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[ؿĮ] 峪쿡 ұ, ްֽ

| [: Ʒ Ư ũ(valuewalk.com) 2022 2 7 Դϴ. ֽĿ ǰ Դϴ.]
* ó: Ƽ ƺ̵(Stephen McBride), <𽺷 κ(Disruption Investor)> , ũ(RiskHedge) ֳθƮ, BUY THIS TOP PAYMENT DISRUPTOR," 2022 2 7, https://www.valuewalk.com/buy-this-top-payment-disruptor/
ްֽĵ 2022 ְ ̵ ϳ Ұ ִ. ̶ İ(buy-now-pay-later: BNPL) ްֽĵ鿡 Ģ ȴٰ ߴ.

׷ BNPL ˰ ִ 鵵 ްֽĿ ϰ ִ ٸ ϳ ִ. ̹ ۿ 캸, ׵ ϰ ִ ްֽ ȴٴ Ѵ.


(̹ ó: 峪 Ȩ, The FedNowSM Service Readiness Guide PDF ĸó)

ϴ ǽð ý, 峪(FedNow)

BNPL ܿ, ްֽĿ ֱ ٸ ٷ 峪(FedNow).

峪 ̱ غȸ ϰ ִ ο ް ý, 2023⿡ ȴ. 峪츦 ̱ΰ ̱ ڱ üϰų ִ. ׷ ̷ 峪 ˷ ʾҰ, κ 𸣴 ̴. 峪 ý̱ ̴.

쵵 о߿ 縦 ϰ ڵ ȭ Ŀ ϰ Ǿ. ̵ ڵ ũ ߼ ڱ ι ſ ð ϴ ̴. 峪쿡 Ѷ Ƽ ۷ι Һ ι ̲ ̾. Ʒ , 峪찡 ްֽĿ ȴٰ ʴ´. ׷ ұϰ 峪쿡 ƴ ͵ ̴.

峪 ֿ ̱ , Ư ұԸ 鿡 ǽð ϴ ̴. ũƸ޸ī(Bank of America) Ϻ ̹ ǽð ϰ ֱ ̴. 峪 ࿡ ڱ óϴ ̱ ù ̴. ׳ ׳ ԰ ڱ ϰ ٸ ̴.

׷ κ ̱ ACH ý ڱ óϰ ִ. ACH ý ڱ óϴ ⺻ 1~3 ɸ. ʹ ̴. ̿ ǽð ﰢ ڱ óѴ. , ̿ڵ Ḹ ø̼ǿ ִ ڽ ڽ · ٷ ִ. ̱ 鿡 ǽð ̷ ̴ ϰ ̴.


峪, ްֽĿ Ƴ

׷ 峪 ʹ ڴ ̸, ݺ ռ Ǿ ġ̴.

峪 ​̿

峪찡 ްֽĿ ƴ ϸ, 峪
̿ڰ ̶ ̴.

Ϲ ̱ ο ý û ? 츮 ڵ ǻͿ 츮 ī ־, ʿ ϰ ִ. (Venmo) ijþ(Cash App) ε鿡 ﰢ ִ. ݵ ִ.

׷  ο 񽺵 ʴ ο ý ȯұ? غȸ ڽŵ ̷ ϰ ִ. غȸ ľ Һڰ ׷ ο ý ̿ 糭 ޡ ̴.

峪 ʴ ذå̴.

2014 ǽð ̿ڵ ϱ ̸ ϴ°? ̸Ʈ(pymnts.com: PYMNTS) ڷῡ , ̸ ûߴ ݱ ̸ 6% Ұϴ. ׷ ʿ䰡 ٸ(ȯ и ̵ ٸ) ο ų Ϸ ʴ´.

峪 鿡Ե ŷ ʴ

ī ڴ 200 ̻ 25000 ϰ , 1 ̻ ü ä, ǰ ִ. ̵ öƽ ī ⺻ Ǵ ȭ ִ.

׷ ̷ ý ? ī ý ý ʴ . ̹ ǽð ڿ ī带 ŷϰ ִ.

峪 ý ſ ̹ ߴ

峪 ̵ Ұϴ. Ƽ, İ, ũƸ޸ī, JP Ŭ Ͽ콺(The Clearing House) 2017 ǽð Ʈũ ״. ̵ ýۿ 20 ޷ , ᱹ ϰ Ҵ.

24 Ʈ ҽÿ̼(Monnet Project Association)̶ Ʈũ ߴ. ׷ ó ۿ Ʈ ˻ ,  Ȳ ãƺ . Ʈ 2011 õDZ⵵ ϰ Ҵ.

2008 н ̸Ʈ(Faster Payments) , ϴµ ָ ԰ ִ. ׸ н ̸Ʈ 10 , ױ۷(Bank of England) н ̸Ʈ ٸ ѱٰ ǥߴ. ǽð ý õ ߴ.


ǽð ްֽĵ,

׷ٰ ǽð ƴϴ. ǽð ̸ ̷̴.

̱ε ̹ ǽð ϰ ִ. ̿ϴ ī (Mastercard Send), ̷Ʈ(Visa Direct), , ijþ ̴. ׸ ̷ ý ִ.

ǽð ֵڰ ϴ°? 10 ʰ 񽺸 ΰ °? ƴϸ ݱ ǽð ް žü °? μ ڿ ϰڴ.

ް žü հ ̿ڸ ϰ ִ. ̵ ϻ Ȱ ϻ ⿡ ִ. տ ó ̹ ȿ ۵ϰ ִ ̷ ý .

׷ 峪쿡 ̴. 1Ⱓ 峪쿡 ξ ̾߱⸦ ̴. ׷ к ֽϴ , ްֽĵ ֽ ̴. , ֱ ŵ ְ ϶ ұϰ, ްֽĵ Ǹ ִ.

ī 츦 .

ī ְ б ǥߴ. 2021 10~12 б 51 ޷ 28% ߴµ, б 50 ޷ Ѿ ȸ ̾. ׸ ι ׵ ְ 21 ޷ ߴ.

ī ſī ̿ڴ 30 ϸ, ̴ ݿ а ȯ ǰ ش. ī ְ ϳ̸, ݵ ߿ ִ. ׸ —峪 — ī带 ̴. ̷ ī带 <𽺷 κ(Disruption Investor)> ̾ Ʈ ż ִ.
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