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디지털 금융의 화두는 언제나 대출, 투자, 고액 결제에 집중되어 왔습니다. 그러나 2024년 한국은행 자료에 따르면, 1만 원 미만의 소액 결제 비중이 전체 카드 결제의 35%를 넘어섰으며, 그 횟수는 전년 대비 22% 급증했습니다. 이는 단순한 소비 행위를 넘어, 소액 결제가 새로운 금융 실험과 사회적 가치 창출의 도구로 진화하고 있음을 보여줍니다. 이제 ‘소액’에 담긴 ‘용기’에 주목할 때입니다….
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