ڵȭ ü鿡 ̵ ٷ ƿҽ̿ Ѵ. 츮 â ŷ ϴ , ܿ ġǾ ִ ATM/CD⸦ ݼ ϻȭǾ. Ư 5 ٹ ϰ, ATM/CD ̿ð ȮǸ鼭 ڵȭ ϰ ְ, ð ΰǺ ϴ óϷ յǸ鼭 ڵȭ⸦ ̿ ý Ȱȭǰ ִ.
̷ ذ ¾ 鼭 ڵȭ ü Կ ұϰ Ư 庮 ϰ ִ ̴. ü ְ, ⺻ ִ ŷ ʿϴٴ , ٷ ̴ ġ ʴ´ٴ , Ը Ȯ ʿϴٴ , (Ʈũ, ΰǺ, ) 䱸 ȴٴ װ̴.
Ŀ ںչ ǽ Ű ϰ ְ, Կ ڵȭ ۿ ߰ ִٰ ִ. ȭ Ȯ, Ǿ ް ̽ ڵȭ ü鿡 ū ȸ ȴ.
2000 ̸ ų ϴµ üǴ Ȯ ִ. ̴ ڵȭ Ȯ üϿ ̴. IMF ᱹ η ̾, η ߴ ڵȭⰡ ڸ ü߱ ̶ ִ. ߿ ε ̿ ӵ ̸ Ѿ Ȯ ̶ ̴. ڵȭ Ȳ ᱹ ˸ Ѵٰ ִ.
ڵȭ ü ũ ǰü Ʈü, ü, ִ. ڵȭ ũ CD, CDP, ATM ִµ CD(Cash Dispenser) ݼ, ü ٽɺǰ̴. CDP(Cash Dispenser Printer) CD Ѵܰ ȭ ǰ , ݼ, ü ̿ܿ μ, ܿ ʿϴ. ATM(Auto Teller Machine) ȭ μ , ݼ, ü, ̿ܿ Ա ū ϴ ǰ ȯ (BRM, Bill Recycling Machine) ߰ ־ Ѵ. BRM ATM ٽɱμ ν ĺ ϰ ־ Ա ʼ ̶ ִ. ATM ֿ ǰ ٸ Ʋý۰ Ǫ ȭ Ͽ, ϰ BRM ȭ ȵ ǰ Ϻ ȷ, Ÿġ ִ. ̴ ATM 40% ̻ ϰ ־, ںθ ߽ ȭ Ʈ 5° ̴.
ڵȭ ũ ATM/CD ƿҽ̰ CD VAN ִ. Һڰ ̿ϴ ATM/CD ũ VAN ִ. ġ α, ܱ з ִµ, ۳ θ Ͽ 5 3õ 밡 ġǾ ִ ǰ, ܱ 3 7õ 밡 ġǾ ִ ȴ. κ ̰, ܱ 2밡 , 7õ밡 VAN ȴ. ATM/CD ƿҽ ó, ڱ, ݼ , Ȱ ϰ 뿪Ḧ ̴. κ ATM/CD Ѿ, , ġ, , , , ϰ ϴ Ż ƿҽ · ư δ. CD VAN(Value Added Network) VANڰ ö, , ̳ α Ͽ, ⸦ ġ, ϸ ڷκ Ǵ Ḧ ϴ ̴.
(1) ǰü
ڵȭ ֿ ǰδ ATM ٽɸ ȯ , , ǥ , ǥó ִ. ȯ Ű, Ÿġ, ȷ, Ϻ 4ȸ縸 ִ. ȯ ATM 40% ̻ ϰ ִµ, ںθ ߽ 5° ȭ Ʈ ̴. Ǫü Ʋý ü ߿ Ͽ Ʈü ǰϰ ִ.
1) Ǫ
Ǫ ڵȭ о ȸ縦 ٸ 1997 Ǿ. ֿ ǰδ ũ ڵȭ ڵȭ , Ưܸ 3 о ϰ ִµ, ڵȭ δ ǥݸ, ó, μ, ϰ ְ, ڵȭ δ ö Ƽ ߸ű ٽɸ νı Ʈ Ͽ ZSDS ǰϰ ִ. Ư ܸ δ ǹ߸ű ߸ű OMR ǵ Ͽ ѱǻͿ ϰ ִ.
2) Ʋý
Ʋý Ưij ̹óġ ǥ ó ι(IPS) νĺι ǥݸ, ǥó, ȭϿ Ʈü ǰϴ ڵȭ ι ϰ ִ. IPS ι ǥó , , üܿ ϰ ְ, ڵȭ κ ַ ûȣijݰ ̱ Ʈؽ ũ翡 ϰ ִ.
(2) Ʈü
ATM ûȣijݰ ƿȿ, LGý, FKM 4簡 ϰ ְ, CD 4 ܿ ѱǻͰ 迭 ѳƮ ǰ ϰ ִ. 2006 ATM ι ֱ 4 ûȣij 29.9% 1, ƿȿ 28.6% 2, LGý 22.8% 3, FKM 18.8% 4 ϰ ִ.
Ʈü ܼ ְ, ٽ ٷ ȯ (BRM, Bill Recycling Machine) ε Ϻü Ű, Ƽġ, ȷ, Ⱑ ִ. ATM ٽɺǰ BRM ڶϴ ǰ 40%̻ ϰ ִµ, 2õ ATM õ CD ̸ܰ ߱ϴ ֵ ̴.
Ʈü ū Ѱ üֱ ũٴ ε 2003 ATM/CD űԼ䰡 üǾ, űǹ ⱳü Ư ƿȿ ʵη ü Ʈü 3Ⱓ ־ ñ⸦ ´. 2007 űǹ Ǿ ü䰡 Ѳ 鼭 ִ Ͽ, ż嵿 Ȯ Ʈü ؿ Ȱ ɰ ִ.
1) ûȣij
ûȣij ڵȭ ATM CD, CDP ǸŸ ַ» ϴ ü 1977 Ǿ 31 ̸. ַ» ̿ܿ Ϻ κ к⸦ , Ǹϴ ϰ , 2004 CD VAN Ͽ, ֱ ƿҽ ι ݹ Ͽ. ý IPSι ϰ ִ.
10 ̸ 캸 ڵȭ Ȳ Ѵ Ȯ ִ. 1999 2002 ڵȭ 忡 ߸ CAGR 34.8% ؿԴ. 2002 ִȣȲ ű ü䰡 LGý, ƿȿ, FKM ġ , 3Ⱓ ־ ظ 2003 56 ڸ ϱ ̸. ATM ̸ 캸 1999 2,930, 2000 2,982, 2001 2,870, 2002 2,500 ƿ 2003 ƿȿ ʵη 鰣 κ ְ ۵Ǹ鼭 ATM 1,600 ϶Ͽ. 2003 Ͼ ڸ ϱ Ͽ. 3Ⱓ ǽ ü 2005 ϱ Ͽ 2õ ̻ Ͽ, 2006 5õ ű , 2007 õ , ű üֱ ¹鼭 2007 2,490, 381, 204̶ â̷ ִ Ͽ. Ŀ ü Ȯ, , , Ǿ ִ ױ Ͼ Ʈü Ư ϱ , ȭ ߰ ǹ ӵ ̴. ̰ ü ̸, 簡 õϴ ͵ ƶ̴.
2) ƿȿ
ƿȿ 2002 7, ڵȭ ߰ ǸŸ ؿ ȿǻͿ ý(System Integration), ý۰(System Management) Ʈ, Ʈũ ֿ ؿ ȿŸý Ͽ. ȸ ȿ Ư 96.4% ϰ, ATM/CD CD VAN ϰ ATM ƿҽ 忡 3 Ͽ ̴.
3) LGý
LGý 2001 12 Ǿ, 2002 1 LGڷκ DSS(Digital System & Solution) θ Ͽ, ǻͼ Ʈũ Ǹ ڵȭ , Ǹ, ϰ ִ. ȸ LG 100% ְ, 2007 6 պ ǥϿµ, ýۻι, ι, ι, ι( USN), ַǻ, ι, ߺι( USN), 濵ι, HR/ȫ Ͽ. ȸ LG Ʈũο ϵ/Ʈ κ ȸ翡 պŰ Ͽ. ٸ LG 100% ȸ翡 LG ӹ 100% ȸ Եǰ ȴ.
4) FKM
FKM(Fujitsu Frontech Korea Mechatech) Ϻ Fujitsu Fujitsu Frontech 100% ѱ 1998 7 Ǿ. ڵȭ Ǹ, ֵȿ ϰ ִ. ȸ Fujitsu Frontech ȯ ־ ٽɸ Ϻ ȸκ ް ִ.
5) ѱǻ
ѱǻʹ 2002 ѱǻְ ϸ鼭 κ ҵǾ Ǿ. մܸ, , ī߱ޱ, ATM/CD, ΰݼ ܸý۰ ǹ߸ű, ǥ߸ű Ưܸý ϰ ִ. ߿뿪 ϰ ִ. 2007 3б 캸 ܸý κ 77% Ͽ, ߿ Ͱ 20.5%, մܸⰡ 17.8%, ܸⰡ 14.6% Ͽ. Ưܸκ 4.2% Ͽ, ߿뿪 뿪 24.4% Ͽ.
ܸ ܸǻͷ 35.1% 1 ϰ ְ LGý 23.5% 2 ϰ ִ. 55% 1 ϰ ְ, ǹ߸ű ǥ߸ű ϰ ִ.
迭 ѳƮ CD⸦ ϰ ִµ GP 22% ް ִ. ΰ ⸦ , ϰ ִµ GP 10% ް ִ. ΰ 2002~4 ȸ ǰ̶ غ ü䰡 ȴ. âȳý۰ ڷATM⸦ ϰ ִµ âȳý 400 ǰϿµ, ù ϰ ְ LGý ɼ ٰ Ѵ.
Ϲ ܸ ý ٷ ǰ̴ ϰ, ü ־ ŷó ٲٱⰡ ƴ. ŷ ־ ű ڰ ϱ Ѱ谡 ִ. ܸ ߾üμ, ֿ ŷó ܿ 츮 ŷó ٺȭ ִ ̴. ȯ ڵȭ þ ֱ űԼӸ ƴ϶ 뿪 ִ.
Ưܸ ѱȸ 1999 ǹ߸ű ȭ Ʈ Ͽ 2000 ϷϿ 2001 ι߸ű ǰ Ͽ. 2002 ι߸ű ȯޱ ߿ Ͽ ѱȸ ϱ Ͽ. 2003 TOTO ǥ߸ű ȭ Ͽ ǰ Ͽ, 2005 Ϻ J-TOTO ܸ ü Ǿ 120 Ͽ.
ܼ ǰ , Ǹϴ ġ ʰ, ǰ 뿡 ־ 뿪 ϰ ִ. ̷ 뿪 ܸ Կ ϴ Ư ִ. ̸ 2004 17.89%, 2005 20.72%, 2006 14.46%, 2007 3б 24.4% 2006 ϰ ų ϰ ִ. 2006 Ͻ ǹ߸ű 65, J-TOTO 25, Ư ī߱ޱ 80 ܸ Ǹźκп ʰ 170 ߱ ̴. Ŀ 뿪 ܸ üֱ ȭų Ǿ ̴.
(3) ü
ڵȭ ũ ATM/CD ƿҽ̰ CD VAN ִ. ATM/CD ƿҽ ó, ڱ, ݼ , Ȱ ϰ 뿪Ḧ ̰, CD VAN VANڰ ö, , ̳ α Ͽ, ⸦ ġ, ϸ ڷκ Ǵ Ḧ ϴ ̴.
ATM 鿡 , ATM ϱ ؼ ATM⸦ ִ Ը ڱ ִ ڱݰ ɷ, Ʈũ, ö Ƚý, ŷڰ 䱸Ǵµ ̷ ڷ ۿѴ. ѽ ȸ ѱڱ 1997 ٰ 1 ؿ MS 70% ϰ ִ. ѱڱ ŷ ϰ ְ 4,600 Ʈ ϰ ־, Ʈ ϰ ־ ٸ ü 忡 ħϱⰡ Ȳ̴. MS 2 ü 20% ̸ ؿ ȼ ַ̰, ϴ λ, 뱸 5 Ұ . Ʈ 1,400 Ұ £ Ҹϴ. ƿҽ ðִ Ǿ, Ʈü ƿȿ ûȣij õϰ ִ.
CD VAN ġϰ ǰ ִ. CD VAN ߿ κ ε, Ȱ ġ ϴ° Ǽ ̴. ѳƮ first-mover ͼ Ȯϰ ־ ٸ ü ͼ .
ü ̸ 2005 11,346뿡, 2006 14,523, 2007 1Q 14,862븦 Ͽ, 15,600븦 Ѿ ȴ. 5ü ø ִ. ̷ ӵǰ ̹ α ͼ Ҵ CDⰡ ġǾ ־, űԼġҴ α ͼ ۿ . ͷ ۿ Ǿ.
Ǽ ̸ 2005 ѳƮ ͼ ִ 42 ϰ ְ Ĺ ûȣij ݼ 22 ϰ ִ. 2006~7 ӵǸ鼭, 4ü Ǽ ްϴ ִ. ̷ο First-mover ѳƮ ƿȿ, ѱڱ, ûȣijݿ ̾ 4, MS 2007 3Q 19% ѱڱ 28%, ƿȿ 27% ̾ 3 ϰ ִٴ ̴. 纸 600 CD⸦ ϰ ִ ûȣij MS 12% Ұϴ. ̴ Ǽ ڿ ̾ ̴.
* ü Ǽ , ѳƮ, ѱڱ
1) ѱڱ
ѱſ κ 1993 CD VAN ؿԴ. 1997 ATM/CD Ŀ κп ó Ͽ, 2000 ѱſκ ҵǾ ATM/CD ƿҽ 70% 1 ϰ , 4,600 Ʈ, 6,400 CD/ATM⸦ ϰ ִ. ι ũ CD/ATM ι, CD VAN ι, ݹι, ȭý ι, Ÿι ִ. ι 캸 2007 3б⸦ ATM κ 55.9%, CD VAN ι 40.1%, ݹι 1.3%, ȭý ι 2.4%, Ÿ 0.3% Ͽ.
űԻ ݹ ߴµ, ݹ 簡 ٳⰣ ؿ ڱݰ Ͽ Ʈũ 뷮 ϴ ü, Ʈ, ö ڱ, 꼾 ƿҽ ݰ ִ Ѵ. ۳ ʷ żÿ ̾ ƿ﷿ ڵ üϿ. 긵ڸƿ ߷ڸ ȸ簡 ϰ ִµ 簡 ũ Ͽ. ݹ 簡 ״ Ȱ ְ Ʈũ ó ־ Ʈ ִ.
2) ѳƮ
2007 1 μȸα ι ѱPCB Ͽ 100% ȸ Խ״. ַ» CD VAN DVR Ÿ ι ϰ ִ. 2007 VAN 230 Ͽ 85.19% Ͽ, DVR ι 40 Ͽ 14.81% Ͽ. VAN break-downغ, ݼ κ 24 ü 8.89% Ͽ, κ 186 68.89% Ͽ, Ÿ 20 7.41% Ͽ.
2007 2,093븦 ġϿ ƿȿ, ѱڱ, ûȣijݿ ̾ 4 ϰ ִ. 2006 ü װ ü , ƿȿ, ѱڱ, ûȣijݿ ̾ 1,594 4 ϰ ְ, ƿȿ ѱڱ ݵ Ǵ ڸ 2,200 ⸦ ϴ ûȣij 2 ø ִ. ̴ پ Ǽ ̴. ѱڱ 1,150, ƿȿ 1,010, ûȣij 650ε , 1,520 ûȣij 2.34 ø ִ. ƴ , ѱڱ, ƿȿ ̾ 19% 3 ϰ ִ. ̷ ʱ 弱 ͼ CD VAN ū ̰, ü ͷ ̴.
(4) ijиƮ
1) ƿҽ Ȯ
ū ̵ ijиƮ ٷ ƿҽ Ȯ̴. °ȭ ű ø ݸ, ڵȭ ġ Ȯϰ ִ. ø ΰǺ ִ ٷ ڵȭ ̴. 5 ٹ Ȯ ڵȭ ð Ȯ ȭŰ ̴.
ƿҽ κ ܱ⸦ ߽ Ͼ ִ. ܱ 2 ̻ Ǵµ 45% 9õ 밡 ƿҽ ߿ ִ. 55% þ ܱ⸦ ƿҽ ȴ. , Ʈüʹ ü ڵȭ ƿҽ 强 ϴٴ ǹ̴. ٳ ݾ ִ ƿҽ Ѵٸ ݱʹ ٸ ο ȭ ϴٴ ̴. ڵȭ ġ 70% ϴ ̱ ̴.
Ŀ ATM ƿҽ Ѿ, , ġ, , , , ϰ ϴ Ż ƿҽ · ư ȴ. Ϲ ƿҽ̰ Ż ƿҽ ū ̴ ٷ Կ̴. Ϲ ƿҽ Ʈü ڵȭ⸦ ü ƿҽ ñ , Ż ƿҽ VAN ü ⸦ Ͽ ġϿְ, , , ȱ ϰ 밡 ļ ûϴ ̴. ̷ Ż ƿҽ Ʈü ħϴµ ȸ , ü 쿡 Ḧ Ͽ Ȯ .
2) űDZü
űDZü ijиƮ 2006 2007 Ǿ. 2004 üֱⰡ ־, űǹ Ǿ ⱳü ڸ ̿ Դ. 2006 5õ ű Ǿ 2007 õ ǰ ű Ͽ ⱳü ̷, ̰ 2007 ߵǸ鼭 ûȣij Ʈü 2007 ִ Ͽ. , 2007 üֱ űǹ ¾ƶ鼭 ȣȲ ̷ ̴. ű ű Ų ȯ ġ ü üֱⰡ ¾ƶ鼭 ü ü 뷮 ̷.
3) ױǹ
2009 ױ 5 ǰ 10 ε, ̷ ױ ۳ űǹ Ư Ͼ ΰ 밡 . 2007 뷮 Ͼ ⱳü 2009 üٴ ǰü ɼ ٰ . ŻӴ 5 ǰ 豸 10 ѱ ȯ ü ̵ ִٰ Ѵ. ױ̴ ٴ ̵ ɼ ٰ .
ü üֱ ּȭ ġ, ȯ ü ̷ µ ٸ, ȯ ϴ ǰü ٽ ѹ Ư Ϻü ƽ . ü ױ ν ǥ ƿҽ ӵ ִٴ ִ. ü ΰǺ ݼۺ ſ ū, ױ ̷ ϴ. ֱⰡ ̴.
4) ̳̼(Denomination)
ֱ ױ Ͽ ̳̼ǿ ǰ Ͼ ִ. ̶̳̼ Ȯ ǥδ ̶̳̼ ؾ ϴµ, ̴ ȭ ̶ ִ. ȭ ġ ߰ų, ̿ Բ ο ȭ ȭ ȣĪ Ű ġ ǹѴ. ̴ ȭ ġ ȣĪ Ű ȿ Ÿ. ⺻ ÷̼ ǹ ȭ ǥϴ ڰ ʷǴ , ȸ Ǵ ؼ ǽõȴ. Ϻ 쿡 ڱȭ ε ̳̼ ǽϱ ϰ, ߳ Ϻ ް ÷̼ ε ÷̼ ɸ ǽõDZ Ͽ.
桯 ϴ ȭ ؼҿ ÷̼ǿ ɸ ʿ伺 ǰ , ̳̼ 쿡 ȭ ϱ , ڵȭ ּ ⱳü ݵ ۿ . ñⰡ üֱ ¹ٸ ۳ ȣȲ ٽ ɼ .
5)
ATM/CD ó κ ̾. 2009 ʿ ǻ Ҿװ , ް ǵǰ ִ , ATM/CD 䰡 Ͼ ȴ. Ư ǻ CMA° ǻ ATM/CD ̹ ̾ ִ.
2006 7õ Ǵµ ATM/CD ġ 73õ ȴ. ǻ 1,500 ATM/CD ġ 300 뿡 Ұϴ. 1,700 ִµ ATM/CD ġ ̴. Ը ־ ġ ̾ ʰ, ϴ űԸ Ŀ ü ̾ ȴ.
6) ؿܼ
Ʈü ȭ غ, ͼ ؼ ؿܼ ؿԴ. ƿȿ ̱ ߱, ȣ 1998 ؿ ̱忡 ATM 40% MS 1 ϰ ִ. LGý ߱ ߽ Ȯ븦 ϰ ְ ûȣij , ̱, ߱, ε 13 CD/ATM⸦ ϰ 5% Ѿ. ֱ ̶ KMS 2010 CD/ATM ް üϿµ, 켱 ݱ 1 CD 1,000븦 ̴. KMS Ͽ Ϻ ǽ ȹ ߵ ܳ . KMS 3,500 ̶ ִ δƮ ȸ ڵȭ ϰ ִ. ̷ Ʈü ؿܽ ô ϰ ־ ü 1,500 ̻ ȴ. ϰ Ʈ̼ ܰ, ٵ Ŭ δ ż嵿 ɼ и Ѵ.
(5) ũ
1) 豸 ũ
ڵȭ ü ȸ ߰ , κ ʰ 迭 ü ϴ 豸 ִ. 2007 ִ ȣȲ ϼ 豸 ȸ 迭 ǽɵǴ Ǿ, ̷ 豸 ũ ȭǾٰ . ̷ Ϻ ȸ ŷ ͷ Կ ұϰ ū ְ϶ ̾. ϴ ֿ 豸 캸 ü ȸ ü ʰ Ȯϰ ִ.
, ѱǻֿ ûȣ̽, ѽ ȸ ϸ ȸ θ ʿԷ Ű ϰ ִ. Կ ־ ҿ Ҿֵ鿡 ǰ ִٴ ̴. Ư ѳƮ 迭 ι μ ѱǻ 迭 ε μ 迭縦 ̿ ȸ ְ, ûȣij CB 迭 ұԸֽıȯ Ҿֿ ϴ ִ. ڵȭü ٺ ٷ ̷ 豸 ũ ̴. ѱڱ ̷ Ÿ ʾҴµ ְ ߰ߴ ߿ ϳٴ ̴.
2) ũ
ǰü Ʈü üֱ Ÿ ۿ . ۳ ִȣȲ ȴ Ʈü ش ȿ δ. ̷ Ʈü Ƽ ޱⰡ ̴. Ʈü ؿܼ غϷ ϰ ִ. ̹ ûȣijݰ ƿȿ ƿҽ CD VAN Ͽ, Ż ƿҽ̽ ũϰ ִ.
3) 强 ũ
Ʈü Ӹ ƴ϶ δ㰨 ִ ̴. ؿܼ غϷ 鵵 , 嵿 ̱ ϴ. CD VAN 쿡 ̹ α , ͼ ־ Ŀ ⼺ Ͼ ͼ δ. ƿҽ 常 κ ȯǰ, 鼭 强 鿡 ̴. ż嵿¿ ᱹ ںȿ ϱ ̾, .
ͳ >ɼ> ǿ 'URL UTF-8 ' üũϽð ٽ ø ϰ̴ϴ. ̹ ѱϷ ε ɶ Ͼ Դϴ.