diff --git a/build.gradle b/build.gradle
index 5116db6..e7c93c9 100644
--- a/build.gradle
+++ b/build.gradle
@@ -31,25 +31,28 @@ ext {
 }
 
 dependencies {
-    implementation("com.fasterxml.jackson.module:jackson-module-kotlin")
     implementation 'org.springframework.boot:spring-boot-starter-data-jpa'
     implementation 'org.springframework.boot:spring-boot-starter-validation'
     implementation 'org.springframework.boot:spring-boot-starter-web'
     implementation 'com.fasterxml.jackson.module:jackson-module-kotlin'
     implementation 'org.jetbrains.kotlin:kotlin-reflect'
-//    implementation 'org.springframework.ai:spring-ai-starter-model-openai'
+    implementation 'org.springframework.ai:spring-ai-starter-model-openai'
     compileOnly 'org.projectlombok:lombok'
     annotationProcessor 'org.projectlombok:lombok'
     testImplementation 'org.springframework.boot:spring-boot-starter-test'
     testImplementation 'org.jetbrains.kotlin:kotlin-test-junit5'
     testImplementation("org.mockito.kotlin:mockito-kotlin:5.3.1")
     testRuntimeOnly 'org.junit.platform:junit-platform-launcher'
+
+    // postgresql
     implementation 'org.postgresql:postgresql'
+    implementation 'org.springframework.ai:spring-ai-starter-vector-store-pgvector'
 
+    // test
     testImplementation "org.springframework.boot:spring-boot-testcontainers"
     testImplementation "org.testcontainers:postgresql"
     testImplementation "org.testcontainers:junit-jupiter"
-    testImplementation "com.pgvector:pgvector:0.1.6"
+    testImplementation 'org.springframework.ai:spring-ai-starter-vector-store-pgvector'
 
     // swagger
     implementation 'org.springdoc:springdoc-openapi-starter-webmvc-ui:2.7.0'
@@ -57,9 +60,6 @@ dependencies {
     // s3
     implementation(platform("software.amazon.awssdk:bom:2.25.70"))
     implementation("software.amazon.awssdk:s3")
-
-    // pgvector
-    implementation("com.pgvector:pgvector:0.1.6")
 }
 
 dependencyManagement {
diff --git a/src/main/kotlin/simplerag/ragback/domain/document/service/DataFileService.kt b/src/main/kotlin/simplerag/ragback/domain/document/service/DataFileService.kt
index a2c6197..f45cd31 100644
--- a/src/main/kotlin/simplerag/ragback/domain/document/service/DataFileService.kt
+++ b/src/main/kotlin/simplerag/ragback/domain/document/service/DataFileService.kt
@@ -17,10 +17,10 @@ import simplerag.ragback.domain.document.repository.TagRepository
 import simplerag.ragback.global.error.CustomException
 import simplerag.ragback.global.error.ErrorCode
 import simplerag.ragback.global.error.FileException
-import simplerag.ragback.global.util.S3Type
-import simplerag.ragback.global.util.S3Util
-import simplerag.ragback.global.util.computeMetricsStreaming
-import simplerag.ragback.global.util.resolveContentType
+import simplerag.ragback.global.util.s3.S3Type
+import simplerag.ragback.global.util.s3.S3Util
+import simplerag.ragback.global.util.converter.computeMetricsStreaming
+import simplerag.ragback.global.util.converter.resolveContentType
 import java.util.*
 
 @Service
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexRequestDTO.kt b/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexRequestDTO.kt
index 568c8bf..9627d9d 100644
--- a/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexRequestDTO.kt
+++ b/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexRequestDTO.kt
@@ -1,6 +1,7 @@
 package simplerag.ragback.domain.index.dto
 
 import jakarta.validation.constraints.NotBlank
+import jakarta.validation.constraints.NotEmpty
 import jakarta.validation.constraints.Positive
 import jakarta.validation.constraints.PositiveOrZero
 import org.hibernate.validator.constraints.Length
@@ -8,6 +9,10 @@ import simplerag.ragback.domain.index.entity.enums.EmbeddingModel
 import simplerag.ragback.domain.index.entity.enums.SimilarityMetric
 
 data class IndexCreateRequest(
+
+    @field:NotEmpty
+    val dataFileId: List<Long>,
+
     @field:Length(max = 255)
     @field:NotBlank
     val snapshotName: String,
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexResponseDTO.kt b/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexResponseDTO.kt
index 6d526f6..112548a 100644
--- a/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexResponseDTO.kt
+++ b/src/main/kotlin/simplerag/ragback/domain/index/dto/IndexResponseDTO.kt
@@ -19,7 +19,7 @@ data class IndexPreviewResponseList(
 
 data class IndexPreviewResponse(
     var indexId: Long?,
-    val snapshotName: String
+    val snapshotName: String,
 ) {
     companion object {
         fun toIndexPreviewResponse(index: Index): IndexPreviewResponse {
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/embed/Embedder.kt b/src/main/kotlin/simplerag/ragback/domain/index/embed/Embedder.kt
new file mode 100644
index 0000000..9c4fd1d
--- /dev/null
+++ b/src/main/kotlin/simplerag/ragback/domain/index/embed/Embedder.kt
@@ -0,0 +1,6 @@
+package simplerag.ragback.domain.index.embed
+
+interface Embedder {
+    val dim: Int
+    fun embed(text: String): FloatArray
+}
\ No newline at end of file
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/embed/OpenAIEmbbeder.kt b/src/main/kotlin/simplerag/ragback/domain/index/embed/OpenAIEmbbeder.kt
new file mode 100644
index 0000000..30046d6
--- /dev/null
+++ b/src/main/kotlin/simplerag/ragback/domain/index/embed/OpenAIEmbbeder.kt
@@ -0,0 +1,13 @@
+package simplerag.ragback.domain.index.embed
+
+import org.springframework.ai.openai.OpenAiEmbeddingModel
+import org.springframework.stereotype.Component
+
+@Component
+class OpenAIEmbedder(
+    private val openAiEmbeddingModel: OpenAiEmbeddingModel
+) : Embedder {
+    override val dim: Int = 1536
+    override fun embed(text: String): FloatArray =
+        openAiEmbeddingModel.embed(text)
+}
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/entity/ChunkEmbedding.kt b/src/main/kotlin/simplerag/ragback/domain/index/entity/ChunkEmbedding.kt
index 464f227..0c49a9f 100644
--- a/src/main/kotlin/simplerag/ragback/domain/index/entity/ChunkEmbedding.kt
+++ b/src/main/kotlin/simplerag/ragback/domain/index/entity/ChunkEmbedding.kt
@@ -1,6 +1,5 @@
 package simplerag.ragback.domain.index.entity
 
-import com.pgvector.PGvector
 import jakarta.persistence.*
 import simplerag.ragback.global.entity.BaseEntity
 
@@ -9,12 +8,11 @@ import simplerag.ragback.global.entity.BaseEntity
 @Table(name = "chunk_embeddings")
 class ChunkEmbedding(
 
-    @Column(name = "content", nullable = false)
-    @Lob
+    @Column(name = "content", nullable = false, columnDefinition = "text")
     val content: String,
 
-    @Column(name = "embedding", columnDefinition = "vector")
-    var embedding: PGvector,
+    @Column(name = "embedding", columnDefinition = "vector(1536)", nullable = false)
+    var embedding: FloatArray,
 
     @Column(name = "embedding_dim", nullable = false)
     val embeddingDim: Int,
diff --git a/src/main/kotlin/simplerag/ragback/domain/index/service/IndexService.kt b/src/main/kotlin/simplerag/ragback/domain/index/service/IndexService.kt
index 6cf2983..e5971b5 100644
--- a/src/main/kotlin/simplerag/ragback/domain/index/service/IndexService.kt
+++ b/src/main/kotlin/simplerag/ragback/domain/index/service/IndexService.kt
@@ -3,24 +3,61 @@ package simplerag.ragback.domain.index.service
 import org.springframework.data.repository.findByIdOrNull
 import org.springframework.stereotype.Service
 import org.springframework.transaction.annotation.Transactional
+import simplerag.ragback.domain.document.entity.DataFile
+import simplerag.ragback.domain.document.repository.DataFileRepository
 import simplerag.ragback.domain.index.dto.*
+import simplerag.ragback.domain.index.embed.Embedder
+import simplerag.ragback.domain.index.entity.ChunkEmbedding
 import simplerag.ragback.domain.index.entity.Index
 import simplerag.ragback.domain.index.repository.IndexRepository
+import simplerag.ragback.global.error.CustomException
 import simplerag.ragback.global.error.ErrorCode
 import simplerag.ragback.global.error.IndexException
+import simplerag.ragback.global.util.loader.ContentLoader
+import simplerag.ragback.global.util.TextChunker
 
 @Service
 class IndexService(
     private val indexRepository: IndexRepository,
+    private val embedder: Embedder,
+    private val dataFileRepository: DataFileRepository,
+    private val contentLoader: ContentLoader,
 ) {
 
     @Transactional
-    fun createIndex(indexCreateRequest: IndexCreateRequest): IndexPreviewResponse {
+    fun createIndex(req: IndexCreateRequest): IndexPreviewResponse {
+        validateOverlap(req.overlapSize, req.chunkingSize)
+
+        val files: List<DataFile> = dataFileRepository.findAllById(req.dataFileId)
+        if (files.size != req.dataFileId.size) {
+            throw CustomException(ErrorCode.NOT_FOUND, "Some dataFileIds not found")
+        }
+
+        if (embedder.dim != req.embeddingModel.dim) {
+            throw CustomException(ErrorCode.INVALID_INPUT, "Embedding dim mismatch: model=${req.embeddingModel.dim}, embedder=${embedder.dim}")
+        }
+        val index = indexRepository.save(Index.toIndex(req))
+
+        for (file in files) {
+            val url = file.fileUrl
+            val content = contentLoader.load(url)
+            println(content)
+            if (content.isBlank()) continue
+
+            val chunks = TextChunker.chunkByCharsSeq(content, req.chunkingSize, req.overlapSize)
+            for (chunk in chunks) {
+                val vec  = embedder.embed(chunk)
+                val entity = ChunkEmbedding(
+                    content = chunk,
+                    embedding = vec,
+                    embeddingDim = embedder.dim,
+                    index = index
+                )
+                index.chunkEmbeddings.add(entity)
+            }
+        }
 
-        validateOverlap(indexCreateRequest.overlapSize, indexCreateRequest.chunkingSize)
-
-        val createdIndex = indexRepository.save(Index.toIndex(indexCreateRequest))
-        return IndexPreviewResponse.toIndexPreviewResponse(createdIndex)
+        return IndexPreviewResponse.toIndexPreviewResponse(index)
     }
 
     @Transactional(readOnly = true)
diff --git a/src/main/kotlin/simplerag/ragback/global/storage/FakeS3Util.kt b/src/main/kotlin/simplerag/ragback/global/storage/FakeS3Util.kt
index 7256546..ba3db6f 100644
--- a/src/main/kotlin/simplerag/ragback/global/storage/FakeS3Util.kt
+++ b/src/main/kotlin/simplerag/ragback/global/storage/FakeS3Util.kt
@@ -4,9 +4,9 @@ import org.springframework.context.annotation.Primary
 import org.springframework.context.annotation.Profile
 import org.springframework.stereotype.Component
 import org.springframework.web.multipart.MultipartFile
-import simplerag.ragback.global.util.S3Type
-import simplerag.ragback.global.util.S3Util
-import simplerag.ragback.global.util.sha256Hex
+import simplerag.ragback.global.util.s3.S3Type
+import simplerag.ragback.global.util.s3.S3Util
+import simplerag.ragback.global.util.converter.sha256Hex
 import java.util.concurrent.ConcurrentHashMap
 
 @Component
diff --git a/src/main/kotlin/simplerag/ragback/global/util/TextChunker.kt b/src/main/kotlin/simplerag/ragback/global/util/TextChunker.kt
new file mode 100644
index 0000000..bd34770
--- /dev/null
+++ b/src/main/kotlin/simplerag/ragback/global/util/TextChunker.kt
@@ -0,0 +1,27 @@
+package simplerag.ragback.global.util
+
+object TextChunker {
+    fun chunkByCharsSeq(raw: String, size: Int, overlap: Int): Sequence<String> = sequence {
+        require(size >= 1) { "chunk size must be >= 1" }
+        require(overlap in 0 until size) { "overlap must be 0..size-1" }
+
+        val text = normalize(raw)
+        if (text.isBlank()) return@sequence
+        if (text.length <= size) { yield(text); return@sequence }
+
+        val step = size - overlap
+        var start = 0
+        while (start < text.length) {
+            val end = (start + size).coerceAtMost(text.length)
+            yield(text.substring(start, end))
+            if (end == text.length) break
+            start += step
+        }
+    }
+
+    private fun normalize(s: String): String =
+        s.replace("\r\n", "\n").replace("\r", "\n")
+            .replace(Regex("[ \t]+"), " ")
+            .replace(Regex("\\n{3,}"), "\n\n")
+            .trim()
+}
diff --git a/src/main/kotlin/simplerag/ragback/global/util/FileConvertUtil.kt b/src/main/kotlin/simplerag/ragback/global/util/converter/FileConvertUtil.kt
similarity index 97%
rename from src/main/kotlin/simplerag/ragback/global/util/FileConvertUtil.kt
rename to src/main/kotlin/simplerag/ragback/global/util/converter/FileConvertUtil.kt
index ca50c62..2fc19c9 100644
--- a/src/main/kotlin/simplerag/ragback/global/util/FileConvertUtil.kt
+++ b/src/main/kotlin/simplerag/ragback/global/util/converter/FileConvertUtil.kt
@@ -1,4 +1,4 @@
-package simplerag.ragback.global.util
+package simplerag.ragback.global.util.converter
 
 import org.springframework.web.multipart.MultipartFile
 import java.io.BufferedInputStream
diff --git a/src/main/kotlin/simplerag/ragback/global/util/MultipartJackson2HttpMessageConverter.kt b/src/main/kotlin/simplerag/ragback/global/util/converter/MultipartJackson2HttpMessageConverter.kt
similarity index 94%
rename from src/main/kotlin/simplerag/ragback/global/util/MultipartJackson2HttpMessageConverter.kt
rename to src/main/kotlin/simplerag/ragback/global/util/converter/MultipartJackson2HttpMessageConverter.kt
index 9e276dd..cb55937 100644
--- a/src/main/kotlin/simplerag/ragback/global/util/MultipartJackson2HttpMessageConverter.kt
+++ b/src/main/kotlin/simplerag/ragback/global/util/converter/MultipartJackson2HttpMessageConverter.kt
@@ -1,4 +1,4 @@
-package simplerag.ragback.global.util
+package simplerag.ragback.global.util.converter
 
 import com.fasterxml.jackson.databind.ObjectMapper
 import org.springframework.http.MediaType
diff --git a/src/main/kotlin/simplerag/ragback/global/util/loader/ContentLoader.kt b/src/main/kotlin/simplerag/ragback/global/util/loader/ContentLoader.kt
new file mode 100644
index 0000000..743d96a
--- /dev/null
+++ b/src/main/kotlin/simplerag/ragback/global/util/loader/ContentLoader.kt
@@ -0,0 +1,6 @@
+package simplerag.ragback.global.util.loader
+
+
+interface ContentLoader {
+    fun load(url: String): String
+}
\ No newline at end of file
diff --git a/src/main/kotlin/simplerag/ragback/global/util/loader/HttpContentLoader.kt b/src/main/kotlin/simplerag/ragback/global/util/loader/HttpContentLoader.kt
new file mode 100644
index 0000000..71da76c
--- /dev/null
+++ b/src/main/kotlin/simplerag/ragback/global/util/loader/HttpContentLoader.kt
@@ -0,0 +1,21 @@
+package simplerag.ragback.global.util.loader
+
+import org.springframework.http.converter.StringHttpMessageConverter
+import org.springframework.stereotype.Component
+import org.springframework.web.client.RestTemplate
+import java.nio.charset.StandardCharsets
+
+@Component
+class HttpContentLoader : ContentLoader {
+
+    private val restTemplate: RestTemplate = RestTemplate().apply {
+        // 기존 String 컨버터 제거 후 UTF-8 컨버터를 맨 앞에 추가
+        val replaced = messageConverters.filterNot { it is StringHttpMessageConverter }.toMutableList()
+        replaced.add(0, StringHttpMessageConverter(StandardCharsets.UTF_8))
+        messageConverters = replaced
+    }
+
+    override fun load(url: String): String {
+        return restTemplate.getForObject(url, String::class.java) ?: ""
+    }
+}
\ No newline at end of file
diff --git a/src/main/kotlin/simplerag/ragback/global/util/S3Type.kt b/src/main/kotlin/simplerag/ragback/global/util/s3/S3Type.kt
similarity index 66%
rename from src/main/kotlin/simplerag/ragback/global/util/S3Type.kt
rename to src/main/kotlin/simplerag/ragback/global/util/s3/S3Type.kt
index f7136a3..2cbb9bd 100644
--- a/src/main/kotlin/simplerag/ragback/global/util/S3Type.kt
+++ b/src/main/kotlin/simplerag/ragback/global/util/s3/S3Type.kt
@@ -1,4 +1,4 @@
-package simplerag.ragback.global.util
+package simplerag.ragback.global.util.s3
 
 
 enum class S3Type(
diff --git a/src/main/kotlin/simplerag/ragback/global/util/S3Util.kt b/src/main/kotlin/simplerag/ragback/global/util/s3/S3Util.kt
similarity index 87%
rename from src/main/kotlin/simplerag/ragback/global/util/S3Util.kt
rename to src/main/kotlin/simplerag/ragback/global/util/s3/S3Util.kt
index e1aba27..0c0ebf0 100644
--- a/src/main/kotlin/simplerag/ragback/global/util/S3Util.kt
+++ b/src/main/kotlin/simplerag/ragback/global/util/s3/S3Util.kt
@@ -1,4 +1,4 @@
-package simplerag.ragback.global.util
+package simplerag.ragback.global.util.s3
 
 import org.springframework.web.multipart.MultipartFile
 
diff --git a/src/main/kotlin/simplerag/ragback/global/util/S3UtilImpl.kt b/src/main/kotlin/simplerag/ragback/global/util/s3/S3UtilImpl.kt
similarity index 96%
rename from src/main/kotlin/simplerag/ragback/global/util/S3UtilImpl.kt
rename to src/main/kotlin/simplerag/ragback/global/util/s3/S3UtilImpl.kt
index c657152..49a4fde 100644
--- a/src/main/kotlin/simplerag/ragback/global/util/S3UtilImpl.kt
+++ b/src/main/kotlin/simplerag/ragback/global/util/s3/S3UtilImpl.kt
@@ -1,4 +1,4 @@
-package simplerag.ragback.global.util
+package simplerag.ragback.global.util.s3
 
 import org.slf4j.LoggerFactory
 import org.springframework.context.annotation.Profile
@@ -58,9 +58,7 @@ class S3UtilImpl(
     }
 
     override fun urlFromKey(key: String): String =
-        s3.utilities()
-            .getUrl { it.bucket(bucket).key(key) }
-            .toExternalForm()
+        "https://mukit-s3.s3.ap-northeast-2.amazonaws.com/" + key
 
     override fun deleteByUrl(url: String) {
         val key = keyFromUrl(url) ?: throw S3Exception(ErrorCode.S3_INVALID_URL)
diff --git a/src/main/resources/application-local.yml b/src/main/resources/application-local.yml
index 5019101..89011ba 100644
--- a/src/main/resources/application-local.yml
+++ b/src/main/resources/application-local.yml
@@ -8,6 +8,13 @@ spring:
     hibernate:
       ddl-auto: update
     show-sql: true
+  ai:
+    openai:
+      api-key: ${OPENAI_KEY}
+    model:
+      embedding:
+        options:
+        model: text-embedding-3-small
 
 logging:
   level:
diff --git a/src/test/kotlin/simplerag/ragback/domain/document/service/DataFileServiceTest.kt b/src/test/kotlin/simplerag/ragback/domain/document/service/DataFileServiceTest.kt
index b0482db..8cc7b79 100644
--- a/src/test/kotlin/simplerag/ragback/domain/document/service/DataFileServiceTest.kt
+++ b/src/test/kotlin/simplerag/ragback/domain/document/service/DataFileServiceTest.kt
@@ -2,7 +2,6 @@ package simplerag.ragback.domain.document.service
 
 import org.junit.jupiter.api.AfterEach
 import org.junit.jupiter.api.Assertions.*
-import org.junit.jupiter.api.BeforeEach
 import org.junit.jupiter.api.DisplayName
 import org.junit.jupiter.api.Test
 import org.springframework.beans.factory.annotation.Autowired
@@ -14,7 +13,6 @@ import org.springframework.transaction.annotation.Transactional
 import org.springframework.transaction.support.TransactionTemplate
 import org.springframework.web.multipart.MultipartFile
 import org.testcontainers.containers.PostgreSQLContainer
-import org.testcontainers.junit.jupiter.Container
 import org.testcontainers.utility.DockerImageName
 import simplerag.ragback.domain.document.dto.DataFileBulkCreateRequest
 import simplerag.ragback.domain.document.dto.DataFileCreateItem
@@ -26,18 +24,18 @@ import simplerag.ragback.global.error.CustomException
 import simplerag.ragback.global.error.ErrorCode
 import simplerag.ragback.global.error.FileException
 import simplerag.ragback.global.storage.FakeS3Util
-import simplerag.ragback.global.util.S3Type
-import simplerag.ragback.global.util.sha256Hex
+import simplerag.ragback.global.util.s3.S3Type
+import simplerag.ragback.global.util.converter.sha256Hex
 import java.security.MessageDigest
 
 @SpringBootTest
 @ActiveProfiles("test")
 class DataFileServiceTest(
-    private val dataFileService: DataFileService,
-    private val dataFileRepository: DataFileRepository,
-    private val tagRepository: TagRepository,
-    private val dataFileTagRepository: DataFileTagRepository,
-    private val s3Util: FakeS3Util
+    @Autowired val dataFileService: DataFileService,
+    @Autowired val dataFileRepository: DataFileRepository,
+    @Autowired val tagRepository: TagRepository,
+    @Autowired val dataFileTagRepository: DataFileTagRepository,
+    @Autowired val s3Util: FakeS3Util
 ) {
 
 
diff --git a/src/test/kotlin/simplerag/ragback/domain/index/service/IndexServiceTest.kt b/src/test/kotlin/simplerag/ragback/domain/index/service/IndexServiceTest.kt
index 097603a..3dd32f1 100644
--- a/src/test/kotlin/simplerag/ragback/domain/index/service/IndexServiceTest.kt
+++ b/src/test/kotlin/simplerag/ragback/domain/index/service/IndexServiceTest.kt
@@ -27,8 +27,8 @@ import org.testcontainers.utility.DockerImageName
 @ActiveProfiles("test")
 @TestConstructor(autowireMode = TestConstructor.AutowireMode.ALL)
 class IndexServiceTest(
-    val indexService: IndexService,
-    val indexRepository: IndexRepository,
+    @Autowired val indexService: IndexService,
+    @Autowired val indexRepository: IndexRepository,
 ) {