¢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 |
´ëµµ½Ã ¾ÆÆÄÆ® °¥¼ö·Ï ÀÛ¾ÆÁø´Ù
Talk & Talk
|
1238 |
°¡°è »¡°£ºÒ¡¦ÀúÃà ÁÙ°í ºú ±ÞÁõ
Talk & Talk
|
1192 |
ÆøÇ³ Áö¿ª ¼¼±Ýº¸°í 10¿ù 16ÀÏ·Î ¿¬Àå
Tax & Salary
|
4579 |
\"¿ù°¡°¡ ´Üµ¶ÁÖÅà ÀÓ´ë ½ÃÀå Á¿ì\"¡¦30³â±îÁö ÀüüÀÇ 40% ¼ÒÀ¯
Talk & Talk
|
2494 |
Àç¿Üµ¿Æ÷û, ±¹È¸ º»È¸ÀÇ Åë°ú À¯·Â¡¦24ÀÏ Ç¥°á¡¤¿©¾ß ÀÌ¹Ì ÇÕÀÇ
Talk & Talk
|
3840 |
Ú¸ ½Ç¾÷¼ö´ç û±¸°Ç¼ö 19¸¸2õ °Ç¡¦ÀüÁÖº¸´Ù 3õ°Ç¡é
Job & Work Life
|
5230 |
°æÁ¦ ½ÇÀû ¿¹»óº¸´Ù ÀúÁ¶¡¦4ºÐ±â ¼ºÀå·ü ÀáÁ¤Ä¡ 2.7%
Talk & Talk
|
4765 |
°í¹°°¡¿¡ ÀúÃà »©¼ »ýȰºñ Ãæ´ç¡¦27% \'ÃÖ±Ù ÀÎÃâ °æÇè ÀÖ´Ù\'
Talk & Talk
|
5219 |
401k Æò±Õ 20.5% °¨¼Ò¡¦10¸¸ 3900´Þ·¯·Î ÁÙ¾î
Talk & Talk
|
5228 |
\'µ¶¼º ´©Ãâ\' Ú¸¿Â÷Æø¹ß·Î ÇǶó¹Ì µî 4¸¸4õ¸¶¸® ¶¼Á×À½ ÃßÁ¤
Talk & Talk
|
5513 |
ºÒüÀÚ ¹é½ÅÁ¢Á¾ Áö¿ø Áß´Ü¡¦´º¼¶ \"225¾ï´Þ·¯ ÀûÀÚ ¿¹»ó\"
Live Updates (COVID-19, etc.)
|
6118 |
À̹ø¿£ ÆøÇ³¡¦¿À¸¥ °¡½ººñ ´õ ¿À¸¥´Ù
Talk & Talk
|
5276 |
»ýÀÏ¡¤À̸§ °°Àº ÇÑÀÎ 2¸í, °°Àº ¼Ò¼È¹øÈ£ °ï¿å
Talk & Talk
|
4895 |
¼¿ï½Ã ºê·£µå ½½·Î°Ç °á¼±ÅõÇ¥ (°æÇ°ÁõÁ¤)
Talk & Talk
|
5582 |
CGV, »÷ÇÁ¶õ½Ã½ºÄÚ ±ØÀå °á±¹ ¹® ´Ý´Â´Ù
Talk & Talk
|
2477 |
±¸Àγ ½É°¢Çѵ¥ ÆÄ¾÷±îÁö ±ÞÁõÇß´Ù
Job & Work Life
|
5311 |
¿ø¡¤´Þ·¯ ȯÀ² 1,304.9¿ø, µÎ ´Þ¸¸¿¡ 1,300¿ø´ë·Î
Talk & Talk
|
2386 |
¿¬ÁØ ¡°±Þ¼ÓÇÑ ¿ÏÈÁ¤Ã¥Àº À§Ç衱¡¦ 3¿ù¿¡µµ 0.25%p Àλó È®½Ç½Ã
Talk & Talk
|
3745 |
¿½ÉÈ÷ ÀÏÇÏ´Â µµ½Ã, SF 1À§¡¤LA 77À§
Job & Work Life
|
4905 |
À½½Ä üÀÎÁ¡µµ ¿ù ±¸µ¶Á¦ µµÀÔ¡¦ÆÄ³×¶ó¡¤P.F.Chang µî ½ÃÇà
U.S. Life & Tips
|
3078 |
¿¬¹æ ¸ð±âÁö º¸Çè Æò±Õ 800ºÒ ÀÎÇÏ
U.S. Life & Tips
|
4620 |
ÅØ»ç½º·Î ¶°³µ´ø ¸Ó½ºÅ©, \'»ç½Ç»ó º»»ç\' ´Ù½Ã ͏®Æ÷´Ï¾Æ¿¡ ¼³¸³
Talk & Talk
|
1810 |
¼¼À̺ù °èÁ ¿¹±Ý ÀÌÀÚÀ²µµ ¡®4%´ë¡¯
U.S. Life & Tips
|
1470 |
¹Ì±¹ 1À§ ¿Â¶óÀÎ ¼îÇÎÀº Áß±¹ ¡®Å×¹«¡¯, ¾Æ¸¶Á¸ Á¦ÃÄ
Talk & Talk
|
1483 |
\"±¹ÀûÀÌÅ» ±â°£ ³õÃĵµ ´Ü±â ¹æ¹®Àº °¡´É\"
U.S. Life & Tips
|
1910 |
ÃÖ° ÇÑÆÄ ¿Â´Ù¡¦34³â ¸¸¿¡ ¡®´«º¸¶ó °æº¸¡¯
Talk & Talk
|
1297 |
³ÝÇ÷º½º, ÈÇ·ç µî »çĪ¡®»ç±â¡¯¿äÁÖÀÇ!
Talk & Talk
|
4284 |
IL À¯±ÞÈÞ°¡ Àǹ«È, ÁÖÁö»ç ¼¸í¸¸ ³²¾Æ
Job & Work Life
|
4136 |
Çö´ëÂ÷ Çù·Â»ç ¼¼¿ø ¾Æ¸Þ¸®Ä«, Á¶Áö¾Æ¿¡ µÎ ¹øÂ° °øÀå ¼³¸³
Job & Work Life
|
6010 |
´ºÀúÁöÁÖ, °ø¹«¿ø °ÅÁÖ Àǹ« ÆóÁöµÉ µí
Talk & Talk
|
4558 |
°í¼÷·Ã À̹ÎÀÚ Ãë¾÷Áö¿ø¿¡ ´º¿åÁÖÁ¤ºÎ 438¸¸ºÒ ÅõÀÔ
Talk & Talk
|
5573 |
ÁÖÅà ¸Å¸Å, 12°³¿ù ¿¬¼Ó °¨¼Ò¡¦Åë°è Áý°è ÈÄ ÃÖÀå±â ±â·Ï
Talk & Talk
|
5895 |
¼Òµæ 30% ÀÌ»ó ·»Æ®ºñ·Î¡¦LA 35.6%
Talk & Talk
|
6509 |
°¡ÁÖ ÀÚµ¿Â÷º¸Çè·á ÁÙÁÙÀÌ Å©°Ô ¿À¸¥´Ù
Talk & Talk
|
4668 |
ºÏºÎ´Â ´«º¸¶ó Ä¡´Âµ¥ µ¿ºÎ´Â Àϱ¤¿å¡¦\'±Ø°ú ±Ø\' ¹Ì±¹ÀÇ °Ü¿ï
Talk & Talk
|
5685 |