{"id":84445,"date":"2021-02-14T11:47:51","date_gmt":"2021-02-14T11:47:51","guid":{"rendered":"https:\/\/www.alj.com\/?post_type=perspective&#038;p=84445"},"modified":"2022-09-26T11:45:43","modified_gmt":"2022-09-26T11:45:43","slug":"%d8%a7%d9%84%d8%aa%d8%a8%d8%ad%d9%91%d8%b1-%d9%81%d9%8a-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%b9%d8%a8%d8%af%d8%a7%d9%84%d9%84%d8%b7%d9%8a%d9%81-%d8%ac","status":"publish","type":"perspective","link":"https:\/\/alj.com\/ar\/perspective\/%d8%a7%d9%84%d8%aa%d8%a8%d8%ad%d9%91%d8%b1-%d9%81%d9%8a-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%b9%d8%a8%d8%af%d8%a7%d9%84%d9%84%d8%b7%d9%8a%d9%81-%d8%ac\/","title":{"rendered":"\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 &#8230; \u0625\u0644\u0649 \u0623\u064a\u0646\u061f"},"content":{"rendered":"<p>\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 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BDO \u0639\u0627\u0645 2019 \u0623\u0646 97% \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u0646\u0641\u0630 \u0628\u0627\u0644\u0641\u0639\u0644 \u0646\u0648\u0639\u064b\u0627 \u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0623\u0639\u0645\u0627\u0644\u0647\u0627. \u0648\u064a\u0631\u0649 73% \u0623\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0633\u062a\u0645\u0643\u0646 \u062a\u0644\u0643 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u0632\u064a\u0627\u062f\u0629 \u062a\u0628\u0644\u063a \u0646\u0633\u0628\u062a\u0647\u0627 10% \u0641\u064a \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u062d\u0644\u0648\u0644 \u0627\u0644\u0639\u0627\u0645 2022 <a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>.<\/p>\n<p>\u062a\u0645\u062a\u0644\u0643 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0643\u0627\u0641\u0629 \u0645\u062c\u0627\u0644\u0627\u062a\u0647\u0627 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062b\u0648\u0631\u0629 \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u062f \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0647\u064a:<\/p>\n<ul>\n<li>\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629: \u062a\u0648\u0627\u0641\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a 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\u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0628\u0634\u0643\u0644 \u0623\u0633\u0631\u0639 \u0648\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u062f\u0642\u064a\u0642\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0623\u062e\u0631\u0649.<\/li>\n<li>\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629: \u062a\u0642\u062f\u064a\u0645 \u0623\u0645\u0627\u0643\u0646 \u062a\u062e\u0632\u064a\u0646 \u0639\u0646 \u0628\u064f\u0639\u062f \u0628\u0642\u0648\u0629 \u062d\u0627\u0633\u0648\u0628\u064a\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u0645\u0646 \u0627\u0644\u0645\u0646\u062a\u0638\u0631 \u0623\u0646 \u062a\u0634\u0643\u0644 \u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0646\u0635\u0641 \u0625\u0646\u0641\u0627\u0642 \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><img decoding=\"async\" loading=\"lazy\" class=\"alignright size-full wp-image-84375\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/02\/ALJ-Financial-Services-Office-Processes.jpg\" alt=\"ALJ Financial Services Office Processes\" width=\"2560\" height=\"1638\" \/><\/p>\n<p>\u062c\u0627\u0621\u062a \u0647\u0630\u0647 \u0627\u0644\u0637\u0641\u0631\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0645\u0635\u062d\u0648\u0628\u0629 \u0628\u062a\u062d\u0648\u0644 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\u0627\u0644\u0623\u0633\u0627\u0628\u064a\u0639 \u0643\u0645\u0627 \u0643\u0627\u0646 \u064a\u062d\u062f\u062b \u0641\u064a \u0627\u0644\u0645\u0627\u0636\u064a. \u0648\u0642\u062f \u062a\u0646\u0627\u0648\u0644\u0646\u0627 \u0647\u0630\u0627 \u0627\u0644\u0645\u0648\u0636\u0648\u0639 \u0628\u0634\u0643\u0644 \u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u0641\u0627\u0636\u0629 \u0641\u064a \u0623\u062d\u062f \u0627\u0644\u0645\u0642\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u062c\u0627\u0621\u062a \u0636\u0645\u0646 \u0633\u0644\u0633\u0629 \u0645\u0642\u0627\u0644\u0627\u062a \u0648\u062c\u0647\u0627\u062a \u0627\u0644\u0646\u0638\u0631 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0628\u0642\u0644\u0645 <a href=\"https:\/\/alj.com\/ar\/financial-services\/\">\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646<\/a>\u060c \u0631\u0626\u064a\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 .<\/p>\n<figure id=\"attachment_52291\" aria-describedby=\"caption-attachment-52291\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-52291\" 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 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644<\/figcaption><\/figure>\n<p>\u062a\u0642\u0648\u0644 \u0646\u064a\u0644\u0648\u0641\u0631 : &#8220;\u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0631\u064a\u0628 \u062c\u062f\u064b\u0627\u060c \u0644\u0646 \u0646\u0647\u062a\u0645 \u0643\u0639\u0645\u0644\u0627\u0621 \u0623\u064a \u0628\u0646\u0643 \u0623\u0648 \u0634\u0631\u0643\u0629 \u062a\u0645\u0648\u064a\u0644 \u0623\u0648 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u062a\u0628\u064a\u0639 \u0644\u0646\u0627 \u0645\u0627 \u0646\u062d\u062a\u0627\u062c \u0625\u0644\u064a\u0647. \u0644\u0643\u0646\u0646\u0627 \u0633\u0646\u0642\u0628\u0644 \u0641\u0642\u0637 \u0627\u0644\u0639\u0631\u0648\u0636 \u0623\u0648 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0630\u064a \u062a\u0646\u0627\u0633\u0628 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0646\u0627\u060c \u0648\u062a\u0643\u0648\u0646 \u0645\u062a\u0627\u062d\u0629 \u0644\u0646\u0627 \u0641\u064a \u0627\u0644\u0644\u062d\u0638\u0629 \u0627\u0644\u062a\u064a \u0646\u062d\u062a\u0627\u062c \u0625\u0644\u064a\u0647\u0627&#8221;.<\/p>\n<p>\u0648\u0642\u062f \u0623\u062f\u0649 \u0627\u0644\u0636\u063a\u0637 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0645\u0646 \u062c\u0627\u0646\u0628 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0641\u064a 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\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u062c\u0631\u0627\u0647 \u0627\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0641\u064a \u0639\u0627\u0645 <a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a>2020 \u0623\u0646 85\u066a \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0628\u0627\u0644\u0641\u0639\u0644 \u0634\u0643\u0644\u0627\u064b \u0645\u0646 \u0623\u0634\u0643\u0627\u0644 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u00a0\u0648\u0623\u0646 77\u066a \u064a\u062a\u0648\u0642\u0639\u0648\u0646 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0623\u0647\u0645\u064a\u0629 \u0643\u0628\u0631\u0649 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\u0643\u064a \u0646\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u063a\u064a\u064a\u0631 \u0648\u0627\u0644\u0645\u0648\u0627\u0626\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u062d\u0642\u0642 \u0628\u0647\u0627 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0644\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0648\u064a\u062a\u0648\u0627\u0641\u0631 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0643\u0644 \u0645\u0627 \u064a\u062d\u062a\u0627\u062c\u0648\u0646 \u0625\u0644\u064a\u0647 \u0645\u0646 \u0623\u062c\u0644 \u0627\u0644\u0644\u062d\u0638\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629.<\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u00a0<a href=\"https:\/\/www.bdo.com\/insights\/industries\/financial-services\/digital-transformation-in-financial-services\">Digital Transformation in Financial Services | BDO Insights<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> \u00a0<a href=\"http:\/\/www3.weforum.org\/docs\/WEF_AI_in_Financial_Services_Survey.pdf\">WEF_AI_in_Financial_Services_Survey.pdf (weforum.org)<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> \u00a0<a href=\"https:\/\/ec.europa.eu\/info\/sites\/info\/files\/file_import\/1606-big-data-on-financial-services_en_0.pdf\">1606-big-data-on-financial-services_en_0.pdf (europa.eu)<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> \u00a0<a href=\"https:\/\/www.thebusinessresearchcompany.com\/report\/financial-services-global-market-report-2020-30-covid-19-impact-and-recovery\">Global Financial Services Market Data And Industry Growth Analysis (thebusinessresearchcompany.com)<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> \u00a0<a href=\"https:\/\/www.investor.fisglobal.com\/news-releases\/news-release-details\/covid-19-rapidly-reshaping-consumer-banking-and-payments\">COVID-19 Is Rapidly Reshaping Consumer Banking and Payments Behaviors, New FIS Survey Finds | FIS (fisglobal.com)<\/a><\/p>\n","protected":false},"author":18,"featured_media":84434,"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\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 ... \u0625\u0644\u0649 \u0623\u064a\u0646\u061f | \u0639\u0628\u062f\u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/title>\n<meta name=\"description\" content=\"\u062a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 \u0623\u0628\u0631\u0632 \u0645\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0627\u0644\u064a. \u0641\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 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