{"id":30836,"date":"2025-06-20T05:21:27","date_gmt":"2025-06-19T20:21:27","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=30836"},"modified":"2025-06-30T07:59:26","modified_gmt":"2025-06-29T22:59:26","slug":"eu-%ec%82%ac%ea%b8%b0-%eb%b0%a9%ec%a7%80-%ec%9c%84%ed%95%b4-%ea%b2%b0%ec%a0%9c-%ec%84%9c%eb%b9%84%ec%8a%a4-%ea%b7%9c%ec%a0%9c-%ea%b0%9c%ed%8e%b8%ec%86%a1%ea%b8%88-%ec%8b%9c-%ec%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=30836","title":{"rendered":"EU, \uc0ac\uae30 \ubc29\uc9c0 \uc704\ud574 \uacb0\uc81c \uc11c\ube44\uc2a4 \uaddc\uc81c \uac1c\ud3b8\u2026\uc1a1\uae08 \uc2dc \uc2e4\uba85 \ud655\uc778 \uc758\ubb34\ud654"},"content":{"rendered":"

| \uae30\uad00 \uac04 \uc0ac\uae30 \uc815\ubcf4 \uacf5\uc720 \uc758\ubb34\ud654…\uc804\uc790\ud1b5\uc2e0 \uc81c\uacf5\uc5c5\uccb4\ub3c4 \ud3ec\ud568
\n| \ud540\ud14c\ud06c \uae30\uc5c5\uc5d0\ub3c4 \uace0\uac1d \uacc4\uc88c\uc815\ubcf4 \uc811\uadfc\uad8c\ud55c \ubd80\uc5ec<\/h3>\n

<\uac1c\uc694><\/strong>
\n\uc720\ub7fd\uc5f0\ud569(EU) \uc774\uc0ac\ud68c\uac00 18\uc77c(\ud604\uc9c0\uc2dc\uac01) \uacb0\uc81c \uc11c\ube44\uc2a4 \ud658\uacbd\uc744 \uc804\uba74 \uac1c\ud3b8\ud558\ub294 \ubc95\uc81c\ud654 \uc791\uc5c5\uc5d0 \ucc29\uc218\ud588\ub2e4\uace0 \ubc1c\ud45c<\/a>\ud568. \uacb0\uc81c \uc0ac\uae30 \ubc29\uc9c0\ub97c \ucd5c\uc6b0\uc120 \ubaa9\ud45c\ub85c \uc0bc\uace0, \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654\uc640 \uae30\uc220 \ud601\uc2e0 \uc7a5\ub824\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uc9c4\ud568. \uc774\uc0ac\ud68c\ub294 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc790 \uac04 \uc0ac\uae30 \uc815\ubcf4 \uacf5\uc720 \uc758\ubb34\ud654\uc640 \uc1a1\uae08 \uc2dc \uacc4\uc88c\ubc88\ud638\uc640 \uacc4\uc88c\uba85\uc744 \ud655\uc778\ud558\ub294 \uc2dc\uc2a4\ud15c\uc758 \ub3c4\uc785\uc744 \uba85\uc2dc\ud55c \uac1c\uc815\uc548<\/a>\uc744 \uc2b9\uc778\ud588\uace0, \uc720\ub7fd\uc758\ud68c\uc640\uc758 \ud611\uc0c1\uc744 \uc55e\ub450\uace0 \uc788\uc74c.<\/p>\n

<\uad6c\uccb4\uc801 \ub0b4\uc6a9><\/strong>
\nEU\uac00 \ub514\uc9c0\ud138 \uae08\uc735 \ud658\uacbd\uc744 \ubcf4\ub2e4 \uc548\uc804\ud558\uace0 \ud601\uc2e0\uc801\uc73c\ub85c \uac1c\uc120\ud558\uae30 \uc704\ud55c \uacb0\uc81c \uc11c\ube44\uc2a4 \uaddc\uc81c \uac1c\ud3b8\uc5d0 \ucc29\uc218\ud588\uc74c. \uc774\ub294 2023\ub144 6\uc6d4 \uc720\ub7fd\uc5f0\ud569 \uc9d1\ud589\uc704\uc6d0\ud68c\uac00 \ucc98\uc74c \uc81c\uc548\ud55c \uacb0\uc81c \uc11c\ube44\uc2a4 \ud604\ub300\ud654 \ubc29\uc548\uc774, 2025\ub144 6\uc6d4 \uc774\uc0ac\ud68c\uc758 \ud611\uc0c1 \uc9c0\uce68 \uc2b9\uc778\uc73c\ub85c \ud55c \ub2e8\uacc4 \uc9c4\uc804\ub41c \uac83\uc784.<\/p>\n

\uc774\ubc88 \uac1c\ud3b8\uc5d0\uc11c\ub294 \uae30\uc874\uc758 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc9c0\uce68\uc778 PSD2(Payment Services Directive 2)\ub97c \uc218\uc815\ud558\uace0, \ubcc4\ub3c4\uc758 \uc2e0\uaddc \uaddc\uc815\uc744 \ud568\uaed8 \ub3c4\uc785\ub420 \uc608\uc815\uc784. PSD2\ub294 \uc720\ub7fd\uc758 \uc624\ud508\ubc45\ud0b9\uc744 \ubc95\uc801\uc73c\ub85c \uac00\ub2a5\ud558\uac8c \ub9cc\ub4e0 \uaddc\uc815\uc73c\ub85c, \ud540\ud14c\ud06c \uae30\uc5c5\uc758 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5 \ud5c8\uc6a9, \uc218\uc218\ub8cc \ubc0f \ud658\uc728 \uc815\ubcf4 \uacf5\uac1c \uc758\ubb34\ud654, \uae08\uc735 \ubc94\uc8c4 \ubc1c\uc0dd\uc2dc \ucc45\uc784 \ubd84\ub2f4 \uae30\uc900 \uba85\ud655\ud654 \ub4f1\uc758 \ub0b4\uc6a9\uc744 \ud3ec\ud568\ud558\uace0 \uc788\uc74c.<\/p>\n

\uc774\uc0ac\ud68c\ub294 \uc774\ubc88 \uac1c\uc815\uc548\uc758 \ubaa9\ud45c\ub97c \u25b2\uacb0\uc81c \uc0ac\uae30 \uac10\uc18c \u25b2\uc218\uc218\ub8cc \ud22c\uba85\uc131 \uc81c\uace0 \u25b2\uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654 \u25b2\uae30\uc220 \ud601\uc2e0 \uc7a5\ub824\ub85c \uba85\ud655\ud788 \ud558\uace0 \uc788\uc74c.<\/p>\n

\ud2b9\ud788 \uc0ac\uae30\ubc94\uc774 \uc2e4\uc81c \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc790\ucc98\ub7fc \uac00\uc7a5\ud574 \uc0ac\uc6a9\uc790\uc5d0\uac8c \uae08\uc735 \ud589\uc704\ub97c \uc720\ub3c4\ud558\ub294 ‘\uc2a4\ud478\ud551 \uc0ac\uae30(spoofing fraud)’\uc640 \uac19\uc740 \uc2e0\uc885 \uc0ac\uae30 \uc218\ubc95\uc774 \ud655\uc0b0\ub418\uba74\uc11c, \uc0ac\uc804 \uc608\ubc29\uc801 \ub300\uc751 \ud544\uc694\uc131\uc774 \ucee4\uc84c\ub2e4\ub294 \ud310\ub2e8\ub3fc, \uc0ac\uae30 \ubc29\uc9c0\ub97c \uc704\ud55c \ud575\uc2ec \uc870\uce58\uac00 \ucd94\uac00\ub420 \uc608\uc815\uc784. \uad6c\uccb4\uc801\uc73c\ub85c\ub294 \u25b2\uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc790 \uac04 \uc0ac\uae30 \uad00\ub828 \uc815\ubcf4 \uacf5\uc720 \uc758\ubb34\ud654 \u25b2\uc1a1\uae08 \uc804 \uacc4\uc88c\ubc88\ud638\uc640 \uc218\ucde8 \uacc4\uc88c \uba85\uc758\uc758 \uc77c\uce58 \uc5ec\ubd80 \ud655\uc778 \uc2dc\uc2a4\ud15c \uad6c\ucd95<\/strong>\uc774 \ud3ec\ud568\ub428. \ub098\uc544\uac00, \uae30\uc874\uc5d0\ub294 \uace0\ub824\ub418\uc9c0 \uc54a\uc558\ub358 \uc778\ud130\ub137 \ud1b5\uc2e0\uc0ac\uc640 \uba54\uc2dc\uc9d5 \ud50c\ub7ab\ud3fc \ub4f1 \uc804\uc790\ud1b5\uc2e0\uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub3c4 \uc0ac\uae30 \ubc29\uc9c0 \ubc94\uc704\uc5d0 \ud3ec\ud568\uc2dc\ud0ac \uacc4\ud68d<\/strong>\uc784.<\/p>\n

\ub610 \ud22c\uba85\uc131 \uac15\ud654\ub97c \uc704\ud574 \uace0\uac1d\uc774 ATM\uc5d0\uc11c \ud604\uae08 \uc778\ucd9c \uc2dc, \uac70\ub798 \uc804\uc5d0 \ubaa8\ub4e0 \uc218\uc218\ub8cc\uc640 \ud658\uc728 \uc815\ubcf4\ub97c \uc81c\uacf5<\/strong>\ud560 \uc758\ubb34\ub97c \ucd94\uac00\ud568. \uacb0\uc81c \uce74\ub4dc \uc218\uc218\ub8cc\uc640 \uad00\ub828 \uaddc\uce59\uc5d0 \ub300\ud55c \uacf5\uac1c\ub3c4 \uac15\ud654\ub420 \uc608\uc815\uc784.<\/p>\n

\uc544\uc6b8\ub7ec, \ud540\ud14c\ud06c \uae30\uc5c5 \ub4f1 ‘\uacb0\uc81c \uac1c\uc2dc \uc11c\ube44\uc2a4(PIS) \ubc0f \uc815\ubcf4 \uc11c\ube44\uc2a4(AIS) \uc81c\uacf5\uc790’\ub3c4 \uc740\ud589 API\ub97c \ud1b5\ud574 \uc0ac\uc6a9\uc790\uc758 \uacc4\uc88c \uc815\ubcf4\uc5d0 \uc811\uadfc\ud560 \uc218 \uc788\ub3c4\ub85d \uae30\uc220 \uc694\uac74\uc744 \uac1c\uc120\ud560 \uacc4\ud68d\uc784. \uc774\ub294 \ubcf4\uc548 \uc0ac\uace0 \ubc1c\uc0dd\uc2dc \ucc45\uc784\uc18c\uc7ac\ub97c \uba85\ud655\ud788 \ud558\uace0, \uc0ac\uc6a9\uc790\uc758 \ud53c\ud574\ub97c \ucd5c\uc18c\ud654\ud558\uae30 \uc704\ud55c \uc870\uce68\uc784. \uc774\uc0ac\ud68c\ub294 \uc774\ub97c \uc704\ud574 \ucda9\ubd84\ud55c \uc548\uc804\uc7a5\uce58\uc640 \uaddc\uc81c\uc801 \uace0\ub824\uac00 \ub3d9\ubc18\ub3fc\uc57c \ud55c\ub2e4\ub294 \uc785\uc7a5\uc744 \uac15\uc870\ud558\uace0 \uc788\uc74c. \ub610 \ud574\ub2f9 \uaddc\uc815\uc774 \uc77c\ubc18 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\ubc95(GDPR)\uc744 \ube44\ub86f\ud55c \uae30\uc874 EU \ubc95\ub960\uacfc \uc77c\uce58\ud574\uc57c \ud568\uc744 \uc7ac\ud655\uc778\ud588\uc74c. \uc774\ub294 \ubc95\ub960 \uac04 \ucda9\ub3cc \uac00\ub2a5\uc131\uc744 \ucd5c\uc18c\ud654\ud558\uace0, \uad6d\ubbfc\uc758 \uac1c\uc778\uc815\ubcf4 \uc790\uae30\uacb0\uc815\uad8c\uc744 \ubcf4\uc7a5\ud558\ub824\ub294 \ucde8\uc9c0\uc784.<\/p>\n

\uac1c\uc815\uc548\uc740 \uc774\uc0ac\ud68c \ud611\uc0c1 \uc9c0\uce68\uc758 \uc2b9\uc778\uc744 \ubc1b\uc544, \uc774\uc81c \uc720\ub7fd\uc758\ud68c\uc640\uc758 \ucd5c\uc885 \ud611\uc0c1\uc5d0 \ub4e4\uc5b4\uac08 \uc608\uc815\uc784. \uc591 \uae30\uad00 \uac04\uc758 \ud569\uc758\uac00 \uc774\ub8e8\uc5b4\uc9c0\uba74, \uac1c\uc815\uc548\uc774 \ubc95\uc801 \uad6c\uc18d\ub825\uc744 \uac16\uac8c \ub418\uba70 EU \uc804\uc5ed\uc5d0 \uc801\uc6a9\ub428.<\/p>\n

<\uc2dc\uc0ac\uc810><\/strong>
\nEU\uc758 \uc774\ubc88 \uacb0\uc81c \uc11c\ube44\uc2a4 \uac1c\ud3b8\uc740 \uc9c4\ud654\ud558\ub294 \ub514\uc9c0\ud138 \uae08\uc735 \ud658\uacbd\uc5d0 \uac78\ub9de\uc740 \uc18c\ube44\uc790 \ubcf4\ud638\uc640 \uaddc\uc81c \uccb4\uacc4\ub97c \uac16\ucd94\ub824\ub294 \uc2dc\ub3c4\ub85c \ud3c9\uac00\ub428. \ud2b9\ud788 \uc0c8\ub85c \ucd94\uac00\ub41c \uc0ac\uae30 \ubc29\uc9c0 \ubc0f \uc218\uc218\ub8cc \ud22c\uba85\uc131 \uac15\ud654 \uaddc\uc815\uc740 \uc138\uacc4 \uac01\uad6d\uc758 \uc720\uc0ac \uaddc\uc81c \ub17c\uc758\uc5d0\ub3c4 \uc601\ud5a5\uc744 \uc904 \uc218 \uc788\uc74c. \ud55c\uad6d \uc5ed\uc2dc \uc720\uc0ac\ud55c \uae08\uc735 \uc0ac\uae30 \ubb38\uc81c\uc640 \uc18c\ube44\uc790 \ubcf4\ud638 \uacfc\uc81c\ub97c \uc548\uace0 \uc788\ub294 \ub9cc\ud07c, EU\uc758 \uc785\ubc95 \ud750\ub984\uc744 \uba74\ubc00\ud788 \uc8fc\uc2dc\ud560 \ud544\uc694\uac00 \uc788\uc74c.<\/p>\n","protected":false},"excerpt":{"rendered":"

| \uae30\uad00 \uac04 \uc0ac\uae30 \uc815\ubcf4 \uacf5\uc720 \uc758\ubb34\ud654…\uc804\uc790\ud1b5\uc2e0 \uc81c\uacf5\uc5c5\uccb4\ub3c4 \ud3ec\ud568 | \ud540\ud14c\ud06c \uae30\uc5c5\uc5d0\ub3c4 \uace0\uac1d \uacc4\uc88c\uc815\ubcf4 \uc811\uadfc\uad8c\ud55c \ubd80\uc5ec <\uac1c\uc694> \uc720\ub7fd\uc5f0\ud569(EU) \uc774\uc0ac\ud68c\uac00 18\uc77c(\ud604\uc9c0\uc2dc\uac01) \uacb0\uc81c \uc11c\ube44\uc2a4 \ud658\uacbd\uc744 \uc804\uba74 \uac1c\ud3b8\ud558\ub294 \ubc95\uc81c\ud654 \uc791\uc5c5\uc5d0 \ucc29\uc218\ud588\ub2e4\uace0 \ubc1c\ud45c\ud568. \uacb0\uc81c \uc0ac\uae30 \ubc29\uc9c0\ub97c \ucd5c\uc6b0\uc120 \ubaa9\ud45c\ub85c \uc0bc\uace0, \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654\uc640 \uae30\uc220 \ud601\uc2e0 \uc7a5\ub824\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uc9c4\ud568. \uc774\uc0ac\ud68c\ub294 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc790 \uac04 \uc0ac\uae30 \uc815\ubcf4 \uacf5\uc720 \uc758\ubb34\ud654\uc640 \uc1a1\uae08 \uc2dc \uacc4\uc88c\ubc88\ud638\uc640 […]<\/p>\n","protected":false},"author":24,"featured_media":7137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[607,613,8],"tags":[123,795,134,601,5614,49,35],"class_list":{"0":"post-30836","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ai-coin","8":"category-europe","9":"category-compliance","10":"tag-eu","11":"tag-795","12":"tag-134","13":"tag-601","14":"tag-5614","15":"tag-49","16":"tag-35"},"yoast_head":"\nEU, \uc0ac\uae30 \ubc29\uc9c0 \uc704\ud574 \uacb0\uc81c \uc11c\ube44\uc2a4 \uaddc\uc81c \uac1c\ud3b8\u2026\uc1a1\uae08 \uc2dc \uc2e4\uba85 \ud655\uc778 \uc758\ubb34\ud654 SanctionLab<\/title>\n<meta name=\"description\" content=\"\uc720\ub7fd\uc5f0\ud569(EU) \uc774\uc0ac\ud68c\uac00 18\uc77c(\ud604\uc9c0\uc2dc\uac01) \uacb0\uc81c \uc11c\ube44\uc2a4 \ud658\uacbd\uc744 \uc804\uba74 \uac1c\ud3b8\ud558\ub294 \ubc95\uc81c\ud654 \uc791\uc5c5\uc5d0 \ucc29\uc218\ud588\ub2e4\uace0 \ubc1c\ud45c\ud568. \uacb0\uc81c \uc0ac\uae30 \ubc29\uc9c0\ub97c \ucd5c\uc6b0\uc120 \ubaa9\ud45c\ub85c \uc0bc\uace0, \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654\uc640 \uae30\uc220 \ud601\uc2e0 \uc7a5\ub824\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uc9c4\ud568.\" \/>\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.sanctionlab.com\/?p=30836\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"EU, \uc0ac\uae30 \ubc29\uc9c0 \uc704\ud574 \uacb0\uc81c \uc11c\ube44\uc2a4 \uaddc\uc81c \uac1c\ud3b8\u2026\uc1a1\uae08 \uc2dc \uc2e4\uba85 \ud655\uc778 \uc758\ubb34\ud654 SanctionLab\" \/>\n<meta property=\"og:description\" content=\"\uc720\ub7fd\uc5f0\ud569(EU) \uc774\uc0ac\ud68c\uac00 18\uc77c(\ud604\uc9c0\uc2dc\uac01) \uacb0\uc81c \uc11c\ube44\uc2a4 \ud658\uacbd\uc744 \uc804\uba74 \uac1c\ud3b8\ud558\ub294 \ubc95\uc81c\ud654 \uc791\uc5c5\uc5d0 \ucc29\uc218\ud588\ub2e4\uace0 \ubc1c\ud45c\ud568. \uacb0\uc81c \uc0ac\uae30 \ubc29\uc9c0\ub97c \ucd5c\uc6b0\uc120 \ubaa9\ud45c\ub85c \uc0bc\uace0, \uc18c\ube44\uc790 \ubcf4\ud638 \uac15\ud654\uc640 \uae30\uc220 \ud601\uc2e0 \uc7a5\ub824\ub97c \ub3d9\uc2dc\uc5d0 \ucd94\uc9c4\ud568.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sanctionlab.com\/?p=30836\" \/>\n<meta property=\"og:site_name\" content=\"SanctionLab\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-19T20:21:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-29T22:59:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2024\/12\/european-union_flag.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1063\" \/>\n\t<meta property=\"og:image:height\" content=\"725\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"\uce74\uc640\ud558\ub77c \uc0ac\ucfe0\ub77c \uc5f0\uad6c\uc6d0\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"\uce74\uc640\ud558\ub77c \uc0ac\ucfe0\ub77c \uc5f0\uad6c\uc6d0\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"3\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=30836#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=30836\"},\"author\":{\"name\":\"\uce74\uc640\ud558\ub77c \uc0ac\ucfe0\ub77c \uc5f0\uad6c\uc6d0\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/person\/f1be0d6453e236d5f8e60a35a67e2407\"},\"headline\":\"EU, 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