Å©°Ôº¸±â
±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
´ëÃâ°¨¼Ò·Î ¹Ì °æÁ¦¼ºÀå¿¡ Ÿ°Ý
Talk & Talk
2781
¡°´Þ·¯ Ç϶ô¡¦ 2ºÐ±â¸» ȯÀ² 1,200¿ø Àü¸Á¡±
Talk & Talk
2661
3¿ù ¼Ò¸ÅÆÇ¸Å 1.0% °¨¼Ò, ÀÎÇ÷¹¡¤°í±Ý¸® °æ±âµÐÈ­
Talk & Talk
2704
¸í¹®´ë ÀÔÇÐ °æÀï °¥¼ö·Ï ¡®Ä¡¿­¡¯
College Life
753
°æÂû 3³â»õ 1õ¸í °¨¼Ò, ¡®Ä¡¾ÈÁ¤Ã¥ ¼Õº»´Ù¡¯
Talk & Talk
3692
ÇÑÀθ¶ÄÏ »ýÀüº¹ ºÒ¹ý ÆÇ¸Å¡¦20¸¸ ´Þ·¯ ¹ú±Ý¡¤ÇàÁ¤ ¸í·É
Talk & Talk
5331
136³â¸¸ÀÇ ÃÖ°í±â¿Â Âï°í 56cm Æø¼³¡¦°ÅÁþ¸» °°Àº À̰÷ 4¿ù
Talk & Talk
4132
1¿ù Ç×°ø ¿©°´ 6710¸¸¸í ¡¦ÃÖ°í ±â·Ï 95%±îÁö À°¹Ú
Travel & Food
3631
°¡ÁÖ º´¿ø¡¤´ëÁß±³Åë Äڷγª·Î °æ¿µ³­ ½ÉÈ­
Talk & Talk
3977
LA¾÷¼Ò Àýµµ 13³â·¡ ÃÖ´Ù¡¦»ìÀΡ¤ÃÑ°Ý µî °­·Â ¹üÁË °¨¼Ò
Talk & Talk
3098
¡°ÀÎÇ÷¹º¸´Ù ÀÇ·áºñ°¡ ´õ Å« ¹®Á¦¡±
Talk & Talk
3043
Àü±âÂ÷ º¸Á¶±Ý Â÷Á¾ °ø°³¡¦Çö´ëÂ÷¡¤±â¾Æ´Â ¸ðµÎ ºüÁ®
Talk & Talk
4702
Àü±âÂ÷ 7500ºÒ Å©·¹µ÷ ¸ðµÎ ¹Ì±¹Â÷
Talk & Talk
5097
ºÎÁ¤Àû ´º½ºÀε¥ \"¿À¸¦ °Í\"¡¦ÁÖ°¡ µ¿Çâ 99% ¸ÂÈù êGPT ºñ¹Ð
Talk & Talk
5563
µ¥ÀÌÅÍó¸®/ÄÄÇ»ÅÍÀÛ¾÷/Åë°èºÐ¼® ÇÊ¿äÇϽŠºÐ ºÁÁÖ¼¼¿ä
Part Time Jobs
509
¾ÖÇÃ, ¿¬ 4.15% ÀúÃà°èÁ Ãâ½Ã¡¦Ú¸ ÀúÃ༺¿¹±Ý Æò±ÕÀÌÀÚÀÇ 10¹è
Talk & Talk
5172
½º¸¶Æ®Æù ½ºÅ©·Ñ ÇÏ·ç Æò±Õ 43ÇÇÆ®¡¦ÇÑ´Þ ¡®¿¡Æçž¡¯ ³ôÀÌ
Talk & Talk
4059
´º¿å´ë¿¡ 12¸¸¸í Áö¿øÇØ 9600¸í ÇÕ°Ý ±â·Ï
College Life
4284
¼¿·¯ 10¸í Áß 8¸í ¡°Áý°ª ´õ ¹Þ¾Ò¾î¾ß¡±
U.S. Life & Tips
5231
Á¹¾÷»ý ¿¬ºÀ ¡®Ä¶¸®Æ÷´Ï¾Æ°ø´ë¡¯ 1À§
Tax & Salary
4277
½ÅÂ÷ ±¸¸Å°¡, MSRPº¸´Ù ½ÎÁ³´Ù
Talk & Talk
2968
100³â Àü »ç¶óÁø È£¼ö°¡ »ý°Ü³µ´Ù¡¦Æø¼³ µÚ µ¤Ä£ ڸħ¼öÇÇÇØ
Talk & Talk
4001
¡°°¡ÁÖ ÀÎÇ÷¹ÀÌ¼Ç Áö¿ø±Ý ¼Òµæ¿¡ ÇÕ»ê ¶© ´Ù½Ã º¸°í¡±
Tax & Salary
4212
Çö´ëÂ÷, ¹Ì±¹½ÃÀå »ç¹ý¸®½ºÅ© ÃÖ°íÁ¶
Talk & Talk
3741
°¡½º¡¤Àü±â·á, ¼Òµæ ±â¹Ý Â÷µî ¿ä±ÝÁ¦ Àû¿ëµÉ µí
Talk & Talk
2718
¡°»ç°í ½Í¾îµµ »ì ÁýÀÌ ¾ø³×¡±¡¦ ¸Å¹° ºÎÁ·¿¡ ¡®Âù¹Ù¶÷¡¯
Talk & Talk
2960
¼ÒºñÀÚµé Áö°© ´Ý³ª¡¦ ½Å¿ëÄ«µå ÁöÃâ Áõ°¡¼¼ µÐÈ­
Talk & Talk
2466
½Ç¾÷¼ö´ç û±¸°Ç¼ö ´Ù½Ã ±ÞÁõ¼¼
Job & Work Life
2535
3¿ù LA ¹°°¡ »ó½Â 3.7%·Î µÐÈ­
Talk & Talk
2703
¼ÒÇü¡æÁßÇü¡æ´ëÇüÀ¸·Î¡¦Àü±âÂ÷ ¡®µ¢Ä¡ ÀüÀ ºÒºÙ¾ú´Ù
Talk & Talk
5519
¾Æ¸¶Á¸, UPS¿¡ ¹Ýǰ ½Ã 1ºÒ ºÎ°ú
Talk & Talk
6697
ž籤 ÆÐ³Î ¼³Ä¡ Å©·¹µ÷ ÁÙ¾îµç´Ù¡¦15ÀϺÎÅÍ Æò±Õ 75% °¨¼Ò
U.S. Life & Tips
5356
\"¿¹±Ý ¼Õ½Ç º¼ ¹Ì±¹ÀÎ ¾ø´Ù\" ¹öÇÍ, ÀºÇà ¾ÈÀü¼º °­Á¶
Talk & Talk
5330
2019³â ¼¼±Ý ¹Ì¼ö·É ȯ±Þ¾× 15¾ïºÒ¡¦°¡ÁÖ 14¸¸¸í ³Ñ¾î ÃÖ´Ù
Tax & Salary
5685
ÃÖÀúÀÓ±Ý Àλó ÃßÁø¡¦°¡ÁÖ ±â¾÷µé ¹Ý¹ß
Job & Work Life
5590