¢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 |
¾ÖÇÃ, ÈİáÁ¦ ½ÃÀå °ø·«¡¦1000´Þ·¯ ºô·Á ±¸¸Å ÈÄ 6ÁÖ°£ 4Â÷·Ê ºÐÇÒ »óȯ
Talk & Talk
|
5581 |
Å»°¡ÁÖ °¡¼ÓÈ¡¦°í¼ÒµæÃþµµ ÇÕ·ù
Talk & Talk
|
5613 |
H-1B ½Åû ´ë»ó Ãß÷ ¿Ï·á
Visa,Green Card,Citizenship
|
5655 |
°¡ÁÖ Áý°ª 10°³¿ù»õ 18% ³»·È´Ù¡¦Áß°£ °¡°Ý 73¸¸5480ºÒ
Talk & Talk
|
5217 |
¡®¹Ì۸¶¿ì½º ¸ÞŸ¹ö½º ¶°³µ´Ù¡¯ µðÁî´Ï ÆÀ¿ø 50¸í ÇØ°í
Job & Work Life
|
3783 |
¿©±Ç ¹Þ´Âµ¥ 4°³¿ù¾¿À̳ª¡¦
Travel & Food
|
4169 |
1ºÐ±â LA¡¤OC ÇÑÀνĴç 9°÷, ¡®À§»ýºÒ·®\' ¿µ¾÷Á¤Áö óºÐ
Travel & Food
|
4366 |
\"¼¼°è Àα¸, 2046³â 88¾ï¸í Âï°í ±Þ°¨ÇÒ °Í\"
Talk & Talk
|
2806 |
Â÷ º¸Çè·á ÁÙÁÙÀÌ ÀÎ»ó¡¦ ¼ÒºñÀÚ´Â \"±«·Î¿ö\"
Talk & Talk
|
6776 |
ëÅ¡¤¹ÙÀÌµç ¸¸Âù¶§ ºíÇΡ¤·¹À̵𠰡°¡ °ø¿¬Çϳª¡¦YGÃø \"°ËÅäÁß\"
Travel & Food
|
5899 |
¿¬±Ø \'º¢²Éµ¿»ê\'º¸°í »÷µð¿¡ÀÌ°í ¸ÀÁý ÃàÁ¦·Î
U.S. Life & Tips
|
9284 |
Äݷζóµµ, °¡Àå Çå½ÅÀûÀÎ ¹Ý·Á °ßÁÖ Àü±¹ 1À§
Talk & Talk
|
5590 |
¹®È¿ø ¿Â¶óÀÎ ÇѽĿ丮 Ư°
Travel & Food
|
6192 |
´º¿å½Ã Å×Å©±â¾÷ ä¿ë À¥»çÀÌÆ® ·ÐĪ
Job & Work Life
|
7024 |
´º¿å½Ã ÅðºñÈ ÇÁ·Î±×·¥ ½ÃÀÛ
U.S. Life & Tips
|
5375 |
ȯÀ² ´Ù½Ã 1300¿ø´ë
Talk & Talk
|
5735 |
ÇÐÀÚ±Ý ´ëÃâÅÁ°¨¾È ¹«È¿È °áÀÇ¾È ÃßÁø
Talk & Talk
|
5717 |
»§¡¤Ä¿ÇÇ »çµµ ÆÁ ¿ä±¸¡¦°í°´ °ÅºÎ°¨ È®»ê
Talk & Talk
|
5188 |
¼®À¯¡¤»ê¾÷°øÇÐ Àü°ø ¿¬ºÀ ¡®ÃÖ°í¡¯
Job & Work Life
|
7229 |
´º¿å, ÃâÀåºñ °¡Àå ºñ½Ñ µµ½Ã¡¦SF 5À§¡¤LA 6À§¡¤¼¿ï 57À§ ¿Ã¶ó
Job & Work Life
|
3661 |
¡®Á¤»óÃâ±Ù¡¯ ¹Ì±¹ ±â¾÷, ÆÒµ¥¹Í ÀÌÀü À°¹Ú
Job & Work Life
|
3639 |
³²°¡ÁÖ ºÀÁ¦¾÷°è 80% ¿©ÀüÈ÷ ¡®Å»¹ý ¸¸¿¬¡¯
Job & Work Life
|
5618 |
°¡ÁÖ Áְų ÇØ°áÀ§ÇØ ÁÖ ÀÇȸ¿¡ °ü·Ã ¹ý¾È ÀÕ´Þ¾Æ »óÁ¤µÅ
Talk & Talk
|
2883 |
µðÁî´Ï, ±¸Á¶Á¶Á¤ Âø¼ö¡¦Á¤¸®ÇØ°í ´ë»ó 7õ¸í¿¡ Å뺸 ½ÃÀÛ
Job & Work Life
|
6095 |
[ºí·Î±×ÀÛ°¡¸ðÁý] J1ºñÀÚ ÀÎÅÏ/Æ®·¹ÀÌ´Ï ºí·Î±× Á¤º¸¼º±Û ÀÛ¼ºÀ» À§ÇÑ ÀÛ°¡´Ô ±¸ÇÕ´Ï´Ù....
Part Time Jobs
|
915 |
´º¿åÁÖ ÃÖÀúÀÓ±Ý Àλó À¯·Â
Job & Work Life
|
4399 |
Ú¸¡¤À¯·´ ÀºÇà±Ç ºÒ¾È¿¡ ½Å¿ë°æ»ö ¿ì·Á¡¦\"¼¼°è ¼ºÀå·ü À§Çù¿äÀÎ\"
Talk & Talk
|
6250 |
¡°»ý°¢º¸´Ù °æÁ¦ ưư¡¦ÃÖÁ¾±Ý¸® 5.25~5.5%¡±
Talk & Talk
|
6027 |
¡°Æò±Õ±â¿Â 1µµ ¿À¸£¸é ¼öÁõ±â·® 7% Áõ°¡¡±
Talk & Talk
|
5835 |
Æø¸®¿£ ¹ú±Ý¡¦°¡ÁÖ, Á¤À¯¾÷ü ±ÔÁ¦ ³ª¼¹´Ù
Talk & Talk
|
4518 |
ÆÒµ¥¹Í ±â°£ Àú¼ÒµæÃþ ¼Òµæ °¡Àå Å«Æø »ó½Â
Job & Work Life
|
6163 |
¸ð±âÁö 2ÁÖ ¿¬¼Ó Ç϶ô
Talk & Talk
|
4695 |
Å×½½¶ó ¸ðµ¨3, 7500ºÒ ¸ø ¹ÞÀ» µí
Talk & Talk
|
5570 |
ÇÑÀÎ 3´ë°¡ ÇÔ²² ¿©Çà, 50% ±ÞÁõ
Travel & Food
|
5510 |
´º¿å¼ °¡½º·¹ÀÎÁö ¸ø¾²°Ô µÇ³ª¡¦½ÅÃà°Ç¹° ´ë»ó ù ÀÔ¹ý ÀÓ¹Ú
Talk & Talk
|
2142 |