{"id":30162,"date":"2021-06-15T19:17:49","date_gmt":"2021-06-15T17:17:49","guid":{"rendered":"https:\/\/www.investglass.com\/?p=30162"},"modified":"2025-10-28T11:32:43","modified_gmt":"2025-10-28T10:32:43","slug":"%eb%84%a4%ec%98%a4%eb%b1%85%ed%81%ac%ea%b0%80-%eb%90%98%eb%a0%a4%eb%a9%b4-%ec%96%b4%eb%96%a4-%eb%9d%bc%ec%9d%b4%ec%84%a0%ec%8a%a4%ea%b0%80-%ed%95%84%ec%9a%94%ed%95%a9%eb%8b%88%ea%b9%8c","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/which-license-do-you-need-to-become-a-neobank\/","title":{"rendered":"\ub124\uc624\ubc45\ud06c\uac00 \ub418\ub824\uba74 \uc5b4\ub5a4 \ub77c\uc774\uc120\uc2a4\uac00 \ud544\uc694\ud558\ub098\uc694?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\ub2e4\uc74c\uacfc \uac19\uc740 \ubc29\ud5a5\uc73c\ub85c\uc758 \uc804\ud658&nbsp;<strong>\ub514\uc9c0\ud138 \ubc45\ud0b9<\/strong>&nbsp;\uac00 \uac00\uc18d\ud654\ub418\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<strong>\uc601\uad6d \uc131\uc778\uc758 36%<\/strong>&nbsp;\uc774\uc81c \ub514\uc9c0\ud138 \uc804\uc6a9 \uacc4\uc815\uc744 \uc0ac\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<strong>\ubc00\ub808\ub2c8\uc5bc \uc138\ub300\uc758 64%<\/strong>&nbsp;\uc571 \uae30\ubc18 \ubc45\ud0b9\uc5d0 \uc758\uc874\ud558\ub294 \uacbd\uc6b0(<a href=\"https:\/\/www.finder.com\/uk\/media\/press-release-digital-banking-2024?utm_source=chatgpt.com\">Finder<\/a>). \ub2e4\uc74c\uacfc \uac19\uc740 \uc120\ub3c4\uc801\uc778 \ub124\uc624\ubc45\ud06c\ub294&nbsp;<strong>Revolut<\/strong>&nbsp;\uadf8\ub9ac\uace0&nbsp;<strong>Monzo<\/strong>&nbsp;\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \ubc88\ucc3d\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.&nbsp;<strong>\uc804 \uc138\uacc4 \uc0ac\uc6a9\uc790 \uc218 4,500\ub9cc \uba85\uc744 \ub3cc\ud30c\ud55c Revolut<\/strong>&nbsp;\uadf8\ub9ac\uace0&nbsp;<strong>\uc601\uad6d \uace0\uac1d 1,000\ub9cc \uba85 \ub3cc\ud30c\ud55c Monzo<\/strong>&nbsp;2024\ub144(<a href=\"https:\/\/www.uktech.news\/fintech\/monzo-10-million-uk-customers-20240806?utm_source=chatgpt.com\">\uc601\uad6d \uae30\uc220 \ub274\uc2a4<\/a>). \ub514\uc9c0\ud138 \uc120\ud638\ub3c4\uac00 \ub192\uc544\uc9d0\uc5d0 \ub530\ub77c \uc804\ud1b5\uc801\uc778 \uc740\ud589\uc740 \uacbd\uc7c1\ub825\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \ud601\uc2e0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-license-do-you-need-to-become-a-neobank\">\ub124\uc624\ubc45\ud06c\uac00 \ub418\ub824\uba74 \uc5b4\ub5a4 \ub77c\uc774\uc120\uc2a4\uac00 \ud544\uc694\ud558\ub098\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ud2c8\uc0c8 \uc740\ud589\uc73c\ub85c \uc778\uc2dd\ub418\uae38 \uc6d0\ud558\uc2ed\ub2c8\uae4c \ub124\uc624\ubc45\ud06c\ub294 \uc0c8\ub85c\uc6b4 \ud615\ud0dc\uc758 \ub514\uc9c0\ud138 \uc804\uc6a9 \uc740\ud589\uc785\ub2c8\ub2e4. \ub124\uc624\ubc45\ud06c\ub294 \uae30\uc874 \uc740\ud589\uacfc \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc9c1\ubd88\uce74\ub4dc(\ub610\ub294 \ub124\uc624\ubc45\ud06c\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uacbd\uc6b0 \uc2e0\uc6a9\uce74\ub4dc)\uac00 \uc788\ub294 \ub2f9\uc88c \uc608\uae08 \uacc4\uc88c, \uc800\ucd95 \uacc4\uc88c, \ub300\ucd9c, \ubaa8\uae30\uc9c0, \ud22c\uc790 \uad00\ub9ac \uc11c\ube44\uc2a4 \ub4f1\uc758 \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc77c\uae4c\uc694? \uae30\uc874\uc758 \uc624\ud504\ub77c\uc778 \uc740\ud589\uc740 \uc800\ud56d\ub825\uc774 \uc788\uc744\uae4c\uc694?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ubd80\ubd84\uc758 \ub124\uc624\ubc45\ud06c\ub294 \uacb0\uc81c \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc9c0\ub9cc \u201c\ub124\uc624\ubc45\ud06c\u201d\ub85c \uc9c0\uc815\ub420 \uc218 \uc788\ub294 \uc790\uaca9\uc744 \uac16\ucd94\uc9c0 \ubabb\ud588\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9 \uae30\uad00 \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud55c \uae30\uad00\ub9cc \uc2a4\uc2a4\ub85c\ub97c \u201c\uc740\ud589\u201d \ub610\ub294 \u201c\ub124\uc624\ubc45\ud06c\u201d\ub77c\uace0 \ubd80\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4... \ub300\ubd80\ubd84\uc758 \uc740\ud589\uc740 \ud14c\ub9c8\ub178\uc2a4 \ub610\ub294 \uc544\ub974\ucf00\uc544 \uc778\ud504\ub77c\uc758 \uc9c0\uc6d0\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc624\ub298\ub0a0 \ub9e4\ub144 \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud558\ub294 \uc2e0\uaddc \ub124\uc624\ubc45\ud06c\uc758 \uc218\ub294 2016\ub144\uc5d0 \ube44\ud574 5\ubc30 \uc774\uc0c1 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud601\uc2e0\uc740 \uc8fc\ub85c \uc720\ub7fd\uacfc \uc544\uc2dc\uc544\uc5d0 \uc9d1\uc911\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5ec\ub7ec\ubd84\uc774 \uc54c\uace0 \uc788\uace0 \uc601\uac10\uc744 \uc5bb\uace0 \uc2f6\uc740 \uc120\uc218\ub294 \uc601\uad6d(\uc2a4\ud0c8\ub9c1 \ubc45\ud06c), \ud504\ub791\uc2a4(\ucfe4\ud1a0), \ud540\ub780\ub4dc(\ud640\ube44), \ub3c5\uc77c(N26), \ub7ec\uc2dc\uc544(\ud305\ud06c\uc624\ud504)\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1024x684.jpg\" alt=\"\uc740\uc0c9 \ub178\ud2b8\ubd81 \ucef4\ud4e8\ud130\uc758 \ud30c\ub780\uc0c9\uacfc \ud770\uc0c9 \ube44\uc790 \uce74\ub4dc\" class=\"wp-image-34400\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1024x684.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-768x513.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo-1536x1026.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/s8f8yglbpjo.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-new-financial-services-in-europe\">\uc720\ub7fd\uc758 \uc0c8\ub85c\uc6b4 \uae08\uc735 \uc11c\ube44\uc2a4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc720\ub7fd\uc758 \ub124\uc624\ubc45\ud06c\ub294 \uc0c8\ub85c\uc6b4 \uae30\uad00\ub4e4\uc774 \ub35c \uc5c4\uaca9\ud55c \uc2b9\uc778\uc744 \ubc1b\uace0 \uae08\uc735 \uc11c\ube44\uc2a4 \uc2dc\uc7a5\uc5d0 \uc9c4\uc785\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud558\ub294 \uc720\ub7fd \uacb0\uc81c \uc11c\ube44\uc2a4 \uc9c0\uce68 PSD1\uc744 \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \ud504\ub791\uc2a4\uc758 ACPR(\ud504\ub791\uc2a4), \uc601\uad6d\uc758 FCA, \ub3c5\uc77c\uc758 BaFin\uacfc \uac19\uc740 \uad6d\uac00 \uc5ed\ub7c9 \ub2f9\uad6d(NCA) \ub355\ubd84\uc5d0 \ud504\ub791\uc2a4\uc5d0\uc11c \ub77c\uc774\uc120\uc2a4\ub97c \ucde8\ub4dd\ud558\ub294 \uac83\uc774 \ub354 \uc27d\uc2b5\ub2c8\ub2e4.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-license-do-you-need-to-become-a-neobank-versus-traditional-banks\">\ub124\uc624\ubc45\ud06c\uac00 \ub418\ub824\uba74 \uae30\uc874 \uc740\ud589\uacfc \uc5b4\ub5a4 \ub77c\uc774\uc120\uc2a4\uac00 \ud544\uc694\ud558\ub098\uc694?<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-the-credit-or-banking-license-is-not-savings-accounts\">\uc2e0\uc6a9 \ub610\ub294 \uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub294 \uc800\ucd95 \uacc4\uc88c\uac00 \uc544\ub2d9\ub2c8\ub2e4.<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\uc2e0\uc6a9 \ub610\ub294 \uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub294 \uae08\uc735 \uae30\uad00\uc774 \uace0\uac1d \uc608\uae08\uc744 \uc218\ub77d\ud558\uace0 \uace0\uac1d \uc790\uae08\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc2e0\uc6a9\uc744 \ubc1c\ud589\ud560 \uc218 \uc788\ub3c4\ub85d \ud5c8\uc6a9\ud569\ub2c8\ub2e4. \uc608, \uc6b0\ub9ac\ub294 \uc804\ud1b5\uc801\uc778 \uc740\ud589\uacfc \ub9e4\uc6b0 \ud3d0\uc1c4\uc801\uc785\ub2c8\ub2e4. \ud604\uc7ac \uac00\uc0c1 \uc740\ud589 \ud3ec\ud138\uc744 \ud1b5\ud574 \uc740\ud589 \uacc4\uc88c\ub97c \uac1c\uc124\ud560 \uc218 \uc788\uc73c\uba70 \uc774\ub7ec\ud55c \ud68c\uc0ac\ub294 \uc678\ud658 \uac70\ub798, \ub85c\ubcf4 \uc5b4\ub4dc\ubc14\uc774\uc800, \uac04\ub2e8\ud55c \uc870\uc5b8, \uc790\uc0b0 \uad00\ub9ac \uc9c0\uc6d0, \uc0ac\ud68c\uc801 \ucc45\uc784 \ud22c\uc790\uc640 \uac19\uc740 \uc99d\uad8c \uad00\ub828 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc11c\ube44\uc2a4 \uad6c\ub3c5\uc740 \ub2e4\uc74c\uc744 \ud1b5\ud574 \uc774\ub8e8\uc5b4\uc9d1\ub2c8\ub2e4. <a href=\"https:\/\/www.investglass.com\/ko\/%eb%94%94%ec%a7%80%ed%84%b8-%eb%b1%85%ed%82%b9-%ed%94%8c%eb%9e%ab%ed%8f%bc%ec%9d%80-%ec%96%b4%eb%96%bb%ea%b2%8c-%eb%a7%8c%eb%93%9c%eb%82%98%ec%9a%94-2\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"995\">\ub514\uc9c0\ud138 \ubc45\ud0b9 \ud50c\ub7ab\ud3fc<\/a> \uadf8\ub9ac\uace0 \uc774\uac83\uc740 \uae30\uc874 \uc740\ud589\uc774 \uc9c1\uba74\ud55c \uc9c4\uc815\ud55c \uacbd\uc7c1 \uc804\ub7b5\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub294 \uad00\ud560 \uae30\uad00\uc5d0\uc11c \ubc1c\uae09\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud558\ub294 \uac83\uc740 \uc0c8\ub0b4\uae30\uc5d0\uac8c\ub294 \uc0c1\ub2f9\ud788 \uc5b4\ub824\uc6b8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. <a href=\"https:\/\/www.investglass.com\/ko\/2025%eb%85%84-%eb%94%94%ec%a7%80%ed%84%b8-%eb%b1%85%ed%82%b9%ec%9d%98-7%ea%b0%80%ec%a7%80-%ec%9d%b4%ec%a0%90\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ub514\uc9c0\ud138 \uc740\ud589<\/a>. \uc608\ub97c \ub4e4\uc5b4 \uc2a4\uc704\uc2a4\uc5d0\uc11c\ub294 \uc774\ub7f0 \uc720\ud615\uc758 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 <a data-wpil-monitor-id=\"2267\" href=\"https:\/\/www.investglass.com\/ko\/%ec%9d%80%ed%96%89%ea%b6%8c%ec%97%90%ec%84%9c-ai-%eb%8f%84%ec%9e%85%ec%9d%98-%ec%a3%bc%ec%9a%94-%ea%b3%bc%ec%a0%9c%ec%99%80-%ec%9d%b4%eb%a5%bc-%ea%b7%b9%eb%b3%b5%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95\/\" target=\"_blank\" rel=\"noopener\">\uc740\ud589 \uadf8\uac83\uc740 \uc9c4\uc815\ud55c \ub3c4\uc804\uc785\ub2c8\ub2e4<\/a>, \ub4f1\ubc18\ubcf4\ub2e4 \ub192\uae30 \ub54c\ubb38\uc5d0 \uc774 \uacfc\uc815\uc744 \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \uc800\ud76c\uc5d0\uac8c \ubb38\uc758\ud558\uc2e4 \uac83\uc744 \uac15\ub825\ud788 \uad8c\uc7a5\ud569\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc774\ub7ec\ud55c \uc720\ud615\uc758 \uc740\ud589\uc744 \uc124\ub9bd\ud558\ub824\uba74 \ubca0\ub978\uc5d0\uc11c \ub354 \ub9ce\uc740 \uc790\ubcf8\uae08\uacfc \ub9e4\uc6b0 \uac15\ub825\ud558\uace0 \uc798 \uc54c\ub824\uc9c4 \uc9c1\uc6d0\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub7ec\ud55c \uc720\ud615\uc758 \uae30\uc874 \uc740\ud589\uc744 \uad6c\ucd95\ud558\ub294 \ub370\ub294 \uc120\ud0dd\ud55c \uad00\ud560\uad8c\uc5d0 \ub530\ub77c \ucd5c\uc18c 12\uac1c\uc6d4\uc5d0\uc11c 24\uac1c\uc6d4\uc774 \uc18c\uc694\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc77c\ubc18\uc801\uc73c\ub85c \uc774\ub7ec\ud55c \uc720\ud615\uc758 \uc740\ud589\uc744 \uad6c\ucd95\ud558\ub824\uba74 \uc218\ud0c1 \ubc0f \ud68c\uacc4\ub97c \uc704\ud55c \ub9e4\uc6b0 \uac15\ub825\ud55c \ubc45\ud0b9 \uc11c\ube44\uc2a4 \ud30c\ud2b8\ub108\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-electronic-money-institution-license\">\uc804\uc790 \ud654\ud3d0 \uae30\uad00 \ub77c\uc774\uc120\uc2a4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub610 \ub2e4\ub978 \uc635\uc158\uc740 <a href=\"https:\/\/www.investglass.com\/ko\/emi-%ec%a0%84%ec%9e%90-%ed%99%94%ed%8f%90-%ea%b8%b0%ea%b4%80%ec%9d%b4-%eb%94%94%ec%a7%80%ed%84%b8-%ea%b8%88%ec%9c%b5%ec%9d%84-%ed%83%90%ec%83%89%ed%95%98%eb%8a%94-%eb%b0%a9%eb%b2%95-%ec%84%a4%eb%aa%85\/\" data-wpil-monitor-id=\"186\">\uae08\uc735\uc744 \uc9c0\uc6d0\ud558\ub294 \uc804\uc790 \ud654\ud3d0 \ub77c\uc774\uc120\uc2a4<\/a> IBAN \uc0dd\uc131 \ubc0f BIN \uc2a4\ud3f0\uc11c\uc2ed\uc744 \ud3ec\ud568\ud55c \uacb0\uc81c \uc11c\ube44\uc2a4 - \uc2e0\uc6a9 \uce74\ub4dc. \uc5ec\uae30\uc11c \uc804\uc790 \ud654\ud3d0 \ub77c\uc774\uc120\uc2a4\ub97c \uc0ac\uc6a9\ud558\uba74 \uace0\uac1d\uc5d0\uac8c \uc77c\uc0c1\uc801\uc778 \uacb0\uc81c\uc5d0 \ub300\ud574 \ub3d9\uc77c\ud55c \ubc45\ud0b9 \uacbd\ud5d8\uc744 \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc804\uc790 \ud654\ud3d0 \ub77c\uc774\uc120\uc2a4\uc5d0\ub294 \uba87 \uac00\uc9c0 \uc2e4\uc9c8\uc801\uc778 \uc81c\ud55c\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub530\ub77c\uc11c \uae30\uc874 \uc740\ud589\uc744 \ub9cc\ub4e4\uace0\uc790 \ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \ub9c9\ub2e4\ub978 \uae38\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc804\uc790 \ud654\ud3d0 \uae30\uad00 \ub77c\uc774\uc120\uc2a4\ub294 \ub9e4\uc6b0 \ube44\uc6a9 \ud6a8\uc728\uc801\uc774\uba70 \uc804\uc790 \ud654\ud3d0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub824\ub294 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ub9e4\uc6b0 \uc88b\uc740 \uc635\uc158\uc785\ub2c8\ub2e4. \uc774 \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub294 \uc2e0\uc6a9\uc744 \ubc1c\uae09\ud558\uac70\ub098 \uc2e0\uc6a9 \uc704\ud5d8\uc744 \ubd84\uc11d\ud558\uae30 \uc704\ud55c \uac83\uc774 \uc544\ub2d9\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub294 \uc608\uae08 \ubcf4\ud5d8\uc774\ub098 \uace0\uac1d \uc790\uae08\uc758 \uc804\ud1b5\uc801\uc778 \uc218\ud0c1\uc5d0\ub294 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4. \uc790\uae08\uc744 \uc218\ud0c1\ud558\ub824\uba74 \ud30c\ud2b8\ub108\uc2ed\uc744 \uc774\uc6a9\ud574\uc57c \ud569\ub2c8\ub2e4...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub124\uc624\ubc45\ud06c\ub294 \uc804\ud1b5 \uc740\ud589\uc744 \ub3d5\uace0... \uc804\ud1b5 \uc740\ud589\uc740 \ub124\uc624\ubc45\ud06c\ub97c \ub3d5\uc2b5\ub2c8\ub2e4. \uac10\uc0ac \ub77c\uc774\uc120\uc2a4\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 12\uac1c\uc6d4 \uc774\ub0b4\uc5d0 \ucde8\ub4dd\ud560 \uc218 \uc788\uc73c\uba70 \ubc95\uc801 \uc218\uc218\ub8cc\ub3c4 \uadf8\ub2e4\uc9c0 \uc911\uc694\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uae30\uc874 \uaddc\uc81c \ub77c\uc774\uc120\uc2a4 \uc2e0\uccad\uc5d0\ub294 \uc57d 15\ub9cc \uc720\ub85c\uac00 \uc18c\uc694\ub429\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\ud615\uc758 \uac00\uc0c1 \uc740\ud589\uc744 \uc124\uc815\ud558\ub294 \ub370 \ub4dc\ub294 \ud3c9\uade0 \ube44\uc6a9\uc740 100\ub9cc~200\ub9cc \uc720\ub85c\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1024x683.jpg\" alt=\"\uac74\ubb3c \ud074\ub85c\uc988\uc5c5 \uc0ac\uc9c4\" class=\"wp-image-34402\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/q8xsczyh6d8.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-payment-institution-license-nbsp-nbsp\">\uacb0\uc81c \uae30\uad00 \ub77c\uc774\uc120\uc2a4&nbsp;&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub610 \ub2e4\ub978 \uc635\uc158\uc740 \uacb0\uc81c \uae30\uad00 \ub77c\uc774\uc13c\uc2a4 \ub610\ub294 PI\ub85c \uc774\ub3d9\ud558\uc5ec \uc9c1\uc811 \uc2dc\uc2a4\ud15c\uc5d0\uc11c \uce74\ub4dc \ub610\ub294 \uc790\ub3d9 \uc774\uccb4\ub85c \uc218\ud589 \ud560 \uc218\uc788\ub294 \uacb0\uc81c \uc11c\ube44\uc2a4 \ubc0f \ubaa8\ub4e0 \uac70\ub798\ub97c \uc9c0\uc6d0\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ud574\uc0b0\uc740 \ub610\ud55c \ub4dc\ub85c\uc6b8\uacfc \uc0b0\ub9bc \uac70\ub798\ub85c \ud604\uae08\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. DSP2 \ub355\ubd84\uc5d0 PSD2 \ud398\uc774\uc2a4\ud2b8 \ud22c \ub514\uc878\ub8e8\uc158\uc740 \uc2e4\uc81c\ub85c \uc720\ub7fd\uc5d0\uc11c \ub9e4\uc6b0 \ud6a8\uc728\uc801\uc785\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ud574\uc0b0\uc5d0\ub294 \uba87 \uac00\uc9c0 \uc81c\ud55c \uc0ac\ud56d\ub3c4 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PI\ub294 \uc7a5\uae30 \uc2e0\uc6a9 \ub300\ucd9c\uc744 \ud5c8\uc6a9\ud558\uc9c0 \uc54a\uc9c0\ub9cc \ub2e4\ub978 \uae08\uc735 \uae30\uad00\uacfc\uc758 \ud2b9\uc815 \ub300\ucd9c \ubcf5\uad6c \uac00\ub2a5 \ube0c\ub9bf\uc9c0\ub97c \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc5b4\ub5a4 \uc758\ubbf8\uc5d0\uc11c \uc774\uac83\uc740 \uc804\uccb4 \uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub97c \uac16\uace0\uc790 \ud558\ub294 \uacbd\uc6b0 \uc9c0\ub984\uae38\uc785\ub2c8\ub2e4. \ud30c\ud2b8\ub108 \uc740\ud589\uc758 \ud504\ub85c\uadf8\ub7a8\uc744 \uc8fc\uc758 \uae4a\uac8c \uc0b4\ud3b4\ubcf4\uace0 \ud574\ub2f9 \uc740\ud589\uc5d0\uc11c \uac1c\uc778 \ub300\ucd9c \uc11c\ube44\uc2a4\ub97c \uc5b4\ub5bb\uac8c \ud638\uc2a4\ud305\ud560 \uc218 \uc788\ub294\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EMI\uc640 \ub2ec\ub9ac PI\ub294 \uc218\ud0c1\uc744 \ud560 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4! \ud504\ub791\uc2a4\uc758 \uc608\uae08 \ubcf4\uc99d \ubc0f \ud574\uacb0 \uae30\uae08(FGDR - Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution)\uc774 \uace0\uac1d\ub2f9 \ucd5c\ub300 \u20ac100,000\uae4c\uc9c0 \uc790\uae08\uc744 \ubcf4\uc7a5\ud558\ub294 \uc2e0\uc6a9 \uae30\uad00\uacfc \ud611\ub825\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc5b8\uc820\uac00 \uae30\uc874 \uc740\ud589\uc774 \ub418\uace0 \uc2f6\ub2e4\uba74 PI\uac00 \ub420 \uac83\uc785\ub2c8\ub2e4. \uc2e0\uccad \uc808\ucc28\ub294 12\uac1c\uc6d4\ub3c4 \ucc44 \uac78\ub9ac\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc720\ud615\uc758 \uad6c\uc870\uc5d0 \ub300\ud55c \ubc95\uc801 \uc218\uc218\ub8cc\ub294 5\ub9cc \uc720\ub85c\uc5d0\uc11c 15\ub9cc \uc720\ub85c\uc785\ub2c8\ub2e4. \uac00\uaca9\uc740 \uc81c\uacf5\ud558\uace0\uc790 \ud558\ub294 \uae08\uc735 \uc0c1\ud488\uacfc \uc740\ud589 \uacc4\uc88c \ud65c\ub3d9\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ud3c9\uade0\uc801\uc73c\ub85c \ub3c4\uc804\uc790 \uc740\ud589\uc740 \uc804\uccb4 \uc6b4\uc601 \uc790\uae08\uc744 \uc870\ub2ec\ud558\uae30 \uc704\ud574 45\ub9cc~150\ub9cc \uc720\ub85c\uc758 \uc790\ubcf8\uae08\uc774 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"599\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1024x599.jpg\" alt=\"\ud30c\ub780\uc0c9\uacfc \ub178\ub780\uc0c9 \ubcc4 \uae43\ubc1c\" class=\"wp-image-34404\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1024x599.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-300x176.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-768x449.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1-1536x899.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/8yw6tsb8tnc-1.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-payment-service-provider-agent-model\">\uacb0\uc81c \uc11c\ube44\uc2a4 \uacf5\uae09\uc790 \uc5d0\uc774\uc804\ud2b8 \ubaa8\ub378<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc544\uc2dc\uc544 \ubaa8\ub378\uc778 \uacbd\uc6b0 \uc790\uccb4 \ub77c\uc774\ud2b8 \ub77c\uc774\uc120\uc2a4 \uc720\ud615\uacfc \ub3c4\uc6c0\uc774 \ud544\uc694\ud569\ub2c8\ub2e4. \uc2a4\ud0c0\ud2b8\uc5c5\uacfc \uc870\uc9c1\uc774 \ub2e4\ub978 \ud68c\uc0ac\uc758 \uc0b0\ud558\uc5d0 \uc788\ub294 \uac83\uc744 \uc88b\uc544\ud574\uc57c \ud558\ub098\uc694? \uc2a4\ud0c0\ud2b8\uc5c5\uc740 \ucc4c\ub9b0\uc9c0 \ubc45\ud06c\uc758 \ubb34\ub9ac\uc5d0 \ud569\ub958\ud560 \uc218 \uc788\ub294 \ucda9\ubd84\ud55c \uaddc\ubaa8\ub97c \ub2ec\uc131\ud560 \ub54c\uae4c\uc9c0 \ud0c0\uc0ac \uc0b0\ud558\uc5d0 \uc6b4\uc601\ub429\ub2c8\ub2e4. \uadf8\ub4e4\uc740 \uac00\uc0c1\uc758 <a href=\"https:\/\/www.investglass.com\/ko\/%ec%a4%91%ec%95%99%ec%9d%80%ed%96%89%ec%9d%98-%ed%86%b5%ed%99%94-%ec%a0%95%ec%b1%85%ea%b3%bc-%ec%9d%98%ec%82%ac-%ea%b2%b0%ec%a0%95-%ea%b3%bc%ec%a0%95%ec%97%90-%eb%8c%80%ed%95%9c-ai%ec%9d%98-%ec%98%81\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2047\">\uc740\ud589 \uc815\ucc45<\/a> \ud30c\ud2b8\ub108 \uac00\uc0c1 \ubc45\ud0b9 \ub77c\uc774\uc120\uc2a4 \uc815\ucc45\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc0c8\ub85c\uc6b4 \uc740\ud589\uc740 \ud654\uc774\ud2b8 \ub77c\ubca8 \uc9c1\ubd88\uce74\ub4dc\ub85c \uc6b4\uc601\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6b0\uc0b0 \uc740\ud589\uc740 \uc774\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5 \uc5c5\uccb4\uc774\uba70 \uc608\uae08 \uacc4\uc88c, \ud1b5\ud654 \ubcc0\uacbd, \uacbd\uc0c1 \uacc4\uc88c, \uc608\uc0b0 \uad00\ub9ac, \uc628\ub77c\uc778 \ubc45\ud0b9\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 2 \uc77c \uc6b0\uc0b0 \ud68c\uc0ac\uc5d0\uc11c \ub77c\uc774\uc13c\uc2a4\ub97c \ubc1b\uc558\uc2b5\ub2c8\ub2e4. \uc774 \uc6b0\uc0b0 \ud68c\uc0ac\ub294 \uc790\uc0b0\uc758 \ube55\uc73c\ub85c \ub3c8\uc744 \ubc8c \uac83\uc785\ub2c8\ub2e4. \uad00\ub9ac \ub610\ub294 \uac70\ub798 \ud750\ub984\uc5d0 \ub530\ub77c. \ud14c\uc2a4\ud2b8\ud558\uae30\uc5d0 \uc544\uc8fc \uc88b\uc740 \ubc29\ubc95\uc785\ub2c8\ub2e4. <a href=\"https:\/\/www.investglass.com\/ko\/%ec%9d%80%ed%96%89-%eb%a7%88%ec%bc%80%ed%8c%85%ec%97%90%ec%84%9c-ai%ec%9d%98-%ed%98%81%ec%8b%a0%ec%a0%81%ec%9d%b8-%ec%a0%81%ec%9a%a9-%ec%82%ac%eb%a1%80\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2351\">\uc2e4\uc81c\ub85c \uc740\ud589\uc744 \uc2dc\uc791\ud558\uae30 \uc804\uc5d0<\/a>. \ubb3c\ub860 \uac00\uc7a5 \ud070 \uc7a5\uc810\uc740 \ube60\ub974\uac8c \uc2dc\uc791\ud560 \uc218 \uc788\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uac00\uc7a5 \ud070 \ub2e8\uc810\uc740 \ud0c0\uc0ac \uc2dc\uc2a4\ud15c\uacfc \ud1b5\uc81c\uc5d0 \uc758\uc874\ud574\uc57c \ud558\ubbc0\ub85c \ubcf5\uc7a1\ud55c KYC \ubc0f \uc218\uc815 \uc0ac\ud56d\uc744 \uad00\ub9ac\ud574\uc57c \ud55c\ub2e4\ub294 \uac83\uc785\ub2c8\ub2e4. \uc5c4\ube0c\ub810\ub7ec \uae08\uc735 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uac00 \uc131\uc7a5\uacfc \ud568\uaed8 \ub530\ub77c\uac08 \uc218 \uc788\ub294\uc9c0 \uc2e0\uc911\ud558\uac8c \ud14c\uc2a4\ud2b8\ud574\uc57c \ud569\ub2c8\ub2e4. \uc6d4\ubcc4 \uc720\uc9c0\ubcf4\uc218 \ube44\uc6a9\uc774 \uc774 \ubaa8\ub378\uc758 \uc7a5\uc560\ubb3c\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1024x683.jpg\" alt=\"\ud770\uc0c9\uacfc \uac80\uc740\uc0c9 \uccb4\ud06c\ubb34\ub2ac \ubc84\ud2bc\uc5c5 \uc2a4\ud3ec\uce20 \uc154\uce20\ub97c \uc785\uc740 \ub0a8\uc131\uc774 \uc2e4\ubc84 \ub9e5\ubd81\uc744 \uac00\ub9ac\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.\" class=\"wp-image-34374\" srcset=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1024x683.jpg 1024w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-300x200.jpg 300w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-768x512.jpg 768w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq-1536x1024.jpg 1536w, https:\/\/www.investglass.com\/wp-content\/uploads\/2022\/08\/y_6rqstqbyq.jpg 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-payment-neo-neo-licenses\">\uacb0\uc81c \ub124\uc624 \ub124\uc624 \ub77c\uc774\uc120\uc2a4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uc81c \uc804 \uc138\uacc4\uc5d0\uc11c \ubcf4\ub2e4 \uc720\uc5f0\ud55c \uaddc\uc81c\uc758 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc720\uc0ac \uc740\ud589 \ub77c\uc774\uc120\uc2a4\uc758 \uc2dc\uc791\uc744 \ud1b5\ud574 \ubcf5\uc7a1\ud55c \uc740\ud589 \ub77c\uc774\uc120\uc2a4 \uc5c6\uc774\ub3c4 \uc790\uc2e0\ub9cc\uc758 \uc740\ud589\uc744 \uad6c\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \uc0c8\ub85c\uc6b4 \uc720\ud615\uc758 \ub77c\uc774\uc120\uc2a4\ub294 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \uc740\ud589 \uae30\ud68c\uc758 \ubb38\uc744 \uc5f4\uc5b4\uc8fc\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc778\uc2a4\ud0c0\ud504\ub9b0\ud2b8 \uc740\ud589\uc758 \uc0c8\ub85c\uc6b4 \ubc84\uc804\uc740 \uacb0\uc81c\uc640 \uac19\uc740 \uae08\uc735 \uc11c\ube44\uc2a4\ub97c \uad00\ub300\ud55c \uaddc\uc81c \uc548\uc5d0\uc11c \uc2e4\uc81c\ub85c \uc81c\uacf5\ud569\ub2c8\ub2e4. \uacb0\uc81c \ub77c\uc774\uc13c\uc2a4\ub294 \uc885\uc885 \uc0c8\ub85c\uc6b4 \ub514\uc9c0\ud138 \uc740\ud589\uc758 \uc2dc\ud5d8\uc7a5\uc744 \uc81c\uacf5\ud558\ub294 \uaddc\uc81c \uc1a1\uae08 \uc0c1\uc790\uc640 \uad00\ub828\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-investglass-help-you-with-building-your-own-banking-services\">\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\ub294 \uc790\uccb4 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \uc5b4\ub5bb\uac8c \ub3c4\uc6c0\uc774 \ub418\ub098\uc694?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass\ub294 API\ub97c \uc99d\uba85\ud558\ub294 \ubaa8\ub4e0 \ud540\ud14c\ud06c\uc640 \uc5f0\uacb0\ud574\uc8fc\ub294 \ucc28\uc138\ub300 \ud575\uc2ec CRM \uc2dc\uc2a4\ud15c\uc785\ub2c8\ub2e4. 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Leading neobanks like&nbsp;Revolut&nbsp;and&nbsp;Monzo&nbsp;are thriving, with&nbsp;Revolut surpassing 45 million users globally&nbsp;and&nbsp;Monzo exceeding 10 million UK customers&nbsp;in 2024 (UK Tech News). As digital preferences grow, traditional banks must innovate to stay competitive. Which license do you need to [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[285],"class_list":["post-30162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-neobank-license"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.8 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Which license do you need to become a neobank? | InvestGlass<\/title>\n<meta name=\"description\" content=\"Which license do you need to become a neobank?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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\ud544\uc694\ud569\ub2c8\uae4c? | InvestGlass","description":"\ub124\uc624\ubc45\ud06c\uac00 \ub418\ub824\uba74 \uc5b4\ub5a4 \ub77c\uc774\uc120\uc2a4\uac00 \ud544\uc694\ud558\ub098\uc694?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/ko\/\ub124\uc624\ubc45\ud06c\uac00-\ub418\ub824\uba74-\uc5b4\ub5a4-\ub77c\uc774\uc120\uc2a4\uac00-\ud544\uc694\ud569\ub2c8\uae4c\/","og_locale":"ko_KR","og_type":"article","og_title":"Which license do you need to become a neobank?","og_description":"The shift toward&nbsp;digital banking&nbsp;is accelerating, with&nbsp;36% of UK adults&nbsp;now using digital-only accounts, and&nbsp;64% 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