???? ?????? ?????? ?????? ??????? ?? ??????? ????? ????? ?????? ??????? ??????????? ?????? ??????? ?????. ???? ??????? ??????? ?? ???? ?? 40 ????? ????? ??? ???????? ?? ??? ????? ???????? ??? ?????? ????? ??????? ????? ??? ???? ???? - ?? ?????. ?? ???? ?? ??? ??? ??? ??????? ??????????? ?? ??????? ??? 58.5 ????? ????? ?????? ?? ??? 2027? ??? ?????? ??? ???? ?? ????????? ??? ???????? ?? ?????? ?????? ??? ??????? ??? ?????? ????? ????? ?????? ?? ?? ????????? ??????? ?? ??????? ?????? ????????? ???? ???????. ????? ??? ??????? ?? ??? ????? ???????? ?? ???????? ????? ?????? ????? ??????? ????????.

???? ??????? ??????????? ?????????? ?? ???????: ????? ????????? ????

???? ??????? ???? ???? ??? ??????? ??????????? ?? ???? ??? ????? ??? ????? ????? ??? ?????????? ??? ???? ??? ???????? ????? ??? ??????????? ???????. ??? ?????? ??? ??????? ??????????? ?? ??????? ???? 2024 ??? 38.5 ????? ????? ??????? ?? ??? ????? ??? 58.5 ????? ????? ?????? ????? ??? 2027. ????? ??????? ??????????? ??? ?????? ???? ?????? ??? ???? 30% ?? ?????? ???????? ??? ????????. ?????? ???? ??? ?????? ??????? ???????? ??????? ???????? ?????????? ????????????? ??????????? ????? ?????? ?????? (??????: PCMI? ??????? ??????????? ?? ???????? ?????? 2024).

??????? ??????? ??????? ?????????? ???? ??? ??? ????? ????? ??????????? ???? ?????? ?????? ??? ????? ????? ??? ????? ??? ????? ??? ???????? ???? ?????? ?????????? ?? ???????. ????? ?????? ????? ??? ????? ??? ????? ??? ???? ???? ????? ?????? ??? ????? ??????? ??????? ???? ?????? ??? ???????. ?? ??? ???? ??? ????? ?? ??????? ??????????? ?? ??????? ??? ???? ???????.

??? ????? ?????? ?????? ?? ??????? ??????? ???????????

?? ??? ????? ??? ?????????? ???????????? ??? ???????? ??? ???? ???????. ???? ??? ????? ???? ????? ??????? ?? ??????? ?????? ??????? ??? ?????????? ??????? ??????????? ?????? ??:

??????? ??????? (40% ?? ????????? ??? ????????) - ?????? ?? PromptPay

?? ???? ????????? ??????? ?? ????? ????? ?????? ?????? ???? ???????? ??????? ?? ?????? ?????? ??? ????????? ??? ???? 40% ?? ??? ?????????. ????? ??? ???????? ??? ?? ???? ??? PromptPay? ??? ???? ????? ??????? ???? ?????? ??? ??????? (BOT).

• ?? ??: ????? ???? PromptPay ????????? ?? ????? ?????? ???????? ??????? ????? ??? ????? ??????? ???????? ?? ????? ?????? ??????? ??? ???? ?????? ??? ?????? ?????? ??????? ???????. ???? ?????? ????????? ??????? ??????????? ??????? ????? ????? ??? ?????? ????? ???? ????. ???? ??????? ????? ??????? ??????? ??????? ?? ??????? ??? ????????? ???????? ??? ?????? 61.5% ?? ?????? ???? ????????? ??????? ??????? ??????? ??? ?? ???? ???????? PromptPay (??????: The Nation? ??????? ???? ??????? ??????? ??????? ?? ??????? ??? ????????? ???????? ???? 2025).
• ????? ??? ????????: ?? ????? ????? PromptPay ???? ????? ????? ??? ?????? ??????? ?????? ??????? ?? ???????? ????? ???? ??? ?????? ???????? ??????? ?????? ?????. ??? ???? ????? ????? ????? ?? ???????? ???????? ???? ???.

??????? ??????? (25% ?? ??????? ??????? ???????????) - ????? ?????? ???????

????? ??????? ??????? ????? ??????? ??? ???? ???? 25% ?? ?????? ???? ?????????????? ???????????. ???? ??? ????? ??? ???????? ??? ?? ??????? ?????? ?????. ????? ?????? ?? ???????? ????????? ??? ???? ??????? ???????????:

• TrueMoney: ??? ????? ?? ???? ??????? ??????????? ?? ???????? ??? ??? ?? ?????? ????? True Corporation. ??? ??????? ??? ???????? ?????? ???? ?????? ??????? ?????????? ???? ????????? ???????? ?? ?????? ??? ???? ????? ??? ?? ??? ?? ????? 7-Eleven.
• ????? ???? ???: ???? ????? Rabbit LINE Pay ??? ????? ???????? LINE ??????? ?? ?? ????? ????? ?????? ?????? ???? ??? ?????? ???????? ?????? ????. ?????? ??? ???? ???? ??????? ??????? ??????????? ????? ?? ???????? ??? ???? ???? ??????? ????? 25% ?? ??? ??????? ???????????? ????? ??????? ??? ??????? ??? ???????? ??????? (??????: TransFi).
• ShopeePay: ????????? ??????? ??????????? ????? ??????? ??????????? ??????? Shopee (???? ?????? ??? ??? ????? ???? 49% ?? ??? ??????? ??????????? ??????????? ????? ???????? Momentum Works)? ???? ShopeePay ?????? ????? ???????? ????? ???????? ?? ???? Shopee ??????.
• K Plus (Kasikornbank): ????? K Plus? ???? ???? Kasikornbank? ?? ????? ????? ??? ?????? ??????? ?????? ??? ???? ??? ????? ??? ???? ????????? ???????? ?? ???????. ??? ??? 17 ????? ?????? ??? ?15 ????? ?????? ??? ??????. ???????? ??? ???? ?? ???????? ?? Kasikornbank ??? ???? Reddit ???????? ????? ?????? ????? ??? ????????? ????????????.

????? ??? ????????: ?? ??? ??? ????? ??????? ?? ???????? ??? ??? ??????? ???????????? ??? ????? ?????? ??? ????? ????? ?? ????????? ???????????? ??? ????????. ???? ??? ??????? ?????? ???????? ??????? ?? ???? ????? ???? ???? ??? ????? ??????.

?????? ???????? ?????? (?????? 20% ?? ????????? ??? ????????) - ???????? ????????

???????????? ???????? (19%) ??????? ????? (1%) ?????? ??? 20% ?? ??? ????????? ??? ???????? ?? ???????. ???? ????? ?? ?? ???????? ?? ???? ??? ??? ?? ???? ?? ??? ??????? ???????? ??? ?? ????????? ??? ?? ?????? ??? ?? ??????? ?? ??? ??????? ?????? ???????? ??????? ????? ??? 65.6 ????? ????? ?????? ?? ??? 2025? ?????? 7.1% ?? ????? ?????? (??????: GlobalData? ??? ???? Crowdfund Insider? Asian Banking & Finance).

• ??????? ??????????: ????? ?????????? ???????????? ?????? ???????? ?????? ??? ????? ?? ?????? ??????? ???????? ???? ?????? ?? ??? ?????? ????? ???????? ???? ?????? ?? ??????. ???? ?????? ????? ??? ??????? ????? 0% ?????? ?????????.
• ????? ??? ????????: ?? ????? ????????? ????????? ???? ???????? ????? ?? ?????????? ????? ?????? ??? ??????? ?? ????? ?????? ??????? ???? ????. ??? ???? ???????? ?????? ??????? ???????? ????? ??????? ????????? ???????? ??? ?????? ????? ??? ?????? ?? ???????.

????? ???? ????? ?????? (BNPL) - ??? ?????

????BNPL ????? ??? ????? ???? ?????? ?? ???????. ??? ??? ??? BNPL ?? ??????? ????? ????? ???? ?????? 2021-2024 ????? ??? ???? ???? ???? 24.0%? ??? ??????? ?? ???? ????? ??? ???? ???? ???? 10.9% ???? ?????? 2025-2030? ???? ??? ????? 6.60 ????? ????? ?????? ????? ????? ??? 2030 (??????: ??????? ????????).

• ?????? ????????: ???? BNPL ?????????? ??????? ????? ??? ????? ???? ????? ??? ????? ???? ?????? ??? ???? ?????? ?????? ????? ?????? ???? ?????.
• ????? ??? ????????: ???? ?? ???? ??? ????? BNPL ??? ????? ?????? ??????? ???? ????? ???? ??????? ????? ??? ??????? ????????? ?? ???? ??? ?????? ?????? ?????? ??????????. ??? ???? ??? ????? ?? ??????? ??????????? ???????????.

????? ??? ??????? (COD) / ????????? ??????? (10% ?? ????????? ??? ????????) - ?? ???? ??????

?? ??? ?? ????????? ??????? ???? ?? ????????? ?? ???? ????????? ??????? ??? ??????? (COD) ????? ???? ?? ????????? ??? ????????? ??? ???? 10% ?? ??? ?????? ??? ????????. ???? ???? ???? ????????? ??????? 15% ?? ??????? ???? ?????. ?????? ?? ???? ?? ??????? ?? ????? ????????? ??????? ??? ??????? ??? 5% ?? ??????? ??????? ??????????? ????? ??? 2028 (??????: PCMI).

• ????? ??? ????????: ?? ??? ?? ????? ???? ?? ????????? ??? ?? ???????? ?????? ??? ??????? (?? ??? ????? ????????) ??????? ??????? ???? ?? ??? ??????? ????? ?????? ?? ????? ????? ?????? ?? ???? ??? ???? ??? ???? ?????? ????? ??????. ??? ???? ?? ?????? ?? ??????? ???? ????? ??? ????? ??????? ??????????? ??? ????????.

?????? ??? ????? ?? ???????: ?? ????? ??????? ??????? ????????? ??? ?????? ??

??? ??? ????? ?? ??????? ????? ???? ????. ?? ???? ????? ?????? ??? ?????? ??? ???? ????? ?????? ????? ??? ?? ?????? ?? ???? ????????? ??? ?????? ??????? ?????? BNPL ????? ??????. ???? ??? ??? ?????? ??? ??? ????? ??????? ???? ?????? ???????.

????? ??????? "??????? ???????" ???? ??????? ??????? ??????????? ?? ????? ????????? ???????? ???? ????? ???????? ?????? ??? ???? ?????. ???? ??? ???????? ?????? ?????? ?????? ??????? ????????? ???????? ??? ???? ?????? ??? ?? ?? ?????????? ????????.

??????? ????????????? ????????????????? ??????? ????? ????? ??????? ??? ???????? ?? ???????? ??? ??????? ??????? ?????:

• ????? ???????? ????????? ???????: ??? ?? ???? ????? ?????????? ???? ??? ????? ?? ??????? ???? ???????? ?????????? ?????? ????? PromptPay ????????? ???????? ???????? ??????????? ??????? ??? TrueMoney ?Rabbit LINE Pay ?ShopeePay ?K Plus.
• ?????? BNPL: ????? ????? ?????? "????? ???? ????? ??????" ????? ???? ??????? ???? ?????? ???? ????? ???? ?????? ????????? ??? ?????? ?? ??????? ????? ??????????.
• ??????? ??? ?????? ???????: ???? ????? ?????? ?????? ??????? ???????? ????? ???? ??????? ????? ????? ?????? ?????? ?? ???? ?????? ?? ??? ????? ?????? ??????? ?????.

????? ?? ???? ????? ??????? ??????????? ?????? ?? ????? ??????? ????? ????? ??????????? ???? ????? ??? Shoplazza ???? ??? ????. ???? ?? Shoplazza ??????? ??????? ?????? ?? ????? ??? ????? ??????? ???????? ???????? ??? ???? ??????? ?? ??????? ??????? ????? ???????? ???????? ???????. ????? ??? ????? ???? ??? PromptPay ?TrueMoney ?Rabbit-LINEPay ?Palpay ???????? ??????? ?????????? ?????? ?????? ??????????. ?? ???? ????????? ?? ?????? ??????? ??????? ???? ????? ????? ????? ??????? ???? ????? ?????? ?????? ???? ?????? ?????? ?????? ????????? ??????? ???? ??????? ??????????? ??????????? ?? ???????.

???????

?? ??????? ?? ???? ???????? ??? ???????? ?? ??????? ????? ?? ??? ????: ????? ?????? ???? ???? ??????. ??? ????????? ??? ?????? ????? ?? ??? ????? ?? ???????? ?????? ????????? ???????? ??? PromptPay ??????? ??????? ?? ??????? ???????? ??? ???? ???????? ??????? BNPL ???????? ?? ??? ?????. ?? ????? ???????? ???? ?????? ??????? ??????? ?????? ?????????? ?? ????? ??? ??????? ????????? ?? ????? ?????? ???? ??????? ?????? ??? ???? ?? ??? ????? ?????? ???????. ???? ???? ????? ???????? ?? ???????? ??? ???? ??? Shoplazza? ??????? ??????? ???? ?????? ????? ???????? ???? ???? ????? ?????? ??????????.