{"id":23973,"date":"2024-07-23T15:33:38","date_gmt":"2024-07-23T08:33:38","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=23973"},"modified":"2024-09-30T07:24:13","modified_gmt":"2024-09-30T07:24:13","slug":"from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking","status":"publish","type":"post","link":"https:\/\/smartdev.com\/kr\/from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking\/","title":{"rendered":"\uac70\ub798\uc5d0\uc11c \uacbd\ud5d8\uc73c\ub85c: \uc740\ud589 \ub0b4 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ubd80\uc0c1"},"content":{"rendered":"
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\ube60\ub974\uac8c \ubcc0\ud654\ud558\ub294 \uae08\uc735 \uc138\uacc4\uc5d0\uc11c \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ubd80\uc0c1\uc73c\ub85c \ub300\ubcc0\ud601\uc774 \uc77c\uc5b4\ub098\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc11c\ube44\uc2a4\uac00 \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc5d0 \ud1b5\ud569\ub418\ub294 \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0ac \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc740\ud589 \uc0b0\uc5c5 \uad6c\uc870 \uc790\uccb4\uc5d0 \ud601\uba85\uc744 \uc77c\uc73c\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ube14\ub85c\uadf8 \uac8c\uc2dc\ubb3c\uc5d0\uc11c\ub294 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uc9c4\ud654, \uae30\uc874 \uc740\ud589\uc5c5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5, \uadf8\ub9ac\uace0 \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ubbf8\ub798\ub97c \ud615\uc131\ud560 \uc7a0\uc7ac\ub825\uc5d0 \ub300\ud574 \uc0b4\ud3b4\ubd05\ub2c8\ub2e4.<\/span><\/p>\n

<\/span>I. \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc774\ud574: \uc815\uc758 \ubc0f \uad6c\uc131 \uc694\uc18c<\/b><\/span><\/h3>\n

\uc88b\uc544\ud558\ub294 \uc628\ub77c\uc778 \uc1fc\ud551\ubab0\uc744 \ub458\ub7ec\ubcf4\uba70 \uc7a5\ubc14\uad6c\ub2c8\uc5d0 \uc0c1\ud488\uc744 \ub2f4\ub294 \ubaa8\uc2b5\uc744 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \uacb0\uc81c\ud560 \ub54c, \uae30\uc874\uc758 \uc740\ud589 \uacc4\uc88c\ub098 \uc2e0\uc6a9\uce74\ub4dc \uc785\ub825 \uc591\uc2dd\uc73c\ub85c \uc5f0\uacb0\ub418\ub294 \ub300\uc2e0, \uacb0\uc81c \ub2e8\uacc4\uc5d0\uc11c \ubc14\ub85c \uad6c\ub9e4 \ub300\uae08\uc744 \uc9c0\ubd88\ud560 \uc218 \uc788\ub294 \uc989\uc2dc \ub300\ucd9c\uc744 \uc81c\uc548\ubc1b\uc2b5\ub2c8\ub2e4. \ud574\ub2f9 \uc1fc\ud551\ubab0 \uc6f9\uc0ac\uc774\ud2b8\ub098 \uc571\uc744 \ubc97\uc5b4\ub098\uc9c0 \uc54a\uace0\ub3c4 \uc57d\uad00\uc5d0 \ub3d9\uc758\ud558\uace0 \uad6c\ub9e4\ub97c \uc644\ub8cc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ucc98\ub7fc \uae08\uc735 \uc11c\ube44\uc2a4\uac00 \uc77c\uc0c1\uc801\uc778 \uc1fc\ud551 \uacbd\ud5d8\uc5d0 \uc644\ubcbd\ud558\uac8c \ud1b5\ud569\ub41c \uac83\uc740 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\uc785\ub2c8\ub2e4.<\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc774\ub780?<\/span><\/b>\u00a0<\/span><\/h4>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uae30\uc874 \uc740\ud589\uc774\ub098 \uae08\uc735 \uac70\ub798\uc5d0 \uc9d1\uc911\ud558\uc9c0 \uc54a\uc558\ub358 \ud658\uacbd\uc5d0 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud569\ub2c8\ub2e4. \uc989, \ub300\ucd9c, \ubcf4\ud5d8, \uacb0\uc81c \ucc98\ub9ac, \uc2ec\uc9c0\uc5b4 \ud22c\uc790 \uae30\ud68c\uae4c\uc9c0 \ub2e4\uc591\ud55c \uae08\uc735 \uc11c\ube44\uc2a4\uc5d0 \uc9c1\uc811 \uc811\uadfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>,<\/span> \uc628\ub77c\uc778\uc73c\ub85c \uc1fc\ud551\ud558\uace0, \uc0ac\uad50 \ud65c\ub3d9\uc744 \ud558\uace0, \uc0ac\uc5c5\uc744 \uad00\ub9ac\ud558\ub294 \uacf3\uc785\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\"\"<\/span>\uadf8\ub9bc 1:<\/strong> \uc0c8\ub85c\uc6b4 \uc740\ud589 \uc0b0\uc5c5 \uac00\uce58 \uc0ac\uc2ac(Skaleet, 2024)<\/span><\/i>\u00a0<\/span><\/p>\n

<\/h3>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc744 \ub4b7\ubc1b\uce68\ud558\ub294 \uad6c\uc131 \uc694\uc18c<\/span><\/b>\u00a0<\/span><\/h4>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \ub2e8\uc21c\ud55c \uac1c\ub150\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc774\ub294 \uc5ec\ub7ec \uae30\uc220\uc801 \uae30\ub465\uc73c\ub85c \ub4b7\ubc1b\uce68\ub418\ub294 \uc815\uad50\ud55c \uc0dd\ud0dc\uacc4\uc785\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \n
  1. API(\uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ud504\ub85c\uadf8\ub798\ubc0d \uc778\ud130\ud398\uc774\uc2a4):<\/span><\/b>\uc774\ub7ec\ud55c \uc694\uc18c\ub4e4\uc774 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ud575\uc2ec\uc785\ub2c8\ub2e4. API\ub294 \uc11c\ub85c \ub2e4\ub978 \uc18c\ud504\ud2b8\uc6e8\uc5b4 \uc2dc\uc2a4\ud15c\uc774 \uc11c\ub85c \ud1b5\uc2e0\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc5d0\uc11c API\ub294 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc18c\ub9e4 \uc6f9\uc0ac\uc774\ud2b8, \ubaa8\ubc14\uc77c \uc571 \ub610\ub294 \uc18c\uc15c \ubbf8\ub514\uc5b4 \ud50c\ub7ab\ud3fc\uc5d0 \uc6d0\ud65c\ud558\uac8c \ud1b5\ud569\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc804\uc790\uc0c1\uac70\ub798 \uc0ac\uc774\ud2b8\ub294 API\ub97c \uc0ac\uc6a9\ud558\uc5ec \uae08\uc735 \uae30\uad00\uc758 \uc11c\ube44\uc2a4\uc5d0 \uc5f0\uacb0\ud558\uc5ec \ud310\ub9e4 \uc2dc\uc810\uc5d0 \uc989\uc2dc \ub300\ucd9c\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/li>\n
  2. \uc624\ud508 \ubc45\ud0b9 \uc774\ub2c8\uc154\ud2f0\ube0c:<\/span><\/b>\uc624\ud508 \ubc45\ud0b9\uc740 \uc740\ud589\uc774 API\ub97c \uc81c3\uc790\uc5d0\uac8c \uacf5\uac1c\ud558\uc5ec \uae08\uc735 \uae30\uad00\uc744 \uc911\uc2ec\uc73c\ub85c \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uacfc \uc11c\ube44\uc2a4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uba85\uc131\uacfc \uc811\uadfc\uc131\uc740 \uc81c3\uc790 \uac1c\ubc1c\uc790\uac00 \ub2e4\uc591\ud55c \ud50c\ub7ab\ud3fc\uc5d0 \uc9c1\uc811 \ud1b5\ud569 \uac00\ub2a5\ud55c \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uac1c\ubc1c\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud568\uc73c\ub85c\uc368 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ud601\uc2e0\uc744 \ucd09\uc9c4\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc624\ud508 \ubc45\ud0b9\uc744 \ud1b5\ud574 \ud540\ud14c\ud06c \uc571\uc740 \uc0ac\uc6a9\uc790\uc758 \ub3d9\uc758 \ud558\uc5d0 \uc0ac\uc6a9\uc790\uc758 \uc740\ud589 \ub370\uc774\ud130\uc5d0 \uc811\uadfc\ud558\uc5ec \uac1c\uc778 \ub9de\ucda4\ud615 \uae08\uc735 \uc870\uc5b8\uc774\ub098 \uc608\uc0b0 \uad00\ub9ac \uc9c0\uc6d0\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/li>\n
  3. \uc720\ube44\ucffc\ud130\uc2a4 \uc778\ud130\ub137 \uc5f0\uacb0:<\/span><\/b>\uc804 \uc138\uacc4\uc801\uc73c\ub85c \ud655\uc0b0 <\/span>\ub098<\/span>\uc778\ud130\ub137 \uc811\uc18d\uc740 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ud575\uc2ec \ub3d9\ub825\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \uadf8 \uc5b4\ub290 \ub54c\ubcf4\ub2e4 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc628\ub77c\uc778\uc5d0 \uc811\uc18d\ud568\uc5d0 \ub530\ub77c \uae30\uc5c5\uc740 \uad11\ubc94\uc704\ud55c \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \uae30\ud68c\ub97c \uc5bb\uac8c \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc778\ud130\ub137 \uc5f0\uacb0\uc740 \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \uc81c\uacf5\ud560 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/span> \uc2dc\uac04\uc744 \uc808\uc57d\ud558\uace0 \uc0ac\uc6a9\uc790 \ud3b8\uc758\uc131\uacfc \ub9cc\uc871\ub3c4\ub97c \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4. \ub300\ucd9c \uc2e0\uccad\uc774\ub4e0 \ud22c\uc790\ub4e0, \uc774\ub7ec\ud55c \ud65c\ub3d9\uc740 \uc774\uc81c \ub354\uc6b1 \uc911\uc694\ud558\uace0 \ud1b5\ud569\ub41c \ub514\uc9c0\ud138 \uacbd\ud5d8\uc758 \uc77c\ubd80\ub85c \uc989\uc2dc \uc218\ud589\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    \u00a0<\/span><\/p>\n

     <\/p>\n

    <\/span>2\uc138<\/span><\/b>. <\/span><\/b>\uc2e4\uc2dc\uac04 \uae08\uc735 \uac70\ub798<\/span><\/b><\/span><\/h3>\n

    \"\"<\/span><\/h3>\n

    \uadf8\ub9bc 2: <\/i><\/strong>\ub0b4\uc7a5\ud615 \uae08\uc735\uc758 \ub2e4\uc591\ud55c \uacc4\uce35(Holtmann, 2022)<\/span><\/i>\u00a0<\/span><\/p>\n

    \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uc9c4\uc815\ud55c \ub9e4\ub825\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc18c\ube44\uc790\uc758 \uc77c\uc0c1\uc801\uc778 \uc628\ub77c\uc778 \ud65c\ub3d9\uc5d0 \uc811\ubaa9\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc2b9\ucc28 \uacf5\uc720 \uc571\uc744 \uc774\uc6a9\ud558\uba74\uc11c \uc784\ubca0\ub514\ub4dc \ub300\ucd9c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0c8 \uac00\uc804\uc81c\ud488\uc744 \ub098\uc911\uc5d0 \uacb0\uc81c\ud558\uac70\ub098 \ubd84\ud560 \uacb0\uc81c\ud558\ub294 \uacbd\uc6b0, \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc744 \ud1b5\ud574 \uc2e4\uc2dc\uac04 \uae08\uc735 \uac70\ub798\uc5d0 \ucc38\uc5ec\ud558\uac8c \ub429\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uc774 \ud1b5\ud569\uc740 \ubcf4\ub2e4 \uc6d0\ud65c\ud55c \uc18c\ube44\uc790 \uacbd\ud5d8\uacfc \uc0c8\ub85c\uc6b4 \uc0ac\uc5c5 \uc218\uc775\uc744 \ucc3d\ucd9c\ud569\ub2c8\ub2e4.<\/span> \ucc44\ub110<\/span>s. \ub610\ud55c \uae30\uc874 \uae08\uc735 \uae30\uad00\uc774 \uace0\uac1d\uc774 \uc120\ud638\ud558\ub294 \ud658\uacbd\uc5d0\uc11c \uc0c8\ub86d\uace0 \ub9e4\ub825\uc801\uc778 \ubc29\uc2dd\uc73c\ub85c \uc9c1\uc811 \uace0\uac1d\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud3b8\uc758\uc131\uc774 \ud5a5\uc0c1\ub418\uace0 \uae08\uc735 \ud3ec\uc6a9\uc131\uc774 \uc99d\uc9c4\ub418\uc5b4, \uae30\uc874 \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc27d\uac8c \uc774\uc6a9\ud560 \uc218 \uc5c6\ub294 \uc18c\uc678 \uacc4\uce35\uc5d0\uac8c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uacb0\ub860\uc801\uc73c\ub85c, \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uae08\uc735 \uac70\ub798\uc5d0 \ub300\ud55c \uc6b0\ub9ac\uc758 \uc0ac\uace0\ubc29\uc2dd\uc744 \ubcc0\ud654\uc2dc\ucf1c, \ub514\uc9c0\ud138 \uacbd\ud5d8\uc758 \uc8fc\ubcc0\ubd80\uc5d0\uc11c \ubc97\uc5b4\ub098 \uc790\uc5f0\uc2a4\ub7fd\uace0 \ud1b5\ud569\ub41c \uc77c\ubd80\uac00 \ub418\ub3c4\ub85d \ud569\ub2c8\ub2e4. API, \uc624\ud508 \ubc45\ud0b9, \uadf8\ub9ac\uace0 \uc778\ud130\ub137 \uc5f0\uacb0\uc758 \ud798<\/span>\ud6a8\ub2a5<\/span> \ub354\uc6b1 \uc5f0\uacb0\ub418\uace0, \uc989\uac01\uc801\uc774\uba70, \uac1c\uc778\ud654\ub41c \uae08\uc735 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ucd94\uc138\uac00 \uacc4\uc18d \ubc1c\uc804\ud568\uc5d0 \ub530\ub77c \uae08\uc735 \ubc0f \uae00\ub85c\ubc8c \uc0c1\uac70\ub798\uc758 \ud310\ub3c4\ub97c \uc0c8\ub86d\uac8c \uc815\uc758\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/span>\uc2a4\ucea1<\/span>\uc774\uc790\ud615.<\/span>\u00a0<\/span><\/p>\n

    \u00a0<\/span><\/p>\n

    <\/span>3\uc138<\/span><\/b>. <\/span><\/b>\uc5ed\uc0ac\uc801 \ub9e5\ub77d<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

    3.1 <\/span><\/b>\ucd08\uae30 \uc2dc\uc791\uacfc \uae30\uc220 \ubc1c\uc804<\/span><\/b>\u00a0<\/span><\/h4>\n

    \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc774\ub77c\ub294 \uac1c\ub150\uc740 \uc0c8\ub85c\uc6b4 \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ub9e4\uc7a5 \ud06c\ub808\ub527\uc774\ub098 \ube0c\ub79c\ub4dc \uc2e0\uc6a9\uce74\ub4dc\uc640 \uac19\uc740 \uac04\ub2e8\ud55c \uba54\ucee4\ub2c8\uc998\uc5d0\uc11c \uc2dc\uc791\ud558\uc5ec \uace0\uac1d\uc774 \uc1fc\ud551\ud558\ub294 \uacf3\uc5d0\uc11c \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uadfc\ubcf8\uc801\uc778 \ubcc0\ud654\ub294 \uc778\ud130\ub137\uc758 \ub4f1\uc7a5\uacfc \ud568\uaed8 \uc2dc\uc791\ub418\uc5c8\uace0, \uc2a4\ub9c8\ud2b8\ud3f0\uacfc API\uc758 \ud655\uc0b0\uc73c\ub85c \ub354\uc6b1 \uac00\uc18d\ud654\ub418\uc5b4 \uc815\uad50\ud55c \uae08\uc735 \ud1b5\ud569\uc744 \ucd09\uc9c4\ud588\uc2b5\ub2c8\ub2e4. \ud398\uc774\ud314\uacfc \uac19\uc740 \ucd08\uae30 \uc120\uad6c\uc790\ub4e4\uc740 \uc628\ub77c\uc778 \uc1fc\ud551\uc5d0 \uacb0\uc81c \ucc98\ub9ac\ub97c \ud1b5\ud569\ud558\uc5ec \ub354\uc6b1 \ubcf5\uc7a1\ud55c \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\uc758 \ud1a0\ub300\ub97c \ub9c8\ub828\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    3.2 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ubc1c\uc804\uc758 \uc8fc\uc694 \uc774\uc815\ud45c<\/span><\/b>\u00a0<\/span><\/h4>\n

    \ucd08\uae30\uc5d0\ub294 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc774 \uc8fc\ub85c \uacb0\uc81c\uc5d0 \uc9d1\uc911\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ud22c\uc790 \ubc0f \ubcf4\ud5d8\uacfc \uac19\uc740 \ub354\uc6b1 \ubcf5\uc7a1\ud55c \uc11c\ube44\uc2a4\ub97c \ud3ec\ud568\ud558\ub3c4\ub85d \ud655\uc7a5\ub418\uc5c8\uc73c\uba70, \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub294 \ub2e4\uc591\ud55c \uc18c\ube44\uc790 \ud50c\ub7ab\ud3fc\uc758 \uc0ac\uc6a9\uc790 \uc778\ud130\ud398\uc774\uc2a4\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud2b9\ud788 PSD2\ub97c \ud1b5\ud574 \uc720\ub7fd\uc5d0\uc11c \uc624\ud508 \ubc45\ud0b9 \uaddc\uc815\uc774 \ub3c4\uc785\ub41c \uac83\uc740 \uc911\uc694\ud55c \uc774\uc815\ud45c\uc600\uc2b5\ub2c8\ub2e4. \uc774 \uaddc\uc815\uc740 \uc740\ud589\ub4e4\uc774 API\ub97c \uc81c3\uc790\uc5d0\uac8c \uacf5\uac1c\ud558\ub3c4\ub85d \uc694\uad6c\ud588\uace0, \ud540\ud14c\ud06c \uae30\uc5c5\ub4e4\uc774 \ucd5c\uc885 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ub2e4\uce35\uc801\uc778 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc9c1\uc811 \uc81c\uacf5\ud560 \uc218 \uc788\ub3c4\ub85d \ud568\uc73c\ub85c\uc368 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uc131\uc7a5\uc744 \ucd09\uc9c4\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    Shopify\uc640 Stripe \uac19\uc740 \ud50c\ub7ab\ud3fc\uc774 \ucd5c\uadfc \ud2b8\ub80c\ub4dc\ub97c \uc120\ub3c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud50c\ub7ab\ud3fc\uc740 \uacb0\uc81c \ucc98\ub9ac\ubfd0\ub9cc \uc544\ub2c8\ub77c \ud50c\ub7ab\ud3fc \ub0b4\uc5d0\uc11c \ub300\ucd9c\uacfc \uac19\uc740 \uae08\uc735 \uc0c1\ud488\ub3c4 \uc9c1\uc811 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc774\ub294<\/span>\uc5d0\uc2a4<\/span> \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ubc94\uc704\uc640 \uc815\uad50\ud568\uc774 \ud655\ub300\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    3.3 \uae30\uc874 \uc740\ud589 \ubaa8\ub378\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5<\/span><\/b>\u00a0<\/span><\/h4>\n

    \ub0b4\uc7a5\ud615 \uae08\uc735\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ubd84\uc0b0\ud654\ud568\uc73c\ub85c\uc368 \uae30\uc874 \uc740\ud589\uc5c5\uc744 \ud601\uc2e0\ud588\uc2b5\ub2c8\ub2e4. \ud55c\ub54c \uc720\uc77c\ud55c \uae08\uc735 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc790\uc600\ub358 \uc740\ud589\ub4e4\uc740 \uc774\uc81c \ub354 \ub113\uc740 \uc0dd\ud0dc\uacc4\uc758 \uc77c\ubd80\uac00 \ub418\uc5c8\uc73c\uba70, \uacbd\uc7c1\ub825\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud55c \uc801\uc751\uc774 \ud544\uc694\ud574\uc84c\uc2b5\ub2c8\ub2e4. \ub9ce\uc740 \uae30\uc874 \uc740\ud589\ub4e4\uc774 \ud540\ud14c\ud06c \uae30\uc5c5\uacfc \ud611\ub825\ud558\uc5ec \ubc29\ub300\ud55c \uc778\ud504\ub77c\ub97c \ud65c\uc6a9\ud558\uc5ec \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ub0b4\uc7a5\ud615 \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud30c\ud2b8\ub108\uc2ed\uc758 \ud55c \uc608\ub85c, Apple\uacfc Goldman Sachs\uac00 Apple Card\ub97c \ucd9c\uc2dc\ud558\uc5ec Apple \uc0dd\ud0dc\uacc4\uc5d0 \uc2e0\uc6a9 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud55c \uac83\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span><\/p>\n

    <\/span>IV. \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uc2e4\uc81c \uc0ac\ub840<\/span><\/b><\/span><\/h3>\n

    \"\"<\/p>\n

    \uc2e4\uc81c \uc801\uc6a9 \ubd84\uc57c:<\/span><\/b>\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \ub300\ud45c\uc801\uc778 \uc0ac\ub840\ub294 \ud074\ub77c\ub098(Klarna)\uc640 \uc5b4\ud38c(Affirm)\uacfc \uac19\uc740 \uc120\ubd88 \ud6c4\ubd88(BNPL) \uc11c\ube44\uc2a4\uc758 \ubd80\uc0c1\uc785\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc11c\ube44\uc2a4\ub294 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ub418\uc5b4 \uc989\uac01\uc801\uc778 \uc2e0\uc6a9 \uc635\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub610 \ub2e4\ub978 \uc608\ub85c \uc6b0\ubc84(Uber)\ub294 \uc6b4\uc804\uc790\uc640 \uace0\uac1d\uc744 \uc704\ud55c \uae08\uc735 \uc6b4\uc601\uc744 \uc9c1\uc811 \ud1b5\ud569\ud569\ub2c8\ub2e4.<\/span>rs<\/span> \uc571 \ub0b4\uc5d0\uc11c \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0a4\uace0 \uc6b4\uc601\uc744 \uac04\uc18c\ud654\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uc7a5\uc810\uacfc \uc7a0\uc7ac\uc801 \uc7a5\uc560\ubb3c:<\/span><\/b>\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uc0c1\ub2f9\ud55c \uc774\uc810\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \uc18c\ube44\uc5d0 \uc788\uc5b4 \ud0c1\uc6d4\ud55c \ud3b8\uc758\uc131\uacfc \ub9de\ucda4\ud654\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/span>rs<\/span>\uace0\uac1d\uc774 \uc790\uc8fc \uc774\uc6a9\ud558\ub294 \ub514\uc9c0\ud138 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \ubc14\ub85c \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uc774\uc6a9\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4. \uae08\uc735 \uac70\ub798\ub97c \uc0ac\ub0b4\uc5d0\uc11c \ucc98\ub9ac\ud558\uba74 \uace0\uac1d \ucc38\uc5ec\ub3c4\uac00 \ub192\uc544\uc9c0\uace0 \uae30\uc5c5\uc758 \uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0\uc774 \ucc3d\ucd9c\ub429\ub2c8\ub2e4.<\/span>\uc0ac\uc778\uc2a4<\/span>.<\/span>\u00a0<\/span><\/p>\n

    \uadf8\ub7ec\ub098 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \ud2b9\ud788 \uaddc\uc81c \uc900\uc218 \ubc0f \ub370\uc774\ud130 \ubcf4\uc548 \uce21\uba74\uc5d0\uc11c \uc5b4\ub824\uc6c0\uc744 \uacaa\uc2b5\ub2c8\ub2e4. \ube44\uae08\uc735 \uae30\uc5c5\ub4e4\uc774 \uae08\uc735 \ud65c\ub3d9\uc5d0 \ub354\uc6b1 \uc9d1\uc911\ud568\uc5d0 \ub530\ub77c, \ubcf5\uc7a1\ud55c \uaddc\uc81c \ud658\uacbd\uc744 \ud5e4\uccd0\ub098\uac00\uace0 \uc18c\ube44\uc790 \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uc5c4\uaca9\ud55c \ubcf4\uc548 \uc870\uce58\ub97c \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4.<\/span><\/p>\n

    <\/span>V. \uacb0\ub860<\/span><\/b><\/span><\/h3>\n

    \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uae30\uc874\uc758 \uac1c\ubcc4 \uc740\ud589 \uc11c\ube44\uc2a4\uc5d0\uc11c \ub354\uc6b1 \ud1b5\ud569\ub41c \ubc29\uc2dd\uc73c\ub85c \ud328\ub7ec\ub2e4\uc784\uc744 \uc804\ud658\ud558\uc5ec \uae08\uc735 \uae30\ub2a5\uc744 \uc0ac\uc6a9\uc790 \uc911\uc2ec \ud50c\ub7ab\ud3fc\uc5d0 \ub0b4\uc7a5\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uae30\uc220 \ubc1c\uc804\uacfc \uae08\uc735 \ud3ec\uc6a9\uc131 \ud655\ub300\ub97c \ud5a5\ud55c \ub178\ub825\uc5d0 \ud798\uc785\uc5b4 \uc55e\uc73c\ub85c\ub3c4 \uacc4\uc18d\ub420 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc774 \uc5ec\ub7ec \ubd80\ubb38 \uac04\uc758 \uacbd\uacc4\ub97c \ubaa8\ud638\ud558\uac8c \ub9cc\ub4e4\uba74\uc11c, \uae08\uc735 \uc11c\ube44\uc2a4\uac00 \ub354 \uc774\uc0c1 \uc740\ud589\ub9cc\uc758 \uc804\uc720\ubb3c\uc774 \uc544\ub2cc \uc18c\ube44\uc790\uac00 \ud544\uc694\ub85c \ud558\ub294 \uacf3 \uc5b4\ub514\uc5d0\uc11c\ub098 \uc774\uc6a9 \uac00\ub2a5\ud55c \ubc1d\uc740 \ubbf8\ub798\ub97c \uc81c\uc2dc\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ud569\uc740 \uae08\uc735 \uc6b4\uc601\uc744 \ub354\uc6b1 \uc9c1\uad00\uc801\uc774\uace0 \ub514\uc9c0\ud138 \ud658\uacbd\uc5d0 \uc790\uc5f0\uc2a4\ub7fd\uac8c \uc811\ubaa9\uc2dc\ucf1c \uc811\uadfc\uc131, \uc0ac\uc6a9\uc790 \ucc38\uc5ec, \uadf8\ub9ac\uace0 \uc6d0\ud65c\ud55c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5d0 \uc911\uc810\uc744 \ub454 \uc0c8\ub85c\uc6b4 \uae08\uc735 \uc2dc\ub300\ub97c \uc608\uace0\ud569\ub2c8\ub2e4.<\/span><\/p>\n

    <\/span>VI. SmartDev \uc18c\uac1c<\/span><\/b><\/span><\/h3>\n

    SmartDev\ub294 \ud3ec\uad04\uc801\uc778 \ud540\ud14c\ud06c \uc194\ub8e8\uc158\uc744 \ud1b5\ud574 \uae08\uc735 \ubd80\ubb38\uc758 \ud601\uc2e0\uc744 \uc8fc\ub3c4\ud558\uae30 \uc704\ud574 \ucd5c\uc120\uc744 \ub2e4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc548\uc804\ud55c \ubaa8\ubc14\uc77c \uc560\ud50c\ub9ac\ucf00\uc774\uc158, \ucd5c\ucca8\ub2e8 \ube14\ub85d\uccb4\uc778 \uae30\uc220, \uadf8\ub9ac\uace0 \ucca8\ub2e8 \ub85c\ubd07 \ud504\ub85c\uc138\uc2a4 \uc790\ub3d9\ud654(RPA)\ub97c \ud1b5\ud569\ud558\uc5ec \ucd5c\uace0\uc758 \ud488\uc9c8\uacfc \uc131\ub2a5 \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4. SmartDev\uc758 \ud540\ud14c\ud06c \uc804\ubb38\uc131\uc740 \uae08\uc735 \uae30\uad00\uc774 \uc6b4\uc601 \ud6a8\uc728\uc131\uc744 \ub192\uc774\uace0, \uace0\uac1d \uacbd\ud5d8\uc744 \uac1c\uc120\ud558\uba70, \uae09\ubcc0\ud558\ub294 \uacbd\uc81c \ud658\uacbd\uc5d0\uc11c \uc55e\uc11c \ub098\uac08 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uae30\uc5c5, \ud601\uc2e0\uac00, \uadf8\ub9ac\uace0 \uae30\uc220 \uc560\ud638\uac00 \uc5ec\ub7ec\ubd84, \uc800\ud76c\uc640 \ud568\uaed8 \ud611\ub825\ud558\uc5ec \uc800\ud76c\uc758 \ud540\ud14c\ud06c \uc804\ubb38\uc131\uc774 \uadc0\uc0ac\uc758 \uc6b4\uc601\uc744 \uc5b4\ub5bb\uac8c \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\ub294\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694. \ucd5c\ucca8\ub2e8 \uae30\uc220\uc744 \ud65c\uc6a9\ud558\uc5ec \ud601\uc2e0\uc801\uc77c \ubfd0\ub9cc \uc544\ub2c8\ub77c \ub192\uc740 \uc2e0\ub8b0\uc131\uacfc \ud655\uc7a5\uc131\uc744 \uac16\ucd98 \uc194\ub8e8\uc158\uc744 \uad6c\ucd95\ud558\uae30 \uc704\ud574 \ud568\uaed8 \ub178\ub825\ud569\uc2dc\ub2e4. \uc9c0\uae08 \ubc14\ub85c SmartDev\uc5d0 \uc5f0\ub77d\ud558\uc154\uc11c \uc800\ud76c \ud540\ud14c\ud06c \uc11c\ube44\uc2a4\ub97c \ud1b5\ud574 \uadc0\uc0ac\uc758 \uc804\ub7b5\uc801 \ubaa9\ud45c \ub2ec\uc131\uc744 \uc5b4\ub5bb\uac8c \ub3c4\uc6b8 \uc218 \uc788\ub294\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694. \ud568\uaed8 \ub514\uc9c0\ud138 \uae08\uc735\uc758 \uc5ed\ub7c9\uc744 \ubc1c\uc804\uc2dc\ud0a4\uace0 \uc5c5\uacc4\uc758 \uc0c8\ub85c\uc6b4 \uae30\uc900\uc744 \uc81c\uc2dc\ud574 \ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

    \uc800\ud76c\ub97c \ubc29\ubb38\ud558\uc138\uc694 <\/span>\ud540\ud14c\ud06c \uc11c\ube44\uc2a4 \ud398\uc774\uc9c0<\/span><\/a> \uc774\uc81c \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n<\/div>\n\n\n\n\n\t\t\t<\/div> \n\t\t<\/div>\n\t<\/div> \n<\/div><\/div>","protected":false},"excerpt":{"rendered":"In the rapidly evolving world of finance, a transformative shift is underway with the rise...","protected":false},"author":13,"featured_media":23979,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[50],"tags":[],"class_list":{"0":"post-23973","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-case-study"},"acf":[],"yoast_head":"\nFrom Transactions to Experiences: The Rise of Embedded Finance in Banking | SmartDev<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/smartdev.com\/kr\/from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"From Transactions to Experiences: The Rise of Embedded Finance in Banking | SmartDev\" \/>\n<meta property=\"og:url\" content=\"https:\/\/smartdev.com\/kr\/from-transactions-to-experiences-the-rise-of-embedded-finance-in-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"SmartDev\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.youtube.com\/@smartdevllc\" \/>\n<meta property=\"article:published_time\" content=\"2024-07-23T08:33:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-30T07:24:13+00:00\" \/>\n<meta property=\"og:image\" 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