{"id":124481,"date":"2025-11-05T06:10:39","date_gmt":"2025-11-05T06:10:39","guid":{"rendered":"https:\/\/alj.com\/perspective\/can-tech-strengthen-financial-inclusion\/"},"modified":"2026-02-03T12:34:56","modified_gmt":"2026-02-03T12:34:56","slug":"can-tech-strengthen-financial-inclusion","status":"publish","type":"perspective","link":"https:\/\/alj.com\/ar\/perspective\/can-tech-strengthen-financial-inclusion\/","title":{"rendered":"\u0647\u0644 \u0628\u0648\u0633\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0623\u0646 \u062a\u0639\u0632\u0651\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f"},"content":{"rendered":"<p>\u062a\u062e\u064a\u0651\u0644 \u0623\u0646 \u062a\u064f\u062d\u0631\u064e\u0645 \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636\u060c \u0623\u0648 \u0645\u0646 \u062a\u0633\u062f\u064a\u062f \u0641\u0627\u062a\u0648\u0631\u0629 \u0639\u0644\u0627\u062c 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href=\"https:\/\/alj.com\/en\/perspective\/time-for-action\/\">\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0646\u0627\u062e<\/a><a name=\"_ftnref3\"><\/a> <a href=\"#_ftn3\">[3]<\/a> . \u0648\u062a\u0648\u0627\u062c\u0647 \u0647\u0630\u0647 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u0627\u062a \u0628\u0627\u0644\u0641\u0639\u0644 \u0645\u0633\u062a\u0642\u0628\u0644\u0627\u064b \u063a\u0627\u0645\u0636\u0627\u064b\u060c \u0648\u062a\u0639\u0627\u0646\u064a \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u0648\u0636\u0639 \u062e\u0637\u0637 \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u0645\u062f\u060c \u0625\u0630 \u062a\u064f\u0642\u0648\u0651\u0650\u0636 <a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/weathering-the-storm\/\">\u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629<\/a> \u2013 \u0645\u0646 \u0641\u064a\u0636\u0627\u0646\u0627\u062a\u064d \u0648<a href=\"https:\/\/alj.com\/en\/perspective\/dealing-with-drought\/\">\u062c\u0641\u0627\u0641\u064d<\/a> \u0648<a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/wildfires-and-climate-change-todays-burning-issue\/\">\u0645\u0648\u062c\u0627\u062a \u062d\u0631\u0651<\/a> \u2013 \u0645\u0633\u0627\u0631 \u0646\u0645\u0648\u0647\u0627 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a. \u0648\u0644\u0630\u0627\u060c \u0641\u0625\u0646 <a href=\"https:\/\/alj.com\/en\/energy-and-environmental-services\/energy-overview\/\">\u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0636\u0631\u0627\u0621<\/a>\u060c \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0642\u0627\u0648\u0645\u0629 \u0644\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u060c \u0648\u0627\u0644\u0632\u0631\u0627\u0639\u0629 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629 \u0647\u064a \u0623\u0628\u0631\u0632 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srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Global-account-ownership-v1_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u0648\u0628\u0627\u0644\u0645\u062b\u0644\u060c \u0628\u062f\u0623\u062a \u0627\u0644\u0641\u062c\u0648\u0629 \u0628\u064a\u0646 \u0627\u0644\u062c\u0646\u0633\u064a\u0646 \u0641\u064a \u0627\u0644\u0648\u0635\u0648\u0644 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src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/11\/Smartphone-users-worldside-v1_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u062a\u064f\u0639\u062f\u0651 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\u0627\u0644\u0637\u0627\u0628\u0639 \u0627\u0644\u0631\u0633\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0651\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629. \u062a\u0639\u062a\u0645\u062f &#8220;\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629&#8221; \u0639\u0644\u0649 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u0645\u062b\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u062a\u0639\u0644\u0651\u0645 \u0627\u0644\u0622\u0644\u0629 \u0648\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646\u060c \u0644\u0645\u0633\u0627\u0639\u062f\u0629 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\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629. \u0648\u064a\u0639\u0645\u0644 \u0627\u0644\u0646\u0638\u0627\u0645\u0627\u0646 \u0645\u0639\u0627\u064b \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0644\u062d\u0638\u064a\u0629\u060c \u0645\u0627 \u064a\u062a\u064a\u062d \u0625\u0634\u0631\u0627\u0641\u0627\u064b \u0641\u0648\u0631\u064a\u0627\u064b \u0648\u0634\u0641\u0627\u0641\u0627\u064b \u064a\u064f\u0639\u0632\u0651\u0632 \u0627\u0644\u062b\u0642\u0629 \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u064a\u062f\u0641\u0639 \u0646\u062d\u0648 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0627\u0644\u0645\u064a\u0627\u064b.<\/p>\n<p>\u0648\u0641\u064a \u0645\u0648\u0627\u0632\u0627\u0629 \u0630\u0644\u0643\u060c \u062a\u0646\u062a\u0634\u0631 \u0628\u0633\u0631\u0639\u0629 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0645\u062c (Embedded Finance), \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0628\u0631 \u0645\u0648\u0627\u0642\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u063a\u064a\u0631 \u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0644\u062a\u0648\u0641\u0651\u0631 \u0644\u0623\u064a \u0634\u062e\u0635 \u064a\u0645\u0644\u0643 \u0627\u062a\u0635\u0627\u0644\u0627\u064b \u0628\u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0633\u0631\u0639 \u0648\u0623\u0643\u062b\u0631 \u0645\u0631\u0648\u0646\u0629 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\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u064a\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0628\u0634\u0643\u0644 \u0634\u0628\u0647 \u0641\u0648\u0631\u064a\u060c \u0648\u0623\u0633\u0631\u0639 \u0628\u0643\u062b\u064a\u0631 \u0645\u0646 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u0648\u0642\u062f \u0623\u0635\u0628\u062d\u062a \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0645\u062a\u0627\u062d\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0628\u0645\u062e\u062a\u0644\u0641 \u0634\u0631\u0627\u0626\u062d\u0647\u0645\u060c \u0648\u062a\u0634\u0645\u0644 \u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u2014 \u0633\u0648\u0627\u0621 \u0628\u064a\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0623\u0648 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u2014 \u0645\u062d\u0644\u064a\u0627\u064b \u0623\u0648 \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f. \u0648\u0642\u062f \u0633\u0627\u0639\u062f\u062a \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0645\u062b\u0644 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u0637\u0648\u064a\u0631 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 (<a href=\"https:\/\/www.worldbank.org\/en\/topic\/paymentsystemsremittances\">PSDG<\/a>) \u0623\u0643\u062b\u0631 \u0645\u0646 120 \u062f\u0648\u0644\u0629 \u062d\u062a\u0649 \u0627\u0644\u0622\u0646 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062b \u0628\u0646\u064a\u062a\u0647\u0627 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a\u060c \u0645\u0633\u062a\u0641\u064a\u062f\u0629 \u0645\u0646 \u062a\u062c\u0627\u0631\u0628 \u0646\u0627\u062c\u062d\u0629 \u0645\u062b\u0644 \u0646\u0638\u0627\u0645 <a href=\"https:\/\/www.bcb.gov.br\/en\/financialstability\/pix_en\">Pix<\/a> \u0641\u064a \u0627\u0644\u0628\u0631\u0627\u0632\u064a\u0644 \u0648 <a href=\"https:\/\/www.bccr.fi.cr\/en\/payments-system\/public-services\/sinpe-m%C3%B3vil\">SINPE M\u00f3vil<\/a> \u0641\u064a \u0643\u0648\u0633\u062a\u0627\u0631\u064a\u0643\u0627\u060c \u0627\u0644\u0644\u0630\u064a\u0646 \u0623\u0635\u0628\u062d\u0627 \u0646\u0645\u0648\u0630\u062c\u064a\u0646 \u0631\u0627\u0626\u062f\u064a\u0646 \u0641\u064a \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n<p>\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u064a\u0648\u0627\u0635\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u0623\u062f\u0627\u0621 \u062f\u0648\u0631\u064d \u0645\u062d\u0648\u0631\u064a \u0641\u064a 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\u062e\u0644\u0627\u0644 <a href=\"https:\/\/www.aljfinance.com\/en\/business\/bab-rizq-jameel\">\u0628\u0627\u0628 \u0631\u0632\u0642 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u062a\u0646\u0627\u0647\u064a \u0627\u0644\u0635\u063a\u0631<\/a>\u060c \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0640 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u2013 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u062a\u064f\u0642\u062f\u0651\u064e\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0642\u0631\u0648\u0636\u0627\u064b \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u064a \u0637\u0627\u0644 \u0625\u063a\u0641\u0627\u0644\u0647\u0627\u060c \u062f\u0639\u0645\u0627\u064b \u0644\u0631\u0648\u062d 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\u064a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 10,000 \u0648300,000 \u0631\u064a\u0627\u0644 \u0633\u0639\u0648\u062f\u064a \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0636\u0627\u0645\u0646\u060c \u0639\u0628\u0631 \u0645\u0646\u0635\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u062a\u064f\u0635\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u062e\u0644\u0627\u0644 \u062f\u0642\u0627\u0626\u0642 \u0645\u0639\u062f\u0648\u062f\u0629\u060c \u0641\u064a \u062e\u0637\u0648\u0629 \u062a\u0639\u0643\u0633 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u062c\u0630\u0631\u064a \u0646\u062d\u0648 \u062a\u0645\u0648\u064a\u0644 \u0623\u0633\u0631\u0639\u060c \u0648\u0623\u064a\u0633\u0631\u060c \u0648\u0623\u0643\u062b\u0631 \u0634\u0645\u0648\u0644\u0627\u064b.<\/p>\n<p>\u0648\u062a\u0648\u0627\u0635\u0644 \u0634\u0631\u0643\u0629 \u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a (<a href=\"https:\/\/jimco.com\/en\/\">JIMCO<\/a>) \u0628\u062f\u0648\u0631\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0630\u064a \u064a\u062d\u062a\u0627\u062c\u0648\u0646\u0647 \u0641\u064a \u0627\u0644\u0644\u062d\u0638\u0629 \u0627\u0644\u062a\u064a \u064a\u062d\u062a\u0627\u062c\u0648\u0646\u0647 \u0641\u064a\u0647\u0627\u060c \u0639\u0628\u0631 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\u0631\u0641\u0639 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0648\u0639\u064a \u0648\u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062f\u0649 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0645\u062c\u062a\u0645\u0639\u0627\u062a\u060c \u0648\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0639\u062f\u0627\u0644\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/p>\n<p>\u0648\u064a\u0642\u0648\u0644 <a href=\"https:\/\/alj.com\/en\/our-people\/jaroslav-gaisler\/\">\u064a\u0627\u0631\u0648\u0633\u0644\u0627\u0641 \u062c\u064a\u0632\u0644\u0631<\/a>\u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644:<\/p>\n<figure id=\"attachment_102300\" aria-describedby=\"caption-attachment-102300\" style=\"width: 232px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"wp-image-102300 size-medium\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\" alt=\"Jaroslav Gaisler\" width=\"232\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg 232w, https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-116x150.jpg 116w, https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web.jpg 371w\" sizes=\"(max-width: 232px) 100vw, 232px\" \/><figcaption id=\"caption-attachment-102300\" class=\"wp-caption-text\">\u064a\u0627\u0631\u0648\u0633\u0644\u0627\u0641 \u062c\u064a\u0632\u0644\u0631 \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/figcaption><\/figure>\n<p><em>&#8220;\u0642\u062f \u062a\u0643\u0648\u0646 \u062b\u0645\u0627\u0631 \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0648\u0651\u0644 \u0639\u0645\u064a\u0642\u0629 \u0627\u0644\u0623\u062b\u0631 \u0648\u062f\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644. \u0625\u0646 \u062f\u0645\u062c \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u062f \u0623\u0637\u0644\u0642 \u0627\u0644\u0639\u0646\u0627\u0646 \u0644\u0623\u0641\u0643\u0627\u0631 \u0648\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0628\u062f\u0639\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0638\u0644\u0651\u062a \u0623\u0633\u0648\u0627\u0642\u0647\u0645 \u0645\u0647\u0645\u0651\u0634\u0629 \u0637\u0648\u064a\u0644\u0627\u064b \u0641\u064a \u0638\u0644 \u0647\u064a\u0645\u0646\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a<\/em><em> \u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0651\u0645\u0627\u064b \u0648\u0646\u0636\u062c\u0627\u064b.<\/em><\/p>\n<p>\u0648\u0623\u0636\u0627\u0641:<\/p>\n<p>&#8220;<em>\u0648\u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641\u060c \u0633\u0646\u0643\u0648\u0646 \u062c\u0645\u064a\u0639\u0627\u064b \u0645\u0646 \u0627\u0644\u0631\u0627\u0628\u062d\u064a\u0646 \u0641\u064a \u0639\u0627\u0644\u0645 \u064a\u0633\u0648\u062f\u0647 \u0627\u0644\u0627\u0632\u062f\u0647\u0627\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0643\u0627\u0641\u0626\u0629<\/em>.&#8221;<\/p>\n<h2>\u062d\u0642\u0627\u0626\u0642 \u0633\u0631\u064a\u0639\u0629: \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0639\u0644\u0649 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a<\/h2>\n<p><strong>\u0633: \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0630\u064a\u0646 \u064a\u0641\u062a\u0642\u0631\u0648\u0646 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0633\u0627\u0633\u064a\u0629\u061f<\/strong><\/p>\n<p>\u062c: \u0646\u062d\u0648 1.4 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u2013 \u0623\u064a \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 \u0631\u0628\u0639 \u0633\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u2013 \u0644\u0627 \u064a\u0645\u0644\u0643\u0648\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0644\u0627 \u062d\u062a\u0649 \u0628\u062f\u0627\u0626\u0644 \u0645\u0646\u0627\u0633\u0628\u0629 \u0645\u062b\u0644 \u0627\u0644\u062c\u0645\u0639\u064a\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0629 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0623\u0648 \u0627\u0644\u0627\u062a\u062d\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n<p><strong>\u0633: \u0643\u064a\u0641 \u063a\u064a\u0651\u0631 \u0627\u0646\u062a\u0634\u0627\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/p>\n<p>\u062c: \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2023\u060c \u0628\u0644\u063a \u0639\u062f\u062f \u0645\u0627\u0644\u0643\u064a \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 4.3 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0634\u062e\u0635 (\u0623\u0643\u062b\u0631 \u0645\u0646 \u0646\u0635\u0641 \u0633\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645)\u060c \u0648\u0633\u0627\u0647\u0645\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Fintech) \u0641\u064a \u062a\u0645\u0643\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0644\u0645 \u062a\u0643\u0646 \u0644\u062f\u064a\u0647\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0633\u0627\u0628\u0642\u0627\u064b \u0645\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0627\u0636\u064a.<\/p>\n<p><strong>\u0633: \u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0623\u062b\u0631\u0627\u064b \u0628\u0627\u0644\u0625\u0642\u0635\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/p>\n<p>\u062c: \u064a\u0639\u064a\u0634 \u0646\u062d\u0648 80% \u0645\u0646 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u0627\u0644\u0645\u062d\u0631\u0648\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u062e\u0635\u0648\u0635\u0627\u064b \u0641\u064a \u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u062c\u0646\u0648\u0628 \u0627\u0644\u0635\u062d\u0631\u0627\u0621 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0622\u0633\u064a\u0627\u060c \u0648\u0647\u0645\u0627 \u0645\u0646\u0637\u0642\u062a\u0627\u0646 \u062a\u0648\u0627\u062c\u0647\u0627\u0646 \u0623\u064a\u0636\u0627\u064b \u062a\u062d\u062f\u064a\u0627\u062a \u0643\u0628\u0631\u0649 \u062a\u062a\u0639\u0644\u0642 \u0628\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0646\u0627\u062e.<\/p>\n<p><strong>\u0633: \u0645\u0627 \u0645\u062f\u0649 \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u062d\u0631\u0632 \u0641\u064a \u062e\u0641\u0636 \u0639\u062f\u062f \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0648\u0643\u061f<\/strong><\/p>\n<p>\u062c: \u0627\u0646\u062e\u0641\u0636 \u0639\u062f\u062f \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0645\u0646 2.5 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0641\u064a \u0639\u0627\u0645 2011 \u0625\u0644\u0649 1.4 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0627\u0644\u064a\u0648\u0645\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0639\u0643\u0633 \u062a\u062d\u0633\u0646\u0627\u064b \u0645\u0637\u0651\u0631\u062f\u0627\u064b \u0641\u064a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p><strong>\u0633: \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u0623\u0637\u0644\u0642\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f <\/strong><\/p>\n<p>\u062c: \u0623\u0637\u0644\u0642\u062a \u0623\u0643\u062b\u0631 \u0645\u0646 60 \u062f\u0648\u0644\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0645\u0634\u0627\u0631\u0643\u0629 \u062c\u0647\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u062a\u0634\u0645\u0644 \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0648\u0627\u0644\u0628\u064a\u0626\u0629 \u0648\u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<p><em>\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2024\/07\/why-financial-inclusion-is-the-key-to-a-thriving-digital-economy\/\">https:\/\/www.weforum.org\/stories\/2024\/07\/why-financial-inclusion-is-the-key-to-a-thriving-digital-economy\/<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation\">https:\/\/www.bcg.com\/publications\/2024\/to-expand-financial-inclusion-embrace-innovation<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/sdgs.un.org\/goals\">https:\/\/sdgs.un.org\/goals<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/publication\/globalfindex\">https:\/\/www.worldbank.org\/en\/publication\/globalfindex<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals\/\">https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals<sup>\/<\/sup><\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\">https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\">https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/<\/a><\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n","protected":false},"author":18,"featured_media":124330,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00ae\u0647\u0644 \u064a\u0645\u0643\u0646 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