ub300\uc801\uc774\uace0 API \uae30\ubc18\uc758 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \uc740\ud589 \uacbd\uc601\uc9c4\uc758 \uc778\uc2dd \ubcc0\ud654, \uba54\uc778\ud504\ub808\uc784 \uc9c0\uc6d0 \uc885\ub8cc \uc784\ubc15, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \ub450 \uc790\ub9bf\uc218 \uc131\uc7a5, \ubd81\ubbf8\uc758 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc758\ubb34\ud654, \uadf8\ub9ac\uace0 \uc804 \uc138\uacc4\uc801\uc778 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\uc758 \ud074\ub77c\uc6b0\ub4dc \uc804\ud658 \uc778\uc13c\ud2f0\ube0c\uc5d0 \uc758\ud574 \uc8fc\ub3c4\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 COBOL-Java \uc804\ud658 \uc778\ub825 \ubd80\uc871, \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uc81c, \ubca4\ub354 \uc885\uc18d\uc131 \uc6b0\ub824 \ub4f1\uc740 \uc2dc\uc7a5 \uc131\uc7a5\uc5d0 \uc81c\uc57d \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>1. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd<\/p>\n<p>\ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 2025\ub144 171.9\uc5b5 \ub2ec\ub7ec\uc5d0\uc11c 2026\ub144 187.6\uc5b5 \ub2ec\ub7ec\ub85c \uc131\uc7a5\ud588\uc73c\uba70, 2031\ub144\uc5d0\ub294 290.1\uc5b5 \ub2ec\ub7ec\uc5d0 \ub3c4\ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 9.12%\uc758 \uacac\uace0\ud55c \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960(CAGR)\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc2dc\uc7a5\uc73c\ub85c, \ubd81\ubbf8\ub294 \uac00\uc7a5 \ud070 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\uc73c\uba70, \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \uc911\uac04 \uc218\uc900\uc785\ub2c8\ub2e4.<\/p>\n<p>2. \uc8fc\uc694 \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30<\/p>\n<p>2.1. \uc131\uc7a5 \ub3d9\ub825 (Drivers)<\/p>\n<p>*   \uc624\ud508 API \uaddc\uc81c \ubc0f \ucf54\uc5b4 \ud604\ub300\ud654 \uac00\uc18d\ud654 (\uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591): \uc720\ub7fd\uc758 PSD2\uc640 \uc2f1\uac00\ud3ec\ub974, \ud638\uc8fc\uc758 \uc720\uc0ac \ud504\ub808\uc784\uc6cc\ud06c\uc640 \uac19\uc740 \uc624\ud508 \ubc45\ud0b9 \uc9c0\uce68\uc740 \uc9c0\uc5ed \uae08\uc735\uae30\uad00\uc758 80%\uac00 \ud45c\uc900\ud654\ub41c API\ub97c \ud1b5\ud574 \uc11c\ube44\uc2a4\ub97c \ub178\ucd9c\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uba70, \uc774\ub294 \ub808\uac70\uc2dc \ucf54\uc5b4 \uc2dc\uc2a4\ud15c\uc758 \ub178\ud6c4\ud654\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \uc0dd\ud0dc\uacc4 \uc218\uc775\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 API \uc6b0\uc120 \uad50\uccb4\ub97c \uc6b0\uc120\uc2dc\ud558\uace0 \uc788\uc73c\uba70, \ub370\uc774\ud130 \uacf5\uc720\uc640 \uad00\ub828\ub41c \uc0c8\ub85c\uc6b4 \ucc45\uc784 \uc704\ud5d8\uc744 \uc644\ud654\ud558\uae30 \uc704\ud55c \uac70\ubc84\ub10c\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c \uad6c\ucd95\uc5d0\ub3c4 \uc9d1\uc911\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ub3c4\uc785 (\ubd81\ubbf8): FedNow\uc758 \ucd9c\uc2dc\uc640 \uac70\ub798 \ud55c\ub3c4 \uc0c1\ud5a5\uc740 \ubbf8\uad6d \uc740\ud589\uc758 84%\uac00 3\ub144 \ub0b4 \uc989\uc2dc \uacb0\uc81c\ub7c9\uc774 23% \uc99d\uac00\ud560 \uac83\uc73c\ub85c \uc608\uce21\ud558\uac8c \ub9cc\ub4e4\uc5c8\uc73c\uba70, \uc774\ub294 ISO 20022 \uba54\uc2dc\uc9c0\ub97c 24\uc2dc\uac04 \uc5f0\uc911\ubb34\ud734 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \ucf54\uc5b4 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \ud22c\uc790\ub97c \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uad6c\uc131 \uc694\uc18c\ud654\ub41c \uc544\ud0a4\ud14d\ucc98\ub294 \ub354 \ube60\ub978 \uae30\ub2a5 \ucd9c\uc2dc\ub97c \uac00\ub2a5\ud558\uac8c \ud558\uc5ec \ud601\uc2e0 \uae30\uc5c5\ub4e4\uc774 \ubd80\uac00\uac00\uce58 \uacb0\uc81c \uc11c\ube44\uc2a4\ub85c \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n*   \ub124\uc624\ubc45\ud06c \ud655\uc0b0 \ubc0f SaaS \ucf54\uc5b4 \uc218\uc694 \uc99d\uac00 (\uc544\uc2dc\uc544, \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74): \ub514\uc9c0\ud138 \uc804\uc6a9 \uc740\ud589\ub4e4\uc740 \uc740\ud589 \uc11c\ube44\uc2a4 \uc774\uc6a9\ub960\uc774 \ub0ae\uc740 \uc9c0\uc5ed\uc5d0\uc11c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. SaaS \ucf54\uc5b4\ub294 \uc774\ub7ec\ud55c \uc2e0\uaddc \uc9c4\uc785\uc790\ub4e4\uc774 \ub9c9\ub300\ud55c \uc790\ubcf8 \uc9c0\ucd9c\uc744 \ud53c\ud560 \uc218 \uc788\uac8c \ud558\uba70, \ucd08\uae30 \ube44\uc6a9\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud6a8\uc728\uc131 \ud5a5\uc0c1\uc744 \uac00\uc838\uc635\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d\uc740 \uc2dc\uc2a4\ud15c\uc801 \uc704\ud5d8\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\uace0 \uc788\uc9c0\ub9cc, \ubca4\ub354\ub4e4\uc5d0\uac8c\ub294 \uc7a0\uc7ac \uace0\uac1d \uae30\ubc18\uc774 \uacc4\uc18d \ud655\ub300\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uba54\uc778\ud504\ub808\uc784 \uc9c0\uc6d0 \uc885\ub8cc \uc784\ubc15 (\uae00\ub85c\ubc8c): 2027\ub144\uc5d0\uc11c 2029\ub144 \uc0ac\uc774\uc5d0 \uc608\uc815\ub41c \uba54\uc778\ud504\ub808\uc784 \uc9c0\uc6d0 \uc885\ub8cc\uc640 COBOL \uc720\uc9c0\ubcf4\uc218 \ube44\uc6a9 \uc99d\uac00\ub294 \uae00\ub85c\ubc8c Tier-1 \uae08\uc735\uae30\uad00\ub4e4\uc774 \uc9c0\uae08\ubd80\ud130 \ud604\ub300\ud654 \ub85c\ub4dc\ub9f5\uc744 \uacc4\ud68d\ud558\ub3c4\ub85d \uac15\uc81c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. COBOL \uc804\ubb38\uac00 \ud480\uc758 \uac10\uc18c\ub294 \uc6b4\uc601 \uc704\ud5d8\uc744 \uc99d\uac00\uc2dc\ucf1c \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc758 \uc7ac\uc815\uc801 \ud0c0\ub2f9\uc131\uc744 \ub354\uc6b1 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\uc758 \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158 \uc778\uc13c\ud2f0\ube0c (\uae00\ub85c\ubc8c): AWS, Azure\uc640 \uac19\uc740 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\uc758 \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158 \uc778\uc13c\ud2f0\ube0c\ub294 \ud074\ub77c\uc6b0\ub4dc \ucf54\uc5b4\uc758 \ucd1d \uc18c\uc720 \ube44\uc6a9(TCO)\uc744 \ub0ae\ucd94\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc0e4\ub9ac\uc544 \uc900\uc218 \ubc45\ud0b9 \ud655\uc7a5 (\uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74): GCC(\uac78\ud504\ud611\ub825\ud68c\uc758) \uc9c0\uc5ed\uc5d0\uc11c \uc0e4\ub9ac\uc544 \uc900\uc218 \ubc45\ud0b9\uc758 \ud655\uc7a5\uc740 \uc804\uc6a9 \ucf54\uc5b4 \ubaa8\ub4c8\uc5d0 \ub300\ud55c \uc218\uc694\ub97c \uc99d\uac00\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. 2028\ub144\uae4c\uc9c0 \uc774\uc2ac\ub78c \uc790\uc0b0\uc774 7.5\uc870 \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub428\uc5d0 \ub530\ub77c, \uc740\ud589\ub4e4\uc740 \uc774 \uc2dc\uc7a5\uc744 \uacf5\ub7b5\ud558\uae30 \uc704\ud574 \uc0e4\ub9ac\uc544 \uc900\uc218 \ubaa8\ub4c8\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2.2. \uc81c\uc57d \uc694\uc778 (Restraints)<\/p>\n<p>*   \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569\uc758 \ubcf5\uc7a1\uc131 (\ubbf8\uad6d \uc9c0\uc5ed \uc740\ud589): \ubbf8\uad6d \uc911\uc18c\ud615 \uae08\uc735\uae30\uad00\uc758 \ub300\ub2e4\uc218\ub294 \uae30\uc874 \uacf5\uae09\uc5c5\uccb4\uc5d0 \ubb36\uc5ec \uc788\uc73c\uba70, \ub0ae\uc740 \ub9cc\uc871\ub3c4\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub192\uc740 \ud1b5\ud569 \uc704\ud5d8 \ub54c\ubb38\uc5d0 \ud604\ub300\ud654\ub97c \uc9c0\uc5f0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ub178\ud6c4\ud654\ub41c \uc2dc\uc2a4\ud15c\uc774 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0 \uc81c\ud488 \ubbfc\ucca9\uc131\uc744 \uc81c\ud55c\ud558\uc5ec \uae30\ud68c\ube44\uc6a9\uc744 \ubc1c\uc0dd\uc2dc\ud0b5\ub2c8\ub2e4.<br \/>\n*   COBOL-Java \uc804\ud658 \uae30\uc220 \uc778\ub825 \ubd80\uc871 (\uae00\ub85c\ubc8c): \uc219\ub828\ub41c \ud504\ub85c\uadf8\ub798\uba38\ub4e4\uc758 \uc740\ud1f4\ub294 \ubcd1\ubaa9 \ud604\uc0c1\uc744 \ucd08\ub798\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc5ec\uc804\ud788 43%\uc758 \uae30\uc5c5\uc774 COBOL \ucf54\ub4dc\ubca0\uc774\uc2a4\uc5d0\uc11c \ud575\uc2ec \uc6cc\ud06c\ub85c\ub4dc\ub97c \uc2e4\ud589\ud558\uace0 \uc788\uc73c\uba70, \uc740\ud589\ub4e4\uc740 \ubd80\uc871\ud55c \uc778\ub825\uc744 \ud655\ubcf4\ud558\uac70\ub098 \uc11c\ube44\uc2a4 \ud30c\ud2b8\ub108\uc5d0 \uc758\uc874\ud574\uc57c \ud558\ubbc0\ub85c \ud504\ub85c\uc81d\ud2b8 \uc77c\uc815\uacfc \uc608\uc0b0\uc774 \ub298\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uc81c (\uc544\ud504\ub9ac\uce74): \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc758 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uc815\uc740 \ud37c\ube14\ub9ad \ud074\ub77c\uc6b0\ub4dc \ub3c4\uc785\uc744 \ub2a6\ucd94\uace0 \uc788\uc73c\uba70, \uc774\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \ubc30\ud3ec \ubaa8\ub378\uc744 \ud544\uc694\ub85c \ud569\ub2c8\ub2e4.<br \/>\n*   \ub3c5\uc810 \uc544\ud0a4\ud14d\ucc98\ub85c \uc778\ud55c \ubca4\ub354 \uc885\uc18d \uc6b0\ub824 (\uae00\ub85c\ubc8c): \ub3c5\uc810\uc801\uc778 \uc544\ud0a4\ud14d\ucc98\ub294 \ubca4\ub354 \uc885\uc18d\uc131 \ubb38\uc81c\ub97c \uc57c\uae30\ud558\uba70, \uc7a5\uae30\uc801\uc778 \uc720\uc5f0\uc131\uc5d0 \ub300\ud55c \uc6b0\ub824\ub97c \ub192\uc785\ub2c8\ub2e4.<\/p>\n<p>3. \uc138\uadf8\uba3c\ud2b8\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \uad6c\uc131 \uc694\uc18c\ubcc4 (By Component): 2025\ub144 \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc5d0\uc11c \uc194\ub8e8\uc158\uc774 63.45%\uc758 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud588\uc9c0\ub9cc, \uc11c\ube44\uc2a4 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 12.12%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \ubcf5\uc7a1\ud55c \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc744 \uc704\ud55c \uad6c\ud604 \uc804\ubb38\uc131\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\uc640 \uc778\ub825 \ubd80\uc871\uc73c\ub85c \uc778\ud55c \uad00\ub9ac\ud615 \uc11c\ube44\uc2a4(Managed Services) \ucc44\ud0dd \uc99d\uac00\uc5d0 \uae30\uc778\ud569\ub2c8\ub2e4. \uc18c\ud504\ud2b8\uc6e8\uc5b4 \ubca4\ub354\ub4e4\uc740 \ubc30\ud3ec \uc8fc\uae30\ub97c \ub2e8\ucd95\ud558\uae30 \uc704\ud574 \ub85c\uc6b0\ucf54\ub4dc \ub3c4\uad6c\uc640 \uad6c\uc131 \uac00\ub2a5\ud55c \uad6c\uc131 \uc694\uc18c\ub97c \ub0b4\uc7a5\ud558\uace0 \uc788\uc5b4 \uc194\ub8e8\uc158 \uc218\uc694\ub3c4 \uafb8\uc900\ud788 \uc720\uc9c0\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ubc30\ud3ec \ubaa8\ub4dc\ubcc4 (By Deployment Mode): 2025\ub144\uc5d0\ub294 \ubbf8\uc158 \ud06c\ub9ac\ud2f0\uceec \uc6cc\ud06c\ub85c\ub4dc\uc640 \uaddc\uc81c \uac10\ub3c5\uc73c\ub85c \uc778\ud574 \uc628\ud504\ub808\ubbf8\uc2a4 \ubc30\ud3ec\uac00 70.20%\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\ub294 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 16.7%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc774\ub294 \uc758\uc0ac \uacb0\uc815\uc790\ub4e4\uc774 \ud0c4\ub825\uc131\uacfc \ube60\ub978 \uae30\ub2a5 \uc81c\uacf5\uc744 \uc804\ub7b5\uc801\uc73c\ub85c \uc911\uc694\ud558\uac8c \uc5ec\uae30\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ub300\uaddc\ubaa8 \uae30\uad00\ub4e4\uc740 \ub370\uc774\ud130 \uc0c1\uc8fc \ubc0f \ubca4\ub354 \uc885\uc18d \uc704\ud5d8\uc758 \uade0\ud615\uc744 \ub9de\ucd94\uae30 \uc704\ud574 \uba40\ud2f0 \ud074\ub77c\uc6b0\ub4dc \ub610\ub294 \ud558\uc774\ube0c\ub9ac\ub4dc \uc804\ub7b5\uc744 \ucd94\uad6c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc194\ub8e8\uc158 \uc720\ud615\ubcc4 (By Solution Type): 2025\ub144\uc5d0\ub294 \ub192\uc740 \uc18c\ube44\uc790 \uac70\ub798\ub7c9\uc73c\ub85c \uc778\ud574 \ub9ac\ud14c\uc77c \ubc45\ud0b9 \ucf54\uc5b4\uac00 45.30%\uc758 \ub9e4\ucd9c \uc810\uc720\uc728\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uae30\uc5c5\/\uc0c1\uc5c5 \ubc45\ud0b9 \ucf54\uc5b4 \ubd80\ubb38\uc740 2031\ub144\uae4c\uc9c0 12.05%\uc758 CAGR\ub85c \uc131\uc7a5\ud558\uba70 \uc815\uad50\ud55c \uc7ac\ubb34 \ubc0f \ubb34\uc5ed \uae08\uc735 \uae30\ub2a5\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc0c1\uc5c5 \uace0\uac1d\ub4e4\uc740 \uc2e4\uc2dc\uac04 \ud604\uae08 \ud750\ub984 \ubd84\uc11d, \uad6c\uc131 \uac00\ub2a5\ud55c \ub300\ucd9c \uc0c1\ud488, \uc6d0\ud65c\ud55c \uad6d\uacbd \uac04 \uc11c\ube44\uc2a4\ub97c \uae30\ub300\ud558\uba70, \uc774\ub294 \uc740\ud589\ub4e4\uc774 \ub9ac\ud14c\uc77c \uc5c5\uadf8\ub808\uc774\ub4dc\ubcf4\ub2e4 \uae30\uc5c5 \ucf54\uc5b4 \ud604\ub300\ud654\ub97c \uc6b0\uc120\uc2dc\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4 (By End-User): 2025\ub144\uc5d0\ub294 \uc740\ud589\uc774 \ucf54\uc5b4 \ubc45\ud0b9 \ubc30\ud3ec\uc758 73.20%\ub97c \ucc28\uc9c0\ud588\uc9c0\ub9cc, \ud540\ud14c\ud06c, \uacb0\uc81c \ucc98\ub9ac\uc5c5\uccb4 \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc81c\uacf5\uc5c5\uccb4\ub294 2031\ub144\uae4c\uc9c0 14.78%\uc758 CAGR\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub4e4 \uae30\uc5c5\uc740 \uc740\ud589 \uc778\uac00 \uc5c6\uc774\ub3c4 \uac15\ub825\ud55c \ucf54\uc5b4 \uae30\ub2a5\uc744 \ud544\uc694\ub85c \ud558\uba70, \ube60\ub978 \uc2dc\uc7a5 \uc9c4\uc785\uc744 \uc704\ud574 \ubaa8\ub4c8\ud615 SaaS \uc194\ub8e8\uc158\uc744 \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>4. \uc9c0\uc5ed\ubcc4 \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8: \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5 \ub9e4\ucd9c\uc758 31.70%\ub97c \ucc28\uc9c0\ud558\uba70, \uc9c0\uc5ed \ubc0f \ucee4\ubba4\ub2c8\ud2f0 \uc740\ud589\ub4e4\uc758 \uc2dc\uae09\ud55c \ub808\uac70\uc2dc \ud604\ub300\ud654 \ud504\ub85c\uadf8\ub7a8\uc774 \uc2dc\uc7a5\uc744 \uacac\uc778\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. FedNow\uc758 \uc989\uc2dc \uacb0\uc81c \ucd94\uc9c4\uacfc \uc9c0\uc18d\uc801\uc778 \uc11c\ube44\uc2a4 \uac00\uc6a9\uc131\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uae30\ub300\ub294 \uc5c5\uadf8\ub808\uc774\ub4dc \uc8fc\uae30\ub97c \ub2e8\ucd95\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591: 2031\ub144\uae4c\uc9c0 13.02%\uc758 CAGR\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc9c0\uc5ed\uc73c\ub85c, \ube60\ub978 \ub514\uc9c0\ud138\ud654, \uae08\uc735 \ud3ec\uc6a9 \uc774\ub2c8\uc154\ud2f0\ube0c, \uc624\ud508 \ubc45\ud0b9\uc5d0 \ub300\ud55c \uaddc\uc81c \uc9c0\uc6d0\uc774 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed \uc740\ud589\ub4e4\uc740 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ucf54\uc5b4\ub97c \uc0ac\uc6a9\ud558\uc5ec \uc11c\ube44\uc2a4 \uc18c\uc678 \uacc4\uce35\uc73c\ub85c \ud655\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uae00\ub85c\ubc8c \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\ub4e4\uc740 \uc8fc\uad8c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\uae30 \uc704\ud574 \ud604\uc9c0 \ub370\uc774\ud130 \uc13c\ud130\ub97c \uad6c\ucd95\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74: \ub514\uc9c0\ud138 \uc740\ud589 \ucd9c\uc2dc \uac00\uc18d\ud654\uc640 \uc774\uc2ac\ub78c \uae08\uc735 \ucc44\ud0dd \uc99d\uac00\ub97c \uacbd\ud5d8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 2028\ub144\uae4c\uc9c0 7.5\uc870 \ub2ec\ub7ec\ub85c \uc608\uc0c1\ub418\ub294 \uc774\uc2ac\ub78c \uc790\uc0b0\uc744 \ud65c\uc6a9\ud558\uae30 \uc704\ud574 \uc0e4\ub9ac\uc544 \uc900\uc218 \ubaa8\ub4c8\uc5d0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\ud504\ub9ac\uce74 \uae30\uad00\ub4e4\uc740 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \uc0c1\uc8fc \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc900\uc218\ud558\uae30 \uc704\ud574 \ud558\uc774\ube0c\ub9ac\ub4dc \ubc30\ud3ec \ubaa8\ub378\uc744 \uc0ac\uc6a9\ud558\uba70, \ud604\uc9c0 \uaddc\uc81c \uc778\ud504\ub77c\uac00 \uc131\uc219\ud568\uc5d0 \ub530\ub77c \uc810\uc9c4\uc801\uc73c\ub85c \uc644\uc804\ud55c \ud074\ub77c\uc6b0\ub4dc \uc804\ud658\uc744 \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>5. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 \uc911\uac04 \uc815\ub3c4\uc758 \uc9d1\uc911\ub3c4\ub97c \ubcf4\uc785\ub2c8\ub2e4. Temenos, Fiserv, FIS, Finastra\uc640 \uac19\uc740 \uae30\uc874 \ubca4\ub354\ub4e4\uc740 \uc2ec\uce35\uc801\uc778 \uc81c\ud488\uad70\uacfc \uad11\ubc94\uc704\ud55c \uc11c\ube44\uc2a4 \uc0dd\ud0dc\uacc4\ub97c \uc720\uc9c0\ud558\uba70, \uc810\uc9c4\uc801\uc778 \uad6c\uc131 \uc694\uc18c\ud654\ub97c \ud1b5\ud574 \uace0\uac1d\uc774 \uc804\uba74\uc801\uc778 \uad50\uccb4 \uc5c6\uc774 \ud604\ub300\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. FIS\ub294 \ubaa8\ub4c8\ud615 \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc744 \uc800\uc704\ud5d8, \uc800\ube44\uc6a9 \uacbd\ub85c\ub85c \uc81c\uc548\ud569\ub2c8\ub2e4. Thought Machine, Mambu \ub4f1 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \ucc4c\ub9b0\uc800\ub4e4\uc740 \ub9c8\uc774\ud06c\ub85c\uc11c\ube44\uc2a4 \uc544\ud0a4\ud14d\ucc98\uc640 \ube60\ub978 \uc5c5\ub370\uc774\ud2b8 \uc8fc\uae30\ub97c \ud1b5\ud574 \ucc28\ubcc4\ud654\ud558\uba70, \uc2e0\uaddc \ub124\uc624\ubc45\ud06c \ubc30\ud3ec \ubc0f \ud2b9\uc815 \uc81c\ud488 \ub77c\uc778\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc120\ud0dd\uc801 \ube0c\ub77c\uc6b4\ud544\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc5d0\uc11c \uc131\uacf5\uc744 \uac70\ub450\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc2ac\ub78c \ubc45\ud0b9 \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735\uacfc \uac19\uc740 \uc804\ubb38 \ubd84\uc57c\uc5d0\uc11c\ub294 \uc0c8\ub85c\uc6b4 \uae30\ud68c\uac00 \ub098\ud0c0\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. Tuum\uc758 \uc774\uc2ac\ub78c \uc2a4\uc704\ud2b8(Islamic suite)\uc758 \ube60\ub978 \ud655\uc7a5\uc740 \uc9d1\uc911\ub41c \uae30\ub2a5\uc774 \uace0\uc131\uc7a5 \ud2c8\uc0c8\uc2dc\uc7a5\uc744 \uc5b4\ub5bb\uac8c \uac1c\ucc99\ud560 \uc218 \uc788\ub294\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \ubca4\ub354 \uc804\ub7b5\uc740 \uc810\uc810 \ub354 \ud50c\ub7ab\ud3fc \uac1c\ubc29\uc131\uc744 \uc911\uc2ec\uc73c\ub85c \uc804\uac1c\ub418\uace0 \uc788\uc73c\uba70, API \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4\uc640 \uc0ac\uc804 \ud1b5\ud569\ub41c \ud540\ud14c\ud06c \ucee4\ub125\ud130\ub294 \ub300\uaddc\ubaa8 RFP(\uc81c\uc548 \uc694\uccad\uc11c)\uc758 \ud544\uc218 \uc694\uc18c\uac00 \ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2025\ub144\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784\uc740 \ud1b5\ud569 \ubc0f \ud30c\ud2b8\ub108\uc2ed \ud14c\ub9c8\ub97c \ub354\uc6b1 \uac15\uc870\ud569\ub2c8\ub2e4. Global Payments\uc758 Worldpay 227\uc5b5 \ub2ec\ub7ec \uc778\uc218 \uacc4\ud68d\uc740 \ucc98\ub9ac \uaddc\ubaa8\uc640 \uad50\ucc28 \ud310\ub9e4 \uc5ed\ub7c9\uc744 \ud655\uc7a5\ud558\uba70, Finastra\uc640 i2c\uc758 \uc81c\ud734\ub294 \uc911\uacac \uc740\ud589\uc744 \uc704\ud55c \uce74\ub4dc \ubc1c\uae09 \uc5ed\ub7c9\uc744 \uc2ec\ud654\ud569\ub2c8\ub2e4. nCino\uc758 Sandbox Banking \uc778\uc218\ub294 \ud1b5\ud569 \ub3c4\uad6c\ub97c \uac15\ud654\ud558\uc5ec \uace0\uac1d\uc758 \uac00\uce58 \uc2e4\ud604 \uc2dc\uac04\uc744 \ub2e8\ucd95\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc6c0\uc9c1\uc784\uc740 \uc5d4\ub4dc\ud22c\uc5d4\ub4dc \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc758 \ud3ed\uc744 \ub113\ud788\ub824\ub294 \ub178\ub825\uc744 \ubcf4\uc5ec\uc8fc\uba70, \uacf5\uae09\uc5c5\uccb4\ub4e4\uc774 \uc778\uc811\ud55c \ubc45\ud0b9 \uae30\ub2a5 \uc804\ubc18\uc5d0\uc11c \ubc18\ubcf5\uc801\uc778 \uc218\uc775\uc744 \ud655\ubcf4\ud560 \uc218 \uc788\ub3c4\ub85d \ud3ec\uc9c0\uc154\ub2dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc0b0\uc5c5 \ub9ac\ub354: Oracle Corporation, Unisys Corporation, Capgemini SE, SAP SE, IBM Corporation \ub4f1\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5:<br \/>\n*   2025\ub144 4\uc6d4: Global Payments Inc.\ub294 Worldpay\ub97c 227\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\ub294 \uacc4\uc57d\uc744 \ubc1c\ud45c\ud558\uc5ec, 600\ub9cc \uba85 \uc774\uc0c1\uc758 \uace0\uac1d\uc5d0\uac8c \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uace0 \uc5f0\uac04 \uc57d 3.7\uc870 \ub2ec\ub7ec\uc758 \uacb0\uc81c\ub7c9\uc744 \ucc98\ub9ac\ud558\ub294 \ud1b5\ud569 \ubc95\uc778\uc744 \uc124\ub9bd\ud560 \uc608\uc815\uc785\ub2c8\ub2e4.<br \/>\n*   2025\ub144 3\uc6d4: Finastra\uc640 i2c Inc.\ub294 \ubd81\ubbf8 \uc740\ud589 \ubc0f \uc2e0\uc6a9 \uc870\ud569\uc5d0 \uacb0\uc81c \ubc1c\uae09 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uae30 \uc704\ud55c \uc804\ub7b5\uc801 \ud30c\ud2b8\ub108\uc2ed\uc744 \ubc1c\ud45c\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 Finastra\uc758 Phoenix \ucf54\uc5b4 \uc194\ub8e8\uc158\uacfc\uc758 API \uc5f0\uacb0\uc744 \ud1b5\ud574 \ub514\uc9c0\ud138 \uc9c0\uac11 \uc9c0\uc6d0 \ubc0f \ud5a5\uc0c1\ub41c \uce74\ub4dc \uc18c\uc9c0\uc790 \uc81c\uc5b4\uc640 \uac19\uc740 \uae30\ub2a5\uc744 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<br \/>\n*   2025\ub144 2\uc6d4: nCino\ub294 Sandbox Banking\uc744 5250\ub9cc \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud558\uc5ec iPaaS(Integration Platform as a Service)\ub97c \ud1b5\ud574 \uc740\ud589 \ubc0f \uc2e0\uc6a9 \uc870\ud569\uc758 \ub370\uc774\ud130 \uc5f0\uacb0\uc131\uc744 \uac15\ud654\ud558\uace0 \uc6b4\uc601\uc744 \uac04\uc18c\ud654\ud558\uc5ec \uae08\uc735\uae30\uad00\uc774 \ud1b5\ud569 \uacfc\uc81c\ub97c \uadf9\ubcf5\ud558\uace0 \ud504\ub85c\uc81d\ud2b8 \uc77c\uc815\uc744 \ub2e8\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n*   2025\ub144 2\uc6d4: Treasury Prime\uc740 KeyBank\uc640 \uc740\ud589 \ub124\ud2b8\uc6cc\ud06c\ub97c \ud655\uc7a5\ud558\uc5ec \ud655\uc7a5 \uac00\ub2a5\ud55c \ud540\ud14c\ud06c \ud504\ub85c\uadf8\ub7a8\uc744 \uc704\ud55c \uc2e0\ub8b0\ud560 \uc218 \uc788\ub294 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \ud540\ud14c\ud06c\ub97c \uc704\ud55c \uc784\ubca0\ub514\ub4dc \ubc45\ud0b9 \uc194\ub8e8\uc158\uc744 \uac15\ud654\ud558\uace0, KeyBank\uc758 \uac00\uc0c1 \uacc4\uc815 \uad00\ub9ac \uc194\ub8e8\uc158\uc744 \ud65c\uc6a9\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc2dc\uc7a5 \ub3d9\ud5a5\uacfc \uacbd\uc7c1 \ud658\uacbd\uc740 \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc774 \uc9c0\uc18d\uc801\uc778 \ud601\uc2e0\uacfc \uc804\ub7b5\uc801 \ud30c\ud2b8\ub108\uc2ed\uc744 \ud1b5\ud574 \uc9c4\ud654\ud558\uace0 \uc788\uc74c\uc744 \uba85\ud655\ud788 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uc608\uae08, \uc778\ucd9c, \ub300\ucd9c, \uacc4\uc88c \uad00\ub9ac, \uacb0\uc81c \ub4f1 \ud575\uc2ec \uc740\ud589 \uc5c5\ubb34\ub97c \ud6a8\uc728\uc801\uc73c\ub85c \ucc98\ub9ac\ud558\ub294 \uae30\uc220 \ud50c\ub7ab\ud3fc\uc778 \uae00\ub85c\ubc8c \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc5f0\uad6c\ub294 \uc2dc\uc7a5 \uaddc\ubaa8, \uc131\uc7a5 \ub3d9\uc778, \uc81c\uc57d \uc694\uc778, \uacbd\uc7c1 \ud658\uacbd \ubc0f \ubbf8\ub798 \uc804\ub9dd\uc744 \ud3ec\uad04\uc801\uc73c\ub85c \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \ud604\ud669 \ubd84\uc11d\uc5d0 \ub530\ub974\uba74, \ucf54\uc5b4 \ubc45\ud0b9 \uc2dc\uc7a5\uc758 \uc8fc\uc694 \uc131\uc7a5 \ub3d9\uc778\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4. \uc720\ub7fd \ubc0f \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc758 \uc624\ud508 API \uaddc\uc81c \uac15\ud654\uac00 \ucf54\uc5b4 \uc2dc\uc2a4\ud15c \ud604\ub300\ud654\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc73c\uba70, \ubd81\ubbf8 \uc9c0\uc5ed\uc5d0\uc11c\ub294 ISO 20022 \ubc0f FedNow\uc640 \uac19\uc740 \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c \ub3c4\uc785\uc774 \ub9c8\uc774\ud06c\ub85c\uc11c\ube44\uc2a4 \ucc44\ud0dd\uc744 \ucd09\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c, \uc2e0\ud765 \uc544\uc2dc\uc544 \ubc0f \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc9c0\uc5ed\uc758 \ub124\uc624\ubc45\ud06c \ud655\uc0b0\uc740 SaaS \uae30\ubc18 \ucf54\uc5b4 \uc194\ub8e8\uc158 \uc218\uc694\ub97c \uacac\uc778\ud558\uace0 \uc788\uc73c\uba70, 2027-2029\ub144\uc73c\ub85c \uc608\uc815\ub41c \uba54\uc778\ud504\ub808\uc784 \uc9c0\uc6d0 \uc885\ub8cc\ub294 Tier-1 \uc740\ud589\ub4e4\uc758 \ucf54\uc5b4 \uc2dc\uc2a4\ud15c \uad50\uccb4\ub97c \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. AWS, Azure \ub4f1 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec\uc758 \ud074\ub77c\uc6b0\ub4dc \ub9c8\uc774\uadf8\ub808\uc774\uc158 \uc778\uc13c\ud2f0\ube0c\ub294 \ud074\ub77c\uc6b0\ub4dc \ucf54\uc5b4\uc758 \ucd1d \uc18c\uc720 \ube44\uc6a9(TCO)\uc744 \uc808\uac10\ud558\uba70 \ub3c4\uc785\uc744 \uc7a5\ub824\ud558\uace0, GCC \uc9c0\uc5ed\uc758 \uc0e4\ub9ac\uc544 \uc900\uc218 \ubc45\ud0b9 \ud655\uc7a5\uc740 \uc804\uc6a9 \ucf54\uc5b4 \ubaa8\ub4c8\uc758 \ud544\uc694\uc131\uc744 \uc99d\ub300\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubc18\uba74, \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778\uc73c\ub85c\ub294 \ubbf8\uad6d \uc9c0\uc5ed \uc740\ud589\uc758 \ubcf5\uc7a1\ud55c \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ud1b5\ud569 \ubb38\uc81c, COBOL-to-Java \uc7ac\ud50c\ub7ab\ud3fc \uae30\uc220 \uc778\ub825 \ubd80\uc871, \uc544\ud504\ub9ac\uce74 \uc9c0\uc5ed\uc758 \ub370\uc774\ud130 \uc0c1\uc8fc \uaddc\uc81c\ub85c \uc778\ud55c \ud37c\ube14\ub9ad \ud074\ub77c\uc6b0\ub4dc \ub3c4\uc785 \uc9c0\uc5f0, \uadf8\ub9ac\uace0 \ub3c5\uc810 \uc544\ud0a4\ud14d\ucc98\ub85c \uc778\ud55c \ubca4\ub354 \uc885\uc18d \uc6b0\ub824 \ub4f1\uc774 \uc9c0\uc801\ub429\ub2c8\ub2e4. \ubcf4\uace0\uc11c\ub294 \ub610\ud55c \uac00\uce58 \uc0ac\uc2ac \ubd84\uc11d, \uaddc\uc81c \uc804\ub9dd, \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778 \ubd84\uc11d \ubc0f \uac70\uc2dc \uacbd\uc81c \ub3d9\ud5a5 \ud3c9\uac00\ub97c \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc804\ub9dd \ubd80\ubb38\uc5d0\uc11c\ub294 \ub2e4\uc591\ud55c \uc138\ubd84\ud654 \uae30\uc900\uc5d0 \ub530\ub978 \ubd84\uc11d\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uad6c\uc131 \uc694\uc18c\ubcc4\ub85c\ub294 \uc194\ub8e8\uc158\uacfc \uc11c\ube44\uc2a4\ub85c \ub098\ub258\uba70, \ubcf5\uc7a1\ud55c \ub9c8\uc774\uadf8\ub808\uc774\uc158 \ubc0f \uc678\ubd80 \uc804\ubb38\uc131 \uc694\uad6c\ub85c \uc778\ud574 \uc11c\ube44\uc2a4 \ubd80\ubb38\uc774 \uc5f0\ud3c9\uade0 12.12%\uc758 \uc131\uc7a5\ub960\ub85c \uc194\ub8e8\uc158\ubcf4\ub2e4 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \ubc30\ud3ec \ubc29\uc2dd\ubcc4\ub85c\ub294 \uc628\ud504\ub808\ubbf8\uc2a4\uc640 \ud074\ub77c\uc6b0\ub4dc\ub85c \uad6c\ubd84\ub418\uba70, \uaddc\uc81c \uc900\uc218 \ud558\uc774\ud37c\uc2a4\ucf00\uc77c\ub7ec \uc9c0\uc5ed, \ub0ae\uc740 \ucd08\uae30 \ube44\uc6a9, \uc9c0\uc18d\uc801\uc778 \uae30\ub2a5 \uc81c\uacf5 \ud544\uc694\uc131\uc73c\ub85c \uc778\ud574 \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec\uac00 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 16.7%\uc758 \uae09\uaca9\ud55c \uc131\uc7a5\ub960\uc744 \ubcf4\uc77c \uac83\uc73c\ub85c \uc608\uce21\ub429\ub2c8\ub2e4. \uc194\ub8e8\uc158 \uc720\ud615\uc740 \ub9ac\ud14c\uc77c \ubc45\ud0b9 \ucf54\uc5b4, \uae30\uc5c5\/\uc0c1\uc5c5 \ubc45\ud0b9 \ucf54\uc5b4 \ub4f1\uc73c\ub85c \ubd84\ub958\ub418\uba70, \ucd5c\uc885 \uc0ac\uc6a9\uc790\ub294 \uc740\ud589, \ube44\uc740\ud589 \uae08\uc735 \uae30\uad00, \ud540\ud14c\ud06c \ubc0f \uacb0\uc81c \uae30\uad00 \ub4f1\uc73c\ub85c \uc138\ubd84\ud654\ub429\ub2c8\ub2e4. \ud2b9\ud788 \ud540\ud14c\ud06c \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud50c\ub808\uc774\uc5b4\ub294 SaaS \ucf54\uc5b4\ub97c \ucc44\ud0dd\ud558\uc5ec \uc5f0\ud3c9\uade0 14.78%\ub85c \uc131\uc7a5\ud558\uba70 \uacbd\uc7c1 \uc5ed\ud559\uc744 \uc7ac\ud3b8\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \ub0a8\ubbf8, \uc911\ub3d9, \uc544\ud504\ub9ac\uce74\ub85c \uad6c\ubd84\ub418\uba70, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 \ub514\uc9c0\ud138 \uc740\ud589 \ucd9c\uc2dc, \uae08\uc735 \ud3ec\uc6a9 \uc815\ucc45, \uc624\ud508 \ubc45\ud0b9 \uaddc\uc81c \uc9c0\uc6d0\uc5d0 \ud798\uc785\uc5b4 \uc5f0\ud3c9\uade0 13.02%\ub85c \uac00\uc7a5 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc9c8\ubb38\uc5d0 \ub300\ud55c \ub2f5\ubcc0\uc744 \ud1b5\ud574, \ubbf8\uad6d \uc9c0\uc5ed \uc740\ud589\uc758 \ud604\ub300\ud654\ub294 \ud1b5\ud569 \ubcf5\uc7a1\uc131, \ub808\uac70\uc2dc \ubca4\ub354 \uacc4\uc57d, COBOL-to-Java \uae30\uc220 \ubd80\uc871\uc73c\ub85c \uc778\ud574 \uc2dc\uc7a5 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc5d0\uc11c \uc57d 1.4%p\ub97c \uac10\uc18c\uc2dc\ud0a4\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\uc74c\uc774 \ubc1d\ud600\uc84c\uc2b5\ub2c8\ub2e4. \ub610\ud55c, Tuum \ubc0f Finastra\uc640 \uac19\uc740 \uacf5\uae09\uc5c5\uccb4\ub4e4\uc740 2028\ub144\uae4c\uc9c0 7.5\uc870 \ub2ec\ub7ec \uaddc\ubaa8\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 \uc774\uc2ac\ub78c \uae08\uc735 \uc2dc\uc7a5\uc744 \uc704\ud574 \uc0e4\ub9ac\uc544 \uc900\uc218 \uc804\uc6a9 \ubaa8\ub4c8\uc744 \ucd9c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc5d0\uc11c\ub294 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4, \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uba70, Fiserv, Temenos, FIS, Finastra, Infosys, IBM, Oracle, Tata Consultancy Services \ub4f1 20\uac1c \uc8fc\uc694 \uae30\uc5c5\uc758 \uc0c1\uc138 \ud504\ub85c\ud544\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4. \ub9c8\uc9c0\ub9c9\uc73c\ub85c, \ubcf4\uace0\uc11c\ub294 \ubbf8\uac1c\ucc99 \uc2dc\uc7a5 \ubc0f \ubbf8\ucda9\uc871 \uc218\uc694 \ud3c9\uac00\ub97c \ud1b5\ud574 \uc2dc\uc7a5 \uae30\ud68c\uc640 \ubbf8\ub798 \uc804\ub9dd\uc744 \uc81c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-51484","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\/51484"}],"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=51484"}],"version-history":[{"count":0,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/posts\/51484\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/media?parent=51484"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/categories?post=51484"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.globalresearch.co.kr\/insight\/wp-json\/wp\/v2\/tags?post=51484"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}