±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
¿ÀÇÂAI CEO \"ÀΰøÁö´ÉÀº Àηù¿¡ ½ÇÁ¸Àû À§Ç衦°¨µ¶±â±¸ ÇÊ¿ä\"
Talk & Talk
5894
Á¶¿øÅ \"¹«¾ó Æ÷±âÇÏµç ´ëÇÑÇ×°ø¡¤¾Æ½Ã¾Æ³ª ÇÕº´ ¼º»ç½Ãų °Í\"
Talk & Talk
2328
¼¼°èÀºÇà, ¿ÃÇØ ¼¼°è¼ºÀå·ü 2.1%·Î ¼ÒÆø »óÇ⡦\"³»³â±îÁö ¾à¼¼\"
Talk & Talk
2614
¾ÏȣȭÆó¿¡ Ä® ²¨³»µç ¹Ì±¹¡¦SEC, ¹ÙÀ̳½½º À̾î ÄÚÀκ£À̽º Á¦¼Ò
Talk & Talk
1383
Å×½½¶ó ¸ðµ¨3°¡ Ä·¸®º¸´Ù ½ÎÁ³´Ù¡¦¼¼¾×°øÁ¦¿¡ ģȯ°æ ¸®º£ÀÌÆ®
Talk & Talk
1952
È£ÅÚ¡¤Ç×°ø±â \'¼ûÀº ºñ¿ë\' ÁÖÀǺ¸¡¦¸®Á¶Æ®ºñ¡¤ºÎ´ëºñ¿ë±îÁö ºÎ°ú
Travel & Food
3269
2023³âµµ \'¹Ì½¶·© °¡À̵å\' ¼±Á¤ ³²°¡ÁÖ ½Ä´ç
Travel & Food
3338
¿Ã ¿©¸§ ±¹³»¡¤ÇØ¿Ü ¡®º¸º¹¿©Ç࡯ Æø¹ß
Travel & Food
5954
°í¹°°¡¿¡ ¡®Â§¹°¡¯ ¼Òºñ ´ë¼¼¡¦¡°¸¶ÄÏ ¼ø·Ê 3¸¸¸®¡±
Talk & Talk
6142
¼Òºñ ¼ö¿ä °¨¼Ò¿¡ ¹°·ù â°í ´ëÆø ÁÙ¿©
Job & Work Life
5596
1´Þ·¯ ³ëµ¿À¸·Î êGPT Ű¿ö³ù´õ´Ï, 1¸¸´Þ·¯ Àϰ¨ »¯±â´Â ³ª¶ó
Talk & Talk
5758
ÆÄ¸Ó½º¸¶Àú¡¦ÁÖÅú¸Çè ½Å±Ô °¡ÀÔ ¼Ó¼Ó Á¦ÇÑ
Talk & Talk
6685
¿Ã ¿©¸§ ¸ð±â Ã־ǡ¦6~10¿ù ¸ð±â ±â½Â Àü¸Á
Talk & Talk
5944
Çѱ¹, 11³â¸¸¿¡ À¯¿£ ¾Èº¸¸® ÀçÁøÀÔ¡¦ºñ»óÀÓÀ̻籹 ¼±Ãâ
Talk & Talk
5160
½ÅÂ÷ ¸®½º ºñ¿ë Æøµî¡¦ÇÑÀÎµé ¡°»ç´Â °Ô ³´´Ù¡±
Talk & Talk
6488
¿øÀÚÀç°ª ³»·Áµµ °¡°Ý ¿Ã·Á¡¦¡®ÀÎÇ÷¹ Çΰ衯 Æø¸®
Talk & Talk
4312
¡®¿ÏÀü°í¿ë¡¯¿¡µµ ħü¡¦³¸¼± ±æ °¡´Â °æÁ¦
Job & Work Life
4836
5¿ù ÀÏÀÚ¸® 34¸¸°³¡è¡¦ ³ëµ¿½ÃÀå °­¼¼ Áö¼Ó
Job & Work Life
5889
±Ý¸® ¿Ã·Áµµ ½ÄÁö ¾Ê´Â Ú¸°æÁ¦¡¦¿¡³ÊÁö¿øÀº 655Á¶¿ø \'Ãʰú ÀúÃà\'
Talk & Talk
2975
Ú¸ºÎäÇѵµ ÇÕÀÇ·Î ±¹Ã¤¹ßÇà ±ÞÁõ Àü¸Á¡¦\"°æÁ¦ À§Ãà ¿ì·Á\"
Talk & Talk
4427
À¶ÀÚ ¿¬Ã¼ Áõ°¡¡¦Ä§Ã¼ ¿ì·Á Ä¿Á®
Talk & Talk
5848
¹Ì±¹¼­ \'Á»ºñ ¸ð±âÁö\'¿¡ ÀϺΠÁýÁÖÀÎµé ¾Ð·ù À§Çè Á÷¸é
Talk & Talk
4444
\'¸¶ÀÌÅ©·Î¼ÒÇÁÆ® 365\' ÀÌ¿ëÀÚ 1¸¸5õ¸í \'ÇÁ·Î±×·¥ ´Ù¿î\' ÇÇÇØ
Talk & Talk
2799
¡°º¥¸ð¡¤ÆäÀÌÆÈ ÀÏ¹Ý °èÁ ¿¹Ä¡±Ý º¸È£ ¸ø¹Þ¾Æ¡±
Talk & Talk
2498
´ëÇÑÇ×°ø ¾ÈÀü¼º Bµî±ÞÀ¸·Î Ç϶ô
Travel & Food
2067
Àç¿Üµ¿Æ÷û °ø½Ä Ãâ¹ü¡¦°³Ã»½Ä¿­°í º»Ã» µî ¾÷¹« ½ÃÀÛ
Talk & Talk
1741
°¡ÁÖ, ·»Æ® µðÆÄÁþ ÇÑ ´ÞÄ¡·Î Á¦ÇÑ
Talk & Talk
1673
¼­ºÎÇ׸¸ ³ëÁ¶ ÆÄ¾÷¿¡ LA·ÕºñÄ¡Ç× ¹°·ù Â÷Áú
Talk & Talk
1791
Â÷·®µî·ÏÁõ ºÒ½É°Ë¹® Áß´Ü ÃßÁø¡¦°¡ÁÖÀÇȸ 30¿©°³ ¹ý¾È Åë°ú
Talk & Talk
1551
¿Ö Z¼¼´ë´Â µ·¿¡ ÁýÂøÇϴ°¡¡¦\"°æÁ¦À§±â º¸°í ÀÚ¶ó\"
Talk & Talk
4520
Ãß¼® ¾ÕµÎ°í Çѱ¹Çà Ç×°ø·á ¡®µé½âµé½â¡¯
Travel & Food
5015
Á¡ÀÝ°Ô ½Å°í? ´ëÂ÷°Ô µûÁ®¶ó¡¦°øÇ׿¡ ³» Áü ¾È¿ÔÀ»¶§ ´ëó¹ý
Travel & Food
5583
»ï¼º, ¹Ì±¹ÀÎ ¼±È£ ºê·£µå 7À§¡¦1À§´Â ÆÄŸ°í´Ï¾Æ
Talk & Talk
4888
´ë±â¾÷ ¿¬ºÀ CEO 1480¸¸ºÒ, Á÷¿ø 7¸¸ºÒ
Tax & Salary
5855
Äڷγª ½ÇÁ÷ Á÷¾÷ÈÆ·Ã Áö¿ø Á¾·á ÀÓ¹Ú¡¦2500ºÒ ±×·£Æ® Áö±Þ
Job & Work Life
5376