| [: 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. * 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/
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 ̴. ũƸī(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, ũƸī, 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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