{"id":38124,"date":"2023-08-25T14:57:53","date_gmt":"2023-08-25T12:57:53","guid":{"rendered":"https:\/\/www.investglass.com\/?p=38124"},"modified":"2025-03-26T06:12:16","modified_gmt":"2025-03-26T05:12:16","slug":"%ec%a0%84-%ec%84%b8%ea%b3%84-400%ea%b0%9c-%eb%84%a4%ec%98%a4%eb%b1%85%ed%81%ac-%ec%a4%91-%ec%88%98%ec%9d%b5%ec%84%b1-%ec%9e%88%eb%8a%94-%ea%b3%b3%ec%9d%80-5%ea%b0%9c-%eb%af%b8%eb%a7%8c-%eb%94%94","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/ko\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/","title":{"rendered":"\uc804 \uc138\uacc4 400\uac1c \ub124\uc624\ubc45\ud06c \uc911 \uc218\uc775\uc131\uc774 \uc788\ub294 \uacf3\uc740 51% \ubbf8\ub9cc\uc785\ub2c8\ub2e4: \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \uc218\uc218\uaed8\ub07c"},"content":{"rendered":"

\uc740\ud589 \uc5c5\uacc4\ub294 \ub514\uc9c0\ud138 \uc740\ud589\uc758 \ub4f1\uc7a5\uc73c\ub85c \uc778\ud574 \uae08\uc735 \uae30\uad00\uc758 \uc804\ud1b5\uc801\uc778 \uaddc\ubc94\uc774 \uc7ac\ud3b8\ub418\ub294 \uc9c0\uac01 \ubcc0\ub3d9\uc744 \uacaa\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc9c0\ub09c 10\ub144 \ub3d9\uc548 \ub514\uc9c0\ud138 \ubc45\ud0b9 \ud658\uacbd\uc5d0\uc11c \uc6b0\uc218\ud55c \uace0\uac1d \uacbd\ud5d8\uc744 \uc81c\uacf5\ud558\uace0\uc790 \ud558\ub294 \uac00\uc0c1 \uc740\ud589\uc758 \uc218\uac00 \uae09\uc99d\ud588\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \ucd5c\uadfc \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \ub514\uc9c0\ud138 \uc804\uc6a9 \uc740\ud589\uc774 \uc6b0\ud6c4\uc8fd\uc21c\uc73c\ub85c \uc0dd\uaca8\ub098\ub294 \uac00\uc6b4\ub370 \uc218\uc775\uc131\uc744 \ub2ec\uc131\ud55c \ub124\uc624\ubc45\ud06c\ub294 51% \ubbf8\ub9cc\uc5d0 \ubd88\uacfc\ud55c \uac83\uc73c\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uc911\uc694\ud55c \uacfc\uc81c\ub97c \uc81c\uae30\ud569\ub2c8\ub2e4. \uc65c \uadf8\ub807\uac8c \uc801\uc740 \uc218\uc758 \uac00\uc0c1 \uc740\ud589\uc774 \uc218\uc775\uc744 \ub0b4\ub294 \uac83\uc77c\uae4c\uc694?<\/p>\n\n\n\n

\ub514\uc9c0\ud138 \uc740\ud589\uc774 \ub418\uae30 \uc704\ud55c \ube44\uc6a9\uacfc \uae30\uc874 \uc740\ud589\uc758 \ube44\uc6a9 \ube44\uad50<\/strong><\/h2>\n\n\n\n

\uc6b0\uc120, \uc624\ud504\ub77c\uc778 \uc9c0\uc810\uc774 \uc5c6\uae30 \ub54c\ubb38\uc5d0 \ub300\ubd80\ubd84\uc758 \uacbd\uc6b0 \ube44\uc6a9 \uce21\uba74\uc5d0\uc11c \uc774\uc810\uc774 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc740\ud589<\/a>, \ud558\uc9c0\ub9cc \uc774\ub294 \ub192\uc740 \uace0\uac1d \ud655\ubcf4 \ube44\uc6a9\uc73c\ub85c \uc778\ud574 \uc0c1\uc1c4\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uce58\uc5f4\ud55c \uacbd\uc7c1\uc758 \uc2dc\ub300\uc5d0 \uc740\ud589\ub4e4\uc740 \uace0\uac1d \ud655\ubcf4\ub97c \uc704\ud574 \ub9c9\ub300\ud55c \ube44\uc6a9\uc744 \uc9c0\ucd9c\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \ub9c8\ucf00\ud305<\/a>, \ubaa8\ubc14\uc77c \uc571, \uace0\uc720\ud55c \uac00\uce58 \uc81c\uc548\uc740 \uace0\uac1d \ud655\ubcf4 \uc804\ub7b5\uc758 \ud575\uc2ec\uc744 \ud615\uc131\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ud55c\uad6d\uacfc \uac19\uc740 \ub2e4\ub978 \uae00\ub85c\ubc8c \uae08\uc735 \ud5c8\ube0c\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ud64d\ucf69\uc5d0\uc11c\ub3c4 \ub124\uc624\ubc45\ud06c\ub294 \ucc4c\ub9b0\uc800 \uc740\ud589<\/a>, \uc2e0\uaddc \uace0\uac1d\uc744 \ud655\ubcf4\ud558\uae30 \uc704\ud574 \uce58\uc5f4\ud55c \uacbd\uc7c1\uc744 \ubc8c\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774 \ub3c4\uc2dc\ub294 \ucc98\uc74c\uc73c\ub85c \ub514\uc9c0\ud138 \uc740\ud589<\/a> \ub294 \ub192\uc740 \uae30\ub300\uac10\uc744 \uc548\uace0 \ucd9c\ubc94\ud588\uc9c0\ub9cc, \uc18c\ub9e4 \uace0\uac1d \uc0ac\uc774\uc5d0\uc11c \ud3c9\ud310\uacfc \uc2e0\ub8b0\ub97c \uc313\uc740 \uae30\uc874 \uc740\ud589\ub4e4\uacfc \uacbd\uc7c1\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uadf8\uc911\uc5d0\uc11c\ub3c4 \uc2a4\ud0c8\ub9c1 \uc740\ud589\uc740 \ub208\uc5d0 \ub744\ub294 \uae30\uc5c5\uc785\ub2c8\ub2e4. \uc18c\ub9e4 \uae08\uc735 \ubd84\uc57c\uc5d0\uc11c \uc0c1\ub2f9\ud55c \uace0\uac1d \uae30\ubc18\uc744 \uad6c\ucd95\ud55c \uc774 \uc740\ud589\uc740 \ub370\uc774\ud130 \ubd84\uc11d\uc744 \ud65c\uc6a9\ud588\uc2b5\ub2c8\ub2e4. \uc778\uacf5 \uc9c0\ub2a5<\/a> \ub97c \ud1b5\ud574 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc744 \ucd5c\uc801\ud654\ud588\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \ub300\ucd9c\ubd80\ud130 \ubcf4\ud5d8 \uc0c1\ud488\uc5d0 \uc774\ub974\uae30\uae4c\uc9c0 \ub2e4\uc591\ud55c \uc218\uc775\uc6d0\uc744 \ud65c\uc6a9\ud558\uc5ec \ub2e4\ub978 \uae30\uc5c5\ubcf4\ub2e4 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138 \uc740\ud589<\/a>.<\/p>\n\n\n\n

\ub514\uc9c0\ud138 \ubb3c\uacb0, \ub808\uac70\uc2dc \uc2e0\ub8b0\uc5d0 \ub3c4\uc804\ud558\ub2e4: \ub450 \uac1c\uc758 \uc740\ud589 \uc2dc\ub300 \uc774\uc57c\uae30<\/strong><\/h2>\n\n\n\n

In the bustling financial hubs of South Korea and Hong Kong, the might of traditional banks reinforced by decades of unwavering trust stands tall. These banking behemoths, with their deep-rooted legacy, often find themselves being the primary choice for many. However, a new generation, captivated by the allure of digital prowess showcased by online banks, is emerging as a promising market segment. These digital aficionados are drawn towards virtual banking, captivated by its enticing promise of reduced fees and avant-garde financial tools tailored to their lifestyle.<\/p>\n\n\n\n

\ud558\uc9c0\ub9cc \uc774 \uc2e0\uc0dd \uc5c5\uccb4\ub4e4\uc5d0\uac8c \uc7a5\uc560\ubb3c\uc774 \uc5c6\ub294 \uac83\uc740 \uc544\ub2d9\ub2c8\ub2e4. \ud2b9\ud788 \ub178\ub828\ud55c \uae30\uc874 \uacbd\uc7c1\uc790\ub4e4\uacfc\uc758 \uacbd\uc7c1\uc5d0\uc11c \uc2e0\ub8b0\ub97c \uc5bb\ub294 \uac83\uc740 \uacb0\ucf54 \uc26c\uc6b4 \uc77c\uc774 \uc544\ub2d9\ub2c8\ub2e4. \ud64d\ucf69\uacfc \uac19\uc740 \ub3c4\uc2dc\uc758 \uae08\uc735 \ud658\uacbd\uc740 \ub3c5\ud2b9\ud55c \ud63c\ud569\uc744 \ubc18\uc601\ud558\uba70, \uace0\uac1d\uc740 \uc885\uc885 \ub450 \uac00\uc9c0 \uc2a4\ud399\ud2b8\ub7fc\uc5d0 \uac78\uccd0 \uae08\uc735 \uac70\ub798\ub97c \ubd84\uc0b0\ud569\ub2c8\ub2e4. \uace0\uac1d\ub4e4\uc740 \uc0c1\ub2f9\ud55c \uc800\ucd95\uacfc \uc0c1\ub2f9\ud55c \uacc4\uc88c \uc794\uace0\ub97c \ubcf4\uc720\ud55c \uae30\uc874 \uc740\ud589\uc5d0 \ub300\ud55c \uc2e0\ub8b0\ub97c \uc720\uc9c0\ud558\uba74\uc11c \ub3d9\uc2dc\uc5d0 \uac00\uc0c1 \uc740\ud589\uc774 \uc81c\uacf5\ud558\ub294 \uc2e0\uc120\ud55c \uc11c\ube44\uc2a4 \uc81c\ud488\uad70\uc744 \ud0d0\uc0c9\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

N26 \ub51c\ub808\ub9c8: \uc740\ud589 \uac10\ub3c5\uc5d0\uc11c \uc8fc\uc758\ud574\uc57c \ud560 \uc810<\/h4>\n\n\n\n

\uc774 \uc774\uc57c\uae30\uc5d0 \ubc18\uc804\uc744 \ub354\ud558\ub294 \uac83\uc740 \ucd5c\uadfc \ub3c5\uc77c\uc758 \uc2e0\uc0dd \uc740\ud589\uc778 N26\uc774 \uac10\uc2dc\ub9dd\uc5d0 \uac78\ub838\ub2e4\ub294 \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ub3c5\uc77c \uae08\uc735 \uac10\ub3c5\uae30\uad00\uc778 BaFin\uc73c\ub85c\ubd80\ud130 425\ub9cc \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc740 N26\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc774\uc720\ub85c \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0<\/a> \uc808\ucc28\uac00 \uc804\uba74\uc5d0 \ub4f1\uc7a5\ud588\uc2b5\ub2c8\ub2e4. \uc774 \uc9d5\uacc4 \uc870\uce58\ub294 7\uc6d4\uc5d0 \uc2e4\ud589\ub418\uc5c8\uc9c0\ub9cc \ucd5c\uadfc\uc5d0\uc57c \uacf5\uac1c\ub418\uc5c8\uc73c\uba70, 2019\ub144\uacfc 2020\ub144\uc5d0 \uac78\uccd0 \uc57d 50\uac74\uc758 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \ud65c\ub3d9 \uc2e0\uace0\uac00 \ub4a4\ub2a6\uac8c \uc811\uc218\ub41c \ub370\uc11c \ube44\ub86f\ub41c \uac83\uc785\ub2c8\ub2e4.<\/p>\n\n\n\n

N26, headquartered in Berlin and established in 2013, has since responded, emphasizing the corrective measures undertaken earlier this year. The bank’s stance is clear it remains unwaveringly committed to staunchly combating global \uae08\uc735 \uc0ac\uace0 \ubc0f \ubd80\uc9c0\ub7f0\ud788 \ub3c8\uc744 \uc608\ubc29\ud558\ub294 \ubc29\ubc95<\/a> \uc138\ud0c1.<\/p>\n\n\n\n

\ud22c\uae30\uc801 \uce21\uba74\uc744 \ub354\ud55c \uc2a4\uce74\uc774 \ub274\uc2a4\uc758 \ubcf4\ub3c4\ub294 \ub4dc\ub798\uace4\ub2c8\uc5b4 \uc778\ubca0\uc2a4\ud2b8\uba3c\ud2b8 \uadf8\ub8f9\uacfc N26\uc758 \uc7a0\uc7ac\uc801 \ud22c\uc790 \uc2ec\uc758\uc5d0 \ub300\ud574 \uc554\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ud22c\uc790\uac00 \uc131\uc0ac\ub41c\ub2e4\uba74 N26\uc758 \uac00\uce58\ub294 1\uc870 4,000\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc0ac\uc545\ud55c \uc870\uc9c1 \ubc94\uc8c4\uc758 \uc138\uacc4\uc640 \uae4a\uc219\uc774 \uc5bd\ud600 \uc788\ub294 \uc790\uae08 \uc138\ud0c1\uc758 \uadf8\ub9bc\uc790\ub294 \uc5b4\ub460\uc758 \uadf8\ub9bc\uc790\ub97c \ub4dc\ub9ac\uc6b0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc740\ud589\uc740 \ubcf8\uc758 \uc544\ub2c8\uac8c \uc774 \uae00\ub85c\ubc8c \uc704\ud611\uc758 \ud55c\uac00\uc6b4\ub370\uc5d0 \ud718\ub9d0\ub9ac\uac8c \ub429\ub2c8\ub2e4. \uc720\uc5d4\uc740 \ub9e4\ub144 1\uc870 4,000\uc870 2,000\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud558\ub294 \uc790\uae08\uc774 \ubd88\ubc95\uc801\uc73c\ub85c \uc720\uc785\ub418\ub294 \uac83\uc73c\ub85c \ucd94\uc0b0\ud558\uace0 \uc788\uc73c\uba70, \uc545\uc758\uc801\uc778 \ubc94\uc8c4\uc790\ub4e4\uc740 \uc885\uc885 \uc740\ud589\uc744 \uc740\uc2e0\ucc98\ub85c \ud65c\uc6a9\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc601\uad6d\uc5d0\uc11c\ub294 \uc790\uae08 \uc138\ud0c1\uc73c\ub85c \uc778\ud574 \uc601\uad6d \uacbd\uc81c\uac00 \uc5f0\uac04 \uc57d 240\uc5b5 \ud30c\uc6b4\ub4dc\uc758 \uc190\uc2e4\uc744 \uc785\ub294\ub2e4\uace0 \uc8fc\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\ucd5c\uadfc\uc758 \uc5ed\uc0ac\ub294 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0(AML) \uba54\ucee4\ub2c8\uc998\uc774 \ud5c8\uc220\ud55c \uc740\ud589\uc5d0 \ub300\ud55c \uaddc\uc81c\uc758 \ubd84\ub178\ub97c \uc99d\uba85\ud569\ub2c8\ub2e4. B2B \uc815\ubcf4 \uc5c5\uccb4\uc778 Kyckr\uc758 2021\ub144 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74, 2020\ub144\uc5d0 28\uac1c\uc758 \uae00\ub85c\ubc8c \uae08\uc735 \uae30\uad00\uc774 \uc57d 26\uc5b5 \ud30c\uc6b4\ub4dc\uc5d0 \ub2ec\ud558\ub294 AML \uad00\ub828 \uacfc\uc9d5\uae08\uc744 \ubd80\uacfc\ubc1b\uc740 \uac83\uc73c\ub85c \ubc1d\ud600\uc838 \uc6b0\ub824\uc2a4\ub7ec\uc6b4 \ucd94\uc138\uac00 \ub4dc\ub7ec\ub0ac\uc2b5\ub2c8\ub2e4. \uac19\uc740 \ud574 3\uc6d4\uc5d0 \uc788\uc5c8\ub358 \ub610 \ub2e4\ub978 \uc8fc\ubaa9\ud560 \ub9cc\ud55c \uc0ac\ub840\ub85c \uc2a4\uc6e8\ub374\uacfc \uc5d0\uc2a4\ud1a0\ub2c8\uc544\uc5d0 \uac78\uccd0 \uc788\ub294 Swedbank\uac00 AML \uc704\ubc18\uc73c\ub85c 3\uc5b5 4,700\ub9cc \uc720\ub85c\uc758 \ubc8c\uae08\uc744 \ubd80\uacfc\ubc1b\uc740 \uac83\uc744 \ub4e4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uae08\uc735 \ubc94\uc8c4: \ud540\ud14c\ud06c \ubc0f \ub124\uc624\ubc45\ud06c\uc758 \uc218\uc775\uc131 \uc57d\ud654<\/strong><\/h2>\n\n\n\n

\uae08\uc735 \ubc94\uc8c4\uac00 \ud540\ud14c\ud06c\uc640 \ub124\uc624\ubc45\ud06c\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \ub9c9\ub300\ud558\uba70, \uc774\ub4e4 \uae30\uc5c5\uacfc \uace0\uac1d\ub4e4\uc5d0\uac8c \ud070 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4:<\/p>\n\n\n\n

\uae08\uc804\uc801 \uacb0\uacfc:<\/strong> \uae08\uc735 \ubc94\uc8c4\ub85c \uc778\ud574 \ud540\ud14c\ud06c\uc640 \uc2e0\uc0dd \uc740\ud589\uc774 \uc9c1\uba74\ud55c \uc5b4\ub824\uc6c0 \uc911 \uac00\uc7a5 \ud070 \ubb38\uc81c\ub294 \ub2f9\uc7a5\uc758 \uc7ac\uc815\uc801 \ubd80\ub2f4\uc785\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc0ac\uae30 \ud589\uc704\ub85c \uc778\ud55c \uc190\uc2e4, \uc9c0\ubd88 \uac70\uc808, \uc9d5\ubc8c\uc801 \uc870\uce58, \ubc95\ub960 \ube44\uc6a9 \ub4f1\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4. \ud540\ud14c\ud06c \uae30\uc5c5\uc774 \ub514\uc9c0\ud138 \ubcf4\uc548 \uce68\ud574\uc758 \ud76c\uc0dd\uc591\uc774 \ub418\ub294 \uc2dc\ub098\ub9ac\uc624\ub97c \uc0dd\uac01\ud574 \ubcf4\uba74, \uc2dc\uc2a4\ud15c \ubcf5\uad6c, \ub3c4\uc6a9\ub41c \uc790\uae08\uc5d0 \ub300\ud55c \uace0\uac1d \ubcf4\uc0c1, \ubc8c\uae08 \uc815\uc0b0 \ub4f1\uc758 \ud6c4\uc18d \ube44\uc6a9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ub610\ud55c \uc790\uae08 \uc138\ud0c1\uc774\ub098 \ud14c\ub7ec \uc790\uae08 \uc9c0\uc6d0\uacfc \uac19\uc740 \ubb38\uc81c\ub294 \ud3c9\ud310\uc744 \ub5a8\uc5b4\ub728\ub9ac\uace0 \ud6c4\uc6d0 \uac10\uc18c\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\ud3c9\ud310 \uc190\uc0c1:<\/strong> \uae08\uc735 \ubc94\uc8c4\ub77c\ub294 \uc624\uba85\uc740 \ud540\ud14c\ud06c \ub610\ub294 \ub124\uc624\ubc45\ud06c\uc758 \ub300\uc678 \uc774\ubbf8\uc9c0\ub97c \uc2ec\uac01\ud558\uac8c \ud6fc\uc190\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ubd80\uc815\uc801 \uc0ac\uac74\uc740 \ud68c\uc0ac\uc758 \ube0c\ub79c\ub4dc \ubb34\uacb0\uc131\uc744 \ud6fc\uc190\ud558\uace0, \uace0\uac1d \uac04\uc758 \uc2e0\ub8b0\ub97c \uc57d\ud654\uc2dc\ud0a4\uba70, \uc5b8\ub860\uc758 \ubd80\uc815\uc801\uc778 \uad00\uc2ec\uc744 \ub04c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0 \uae30\uc900\uc744 \uc900\uc218\ud558\uc9c0 \uc54a\ub294 \ud540\ud14c\ud06c \uae30\uc5c5\uc740 \uaddc\uc81c \ub2f9\uad6d\uc758 \ubc18\ubc1c\uc5d0 \uc9c1\uba74\ud558\uc5ec \ud3c9\ud310 \uc190\uc0c1\uc774 \uc545\ud654\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ud540\ud14c\ud06c\uc640 \ub124\uc624\ubc45\ud06c\ub294 \uc2e0\uaddc \uace0\uac1d\uc744 \uc720\uce58\ud558\uace0 \uae30\uc874 \uace0\uac1d\uc744 \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc804\uccb4 \ubaa8\ub378\uc774 \uc774\ub7ec\ud55c \uae30\ub465\uc5d0 \ub2ec\ub824 \uc788\uae30 \ub54c\ubb38\uc5d0 \uc2e0\ub8b0\uc640 \ud3c9\ud310\uc774 \ud2b9\ud788 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uaddc\uc81c \ubc0f \ubc95\uc801 \ubb38\uc81c:<\/strong> \ubcf5\uc7a1\ud55c \uaddc\uc81c\uc640 \ubc95\ub960\uc758 \ubbf8\ub85c\ub294 \uae08\uc735 \ubd80\uc815\ud589\uc704\uc5d0 \uc5f0\ub8e8\ub41c \uae30\uc5c5\uc758 \ubb38\uc81c\ub97c \ub354\uc6b1 \ubcf5\uc7a1\ud558\uac8c \ub9cc\ub4ed\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ubb34\ubd84\ubcc4\ud55c \ud589\ub3d9\uc740 \uae30\uc874 \uaddc\uc815 \uc704\ubc18\uc73c\ub85c \uc774\uc5b4\uc838 \ubc8c\uae08, \uacfc\ud0dc\ub8cc \ub610\ub294 \ub354 \uc5c4\uaca9\ud55c \uc9d1\ud589 \uc870\uce58\ub85c \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc704\ubc18\uc740 \uaddc\uc815 \ubbf8\uc900\uc218\ubd80\ud130 \ub2e4\uc74c\uacfc \uac19\uc740 \ud589\uc704\uae4c\uc9c0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0(AML) <\/a>\uc9c0\uce68, \uace0\uac1d\uc54c\uae30\uc81c\ub3c4(KYC) \ud504\ub85c\ud1a0\ucf5c, \uc2ec\uc9c0\uc5b4 \uc81c\uc7ac \uc2ec\uc0ac\uae4c\uc9c0\ub3c4 \uc704\ubc18\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc704\ubc18\uc740 \uc989\uac01\uc801\uc778 \uae08\uc804\uc801 \uc601\ud5a5 \uc678\uc5d0\ub3c4 \uace0\uac1d\uc758 \uc2e0\ub8b0\ub97c \ub5a8\uc5b4\ub728\ub9ac\uace0 \ub77c\uc774\uc120\uc2a4 \uacc4\uc57d\uae4c\uc9c0 \uc704\ud0dc\ub86d\uac8c \ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub514\uc9c0\ud138 \uc740\ud589\uc758 \uc9c0\uc18d \uac00\ub2a5\uc131\uacfc \uc131\uc7a5<\/strong><\/h2>\n\n\n\n

\uae08\uc735 \uc5c5\uacc4\ub294 \ube44\uc6a9 \uc808\uac10\uacfc \ub514\uc9c0\ud138 \uc6b0\uc704\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \ub300\ubd80\ubd84\uc758 \uc2e0\uc0dd \uc740\ud589\uc774 \uc218\uc775\uc6d0\uc744 \ub2e4\uac01\ud654\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uace0 \uc788\ub294 \uac83\uc744 \ubaa9\uaca9\ud588\uc2b5\ub2c8\ub2e4. \ucd5c\ucd08\uc758 \ub514\uc9c0\ud138 \uc740\ud589\uc740 \ub0ae\uc740 \uc218\uc218\ub8cc\ub97c \uc81c\uacf5\ud558\uace0 \uc784\ubca0\ub514\ub4dc \uae08\uc735 \ud601\uba85\uc744 \uc57d\uc18d\ud560 \uc218 \uc788\uc9c0\ub9cc, \uc778\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud558\uba74 \uc218\uc775\uc131\uc744 \ud655\ubcf4\ud558\ub294 \uae38\uc740 \uac04\ub2e8\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4. \ubb38\uc81c\ub294 \uc2e0\uaddc \uace0\uac1d\uc744 \ud655\ubcf4\ud558\ub294 \ub370\uc11c \ub05d\ub098\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uace0\uac1d\uc744 \uc720\uc9c0\ud558\ub294 \ub370\uae4c\uc9c0 \ud655\uc7a5\ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\uae30\uc874 \uc740\ud589\ub4e4\uc740 \uae30\uc874 \uace0\uac1d \uae30\ubc18\uacfc \uc2e0\ub8b0\ub3c4 \ub192\uc740 \uc740\ud589 \ud3c9\ud310\uc744 \ud65c\uc6a9\ud558\uc5ec \ub514\uc9c0\ud138 \ubc45\ud0b9 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \uc2dc\uc791\ud588\uc2b5\ub2c8\ub2e4. \uc774\uc5d0 \ub530\ub77c \ud6c4\ubc1c \uc8fc\uc790\ub4e4\uacfc \uce58\uc5f4\ud55c \uacbd\uc7c1\uc744 \ubc8c\uc774\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uae30\uc874 \uc5c5\uccb4\ub4e4\ub3c4 \uc0c8\ub85c\uc6b4 \uc2dc\uc7a5\uc73c\ub85c \ub2e4\uac01\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc81c\ud488 \ud5a5\uc0c1<\/a> \uc11c\ube44\uc2a4 \ubc94\uc704.<\/p>\n\n\n\n

\uc911\uc18c\uae30\uc5c5 \ubc0f \uae30\uc5c5 \ub514\uc9c0\ud138 \ubc45\ud0b9: \uc218\uc775\uc131 \ud328\ub7ec\ub2e4\uc784\uc758 \uc804\ud658<\/strong><\/h2>\n\n\n\n

\uc911\uc18c\uae30\uc5c5(SMB) \ubc45\ud0b9\uc740 \ub514\uc9c0\ud138 \ubc45\ud0b9 \ubd80\ubb38\uc5d0\uc11c \uc218\uc775\uc131\uc744 \uc704\ud55c \ube44\uc625\ud55c \ub545\uc73c\ub85c \ube60\ub974\uac8c \ubd80\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uac1c\uc778 \uc18c\ub9e4 \uace0\uac1d\uc740 \uc800\ub834\ud55c \ube44\uc6a9\uc73c\ub85c \uc740\ud589 \uc11c\ube44\uc2a4\ub97c \ucc3e\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc, \uc911\uc18c\uae30\uc5c5\uc740 \uace0\uc720\ud55c \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294 \uc804\ubb38\ud654\ub41c \uc740\ud589 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud574 \uae30\uaebc\uc774 \uc218\uc218\ub8cc\ub97c \uc9c0\ubd88\ud560 \uc758\ud5a5\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uae30\uc874 \uae08\uc735\uae30\uad00\uc774 \uac04\uacfc\ud558\ub294 \uc774 \uace0\uac1d\uce35\uc740 \uac00\uc0c1 \uc740\ud589\uc758 \uc218\uc775\uc5d0 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub294 \ud2b9\uc131\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc6b0\uc120, \uc911\uc18c\uae30\uc5c5\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uc18c\ub9e4 \uace0\uac1d\uc5d0 \ube44\ud574 \ud604\uae08 \ud750\ub984\uacfc \uc608\uae08 \uaddc\ubaa8\uac00 \ub354 \ub192\uc2b5\ub2c8\ub2e4. \uc774\ub294 \uace7 \ub354 \ud070 \uc9c0\uac11\uc744 \uc758\ubbf8\ud558\uba70, \ub124\uc624\ubc45\ud06c\uac00 \ud65c\uc6a9\ud560 \uc218 \uc788\ub294 \ubb34\ub974\uc775\uc740 \uc2dc\uc7a5\uc785\ub2c8\ub2e4. \ub610\ud55c, \uc774\ub7ec\ud55c \uae30\uc5c5\ub4e4\uc740 \uc6b4\uc804\uc790\uae08\uc774\ub098 \ub9e4\ucd9c\ucc44\uad8c \uae08\uc735\uacfc \uac19\uc740 \uace0\uc218\uc775 \uc0c1\ud488\uc744 \ucc3e\ub294 \uacbd\uc6b0\uac00 \ub9ce\uae30 \ub54c\ubb38\uc5d0 \ub124\uc624\ubc45\ud06c\uc758 \uc7a0\uc7ac\uc801 \uc218\uc775\uc740 \ub354\uc6b1 \ub192\uc544\uc9d1\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc911\uc18c\uae30\uc5c5 \ubd80\ubb38\uc758 \uc2e0\uc0dd \uc740\ud589\uc758 \uc5ec\uc815\uc740 \uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub97c \ucde8\ub4dd\ud558\ub294 \uac83\uc73c\ub85c \uc2dc\uc791\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4. \uaddc\uc81c \ub2f9\uad6d\uc758 \ud5c8\uac00\ub97c \ubc1b\uc740 \uc774\ub4e4\uc740 \uae30\ubcf8\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \uac70\ub798 \uacc4\uc88c\ub97c \ud1b5\ud574 \uc11c\ube44\uc2a4\ub97c \uc2dc\uc791\ud569\ub2c8\ub2e4. \uc2dc\uac04\uc774 \uc9c0\ub0a8\uc5d0 \ub530\ub77c \ub370\uc774\ud130 \uc778\uc0ac\uc774\ud2b8\ub97c \ubc14\ud0d5\uc73c\ub85c \uc911\uc18c\uae30\uc5c5\uc744 \uc704\ud55c \ub2e4\uc591\ud55c \uc0c1\ud488\uacfc \uc11c\ube44\uc2a4\ub85c \ud655\uc7a5\ud574 \ub098\uac11\ub2c8\ub2e4. \uc5ec\uae30\uc5d0\ub294 \uc800\ucd95 \uacc4\uc88c\uc640 \uc1a1\uc7a5 \uae08\uc735\ubd80\ud130 \ud68c\uacc4 \ud30c\ud2b8\ub108\uc640\uc758 \uc6d0\ud65c\ud55c \ud1b5\ud569, \ub9de\ucda4\ud615 \ub300\ucd9c \uc194\ub8e8\uc158\uae4c\uc9c0 \ub2e4\uc591\ud569\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub2e4\uac01\ud654\ub294 \uace0\uac1d \uc720\uc9c0\uc5d0 \ub3c4\uc6c0\uc774 \ub420 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uae30\uc874 \uace0\uac1d\uacfc \ub354 \uae4a\uc740 \uad00\uacc4\ub97c \uad6c\ucd95\ud558\uc5ec \uc7a5\uae30\uc801\uc778 \uad00\uacc4\ub97c \uc870\uc131\ud558\ub294 \ub370\ub3c4 \ub3c4\uc6c0\uc774 \ub429\ub2c8\ub2e4.<\/p>\n\n\n\n

\ub204\ud0ed\uc744 \ucd9c\uc2dc\ud55c \ub204\ubc45\ud06c\uc758 \ud601\uc2e0\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc740 \ub9e4\ub825\uc801\uc778 \uc0ac\ub840\uc785\ub2c8\ub2e4. \ub514\uc9c0\ud138 POS \ub2e8\ub9d0\uae30\uc778 NuTap\uc740 \ud310\ub9e4\uc790\uac00 \uc2a4\ub9c8\ud2b8\ud3f0\uc744 \uacb0\uc81c \uc218\ub77d \uc7a5\uce58\ub85c \uc804\ud658\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \ub2e8\uc21c\ud55c \uce74\ub4dc \uacb0\uc81c\ub97c \ub118\uc5b4 \u2018\uc120\uad6c\ub9e4, \ud6c4\uacb0\uc81c\u2019 \uae30\ub2a5\uc744 \ud1b5\ud569\ud558\uc5ec \ud3b8\ub9ac\ud568\uacfc \uae08\uc735 \ud3ec\uc6a9\uc131\uc744 \uacb0\ud569\ud569\ub2c8\ub2e4. \uc774\ub294 \ub124\uc624\ubc45\ud06c\uac00 \uac1c\uc778 \uace0\uac1d\ubfd0\ub9cc \uc544\ub2c8\ub77c \ub2e4\uc74c\uacfc \uac19\uc740 \uace0\uac1d\ub4e4\uc5d0\uac8c\ub3c4 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uae30 \uc704\ud574 \uc804\ub7b5\uc744 \uc7ac\uc870\uc815\ud558\uace0 \uc788\uc74c\uc744 \ubcf4\uc5ec\uc8fc\ub294 \ub300\ud45c\uc801\uc778 \uc608\uc2dc\uc785\ub2c8\ub2e4. \uc911\uc18c\uae30\uc5c5<\/a> \ubc0f \uae30\ud0c0 \ube44\uc988\ub2c8\uc2a4\uc5d0 \ub300\ud55c \ud3ec\uad04\uc801\uc774\uace0 \ucd1d\uccb4\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc720\uba85 \ucee8\uc124\ud305 \uadf8\ub8f9\uc758 \ucd5c\uadfc \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 SMB \ubd80\ubb38\uc744 \ud0c0\uae43\uc73c\ub85c \ud558\ub294 \uc2e0\uc0dd \uc740\ud589\uc740 \uc81c\uacf5\ud560 \uc218 \uc788\ub294 \ub2e4\uc591\ud55c \uc11c\ube44\uc2a4\uc640 \uace0\uac1d\ub2f9 \uc218\uc775\uc774 \ub192\uc544 \uc9c0\uc18d\uc801\uc778 \uc218\uc775\uc131\uc744 \ub2ec\uc131\ud560 \uac00\ub2a5\uc131\uc774 \ub192\ub2e4\uace0 \uac15\uc870\ud588\uc2b5\ub2c8\ub2e4. SMB \ubc45\ud0b9\uc5d0 \ub300\ud55c \uac15\uc870\ub294 \ub2e8\uc21c\ud788 \uc11c\ube44\uc2a4\uc758 \uc9c4\ud654\ub97c \uc758\ubbf8\ud558\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \ub2e4\uc591\ud55c \uace0\uac1d\uce35\uc758 \ub2e4\uc591\ud55c \uc694\uad6c\ub97c \uc778\uc2dd\ud558\ub294 \ud601\uc2e0\uc801 \ubcc0\ud654\ub97c \uac15\uc870\ud569\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\uc640 ChatGPT\ub97c \ud1b5\ud55c \uc740\ud589 \uc0b0\uc5c5\uc758 \ubbf8\ub798 \uc804\ub9dd<\/strong><\/h2>\n\n\n\n

\ud55c \uc720\uba85 \ucee8\uc124\ud305 \uadf8\ub8f9\uc758 \uc800\uba85\ud55c \ub9ac\ub354\ub294 \u201c\ub514\uc9c0\ud138 \uc740\ud589, \ud2b9\ud788 \uc2e0\uc0dd \uc740\ud589\uc740 \ub208\uc5d0 \ub744\uc9c0 \uc54a\uac70\ub098 \uc778\uc218 \ube44\uc6a9\uc744 \ub2a5\uc219\ud558\uac8c \ud1b5\uc81c\ud558\uc9c0 \ubabb\ud558\uba74 \ud754\ub4e4\ub9b4 \uc704\ud5d8\uc774 \ud06c\ub2e4\u201d\uace0 \ud1b5\ucc30\ub825 \uc788\uac8c \uc9c0\uc801\ud588\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c\ub85c \uc740\ud589 \uc218\uc775\uc131\uc758 \uae38\uc740 \ub2e4\uac01\ud654\ub41c \uc218\uc775 \ucc44\ub110\uacfc \ud604\uba85\ud55c \uc7ac\ubb34 \uad00\ub9ac, \uace0\uac1d \uc9c0\uc6d0\uacfc \uc2e0\uc911\ud55c \uc7ac\uc815\uc801 \uc120\ud0dd\uc758 \uade0\ud615\uc744 \ud1b5\ud574 \uc5f4\ub9bd\ub2c8\ub2e4.<\/p>\n\n\n\n

DBS\uc640 \uac19\uc740 \uae30\uad00\uc758 \uc131\uacf5 \uc0ac\ub840 \uc740\ud589\uacfc \uc2a4\ud0c8\ub9c1 \uc740\ud589\uc740 \ud601\uc2e0\uc801\uc778<\/a> \uc811\uadfc \ubc29\uc2dd\uc785\ub2c8\ub2e4. \uc774\ub4e4\uc740 \uc804\ud1b5\uc801\uc778 \uc740\ud589\uc5c5\uc758 \uc0c1\uc9d5\uc778 \uc624\ub79c \uc2e0\ub8b0\uc640 \ub514\uc9c0\ud138 \uae08\uc735\uc758 \ud2b9\uc9d5\uc778 \uc5ed\ub3d9\uc131 \ubc0f \ud601\uc2e0\uc744 \uc644\ubcbd\ud558\uac8c \uacb0\ud569\ud588\uc2b5\ub2c8\ub2e4. \ub514\uc9c0\ud138<\/a> \uc2dc\ub300. \uc774\ub4e4\uc758 \uc131\uacf5 \uc0ac\ub840\ub294 \ub3c4\uc804\uc73c\ub85c \uac00\ub4dd\ud55c \uae38\uc774\uc9c0\ub9cc, \uae30\uc874 \ubc45\ud0b9\uacfc \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \uc735\ud569\uc740 \ubc88\ucc3d\ud558\uace0 \uc601\uc18d\uc801\uc778 \ube44\uc988\ub2c8\uc2a4 \ubaa8\ub378\uc758 \uccad\uc0ac\uc9c4\uc744 \uc81c\uc2dc\ud55c\ub2e4\ub294 \uba54\uc2dc\uc9c0\ub97c \uc804\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc774\ub7f0 \uc810\uc5d0\uc11c \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \ub124\uc624\ubc45\ud06c\uc5d0\uac8c \ud76c\ub9dd\uc758 \ub4f1\ubd88\uc774 \ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\ucca8\ub2e8 CRM<\/a>, \ub514\uc9c0\ud138 \uc628\ubcf4\ub529<\/a>, \ubc0f \uc790\ub3d9\ud654 \uae30\ub2a5\uc744 \ud1b5\ud574 \uc778\ubca0\uc2a4\ud2b8\uae00\ub798\uc2a4\ub294 \ub124\uc624\ubc45\ud06c\uac00 \uace0\uac1d\uacfc \uc18c\ud1b5\ud558\uace0 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \ubc29\uc2dd\uc744 \ud601\uc2e0\uc801\uc73c\ub85c \ubcc0\ud654\uc2dc\ud0ac \uc218 \uc788\uc2b5\ub2c8\ub2e4. ChatGPT\uc640 \uac19\uc740 AI \uae30\ubc18 \ucc44\ud305 \ubaa8\ub378\uc744 \ud1b5\ud569\ud558\uba74 \uc774\ub7ec\ud55c \uacbd\ud5d8\uc744 \ub354\uc6b1 \ud5a5\uc0c1\uc2dc\ucf1c \uc2e4\uc2dc\uac04 \uac1c\uc778\ud654\ub41c \uc0c1\ud638\uc791\uc6a9\uc744 \uc81c\uacf5\ud568\uc73c\ub85c\uc368 \ub354 \uae4a\uc740 \uc2e0\ub8b0\ub97c \uad6c\ucd95\ud558\uace0 \uac00\uce58 \uc81c\uc548\uc744 \uac15\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

\uc694\uc57d\ud558\uc790\uba74, \ub124\uc624\ubc45\ud06c\uc758 \ub4f1\uc7a5\uc740 \uae08\uc735 \uc9c0\ud615\uc744 \uc7ac\ud3b8\ud55c \uac83\uc740 \ubd84\uba85\ud55c \uc0ac\uc2e4\uc785\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \uc9c0\uc18d \uac00\ub2a5\ud55c \uc218\uc775\uc131\uc744 \ud655\ubcf4\ud558\ub824\uba74 \ube44\uc6a9 \uad00\ub9ac, \uc2e0\ub8b0 \uad6c\ucd95, \ub9e4\ub825\uc801\uc778 \uc0c1\ud488 \ucd9c\uc2dc \ub4f1 \uc138\uc2ec\ud55c \uc548\ubb34\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ud074\ub798\uc2dd \ubc45\ud0b9\uacfc \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \uaca9\ucc28\uac00 \uc881\ud600\uc9c0\uba74\uc11c \uae08\uc735\uacc4\ub294 \uc218\uc775\uc131\ubfd0\ub9cc \uc544\ub2c8\ub77c \ubcc0\ud654\ud558\ub294 \uace0\uac1d\uc758 \uc120\ud638\ub3c4\uc5d0 \ubd80\uc751\ud558\ub294 \uc740\ud589\uc758 \uc774\uc57c\uae30\uac00 \ub354 \ub9ce\uc774 \ub098\uc624\uae30\ub97c \uac04\uc808\ud788 \uae30\ub300\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

The banking industry is undergoing a seismic shift, driven largely by the emergence of digital banks, reshaping the traditional norms of financial institutions. The last decade has witnessed a surge in the number of virtual banks, aiming to offer a superior customer experience in the digital banking landscape. Yet, in this sprawling world of digital-only […]<\/p>\n","protected":false},"author":1,"featured_media":38125,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[519],"class_list":["post-38124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-neobanks-are-profitable"],"yoast_head":"\nWhy Most Neobanks Aren\u2019t Profitable in 2023<\/title>\n<meta name=\"description\" content=\"Explore why most neobanks struggle with profitability and what it means for the future of digital banking.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/ko\/\uc804-\uc138\uacc4-400\uac1c-\ub124\uc624\ubc45\ud06c-\uc911-\uc218\uc775\uc131-\uc788\ub294-\uacf3\uc740-5\uac1c-\ubbf8\ub9cc-\ub514\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Less Than 5% of the World\u2019s 400 Neobanks are Profitable: The Digital Banking Conundrum\" \/>\n<meta property=\"og:description\" content=\"The banking industry is undergoing a seismic shift, driven largely by the emergence of digital banks, reshaping the traditional norms of financial\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/ko\/\uc804-\uc138\uacc4-400\uac1c-\ub124\uc624\ubc45\ud06c-\uc911-\uc218\uc775\uc131-\uc788\ub294-\uacf3\uc740-5\uac1c-\ubbf8\ub9cc-\ub514\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-25T12:57:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-26T05:12:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1067\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"8\ubd84\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"2023\ub144\uc5d0 \ub300\ubd80\ubd84\uc758 \ub124\uc624\ubc45\ud06c\uac00 \uc218\uc775\uc744 \ub0b4\uc9c0 \ubabb\ud558\ub294 \uc774\uc720","description":"\ub300\ubd80\ubd84\uc758 \uc2e0\uc0dd \uc740\ud589\uc774 \uc218\uc775\uc131 \ubb38\uc81c\ub85c \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uc774\uc720\uc640 \uc774\uac83\uc774 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \ubbf8\ub798\uc5d0 \uc5b4\ub5a4 \uc758\ubbf8\uac00 \uc788\ub294\uc9c0 \uc54c\uc544\ubcf4\uc138\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\/\uc804-\uc138\uacc4-400\uac1c-\ub124\uc624\ubc45\ud06c-\uc911-\uc218\uc775\uc131-\uc788\ub294-\uacf3\uc740-5\uac1c-\ubbf8\ub9cc-\ub514\/","og_locale":"ko_KR","og_type":"article","og_title":"Less Than 5% of the World\u2019s 400 Neobanks are Profitable: The Digital Banking Conundrum","og_description":"The banking industry is undergoing a seismic shift, driven largely by the emergence of digital banks, reshaping the traditional norms of financial","og_url":"https:\/\/www.investglass.com\/ko\/\uc804-\uc138\uacc4-400\uac1c-\ub124\uc624\ubc45\ud06c-\uc911-\uc218\uc775\uc131-\uc788\ub294-\uacf3\uc740-5\uac1c-\ubbf8\ub9cc-\ub514\/","og_site_name":"InvestGlass","article_published_time":"2023-08-25T12:57:53+00:00","article_modified_time":"2025-03-26T05:12:16+00:00","og_image":[{"width":1600,"height":1067,"url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg","type":"image\/jpeg"}],"author":"InvestGlass","twitter_card":"summary_large_image","twitter_creator":"@investglass","twitter_site":"@investglass","twitter_misc":{"\uae00\uc4f4\uc774":"InvestGlass","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"8\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#article","isPartOf":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/"},"author":{"name":"InvestGlass","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24"},"headline":"Less Than 5% of the World\u2019s 400 Neobanks are Profitable: The Digital Banking Conundrum","datePublished":"2023-08-25T12:57:53+00:00","dateModified":"2025-03-26T05:12:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/"},"wordCount":1717,"publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"image":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg","keywords":["Neobanks are Profitable"],"articleSection":["Article"],"inLanguage":"ko-KR","copyrightYear":"2023","copyrightHolder":{"@id":"https:\/\/www.investglass.com\/ko\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/","url":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/","name":"2023\ub144\uc5d0 \ub300\ubd80\ubd84\uc758 \ub124\uc624\ubc45\ud06c\uac00 \uc218\uc775\uc744 \ub0b4\uc9c0 \ubabb\ud558\ub294 \uc774\uc720","isPartOf":{"@id":"https:\/\/www.investglass.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#primaryimage"},"image":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#primaryimage"},"thumbnailUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg","datePublished":"2023-08-25T12:57:53+00:00","dateModified":"2025-03-26T05:12:16+00:00","description":"\ub300\ubd80\ubd84\uc758 \uc2e0\uc0dd \uc740\ud589\uc774 \uc218\uc775\uc131 \ubb38\uc81c\ub85c \uc5b4\ub824\uc6c0\uc744 \uacaa\ub294 \uc774\uc720\uc640 \uc774\uac83\uc774 \ub514\uc9c0\ud138 \ubc45\ud0b9\uc758 \ubbf8\ub798\uc5d0 \uc5b4\ub5a4 \uc758\ubbf8\uac00 \uc788\ub294\uc9c0 \uc54c\uc544\ubcf4\uc138\uc694.","breadcrumb":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#primaryimage","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/08\/5oumf1mr5pu.jpg","width":1600,"height":1067,"caption":"Neobanks are Profitable"},{"@type":"BreadcrumbList","@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"InvestGlass","item":"https:\/\/www.investglass.com\/"},{"@type":"ListItem","position":2,"name":"Less Than 5% of the World\u2019s 400 Neobanks are Profitable: The Digital Banking Conundrum"}]},{"@type":"WebSite","@id":"https:\/\/www.investglass.com\/#website","url":"https:\/\/www.investglass.com\/","name":"InvestGlass","description":"\uc2a4\uc704\uc2a4 \uc18c\ubc84\ub9b0 CRM","publisher":{"@id":"https:\/\/www.investglass.com\/#organization"},"alternateName":"InvestGlass","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.investglass.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":["Organization","Place"],"@id":"https:\/\/www.investglass.com\/#organization","name":"InvestGlass","url":"https:\/\/www.investglass.com\/","logo":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#local-main-organization-logo"},"image":{"@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#local-main-organization-logo"},"sameAs":["https:\/\/x.com\/investglass","https:\/\/www.linkedin.com\/company\/investglass\/","https:\/\/www.youtube.com\/channel\/UCt5r5XgzbSq2KhguJQxCwyA"],"telephone":[],"openingHoursSpecification":[{"@type":"OpeningHoursSpecification","dayOfWeek":["Monday","Tuesday","Wednesday","Thursday","Friday","Saturday","Sunday"],"opens":"09:00","closes":"17:00"}]},{"@type":"Person","@id":"https:\/\/www.investglass.com\/#\/schema\/person\/4682ebae5d718a2ed1b77c9dab0a1f24","name":"InvestGlass","image":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8fb928ff37ca45def17ac75d6e799fb75f3f24f123aa31be169bfaf65f59dd40?s=96&d=mm&r=g","caption":"InvestGlass"},"sameAs":["https:\/\/www.investglass.com"],"url":"https:\/\/www.investglass.com\/ko\/author\/axginvestglass-com\/"},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/www.investglass.com\/less-than-5-of-the-worlds-400-neobanks-are-profitable-the-digital-banking-conundrum\/#local-main-organization-logo","url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","contentUrl":"https:\/\/www.investglass.com\/wp-content\/uploads\/2023\/10\/InvestGlass-blue2.png","width":839,"height":192,"caption":"InvestGlass"}]}},"_links":{"self":[{"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/posts\/38124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/comments?post=38124"}],"version-history":[{"count":0,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/posts\/38124\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/media\/38125"}],"wp:attachment":[{"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/media?parent=38124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/categories?post=38124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investglass.com\/ko\/wp-json\/wp\/v2\/tags?post=38124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}