{"id":25552,"date":"2024-07-18T12:17:59","date_gmt":"2024-07-18T05:17:59","guid":{"rendered":"https:\/\/www.smartdev.com\/?p=23870"},"modified":"2024-07-18T12:17:59","modified_gmt":"2024-07-18T05:17:59","slug":"the-economics-of-embedded-finance-cost-savings-and-revenue-opportunities","status":"publish","type":"post","link":"https:\/\/smartdev.com\/kr\/the-economics-of-embedded-finance-cost-savings-and-revenue-opportunities\/","title":{"rendered":"\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uacbd\uc81c\ud559: \ube44\uc6a9 \uc808\uac10 \ubc0f \uc218\uc775 \uae30\ud68c"},"content":{"rendered":"

\uc628\ub77c\uc778\uc5d0\uc11c \uc0c8 \uc2e0\ubc1c\uc744 \uc1fc\ud551\ud55c\ub2e4\uace0 \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \ub9c8\uc74c\uc5d0 \ub4dc\ub294 \uc2e0\ubc1c\uc744 \ucc3e\uc544 \uc7a5\ubc14\uad6c\ub2c8\uc5d0 \ub2f4\uace0 \uacb0\uc81c \ud398\uc774\uc9c0\ub85c \uc774\ub3d9\ud569\ub2c8\ub2e4. \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 \uc811\uc18d\ud558\ub2c8 \uc628\ub77c\uc778 \uc2a4\ud1a0\uc5b4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \ubb34\uc774\uc790 \ud560\ubd80 \uacb0\uc81c \uc635\uc158\uc774 \ud45c\uc2dc\ub429\ub2c8\ub2e4. \ud638\uae30\uc2ec\uc5d0 \uc774 \uc635\uc158\uc744 \uc120\ud0dd\ud558\uace0, \uc21c\uc870\ub86d\uac8c \uad6c\ub9e4\ub97c \uc644\ub8cc\ud558\uba70, \uc81c\uacf5\ub418\ub294 \uc720\uc5f0\uc131\uc5d0 \ub9cc\uc871\uac10\uc744 \ub290\ub08d\ub2c8\ub2e4. \ubc14\ub85c \uc774\ub54c, \ub0b4\uc7a5\ud615 \uae08\uc735 \uae30\uc220\uc744 \uc811\ud558\uac8c \ub429\ub2c8\ub2e4.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

<\/span>\uc2e4\uc81c \uc801\uc6a9 \uc911\uc778 \uc784\ubca0\ub514\ub4dc \uae08\uc735<\/span><\/b>\u00a0<\/span><\/span><\/h2>\n

\ud83d\udccc <\/span><\/span>\uacb0\uc81c \ucc98\ub9ac: <\/span><\/b>\ub0b4\uc7a5\ud615 \uae08\uc735\uc740 \uacb0\uc81c \ucc98\ub9ac \ubd84\uc57c\uc5d0\uc11c \uac00\uc7a5 \ub208\uc5d0 \ub744\ub294 \ubd80\ubd84\uc77c \uac83\uc785\ub2c8\ub2e4. \uacb0\uc81c \ucc98\ub9ac\uc5d0 \ub0b4\uc7a5\ud615 \uae08\uc735\uc744 \ub3c4\uc785\ud55c\ub2e4\ub294 \uac83\uc740 \uae08\uc735 \uc11c\ube44\uc2a4, \ud2b9\ud788 \uacb0\uc81c \uae30\ub2a5\uc744 \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc \ubc0f \uc560\ud50c\ub9ac\ucf00\uc774\uc158\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ud558\ub294 \uac83\uc744 \uc758\ubbf8\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc644\ubcbd\ud55c \ud1b5\ud569\uc744 \ud1b5\ud574 \uae30\uc5c5\uacfc \uc18c\ube44\uc790\ub294 \uc0ac\uc6a9 \uc911\uc778 \ud50c\ub7ab\ud3fc\uc744 \ubc97\uc5b4\ub098\uc9c0 \uc54a\uace0\ub3c4 \uac70\ub798\ub97c \uc218\ud589\ud560 \uc218 \uc788\uc73c\uba70, \ud3b8\uc758\uc131, \ud6a8\uc728\uc131, \uadf8\ub9ac\uace0 \uc804\ubc18\uc801\uc778 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ud0b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\"\"

\uadf8\ub9bc 1: Wechat Pay \u2013 \uc0ac\uc6a9\uc790\ub97c \uc704\ud55c \uc6d0\uc2a4\ud1b1 \uc1fc\ud551 \uacbd\ud5d8<\/p><\/div>\n

\uacb0\uc81c \ucc98\ub9ac\uc5d0 \uae08\uc735 \uae30\ub2a5\uc774 \ub0b4\uc7a5\ub41c \ub300\ud45c\uc801\uc778 \uc0ac\ub840\ub294 \uc18c\uc15c \ubbf8\ub514\uc5b4\uc640 \uba54\uc2dc\uc9d5 \uc571, \ud2b9\ud788 \uc704\ucc57(WeChat)\uc785\ub2c8\ub2e4. \uc704\ucc57 \ud398\uc774\ub294 \uacb0\uc81c \ucc98\ub9ac\ub97c \uc704\ucc57 \uc571\uc5d0 \ud1b5\ud569\ud558\uc5ec \uc0ac\uc6a9\uc790\uac00 \uc571 \ub0b4\uc5d0\uc11c \uacb0\uc81c, \uc1a1\uae08, \uc2ec\uc9c0\uc5b4 \uacf5\uacfc\uae08 \ub0a9\ubd80\uae4c\uc9c0 \ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \uc0ac\uc6a9\uc790\ub294 \ucc44\ud305, \uc1fc\ud551, \uacb0\uc81c\ub97c \ud55c \uacf3\uc5d0\uc11c \ubaa8\ub450 \ucc98\ub9ac\ud560 \uc218 \uc788\ub294 \uc6d0\uc2a4\ud1b1 \uc1fc\ud551 \uacbd\ud5d8\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ub0b4\uc7a5\ud568\uc73c\ub85c\uc368 \uc704\ucc57\uc740 \ub2e8\uc21c\ud55c \uba54\uc2dc\uc9d5 \uc571\uc5d0\uc11c \ub2e4\uc591\ud55c \ud65c\ub3d9\uc744 \uc9c0\uc6d0\ud558\ub294 \ub2e4\uae30\ub2a5 \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud0c8\ubc14\uafc8\ud588\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udccc <\/span><\/span>\ub300\ucd9c: <\/span><\/b>\ub300\ucd9c\uc740 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc774 \uc0c1\ub2f9\ud55c \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub610 \ub2e4\ub978 \ubd84\uc57c\uc785\ub2c8\ub2e4. \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uc77c\ubc18\uc801\uc73c\ub85c API, SDK \ub610\ub294 \ud654\uc774\ud2b8 \ub77c\ubca8 \uc194\ub8e8\uc158\uc744 \ud1b5\ud574 \uad6c\ud604\ub418\uba70, \uc774\ub97c \ud1b5\ud574 \uc804\uc790\uc0c1\uac70\ub798 \uc0ac\uc774\ud2b8, \ub514\uc9c0\ud138 \uc9c0\uac11, \uae08\uc735 \uc571\uacfc \uac19\uc740 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0ac\uc6a9\uc790 \uc778\ud130\ud398\uc774\uc2a4 \ub0b4\uc5d0\uc11c \ubc14\ub85c '\uc9c0\uae08 \uad6c\ub9e4\ud558\uace0 \ub098\uc911\uc5d0 \uacb0\uc81c(BNPL)'\uc640 \uac19\uc740 \ub300\ucd9c \uc635\uc158\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc0ac\uc6a9\uc790\ub294 \uad6c\ub9e4\ud558\uac70\ub098 \uc790\uae08 \uc870\ub2ec\uc774 \ud544\uc694\ud560 \ub54c \ud50c\ub7ab\ud3fc \ub0b4\uc5d0\uc11c \ub300\ucd9c\uc744 \uc2e0\uccad\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud50c\ub7ab\ud3fc \ub610\ub294 \uc81c3\uc790 \uc11c\ube44\uc2a4\uc758 \ub370\uc774\ud130\ub97c \ud65c\uc6a9\ud558\uc5ec \uc2e4\uc2dc\uac04 \uc2e0\uc6a9 \ud3c9\uac00\uac00 \uc218\ud589\ub418\uace0, \uc870\uac74\uc774 \ud3ec\ud568\ub41c \uc989\uac01\uc801\uc778 \uc2b9\uc778\uc774 \uc0ac\uc6a9\uc790\uc5d0\uac8c \uc81c\uacf5\ub429\ub2c8\ub2e4. \uc2b9\uc778\ub418\uba74 \uc790\uae08\uc774 \uc9c1\uc811 \uc9c0\uae09\ub418\uac70\ub098 \uad6c\ub9e4\uc5d0 \uc801\uc6a9\ub418\uba70, \uc0c1\ud658\uc740 \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \uc790\ub3d9\ud654\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udccc <\/span><\/span>\ubcf4\ud5d8: <\/span><\/b>\ubcf4\ud5d8\uc5d0 \ub0b4\uc7a5\ub41c \uae08\uc735 \uc11c\ube44\uc2a4\ub294 \ub2e4\uc591\ud55c \uc0c1\ud488 \ubc0f \uc11c\ube44\uc2a4\uc758 \ud310\ub9e4 \uacfc\uc815\uc5d0 \ubcf4\ud5d8 \uc635\uc158\uc744 \uc9c1\uc811 \ud1b5\ud569\ud558\uc5ec \uace0\uac1d\uc774 \uad6c\ub9e4 \uacfc\uc815\uc5d0\uc11c \uc27d\uac8c \ubcf4\ud5d8\uc744 \ucd94\uac00\ud560 \uc218 \uc788\ub3c4\ub85d \ud558\ub294 \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, \uc775\uc2a4\ud53c\ub514\uc544\uc640 \uac19\uc740 \uc5ec\ud589 \uc6f9\uc0ac\uc774\ud2b8\uc5d0\uc11c \ud56d\uacf5\ud3b8\uc744 \uc608\uc57d\ud560 \uacbd\uc6b0, \uacb0\uc81c \uacfc\uc815\uc5d0\uc11c \uc5ec\ud589\uc790 \ubcf4\ud5d8\uc744 \uad6c\ub9e4\ud560 \uc218 \uc788\ub294 \uc635\uc158\uc774 \uc81c\uacf5\ub429\ub2c8\ub2e4. \ub9c8\ucc2c\uac00\uc9c0\ub85c, \uc81c\uc870\uc5c5\uccb4\uc5d0\uc11c \uc2e0\ucc28\ub97c \uad6c\ub9e4\ud560 \uacbd\uc6b0, \uad6c\ub9e4\uc790\ub294 \ud604\uc7a5\uc5d0\uc11c \ucc28\ub7c9 \ubcf4\ud5d8\uc744 \uc120\ud0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud1b5\ud569 \ub355\ubd84\uc5d0 \uace0\uac1d\uc740 \ubcc4\ub3c4\uc758 \ubcf4\ud5d8 \uc6f9\uc0ac\uc774\ud2b8\ub098 \ub300\ub9ac\uc810\uc744 \ubc29\ubb38\ud560 \ud544\uc694 \uc5c6\uc774, \uc8fc\uc694 \uac70\ub798\ub97c \uc644\ub8cc\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc989\uc2dc \ubcf4\ud5d8\uc5d0 \uac00\uc785\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\"\"

\uadf8\ub9bc 2: \uc775\uc2a4\ud53c\ub514\uc544 \uc5ec\ud589 \ubcf4\ud5d8 \uad6c\ub9e4<\/p><\/div>\n

<\/span>\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uacbd\uc81c\uc801 \uc601\ud5a5<\/span><\/b>\u00a0<\/span><\/span><\/h2>\n

<\/span>1. \ube44\uc6a9 \uc808\uac10<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\ud83d\udd3b<\/span>\uc6b4\uc601 \ud6a8\uc728\uc131\u00a0<\/strong><\/p>\n

\ud504\ub85c\uc138\uc2a4\ub97c \uac04\uc18c\ud654\ud558\uace0 \uad00\ub9ac \ube44\uc6a9\uc744 \uc904\uc784\uc73c\ub85c\uc368 \uae30\uc5c5\uc740 \uc0c1\ub2f9\ud55c \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. Stripe\uc640 \uac19\uc740 \ud1b5\ud569 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud558\ub294 \uc911\uacac \uc628\ub77c\uc778 \uc18c\ub9e4\uc5c5\uccb4\ub97c \uc0dd\uac01\ud574 \ubcf4\uc138\uc694. \uc790\ub3d9\ud654\ub41c \uacb0\uc81c \ucc98\ub9ac\ub97c \ud1b5\ud574 \uc774 \uc18c\ub9e4\uc5c5\uccb4\ub294 \uc218\ub3d9 \uad00\ub9ac \uc5c6\uc774 \ub9e4\uc77c \uc218\ucc9c \uac74\uc758 \uac70\ub798\ub97c \ucc98\ub9ac\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud6a8\uc728\uc131\uc740 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ud604\uae08 \ud750\ub984\uc744 \uac1c\uc120\ud558\uc5ec \uae30\uc5c5\uc774 \uc808\uac10\ub41c \ube44\uc6a9\uc744 \uc131\uc7a5 \uacc4\ud68d\uc5d0 \uc7ac\ud22c\uc790\ud560 \uc218 \uc788\ub3c4\ub85d \ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd3b\uace0\uac1d \ud655\ubcf4 \ubc0f \uc720\uc9c0<\/strong><\/span>\u00a0<\/strong><\/p>\n

BNPL \uc635\uc158\uc774\ub098 \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\uacfc \uac19\uc740 \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uc740 \uace0\uac1d\uc744 \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \uc720\uce58\ud558\uace0 \uc720\uc9c0\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub9de\ucda4\ud615 \uc194\ub8e8\uc158\uc740 \uace0\uac1d \ucda9\uc131\ub3c4\ub97c \ub192\uc774\uace0 \uace0\uac1d \uc0dd\uc560 \uac00\uce58\ub97c \ub192\uc5ec \uace0\uac1d \uc720\uce58 \ubc0f \uc720\uc9c0 \ube44\uc6a9\uc744 \ud06c\uac8c \uc808\uac10\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc608\ub97c \ub4e4\uc5b4, \uc628\ub77c\uc778 \uc758\ub958 \uc18c\ub9e4\uc5c5\uccb4\uac00 \ub3c5\uc810 \ub9ac\uc6cc\ub4dc \ud61c\ud0dd\uc744 \uc81c\uacf5\ud558\ub294 \ube0c\ub79c\ub4dc \uc2e0\uc6a9\uce74\ub4dc\ub97c \uc81c\uacf5\ud558\uba74 \ucda9\uc131\ub3c4 \ub192\uc740 \uace0\uac1d \uae30\ubc18\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ub9de\ucda4\ud615 \uae08\uc735 \uc0c1\ud488\uc740 \uc7ac\uad6c\ub9e4\ub97c \uc720\ub3c4\ud558\uace0, \ud3c9\uade0 \uc8fc\ubb38 \uae08\uc561\uc744 \ub192\uc774\uba70, \uace0\uac1d \uc774\ud0c8\ub960\uc744 \ub0ae\ucda5\ub2c8\ub2e4. \uacb0\uacfc\uc801\uc73c\ub85c \uc18c\ub9e4\uc5c5\uccb4\ub294 \uc2e0\uaddc \uace0\uac1d \uc720\uce58 \ube44\uc6a9\uc744 \uc808\uac10\ud558\uace0 \uae30\uc874 \uace0\uac1d \uc720\uc9c0\ub97c \ub354\uc6b1 \ud6a8\uacfc\uc801\uc73c\ub85c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd3b\uaddc\uc815 \uc900\uc218<\/strong><\/span>\u00a0<\/strong><\/p>\n

\uc790\ub3d9\ud654\ub41c KYC(\uace0\uac1d \uc2e0\uc6d0 \ud655\uc778) \ubc0f AML(\uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0) \ud655\uc778\uacfc \uac19\uc740 \ud1b5\ud569 \uaddc\uc815 \uc900\uc218 \uae30\ub2a5\uc740 \uaddc\uc81c \uc808\ucc28\ub97c \uac04\uc18c\ud654\ud558\uace0 \uaddc\uc815 \uc704\ubc18 \uc704\ud5d8\uc744 \uc904\uc5ec\uc90d\ub2c8\ub2e4. \ub2e8 \uba87 \ubc88\uc758 \ud074\ub9ad\ub9cc\uc73c\ub85c \uc2e0\uaddc \uace0\uac1d\uc744 \uc720\uce58\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc644\ubcbd\ud55c \uaddc\uc815 \uc900\uc218\ub97c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc790\ub3d9\ud654 \uc194\ub8e8\uc158\uc740 \uc6b4\uc601\uc744 \uac04\uc18c\ud654\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc218\ub3d9 \uaddc\uc815 \uc900\uc218 \uc791\uc5c5\uc5d0 \ub530\ub978 \ub9c9\ub300\ud55c \ube44\uc6a9\uc744 \uc808\uac10\ud574 \uc90d\ub2c8\ub2e4.\u00a0<\/span>\u00a0<\/span><\/p>\n

\ub300\uaddc\ubaa8 \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4 \ud300 \uc5c6\uc774\ub3c4 \uc2e0\uc18d\ud558\uac8c \uc2e0\uaddc \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0, \uc624\ub958\ub97c \ud06c\uac8c \uc904\uc774\uba70, \ubaa8\ub4e0 \uaddc\uc81c \uae30\uc900\uc744 \ucda9\uc871\ud558\ub294 \ud68c\uc0ac\ub97c \uc0c1\uc0c1\ud574 \ubcf4\uc138\uc694. \uc774\ub7ec\ud55c \ubcc0\ud654\ub294 \uc0c1\ub2f9\ud55c \ube44\uc6a9\uc744 \uc808\uac10\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c \ube44\uc988\ub2c8\uc2a4 \uc131\uc7a5\uc744 \uac00\uc18d\ud654\ud558\uc5ec \ucef4\ud50c\ub77c\uc774\uc5b8\uc2a4\ub97c \uace0\uac1d \uc5ec\uc815\uc758 \uc6d0\ud65c\ud558\uace0 \ud544\uc218\uc801\uc778 \ubd80\ubd84\uc73c\ub85c \ub9cc\ub4e4\uc5b4\uc90d\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>2. \uc218\uc775 \uae30\ud68c<\/span><\/b>\u00a0<\/span><\/span><\/h3>\n

\ud83d\udd3b\uc0c8\ub85c\uc6b4 \uc218\uc775\uc6d0<\/strong><\/span>\u00a0<\/strong><\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ube44\uae08\uc735 \uc0c1\ud488\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ud558\uc5ec \ud601\uc2e0\uc801\uc778 \uc218\uc775\uc6d0\uc744 \ucc3d\ucd9c\ud569\ub2c8\ub2e4. \uc790\uccb4 \ube0c\ub79c\ub4dc \uc2e0\uc6a9\uce74\ub4dc, \uc120\ubd88, \ud6c4\ubd88(BNPL) \uc635\uc158, \uadf8\ub9ac\uace0 \uc784\ubca0\ub514\ub4dc \ubcf4\ud5d8 \uc0c1\ud488\uc744 \uc81c\uacf5\ud558\uba74 \uc18c\uae30\uc5c5\uc774 \uc790\uae08\uc744 \uc989\uc2dc \uc870\ub2ec\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud558\uc5ec \uc131\uc7a5\uc744 \ucd09\uc9c4\ud560 \ubfd0\ub9cc \uc544\ub2c8\ub77c, \uc774\uc790\uc640 \uc218\uc218\ub8cc\ub97c \ud1b5\ud574 \uc2dc\uc7a5\uc758 \ucd94\uac00 \uc218\uc775\uc744 \ucc3d\ucd9c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \ud1b5\ud574 \ud50c\ub7ab\ud3fc\uacfc \ud310\ub9e4\uc790 \ubaa8\ub450\uac00 \ubc88\uc601\ud558\ub294 \uc0c1\uc0dd \uad00\uacc4\uac00 \ud615\uc131\ub418\uc5b4 \ub354\uc6b1 \uc5ed\ub3d9\uc801\uc774\uace0 \uc7ac\uc815\uc801\uc73c\ub85c \ud68c\ubcf5\ub825\uc774 \ub6f0\uc5b4\ub09c \uc0dd\ud0dc\uacc4\ub97c \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd3b\ud5a5\uc0c1\ub41c \uace0\uac1d \uacbd\ud5d8<\/strong><\/span>\u00a0<\/strong><\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc758 \uc8fc\uc694 \uc774\uc810\uc740 \ud5a5\uc0c1\ub41c \uace0\uac1d \uacbd\ud5d8\uc785\ub2c8\ub2e4. \uc6d0\ud65c\ud55c \uacb0\uc81c \uc194\ub8e8\uc158, \uac1c\uc778 \ub9de\ucda4\ud615 \ub300\ucd9c \uc635\uc158, \ud1b5\ud569 \ubcf4\ud5d8 \uc0c1\ud488\uc740 \uace0\uac1d \ucc38\uc5ec\ub3c4\uc640 \ub9cc\uc871\ub3c4\ub97c \ub192\uc5ec\uc90d\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud5a5\uc0c1\ub41c \uacbd\ud5d8\uc740 \ub9e4\ucd9c \uc99d\ub300, \uc7ac\uad6c\ub9e4\uc728 \uc99d\uac00, \uadf8\ub9ac\uace0 \uae0d\uc815\uc801\uc778 \uc785\uc18c\ubb38\uc73c\ub85c \uc774\uc5b4\uc838 \uad81\uadf9\uc801\uc73c\ub85c \ub9e4\ucd9c \uc99d\ub300\ub85c \uc774\uc5b4\uc9d1\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\ud83d\udd3b\ub370\uc774\ud130 \uc218\uc775\ud654<\/strong><\/span>\u00a0<\/strong><\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uae30\uc5c5\uc774 \uc7ac\ubb34 \ub370\uc774\ud130\ub97c \uc218\uc775\ud654\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uac70\ub798 \ub370\uc774\ud130\ub97c \ubd84\uc11d\ud568\uc73c\ub85c\uc368 \uae30\uc5c5\uc740 \uace0\uac1d \ud589\ub3d9\uacfc \uc120\ud638\ub3c4\uc5d0 \ub300\ud55c \uadc0\uc911\ud55c \uc778\uc0ac\uc774\ud2b8\ub97c \ud655\ubcf4\ud558\uc5ec \ud0c0\uac9f \ub9c8\ucf00\ud305\uacfc \uad50\ucc28 \ud310\ub9e4\ub97c \uc2e4\ud604\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub370\uc774\ud130 \uae30\ubc18 \uc811\uadfc \ubc29\uc2dd\uc740 \ub9c8\ucf00\ud305 \ud6a8\uacfc\ub97c \ub192\uc774\uace0 \ub9e4\ucd9c\uc744 \ub298\ub9ac\uba70 \ucd94\uac00 \uc218\uc775\uc744 \ucc3d\ucd9c\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>\uacfc\uc81c \ubc0f \uace0\ub824 \uc0ac\ud56d<\/span><\/b>\u00a0<\/span><\/span><\/h2>\n

\u25fe<\/span><\/span><\/span><\/span><\/strong>\u00a0<\/span><\/span><\/span><\/b>\uad6c\ud604 \ube44\uc6a9:<\/strong> \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc740 \uc0c1\ub2f9\ud55c \uc774\uc810\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uae30\uc874 \ud50c\ub7ab\ud3fc\uc5d0 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud558\ub824\uba74 \uc0c1\ub2f9\ud55c \uae30\uc220\uacfc \uc804\ubb38 \uc9c0\uc2dd \ud22c\uc790\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uae30\uc5c5\uc740 \uac1c\ubc1c, \ud14c\uc2a4\ud2b8 \ubc0f \uc9c0\uc18d\uc801\uc778 \uc720\uc9c0 \uad00\ub9ac\ub97c \uc704\ud574 \uc790\uc6d0\uc744 \ud560\ub2f9\ud574\uc57c \ud569\ub2c8\ub2e4. \ud2b9\ud788 \uc608\uc0b0\uc774 \ubd80\uc871\ud55c \uc18c\uaddc\ubaa8 \uae30\uc5c5\uc758 \uacbd\uc6b0 \ucd08\uae30 \ube44\uc6a9\uc774 \uc0c1\ub2f9\ud788 \ub9ce\uc774 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\u25fe<\/span><\/span><\/span><\/span><\/strong>\u00a0<\/span><\/span><\/span><\/b>\uaddc\uc81c \ubc0f \uaddc\uc815 \uc900\uc218 \uc704\ud5d8:<\/strong> \ubcf5\uc7a1\ud55c \uae08\uc735 \uaddc\uc81c\ub97c \ud5e4\uccd0\ub098\uac00\ub294 \uac83\uc740 \uc784\ubca0\ub514\ub4dc \uae08\uc735\uc744 \ud1b5\ud569\ud558\ub294 \uae30\uc5c5\uc5d0\uac8c \ub9e4\uc6b0 \uc911\uc694\ud55c \uacfc\uc81c\uc785\ub2c8\ub2e4. \uc5ec\ub7ec \uc9c0\uc5ed\uc758 \ub2e4\uc591\ud55c \uaddc\uc81c\ub97c \uc900\uc218\ud558\ub824\uba74 \uacac\uace0\ud55c \uc2dc\uc2a4\ud15c\uacfc \ud504\ub85c\uc138\uc2a4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \uaddc\uc81c \uae30\uc900\uc744 \uc900\uc218\ud558\uc9c0 \uc54a\uc744 \uacbd\uc6b0 \ub9c9\ub300\ud55c \ubc8c\uae08\uacfc \ud3c9\ud310 \uc190\uc0c1\uc73c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\u25fe<\/span><\/span><\/span><\/span><\/strong>\u00a0<\/span><\/span><\/span><\/b>\ub370\uc774\ud130 \ubcf4\uc548 \ubc0f \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638:<\/strong> \ubbfc\uac10\ud55c \uae08\uc735 \ub370\uc774\ud130\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud55c \uac15\ub825\ud55c \ubcf4\uc548 \uc870\uce58\ub97c \ub9c8\ub828\ud558\ub294 \uac83\uc774 \ubb34\uc5c7\ubcf4\ub2e4 \uc911\uc694\ud569\ub2c8\ub2e4. \ub370\uc774\ud130 \uc720\ucd9c\uacfc \uc0ac\uc774\ubc84 \uacf5\uaca9\uc740 \uc2ec\uac01\ud55c \uc7ac\uc815\uc801, \ud3c9\ud310\uc801 \uc190\uc2e4\uc744 \ucd08\ub798\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uae30\uc5c5\uc740 \uace0\uac1d \uc815\ubcf4\ub97c \ubcf4\ud638\ud558\uae30 \uc704\ud574 \ucca8\ub2e8 \ubcf4\uc548 \uae30\uc220\uacfc \ubcf4\uc548 \uad00\ud589\uc5d0 \ud22c\uc790\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

<\/span>\uc0ac\ub840 \uc5f0\uad6c: Walmart Pay\uc640 \uad00\ub828\ub41c Walmart\uc758 \uc5b4\ub824\uc6c0<\/span><\/b>\u00a0<\/span><\/span><\/h2>\n

\uc6d4\ub9c8\ud2b8\uac00 \uc6d4\ub9c8\ud2b8 \ud398\uc774 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \ud1b5\ud569\ud558\ub824\ub294 \uc2dc\ub3c4\ub294 \uc560\ud50c \ud398\uc774\ub098 \uad6c\uae00 \uc6d4\ub81b\uacfc \uac19\uc740 \ub2e4\ub978 \ub514\uc9c0\ud138 \uc9c0\uac11\uacfc \uacbd\uc7c1\ud558\uae30 \uc704\ud55c \uac83\uc774\uc5c8\uc2b5\ub2c8\ub2e4. \ubaa9\ud45c\ub294 \uacb0\uc81c \uc808\ucc28\ub97c \uac04\uc18c\ud654\ud558\uace0 \uae08\uc735 \uac70\ub798\ub97c \uc6d4\ub9c8\ud2b8 \uc0dd\ud0dc\uacc4\uc5d0 \uc9c1\uc811 \ud1b5\ud569\ud558\ub294 \uac83\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\"\"

\uadf8\ub9bc 3: Walmart Pay\uac00 \uc791\ub3d9\ud558\uc9c0 \uc54a\uc74c<\/p><\/div>\n

\uadf8\ub7ec\ub098 Walmart Pay\ub294 \uc138 \uac00\uc9c0 \uc8fc\uc694 \uc774\uc720\ub85c \uc778\uae30\ub97c \uc5bb\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5c8\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\u25fe<\/span><\/span><\/span><\/span><\/span>\uc18c\ube44\uc790 \ucc44\ud0dd: <\/strong>\uacbd\uc7c1\uc0ac\uc640 \ub2ec\ub9ac Walmart Pay\ub294 \uacb0\uc81c \uc2dc Walmart \uc571\uc744 \uc5f4\uace0 QR \ucf54\ub4dc\ub97c \uc2a4\uce94\ud574\uc57c \ud588\uc2b5\ub2c8\ub2e4. \uc774 \ucd94\uac00 \ub2e8\uacc4\ub294 \ub2e4\ub978 \ubaa8\ubc14\uc77c \uc9c0\uac11\uc774 \uc81c\uacf5\ud558\ub294 \ud0ed\uc564\uace0(tap-and-go) \ubc29\uc2dd\uc758 \ud3b8\ub9ac\ud568\uc5d0 \ube44\ud574 \ubc88\uac70\ub85c\uc6e0\uc2b5\ub2c8\ub2e4.<\/p>\n

\u25fe<\/span><\/span><\/span><\/span>\uc81c\ud55c\ub41c \ud638\ud658\uc131:<\/strong> \uc6d4\ub9c8\ud2b8 \ud398\uc774\ub294 \uc5ec\ub7ec \uc18c\ub9e4\uc5c5\uccb4\uc640 \uc628\ub77c\uc778 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc0ac\uc6a9\ud560 \uc218 \uc788\ub294 \ubc94\uc6a9 \ub514\uc9c0\ud138 \uc9c0\uac11\uacfc \ub2ec\ub9ac \uc6d4\ub9c8\ud2b8 \ub9e4\uc7a5 \ub0b4\uc5d0\uc11c\ub9cc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc81c\ud55c\uc73c\ub85c \uc778\ud574 \uad11\ubc94\uc704\ud55c \ub3c4\uc785\uc774 \uc800\ud574\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n

\u25fe<\/span><\/span><\/span><\/span>\ud1b5\ud569 \ubb38\uc81c: <\/strong>\uc6d4\ub9c8\ud2b8 \ud398\uc774\ub294 \ub2e4\ub978 \uae08\uc735 \uc11c\ube44\uc2a4 \ubc0f \ub85c\uc5f4\ud2f0 \ud504\ub85c\uadf8\ub7a8\uacfc \uc6d0\ud65c\ud558\uac8c \uc5f0\ub3d9\ub418\uc9c0 \uc54a\uc558\uc2b5\ub2c8\ub2e4. \uc0ac\uc6a9\uc790\ub4e4\uc740 \uacb0\uc81c \uc218\ub2e8\uc744 \uc5f0\uacb0\ud558\uace0 \uacb0\uc81c \uacfc\uc815\uc5d0\uc11c \ud560\uc778\uc774\ub098 \ub9ac\uc6cc\ub4dc\ub97c \uc801\uc6a9\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n

\uadf8 \uacb0\uacfc, \uc6d4\ub9c8<\/span>\ud2f0<\/span> \ud398\uc774\ub294 \uae30\ub300\ud588\ub358 \uc131\uacf5\uc744 \uac70\ub450\uc9c0 \ubabb\ud588\uc73c\uba70, \uacbd\uc7c1\ub825 \uc788\ub294 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc11c\ube44\uc2a4\ub85c \uc790\ub9ac\ub9e4\uae40\ud558\ub294 \ub370 \uc2e4\ud328\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc0ac\ub840\ub294 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc194\ub8e8\uc158\uc744 \uc131\uacf5\uc801\uc73c\ub85c \uad6c\ud604\ud558\ub294 \ub370 \uc788\uc5b4 \uc0ac\uc6a9\uc790 \ud3b8\uc758\uc131, \ud3ed\ub113\uc740 \ud638\ud658\uc131, \uadf8\ub9ac\uace0 \uc6d0\ud65c\ud55c \ud1b5\ud569\uc774 \uc5bc\ub9c8\ub098 \uc911\uc694\ud55c\uc9c0\ub97c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735 \ubd84\uc57c\uc5d0 \uc9c4\ucd9c\ud558\ub824\ub294 \uae30\uc5c5\uc758 \uacbd\uc6b0, \uc774\ub7ec\ud55c \uacfc\uc81c\ub97c \uc774\ud574\ud558\uace0 \ud574\uacb0\ud558\ub294 \uac83\uc774 \uc720\uc0ac\ud55c \ud568\uc815\uc744 \ud53c\ud558\uace0 \uc774\ub7ec\ud55c \ud601\uc2e0\uc801 \uc194\ub8e8\uc158\uc758 \uc7a0\uc7ac\ub825\uc744 \ucd5c\ub300\ud55c \ud65c\uc6a9\ud558\ub294 \ub370 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

<\/span>SmartDev\ub85c \ube44\uc988\ub2c8\uc2a4\ub97c \ud601\uc2e0\ud558\uc138\uc694<\/span><\/b><\/span><\/h2>\n

\uae08\uc735 \uc11c\ube44\uc2a4\uac00 \ube44\uae08\uc735 \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc810\uc810 \ub354 \ud1b5\ud569\ub428\uc5d0 \ub530\ub77c, \uae30\uc5c5\uc740 \uc11c\ube44\uc2a4 \ud488\uc9c8\uc744 \ub192\uc774\uace0 \uc9c0\uc18d \uac00\ub2a5\ud55c \uc131\uc7a5\uc744 \ub2ec\uc131\ud560 \uc218 \uc788\ub294 \ud2b9\ubcc4\ud55c \uae30\ud68c\ub97c \uc5bb\uac8c \ub429\ub2c8\ub2e4. \ub0b4\uc7a5\ud615 \uae08\uc735 \uc194\ub8e8\uc158\uc744 \ub3c4\uc785\ud568\uc73c\ub85c\uc368 \uae30\uc5c5\uc740 \ud601\uc2e0\uc758 \uc120\ub450\uc5d0 \uc11c\uc11c \uacbd\uc7c1\uc774 \uce58\uc5f4\ud574\uc9c0\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc7a5\uae30\uc801\uc778 \uc131\uacf5\uc744 \uac70\ub458 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/span>\u00a0<\/span><\/p>\n

\uc784\ubca0\ub514\ub4dc \uae08\uc735 \uc194\ub8e8\uc158\uc744 \ud0d0\uc0c9\ud558\uace0 \ud22c\uc790\ud560 \uc900\ube44\uac00 \ub418\uc168\ub2e4\uba74 \uc9c0\uae08\uc774 \uc801\uae30\uc785\ub2c8\ub2e4. \uc120\ud0dd\ud558\uc138\uc694.\u00a0<\/span>\uc2a4\ub9c8\ud2b8\ub370\ube0c<\/span><\/b><\/a>\u00a0\uace0\uac1d\uc758 \ud2b9\uc815 \ub2c8\uc988\uc5d0 \ub9de\ucdb0 \uc124\uacc4\ub41c \ub9de\ucda4\ud615 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ud540\ud14c\ud06c \ubc0f \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ubd84\uc57c\uc5d0\uc11c \ud48d\ubd80\ud55c \uacbd\ud5d8\uc744 \ubc14\ud0d5\uc73c\ub85c, \uace0\uac1d\uc758 \ube44\uc988\ub2c8\uc2a4\uc640 \ud568\uaed8 \uc131\uc7a5\ud558\ub294 \ud655\uc7a5 \uac00\ub2a5\ud558\uace0 \uc548\uc804\ud558\uba70 \ud601\uc2e0\uc801\uc778 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.\u00a0<\/span>\ud540\ud14c\ud06c \uc11c\ube44\uc2a4<\/span><\/a>\u00a0\uc9c0\uae08 \ub2f9\uc7a5 \uadc0\ud558\uc758 \uc0ac\uc5c5\uc744 \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4! <\/span>\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Imagine you’re shopping online for a new pair of shoes. You find the perfect pair,…<\/p>","protected":false},"author":13,"featured_media":26051,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[50],"tags":[],"class_list":{"0":"post-25552","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-case-study"},"acf":[],"yoast_head":"\nThe Economics of Embedded Finance: Cost Savings and Revenue Opportunities | 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\/the-economics-of-embedded-finance-cost-savings-and-revenue-opportunities\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Economics of Embedded Finance: Cost Savings and Revenue Opportunities | SmartDev\" \/>\n<meta property=\"og:description\" content=\"Imagine you’re shopping online for a new pair of shoes. 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