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Temeka Temeka2026-08-17 19:58
Here’s how the scam typically goes, although there are a number of variations. "It just happens instantly," he explains, describing his experience of using the service to receive money from buyers. RBA research from the same year found around half of Australians had heard of the service and 30% had used it in the preceding 12 months. https://dunyya.com/employer/best-payid-casinos-australia-2026-instant-aud-payouts/
Jaqueline Jaqueline2026-08-17 23:07
These issues are usually resolved by checking payment details, reviewing the transaction receipt, or contacting the casino and bank involved in the payment. Players should check whether the casino cashier works smoothly on mobile before depositing, especially if they plan to use PayID for repeated real money pokies sessions. Many Australian players access casino sites through Android and iPhone browsers, then complete PayID deposits through banking apps on the same device. https://jobsremote.work/employer/best-online-casinos-in-australia-2026-100-sites-tested/
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Gertrude Gertrude2026-09-03 23:53
In this section, we’ll walk you through the 4 simple steps you need to complete to create an account at a PayID Australian casino in less than 2 minutes. As a leading PayID deposit casino Australia players can rely on, NeoSpin offers an outstanding 300% match up to AU$11,000, alongside free spins. Mr Pacho offers live dealer games for every type of player, backed by high-quality streams. Processing times varied during our testing, and e-wallet cashouts moved faster than bank transfers, so that’s the better route if speed matters. PayID links through JetonBank for fee-free deposits from AU$30 up to AU$7,800. http://community.lyftdata.com/t/best-neosurf-casinos-australia-top-au-sites-2026/54
Marjorie Marjorie2026-09-25 05:45
There’s no delay in receiving your bonus and/or spins as the offer activates as soon as your deposit clears. The casino offers a matched deposit and, in some cases, free spins. Most PayID Australian casinos allow you to use this payment method for all bonuses, so you can usually claim welcome offers, reload deals, and free spins without restrictions. A PayID Australian casino is generally safe to use from a payment perspective, thanks to bank-verified transfers through the NPP network. Because PayID doesn’t require you to share BSB or account numbers, you never hand sensitive banking details to the casino itself. Before you send any money, your banking app shows the registered name linked to the PayID. Always review the fee and limit information before depositing, or confirm the details with customer support if anything is unclear. https://pad.funkwhale.audio/IBOceZWtT6GsE4STRQq8Bg
Sima Sima2026-09-25 08:20
This provides a high level of trustworthiness and security for users. It ensures instant deposits and fast withdrawals while reducing the risks of fraud. It’s easy to set up, and I love that I don’t have to worry about hidden fees or long waiting times." Most casinos process my withdrawal requests within an hour, which is much faster than using cards. Deposits are instant, and I don’t have to enter my bank details every time, which makes it super convenient. Here, we’ve gathered real reviews from both users and our team of experts to provide you with a comprehensive perspective on the PayID payment method. https://molchanovonews.ru/user/rhythmway6/
Ashleigh Ashleigh2026-09-25 10:12
To that end, our top online casinos offer responsible gambling tools like self-exclusion policies, account limits, and access to third-party help organisations. Plus, the most trusted online casinos ensure your transactions are safe and encrypted. All recommended sites hold valid licences from respected gambling authorities, ensuring regulatory compliance and player protection. The first deposit match is up to A$800, and by your fourth deposit, you can receive up to A$8,000, making this the most reliable online casino for crypto high rollers. http://bbs.51pinzhi.cn/home.php?mod=space&uid=8301569
Cooper Cooper2026-09-25 15:26
Also, before claiming a bonus, check whether PayID deposits qualify and which withdrawal method you’ll need later, so you do not run into avoidable KYC delays when cashing out. Most top Aussie online casinos offer a mix of simple promotions that give you extra funds or free play when you start or keep playing. The casino layer is where the risk lives — choose a licensed operator with verified payout history, and PayID is as safe as any bank transfer. Tailored for Australian residents, the service facilitates instant payments from your bank account while keeping your confidential information secure at all times. When setting up your unique identifier, your identity is also verified for extra protection. That said, some transactions might take a little longer if your bank runs an extra security check. When making a standard bank transfer in Australia, you typically need to provide a BSB number along with your account name and number. http://bbs.hgzvip.net/home.php?mod=space&uid=292506
Rozella Rozella2026-09-25 21:44
For example, if you’ve used your phone as PayID with one account, you can use a personal email address as a PayID with a different bank or institution, so you can still manage several accounts at once, but with a different PayID. If you’ve used your phone as PayID and want to move to a different account, you can’t use the same PayID (phone) to link to a different organisation unless you replace your current account. PayID prides itself on reducing the risk of sending money to the wrong account almost to zero, and you can quickly check your information before sending. Using PayID is as simple as banking at online casinos gets, but I’d still like to give you a few tips and guides to avoid any mistakes or technical errors. Both older and new PayID casinos, like Bizzo, provide a wide variety of exciting options, including live and RNG versions of popular games such as Gravity Blackjack, Speed Roulette, and VIP baccarat. http://xn--l1ae1d.xn--b1agalyeon.xn--80adxhks/user/pullauthor2/
Leonora Leonora2026-09-25 23:46
This is crucial to the set up process as we will send a verification code to your ANZ registered mobile number or email to confirm it’s you setting up a PayID. As a leading PayID deposit casino Australia players can rely on, NeoSpin offers an outstanding 300% match up to AU$11,000, alongside free spins. Whether you’re looking to get started with a bang of a welcome bonus or bounce back from a bad week with some cashback, the top PayID online casinos are generous with their offers. Casinonic offers the same 3,000+ games on mobile and desktop, including the best PayID pokies, classic table games, and live dealer titles. https://pad.stuve.de/U424jXhSTn2pkS1U37Axcw
Dillon Dillon2026-09-26 03:12
Our website operates as an affiliate platform, meaning we earn a small commission when users sign up for online casinos through our links. PayID is generally a safe way to send and receive money, but it’s important to be aware that scammers can still target users. Alternatively, you can request to withdraw your winnings to your Binance BTC wallet, convert USDT to AUD, and transfer the funds to your bank account. https://commonwiki.space/wiki/PayID_Casinos_2026_Fastest_Withdrawals_Tested_0_2h_Payouts
Maddison Maddison2026-09-26 06:36
Many best payout Australian online casinos only offer PayID for deposits, requiring bank transfers or e-wallets for cashouts. Choosing the right online casino for PayID deposit in Australia depends on your playing style. No card details, no e-wallet signups, no waiting for transfers to clear — just fast, secure deposits straight from your everyday bank account. A PayID deposit casino lets Australian players fund their accounts instantly using their mobile number or email address linked to their bank. To check if your institution participates, visit payid.com.au or check your banking app for the PayID option. Credit unions including People’s Choice, Australian Unity, and Regional Australia Bank also support PayID. For online casino players, PayID offers a safer and faster way to move money. https://manualshyundai.com/user/courtcar16/
Tammie Tammie2026-09-26 06:44
Don’t claim bonuses if they tie you down to unrealistic turnover requirements. The best PayID casinos offer reload bonuses, cashback, tournaments, loyalty rewards, and much more. Your payout request will need to be approved before the funds are sent. We’ve highlighted the main options in the chart below. Yet PayID isn’t supported at all casino sites just yet, so you might need to find an alternative method. https://hedgedoc.envs.net/ZAiSqAHGRXuj1xy4HIIFEA
Nicole Nicole2026-09-26 07:52
Most Australian online casinos that accept PayID don’t charge fees, but it’s always good to check their terms just in case. This safe, simple process is why so many players choose Australian PayID online casinos. PayID simplifies online casino payments by linking your phone number or email to your bank account. Once your PayID is set up through your bank, using it at a casino is easy—just select it at checkout, enter your identifier, and confirm the amount. https://hedgedoc.envs.net/LQuURfmIRG-bKtxrhEEaow
Donald Donald2026-09-26 09:18
Whether you’re chasing welcome bonuses, free spins, or VIP rewards, using PayID ensures your transactions are seamless. It’s easy to get in touch with someone who can answer your questions at any time of day/night. In addition to hosting fair games, partnering with good-quality software companies speaks positively about a casino’s overall reputation. These audits take place on a random basis, ensuring that a casino lists pokies and tables with the same RTP rate they were originally designed with. Regular PayID deposits can unlock tiered rewards that include faster withdrawals, dedicated support, exclusive bonuses, and higher-value free spins. Many online casinos that accept PayID offer regular reloads tied to PayID-specific deposit limits or fast-track promotions. https://hedgedoc.dezentrale.space/aTbpdcV7RSCOr275j2iVmg
Jorg Jorg2026-09-26 10:48
The goal is to use bonuses that have realistic terms, therefore giving you a great chance to cash out. Still, if you’ve got a smaller bankroll, don’t jump straight into high-volatility pokies online. Check the RTP (Return to Player)RTP is a guide that tells you the long-term payout percentage. Still, that doesn’t mean that you can’t play smarter, stretch your bankroll, and give yourself better shots at big wins. Most real money games let you bet a few pennies a spin, which is great for long sessions, while some progressive jackpot pokies allow bigger wagers (and bigger potential payouts). Sites with an unlisted or expired licence were dropped, taking out another 8. I started with 40+ sites that accept Australian players and cut the list to 15 using three hard disqualification rules, then ranked what was left. https://pad.funkwhale.audio/HBcqUvSJQLSCQLNwd-mczQ
Corinne Corinne2026-09-26 16:24
At the casinos in this guide, PayID withdrawals initiated on mobile follow the same timeline as desktop-initiated withdrawals — 9 minutes at SkyCrown through to 40 minutes at LolaJack for the standard non-VIP queue. Confirm which network the casino’s wallet address supports before sending — TRC-20 and ERC-20 USDT have different addresses and sending to the wrong network results in lost funds. USDT (Tether) on TRC-20 is the most practical mobile crypto deposit at LuckyDreams specifically — the TRC-20 network has near-zero transaction fees and 1–3 minute confirmation times, versus Ethereum’s variable (and sometimes substantial) gas fees. For players purchasing Neosurf via MyNeosurf on a phone (generating a digital code rather than using a physical receipt), copy-paste the code directly from the MyNeosurf app to the casino cashier to eliminate manual entry errors entirely. You authenticate via your bank app’s biometric or PIN, confirm the transfer, and the banking app redirects you back to the casino. Provider choice matters more on mobile than desktop because coding efficiency varies significantly between studios. Blood Suckers (NetEnt) — The oldest title in this list and one of the best mobile performers. https://doc.neutrinet.be/LbD0D8rRS9-KB7G_hI3yyg
Finley Finley2026-09-27 03:53
Your winnings will then be transferred to your PayID, and they’ll arrive right away. Avoid those sites, and try to find casinos that offer free deposits and withdrawals. Make sure the casino supports PayID for both deposits and withdrawals. There’s no minimum transaction limit for PayID payments. The exact process will vary slightly from one site to the next, but we’ve explained how to deposit at most PayID Australian casinos. PayID just makes moving money easier – it doesn’t replace verification. Most Aussie casinos will still ask you to complete this before you cash out. https://rhcapital.cl/employer/html-online-viewer
Terra Terra2026-09-27 03:54
PayID casinos in Australia let you deposit directly from your bank account using just a mobile number or email. Yet some international casinos have set up Australian bank accounts, so you can transfer AUD to their PayID identifiers. Just visit the cashier section at PayID casinos online to find the minimum deposit limit. When it’s time to cash out your winnings, you can withdraw them to your PayID. But there’s also Stacked Wilds, three mini jackpots, and Blazing Reels, which boost your potential payout by 2,500x your bet. https://bexys.com/profile/laynelwh010517
Luella Luella2026-09-27 04:02
That means you can move money in and out almost instantly at casinos that use PayID, with no cards or extra steps needed. Easy & safe deposits using Interac, Visa, Mastercard, and cryptocurrencies Visa, Apple Pay, and bank transfers supported with 0% transaction fees Win your bet, request a withdrawal, and see your crypto in your wallet in minutes. https://glofcee.com/employer/top-payid-online-casinos-for-aussie-players-in-2025
Patsy Patsy2026-09-27 04:08
Transactions also include name-matching checks, helping online casinos that accept PayID verify your identity faster and avoid delays during KYC. Always verify a casino's licence number on the regulator's public database before depositing. Both support instant PayID deposits directly from the mobile banking app with no additional authentication steps. Withdrawals take longer (15 minutes to 2 hours) due to casino internal processing, but this is still dramatically faster than BPAY or bank transfer alternatives which take 1–3 business days. Most australian online casino payid platforms set minimum deposits of $10–$20 and maximum daily deposits of $15,000–$50,000 depending on your verification level. A former responsible gambling advocate, he has personally tested 200+ casino platforms across Australia and the Pacific region. https://jobs.capsalliance.eu/employer/best-payid-pokies-australia-2026-enjoy-fast-transactions-2
Zane Zane2026-09-27 04:10
You buy the Neosurf voucher at an online or offline store and then enter the code into your chosen Neosurf casino site. Debit cards like Visa and Mastercard remain valuable options for instant deposits and withdrawals. With that said, keep in mind some of these bonuses may require you to enter a coupon code in order to activate them. These online casinos are accessible via mobile devices or browsers. Players need to ensure that they use it at reputable PayID Australian casinos to avoid falling victim to scams or fraud. PayID is considered a safe option for players to use for online payments - before you confirm a transfer, your bank shows you the registered name of the recipient, so you can see exactly who you are paying. https://investsolutions.org.uk/employer/best-payid-casinos-in-australia-2026-real-money-payid-pokies
Audry Audry2026-09-27 04:31
NRL punters can choose from head-to-head, line, margin, and total points markets each round. Finals and marquee games generally receive the widest range of player markets. AFL and NRL lead the weekly action, while cricket, racing, soccer, and tennis keep betting markets open throughout the year. The top offshore sites use bank-level encryption, payment verification protocols, and identity checks for withdrawals. That includes reloads, cashback, and promos tied to major sporting events, not just one-and-done bonuses. https://uk.cane-recruitment.com/companies/payid-casinos-australia-2026-instant-withdrawal-pokies
Dominic Dominic2026-09-27 04:50
Any online casino with PayID on our list features other banking options. If you’re being asked to transfer money via PayID to play or claim winnings on these sites, it’s a scam. We have found that they are always ready to provide support and help resolve any issues. In addition, PayID has a helpful website that includes a comprehensive FAQ section. https://jandlfabricating.com/employer/payid-pokies-australia-2026-5-top-payid-pokies-sites-for-real-money
Maxie Maxie2026-09-27 10:57
In most cases, funds appear within 30 minutes to one hour, depending on the casino’s internal processing time. These include real-time deposit limit controls (daily, weekly, and monthly caps), session time reminders, cool-off periods ranging from 24 hours to 6 months, and permanent self-exclusion options. Operators that advertise instant PayID withdrawals typically mean they process and initiate the PayID payment within minutes rather than hours — not that your bank account balance updates the moment you click "withdraw." While PayID itself operates 24/7, casino compliance teams that manually approve withdrawal requests typically work standard business hours. https://realestate.kctech.com.np/profile/mindahedges446
Alva Alva2026-09-28 07:39
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Becky Becky2026-09-28 13:30
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Rafael Rafael2026-09-28 17:38
When it comes to signaling, in handheld blackjack games you ask for a hit by lightly scratching the corner of the cards next to your bet. Also, to avoid confusion, the casino allows only one person per color, so if you need to buy chips for your significant other, you’ll need to get them a separate color. They support Australian-friendly payment methods such as PayID, along with cryptocurrency for more discreet transactions and faster access to your funds. When you deposit at any best australian online casino payid platform, the NPP processes your transaction in real-time, typically within 3–8 seconds. As PayID transactions are easy to verify, casinos may view you as a legitimate high-value player, reducing delays when issuing VIP upgrades. Encryption is a process that ensures your transactions are safe, and that they are encrypted before being transmitted over the casino servers. If you are playing at a casino with reputable providers such as Play’n GO, NetEnt and Microgaming, fairness comes hand in hand. https://jobtime.bg/employer/best-payid-casinos-in-australia-for-2026-play-payid-pokies
Gidget Gidget2026-09-28 22:17
There are several websites that allow Aussies to play some of the most popular online pokies without the need to create an account or make any kind of deposit. This include titles like Bloodsuckers, where the RTP goes way over the 96% average line. With that set, some of the best online casinos with PayID will generally ensure they have games that offer not only excitement but also great chances of winning. It’s also a good idea to ensure they have two separate wallets, one for bonus funds and one for your real cash, before you make a deposit. So you get to jump straight into your favourite titles on the platform. PayID casino bonuses may also include tournaments and other promotions. Reload bonuses are designed to help give existing players a chance to gain access to promotions that are similar to the deposit bonus they claimed when they started out on the platform. https://sibze.ru/index.php?subaction=userinfo&user=earshade17
Kelvin Kelvin2026-09-28 23:06
You pick PayID at the cashier, punch in your deposit amount, confirm everything in your online banking app, and that’s it. These bonuses are reserved for those Aussies who prefer to start out with bigger stakes. A smooth registration sets you up for responsible, relaxed gambling online and just a better experience all around. Look for clear controls, easy-to-find transaction history, and fast support access. If casino sites start asking for extra stuff, that’s a red flag. Only Aussie casinos with fast payments, fair bonuses, and reliable games make my list. I check mobile experience, cashier options, and whether limits make sense for Aussie players. https://greecestudies.site/wiki/Fightful_WWE_News_AEW_News_Pro_Wrestling_Backstage_News
Stephen Stephen2026-09-29 00:09
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Erlinda Erlinda2026-09-29 00:49
When you’re looking for some entertainment at casino sites, the last thing you want is to get bogged down on admin for payments. So, if you’ve got an account with a major Australian bank, you’re probably covered with PlayID. There are plenty of the newer digital financial institutions that also support it, including Up, ING, and Bendigo Bank. It’s fast, secure, and you don’t need to muck about with credit cards or middlemen. Below, you have instant access to the best online casinos with PayID, as well as a complete gambling guide on this Aussie banking option. This trusted local payment method is perfect for playing your favorite online pokies for real money. https://pbase.com/sodajohn7/
Lloyd Lloyd2026-09-29 01:23
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Taylah Taylah2026-09-29 03:31
Ladbrokes and Neds also provide strong cricket coverage with competitive odds on match winner, top batsman, top bowler and innings runs. For cricket betting — including BBL, international Tests and ODIs — bet365 offers the deepest markets and best live streaming coverage. Ladbrokes leads with their Infohub data tools and same-game multi builder, while Palmerbet runs exclusive AFL promotions throughout the season. AFL is the most popular sport for betting in Australia, and most bookmakers offer deep coverage of every round. Due to Australian advertising regulations, promotions are only visible once you’ve logged in as a customer. The best betting apps combine fast load times, stable performance, live streaming and easy bet placement. https://xbymw.com/space-uid-1307326.html
Arlene Arlene2026-09-29 03:42
Players reacted to losses immediately, adjusted stakes faster, and left when necessary—less chasing, more conscious decisions. Instant deposits encouraged experimentation, revealing volatility faster than cards ever could. Sites that encouraged transactions to be paired with moderate minimum deposits saw players testing multiple games rather than committing large sums immediately. Most players access Australian online casinos via mobile and banking app. Some platforms processed in minutes, while others introduced unnecessary delays. We tested instant PayID withdrawal casino Australia real money claims on multiple platforms. https://bridgedesign.space/wiki/Trustly_Casinos_UK_2026_Best_Casinos_That_Accept_Trustly
Hung Hung2026-09-29 06:43
The casino receives confirmation almost instantly and credits your balance in real time. When a PayID withdrawal does go through, the speed is fine - the NPP settles in real time, so once the operator sends the money it lands within minutes. The NPP moves the money almost instantly on the banking side; the operator's processor adds a verification step that is usually 5 to 20 minutes, and a little longer on weekends. Commissions do not affect our testing or scores — see our editorial policy. Payments are confirmed in real time, reducing errors and interception risks. This makes a $10 PayID casino real money ideal for testing new platforms, exploring games, or stretching a limited bankroll without committing large amounts upfront. A well-chosen offer can stretch your starting bankroll and unlock extra value early on. http://www.pshunv.com/space-uid-973682.html
Jerry Jerry2026-09-29 07:15
Once it’s been successfully released, you’ll need to create your PayID using ANZ Internet Banking or the ANZ App. You’ll need to request a transfer from your other financial institution before you can create it with ANZ. You can quickly see all your PayIDs – whether active, pending registration or in the process of being transferred to ANZ. You can transfer your PayID to a different account within ANZ or from another financial institution in ANZ Internet Banking. You can set up a PayID using your ACN or ABN, in addition to a PayID attached to your mobile or email address. https://dailybeacon.space/item/google-pay-casinos-online-best-gpay-casino-sites-of-2026
Bernd Bernd2026-09-29 10:39
Once a PayID withdrawal casino request is approved and released, Pay ID transfers typically complete in seconds or at most a few minutes. The first window is casino approval time — how long the operator spends running its own KYC, wagering, and fraud checks before it releases the funds. In practice, online casino PayID withdrawal requests split into two distinct time windows, and understanding the difference between them is the most important thing any player can know before choosing among aussie PayID casinos based on speed claims. A good habit for any player evaluating casinos with PayID is to confirm the operator licence and terms before the first Pay ID deposit rather than discovering gaps after a win triggers an extended review. Crypto can still win on raw payout speed for large amounts, and Neosurf or cards can fill niche use cases, but if you want a method that works smoothly with local banks and keeps both deposits and PayID withdrawal casino behaviour predictable, Pay ID is the most reliable default choice across aussie PayID casinos in 2026. Debit cards are familiar and will remain many Australian players’ first instinct when they encounter payid online casinos for the first time, but they are not the ideal tool for modern online casino PayID withdrawal or deposit activity. For players comparing payid withdrawal casino options or looking for two‑way, fast banking at aussie PayID casinos, Pay ID is materially better than vouchers in almost every respect. https://peatix.com/user/30628419/view
Analisa Analisa2026-09-29 11:32
Whether you prefer the streamlined efficiency of a dedicated application or the instant accessibility of a web browser, the transition from desktop to handheld is entirely frictionless. Modern platforms are built with a "mobile-first" philosophy, ensuring that high-definition visuals and complex game mechanics translate perfectly to smaller touchscreens without any loss in performance. In 2026, the ability to access top-tier gaming on the go has become a non-negotiable standard for every serious participant. This extensive selection ensures that every type of Australian player, from the casual hobbyist to the strategic high roller, can find a specialised lobby that suits their betting style. https://iskustva.net/user/liquidicon3
Geoffrey Geoffrey2026-09-29 12:08
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왜 사회적 자본이 대한민국 위기극복 출발점이어야 할까요
한국사회적자본연구소 대표 이인재
나는 사회적 자본이라는 개념에 처음 관심을 갖게 된 것이 1990년대 중반이었다. 당시 미국 USC에서 박사논문을 준비하며 공유재 이용과 관리 문제에 대한 연구를 하던 중, 주류 경제학에서는 개인이 정부의 개입 없이 공유재의 비극에서 벗어나기 어렵다는 관점이 지배적이었다. 하지만 신제도주의 경제학에서는 정부 개입 없이도 공동체의 자율적인 협력을 통해 공공재를 성공적으로 관리할 수 있다는 주장이 떠오르고 있었다. 특히, 엘리너 오스트롬의 연구는 나에게 큰 영향을 주었다.
이 연구를 토대로 나는 1997년부터 본격적으로 우리 사회에서 사회적 자본이 어떻게 작동하는지를 탐구하기 시작했다. 대도시의 아파트 단지에서 공공녹지를 유지·관리하는 방식을 분석하면서, 단순히 소득 수준이 높거나 아파트 가격이 비싸다고 해서 공유재 관리가 잘되는 것이 아니라, 오히려 공동체 구성원 간의 신뢰와 호혜성, 그리고 네트워크 같은 사회적 자본이 높은 곳에서 더 효과적인 유지·관리가 이루어진다는 사실을 발견했다.
이런 연구를 하다 보니 자연스럽게 우리 사회가 압축 성장으로 경제 발전을 이루었음에도 불구하고, 왜 아직도 ‘진정한 선진국’이라는 느낌이 부족한지에 대한 고민이 깊어졌다. 국민소득만으로 선진국을 정의할 수는 없었다. 결국 시민의식, 상호 배려, 신뢰 같은 무형의 사회적 자본이 부족한 것이 아닐까 하는 생각에 이르렀다.
1998년 박사학위를 취득한 후, 사회적 자본을 현실에 적용할 방법을 고민하던 중 한 지역의 도지사 겸 대통령 경제고문을 만나게 되었고, 그 과정에서 선진 한국을 위한 개혁안을 논의하는 기회를 가졌다. 2002년에는 ‘공천권을 국민에게’, ‘검찰 중립화’, ‘한국형 시민공동체 육성’ 등 사회적 자본을 기반으로 한 정책적 대안을 제시하는 저서를 공동 집필하기도 했다.
이후에도 사회적 자본에 대한 관심은 지속되었다. 2014년에는 ‘나는 공무원이 되고 싶다’를 출간했고, 개인 블로그를 통해 꾸준히 사회적 자본에 대한 글을 올렸다. 서울신문의 ‘옴부즈맨 칼럼’에서도 신뢰와 사회적 자본, 지역공동체의 역할, 메르스 사태 속 시민의식을 다루며 사회적 자본의 중요성을 알렸다. 2022년에는 고려대학교 CEO과정에서 공동 저자로 참여해 ‘사회적 자본과 자기 신뢰’에 대해 이야기했다.
그렇게 30년 가까이 사회적 자본에 대한 연구와 실천을 이어오면서, 2021년 5월 한국지방재정공제회 이사장으로 부임하게 되었다. 사회적 자본이 지방재정과 어떻게 연결될 수 있을지 고민하던 끝에 ‘지방재정과 사회적 자본 포럼’을 창설했고, 이를 2년 넘게 운영하며 정책적 논의를 발전시켜왔다. 특히, 하버드대 명예 교수인 로버트 퍼트남의 연구를 기반으로 지방정부 성과 차이를 분석하며, 지난해에는 그를 초청해 국제컨퍼런스를 성공적으로 개최하기도 했다.
우리 사회는 인구 감소와 지방 소멸이라는 거대한 도전에 직면해 있다. 지방재정을 건강하게 유지하기 위해서는 단순한 경제적 가치만이 아니라 사회적 자본이라는 무형의 자산이 반드시 필요하다고 생각한다. 이러한 고민을 담아 2022년 ‘지방재정과 사회적 자본’ 1권을 발간했고, 사회적 자본의 측정과 활용을 다룬 2권도 출간했다. 내년에는 3권을 준비하며 더 깊은 논의를 이어갈 계획이다.
또한, 퇴임 후에는 ‘한국 사회적 자본 포럼’을 설립해 보다 체계적으로 연구를 이어가고자 한다. 하버드대나 옥스포드대에서 연구 과정을 거치며 더 넓은 시각에서 사회적 자본을 바라볼 기회도 가질 계획이다.
이제 와 돌아보면, 내가 사회적 자본을 탐구하고 고민한 시간은 결코 짧지 않았다. 우리나라에서 이 분야를 이렇게 오랫동안 연구하고 공직자로서 고민해 온 사람이 또 있을까 싶다. 나는 여전히 신념을 가지고 있다. 세대 간, 지역 간, 계급 간, 소득 간 격차와 갈등을 해결하는 근본적인 해법은 결국 ‘사회적 자본’에 있다고 믿는다. 그리고 나는 앞으로도 그 해법을 찾고, 실천하고, 알리는 일을 계속해 나갈 것이다.
위 칼럼은 아래 원본을 챗지피티로 칼럼 문체로 바꾼 버전
□ 사회적 자본, 대한민국 위기 극복을 위한 보완책
◇ “대한민국 사회적 자본의 전도사”. 행정안전부 기획조정실장 등을 역임하고, 현재는 한국지방재정공제회 이사장을 맡고 있는 이인재(61) 이사장의 또 다른 별명이다.
◇ 그의 『사회적 자본』에 대한 관심은 1990년대 중반 미국 USC에서 박사논문을 쓰면서 시작했다. 당시 주류 신고전주의 경제학에서는 공유재 이용과 관리의 문제가 합리적인 개인은 정부의 도움없이는 공유재의 비극(Tragedy of the commons)에서 벗어날 수 없다는 것이었고, 이것이 대표적인 시장실패로 간주되어 정부의 개입을 정당화하는 논리였다. 그러나 이와는 달리 엘리너 오스트롬(Elinor Ostrom, 2009년 노벨경제학상)으로 대표되는 신제도주의 경제학(New institutional economics)에서는 정부의 개입이 아닌 공동체의 자치(self governing)에 의해 충분히 공공재의 성공적 관리가 가능하다는 주장이 대두되었다.
◇ 그는 이러한 결과를 토대로 1997년 대도시의 아파트 공공녹지를 유지ㆍ관리함에 있어 어떤 경우에 보다 효율적으로 관리되는지에 대한 궁금증을 시작으로 본격적인 연구를 시작하게 되었다.
◇ 소득 수준이 높을수록, 아파트 가격이 높을수록, 아파트 단지 구성원이 많을수록 그리고 공유재인 녹지의 규모가 클수록 관리가 잘 될 것이라는 예측과 달리 공동체 구성원의 상호 신뢰, 서로 규칙을 잘 지킬 것이라는 호혜성 규범, 네트워크 등 이른바 사회적 자본이 크게 축적되어 있는 아파트 단지일수록 공유재의 유지ㆍ관리가 더 성공적이었다는 결론이 도출되었다.
◇ “우리나라가 지난 수십 년간 압축성장을 통한 눈부신 경제발전을 이뤄냈음에도 왜 진정한 선진국으로서의 모습에는 부족하다는 인상을 받고 있을까?”를 고민하면서 혹시 시민의식 또는 상호 간의 배려 등 무형의 사회적 자본이 부족해서는 아닐까라는 생각을 해왔다. 즉, 오늘날 선진국의 기준이 단순히 국민소득으로만 결정되는 것이 아님을 깨달았다.
◇ 특히, 동서간 지역갈등, 소득의 양극화로 인한 빈부격차 그리고 진영간의 갈등 등 양극화된 우리나라의 사회적 통합을 이루고 진정한 선진국으로 나아가기 위해서는 외형의 물질적 자본이 아닌 무형의 사회적 자본이 바탕이 되어야 함을 다시 한번 알 수 있었다.
◇ 1998년 박사학위를 취득한 이후 사회적 자본의 현실 적용 방법을 찾던 중 당시 모 지역 도지사 겸 대통령 경제고문을 만나면서 보다 구체화하는 계기가 되었다. 특히, 선진 한국 건설을 위한 10가지 실천적 대안을 출간하는 과정에 사회적 자본의 시각에서 보는 대한민국의 개혁안을 제시함에 있어 저자와 토론하고, 비판하며 결정적인 조언을 하는 등 주요한 역할을 했다.
◇ 무려 20여년 전인 2002년 동 저서 발간 당시 실천적 대안에는 ①공천권을 국민에게 ②국가 권력의 분산 ③검찰 중립의 제도화 등의 내용이 포함되어 있으며, 사회적 자본과 직접적으로 연계되는 ⑧NGO의 역할과 작은 신뢰 쌓기 운동 ⑨한국형 시민공동체의 육성 ⑩아동ㆍ청소년기의 가치 교육 등 2023년 현재 상황에도 아주 중요하게 실천되고 있는 여러 가지 대안을 제시하고 있어 그 의미가 더욱 크다.
◇ 이후에도 2014년 “나는 공무원이 되고싶다(책비 출판사).”라는 저서 뿐만 아니라 개인이 운영하는 블로그에서도 그의 사회적 자본에 대한 관심과 사랑을 확인할 수 있다. 특히, 2015년까지 서울신문을 통해 약 2년에 걸쳐 기고한 『옴부즈맨 칼럼』에서도 “신뢰와 사회적 자본”, “지역공동체는 경제성장과 국민행복의 새로운 동력”, “메르스와 시민의식” 등 사회적 자본의 끈을 놓지 않고 계속해서 이어오고 있었다.
◇ 최근인 2022년에는 고려대학교 CEO과정인 “고려대 명강사 최고위과정 명강사 25시, 작은 이야기 큰 이야기”에서도 공동 저자로 참여하여 『사회적 자본과 자기 신뢰』를 주제로 공동체에 사회적 자본의 축적이 왜 필요한지를 중요하게 언급하고 있다. 특히, 가짜뉴스가 판치는 현실에서 중심을 잃지 않으려면 “자기 신뢰”가 있어야 하며, 공동체 사회에서 국가 사회로, 국가 사회에서 지구촌 사회로 확대해 나아갈 때 지속가능한 행복과 번영의 중심에는 사회적 신뢰가 바탕이 되어야 함을 강조하고 있다.
◇ 이처럼 그는 1990년대 중반부터 지금까지 약 30년에 걸쳐 사회적 자본에 대한 애정과 필요성에 대한 간절함으로 끊임없이 전도사 역할을 해오고 있다.
◇ 2021년 5월 국내 유일의 지방재정 전문기관인 한국지방재정공제회에 새로 부임하였고, 해당 분야에 적용 가능한 사회적 자본을 고민하며 시작한 “지방재정과 사회적 자본 포럼”을 2년이 지난 지금까지도 계속 운영하고 있다.
◇ 포럼 초기에는 하버드대 명예 교수이신 로버트 퍼트남(Putnam) 교수가 이탈리아 지방자치 실시 이후 지방정부간에 보여준 정부성과의 차이를 사회적 자본으로 풀어낸 논리를 바탕으로 다양한 정의와 미시적, 거시적 그리고 정치ㆍ경제ㆍ사회적 접근방식을 전반적으로 살펴보는 계기로 삼았고, 특히, 지난해 말에는 퍼트남 교수를 초청하여 “제1회 지방재정 국제컨퍼런스 트리엔날레”를 성공적으로 개최하며 기존의 제도적 틀로서는 풀어낼 수 없는 각종 사회적 문제 해결에 대한 가능성을 사회적 자본에서 찾는 정책함의에 공감하는 기회를 갖기도 하였다.
◇ 우리나라는 현재 인구감소와 지방소멸 위기라는 엄중한 상황에 놓여있다. 지방재정의 건전성을 갖고 발전하기 위해서는 경제적 실물가치인 돈이 아니라 돈보다 더 중요한 사회적 자본이 근저에 깔려 있어야 한다는 소신을 바탕으로 정책난제에 대한 사회적 자본 접근, 정부 간 재정관계에 있어서의 개념정의 등 총론을 담은 제1권(2022년 2월 발간)에 이어 자본의 형성과 확충 정도를 측정하기 위한 지표와 구성 요소를 담은 제2권인 “지방재정과 사회적 자본 : 측정과 활용”을 출간하여 실제 정책과 시책으로 활용되기를 바라는 그의 마음이 묻어났다.
◇ 대한민국 사회적 자본의 전도사로서 관련 분야 강의도 지속적으로 하고 있다. 2021년 6월에는 지방자치인재개발원의 사무관 승진 대상자 500여명을 대상으로 특강을 했고, 같은 해 7월 제3회 대한민국 의회 행정 박람회(부산)에서도 우리 시대에 필요한 공무원의 역할을 사회적 자본의 논리로 풀어냈으며, 올해 4월 27일에는 동아대 사회대 학생들 200여명을 대상으로도 특강을 실시한 바 있다.
◇ 사회적 자본에 대한 끊임없는 사랑은 한국지방재정공제회 이사장으로서의 임기 1년을 남기고 차근차근 준비할 계획으로 있다. 여전히 포럼 운영은 활발하게 운영되고 있어 내년 이맘때는 제3권으로 다시 한번 깊은 논의를 하고자 한다.
◇ 아울러 이인재 이사장은 “한국 사회적 자본 포럼(가칭)”을 설립하여 전도사로서의 길을 꾸준히 이어갈 계획도 갖고 있다. 이를 위해 공제회 퇴직 이후에는 하버드대, 옥스포드대 등 Visiting Scholar 과정을 통해서 보다 심도깊은 연구를 끊임없이 계획하고 있어 그의 진심이 느껴진다.
◇ 아마도 우리나라의 실정을 정확하게 파악하고 있는 학자들 혹은 공직자 가운데 사회적 자본에 대한 고민을 그보다 오랜기간, 심도있게 한 사람이 또 있을까 싶다.
◇ 대한민국을 진심으로 걱정하는 공직자로서, 또한 관련 분야를 오래 연구한 학자로서 앞서 언급한 세대간, 지역간, 계급간, 소득간 다양한 격차와 갈등을 해결할 방법은 결국 무형의 자산인 사회적 자본임을 누구보다 강조하고 있다.