{"id":30639,"date":"2025-01-31T11:00:27","date_gmt":"2025-01-31T02:00:27","guid":{"rendered":"https:\/\/smallake.kr\/?p=30639"},"modified":"2025-01-31T11:01:14","modified_gmt":"2025-01-31T02:01:14","slug":"%ea%b8%80%eb%a1%9c%eb%b2%8c-%ec%9d%80%ed%96%89-%ed%8a%b8%eb%a0%8c%eb%93%9c%ec%99%80-cbdc-%ec%83%81%ec%83%81","status":"publish","type":"post","link":"https:\/\/smallake.kr\/?p=30639","title":{"rendered":"\uae00\ub85c\ubc8c \uc740\ud589 \ud2b8\ub80c\ub4dc\uc640 CBDC \uc0c1\uc0c1"},"content":{"rendered":"<p>1.<br \/>\n \uad6d\uc81c\uae08\uc735\uc13c\ud130\uac00 \ud574\uc678 \uc790\ub8cc\ub97c \uc815\ub9ac\ud574\uc11c \uc18c\uac1c\ud55c <a href=\"https:\/\/www.kcif.or.kr\/finance\/financeView?rpt_no=35342\" target=\"_blank\" rel=\"noopener\">2025\ub144 \uae00\ub85c\ubc8c \uc740\ud589\uad8c\uc774 \uc8fc\ubaa9\ud574\uc57c \ud560 \ud2b8\ub80c\ub4dc 12\uc120<\/a>.<\/p>\n<blockquote><p>2025 \ubc45\ud0b9 \ud2b8\ub80c\ub4dc] Forbes\u7d19 \ub4f1\uc740 2025\ub144 \uae00\ub85c\ubc8c \uc740\ud589\uc0b0\uc5c5\uc774 \ub2f9\uba74\ud55c \ub3c4\uc804\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc8fc\ubaa9\ud574\uc57c \ud560 12\uac00\uc9c0 \uc8fc\uc694 \ud2b8\ub80c\ub4dc\ub97c \uc18c\uac1c<br \/>\n\u2460 \ub514\uc9c0\ud138 \ubc1c\uc804\uc73c\ub85c \u2018\ubc45\ud0b9 \uc811\uadfc\uc131\u2019 \uac15\ud654(Technology enables banking for all)<br \/>\n\u2461 \uc740\ud589 \uaddc\uc81c \uac15\ud654\uc758 \ud48d\uc120\ud6a8\uacfc(Regulators quest to eliminate risk is creating new risk)<br \/>\n\u2462 \ube44\uc988\ub2c8\uc2a4 \ucd94\uc9c4 \uc2dc \u2018\uaddc\ubaa8\uc758 \uacbd\uc81c\u2019 \uc911\uc694\uc131 \ubd80\uac01(Scale matters more than ever)<br \/>\n\u2463 \u2018\uc5d0\uc774\uc804\ud2f1Agentic AI\u2019 \uc2dc\ub300 \ub3c4\ub798(Customer experiences go back to the future)<br \/>\n\u2464 \u2018\uace0\uac1d \uc911\uc2ec\u2019 \uc0c1\ud488 \uc804\ub7b5\uc73c\ub85c \ub300\uc804\ud658(Product strategy: From siloed to inseparably connected)<br \/>\n\u2465 \uc77c\uc790\ub9ac \ubc0f \uadfc\ubb34 \ubc29\uc2dd\uc758 \ubcc0\ud654(A different way of working)<br \/>\n\u2466 \uc5c5\ubb34 \ubcc0\ud654\ub97c \u2018\uac00\uce58 \ucc3d\ucd9c \uae30\ud68c\u2019\ub85c \ud65c\uc6a9(A shift from \u2018waste out\u2019 to \u2018value in\u2019)<br \/>\n\u2467 \u2018\uc624\ud508\uc18c\uc2a4\u2019\uac00 \ubbf8\ub798 \uc740\ud589 \uc6b4\uc601\uccb4\uacc4\uc758 \uc911\uc2ec(The future is open source)<br \/>\n\u2468 \ud504\ub85c\uadf8\ub7a8 \ucf54\ub529 \uc2dc \u2018\uc0c1\ud488 \uc815\uc758\u2019\uac00 \uc911\uc694(Traditional coding fades into the past)<br \/>\n\u2469 \ud50c\ub7ab\ud3fc \uae30\uc5c5\uc758 \u2018\ud601\uc2e0\uac00 \ub51c\ub808\ub9c8\u2019(Platform providers face the innovator\u2019s dilemma)<br \/>\n\u246a \u2018\ubcf4\uc774\uc9c0 \uc54a\ub294 \uc740\ud589\u2019\uc758 \ubd80\uc0c1(The rise of the invisible bank)<br \/>\n\u246b Save Now, Pay\/Buy Later(SNPL or SNBL) \uc608\uae08 \ud601\uc2e0<\/p><\/blockquote>\n<p>\uc790\uc138\ud55c \ub0b4\uc6a9\uc740 \ucca8\ubd80\ud55c \ubb38\uc11c\ub97c \ubcf4\uc2dc\uace0 \uc624\ud508\uc18c\uc2a4\uc640 \ub9ac\ub205\uc2a4\ub97c \uc124\uba85\ud55c \ubd80\ubd84\ub9cc \uc18c\uac1c\ud558\uba74 \uc544\ub798\uc640 \uac19\uc2b5\ub2c8\ub2e4.<\/p>\n<blockquote><p>\u2467\u2018\uc624\ud508\uc18c\uc2a4\u2019\uac00 \ubbf8\ub798 \uc740\ud589 \uc6b4\uc601\uccb4\uacc4\uc758 \uc911\uc2ec(The future is open source)<\/p>\n<p>\uf099 1970\ub144\ub300 \ub300\ubd80\ubd84\uc758 \uc740\ud589\ub4e4\uc740 IBM\uc758 OS\/360\uc774\ub77c\ub294 \ub2e8\uc77c \uc6b4\uc601\uccb4\uc81c(OS)\ub97c \uc0ac\uc6a9\ud588\uc73c\ub098 \uc778\ud130\ub137 \ubcf4\uae09\uc5d0 \ud798\uc785\uc5b4 1990\ub144\ub300 \ucd08 \ub300\ud45c\uc801\uc778 \uc624\ud508\uc18c\uc2a4 \uc6b4\uc601\uccb4\uc81c\uc778 Linux\uac00 \uc18c\uac1c\ub418\uba74\uc11c \uad00\uc2ec\uc774 \uc810\uc99d<br \/>\n\u2013 Linux\ub294 GNU General Public License\ub85c \ubb34\ub8cc \ubc30\ud3ec. \uc18c\uc2a4 \ucf54\ub4dc \uc218\uc815 \ubc0f \ubc30\ud3ec\uac00 \uac00\ub2a5\ud55c \uc624\ud508\uc18c\uc2a4 \ucee4\ubba4\ub2c8\ud2f0\uc758 \uc790\ubc1c\uc801 \ucc38\uc5ec\ub85c \ube60\ub974\uac8c \ubc1c\uc804. \ub610\ud55c \uc548\uc815\uc131\uacfc \ubcf4\uc548\uc131\uc774 \ub192\uc544 \uc11c\ubc84 \ubc0f \uc784\ubca0\ub514\ub4dc \uc2dc\uc2a4\ud15c\uc5d0 \ub110\ub9ac \uc0ac\uc6a9<\/p>\n<p>\uf099 \uc624\ub298\ub0a0 \ub300\ubd80\ubd84\uc758 \uc2e0\uaddc \ubc45\ud0b9 \ud50c\ub7ab\ud3fc\uc774 Linux \uc2dc\uc2a4\ud15c\uc5d0 \uae30\ubc18\ud558\uace0 \uc788\uc5b4 \uc2dc\uc7a5\uc810\uc720\uc728\uc774 \uafb8\uc900\ud788 \uc99d\uac00\ud558\uace0 \uc788\ub294 \ucd94\uc138. \uc774\uc5d0 \ub530\ub77c Linux\uac00 \uc740\ud589\uc0b0\uc5c5\uc758 \uc2e0\uaddc \uacf5\ud1b5\uae30\ubc18common foundation\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40<br \/>\n\u2013 Linux\ub294 \uac70\uc758 \ubaa8\ub4e0 \ud074\ub77c\uc6b0\ub4dc\ub3c4\uad6c \uc2dc\uc2a4\ud15c\uc758 \uac00\ub3d9\uc5d0 \uc788\uc5b4 \ud575\uc2ec \uc6b4\uc601\uccb4\uc81c\ub85c \ucc44\ud0dd<br \/>\n\u2013 \uc544\uc6b8\ub7ec \uc740\ud589\uad8c\uc740 \ud540\ud14c\ud06c \uc624\ud508\uc18c\uc2a4\uc7ac\ub2e8FINOS \ub4f1\uacfc\uc758 \ud30c\ud2b8\ub108\uc2ed \uad6c\ucd95\uc73c\ub85c \ubbf8\ub798 \ud45c\uc900 \uc218\ub9bd\uc744 \uc704\ud55c \ub0b4\ubd80 \ucf54\ub4dc\ub97c \uacf5\uc720<\/p><\/blockquote>\n<p>\uc704 \uae00\uc911\uc5d0\uc11c \uc6b0\ub9ac\uc640 \uc0dd\uc18c\ud55c \ud56d\ubaa9\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/www.finos.org\/\" rel=\"noopener\" target=\"_blank\">FINOS, Fintech Open Source Foundation<\/a><\/p>\n<p>\uc704 \uc7ac\ub2e8\uc5d0\uc11c \uc9c4\ud589\uc911\uc778 \ud504\ub85c\uc81d\ud2b8\uc785\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png?resize=1130%2C698\" alt=\"\" width=\"1130\" height=\"698\" class=\"aligncenter size-full wp-image-34855\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png?w=1196&amp;ssl=1 1196w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png?resize=300%2C185&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png?resize=200%2C124&amp;ssl=1 200w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/FINOS.png?resize=1170%2C723&amp;ssl=1 1170w\" sizes=\"auto, (max-width: 1130px) 100vw, 1130px\" \/><\/a><\/p>\n<iframe src=\"\/\/docs.google.com\/viewer?url=http%3A%2F%2Fsmallake.kr%2Fwp-content%2Fuploads%2F2025%2F01%2F250124-2025%EC%9D%80%ED%96%89%EA%B6%8C%ED%8A%B8%EB%A0%8C%EB%93%9C12%EC%84%A0.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"http:\/\/smallake.kr\/wp-content\/uploads\/2025\/01\/250124-2025\uc740\ud589\uad8c\ud2b8\ub80c\ub4dc12\uc120.pdf\" class=\"gde-link\">Download (PDF, 1.67MB)<\/a><\/p>\n<p>2.<br \/>\nCBDC\uac00 \uc740\ud589\uc0b0\uc5c5\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \uc815\ub9ac\ud55c <a href=\"https:\/\/kdi.re.kr\/research\/reportView?pub_no=18549\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc758 \ud601\uc2e0\uacfc \uacbd\uc7c1\ucd09\uc9c4\uc744 \uc704\ud55c \uc911\uc7a5\uae30 \uc804\ub7b5 \uc5f0\uad6c: CBDC \uae30\ubc18 \uc740\ud589\uc0b0\uc5c5 \uad6c\uc870\uac1c\ud3b8\uc758 \ud6a8\uacfc\uc640 \ud55c\uacc4\uc5d0 \ub300\ud55c \uc774\ub860\uc801 \uac80\ud1a0<\/a>\uc785\ub2c8\ub2e4. \uc758\uc678\ub85c \ud55c\uad6d\uac1c\ubc1c\uc6d0 \ubcf4\uace0\uc11c\uc785\ub2c8\ub2e4. \uc608\uc0c1\uacfc \ub2e4\ub978 \uc740\ud589\uc0b0\uc5c5 \uad6c\uc870 \uc7ac\ud3b8\uc774 \ubcf4\uc785\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC1.png\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC1.png?resize=1049%2C445\" alt=\"\" width=\"1049\" height=\"445\" class=\"aligncenter size-full wp-image-34856\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC1.png?w=1049&amp;ssl=1 1049w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC1.png?resize=300%2C127&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC1.png?resize=200%2C85&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1049px) 100vw, 1049px\" \/><\/a><\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC2.png\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC2.png?resize=1071%2C481\" alt=\"\" width=\"1071\" height=\"481\" class=\"aligncenter size-full wp-image-34857\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC2.png?w=1071&amp;ssl=1 1071w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC2.png?resize=300%2C135&amp;ssl=1 300w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC2.png?resize=200%2C90&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1071px) 100vw, 1071px\" \/><\/a><\/p>\n<p>CBDC\ub97c \ub2e4\ub8ec \ub610\ub2e4\ub978 \ubcf4\uace0\uc11c\uc778  <a href=\"https:\/\/eiec.kdi.re.kr\/policy\/domesticView.do?ac=0000191723\" target=\"_blank\" rel=\"noopener\">CBDC\uc640 \uc2e0\uc18d\uc790\uae08\uc774\uccb4\uc2dc\uc2a4\ud15c\uc758 \uacbd\uc7c1\uacfc \ud611\ub825<\/a>\uc785\ub2c8\ub2e4. CBDC\uc640 FPS\uc758 \ucc28\uc774\ub97c \ube44\uad50\ud55c \ubcf4\uace0\uc11c\uc785\ub2c8\ub2e4.FPS\ub294 \uae08\uc735\uacb0\uc81c\uc6d0\uc774 \uc81c\uacf5\ud558\ub294  \uc804\uc790\uae08\uc735\uacf5\ub3d9\ub9dd\uacfc \ube44\uc2b7\ud558\uc9c0 \uc54a\uc744\uae4c \ud569\ub2c8\ub2e4.<\/p>\n<p><a href=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC3.png\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC3.png?resize=948%2C1233\" alt=\"\" width=\"948\" height=\"1233\" class=\"aligncenter size-full wp-image-34858\" srcset=\"https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC3.png?w=948&amp;ssl=1 948w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC3.png?resize=231%2C300&amp;ssl=1 231w, https:\/\/i0.wp.com\/smallake.kr\/wp-content\/uploads\/2025\/01\/CBDC3.png?resize=154%2C200&amp;ssl=1 154w\" sizes=\"auto, (max-width: 948px) 100vw, 948px\" \/><\/a><\/p>\n<p><iframe src=\"\/\/docs.google.com\/viewer?url=http%3A%2F%2Fsmallake.kr%2Fwp-content%2Fuploads%2F2025%2F01%2F18549_2.pdf&hl=ko&embedded=true\" class=\"gde-frame\" style=\"width:100%; 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height:500px; border: none;\" scrolling=\"no\"><\/iframe>\n<p class=\"gde-text\"><a href=\"http:\/\/smallake.kr\/wp-content\/uploads\/2025\/01\/Weekly_KDIC_\uc740\ud589_\uc9c0\uc810_\uc218_\uac10\uc18c\uac00_\uc2e0\uc6a9_\uacf5\uae09_\ubc0f_\uc2e4\ubb3c_\uacbd\uc81c\uc5d0_\ubbf8\uce58\ub294_\uc601\ud5a5_\uc2a4\uc6e8\ub374_\uc0ac\ub840.pdf\" class=\"gde-link\">Download (PDF, 303KB)<\/a><\/p><a href=\"http:\/\/smallake.kr\/wp-content\/uploads\/2025\/01\/Branch1.png\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>1. \uad6d\uc81c\uae08\uc735\uc13c\ud130\uac00 \ud574\uc678 \uc790\ub8cc\ub97c \uc815\ub9ac\ud574\uc11c \uc18c\uac1c\ud55c 2025\ub144 \uae00\ub85c\ubc8c \uc740\ud589\uad8c\uc774 \uc8fc\ubaa9\ud574\uc57c \ud560 \ud2b8\ub80c\ub4dc 12\uc120. 2025 \ubc45\ud0b9 \ud2b8\ub80c\ub4dc] Forbes\u7d19 \ub4f1\uc740 2025\ub144 \uae00\ub85c\ubc8c \uc740\ud589\uc0b0\uc5c5\uc774 \ub2f9\uba74\ud55c \ub3c4\uc804\uc5d0 \ub300\uc751\ud558\uae30 \uc704\ud574 \uc8fc\ubaa9\ud574\uc57c \ud560 12\uac00\uc9c0 \uc8fc\uc694 \ud2b8\ub80c\ub4dc\ub97c \uc18c\uac1c \u2460 \ub514\uc9c0\ud138 \ubc1c\uc804\uc73c\ub85c \u2018\ubc45\ud0b9 \uc811\uadfc\uc131\u2019 \uac15\ud654(Technology enables banking for all) \u2461 \uc740\ud589 \uaddc\uc81c \uac15\ud654\uc758 \ud48d\uc120\ud6a8\uacfc(Regulators quest to eliminate risk is creating new risk) \u2462 \ube44\uc988\ub2c8\uc2a4 \ucd94\uc9c4 \uc2dc \u2018\uaddc\ubaa8\uc758 \uacbd\uc81c\u2019&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/smallake.kr\/?p=30639\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":34866,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"25\ub144 \uae00\ub85c\ubc8c \uc740\ud589 \ud2b8\ub80c\ub4dc\uc911 '\uc624\ud508\uc18c\uc2a4\uac00 \ubbf8\ub798 \uc740\ud589 \uc6b4\uc601\uccb4\uacc4\uc758 \uc911\uc2ec'\uac00 \uc788\uc2b5\ub2c8\ub2e4. FINOS\uc640 \uac19\uc740 \uc7ac\ub2e8\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[4,5],"tags":[3453,4169,4168],"class_list":["post-30639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category--it","category-5","tag-cbdc","tag-fps","tag-4168"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"smallake\"\/>\n\t<meta name=\"keywords\" content=\"cbdc,fps,\uc740\ud589\ud2b8\ub80c\ub4dc\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/smallake.kr\/?p=30639\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<meta 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