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E-

E-E-

E-

E- ()

100 1,000 50 5

E-

2023 E- 3.68% E- 1% - 2% E-

1

E-

E- (CRO: Conversion Rate Optimization)

E-1

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• Stripe Checkout
  
• Stripe Payment Links QR
  
• Stripe Elements Stripe UI
  

(LTV)

E-Link 7% Link

2022 Stripe 70% E- ()

Stripe Radar (ML) Stripe Radar Stripe

Stripe Adaptive Acceptance ML

Stripe E- 40%

Stripe 50

(BNPL) AffirmAfterpayKlarna BNPL

BNPL

BNPL