조주연 KOTRA 벵갈루루무역관
인도 정부가 2016년 11월 실시한 화폐개혁과 2017년 7월 도입한 통합부가가치세(Goods and Service Tax, GST) 제도에 따라 그동안 전통적인 소매업자(Kirana) 거래가 중심이었던 소비재 시장이 현대적 오프라인 쇼핑몰 시장과 온라인 전자상거래 중심으로 재편되고있다.
최근 인도 소프트웨어산업협회(NASSCOM)와 회계법인 PwC가 공동으로 수행한 보고서에 따르면, 인도 전자상거래 시장 규모는 국민 소득 증가와 인터넷 사용자의 급증에 힘입어 2022년까지 현 수준의 4배인 1500억 달러로 성장할 것으로 전망했다.
인도 전자상거래 시장 규모
(단위: 10억 달러)
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)
자료원: PwC, Livemint
인터넷 사용자 수는 2017년 4억5000만명에서 2022년 8억5000만명으로 두 배 가까이 증가할 것으로 분석했다. 그 중 디지털 방식의 거래를 이용할 1.5억명의 사용자는 다양한 언어 기반과 결제 방식을 바탕으로 하여, 주로 Tier 2~3(중소도시군)에서 나타날 것으로 전망했다. 또한 소비를 주도할 중산층 수는 2017년 3억8000만명에서 2022년 5억4000만명으로 크게 증가할 것으로 추정했다.
인도 온라인 전자상거래 분야에서는 플립카트, 아마존, 페이티엠(Paytm)이 치열한 공방전을 벌이고 있으며, 페이티엠의 전자상거래 플랫폼인 페이티엠 몰(Paytm Mall)은 2019년 3월까지 연간 총 매출 100억 달러를 달성할 것으로 보인다.
필자는 인도 소비재 분야 시장 진출에 대한 조언을 얻기 위해 지난 8월 31일 개최된 ‘2018 대구경북 인도 종합 무역사절단’ 상담회에 참석한 페이티엠 몰 관계자와의 면담을 진행했다.
자료원: KOTRA 벵갈루루 무역관
페이티엠 몰의 소비재 담당 매니저에 따르면, 화장품 판매는 인증 획득이 필수이며, 소요 비용 및 시간을 고려했을 때 현지 수입업자,에이전트와의 협업이 중요하다고 조언했다. 특히 페이티엠 몰 이용고객은 가격민감도가 높기 때문에, 가격경쟁력이 확보되어야 함을 강조했다. 또한 액세서리 등 인증 절차가 필요하지 않은 제품의 경우, 고객의 반응을 보면서 보다 빠르게 시장에 진입할 수 있음을 밝혔다.
경제성장과 안정적 인플레이션으로 가처분소득이 증가한 인도 중산층 비율이 점차 높아지면서 소비재 구입 비율은 증가 추세이고, 특히 온라인 전자상거래를 통한 소비재 소비는 점차 증가할 것으로 전망하며 한국 기업의 적극적인 진출을 독려했다.
페이티엠 등 인도 온라인 쇼핑몰 입점 추진 시 초도 주문 수량이 적기 때문에 한국기업의 기대수준에는 다소 못 미칠 수 있지만, 소비자의 반응(품질, 가격)을 확인하는 방법으로 활용한다면, 검증된 제품은 추후 B2B 시장이나 오프라인 매장 진출 시 유리한 위치를 점할 수 있을 것이라고 덧붙였다.
필자와 면담 시 시종일관 집중하는 페이티엠 몰 관계자의 모습을 보면서 한국 상품에 대한 담당자의 큰 관심을 확인할 수 있었다. 한국 기업들은 앞으로의 시장 성장 가능성을 보고, 현지인 취향에 맞고 지역적 특색을 고려한 제품과 브랜드 개발을 진행하여 인도시장 진입에 대비하기를 바란다.
자료원: Livemint, The Economic Times, KOTRA 벵갈루루 무역관 인터뷰 및 자료 종합