말하다(mal-ha-da, malhada)
To speak or say, used generally for oneself or peers
When to use
casual conversation, expressing own opinion, talking with friends
The nuance
말하다 is used in everyday, informal, or neutral contexts. It expresses the act of speaking directly, including when talking to someone or about oneself.
말씀하다(mal-sseum-ha-da, malsseumhada)
Honorific form used when a respected or higher-status person speaks
When to use
respecting superior's speech, formal occasions, honoring interlocutor's speech
The nuance
말씀하다 is an honorific verb used to elevate the speech act of a respected or senior person. It must be used politely when referring to the speech of the other person or a superior.