±ÞÁõÇÏ´Â ¡®ÈİáÁ¦¡¯¡¦ ½Å¿ëÁ¡¼ö¿¡ ¹Ý¿µµÈ´Ù
By tzwxxxx Posted: 2025-07-03 13:28:14

¢º Æò°¡»ç, »êÁ¤±âÁØ Àû¿ë

¢º ¸¹Àº ¼ÒºñÀÚ ½Å¿ë ¾ÇÈ­
¢º »ç¿ëÀÚ 41%³ª °áÁ¦ ¿¬Ã¼

 

 

°æ±âµÐÈ­ ¼Ó¿¡ ‘¼±±¸¸Å·ÈİáÁ¦’(Buy Now, Pay Later·BNPL) ¹æ½ÄÀ¸·Î ¹°°ÇÀ» ±¸¸ÅÇÏ´Â ¼ÒºñÀÚµéÀÌ ±ÞÁõÇϰí ÀÖ´Â °¡¿îµ¥, À̰°Àº ÈĺҰáÁ¦ »ç¿ë ÀÌ·ÂÀÌ ½Å¿ëÁ¡¼ö¿¡ »õ·Î ¹Ý¿µµÈ´Ù.

½Å¿ëÆò°¡»ç ÆÄÀÌÄÚ(FICO)´Â BNPL µ¥ÀÌÅ͸¦ ¹Ý¿µÇÑ »õ·Î¿î ½Å¿ëÁ¡¼ö ¸ðµ¨ ‘FICO ½ºÄÚ¾î 10 BNPL’°ú ‘FICO ½ºÄÚ¾î 10 T BNPL’À» ¹ßÇ¥Çϸç ÀÌ´ÞºÎÅÍ Àû¿ëÀÌ ½ÃÀÛµÆ´Ù°í ¹àÇû´Ù. ÀÌ´Â ÁÖ¿ä ½Å¿ëÆò°¡»ç Áß Ã³À½À¸·Î ¼±±¸¸Å·ÈİáÁ¦ Á¤º¸¸¦ Á¤½ÄÀ¸·Î ½Å¿ëÁ¡¼ö »êÁ¤¿¡ Æ÷ÇÔÇÑ °ÍÀ¸·Î ¾ÕÀ¸·Î ¾÷°è Àü¹ÝÀ¸·Î È®»êµÉ °ÍÀÌ È®½Ç½Ã µÈ´Ù.

¾÷°è´Â »õ·Î¿î Æò°¡ ±âÁØ µµÀÔÀ¸·Î ¹Ì±¹ ³» ¸¹Àº ¼ÒºñÀÚµéÀÇ ½Å¿ëÁ¡¼ö°¡ ¾ÇÈ­µÉ °ÍÀ¸·Î Àü¸ÁÇß´Ù. ½Å¿ëÁ¡¼ö ¾ÇÈ­´Â ¹Ì±¹¿¡¼­ ÁýÀ̳ª ÀÚµ¿Â÷¸¦ »ç°Å³ª, Å©·¹µ÷Ä«µå¸¦ »ç¿ëÇÒ ¶§ ´õ ³ôÀº ±Ý¸®¸¦ ºÎ´ãÇØ¾ß Çϰųª ¾Æ¿¹ ÁýÀ̳ª ÀÚµ¿Â÷ ±¸¸Å°¡ ºÒ°¡´ÉÇØÁú ¼ö ÀÖ´Ù.

¼±±¸¸Å·ÈİáÁ¦ ¼­ºñ½º´Â Äڷγª19 ÆÒµ¥¹Í ÀÌÈÄ ¹°°¡ »ó½Â°ú °í±Ý¸®, ÇÐÀÚ±Ý »óȯ Àç°³ µîÀ¸·Î °¡°è ºÎ´ãÀÌ Ä¿Áø »óȲ¿¡¼­ Å©°Ô Àα⸦ ²ø¸ç »ç¿ë °Ç¼ö¿Í ±Ô¸ð°¡ ±ÞÁõÇϰí ÀÖ´Ù. ¾ÖÇÁÅÍÆäÀÌ(Afterpay), Ŭ¶ó¸£³ª(Klarna), ¾îÆß(Affirm), ÆäÀÌÆÈ(PayPal) µîÀÇ BNPL ¼­ºñ½º´Â ÀÏÁ¤ ±â°£ ¹«ÀÌÀÚ ¶Ç´Â ¼ö¼ö·á ¾øÀÌ °áÁ¦¸¦ ºÐÇÒÇÒ ¼ö ÀÖµµ·Ï À¯µµÇϰí ÀÖ´Ù. ¼­ºñ½º ¾÷üµéÀº ±¸¸ÅÀÚµéÀÇ ½Å¿ëµµ¿Í °ü°è¾øÀÌ ¹«Â÷º°ÀûÀ¸·Î ÀÌ¿ëÀ» µ¶·ÁÇϰí ÀÖ´Ù.

±×·¯³ª ¼ÒºñÀÚ º¸È£´ÜüµéÀº BNPL ¼­ºñ½º°¡ °ú¼Òºñ¸¦ Á¶ÀåÇÒ ¼ö ÀÖÀ¸¸ç ¼Òµæ¿¡ ¸ÂÁö ¾Ê´Â ±Ô¸ðÀÇ ¹°°Ç ±¸ÀÔÀ» ´Ã·Á ¼­¹ÎÃþÀÌ ºÎäÀÇ ´Ë¿¡ ºüÁú ¼ö ÀÖ´Ù°í °æ°íÇϰí ÀÖ´Ù. ÈĺҰáÁ¦ ¼­ºñ½º Áß ÀϺδ ƯÁ¤ Á¶°Ç¿¡¼­ ³ôÀº ÀÌÀÚ°¡ ºÎ°úµÇ¸ç, °áÁ¦ °èÁ¿¡ ÀÜ°í°¡ ºÎÁ·ÇÒ °æ¿ì ¿¬Ã¼·á°¡ ¹ß»ýÇÏ´Â µî À§Çè ¿ä¼Òµµ ÀÖ¾î ÁÖÀǰ¡ ÇÊ¿äÇÏ´Ù.

BNPL´Â µµÀÔ Ã³±â¿¡´Â ÀüÀÚÁ¦Ç°À̳ª °¡ÀüÁ¦Ç° ±¸¸Å¿¡ ÁÖ·Î ÀÌ¿ëµÆÁö¸¸, ÃÖ±Ù¿¡´Â »ýÇÊǰ ±¸¸Å¿¡µµ Ȱ¿ëµÇ°í ÀÖ´Ù. ½ÇÁ¦ ¼Òºñ ¹èü ·»µùÆ®¸®¿¡ µû¸£¸é BNPL ÀÌ¿ëÀÚÀÇ 25%°¡ ½Ä·áǰ ±¸¸Å¿¡ ÇØ´ç ¼­ºñ½º¸¦ ÀÌ¿ëÇÑ °ÍÀ¸·Î ³ªÅ¸³µÀ¸¸ç, ÀÌ´Â 1³â Àüº¸´Ù 11%Æ÷ÀÎÆ® Áõ°¡ÇÑ ¼öÄ¡´Ù.

·»µùÆ®¸®ÀÇ Áö³­ÇØ Á¶»ç¿¡¼­´Â ÀÀ´äÀÚÀÇ 14%¸¸ ¼­ºñ½º ÀÌ¿ë °æÇèÀÌ ÀÖ´Ù°í ´äÇß´Ù. ¶ÇÇÑ ÀÌ¿ë °æÇèÀÚ Áß 41%´Â °áÁ¦¸¦ ¿¬Ã¼ÇÑ ÀûÀÌ ÀÖ´Ù°í ´äÇß´Ù. Áö³­ÇØ Á¶»ç¿¡¼± ÀÌ ºñÁßÀÌ 34%¿´´Ù.

 

 

Ãâó : ¹ÌÁÖÇѱ¹ÀϺ¸

Title View
[°øÁö] Ãë¾÷ Àü¿¡ ¾Èº¸¸é ¹«Á¶°Ç ÈÄȸÇÏ´Â ¿µ»ó
09/03/2024
[°øÁö] Part-time °Ô½ÃÆÇ °øÁö»çÇ×
02/12/2021
½Ç¾÷¼ö´ç û±¸ 21°³¿ù·¡ ÃÖ°í
Job & Work Life
7044
½Ã¾ÖƲ Ç׸¸, ³ëÁ¶¿ÍÀÇ °¥µî¿¡ °á±¹ Æó¼â
Job & Work Life
7308
1³â ÈÄ ±â´ëÀÎÇ÷¹ 4.1%·Î µÐÈ­¡¦2³â ¸¸¿¡ ÃÖÀú ¼öÁØ
Talk & Talk
5708
¸¶Àϸ®Áö·Î ±â³»¸é¼¼Ç° ±¸¸Å °¡´É
Travel & Food
6921
Çѱ¹ °ÅÁÖ ½Ã¹Î±Ç¡¤¿µÁÖ±ÇÀÚ, ¾ÏȣȭÆó °èÁµµ ½Å°íÇØ¾ß
Tax & Salary
5822
Èú¸µÀÌ ÇÊ¿äÇØ¡¦¶°³ªÀÚ~Ä·ÇÎ
Travel & Food
3259
¿©Çà°´ ´Ã¸é¼­ TSAÇÁ¸®Ã¼Å©¡¤GE Àαâ
Travel & Food
4776
6¿ù¸¸ ±Ý¸®ÀÎ»ó ¸ØÃã?¡¦\'Åõ ¸®Æ²\'°ú \'Åõ ¸ÓÄ¡\'¼­ °í³úÇÏ´Â Fed
Talk & Talk
2667
·»Æ® Ä¡¼ÚÀ¸¸ç¡¦ ÀϺΠµµ½Ã ¡®±¸ÀÔ¡¯ÀÌ ´õ ½ÎÁ®
Talk & Talk
4654
ÀÎÇ÷¹ 2~3³â³» ±Øº¹¡¦ ÁÖÅýÃÀåÀÌ È¸º¹ À̲ö´Ù
Talk & Talk
4467
Çö½ÇÈ­µÈ ¡®AI¡¯¡¦ ĨºÎÅÍ ÀÚµ¿Â÷±îÁö »ê¾÷°è µÚÈçµç´Ù
Talk & Talk
6923
¡®Ãª GPT¡¯ ÀΰøÁö´É Çõ¸í¡¦ Àηù ¹Ì·¡¸¦ ¹Ù²Ù³ª
Talk & Talk
7493
¹«Á¶°Ç ºñ»ó±¸ Á¼®ÀÌ ÃÖ°í? ºñÇà±â ¸í´ç ¾Ë·ÁÁÖ´Â À̰÷
Travel & Food
7738
±¸±Û \"ÁÖ 3ȸ Àǹ« Ãâ±Ù\"¡¦ÀçÅñٹ«¿Í ½Î¿ì´Â ¹Ì±¹ ±â¾÷µé
Job & Work Life
6845
°¡Á·À̹Π¼ÒÆø ÀüÁø, Ãë¾÷À̹Π´äº¸¡¦7¿ù ¿µÁÖ±Ç ¹®È£ ¹ßÇ¥
Visa,Green Card,Citizenship
6059
ij³ª´Ù »êºÒ¿¡ ºÏµ¿ºÎ Ç×°øÆí °áÇס¤Áö¿¬
Travel & Food
5223
¼Õ ´ê´Â °÷ Áø¿­ ½ÄÀ½·á 70%°¡ °Ç°­¿¡ ÇØ·Î¿ö
Talk & Talk
5062
Æ®·³ÇÁ 7°³ ¹üÁËÇøÀÇ Àû¿ë¡¦³»³â ´ë¼±ÆÇµµ ¿µÇâÀº ¾È°¹¼Ó
Talk & Talk
4996
ÆÁ ÇǷΰ¨¡¦°í°´ 66%°¡ ºÒ¸¸ ÀÖ´Ù
Talk & Talk
5216
´º¿å, »ýȰºñ °¡Àå ºñ½Î¡¦¼­¿ïÀº 9À§, µµÄì Á¦ÃÄ
Talk & Talk
4602
Çù»ó ÁöÁöºÎÁø¡¦ÆÄ¾÷ Àü¿î °¨µµ´Â LA¡¤·ÕºñÄ¡Ç×
Job & Work Life
4747
ÆÐ¼Ç¾÷°è, Áß±¹ ´ë½Å ±¸¸Å·Â °­ÇÑ ¹Ì±¹½ÃÀå °ø·«
Talk & Talk
7698
µðÁî´Ï·£µå, °¡ÁֹΠ¿©¸§ ÇÒÀÎ
Travel & Food
3543
ij³ª´Ù »êºÒ ¿¬±â Ú¸ µ¿ºÎ±îÁö µÚµ¤¾î¡¦1¾ï¸í¿¡ \'°Ç°­\' °æº¸
Talk & Talk
3164
°í¿ë °­¼¼¡¤ºÎµ¿»ê ¾çÈ£, Èû ¹Þ´Â ¡®°æÁ¦ ¿¬Âø·ú¡¯
Job & Work Life
9729
´ëÇü ±Û·Î¹ú ±â¾÷ Àý¹Ý 3³â³» »ç¹«½Ç Ãà¼Ò
Job & Work Life
5560
¸®½ºÅ© Ä¿Áø º¸Çè¾÷°è¡¦¡°Àç³­ º¸Çè±Ý °¨´ç ¸øÇØ¡±
Talk & Talk
6890
LA¸ÞÆ®·Î ³»´ÞºÎÅÍ ¿ä±Ý ÀÎÇÏ
U.S. Life & Tips
1666
LAÀÚ¿¬»ç¹Ú¹°°ü Ä¿¹Â´ÏƼ °ø°£À¸·Î Àçź»ý
Talk & Talk
1829
Àýµµ¹ü ¸·À¸¸é ºÒ¹ý ÁÖ»ó¿ø¼­ Åë°ú ³í¶õ
Job & Work Life
7196
ij³ª´Ù »êºÒ ¿Ã µé¾î 400°Ç... Ú¸ ´º¿å±îÁö Àíºû ÇÏ´Ã
Talk & Talk
4871
¡°Á¾¾÷¿ø ±Þ±¸¡±¡¦ ÀϺΠ¾÷Á¾ ÀηºÎÁ· ½ÉÈ­
Job & Work Life
7191
ÆÀ Äî ¾ÖÇà CEO \"ºñÀüÇÁ·Î´Â \'³»ÀÏÀÇ °øÇÐ\'¡¦¾ÖÇà ÀüȯÁ¡ µÉ °Í\"
Talk & Talk
3175
°í¹°°¡¿¡ ÁÖ¸ñ¡¦55³â° 1ºÒ´ë °í¼ö¡¦ÇÖÈÙÀÇ ¹Ì´ÏÄ« °¡°Ý ³»¸° ¼À
Talk & Talk
5073
¶ß°Å¿î °í¿ë¡¤³ôÀº ÀÎÇ÷¹¡¦¾¦ µé¾î°£ ¹Ì±¹ ±Ý¸®ÀÎÇÏ Àü¸Á
Talk & Talk
5426