Korean small and medium sized software companies have tried to export their solutions or services to overseas markets. In 2016, exports of the software industry increased by 6.0% from the previous year, and the value added of the industry was 2.2 times higher than that of the manufacturing industry. From a long-term perspective, it is important to secure a global competitive advantage in order to sustain the export high value-added of the software industry. The obstacles to entry into the overseas market of small to medium enterprises are as follows: first, difficulty in product development and localization of marketing; second, lack of investment for overseas expansion; and finally, competitiveness of software technology. In particular, To overcome such obstacles, Korean small and medium sized software companies should increase the technical perfection and secure software export competitiveness. The paper presents a payment settlement framework enabling adaptive reuse and semiautomatic development of global payment settlement services. The quantitative and qualitative evaluation results are presented with domestic and overseas case studies as follows: Firstly, semi-automatic development is realized successfully by applying the framework. Secondly, it is possible to maintain consistent quality of software and to deliver maintenance services without relying on the internal human resources. Thirdly, it is possible to reduce the project duration of the same development cope to less than 50% by applying the framework. Finally, because it is based on BPMN 2.0, which is a high level design diagram, it is expected that it will be easy to implement through components connection and reduce difficulties in technology transfer and localization. Also, at the time of runtime operation, it will be effective to understand the design idea easily and to carry out additional developments without human resource who participated in the initial project.

1. 서 론
 2. 이론적 배경
  2.1 중소 소프트웨어 기업의 해외 시장 진출 장애요인
  2.2 중소 소프트웨어 기업의 기술경쟁력 약화 요인
  2.3 소프트웨어 재사용 관점의 프레임워크에 대한연구
  2.4 기술경쟁력 강화를 위한 프레임워크의 고려사항
 3. 글로벌 지급결제 프레임워크 제시
  3.1 BPMN 2.0 적용을 위한 설계
  3.2 적응형 재사용을 위한 설계
  3.3 컴포넌트 구성
  3.4 프레임 구조에 따른 PSF 아키텍처
  3.5 결제청산 업무 적용 사례
 4. 사례분석-적용 및 평가
  4.1 베트남 W은행 펌뱅킹시스템 구축 사례
  4.2 BOH(Bank of Hope) 사례
  4.3 평가
 5. 결 론
 Acknowledgement
 References

• 배현기(한양대학교 일반대학원 경영컨설팅학과) | Huynki Bae (Department of Business Consulting, Graduate School of Hanyang University)
• 안윤지(㈜디리아) | Yunji Ahn (DIREA)
• 박광호(한양대학교 경상대학) | Kwangho Park Corresponding author