전국무역인연합 (전무련)

<h5 class="tit" style="box-sizing: border-box; padding: 0px 0px 20px; margin: 0px; vertical-align: top; line-height: 1.4; font-size: 25px; color: rgb(63, 63, 63); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif;">독일 핀테크 시장 현황</h5><div class="etc-list cf" style="box-sizing: border-box; padding: 0px 0px 35px; margin: 0px; vertical-align: top; line-height: 1.2; color: rgb(55, 55, 55); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif; font-size: 14px;">2019-12-19 김현정 독일 뮌헨무역관</div><div class="global-news-content" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9; color: rgb(55, 55, 55); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif; font-size: 14px;"><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">- 현금 사랑 독일인, 유럽2차 결제 산업 지침(PSD2) 실효로 핀테크 성장 기대 –<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">- 독일 뮌헨은 핀테크, 인슈어테크(Insurtech) 거점 도시로 발돋움 중 -<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">□ 산업동향<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  ㅇ 핀테크(fintech)'란 '금융(finance)'과 '기술(technology)'이 결합한 서비스로 저축, 송금, 보험 등의 금융 서비스에 빅데이터 분석,인공지능 및 블록체인 등의 소프트웨어 기술적 요소가 더해진 것을 의미하며, 금융의 인터넷화, 모바일화 현상으로 이해 할 수 있음<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">    - 세계의 핀테크 결제 시장 규모는 2019년 480억 달러에서 2025년까지 1,243억 달러에 달할 것으로 예측되며, 약 23.84%의 연평균 성장률(CAGR)이 전망됨(자료:Deloitte, KPMG)<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">ㅇ 2019년 11월  글로벌 회계 컨설팅업체 KPMG 인터내셔널과 핀테크 벤처투자기관 H2벤처스는 ‘올해의 핀테크 100대 기업’을 선정해 발표함. 기술 혁신과 자본 조달이 우수한 업체는 ‘50대 선도 기업’으로, 새로운 기술로 주목받는 곳은 ‘50대 떠오르는 기업’으로 분류함<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">총 2,135억달러 가치, 58개 주요 기업 분포도<p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233400301_EIMGY7BJ.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 796px; height: 477px; line-height: 1.9 !important;"><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료: CBInsight<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important;">    - 한국 기업 중에는 간편 송금 서비스, 토스(Toss)를 운영하는 비바리퍼블리카가 29위를 차지함. 한국 시장은 개인 간 거래(P2P) 모바일 결제 서비스가 앞서 나가고 있으며 금융 서비스 10개 이상을 새로 내놓으며 국제적으로 좋은 평가를 받음. 블록체인을 기반으로 해외송금 서비스를 제공하는 ‘모인’은 50대 떠오르는 기업에 이름을 올렸음(자료: KPMG)<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important;">ㅇ 독일 스타트업 산업은 영국 다음으로 활성화 되어 있으며, 2019년 현재 독일 내 스타트업 전체 투자비용은 약 50억 유로, 506건의 거래(Deal)가 성공적으로 진행이 됨. 그 중5천만 유로 이상의 딜(Deal)은 약 21개가 됨. 전체 스타트업 중 핀테크 분야 역시 54건의 성공적인 거래로 스타트업중 두번째로 많은 투자비용을 차지하는 분야임.<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">    - 독일 핀테크 기업들을 정리한 아래 현황도에서는  세부 서비스 카테고리를 약 18개로 분류하여 기업별로 정리하였으며, 세부 서비스로는  1.Payment(지불방식), 2.Bitcoin(가상화폐), 3.IDENT(개인 확인), 4.Credit(신용), 5.Banking(은행업무), 6.Saving(저축), 7.Ecommerce(전자상거래), 8.Order/Cash(주문/ 현금), 9.Insurance(보험), 10.Donations(증여), 11.PFM<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;"> (<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 10pt;">Personal financial management,개인재무관리),  12.Accounting(회계), 13.P2P(개인간거래), 14.Factoring/Collection(팩토링/ 콜렉션), 15.Rating/Risk(등급 / 위험관리),16.API banking, 17.IMMO(부동산), 18.Tools(도구관리) 로 구분됨<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">독일 핀테크 기업 오버뷰, / 2019년 9월 기준<p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;">링크: <a href="https://paymentandbanking.com/german-fintech-overview-unbundling-banks/" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(55, 55, 55); line-height: 1.9 !important;">https://paymentandbanking.com/german-fintech-overview-unbundling-banks/ </a><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233459865_J9UMJREP.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 743px; height: 381px; line-height: 1.9 !important; font-size: 14px !important;"><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료: PBA Experts GmbH (paymentandbanking.com)<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">ㅇ 2019년 독일의 핀테크 기업은 약 900여개사에 달하며, 신규 핀테크 스타트업들의 창업은 전년 127개사에서 53개사로 대폭 줄었으나, 벤처캐피털의 투자는 2018년  11억 5,800만 유로에서 2019년 9월까지 12억 8,900만 유로로 증가함. 독일의 핀테크 스타트업들은 주로 블록체인(Blockchain),파이낸싱(Financing), 투자(Investment), 인슈어텍(Insurtech), 프로프텍(*Proptech: 이윤창출 부동산)으로 발전하고 있음(자료: Comdirect)<p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;">독일 핀테크 현황 분석<p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233528320_K742GY8R.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 347px; height: 277px; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">     <img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233552259_703P0QR8.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 334px; height: 275px; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233617657_SPL959FA.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 473px; height: 277px; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">   <img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233636880_HEJE3FVV.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; outline: none; border: 0px solid rgb(0, 0, 0); width: 220px; height: 277px; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;">   <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(75, 78, 82); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(75, 78, 82); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">: Comdirect <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;">    - 독일의 핀테크 산업은 주요 도시인 베를린, 함부르크, 프랑크푸르트, 뮌헨 등에 위치하며 특히 뮌헨은 Allianz, Munich Re, die Bayerische와 LV1871, 금융기업인 와이어카드(wirecard)의 본사 소재지로 보험과 관련된 인슈어테크(Insurtech)로 발전되고 있음  <p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;">독일 도시별 생성 스타트업 성격 및 투자비용<p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;"><img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233748119_KU5L3ZV6.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 416px; height: 337px;">  <img alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000962%2F20191210233820418_IX90FMEU.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 294px; height: 356px;"><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; font-size: 10pt; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">: 독일 스타트업 (<a href="http://www.deutsche-startups.de/" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(55, 55, 55); line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">www.deutsche-startups.de</a>), Handelsblatt<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">  <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;">    - 뮌헨의 동부역(Ostbahnhof)근처에 새로 조성된 산업단지에 위치한 Werk 1(<a href="http://www.werk1.com/" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(55, 55, 55); line-height: 1.9 !important;">www.werk1.com</a>)은 뮌헨 지역의 Insurtech Hub (<a href="http://www.insurtech-munich.com/" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(55, 55, 55); line-height: 1.9 !important;">www.insurtech-munich.com</a><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">) <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">사무실이 위치하여, 뮌헨지역 스타트업들의 밀집 지역임. 뮌헨의 대표 Insurtech 으로는 IDnow, ottonova를 들 수 있음<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">□ 독일내 <b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">주요<b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">핀테크 스타트업 <b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <b style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">사례<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">ㅇ 2019년 12월  현재, 독일내 가장 많은 투자를 받은 스타트업으로 Flixbus (4억7천만 유로), GetYourGuide (4억 2천만 유로), N26 (4억6백만 유로), SumUp (3억3천만유로),등을 들 수 있는 데, 이 중 N26사와 SumUp사가 핀테크 관련 스타트업임(자료:<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 10pt;">www.deutsche-startups.de)<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">    - Insurtech Hub의 대표이사인 홀츠하우어(Holzhauer)씨는 우리 무역관과의 인터뷰에서 “세계적인 스타트업 생태계(ecosystem)로 운영되는 샌프란시스코처럼 스타트업들이 활동하기 좋은 지역은 없다고 생각한다. 샌프란시스코는 세계적인 스타트업들이 집중되어 공동의 목적인 성공적인 투자 창출 및  협업 인프라가 가까이 진행된 형태라고 하면서, 기존 보험관련 투자자들이 밀집되어 있는 뮌헨의 경우도 스타트업들이 집중 생성되는 중이라, 관련 환경을 제공할 수 있는 인슈어테크의 허브역활을 하고 싶다”고 밝힘<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;">ㅇ 아래 제시하는 독일 10대 핀테크 기업들이 제공하는 서비스 솔루션과 관련 투자자들의 분석은 관련국내기업들이 참고할 만한 트렌드 및 투자 방향임 <p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">독일 10대 핀테크 스타업 분석<table border="1" cellspacing="0" cellpadding="0" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; width: 782px; border-collapse: collapse; border-spacing: 0px; table-layout: fixed; border: black; line-height: 1.9 !important;"><tbody style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important;"><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(156, 194, 229); border: 1px solid black; width: 56px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">번호</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(156, 194, 229); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 134px;">스타트업</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(156, 194, 229); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 213px;">회사로고</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(156, 194, 229); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 378px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">제공서비스/투자자</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; height: 140px; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; height: 140px; background-color: transparent;">1</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; height: 140px; background-color: transparent;">N26</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; height: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;"><img width="233" height="157" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173039810_2X2US7E5.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 153px; height: 92px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; height: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">N26은 스마트 폰을 통한 온라인 뱅킹 관리 서비스를 제공. 싱가포르 기반, 투자 펀드사인 Insight Venture Partners와 GIC는  3 억 달러를 투자함. Tencent, Allianz X, Valar Ventures, Li Ka-Shing의 Horizons Ventures, Earlybird Venture Capital, Redalpine Ventures 및 Greyhound Capital과 같은 투자자들은  5 억 달러를 추가 투자하여 전문 모바일 은행으로 자리 매김함</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">2</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">Liqid</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="102" height="41" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173100263_2KBMRCGB.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 102px; height: 54px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">금융 포트폴리오 라이선스 관리자인 Liqid는 디지털 자산 관리를 제공함. 다중 자산 대체 투자 회사인 Toscafund Asset Management,Project A, HQ Trust 및 Dieter von Holtzbrinck Ventures (DVH Ventures)는 디지털 자산 관리자인 Liqid에 3,300 만 유로 투자.</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">3</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">Solarisbank</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173124168_Y2S4SXBK.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">BaaS (Banking as a Platform) 서비스를 제공함. 독일 뱅킹 라이센스를 보유한 회사가 자체적으로 금융 제품을 개발할 수 있도록 지원하는 서비스. BBVA, Visa, Lakestar, ABN AMRO DIF, Arvato Financial Solutions 및 일본 SBI 그룹과 함께 5 억 6,700 만 유로를 투자함</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">4</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">Finanzcheck.de</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="289" height="50" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173148634_J63VX81X.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 197px; height: 42px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">소비자 신용 비교 서비스를 제공 중이며, Scout24의 자회사임. 약 230 명 종업원 근무중이며, Acton Capital Partners, btov Partners, Highland Europe 및 HarbourVest Partners에서 4 천 6 백만 유로 투자함</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; height: 75px; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; height: 75px; background-color: transparent;">5</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; height: 75px; background-color: transparent;">Deposit Solution</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; height: 75px; background-color: transparent;"><img title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173239993_E2OPBZUP.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; height: 75px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">2011 년에 설립. 유럽 전역의 예금 관련,오픈 뱅킹 플랫폼의 선구자 기업. Vitruvian Partners, Kinnevik사에서 1 억 달러 투자하였으며, 현재 기업가치는 5 억 달러 추정</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">6</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">IDNow</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="108" height="39" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173250332_G4P125DY.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 132px; height: 55px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">IDnow는 뮌헨에 위치하고 있으며 자격 신원 확인 생체인증 플랫폼 서비스를 제공.  IDnow는  인공지능, 생체인식 및 머신러닝의 조합을 사용하여 동시에 70 억 명의 신분증 확인 가능하다고 함</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">7</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">figo</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="470" height="350" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173349577_LQXEAV9S.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 152px; height: 103px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">유럽 최초의 금융 서비스 B2B제공 핀테크 기업. API개발을 통해 다양한 금융 기관에 접근 가능. 은행 계좌, 신용 카드, 예금, PayPal 및 다양한 빅데이터가 포함됨.</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">8</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">Fincite</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="108" height="48" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173433254_79QTUZ81.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 120px; height: 53px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">디지털 자산 관리 서비스 제공, 플랫폼을 통해 기존 포트폴리오를 분석, 모니터링 할 수 있으며, 데이터들을 최적화하여 이윤 창출 가능 서비스</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">9</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">FinCompare</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="248" height="58" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173454789_ST51GP2M.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 168px; height: 46px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">중소기업들의 융자대출 온라인 플랫폼 제공. 250 개 이상의 은행, 대체 금융들 간의 상호 호환 서비스 제공. 대출, 임대, 팩토링 및 구매 등 다양한 금융 옵션을 플랫폼을 통해 제공중임</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 56px; background-color: transparent;">10</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 134px; background-color: transparent;">SumUp</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 213px; background-color: transparent;"><img width="136" height="50" title="" alt="" src="https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fnews.kotra.or.kr%2Fcrosseditor%2Fbinary%2Fimages%2F000963%2F20191211173516964_8EA4WH6H.png" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: baseline; line-height: 1.9 !important; outline: none; border: 0px solid rgb(0, 0, 0); font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 14px !important; width: 158px; height: 67px;"> </td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 378px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">독일-영국 두 국가에 위치하며, 현재 1,000 명 이상의 종업원, 약 30 억 달러로 회사 가치  추정. POS(Point of Sale) 계산을 모바일에서 카드 결제로 가능한 서비스 제공</td></tr></tbody></table><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료: 뮌헨무역관 정리<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">ㅇ 유럽의 유니콘 기업이나 핀테크 스타트업들은 국제적인 핀테크 관련 컨퍼런스에 참가하여 관련 서비스 및 기술력들을 피칭하여 굵직한 투자자들과의 만남의 계기로 활용함. 다가오는 2020년에도 핀테크 관련 투자는 확대될 전망인 가운데, 유럽 투자자들이 대거 참가하는 행사들에 국내 핀테크 스타트업들이 참가하기 유망한 행사들은 아래와 같음<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  <p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">유럽내 주요 핀테크 행사 일정 / 2020년<table border="1" cellspacing="0" cellpadding="0" style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; width: 783px; border-collapse: collapse; border-spacing: 0px; table-layout: fixed; border: black; line-height: 1.9 !important;"><tbody style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important;"><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(172, 185, 202); border: 1px solid black; width: 209px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">행사명</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(172, 185, 202); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 140px;">일정</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(172, 185, 202); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 257px;">링크</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; background: rgb(172, 185, 202); border-width: 1px 1px 1px 0px; border-style: solid solid solid none; border-color: black black black rgb(0, 0, 0); border-image: none 100% / 1 / 0 stretch; width: 175px;">장소</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">Blockchain Economic Forum</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">1월20일~24일</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">bef.latoken.com/davos2020</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">Davos, Swiss</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">Paris FinTech Forum</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">1월 28일~29일</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">www.parisfintechforum.com</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">Paris, France</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">Insurance Innovators</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">3월 3일~ 4일</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">marketforcelive.com/insurance-innovators/events/digital-insurance/</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">Munich, Germany</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">FINTECH WORLD FORUM</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">5월 21일~ 22일</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">fintechconferences.com/</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">London , UK</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">Money Europe 2020</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 16px;">6월 16일~18일</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">europe.money2020.com/</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">Amsterdam, Netherland</td></tr><tr style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: middle; line-height: 1.9 !important;"><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px; border-style: none solid solid; border-color: rgb(0, 0, 0) black black; border-image: none 100% / 1 / 0 stretch; width: 209px; background-color: transparent;">Werk 1 Event</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 140px; background-color: transparent;">연간 상시</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 257px; background-color: transparent;">www.werk1.com/events</td><td style="box-sizing: border-box; padding: 0px 7px; margin: 0px; vertical-align: middle; line-height: 1.9 !important; font-size: 14px !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; border-width: 0px 1px 1px 0px; border-style: none solid solid none; border-color: rgb(0, 0, 0) black black rgb(0, 0, 0); width: 175px; background-color: transparent;">Munich, Germany</td></tr></tbody></table><p align="center" style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-align: center; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">자료: 뮌헨무역관 정리<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;">  <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">□ 유럽 핀테크 사업 규제 관련 분석<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  ㅇ 2019년 9월 14일자로 유럽 2차 결제 산업 지침(PSD2: Payment Services Directive 2)이 유럽 금융기관내 실효됨으로서, 관련 핀테크 국내기업은 독일 시장 진출에 앞서, 시장 규제 내용을 숙지해야 할 것임.<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;">    - PSD2 (Payment Services Directive 2)의 실효로 금융권 및 핀테크사들은 제 3자가 연결할 공개 API(Application Programming Interface/응용프로그램 인터페이스)가 포함된 RTS(RTS : Regulatory Technical Standard/규제 기술 표준)를 의무적으로 준수해야 하는 점이 핵심 요점임<ol style="box-sizing: border-box; padding: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; vertical-align: top; list-style-position: initial; list-style-image: initial; direction: ltr; line-height: 1.9 !important;"><li style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; list-style: none; line-height: 1.9 !important;"><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">온라인 결제시 강력한 보안 인증 규칙인 RTS 시행 의무</li></ol><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">    - RTS는 보안 인증과 통신 표준을 위한 규제로, 은행과 제 3자 결제 서비스 제공자들 사이에 API에 대한 최소한의 요구사항을 충족시켜야 계좌 정보에 접근이 가능함. RTS는 고객 정보를 위한 기반으로 구축되었지만, 모호한 표현과 조항들이 많은 현 상황들을 잘 인지하고 해석해 나가야 할 것임<ol style="box-sizing: border-box; padding: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; vertical-align: top; list-style-position: initial; list-style-image: initial; direction: ltr; line-height: 1.9 !important;"><li style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; list-style: none; line-height: 1.9 !important;"><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">유럽 전역의 금융기관 결제 서비스 호환을 위한 기술 솔루션, API 구축 필요</li></ol><p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">    - 유럽 전역의 은행들은 각각 독자적인  API 표준 및 사양을 보유하고 있고, 지불 결제 수행 및 은행 간 인증 수행 시 상충하는 경우가 있어 국가간 금융 기관이 협력하기 어려운 환경임. 핀테크 기업들은 금융 기관끼리의  공동 사용 가능한 솔루션을 제공해야 함<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"> <p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">□ 국내기업 독일 진출 현황과 전망, 시사점<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  ㅇ 2019년 핀테크 사업의 주요 기술력을 분석해 보자면 ①데이터 관리 및 사용 간소화, ②클라우드 컴퓨팅 비즈니스 영역 창출, ③사이버 보안 탐지 및 차단용 생체 인증 기술, ④모바일 앱 및 BaaS 설정등을 들 수 있음<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">    - 이러한 기술력 분석을 바탕으로, 국내 IT기업들의 간소화(Simplify), 가상화(Virtual), 모바일(Mobile)화의 강점으로 접목한다면,유럽 금융 기업들과의  협업, 융복합할 수 있는 기회가 될 수 있을 것으로 판단됨<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">  ㅇ 국내기업 Y사는 현지 진출 국내 기업 B사의 현지 기반을 활용해 자체 핀테크 기술을 독일 철도청에 적용 중임. 특히 독일 철도청(DB) 회의실 2만개를 비롯 철도 시스템 내에 국내 핀테크 프로그램을 설치하여, 예약자의 자동 체크인하는 시스템을 공급 중<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; text-indent: 8.25pt; word-break: break-all;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important; font-size: 13px;"><span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; color: rgb(0, 0, 0); line-height: 1.9 !important; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">    - 독일 철도청 외에 슈파카세(Sparkasse), 캄프(Kamp) 등에 대한 영업권을 확보하고 있어 사업 확장성을 고려해 협업 시작. 이번 협약을 계기로 유럽 내 서비스 확대를 기대하고 있으며, 앞으로 은행과 상점 내 지점 관리와 매장 내 모바일 주문, 샵 마케팅, 모바일 결제 사업 등에 진출할 계획이라고 함<p style="box-sizing: border-box; margin-bottom: 10px; vertical-align: middle; line-height: normal; background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial; word-break: break-all;">ㅇ<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">독일 주요<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">금융 기관 및 보험사들은<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> 글로벌 스타트업들에 대한 투자에 대한 관심이 높고<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">, 신기술 도입에 발빠르게 대응하고 있으며, 신생 <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">핀테크<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> 스타트업에 대한 투자 결정이 신속한 인프라가 형성되어 있음      -글로벌 사회에서도 국내 핀테크 기술력을 인정받고 있는 시점에, 국내 <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">기술개발<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">경쟁력을<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">바탕으로<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">독일 금융 투자자들의 핀테크<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> 기술 <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">수요 충족 및 협업<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> <span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;">가능성이<span style="box-sizing: border-box; padding: 0px; margin: 0px; vertical-align: top; line-height: 26.6px; font-family: "Open Sans", "Nanum Gothic", 나눔고딕, NanumGothic, Arial, Helvetica, sans-serif !important;"> 높은 기회라고 전망</div>