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src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg 200w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-100x150.jpg 100w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-768x1153.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-682x1024.jpg 682w, https:\/\/media.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278.jpg 1000w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/><figcaption id=\"caption-attachment-52291\" class=\"wp-caption-text\">\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646\u060c \u0631\u0626\u064a\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<br \/>\n\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 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decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-83064 alignright\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Fintechs-Views.jpg\" alt=\"ALJ Financial Services Fintechs Views\" width=\"2560\" height=\"2355\" \/><\/p>\n<p>\u0648\u0628\u0639\u064a\u062f\u064b\u0627 \u0639\u0646 \u0627\u0644\u062a\u0648\u0642\u0639\u0627\u062a\u060c \u0641\u0642\u062f \u0628\u0627\u062a \u0627\u0644\u0645\u0634\u0647\u062f \u0623\u0643\u062b\u0631 \u0648\u0636\u0648\u062d\u064b\u0627 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0633\u0639\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0643\u0628\u0631\u0649 \u0625\u0644\u0649 \u0625\u0642\u0627\u0645\u0629 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0630\u0648\u064a \u0627\u0644\u062e\u0628\u0631\u0629 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https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-150x100.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-768x512.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech-1536x1024.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Fintech.jpg 1920w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u064a\u0628\u062f\u0648 \u0623\u0646 \u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0633\u064a\u0636\u0637\u0631\u0648\u0646 \u0625\u0644\u0649 \u0628\u0630\u0644 \u062c\u0647\u062f \u0643\u0628\u064a\u0631 \u0644\u0644\u062d\u0627\u0642 \u0628\u0627\u0644\u0631\u0643\u0628 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u064a\u060c \u0641\u0648\u0641\u0642\u064b\u0627 \u0644\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0643\u0627\u0646\u062a 43\u066a \u0645\u0646 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\u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629.<\/p>\n<p>\u0648\u0645\u0646 \u0627\u0644\u0645\u062b\u064a\u0631 \u0644\u0644\u062f\u0647\u0634\u0629 \u062d\u0642\u064b\u0627 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u0644\u0641\u064a\u0629 \u0627\u0644\u0631\u062c\u0639\u064a\u0629 \u062a\u062a\u0632\u0627\u0645\u0646 \u0645\u0639 \u0628\u0632\u0648\u063a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u063a\u064a\u064a\u0631 \u062c\u0630\u0631\u064a \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0643\u0643\u0644.<\/p>\n<p>\u0641\u0644\u062f\u064a\u0646\u0627 \u0645\u062b\u0644\u064b\u0627:<\/p>\n<ul>\n<li><em>\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a (<\/em><em>Artificial intelligence<\/em><em>)\u060c<\/em> \u0627\u0644\u0630\u064a \u064a\u062a\u0645\u062a\u0639 \u0628\u0642\u062f\u0631\u0627\u062a \u062a\u0624\u0647\u0644\u0647 \u0644\u0623\u0646 \u064a\u0643\u0648\u0646 \u0623\u062f\u0627\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062a\u062a\u064a\u062d \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0643\u0627\u0641\u0629 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u062e\u0641\u0636 \u062a\u0643\u0627\u0644\u064a\u0641\u0647\u0627 \u0648\u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061b<\/li>\n<li><em>\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0643\u0645\u064a\u0629 \u0627\u0644\u0647\u062c\u064a\u0646\u0629 (<\/em><em>Hybrid quantum<\/em> <em>computing<\/em><em>)\u060c<\/em> \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0627\u0644\u062f\u0642\u0629 \u0641\u064a \u0625\u0646\u062c\u0627\u0632 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a\u061b<\/li>\n<li>\u062a\u0642\u0646\u064a\u0629 &#8220;\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646&#8221; \u0644\u062f\u0641\u062a\u0631 \u0627\u0644\u0623\u0633\u062a\u0627\u0630 \u0627\u0644\u0645\u0648\u0632\u0639 (DLT)\u060c \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u062a\u0628\u0627\u062f\u0644 \u0643\u0645\u064a\u0627\u062a \u0636\u062e\u0645\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0644\u062d\u0638\u064a\u0629 \u0628\u064a\u0646 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062a\u0628\u0627\u064a\u0646\u0629\u060c \u0645\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0625\u062d\u062f\u0627\u062b \u062b\u0648\u0631\u0629 \u0641\u064a \u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0645\u062b\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u0629 \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u062a\u0648\u0631\u064a\u062f\u061b<\/li>\n<li><em>\u0627\u0644\u0648\u0627\u0642\u0639 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a \u0623\u0648 \u0627\u0644\u0645\u0639\u0632\u0632\u060c \u0627\u0644\u0630\u064a<\/em> \u064a\u0633\u0647\u0645 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u061b<\/li>\n<li><em>\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621<\/em> (IoT)\u060c \u0627\u0644\u0630\u064a \u064a\u0648\u0641\u0631 \u0643\u0645\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0642\u064a\u0629 \u0627\u0644\u0644\u062d\u0638\u064a\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0642\u0644\u061b<\/li>\n<li><em>\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0645\u0633 (<\/em><em>5G<\/em><em>)\u060c<\/em> \u0627\u0644\u062a\u064a \u0633\u0627\u0639\u062f\u062a \u0641\u064a \u0625\u064a\u062c\u0627\u062f \u0628\u064a\u0626\u0629 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0639\u0646 \u0628\u0639\u062f \u0648\u062a\u0646\u0633\u064a\u0642 \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0642\u0637\u0627\u0639\u0627\u062a \u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621\u061b<\/li>\n<li><em>\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 (<\/em><em>Cloud computing<\/em><em>)\u060c \u0627\u0644\u062a\u064a<\/em> \u062a\u0648\u0641\u0631 \u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a\u0629 \u0647\u0627\u0626\u0644\u0629 \u0648\u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a \u0644\u0644\u062d\u0648\u0627\u0633\u0628\u060c \u0648\u0633\u062a\u0634\u0643\u0644 \u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0646\u0635\u0641 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0639\u0644\u0649 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li>\n<\/ul>\n<p>\u0648\u062a\u0624\u0643\u062f \u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646 \u0623\u0646: <em>&#8220;\u0647\u0630\u0647 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\u0627\u0644\u062c\u0648\u0644\u064a\u0627 (Algolia)\u060c \u0648\u0647\u064a \u0645\u0646\u0635\u0629 \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0648\u0638\u0627\u0626\u0641 \u0628\u062d\u062b \u0623\u0633\u0631\u0639 \u0648\u0623\u0643\u062b\u0631 \u0633\u0647\u0648\u0644\u0629 \u0644\u0645\u0648\u0627\u0642\u0639\u0647\u0627 \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u0646\u062c\u062d\u062a \u0641\u064a \u062c\u0645\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 184 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a.\u00a0 \u0648\u0627\u0633\u062a\u0637\u0627\u0639 \u0645\u0648\u0642\u0639 (Reputation.com)\u060c \u0627\u0644\u0630\u064a \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a 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\u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0628\u0642\u064a\u0645\u0629 20 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a\u060c \u0641\u064a\u0645\u0627 \u0646\u062c\u062d &#8220;\u062f\u0627\u0643 \u062f\u0627\u0643 \u062c\u0648&#8221; (DuckDuckGo)\u060c \u0648\u0647\u0648 \u0645\u062d\u0631\u0643 \u0628\u062d\u062b \u064a\u0639\u0637\u064a \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u0644\u062e\u0635\u0648\u0635\u064a\u0629\u060c \u0641\u064a \u062c\u0645\u0639 13 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-medium wp-image-83106\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg\" alt=\"Digital Security\" width=\"300\" height=\"169\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-150x84.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security-226x126.jpg 226w, https:\/\/media.alj.com\/app\/uploads\/2021\/01\/Digital-Security.jpg 608w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\u0625\u0630\u0627 \u0643\u0627\u0646\u062a <em>\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629<\/em> \u0643\u0644\u0645\u0629 \u0637\u0646\u0627\u0646\u0629 \u062a\u0633\u062a\u0631\u0639\u064a \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647\u060c \u0641\u0627\u0644\u0623\u0645\u0631 \u0633\u064a\u0627\u0646 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0644\u0649 \u0627\u0628\u0646 \u0639\u0645\u0647\u0627 \u0627\u0644\u0623\u0642\u0631\u0628\u060c <em>\u0627\u0644\u0623\u0645\u0646<\/em>.<\/p>\n<p>\u0648\u0644\u0647\u0630\u0627 \u0623\u0644\u0642\u062a \u0628\u0631\u0627\u064a\u0633 \u0648\u0648\u062a\u0631 \u0647\u0627\u0648\u0633 \u0643\u0648\u0628\u0631\u0632 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629: \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a.\u00a0<\/p>\n<p>\u0641\u0641\u064a \u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0623\u062c\u0631\u062a\u0647 \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0624\u062e\u0631\u064b\u0627\u060c \u0623\u0639\u0631\u0628 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 7 \u0645\u0646 \u0643\u0644 10 \u0645\u0646 \u0627\u0644\u0631\u0624\u0633\u0627\u0621 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u064a\u0646 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0639\u0646 \u0645\u062e\u0627\u0648\u0641\u0647\u0645 \u0625\u0632\u0627\u0621 \u0627\u0644\u062a\u0647\u062f\u064a\u062f\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 61\u066a \u0645\u0646 \u0627\u0644\u0631\u0624\u0633\u0627\u0621 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u064a\u0646 \u0641\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a.<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a><\/p>\n<p>\u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u062a\u0641\u0627\u0642\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0643\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0645\u0642\u0628\u0644\u0629 \u0628\u0633\u0628\u0628 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0645\u0648\u0631\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646\u060c \u0648\u0627\u0644\u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629 \u0644\u0644\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u060c \u0648\u062a\u0646\u0627\u0645\u064a \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f\u060c \u0648\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0639\u0644\u0649 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0644\u0625\u062c\u0631\u0627\u0621 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/p>\n<p>\u0648\u0628\u0627\u0644\u0637\u0628\u0639 \u0633\u062a\u0643\u0648\u0646 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u062d\u0643\u0631\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0628\u0631\u0627\u0645\u062c \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0647\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0630\u064a \u064a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0633\u064a\u0642 (FPE) (\u0648\u0647\u064a \u0628\u0631\u0627\u0645\u062c \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0641\u064a\u062f\u0629 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644).<\/p>\n<p>\u0623\u0645\u0627 \u0627\u0644\u062e\u0628\u0631 \u0627\u0644\u0623\u0643\u062b\u0631 \u0625\u062b\u0627\u0631\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u0647\u0648 \u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0628\u064a\u0629 \u0644\u0645 \u062a\u062a\u0648\u0642\u0641 \u0639\u0646 \u0636\u062e \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u062a\u0644\u0643 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062d\u062a\u0649 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062c\u0627\u0626\u062d\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\u060c \u0648\u0625\u0646 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0628\u0645\u0639\u062f\u0644 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>\u060c \u062d\u064a\u062b \u0634\u0647\u062f \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2020 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0628\u0642\u064a\u0645\u0629 3.8 \u0645\u0644\u064a\u0627\u0631 \u064a\u0648\u0631\u0648 \u0645\u0646 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0641\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629\u060c \u0645\u0642\u0627\u0628\u0644 5.6 \u0645\u0644\u064a\u0627\u0631 \u064a\u0648\u0631\u0648 \u062e\u0644\u0627\u0644 \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2019.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-full wp-image-83071\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Global-Venture.jpg\" alt=\"ALJ Financial Services Global Venture\" width=\"2560\" height=\"2226\" \/><\/p>\n<p>\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0646\u062c\u062d\u062a \u0634\u0631\u0643\u0629 &#8220;\u0633\u0648\u0644\u0627\u0631\u064a\u0633 \u0628\u0646\u0643&#8221; (Solarisbank) \u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0641\u064a \u062c\u0645\u0639 60 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0641\u064a \u062c\u0648\u0644\u0629 \u062a\u0645\u0648\u064a\u0644 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\u0631\u0627\u062d\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645&#8221;.<\/p>\n<p>\u0648\u0623\u064a\u064b\u0627 \u0643\u0627\u0646\u062a \u0639\u0644\u0627\u0642\u062a\u0643 \u0628\u0627\u0644\u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u0645\u0633\u062a\u0647\u0644\u0643\u064b\u0627\u060c \u0623\u0648 \u0631\u0627\u0626\u062f \u0623\u0639\u0645\u0627\u0644 \u0644\u062f\u064a\u0647 \u0641\u0643\u0631\u0629 \u0631\u0627\u0626\u0639\u0629\u060c \u0623\u0648 \u0631\u0626\u064a\u0633\u064b\u0627 \u062a\u0646\u0641\u064a\u0630\u064a\u064b\u0627 \u0644\u0628\u0646\u0643 \u0643\u0628\u064a\u0631\u060c \u0639\u0644\u064a\u0646\u0627 \u0623\u0646 \u0646\u062f\u0631\u0643 \u062c\u0645\u064a\u0639\u064b\u0627 \u0623\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0633\u062a\u0648\u0627\u0635\u0644 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u064a\u0639\u0645\u0644 \u0628\u0647\u0627 \u0645\u062c\u062a\u0645\u0639\u0646\u0627.<\/p>\n<p>\u0648\u0633\u062a\u0628\u0642\u0649 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0645\u062b\u0627\u0644\u064a\u064b\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0623\u0630\u0643\u064a\u0627\u0621.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.bbc.co.uk\/news\/business-54545830\">Will we be getting our cash from shops, not ATMs? &#8211; BBC News<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf\">https:\/\/www.mckinsey.com\/~\/media\/McKinsey\/Industries\/Financial%20Services\/Our%20Insights\/Next-gen%20technology%20transformation%20in%20financial%20services\/Next-gen-technology-transformation-in-financial-services.pdf<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.<\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a><\/p>\n","protected":false},"author":18,"featured_media":83119,"template":"","tags":[303],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00ae\u062a\u0647\u064a\u0626\u0629 \u0639\u0627\u0644\u0645 \u0627\u0644\u0645\u0627\u0644 \u0644\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a | \u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/title>\n<meta name=\"description\" content=\"\u064a\u062a\u0648\u0642\u0639 \u0627\u0644\u062e\u0628\u0631\u0627\u0621 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