{"id":53388,"date":"2026-02-23T13:07:53","date_gmt":"2026-02-23T13:07:53","guid":{"rendered":"https:\/\/www.globalresearch.co.kr\/insight\/open-banking-market-mordor\/"},"modified":"2026-04-03T19:17:05","modified_gmt":"2026-04-03T10:17:05","slug":"open-banking-market-mordor","status":"publish","type":"post","link":"https:\/\/www.globalresearch.co.kr\/insight\/open-banking-market-mordor\/","title":{"rendered":"\uc138\uacc4\uc758 \uc624\ud508\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\/open-banking-market-1751610370338-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\/open-banking-market-size-image-1770641773305.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 \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 \ub3d9\uc778\n<ul>\n<li class=\"toc-level-3\">4.1.1 \uac15\ud654\ub41c PSD2 \ubc0f \uae00\ub85c\ubc8c \uaddc\uc81c \uc758\ubb34<\/li>\n<li class=\"toc-level-3\">4.1.2 \uc2e4\uc2dc\uac04 A2A \uacb0\uc81c \ucc44\ud0dd \uae09\uc99d<\/li>\n<li class=\"toc-level-3\">4.1.3 \uac1c\uc778 \ub9de\ucda4\ud615 \ub370\uc774\ud130 \uae30\ubc18 \ubc45\ud0b9 \uc218\uc694<\/li>\n<li class=\"toc-level-3\">4.1.4 \ube44\uc740\ud589 \ud50c\ub7ab\ud3fc\uc758 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc720\uc778<\/li>\n<li class=\"toc-level-3\">4.1.5 \uad50\ucc28 \uc720\ud2f8\ub9ac\ud2f0 \uac1c\ubc29\ud615 \ub370\uc774\ud130 \uc735\ud569 (\uc5d0\ub108\uc9c0, \ud1b5\uc2e0)<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.2 \uc2dc\uc7a5 \uc81c\uc57d \uc694\uc778\n<ul>\n<li class=\"toc-level-3\">4.2.1 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \uc0ac\uc774\ubc84 \ubcf4\uc548 \ubb38\uc81c<\/li>\n<li class=\"toc-level-3\">4.2.2 \ud30c\ud3b8\ud654\ub41c API \ud45c\uc900\uc73c\ub85c \uc778\ud55c \ud1b5\ud569 \ube44\uc6a9 \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.3 \uc740\ud589 API \uc218\uc775\ud654 \uc218\uc218\ub8cc \uc99d\uac00<\/li>\n<li class=\"toc-level-3\">4.2.4 \ub808\uac70\uc2dc \ucf54\uc5b4\uc758 \uac70\ub798 \uc9c0\uc5f0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">4.3 \uac00\uce58 \/ \uacf5\uae09\ub9dd \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">4.4 \uaddc\uc81c \ud658\uacbd<\/li>\n<li class=\"toc-level-2\">4.5 \uae30\uc220 \uc804\ub9dd<\/li>\n<li class=\"toc-level-2\">4.6 \ud3ec\ud130\uc758 5\uac00\uc9c0 \uacbd\uc7c1 \uc694\uc778\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\uc758 \uad50\uc12d\ub825<\/li>\n<li class=\"toc-level-3\">4.6.3 \uacf5\uae09\uc790\uc758 \uad50\uc12d\ub825<\/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<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-4\">5. \uc2dc\uc7a5 \uaddc\ubaa8 \ubc0f \uc131\uc7a5 \uc608\uce21<\/p>\n<ul>\n<li class=\"toc-level-2\">5.1 \uacc4\uc815 \uc815\ubcf4 \uc11c\ube44\uc2a4\n<ul>\n<li class=\"toc-level-3\">5.1.1 \ub370\uc774\ud130 \uc9d1\uacc4 \ubc0f \uac15\ud654<\/li>\n<li class=\"toc-level-3\">5.1.2 \uc790\uae08 \ud655\uc778<\/li>\n<li class=\"toc-level-3\">5.1.3 \uae30\ud0c0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.2 \ucd5c\uc885 \uc0ac\uc6a9\uc790\ubcc4 (\uac00\uce58)\n<ul>\n<li class=\"toc-level-3\">5.2.1 \uc18c\ub9e4 \uae08\uc735 \uace0\uac1d<\/li>\n<li class=\"toc-level-3\">5.2.2 \uc911\uc18c\uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.2.3 \uae30\uc5c5 \ubc0f \uc0c1\uc5c5 \uae30\uc5c5<\/li>\n<li class=\"toc-level-3\">5.2.4 \uc81c3\uc790 \ud540\ud14c\ud06c \uac1c\ubc1c\uc790<\/li>\n<li class=\"toc-level-3\">5.2.5 \uae30\ud0c0<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.3 \uc720\ud1b5 \ucc44\ub110\ubcc4 (\uac00\uce58)\n<ul>\n<li class=\"toc-level-3\">5.3.1 \uc740\ud589 \ucc44\ub110<\/li>\n<li class=\"toc-level-3\">5.3.2 \uc571 \uae30\ubc18 \ud50c\ub7ab\ud3fc<\/li>\n<li class=\"toc-level-3\">5.3.3 API \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.4 \ubc30\ud3ec \ubaa8\ub378\ubcc4\n<ul>\n<li class=\"toc-level-3\">5.4.1 \ud074\ub77c\uc6b0\ub4dc<\/li>\n<li class=\"toc-level-3\">5.4.2 \uc628\ud504\ub808\ubbf8\uc2a4<\/li>\n<li class=\"toc-level-3\">5.4.3 \ud558\uc774\ube0c\ub9ac\ub4dc<\/li>\n<\/ul>\n<\/li>\n<li class=\"toc-level-2\">5.5 \uc9c0\uc5ed\ubcc4 (\uac00\uce58)\n<ul>\n<li class=\"toc-level-3\">5.5.1 \ubd81\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.1.1 \uce90\ub098\ub2e4<\/li>\n<li class=\"toc-level-4\">5.5.1.2 \ubbf8\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.1.3 \uba55\uc2dc\ucf54<\/li>\n<li class=\"toc-level-3\">5.5.2 \ub0a8\ubbf8<\/li>\n<li class=\"toc-level-4\">5.5.2.1 \ube0c\ub77c\uc9c8<\/li>\n<li class=\"toc-level-4\">5.5.2.2 \ud398\ub8e8<\/li>\n<li class=\"toc-level-4\">5.5.2.3 \uce60\ub808<\/li>\n<li class=\"toc-level-4\">5.5.2.4 \uc544\ub974\ud5e8\ud2f0\ub098<\/li>\n<li class=\"toc-level-4\">5.5.2.5 \ub0a8\ubbf8 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.3 \uc720\ub7fd<\/li>\n<li class=\"toc-level-4\">5.5.3.1 \uc601\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.3.2 \ub3c5\uc77c<\/li>\n<li class=\"toc-level-4\">5.5.3.3 \ud504\ub791\uc2a4<\/li>\n<li class=\"toc-level-4\">5.5.3.4 \uc2a4\ud398\uc778<\/li>\n<li class=\"toc-level-4\">5.5.3.5 \uc774\ud0c8\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.3.6 \ubca0\ub124\ub8e9\uc2a4 (\ubca8\uae30\uc5d0, \ub124\ub35c\ub780\ub4dc, \ub8e9\uc148\ubd80\ub974\ud06c)<\/li>\n<li class=\"toc-level-4\">5.5.3.7 \ubd81\uc720\ub7fd (\ub374\ub9c8\ud06c, \ud540\ub780\ub4dc, \uc544\uc774\uc2ac\ub780\ub4dc, \ub178\ub974\uc6e8\uc774, \uc2a4\uc6e8\ub374)<\/li>\n<li class=\"toc-level-4\">5.5.3.8 \uc720\ub7fd \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.4 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591<\/li>\n<li class=\"toc-level-4\">5.5.4.1 \uc778\ub3c4<\/li>\n<li class=\"toc-level-4\">5.5.4.2 \uc911\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.3 \uc77c\ubcf8<\/li>\n<li class=\"toc-level-4\">5.5.4.4 \ud638\uc8fc<\/li>\n<li class=\"toc-level-4\">5.5.4.5 \ub300\ud55c\ubbfc\uad6d<\/li>\n<li class=\"toc-level-4\">5.5.4.6 \ub3d9\ub0a8\uc544\uc2dc\uc544<\/li>\n<li class=\"toc-level-4\">5.5.4.7 \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<li class=\"toc-level-3\">5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74<\/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 \ub0a8\uc544\ud504\ub9ac\uce74<\/li>\n<li class=\"toc-level-4\">5.5.5.4 \ub098\uc774\uc9c0\ub9ac\uc544<\/li>\n<li class=\"toc-level-4\">5.5.5.5 \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74 \uae30\ud0c0 \uc9c0\uc5ed<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-5\">6. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<ul>\n<li class=\"toc-level-2\">6.1 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784<\/li>\n<li class=\"toc-level-2\">6.2 \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d<\/li>\n<li class=\"toc-level-2\">6.3 \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, \uc8fc\uc694 \uae30\uc5c5\uc758 \uc2dc\uc7a5 \uc21c\uc704\/\uc810\uc720\uc728, \uc81c\ud488 &amp; \uc11c\ube44\uc2a4, \ucd5c\uadfc \uac1c\ubc1c \ud3ec\ud568)\n<ul>\n<li class=\"toc-level-3\">6.3.1 Tink AB<\/li>\n<li class=\"toc-level-3\">6.3.2 Plaid Inc.<\/li>\n<li class=\"toc-level-3\">6.3.3 TrueLayer Ltd.<\/li>\n<li class=\"toc-level-3\">6.3.4 Trustly Group AB<\/li>\n<li class=\"toc-level-3\">6.3.5 Yapily Ltd.<\/li>\n<li class=\"toc-level-3\">6.3.6 Finicity (Mastercard)<\/li>\n<li class=\"toc-level-3\">6.3.7 MX Technologies Inc.<\/li>\n<li class=\"toc-level-3\">6.3.8 Figo GmbH<\/li>\n<li class=\"toc-level-3\">6.3.9 Bud Financial Ltd.<\/li>\n<li class=\"toc-level-3\">6.3.10 Token.io<\/li>\n<li class=\"toc-level-3\">6.3.11 Volt.io<\/li>\n<li class=\"toc-level-3\">6.3.12 Frollo<\/li>\n<li class=\"toc-level-3\">6.3.13 Belvo<\/li>\n<li class=\"toc-level-3\">6.3.14 Brankas<\/li>\n<li class=\"toc-level-3\">6.3.15 Salt Edge Inc.<\/li>\n<li class=\"toc-level-3\">6.3.16 Banco Bilbao Vizcaya Argentaria<\/li>\n<li class=\"toc-level-3\">6.3.17 Revolut Ltd.<\/li>\n<li class=\"toc-level-3\">6.3.18 Citi<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p class=\"toc-level-1 toc-content-heading\" id=\"toc-content-heading-6\">7. \uc2dc\uc7a5 \uae30\ud68c &amp; \ubbf8\ub798 \uc804\ub9dd<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uaddc\ubaa8, \ub3d9\ud5a5 \ubc0f \uacbd\uc7c1 \ud658\uacbd (2031\ub144 \uc804\ub9dd)<\/p>\n<p># 1. \uc2dc\uc7a5 \uac1c\uc694 \ubc0f \uc8fc\uc694 \uc9c0\ud45c<\/p>\n<p>\uae00\ub85c\ubc8c \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 2026\ub144\ubd80\ud130 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 14.95%\uc758 \ub192\uc740 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 \uae09\uaca9\ud788 \ud655\uc7a5\ub420 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. 2025\ub144 259\uc5b5 1\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2026\ub144 297\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec, \uadf8\ub9ac\uace0 2031\ub144\uc5d0\ub294 598\uc5b5 1\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc131\uc7a5\uc740 \uc720\ub7fd\uacfc \ubbf8\uad6d\uc758 \uaddc\uc81c \uc758\ubb34 \uac15\ud654, \ub370\uc774\ud130 \uae30\ubc18 \uae08\uc735 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc218\uc694 \uc99d\uac00, \uadf8\ub9ac\uace0 API(Application Programming Interface) \ucc44\ud0dd\uc758 \uac00\uc18d\ud654\uc5d0 \ud798\uc785\uc740 \ubc14\uac00 \ud07d\ub2c8\ub2e4.<\/p>\n<p>\ud604\uc7ac \uc2dc\uc7a5\uc5d0\uc11c \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\ub294 \uc11c\ube44\uc2a4\ub294 \uacb0\uc81c \uac1c\uc2dc(Payment Initiation)\uc774\uba70, \ub370\uc774\ud130 \ud1b5\ud569 \ubc0f \uac15\ud654(Data Aggregation &#038; Enrichment) \uc11c\ube44\uc2a4\ub294 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\uc138\ub97c \ubcf4\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8\uac00 \ud604\uc7ac \uac00\uc7a5 \ud070 \uc2dc\uc7a5\uc744 \ud615\uc131\ud558\uace0 \uc788\uc73c\ub098, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc774 \uac00\uc7a5 \ube60\ub978 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud558\uba70 \uc2e0\ud765 \uacbd\uc81c\uad6d\uc758 \ud3ec\uc6a9\uc801 \uae08\uc735 \ud655\ub300\ub97c \uc8fc\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub294 \ub0ae\uc740 \ud3b8\uc73c\ub85c, \ub2e4\uc591\ud55c \uc740\ud589, \ud540\ud14c\ud06c \uc804\ubb38 \uae30\uc5c5, \uae30\uc220 \ub124\ud2b8\uc6cc\ud06c \uac04\uc758 \uacbd\uc7c1\uc774 \ud65c\ubc1c\ud558\uba70, \uc774\ub4e4\uc740 API \uc131\ub2a5, \ub3d9\uc758 \uad00\ub9ac, \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud30c\ud2b8\ub108\uc2ed\uc5d0 \uc911\uc810\uc744 \ub450\uace0 \ud22c\uc790\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 2. \uc2dc\uc7a5 \ub3d9\ud5a5 \ubc0f \ud1b5\ucc30\ub825<\/p>\n<p> 2.1. \uc8fc\uc694 \uc131\uc7a5 \ub3d9\ub825<\/p>\n<p>*   PSD2 \ubc0f \uae00\ub85c\ubc8c \uaddc\uc81c \uc758\ubb34 \uac15\ud654: \uc720\ub7fd\uc758 PSD3 \uaddc\uc815\uc740 API \uad00\ub9ac\uc758 \uc804\ubb38\uc131\uc744 \ub192\uc5ec \ud1b5\ud569 \ud6a8\uc728\uc131\uc744 \uc99d\ub300\uc2dc\ud0a4\uace0 \ud540\ud14c\ud06c \uae30\uc5c5\uc758 \uc7a5\uae30\uc801\uc778 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uac83\uc785\ub2c8\ub2e4. \ubd81\ubbf8\uc758 CFPB \uc139\uc158 1033 \uaddc\uc815 \ub610\ud55c \uc740\ud589\uc774 \uc18c\ube44\uc790 \uc2b9\uc778 \ub370\uc774\ud130\ub97c \uc548\uc804\ud55c \uc778\ud130\ud398\uc774\uc2a4\ub97c \ud1b5\ud574 \uc81c\uacf5\ud558\ub3c4\ub85d \uc758\ubb34\ud654\ud558\uc5ec \uae00\ub85c\ubc8c \ud45c\uc900\ud654 \ucd94\uc138\uc5d0 \uae30\uc5ec\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uaddc\uc81c \ubcc0\ud654\ub294 \uc624\ud508 \ubc45\ud0b9 \uc0dd\ud0dc\uacc4\ub97c \ub354\uc6b1 \ud45c\uc900\ud654\ud558\uace0 \uc811\uadfc \uac00\ub2a5\ud558\uac8c \ub9cc\ub4e4 \uac83\uc785\ub2c8\ub2e4.<br \/>\n*   \uc2e4\uc2dc\uac04 \uacc4\uc88c \uac04(A2A) \uacb0\uc81c \ucc44\ud0dd \uae09\uc99d: 2023\ub144 \uc804 \uc138\uacc4 \uc989\uc2dc \uacb0\uc81c \uac70\ub798\ub7c9\uc740 2,662\uc5b5 1\ucc9c\ub9cc \uac74\uc5d0 \ub2ec\ud588\uc73c\uba70, 2028\ub144\uc5d0\ub294 \uc804\uccb4 \uc804\uc790 \uacb0\uc81c\uc758 25% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc720\ub7fd\uc758 \uc989\uc2dc \uacb0\uc81c \uaddc\uc815(2025\ub144 \uc2dc\ud589)\uc740 \uc720\ub85c\ud654 \uc2e4\uc2dc\uac04 \uc774\uccb4\ub97c \uc758\ubb34\ud654\ud558\uba70, Visa\uc758 Tink \uae30\ubc18 \uacb0\uc81c \uc778\ud504\ub77c \uad6c\ucd95 \ubc0f \uc601\uad6d \ubcc0\ub3d9 \ubc18\ubcf5 \uacb0\uc81c(VRP)\uc758 \ud655\uc7a5\uc740 \uc2e4\uc2dc\uac04 A2A \uacb0\uc81c\uac00 \uce74\ub4dc \uae30\ubc18 \uacb0\uc81c\uc758 \uc9c0\ubc30\ub825\uc744 \uc810\ucc28 \uc57d\ud654\uc2dc\ud0ac \uac83\uc784\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<br \/>\n*   \uac1c\uc778\ud654\ub41c \ub370\uc774\ud130 \uae30\ubc18 \ubc45\ud0b9 \uc218\uc694: \uc18c\ube44\uc790\uc758 73%\uac00 \uacc4\uc88c \ub370\uc774\ud130\ub97c \ud1b5\ud569\ud558\uc5ec \uac04\uc18c\ud654\ub41c \uad6c\ub3c5 \uad00\ub9ac\ub97c \uc120\ud638\ud558\uba70, 60%\ub294 \uc8fc\uac70\ub798 \uc740\ud589\uc774 \uc774\ub7ec\ud55c \ub3c4\uad6c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \uad00\ub9ac\ud560 \uac83\uc774\ub77c\uace0 \uc2e0\ub8b0\ud569\ub2c8\ub2e4. \uc740\ud589\ub4e4\uc740 \ud604\uae08 \ud750\ub984 \ubd84\uc11d, \uc678\ubd80 \ub370\uc774\ud130\uc14b(\uacf5\uacfc\uae08, \ud1b5\uc2e0\ube44, \uc18c\uc15c \ubbf8\ub514\uc5b4 \uc2e0\ud638 \ub4f1)\uc744 \ud65c\uc6a9\ud558\uc5ec \ub300\ucd9c \uc2ec\uc0ac \uc815\ud655\ub3c4\ub97c \ub192\uc774\uace0 \uac1c\uc778\ud654\ub41c \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uba70 \uacbd\uc7c1\ub825\uc744 \uac15\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ube44\uc740\ud589 \ud50c\ub7ab\ud3fc\uc758 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ub3c4\uc785: \uc804\uc790\uc0c1\uac70\ub798, \uc18c\ud504\ud2b8\uc6e8\uc5b4, \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \uc6b4\uc601\uc790\ub4e4\uc740 \ub300\ucd9c, \ub514\uc9c0\ud138 \uc9c0\uac11, \ubcf4\ud5d8 \ub4f1 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ud558\uc5ec \uc0ac\uc6a9\uc790 \ucc38\uc5ec\ub97c \ub192\uc774\uace0 \uac70\ub798\ub97c \uac04\uc18c\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed \uc740\ud589\ub4e4\uc740 2030\ub144\uae4c\uc9c0 \ub514\uc9c0\ud138 \uc778\uc811 \uc11c\ube44\uc2a4\uac00 \ucd1d\uc218\uc775\uc758 40.1% \uc774\uc0c1\uc744 \ucc3d\ucd9c\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud558\uba70, \uc778\ub3c4, \uc2f1\uac00\ud3ec\ub974, \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4\ub294 \ub370\uc774\ud130 \uacf5\uc720 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uba85\ud655\ud788 \ud558\uc5ec \uc774\ub7ec\ud55c \ubc1c\uc804\uc744 \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc778\ud504\ub77c\uc758 \ud655\uc7a5\uc131 \ubc0f \ubcf4\uc548 \uc774\uc810: \ud074\ub77c\uc6b0\ub4dc \uc194\ub8e8\uc158\uc740 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc758 \ud655\uc7a5\uacfc \ud568\uaed8 ISO 20022 \uc2e4\uc2dc\uac04 \uba54\uc2dc\uc9d5 \ud45c\uc900 \ubc0f AI \uae30\ubc18 \uc0ac\uae30 \ubd84\uc11d \ud1b5\ud569\uc5d0 \ud544\uc694\ud55c \ud5a5\uc0c1\ub41c \ucef4\ud4e8\ud305 \uc6a9\ub7c9\uc744 \uc81c\uacf5\ud558\uba70 \ud575\uc2ec\uc801\uc778 \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 2.2. \uc8fc\uc694 \uc81c\uc57d \uc694\uc778<\/p>\n<p>*   \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc6b0\ub824: API \ud45c\uba74\uc758 \ud655\uc7a5\uc740 \uc0ac\uc774\ubc84 \uacf5\uaca9\uc5d0 \ub300\ud55c \ucde8\uc57d\uc131\uc744 \uc99d\uac00\uc2dc\ud0a4\uace0 \uc788\uc73c\uba70, \ud5a5\ud6c4 \ubbf8\uad6d \uaddc\uc815\uc740 \ub370\uc774\ud130 \ubc1c\uc2e0 \uc740\ud589\uc5d0 \uce68\ud574 \ucc45\uc784\uc744 \uc804\uac00\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uc5b4 \uaddc\uc81c \uc900\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud560 \uac83\uc785\ub2c8\ub2e4. \uacf5\uc720 \ub370\uc774\ud130 \ubcf4\ud638\uc5d0 \ub300\ud55c \ub0ae\uc740 \uc18c\ube44\uc790 \uc2e0\ub8b0\ub294 \uc635\ud2b8\uc778(opt-in) \uc11c\ube44\uc2a4 \ucc44\ud0dd\uc744 \uc800\ud574\ud558\uace0, \uc548\uc804\ud55c API\uac00 \uc5c6\ub294 \uacbd\uc6b0 \uc2a4\ud06c\ub9b0 \uc2a4\ud06c\ub798\ud551\uc5d0 \ub300\ud55c \uc9c0\uc18d\uc801\uc778 \uc758\uc874\uc740 \ubcf4\uc548 \uc704\ud5d8\uacfc \uc6b4\uc601 \ube44\ud6a8\uc728\uc131\uc744 \uc57c\uae30\ud569\ub2c8\ub2e4.<br \/>\n*   \ud30c\ud3b8\ud654\ub41c API \ud45c\uc900\uc73c\ub85c \uc778\ud55c \ud1b5\ud569 \ube44\uc6a9 \uc99d\uac00: \uc720\ub7fd\uc5d0\ub294 5,000\uac1c \uc774\uc0c1\uc758 \uc0c1\uc774\ud55c \uc740\ud589 API\uac00 \uc874\uc7ac\ud558\uba70, \uc774\ub4e4 \uc911 \uc0c1\ub2f9\uc218\ub294 PSD2 \uc774\uc804\uc5d0 \uac1c\ubc1c\ub418\uc5b4 \ud45c\uc900\ud654\ub41c \uc131\ub2a5 \ubcf4\uc99d\uc774 \ubd80\uc871\ud569\ub2c8\ub2e4. \uc774\ub85c \uc778\ud574 \ud540\ud14c\ud06c \uae30\uc5c5\uc740 \uac01 \uc2dc\uc7a5\ubcc4\ub85c API \ucee4\ub125\ud130\ub97c \uac1c\ubcc4\uc801\uc73c\ub85c \uc7ac\uad6c\ucd95\ud574\uc57c \ud558\ub294 \ubcf5\uc7a1\uc131\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. PSD3\ub294 \uc804\uc6a9 \uc778\ud130\ud398\uc774\uc2a4 \uc0ac\uc6a9\uc744 \uc758\ubb34\ud654\ud558\uc5ec \ud1b5\ud569 \ud504\ub85c\uc138\uc2a4\ub97c \uac04\uc18c\ud654\ud558\ub824 \ud558\uc9c0\ub9cc, \ub178\ud6c4\ud654\ub41c \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c\uc744 \ubcf4\uc720\ud55c \uae08\uc735 \uae30\uad00\uc740 \uc0c1\ub2f9\ud55c \ub9c8\uc774\uadf8\ub808\uc774\uc158 \ube44\uc6a9\uc5d0 \uc9c1\uba74\ud558\uc5ec \ub2e8\uae30\uc801\uc778 \ud22c\uc790 \uc218\uc775 \ub2ec\uc131\uc5d0 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 3. \uc138\uadf8\uba3c\ud2b8 \ubd84\uc11d<\/p>\n<p> 3.1. \uc11c\ube44\uc2a4 \uc81c\uacf5 (Service Offering)<\/p>\n<p>*   \uacb0\uc81c \uac1c\uc2dc(Payment Initiation) \uc11c\ube44\uc2a4\uac00 2025\ub144 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uc218\uc775\uc758 37.80%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 A2A \uacb0\uc81c \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \ud310\ub9e4\uc790 \uc218\uc694 \uc99d\uac00\uc640 \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c \ubc0f \ubcc0\ub3d9 \ubc18\ubcf5 \uacb0\uc81c(VRP)\ub97c \ucd09\uc9c4\ud558\ub294 \uaddc\uc81c \uc774\ub2c8\uc154\ud2f0\ube0c\uc5d0 \ud798\uc785\uc740 \uacb0\uacfc\uc785\ub2c8\ub2e4.<br \/>\n*   \ub370\uc774\ud130 \ud1b5\ud569 \ubc0f \uac15\ud654(Data Aggregation &#038; Enrichment)\ub294 17.35%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\uba70, \uc740\ud589 \ubd80\ubb38\uc774 \uc6d0\uc2dc \uac70\ub798 \ub370\uc774\ud130\ubcf4\ub2e4\ub294 \uc2e4\ud589 \uac00\ub2a5\ud55c \ud1b5\ucc30\ub825\uc5d0\uc11c \uac00\uce58\ub97c \ucc3d\ucd9c\ud558\ub294 \ub370 \uc804\ub7b5\uc801\uc73c\ub85c \uc9d1\uc911\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<br \/>\n*   \uacc4\uc88c \uc815\ubcf4 \uc11c\ube44\uc2a4(Account Information Services)\ub294 \uc608\uc0b0 \uad00\ub9ac \ub3c4\uad6c\uc5d0 \ud544\uc218\uc801\uc774\uba70, \uc790\uae08 \ud655\uc778 API(Funds Confirmation APIs)\ub294 \uace0\uc561 \uac70\ub798\uc5d0\uc11c \uc0ac\uae30 \uc190\uc2e4\uc744 \uc904\uc774\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub3d9\uc758 \ub300\uc2dc\ubcf4\ub4dc, \uc704\ud5d8 \uc810\uc218 \uc5d4\uc9c4, \uc0ac\uae30 \ubaa8\ub2c8\ud130\ub9c1 \ud50c\ub7ab\ud3fc\uc744 \ud3ec\ud568\ud558\ub294 &#8220;\uae30\ud0c0&#8221; \ubd80\ubb38\ub3c4 \ud22c\uba85\uc131 \uac15\ud654\uc640 \uc704\ud5d8 \ud3c9\uac00 \uac1c\uc120\uc5d0 \uae30\uc5ec\ud558\uba70 \uc911\uc694\uc131\uc774 \ucee4\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 3.2. \ucd5c\uc885 \uc0ac\uc6a9\uc790 (End User)<\/p>\n<p>*   \uc18c\ub9e4 \uae08\uc735 \uace0\uac1d(Retail Banking Customers)\uc774 2025\ub144 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uc218\uc694\uc758 53.40%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub294 \ud1b5\ud569 \uacc4\uc88c \uc870\ud68c, \uccad\uad6c\uc11c \uc804\ud658, \uc740\ud589 \uacb0\uc81c(pay-by-bank)\uc5d0 \ub300\ud55c \uc18c\ube44\uc790 \uc120\ud638\ub3c4\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4.<br \/>\n*   \ud540\ud14c\ud06c \uac1c\ubc1c\uc790(Fintech Developers)\ub294 15.85%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uae31 \uc6cc\ucee4 \uc18c\ub4dd \ud3c9\uc900\ud654\ubd80\ud130 \uc554\ud638\ud654\ud3d0-\ubc95\uc815\ud654\ud3d0 \uc628\ub7a8\ud504\uc5d0 \uc774\ub974\ub294 \ud2c8\uc0c8 \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc744 \ucd09\uc9c4\ud558\ub294 \uc624\ud508 API\ub97c \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\uc18c\uae30\uc5c5(SMEs)\uc740 \uc790\ub3d9\ud654\ub41c \ube44\uc6a9 \uc6cc\ud06c\ud50c\ub85c\uc6b0 \ubc0f \ud604\uae08 \ud750\ub984 \uc608\uce21\uc744 \ud1b5\ud574 \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uace0 \uc788\uc73c\uba70, \uae30\uc5c5 \uc7ac\ubb34 \ub2f4\ub2f9\uc790(Corporate Treasurers)\ub294 \uc720\ub3d9\uc131 \uc2a4\uc715 \ubc0f \ubbf8\uc218\uae08 \uc870\uc815\uc744 \uc704\ud55c API \uae30\ubc18 \uc194\ub8e8\uc158\uc744 \ubaa8\uc0c9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc815\ubd80 \uae30\uad00 \ubc0f \uacf5\uacf5 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4(\u2018\uae30\ud0c0\u2019 \ubd80\ubb38)\ub294 \ud61c\ud0dd \uc9c0\uae09 \ubc0f \uc5d0\ub108\uc9c0 \uc0ac\uc6a9\ub7c9 \uae08\uc735\uacfc \uac19\uc740 \uc0ac\uc6a9 \uc0ac\ub840\ub97c \uc801\uadf9\uc801\uc73c\ub85c \ud14c\uc2a4\ud2b8\ud558\uba70 \uc624\ud508 \ubc45\ud0b9\uc758 \uc7a0\uc7ac\ub825\uc744 \ubcf4\uc5ec\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 3.3. \uc720\ud1b5 \ucc44\ub110 (Distribution Channel)<\/p>\n<p>*   \uc740\ud589 \uc790\uccb4 \ucc44\ub110(Bank Channels)\uc774 2025\ub144 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uc218\uc775\uc758 62.00%\ub97c \ucc28\uc9c0\ud558\uba70 \uc5ec\uc804\ud788 \uc9c0\ubc30\uc801\uc778 \uc704\uce58\ub97c \uc720\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uace0\uac1d\ub4e4\uc774 \uc8fc\uac70\ub798 \uc740\ud589\uc758 \ubaa8\ubc14\uc77c \uc571\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \ub192\uc74c\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4.<br \/>\n*   \uc571 \uae30\ubc18 \ud540\ud14c\ud06c \ud50c\ub7ab\ud3fc(App-Based Platforms)\uc740 15.40%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc73c\uba70, \uc548\uc804\ud55c \ub370\uc774\ud130 \ud480\uc744 \ud65c\uc6a9\ud55c \ub9de\ucda4\ud615 \uc608\uc0b0 \uad00\ub9ac \ubc0f \ud22c\uc790 \uacbd\ud5d8\uc5d0 \ub300\ud55c \uc0ac\uc6a9\uc790 \uc120\ud638\ub3c4\uac00 \uc99d\uac00\ud558\uace0 \uc788\uc74c\uc744 \ubc18\uc601\ud569\ub2c8\ub2e4.<br \/>\n*   API \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4(API Marketplaces)\ub294 \uc740\ud589\uc774 \ubaa8\ub4c8\ud615 \uc11c\ube44\uc2a4\ub97c \ud310\ub9e4\ud558\ub294 \uc0c8\ub85c\uc6b4 \ucc44\ub110\ub85c \ubd80\uc0c1\ud558\uba70, \uaddc\uc81c \ub300\uc0c1 \uae30\uad00\uc744 \uc778\ud504\ub77c \uc81c\uacf5\uc5c5\uccb4\ub85c \uc804\ud658\uc2dc\ud0a4\uace0 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ucf54\ub85c\ub09819 \ud32c\ub370\ubbf9\uc740 \ubaa8\ubc14\uc77c \ucc38\uc5ec\ub97c \uac00\uc18d\ud654\ud558\uc5ec \uc571 \uc911\uc2ec \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc758 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud588\uc73c\uba70, \uc0dd\uccb4 \uc778\uc99d \uac70\ub798 \ud55c\ub3c4 \uc99d\uac00\ub294 \uc774\ub7ec\ud55c \ubaa8\ub378\uc758 \ucc44\ud0dd\uc744 \ub354\uc6b1 \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 3.4. \ubc30\ud3ec \ubaa8\ub378 (Deployment Model)<\/p>\n<p>*   \ud074\ub77c\uc6b0\ub4dc \ubc30\ud3ec(Cloud Deployments)\ub294 2025\ub144 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uc218\uc775\uc758 65.40%\ub97c \ucc28\uc9c0\ud588\uc73c\uba70, 13.10%\uc758 \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\ub85c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc774\ub294 \uae30\uad00\ub4e4\uc774 \uae30\ud558\uae09\uc218\uc801\uc778 API \ud638\ucd9c\ub7c9\uc744 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \ud655\uc7a5 \uac00\ub2a5\ud558\uace0 \ud0c4\ub825\uc801\uc778 \ud658\uacbd\uc73c\ub85c \ud575\uc2ec \ud504\ub85c\uc138\uc2f1\uc744 \ub9c8\uc774\uadf8\ub808\uc774\uc158\ud558\uace0 \uc788\uae30 \ub54c\ubb38\uc785\ub2c8\ub2e4.<br \/>\n*   \uc628\ud504\ub808\ubbf8\uc2a4(On-Premise) \uc124\uce58\ub294 \uaddc\uc81c \uc900\uc218 \uc694\uad6c\uc0ac\ud56d\uc73c\ub85c \uc778\ud574 \uc5c4\uaca9\ud558\uac8c \uaddc\uc81c\ub418\ub294 \uc601\uc5ed\uc5d0\uc11c \uc5ec\uc804\ud788 \uc0ac\uc6a9\ub418\uc9c0\ub9cc, \uc9c0\uc18d\uc801\uc778 \ud328\uce58 \uad00\ub9ac, \ube48\ubc88\ud55c \ud558\ub4dc\uc6e8\uc5b4 \uad50\uccb4 \uc8fc\uae30, \ud074\ub77c\uc6b0\ub4dc \uc194\ub8e8\uc158\uc758 \ud655\uc7a5\uc131 \ubc0f \uc720\uc5f0\uc131\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud558\ub294 \uc810 \ub4f1\uc73c\ub85c \uc778\ud574 \ube44\uc6a9 \uc555\ubc15\uc5d0 \uc9c1\uba74\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ud558\uc774\ube0c\ub9ac\ub4dc \ubaa8\ub378(Hybrid Models)\uc740 \ub808\uac70\uc2dc \ud575\uc2ec \uc2dc\uc2a4\ud15c\uacfc \uad00\ub828\ub41c \uc704\ud5d8\uc744 \uccb4\uacc4\uc801\uc73c\ub85c \uc644\ud654\ud558\ub294 \uc804\ud658 \ud504\ub808\uc784\uc6cc\ud06c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \uaddc\uc81c \uae30\uad00\uc740 \ud074\ub77c\uc6b0\ub4dc \uc544\uc6c3\uc18c\uc2f1\uc5d0 \ub300\ud55c \uc0c1\uc138\ud55c \uc9c0\uce68\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc73c\uba70, \ud074\ub77c\uc6b0\ub4dc \uc6b0\uc120 \uc740\ud589\ub4e4\uc740 \uc9c0\uc18d\uc801\uc778 \ud1b5\ud569 \ud30c\uc774\ud504\ub77c\uc778\uacfc \ucee8\ud14c\uc774\ub108\ud654\ub97c \ud65c\uc6a9\ud558\uc5ec \uc6b4\uc601 \ubbfc\ucca9\uc131\uc744 \ub192\uc774\uace0 \ud601\uc2e0\uc801\uc778 \uae30\ub2a5 \ubc30\ud3ec\ub97c \uac00\uc18d\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 4. \uc9c0\uc5ed \ubd84\uc11d<\/p>\n<p>*   \ubd81\ubbf8\ub294 2025\ub144 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5 \uc218\uc775\uc758 31.85%\ub97c \ucc28\uc9c0\ud558\uba70 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uae08\uc735 \ub370\uc774\ud130 \uad50\ud658(FDX)\uc758 \uc790\ubc1c\uc801 \ud45c\uc900\uacfc 1\uc5b5 \uba85 \uc774\uc0c1\uc758 \uc18c\ube44\uc790\uac00 \ub370\uc774\ud130 \uacf5\uc720\ub97c \uc704\ud574 \ud1a0\ud070\ud654\ub41c API\ub97c \uad11\ubc94\uc704\ud558\uac8c \uc0ac\uc6a9\ud558\ub294 \ub370 \ud798\uc785\uc740 \uacb0\uacfc\uc785\ub2c8\ub2e4. \uc139\uc158 1033 \uaddc\uc815\uc758 \ub3c4\uc785\uc740 \uc18c\ube44\uc790 \uad8c\ub9ac\ub97c \uacf5\uc2dd\ud654\ud558\uace0 \uc5c5\uacc4 \uc804\ubc18\uc758 \ud611\ub825\uc744 \ucd09\uc9c4\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<br \/>\n*   \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591 \uc9c0\uc5ed\uc740 2031\ub144\uae4c\uc9c0 14.20%\uc758 \uac15\ub825\ud55c \uc5f0\ud3c9\uade0 \uc131\uc7a5\ub960\uc744 \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc778\ub3c4\uc758 UPI(Unified Payments Interface) \ubc0f \ud638\uc8fc\uc758 CDR(Consumer Data Right)\uacfc \uac19\uc740 \uac15\ub825\ud55c \uacf5\uacf5 \ub514\uc9c0\ud138 \uc778\ud504\ub77c\uc640 \uc2f1\uac00\ud3ec\ub974 \ubc0f \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ud540\ud14c\ud06c \uc0cc\ub4dc\ubc15\uc2a4\uc640 \uac19\uc740 \uaddc\uc81c \uc774\ub2c8\uc154\ud2f0\ube0c\uac00 \uc131\uc7a5\uc744 \ub4b7\ubc1b\uce68\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \ub77c\ud2f4 \uc544\uba54\ub9ac\uce74 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 \ube0c\ub77c\uc9c8\uc758 \uc624\ud508 \ud30c\uc774\ub0b8\uc2a4 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \ubaa8\ub378\ub85c \ucf5c\ub86c\ube44\uc544\uc640 \uac19\uc740 \uc778\uc811 \uad6d\uac00\ub4e4\uc774 \uc758\ubb34\uc801\uc778 \uacb0\uc81c \uac1c\uc2dc\ub97c \uc2dc\ud589\ud558\uba74\uc11c \ubaa8\uba58\ud140\uc744 \uc5bb\uace0 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n*   \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74\ub294 \uaddc\uc81c \uc900\uc218\ub97c \ud604\uc9c0\ud654\ud558\uace0 \ub2e4\uc591\ud55c \uace0\uac1d\uc5d0\uac8c \ub9de\ucda4\ud615 \uad6d\uacbd \uac04 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uc9c0\uc5ed BaaS(Banking-as-a-Service) \ud5c8\ube0c\ub97c \uac1c\ubc1c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p># 5. \uacbd\uc7c1 \ud658\uacbd<\/p>\n<p>\uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 \uc0c1\uc704 5\uac1c \uc81c\uacf5\uc5c5\uccb4\uac00 \uc804\uccb4 \uc218\uc775\uc758 4\ubd84\uc758 1\uc744 \ucc28\uc9c0\ud560 \uc815\ub3c4\ub85c \ud30c\ud3b8\ud654\ub41c(Low Concentration) \ud2b9\uc131\uc744 \ubcf4\uc774\uba70, \uc774\ub294 \uc778\uc218\ud569\ubcd1(M&#038;A)\uc774\ub098 \uc218\uc9c1\uc801 \uc804\ubb38\ud654\ub97c \ud1b5\ud55c \uc2dc\uc7a5 \uc810\uc720\uc728\uc758 \uae09\uaca9\ud55c \ubcc0\ud654 \uac00\ub2a5\uc131\uc744 \uc2dc\uc0ac\ud569\ub2c8\ub2e4. Visa\uc758 Tink \uc778\uc218\uc640 Mastercard\uc758 Thought Machine\uacfc\uc758 \ud611\ub825\uc740 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c\uac00 API \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uace0 \uc9c1\uc811 \uacc4\uc88c \uac04 \uacb0\uc81c \ud750\ub984\uc73c\ub85c \uc9c4\ucd9c\ud558\ub824\ub294 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. Deutsche Bank\uc640 \uac19\uc740 \uc804\ud1b5 \uc740\ud589\ub4e4\uc740 \uc11c\ube44\uc2a4 \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc9c4\ud654\ud558\uc5ec \ud310\ub9e4\uc790\ub4e4\uc774 \uc608\uae08 \uae08\ub9ac \uacbd\uc7c1\uc744 \ub118\uc5b4 \uc740\ud589 \uacb0\uc81c API\ub97c \ucc44\ud0dd\ud558\ub3c4\ub85d \uc720\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud604\uae08 \ud750\ub984 \ub300\ucd9c \uc2ec\uc0ac, \uad6c\ub3c5 \uad00\ub9ac, \uc911\uc18c\uae30\uc5c5 \uc7ac\ubb34 \uc11c\ube44\uc2a4\uc640 \uac19\uc740 \ud2c8\uc0c8 \uc2dc\uc7a5\uc5d0\uc11c\ub294 \ub300\ud615 \uae30\uc874 \uae30\uc5c5\ub4e4\uc774 \uac04\uacfc\ud558\uae30 \uc26c\uc6b4 \ub370\uc774\ud130 \ud1b5\ucc30\ub825\uc744 \ud65c\uc6a9\ud558\uc5ec \uc804\ubb38 \uae30\uc5c5\ub4e4\uc774 \uc785\uc9c0\ub97c \uad6c\ucd95\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uad6d\uacbd \uac04 \uacb0\uc81c\ub294 \uc218\uc775\uc131 \ub192\uc740 \uc131\uc7a5 \ub3d9\ub825\uc73c\ub85c \ubd80\uc0c1\ud558\uace0 \uc788\uc73c\uba70, \ud45c\uc900\ud654\ub41c API\ub294 \ucf54\ub808\uc2a4\ud3f0\ub358\ud2b8 \ubc45\ud0b9 \uc218\uc218\ub8cc\uc640 \uacb0\uc81c \uc9c0\uc5f0\uc744 \uc904\uc77c \uac83\uc73c\ub85c \uae30\ub300\ub429\ub2c8\ub2e4. SWIFT, CPMI \ubc0f \ub2e4\uc591\ud55c \uc9c0\uc5ed \uc989\uc2dc \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc \uac19\uc740 \uae30\uad00\ub4e4\uc774 \uc774 \ubd84\uc57c\uc5d0\uc11c \ud611\ub825\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc131\uacf5\uc801\uc778 \uc2dc\uc7a5 \uc804\ub7b5\uc740 \uba85\ud655\ud55c \ubb38\uc11c\ud654, \ud22c\uba85\ud55c \uac00\ub3d9 \uc2dc\uac04 \uc9c0\ud45c, \ud65c\ubc1c\ud55c \ucee4\ubba4\ub2c8\ud2f0 \ucc38\uc5ec\ub97c \uac15\uc870\ud558\ub294 \uac1c\ubc1c\uc790 \uacbd\ud5d8\uc5d0 \uc911\uc810\uc744 \ub461\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc804\uc220\uc740 \uac15\ub825\ud55c \ub124\ud2b8\uc6cc\ud06c \ud6a8\uacfc\ub97c \uad6c\ucd95\ud558\uace0 \uc804\ud658 \ube44\uc6a9\uc744 \ub192\uc774\uba70 \uacbd\uc7c1 \uc6b0\uc704\ub97c \ud655\uace0\ud788 \ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c \ud569\ub2c8\ub2e4.<\/p>\n<p># 6. \ucd5c\uadfc \uc0b0\uc5c5 \ub3d9\ud5a5<\/p>\n<p>*   2025\ub144 6\uc6d4: Experian\uacfc Plaid\ub294 \ud30c\ud2b8\ub108\uc2ed\uc744 \ub9fa\uace0 Experian \uc18c\ube44\uc790 \ubcf4\uace0\uc11c\uc5d0 \uc2e4\uc2dc\uac04 \ud604\uae08 \ud750\ub984 \ub370\uc774\ud130\ub97c \ud3ec\ud568\uc2dc\ucf1c \uc2e0\uc6a9 \uae30\ub85d\uc774 \ubd80\uc871\ud55c \ub300\ucd9c\uc790\uc758 \ub300\ucd9c \uc2ec\uc0ac\ub97c \uac1c\uc120\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 4\uc6d4: Capital One\uc740 \uc5f0\ubc29\uc900\ube44\uc81c\ub3c4(Federal Reserve)\uc758 \uc2b9\uc778\uc744 \ubc1b\uc544 Discover Financial Services\ub97c 353\uc5b5 \ub2ec\ub7ec\uc5d0 \uc778\uc218\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2025\ub144 1\uc6d4: Openbank\ub294 \ud604\uc9c0 IBAN \ubc0f \ucd5c\ub300 24,997\ub2ec\ub7ec\uc758 \uac1c\uc778 \ub300\ucd9c\uc744 \uc81c\uacf5\ud558\uc5ec \ub3c5\uc77c \ub0b4 \uc11c\ube44\uc2a4 \ubc94\uc704\ub97c \ud655\uc7a5\ud588\uc2b5\ub2c8\ub2e4.<br \/>\n*   2024\ub144 11\uc6d4: Bank of New Zealand\ub294 \uad6d\ub0b4 \uc624\ud508 \ubc45\ud0b9 \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uae30 \uc704\ud574 BlinkPay\ub97c \uc778\uc218\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ubcf8 \ubcf4\uace0\uc11c\ub294 \uae08\uc735 \uc11c\ube44\uc2a4 \uc0b0\uc5c5 \ub0b4 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc624\ud508 \ubc45\ud0b9\uc740 API(Application Programming Interface)\ub97c \ud1b5\ud574 \uc740\ud589\uacfc \uae30\ud0c0 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4 \uac04\uc758 \uae08\uc735 \ub370\uc774\ud130 \uacf5\uc720\ub97c \ucd09\uc9c4\ud558\uba70, \ubcf8 \uc5f0\uad6c\ub294 \uc2dc\uc7a5 \uc5ed\ud559, \uc2e0\ud765 \ud2b8\ub80c\ub4dc, \uc81c\ud488 \ubc0f \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc720\ud615, \uc8fc\uc694 \uc2dc\uc7a5 \ucc38\uc5ec\uc790 \ubc0f \uacbd\uc7c1 \ud658\uacbd\uc744 \ub2e4\ub8f9\ub2c8\ub2e4.<\/p>\n<p>\uc8fc\uc694 \uc2dc\uc7a5 \ubd84\uc11d \uacb0\uacfc:<br \/>\n\uae00\ub85c\ubc8c \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc740 2026\ub144 297\uc5b5 8\ucc9c\ub9cc \ub2ec\ub7ec \uaddc\ubaa8\uc5d0\uc11c 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 14.95% \uc131\uc7a5\ud558\uc5ec 598\uc5b5 1\ucc9c\ub9cc \ub2ec\ub7ec\uc5d0 \uc774\ub97c \uac83\uc73c\ub85c \uc804\ub9dd\ub429\ub2c8\ub2e4. \uc9c0\uc5ed\ubcc4\ub85c\ub294 \ubd81\ubbf8\uac00 2025\ub144 \uc2dc\uc7a5 \uc810\uc720\uc728 31.85%\ub85c \uc120\ub450\ub97c \uc720\uc9c0\ud558\uba70, \uc11c\ube44\uc2a4 \ubd80\ubb38\uc5d0\uc11c\ub294 \ub370\uc774\ud130 \uc9d1\uacc4 \ubc0f \uac15\ud654(Data Aggregation &#038; Enrichment) \uc11c\ube44\uc2a4\uac00 2031\ub144\uae4c\uc9c0 \uc5f0\ud3c9\uade0 17.35%\ub85c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ubc30\ud3ec \ubaa8\ub378 \uc911 \ud074\ub77c\uc6b0\ub4dc \uc194\ub8e8\uc158\uc740 \ub192\uc740 API \ud638\ucd9c\ub7c9\uc5d0 \ub300\ud55c \ud655\uc7a5\uc131\uc744 \uc81c\uacf5\ud558\uba70 2025\ub144 \uc2dc\uc7a5\uc758 65.40%\ub97c \ucc28\uc9c0\ud558\ub294 \uc9c0\ubc30\uc801\uc778 \uc704\uce58\ub97c \ubcf4\uc785\ub2c8\ub2e4. \uacbd\uc7c1 \ud658\uacbd\uc740 \uc0c1\uc704 5\uac1c \uae30\uc5c5\uc774 \uc0c1\ub2f9\ud55c \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\ub294 \ub192\uc740 \uc2dc\uc7a5 \uc9d1\uc911\ub3c4\ub97c \ub098\ud0c0\ub0c5\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \ub3d9\uc778 \ubc0f \uc81c\uc57d:<br \/>\n\uc2dc\uc7a5 \ub3d9\uc778\uc73c\ub85c\ub294 PSD2 \ubc0f \uae00\ub85c\ubc8c \uaddc\uc81c \uc758\ubb34 \uac15\ud654, \uc2e4\uc2dc\uac04 A2A(Account-to-Account) \uacb0\uc81c \ucc44\ud0dd \uae09\uc99d, \uac1c\uc778 \ub9de\ucda4\ud615 \ub370\uc774\ud130 \uae30\ubc18 \ubc45\ud0b9 \uc218\uc694, \ube44\uc740\ud589 \ud50c\ub7ab\ud3fc\uc758 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud655\uc0b0, \uadf8\ub9ac\uace0 \uc5d0\ub108\uc9c0 \ubc0f \ud1b5\uc2e0 \ub4f1 \ub2e4\uc591\ud55c \uc720\ud2f8\ub9ac\ud2f0 \uac04 \uc624\ud508 \ub370\uc774\ud130 \uc735\ud569\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\uc2dc\uc7a5 \uc81c\uc57d\uc73c\ub85c\ub294 \ub370\uc774\ud130 \ud504\ub77c\uc774\ubc84\uc2dc \ubc0f \uc0ac\uc774\ubc84 \ubcf4\uc548 \uc6b0\ub824, \ud30c\ud3b8\ud654\ub41c API \ud45c\uc900\uc73c\ub85c \uc778\ud55c \ud1b5\ud569 \ube44\uc6a9 \uc99d\uac00, \uc740\ud589 API \uc218\uc775\ud654 \uc218\uc218\ub8cc \uc0c1\uc2b9, \ub808\uac70\uc2dc \ud575\uc2ec \uc2dc\uc2a4\ud15c\uc758 \uac70\ub798 \uc9c0\uc5f0 \ubb38\uc81c\uac00 \uc9c0\uc801\ub429\ub2c8\ub2e4.<\/p>\n<p>\uc2dc\uc7a5 \uc138\ubd84\ud654:<br \/>\n\ubcf4\uace0\uc11c\ub294 \uc624\ud508 \ubc45\ud0b9 \uc2dc\uc7a5\uc744 \uc740\ud589 \uc11c\ube44\uc2a4(\ubc45\ud0b9 \ubc0f \uc790\ubcf8 \uc2dc\uc7a5, \uacb0\uc81c, \ub514\uc9c0\ud138 \ud1b5\ud654, \ubd80\uac00 \uac00\uce58 \uc11c\ube44\uc2a4), \uc720\ud1b5 \ucc44\ub110(\uc740\ud589 \ucc44\ub110, \uc571 \ub9c8\ucf13, API \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4 \ub4f1), \ubc30\ud3ec \ubaa8\ub378(\ud074\ub77c\uc6b0\ub4dc, \uc628\ud504\ub808\ubbf8\uc2a4, \ud558\uc774\ube0c\ub9ac\ub4dc), \ucd5c\uc885 \uc0ac\uc6a9\uc790(\uc18c\ub9e4 \uae08\uc735 \uace0\uac1d, \uc911\uc18c\uae30\uc5c5, \uae30\uc5c5 \ubc0f \uc0c1\uc5c5 \uae30\uc5c5, \uc81c3\uc790 \ud540\ud14c\ud06c \uac1c\ubc1c\uc790 \ub4f1), \uacc4\uc815 \uc815\ubcf4 \uc11c\ube44\uc2a4(\ub370\uc774\ud130 \uc9d1\uacc4 \ubc0f \uac15\ud654, \uc790\uae08 \ud655\uc778 \ub4f1) \ubc0f \uc9c0\ub9ac(\ubd81\ubbf8, \uc720\ub7fd, \uc544\uc2dc\uc544 \ud0dc\ud3c9\uc591, \ub0a8\ubbf8, \uc911\ub3d9 \ubc0f \uc544\ud504\ub9ac\uce74)\ubcc4\ub85c \uc138\ubd84\ud654\ud558\uc5ec \ubd84\uc11d\ud569\ub2c8\ub2e4.<\/p>\n<p>\uacbd\uc7c1 \ud658\uacbd:<br \/>\n\uacbd\uc7c1 \ud658\uacbd \ubd84\uc11d\uc740 \uc8fc\uc694 \uae30\uc5c5\ub4e4\uc758 \uc804\ub7b5\uc801 \uc6c0\uc9c1\uc784, \uc2dc\uc7a5 \uc810\uc720\uc728 \ubd84\uc11d, \uadf8\ub9ac\uace0 Tink AB, Plaid Inc., TrueLayer Ltd. \ub4f1 \uc120\ub3c4 \uae30\uc5c5\ub4e4\uc758 \uc0c1\uc138 \ud504\ub85c\ud544(\uae00\ub85c\ubc8c \ubc0f \uc2dc\uc7a5 \uc218\uc900 \uac1c\uc694, \ud575\uc2ec \ubd80\ubb38, \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 \uc0ac\ud56d \ud3ec\ud568)\uc744 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