¢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°¡ ¾Ç鵃 °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 |
Ãë¾÷ Àü¿¡ ¾Èº¸¸é ¹«Á¶°Ç ÈÄȸÇÏ´Â ¿µ»ó
|
09/03/2024 |
Part-time °Ô½ÃÆÇ °øÁö»çÇ×
|
02/12/2021 |
ÇØÅ·µµ ÷´Ü ÀΰøÁö´É 꺿ÀÌ Àâ´Â´Ù
Talk & Talk
|
2629 |
¸í¹®´ë 1³â Çкñ¸¸ ¹«·Á 8¸¸´Þ·¯ Ä¡¼Ú¾Æ
College Life
|
6088 |
¡°³» Áý »çÁÖ¸é ·°¼Å¸® Â÷µµ °øÂ¥·Î µå¸³´Ï´Ù¡±
Talk & Talk
|
2700 |
ȸ°è»ç, µÎ ÀÚ¸´¼ö ¿¬ºÀ Àλ󿡵µ ±¸Àγ
Job & Work Life
|
5758 |
Á¶Á÷¿¡¼ ´õ ¹®Á¦ µÇ´Â¡®¶È¶ÈÇÑ °ÔÀ¸¸§ÀïÀÌ¡¯
Job & Work Life
|
6666 |
¼¼±Ý º¸°í, Áöü¾øÀÌ Ã³¸®µÇ´Â ²ÜÆÁ
Tax & Salary
|
5667 |
H-1B ºñÀÚ Á¢¼ö ³»´Þ 1ÀϺÎÅÍ
Visa,Green Card,Citizenship
|
7992 |
¡®¼¼±Ýº¸°í ¿¬À塯 OC ³³¼¼ÀÚµµ Æ÷ÇÔ
Tax & Salary
|
2843 |
Ä«¹Ù³ª¼ »ò´Âµ¥¡¦¾Ë°í º¸´Ï µµ³Â÷·®
Talk & Talk
|
6400 |
LA Áְźñ, °¡±¸ Áß°£¼Òµæ 31.6% ¾´´Ù
Talk & Talk
|
5133 |
»ý¼ºÇüAI ºÕ¿¡ »õ Á÷¾÷ \'ÇÁ·ÒÇÁÆ® ¿£Áö´Ï¾î\' ¶á´Ù¡¦\"¿¬ºÀ 4¾ï´ë\"
Job & Work Life
|
6052 |
WSJ ¡°ÀºÇàÀ§±â ÁøÁ¤? ¡®½½·Î¸ð¼Ç¡¯ À§±â ¿Â´Ù¡±
Talk & Talk
|
5771 |
¿»·± Ú¸À繫 \"ÀºÇà ±ÔÁ¦ ´À½¼ÇØÁ®¡¦Àç°È Á¶Ä¡ °ËÅä ÇÊ¿ä\"
Talk & Talk
|
5811 |
¡°Áö±ÝÀÌ °íÁ¡, Áý°ª 6°³¿ù ³» Ç϶ô¡±
Talk & Talk
|
5475 |
WHO Äڷγª19 ¹é½Å »õ Áöħ ¡°°Ç°ÇÑ ¼ºÀÎ 2ȸ ÀÌÈÄ Ãß°¡ Á¢Á¾ ±ÇÇÏÁö ¾Ê¾Æ¡±
Live Updates (COVID-19, etc.)
|
5676 |
ÆæÅ¸´Ò ÇØµ¶Á¦ ¡®³ª¸£Ä¡¯ ó¹æÀü ¾øÀÌ ±¸ÀÔ °¡´É
Live Updates (COVID-19, etc.)
|
5909 |
¡°½º¸¶Æ®Æù ÁöÃÆ´Ù¡± ´Ü¼øÆù Àαâ
Talk & Talk
|
6081 |
ÅöÇÏ¸é Æø¿ì¡¤ÃßÀ§¡¦\"º½¿Ê Àå»ç ¸ÁÃÆ´Ù\" ÇѼû
Talk & Talk
|
5628 |
UC ÆíÀÔ º¸Àå ¡°Àü Ä·ÆÛ½º È®´ë¡±¡¦UCLA¡¤¹öŬ¸® µî Æ÷ÇÔ
College Life
|
6016 |
Çѱ¹ ¹æ¹® ½Ã¹Î±ÇÀÚ ¡®ÀüÀÚ¿©ÇàÇã°¡¡¯ ¸éÁ¦
Travel & Food
|
5422 |
¸óÅ׳ױ׷Π´ç±¹ \"¹Ì±¹ÀÌ Çѱ¹º¸´Ù ¸ÕÀú ±ÇµµÇü Àεµ û±¸\"
Talk & Talk
|
4198 |
µðÁî´Ï¡¤MS ÀÌ¾î ¸ÞŸ¸¶Àú¡¦±Þ¼ÓÈ÷ ½ÃµéÇØÁö´Â \'¸ÞŸ¹ö½º\'
Talk & Talk
|
4236 |
¸Ó½ºÅ© µî CEO¡¤Àü¹®°¡µé \"÷´Ü AI À§Ç衦°³¹ß ÀϽà Áß´ÜÇÏÀÚ\"
Talk & Talk
|
3706 |
͏®Æ÷´Ï¾Æ, Ú¸¼ ÃÖÃÊ·Î \'¼®À¯¾÷°è Æø¸® °¨½Ã¡¤Ã³¹ú¹ý\' Á¦Á¤
Talk & Talk
|
5114 |
Ú¸ ºó¹ß ÃѰݻç°Ç, ¾Ë°í º¸¸é 80£¥°¡ \'ÇÕ¹ýÀû Ãѱâ\' »ç¿ë
Talk & Talk
|
3638 |
18¼¼ ÀÌÇÏ ¿Ü±¹ÀÎ, °æº¹±Ã µî °ü¶÷·á ¹«·á
Travel & Food
|
2831 |
Å»¼¼¹ü ½Å°í \'ÀèÆÌ »ó±Ý\' 1000¸¸´Þ·¯
Tax & Salary
|
5114 |
³×À̹öµµ ÅÃÇÑ µ¨¶ó¿þ¾îÁÖ¡¦ Àα¸ 100¸¸¿¡ ¹ýÀÎ 180¸¸
Job & Work Life
|
10281 |
¡°ÆÛ½ºÆ® ¸®ÆÛºí¸¯ µî ÀºÇà À§±â, ºÎÀ¯Ãþ °í°´À¸·ÎºÎÅÍ ½ÃÀÛ¡±
Talk & Talk
|
3383 |
ÇÑÀλçȸ ÀåÇÐ±Ý Áö±Þ ¿¬ 300¸¸´Þ·¯ ³Ñ¾ú´Ù
College Life
|
6499 |
\"ÁöÃ⠻谨\"¡¤\"Á¶°Ç ¾ÈµÅ\"¡¦Ú¸°øÈ¡¤¹é¾Ç°ü, ºÎäÇѵµ ½Î¿ò Àç°³
Talk & Talk
|
5186 |
\"êGPT ¿µÇâ ¸¹ÀÌ ¹Þ´Â Á÷¾÷Àº ȸ°è»ç¡¤¼öÇÐÀÚ¡¤Å뿪»ç µî\"
Job & Work Life
|
6096 |
ÀºÇà ºÒ¾È¿¡µµ ¼ÒºñÀÚ ½Å·Ú´Â »ó½Â¡¦3¿ù Áö¼ö 2¿ùº¸´Ù 0.8p ¿Ã¶ó
Talk & Talk
|
6184 |
¼¼±Ý ȯ±Þ±Ý 11.3% °¨¼Ò, Æò±Õ 2933ºÒ
Tax & Salary
|
5973 |
³ëµ¿Ã» ´ÁÀå, ÀÓ±ÝÂøÃë 󸮿¡ 812ÀÏ¡¦\'120ÀÏ ³» ½É¸®\' ±âÁØ 7¹è Ãʰú
Job & Work Life
|
6376 |