{"id":123947,"date":"2025-10-15T13:11:06","date_gmt":"2025-10-15T13:11:06","guid":{"rendered":"https:\/\/alj.com\/?post_type=perspective&#038;p=123947"},"modified":"2026-01-09T06:52:54","modified_gmt":"2026-01-09T06:52:54","slug":"%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f","status":"publish","type":"perspective","link":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/","title":{"rendered":"\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f"},"content":{"rendered":"<p>\u5f88\u6709\u53ef\u80fd\uff0c\u4f60\u5df2\u7ecf\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u9886\u57df\u7684\u4e13\u5bb6\u4e86\u2014\u2014\u53ea\u662f\u4f60\u81ea\u5df1\u5e76\u6ca1\u6709\u610f\u8bc6\u5230\u8fd9\u4e00\u70b9\u3002<\/p>\n<p>\u4f60\u662f\u5426\u66fe\u5728\u4e9a\u9a6c\u900a\u8fd9\u6837\u7684\u7535\u5546\u5e73\u53f0\u8d2d\u4e70\u8fc7\u4e00\u672c\u65b0\u4e66\u6216\u4e00\u53cc\u8fd0\u52a8\u978b\uff1f \u4f60\u5c31\u4f7f\u7528\u4e86\u5d4c\u5165\u5f0f\u91d1\u878d\u3002\u5229\u7528\u6570\u5b57\u94b1\u5305\u70b9\u5bf9\u70b9\u8f6c\u94b1\u7ed9\u670b\u53cb\u652f\u4ed8\u97f3\u4e50\u4f1a\u95e8\u7968\u8d39\u7528\uff1f \u540c\u6837\uff0c\u4f60\u4e5f\u4f7f\u7528\u4e86\u5d4c\u5165\u5f0f\u91d1\u878d\u3002\u901a\u8fc7\u6253\u8f66\u5e94\u7528\u7a0b\u5e8f\u652f\u4ed8\u884c\u7a0b\u8d39\u7528\u3001\u6295\u8d44\u52a0\u5bc6\u8d27\u5e01\uff0c\u6216\u8005\u901a\u8fc7\u5148\u4e70\u540e\u4ed8\u7684\u65b9\u5f0f\u9884\u8ba2\u77ed\u9014\u65c5\u884c\uff1f \u5f88\u6709\u53ef\u80fd\uff0c\u8fd9\u4e5f\u90fd\u8981\u5f52\u529f\u4e8e\u5d4c\u5165\u5f0f\u91d1\u878d\u3002<\/p>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u65e0\u5904\u4e0d\u5728\uff0c\u5b83\u4e0e\u73b0\u4ee3\u751f\u6d3b\u7d27\u5bc6\u4ea4\u7ec7\uff0c\u4ee5\u81f3\u4e8e\u6211\u4eec\u5728\u4e0e\u4e4b\u4e92\u52a8\u65f6\u51e0\u4e4e\u5bdf\u89c9\u4e0d\u5230\u3002<\/p>\n<p>\u6570\u636e\u672c\u8eab\u5c31\u80fd\u8bf4\u660e\u4e00\u5207\uff1a\u8fd9\u9879\u771f\u6b63\u5177\u6709\u53d8\u9769\u6027\u7684\u91d1\u878d\u5de5\u5177\uff0c\u7531\u4e8e\u5176\u4e0d\u53ef\u6297\u62d2\u7684\u5b9e\u7528\u6027\uff0c\u6b63\u5728\u88ab\u5927\u89c4\u6a21\u91c7\u7528\u3002<\/p>\n<p>\u622a\u81f3 2024 \u5e74\uff0c\u5168\u7403\u5d4c\u5165\u5f0f\u91d1\u878d\u5e02\u573a\u4ef7\u503c\u4e3a 1110 \u4ebf\u7f8e\u5143\uff0c\u5728\u5feb\u901f\u589e\u957f\u7684\u6001\u52bf\u4e0b\uff0c\u9884\u8ba1\u5230 2030 \u5e74\u5c06\u8fbe\u5230 6130 \u4ebf\u7f8e\u5143\u3002<a href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a>\u672c\u5341\u5e74\u521d\uff0c\u901a\u8fc7\u5d4c\u5165\u5f0f\u91d1\u878d\u6280\u672f\u6d41\u8f6c\u7684\u73b0\u91d1\u603b\u989d\u7a81\u7834\u4e86 2.5 \u4e07\u4ebf\u7f8e\u5143\u7684\u91cc\u7a0b\u7891\uff0c\u6b64\u540e\u8fc5\u901f\u589e\u957f\uff0c\u9884\u8ba1\u5230 2025 \u5e74\u5e95\uff0c\u8fd9\u4e00\u6570\u5b57\u5c06\u8fbe\u5230 6.5 \u4e07\u4ebf\u7f8e\u5143\u3002<a href=\"#_ftn2\" name=\"_ftnref2\">[2]<\/a>\u8fd9\u662f\u4e00\u4e2a\u5168\u7403\u6027\u8d8b\u52bf\uff1a\u4f8b\u5982\uff0c\u5728\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u5e02\u573a\u5728 2024 \u5e74\u4ef7\u503c 112 \u4ebf\u7f8e\u5143\uff0c\u9884\u8ba1\u5230 2029 \u5e74\u5c06\u6fc0\u589e\u81f3 377 \u4ebf\u7f8e\u5143\u3002<a href=\"#_ftn3\" name=\"_ftnref3\">[3]<\/a><\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123930\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u6211\u4eec\u51e0\u4e4e\u6240\u6709\u4eba\u90fd\u5728\u4eab\u53d7\u5d4c\u5165\u5f0f\u91d1\u878d\u5e26\u6765\u7684\u9ad8\u6548\u4fbf\u6377\uff0c\u4f46\u771f\u6b63\u4e86\u89e3\u5176\u590d\u6742\u8fd0\u4f5c\u673a\u5236\u7684\u4eba\u53c8\u6709\u591a\u5c11\u5462\uff1f \u4f5c\u4e3a\u4e00\u9879\u89c4\u6a21\u8fbe\u6570\u4e07\u4ebf\u7f8e\u5143\u7684\u91d1\u878d\u5de5\u5177\uff0c\u6211\u4eec\u503c\u5f97\u6df1\u5165\u63a2\u7a76\u8fd9\u4e2a\u672f\u8bed\u7684\u771f\u5b9e\u542b\u4e49\uff0c\u4ee5\u53ca\u652f\u6491\u5b83\u7684\u6280\u672f\u7a76\u7adf\u5982\u4f55\u53d1\u6325\u4f5c\u7528\u3002<\/p>\n<h2>API \u6280\u672f\u5bf9\u5d4c\u5165\u5f0f\u91d1\u878d\u6709\u591a\u91cd\u8981\uff1f<\/h2>\n<p>\u201c\u5d4c\u5165\u5f0f\u91d1\u878d\u201d\u6307\u7684\u662f\u5c06\u65e5\u5e38\u91d1\u878d\u670d\u52a1\u2014\u2014\u5305\u62ec\u94f6\u884c\u670d\u52a1\u3001\u4fdd\u9669\u3001\u652f\u4ed8\u6216\u8d37\u6b3e\u2014\u2014\u6574\u5408\u5230\u975e\u91d1\u878d\u7c7b\u7f51\u7ad9\u53ca\u5e94\u7528\u7a0b\u5e8f\u4e2d\u3002\u672c\u8d28\u4e0a\uff0c\u5b83\u80fd\u8ba9\u5ba2\u6237\u901a\u8fc7\u4f01\u4e1a\u81ea\u8eab\u7684\u7ebf\u4e0a\u5e73\u53f0\uff0c\u5feb\u901f\u4fbf\u6377\u5730\u5b8c\u6210\u91d1\u878d\u4ea4\u6613\uff0c\u65e0\u9700\u8df3\u8f6c\uff08\u6216\u88ab\u91cd\u5b9a\u5411\uff09\u81f3\u94f6\u884c\u6216\u5176\u4ed6\u91d1\u878d\u670d\u52a1\u63d0\u4f9b\u5546\u7684\u5e73\u53f0\u3002<\/p>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u4e3a\u4ea4\u6613\u652f\u4ed8\u3001\u5236\u5b9a\u4ed8\u6b3e\u8ba1\u5212\u3001\u8fbe\u6210\u8d37\u6b3e\u534f\u8bae\u6216\u83b7\u53d6\u4fdd\u9669\u670d\u52a1\u63d0\u4f9b\u4e86\u5b89\u5168\u3001\u5feb\u6377\u7684\u65b9\u5f0f\uff0c\u65e0\u9700\u4e3a\u8bbf\u95ee\u591a\u4e2a\u5e73\u53f0\u6216\u7533\u8bf7\u72ec\u7acb\u4fe1\u8d37\u534f\u8bae\u800c\u8d39\u5fc3\u5904\u7406\u7e41\u7410\u6d41\u7a0b\u3002\u6b63\u5982\u5904\u7406\u652f\u4ed8\u65f6\u7684\u65e0\u7f1d\u4f53\u9a8c\uff0cAPI \u6280\u672f\u540c\u6837\u9a71\u52a8\u7740\u5d4c\u5165\u5f0f\u8d37\u6b3e\u670d\u52a1\u2014\u2014\u4ece\u7535\u5546\u5e73\u53f0\u5185\u63d0\u4f9b\u7684\u4e2d\u5c0f\u4f01\u4e1a\u4fe1\u8d37\u989d\u5ea6\uff0c\u5230\u6d88\u8d39\u7c7b\u5e94\u7528\u4e2d\u7684\u5373\u65f6\u4e2a\u4eba\u8d37\u6b3e\u3002\u5728\u8fd9\u4e2a\u65f6\u95f4\u5b9d\u8d35\u3001\u8ffd\u6c42\u4e00\u952e\u76f4\u8fbe\u7684\u65f6\u4ee3\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u5df2\u7136\u6210\u4e3a\u6807\u5fd7\u6027\u4ea7\u7269\uff1a\u5b83\u4e3a\u5546\u4e1a\u8fd0\u8f6c\u626b\u6e05\u969c\u788d\uff0c\u4e5f\u8ba9\u6d88\u8d39\u8005\u80fd\u5feb\u901f\u83b7\u53d6\u6240\u9700\u7684\u4ea7\u54c1\u4e0e\u670d\u52a1\u3002<\/p>\n<p>\u4ece\u539f\u7406\u4e0a\u770b\uff0c\u8fd9\u4e00\u5207\u90fd\u5408\u60c5\u5408\u7406\u2014\u2014\u4f46\u5b83\u7684\u5177\u4f53\u8fd0\u4f5c\u65b9\u5f0f\u7a76\u7adf\u662f\u600e\u6837\u7684\uff1f \u663e\u7136\uff0c\u5e76\u975e\u6240\u6709\u7535\u5b50\u5546\u52a1\u5e73\u53f0\u90fd\u5728\u6269\u5927\u4e1a\u52a1\u8303\u56f4\uff0c\u4ee5\u6db5\u76d6\u91d1\u878d\u670d\u52a1\u3002Amazon \u65e0\u610f\u8f6c\u578b\u4e3a\u94f6\u884c\uff1b\u4f60\u5f53\u5730\u7684\u6c7d\u8f66\u7ecf\u9500\u5546\u7f3a\u4e4f\u6210\u4e3a\u8d37\u6b3e\u673a\u6784\u7684\u4e13\u4e1a\u80fd\u529b\uff1b\u65c5\u6e38\u516c\u53f8\u4e5f\u4e0d\u60f3\u6210\u4e3a\u4ed8\u6b3e\u8ba1\u5212\u63d0\u4f9b\u5546\u3002\u90a3\u4e48\uff0c\u5b83\u4eec\u7a76\u7adf\u5982\u4f55\u5728\u4e0d\u627f\u62c5\u91d1\u878d\u4e1a\u5de8\u989d\u6280\u672f\u6210\u672c\u4e0e\u76d1\u7ba1\u538b\u529b\u7684\u524d\u63d0\u4e0b\uff0c\u63d0\u4f9b\u8fd9\u4e9b\u91d1\u878d\u670d\u52a1\u5462\uff1f<\/p>\n<p>\u7b54\u6848\u5c31\u5728\u4e8e\u901a\u8fc7\u7531\u94f6\u884c\u5373\u670d\u52a1\u5408\u4f5c\u4f19\u4f34\u7ba1\u7406\u7684\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3 (API)\u3002API \u5c31\u50cf\u662f\u201c\u8fde\u63a5\u7ec4\u7ec7\u201d\uff0c\u80fd\u8ba9\u7535\u5b50\u5546\u52a1\u5e73\u53f0\u5c06\u57fa\u7840\u94f6\u884c\u670d\u52a1\u6574\u5408\u5230\u81ea\u8eab\u7684\u7528\u6237\u4f53\u9a8c\u6d41\u7a0b\u4e2d\u3002<\/p>\n<p>\u4e0d\u59a8\u5c06 API \u7406\u89e3\u4e3a\u201c\u8f6f\u4ef6\u4e2d\u4ecb\u201d\uff0c\u5b83\u80fd\u5b9e\u73b0\u91d1\u878d\u673a\u6784\u4e0e\u9762\u5411\u5ba2\u6237\u7684\u4f01\u4e1a\uff08\u5982\u96f6\u552e\u5546\u6216\u6295\u8d44\u5e73\u53f0\uff09\u4e4b\u95f4\u7684\u5b89\u5168\u6570\u636e\u4ea4\u4e92\u3002\u901a\u5e38\uff0cAPI \u7684\u8fd0\u4f5c\u6d41\u7a0b\u5305\u542b\u4e94\u4e2a\u6b65\u9aa4\uff1a<\/p>\n<ul>\n<li><strong>\u53d1\u8d77\u8bf7\u6c42<\/strong>\uff08\u5ba2\u6237\u901a\u8fc7\u7ebf\u4e0a\u96f6\u552e\u5546\u63d0\u4ea4\u67e5\u8be2\uff09<\/li>\n<li><strong>\u8eab\u4efd\u9a8c\u8bc1<\/strong>\uff08API \u786e\u8ba4\u8be5\u6570\u636e\u8bbf\u95ee\u8bf7\u6c42\u7684\u5408\u6cd5\u6027\uff09<\/li>\n<li><strong>\u6570\u636e\u68c0\u7d22<\/strong>\uff08\u4ece\u94f6\u884c\u6216\u8d37\u6b3e\u673a\u6784\u4e0b\u8f7d\u6240\u9700\u6570\u636e\uff09<\/li>\n<li><strong>\u683c\u5f0f\u5904\u7406<\/strong>\uff08\u5c06\u6570\u636e\u8f6c\u6362\u4e3a\u7b2c\u4e09\u65b9\u5e94\u7528\u7a0b\u5e8f\u53ef\u89e3\u8bfb\u7684\u6807\u51c6\u5316\u683c\u5f0f\uff09<\/li>\n<li><strong>\u54cd\u5e94\u5ba2\u6237<\/strong>\uff08\u5c06\u5904\u7406\u540e\u7684\u683c\u5f0f\u5316\u6570\u636e\u4ea4\u4ed8\u7ed9\u5ba2\u6237\uff09\u3002<\/li>\n<\/ul>\n<p>\u4fbf\u6377\u7684\u662f\uff0c\u8d2d\u7269\u8005\u53ea\u9700\u5c06\u81ea\u5df1\u7684\u94f6\u884c\u8d26\u6237\u4e0e\u5916\u90e8\u5e73\u53f0\u5173\u8054\u4e00\u6b21\uff0c\u540e\u7eed\u6240\u6709\u8d2d\u7269\u652f\u4ed8\u90fd\u80fd\u5b9e\u73b0\u5feb\u901f\u65e0\u7f1d\u5b8c\u6210\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123916\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u8fd9\u6837\u7684\u7cfb\u7edf\u80fd\u5e26\u6765\u591a\u91cd\u4f18\u52bf\u3002\u5b83\u53ef\u5b9e\u73b0\u4e0d\u540c\u884c\u4e1a\u95f4\u7684\u65e0\u7f1d\u534f\u4f5c\uff0c\u540c\u65f6\u4e25\u683c\u9075\u5b88\u9690\u79c1\u534f\u8bae\u3002\u6240\u8bbf\u95ee\u7684\u6570\u636e\u662f\u5b9e\u65f6\u7684\uff0c\u80fd\u7cbe\u51c6\u53cd\u6620\u94f6\u884c\u8d26\u6237\u6216\u80a1\u5e02\u7684\u79d2\u7ea7\u6ce2\u52a8\u3002\u5b89\u5168\u6027\u65b9\u9762\uff0c\u7cfb\u7edf\u8981\u6c42\u91c7\u7528\u5bc6\u7801\u3001\u751f\u7269\u8bc6\u522b\u6570\u636e\u3001\u4e00\u6b21\u6027\u9a8c\u8bc1\u7801\u7b49\u591a\u56e0\u7d20\u8ba4\u8bc1\u65b9\u5f0f\u3002\u52a0\u5bc6\u6280\u672f\u786e\u4fdd\u4fe1\u606f\u4f20\u8f93\u7684\u4fdd\u5bc6\u6027\uff0c\u800c\u5408\u89c4\u8fd0\u8425\u5219\u4e3a\u5176\u8d62\u5f97\u826f\u597d\u7684\u53e3\u7891\u4fe1\u8a89\u3002\u4ee5\u6b27\u6d32\u4e3a\u4f8b\uff0c\u5f53\u5730 API \u5728\u652f\u4ed8\u73af\u8282\u9700\u9075\u5b88\u300a\u652f\u4ed8\u5361\u884c\u4e1a\u6570\u636e\u5b89\u5168\u6807\u51c6\u300b (PCI DSS)\uff0c\u5728\u6570\u636e\u4fdd\u62a4\u65b9\u9762\u5219\u9700\u7b26\u5408\u300a\u901a\u7528\u6570\u636e\u4fdd\u62a4\u6761\u4f8b\u300b (GDPR)\u3002<\/p>\n<p>\u6362\u8a00\u4e4b\uff0cAPI \u6280\u672f\u8ba9\u975e\u91d1\u878d\u4f01\u4e1a\u5f97\u4ee5\u4e0e\u91d1\u878d\u5e73\u53f0\u987a\u7545\u5bf9\u63a5\u3002\u6839\u636e\u5168\u7403\u5546\u4e1a\u54a8\u8be2\u673a\u6784\u666e\u534e\u6c38\u9053 (PWC) \u7684\u5206\u6790\uff0c\u5176\u4f18\u52bf\u8fdc\u4e0d\u6b62\u4e8e\u6b64\u3002<a href=\"#_ftn4\" name=\"_ftnref4\">[4]<\/a>\u5b83\u8fd8\u80fd\uff1a<\/p>\n<ul>\n<li>\u901a\u8fc7\u6700\u5927\u5316\u4fbf\u5229\u6027\u3001\u51cf\u5c11\u6d41\u7a0b\u963b\u788d\uff0c\u5e2e\u52a9\u4f01\u4e1a\u83b7\u53d6\u65b0\u5ba2\u6237\u5e76\u63d0\u5347\u5ba2\u6237\u7559\u5b58\u7387\u3002<\/li>\n<li>\u62d3\u5c55\u73b0\u6709\u7528\u6237\u53ef\u53c2\u4e0e\u7684\u4ea4\u6613\u7c7b\u578b\u4e0e\u91d1\u878d\u65b9\u6848\u8303\u56f4\uff0c\u4e3a\u4f01\u4e1a\u5f00\u8f9f\u65b0\u7684\u6536\u5165\u6765\u6e90\u3002<\/li>\n<li>\u4e3a\u4f01\u4e1a\u63d0\u4f9b\u5173\u4e8e\u5ba2\u6237\u504f\u597d\u4e0e\u884c\u4e3a\u7684\u5b9d\u8d35\u6570\u636e\uff0c\u52a9\u529b\u6253\u9020\u5b9a\u5236\u5316\u4ea7\u54c1\u4e0e\u670d\u52a1\u3002<\/li>\n<li>\u6253\u9020\u201c\u4e00\u7ad9\u5f0f\u201d\u4ea4\u6613\u670d\u52a1\u4f53\u7cfb\uff0c\u6ee1\u8db3\u5ba2\u6237\u6240\u6709\u4ea4\u6613\u9700\u6c42\uff0c\u907f\u514d\u5ba2\u6237\u6ce8\u610f\u529b\u8f6c\u5411\u7b2c\u4e09\u65b9\u5e73\u53f0\uff0c\u8fdb\u800c\u589e\u5f3a\u5ba2\u6237\u5fe0\u8bda\u5ea6\u3002<\/li>\n<li>\u5e2e\u52a9\u4f01\u4e1a\u7a81\u7834\u5355\u7eaf\u7684\u4ea4\u6613\u670d\u52a1\u8303\u7574\uff0c\u6784\u5efa\u4e2a\u6027\u5316\u91d1\u878d\u670d\u52a1\u6d41\u7a0b\u2014\u2014\u57fa\u4e8e\u5ba2\u6237\u884c\u4e3a\u5b9e\u65f6\u5b9a\u5236\u4fe1\u8d37\u3001\u50a8\u84c4\u6216\u4fdd\u9669\u65b9\u6848\u3002<\/li>\n<\/ul>\n<p>\u5f97\u76ca\u4e8e\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u53d1\u5c55\uff0c\u8d37\u6b3e\u673a\u6784\u3001\u79d1\u6280\u5e73\u53f0\u4e0e\u521d\u521b\u4f01\u4e1a\u6b63\u79ef\u6781\u643a\u624b\uff0c\u6380\u8d77\u65b0\u4e00\u8f6e\u91d1\u878d\u79d1\u6280 (<a href=\"https:\/\/alj.com\/en\/perspective\/navigating-the-future-of-finance\/\">fintech<\/a>) \u5408\u4f5c\u6d6a\u6f6e\uff0c\u63a8\u52a8\u4fbf\u6377\u5316\u3001\u5168\u6574\u5408\u5f0f\u91d1\u878d\u670d\u52a1\u7684\u843d\u5730\u3002\u90a3\u4e48\uff0c\u8fd9\u4e2a\u7531 API \u9a71\u52a8\u7684\u65b0\u578b\u751f\u6001\u7cfb\u7edf\u7a76\u7adf\u4f1a\u5448\u73b0\u4f55\u79cd\u9762\u8c8c\uff1f<\/p>\n<h2>\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb\u548c\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u4fc3\u8fdb\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u53d1\u5c55\uff1f<\/h2>\n<p>\u4e16\u754c\u7ecf\u6d4e\u8bba\u575b\u6307\u51fa\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u5904\u4e8e\u91d1\u878d\u79d1\u6280\u521b\u65b0\u7684\u524d\u6cbf\uff0c\u5c06\u91cd\u5851\u672a\u6765\u91d1\u878d\u670d\u52a1\u7684\u4ea4\u4ed8\u6a21\u5f0f<a href=\"#_ftn5\" name=\"_ftnref5\">[5]<\/a>\u3002\u672a\u6765\uff0c\u94f6\u884c\u4e0e\u5ba2\u6237\u7684\u76f4\u63a5\u4e92\u52a8\u53ef\u80fd\u4f1a\u51cf\u5c11\uff0c\u4f46\u7edd\u4e0d\u4f1a\u88ab\u6dd8\u6c70\u3002\u5c3d\u7ba1 API \u8d1f\u8d23\u5904\u7406\u652f\u4ed8\u3001\u8d37\u6b3e\u3001\u4fdd\u9669\u7b49\u4e1a\u52a1\u6d41\u7a0b\uff0c\u4f46\u5e76\u4e0d\u5b58\u50a8\u6216\u83b7\u53d6\u8d44\u91d1\u2014\u2014\u94f6\u884c\u4f9d\u7136\u662f\u8d44\u91d1\u4e0e\u6295\u8d44\u7684\u6838\u5fc3\u6258\u7ba1\u673a\u6784\u3002<\/p>\n<p>\u94f6\u884c\u5177\u5907\u89c4\u6a21\u4f18\u52bf\u3001\u201c\u5927\u800c\u4e0d\u5012\u201d\u7684\u7a33\u5b9a\u67b6\u6784\u3001\u4e1a\u52a1\u53ef\u6269\u5c55\u6027\uff0c\u4ee5\u53ca\u957f\u671f\u79ef\u7d2f\u7684\u4fe1\u8a89\u57fa\u7840\u3002\u53e6\u4e00\u65b9\u9762\uff0c\u91d1\u878d\u79d1\u6280\u4f01\u4e1a\u5219\u66f4\u5584\u4e8e\u62e5\u62b1\u521b\u65b0\uff0c\u80fd\u66f4\u7075\u6d3b\u5730\u5e94\u5bf9\u5e02\u573a\u8d8b\u52bf\u53d8\u5316\uff0c\u4e14\u4e0d\u4f1a\u53d7\u56f0\u4e8e\u843d\u540e\u6280\u672f\u3002\u56e0\u6b64\uff0c\u5728\u5d4c\u5165\u5f0f\u91d1\u878d\u84ec\u52c3\u53d1\u5c55\u7684\u65b0\u65f6\u4ee3\uff0c\u5408\u4f5c\u6b63\u6210\u4e3a\u5404\u65b9\u7684\u9996\u8981\u9009\u62e9\u3002<\/p>\n<p>2024 \u5e74 12 \u6708\uff0c\u603b\u90e8\u4f4d\u4e8e\u963f\u8054\u914b\u7684\u79d1\u6280\u96c6\u56e2 Astra Tech \u65d7\u4e0b\u91d1\u878d\u79d1\u6280\u5b50\u516c\u53f8 Quantix \u5ba3\u5e03\uff0c\u5df2\u4ece\u7f8e\u56fd\u8de8\u56fd\u94f6\u884c Citigroup \u83b7\u5f97\u4e86 5 \u4ebf\u7f8e\u5143\u7684\u878d\u8d44<a href=\"#_ftn6\" name=\"_ftnref6\">[6]<\/a>\u3002\u8fd9\u7b14\u6295\u8d44\u5c06\u52a9\u529b Quantix \u6269\u5927\u5176 CashNow \u6d88\u8d39\u8d37\u6b3e\u5e73\u53f0\u7684\u8986\u76d6\u8303\u56f4\uff0c\u670d\u52a1\u4e2d\u5c0f\u4f01\u4e1a (SME)\u3001\u96f6\u5de5\u5de5\u4f5c\u8005\u7b49\u6b64\u524d\u88ab\u5ffd\u89c6\u7684\u7fa4\u4f53\u3002\u5bf9 Citigroup \u800c\u8a00\uff0c\u6b64\u6b21\u6295\u8d44\u4f7f\u5176\u5f97\u4ee5\u8fdb\u5165\u5feb\u901f\u53d1\u5c55\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u9886\u57df\uff0c\u5b9e\u73b0\u6295\u8d44\u7ec4\u5408\u591a\u5143\u5316\u3002\u8fd9\u4e00\u5408\u4f5c\u4e5f\u662f\u963f\u8054\u914b\u8fc4\u4eca\u4e3a\u6b62\u89c4\u6a21\u6700\u5927\u7684\u91d1\u878d\u79d1\u6280\u4ea4\u6613\u3002<a href=\"#_ftn7\" name=\"_ftnref7\">[7]<\/a><\/p>\n<p>\u65e0\u72ec\u6709\u5076\uff0c\u56fd\u9645\u94f6\u884c\u4e1a\u5de8\u5934 HSBC \u4e0e\u603b\u90e8\u4f4d\u4e8e\u65e7\u91d1\u5c71\u7684 B2B \u91d1\u878d\u79d1\u6280\u5e73\u53f0 Tradeshift \u5408\u4f5c\uff0c\u5171\u540c\u6210\u7acb\u4e86\u540d\u4e3a SemFi \u7684\u65b0\u516c\u53f8<a href=\"#_ftn8\" name=\"_ftnref8\">[8]<\/a>\u3002SemFi \u4e3b\u8981\u670d\u52a1\u7535\u5546\u5356\u5bb6\uff08\u5176\u4e2d\u591a\u4e3a\u4e2a\u4f53\u5546\u6237\u6216\u4e2d\u5c0f\u4f01\u4e1a\uff09\uff0c\u901a\u8fc7 HSBC \u63d0\u524d\u652f\u4ed8\u53d1\u7968\u6b3e\u9879\u7684\u65b9\u5f0f\uff0c\u5e2e\u52a9\u5356\u5bb6\u52a0\u5feb\u8d44\u91d1\u56de\u7b3c\u3002\u8be5\u4e1a\u52a1\u901a\u8fc7\u5206\u6790\u4ea4\u6613\u5386\u53f2\u3001\u76f4\u63a5\u5bf9\u63a5\u5356\u5bb6\u7684\u4f1a\u8ba1\u5de5\u5177\uff0c\u4e3a\u66f4\u5e7f\u6cdb\u7684\u5ba2\u6237\u7fa4\u4f53\u63d0\u4f9b\u65b0\u7684\u4fe1\u8d37\u6e20\u9053\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u7f8e\u56fd\u94f6\u884c JPMorgan Chase \u4e0e\u91d1\u878d\u79d1\u6280\u516c\u53f8 Gusto\u3001\u4ee5\u53ca\u82f1\u56fd\u94f6\u884c NatWest \u4e0e\u5d4c\u5165\u5f0f\u91d1\u878d\u521b\u65b0\u4f01\u4e1a Vodeno \u4e5f\u5206\u522b\u8fbe\u6210\u5408\u4f5c\uff0c\u5747\u4f7f\u5ba2\u6237\u80fd\u5728\u81ea\u8eab\u7cfb\u7edf\u4e2d\u5d4c\u5165\u85aa\u8d44\u53d1\u653e\u670d\u52a1\u5e76\u65b0\u589e\u652f\u4ed8\u529f\u80fd\u3002<a href=\"#_ftn9\" name=\"_ftnref9\">[9]<\/a><\/p>\n<p>\u6b64\u7c7b\u5408\u4f5c\u53ca\u66f4\u591a\u7b79\u5907\u4e2d\u7684\u9879\u76ee\uff0c\u4e0d\u4ec5\u80fd\u5e2e\u52a9\u63d0\u5347\u91d1\u878d\u77e5\u8bc6\u666e\u53ca\u5ea6\u3001\u63a8\u52a8\u6295\u8d44\u673a\u4f1a\u5747\u7b49\u5316\uff0c\u8fd8\u80fd\u4e3a<a href=\"https:\/\/alj.com\/en\/perspective\/financial-inclusion-unlocks-liberty-and-opportunity\/\">\u4f20\u7edf\u4e0a\u88ab\u6392\u9664<\/a>\u5728\u94f6\u884c\u670d\u52a1\u4e4b\u5916\u7684\u7fa4\u4f53\u63d0\u4f9b\u652f\u6301\u3002<\/p>\n<p>\u5728\u65b0\u5174\u5e02\u573a\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u63d0\u4f9b\u4e86\u83b7\u53d6\u8425\u8fd0\u8d44\u91d1\u7684\u6e20\u9053\uff0c\u5e76\u5c06\u4f9b\u5e94\u94fe\u91d1\u878d\u8f6c\u53d8\u4e3a\u5b9e\u65f6\u6570\u5b57\u5316\u670d\u52a1\uff0c\u76f4\u63a5\u5d4c\u5165\u91c7\u8d2d\u4e0e\u8d38\u6613\u5e73\u53f0\u3002<\/p>\n<p>AI \u7684\u7a81\u7834\u5c06\u8fdb\u4e00\u6b65\u52a0\u901f\u8fd9\u4e00\u8fdb\u7a0b\u3002AI \u6280\u672f\u652f\u6301\u5b9e\u65f6\u4ea4\u6613\uff0c\u5927\u5e45\u63d0\u5347\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u670d\u52a1\u6548\u7387\u3002\u4f9d\u6258\u4e2a\u6027\u5316\u754c\u9762\u8bbe\u8ba1\uff0c\u8ba9\u8d2d\u7269\u3001\u4ed8\u6b3e\u53ca\u6295\u8d44\u64cd\u4f5c\u53d8\u5f97\u76f4\u89c2\u6613\u7528\u3002\u51ed\u501f\u5f3a\u5927\u7684\u6570\u636e\u5904\u7406\u80fd\u529b\u4e0e\u5148\u8fdb\u7b97\u6cd5\uff0cAI \u80fd\u7cbe\u51c6\u8bc6\u522b\u975e\u6cd5\u6d3b\u52a8\uff0c\u4f7f\u5d4c\u5165\u5f0f\u91d1\u878d\u6210\u4e3a\u672a\u6765\u4ea4\u6613\u7684\u5b89\u5168\u4e4b\u9009\u3002\u5728\u91d1\u878d\u5305\u5bb9\u6027\u65b9\u9762\uff0cAI \u9a71\u52a8\u7684\u4fe1\u7528\u8bc4\u5206\u7cfb\u7edf\u53ef\u5e2e\u52a9\u7f3a\u4e4f\u4f20\u7edf\u5f81\u4fe1\u8bb0\u5f55\u7684\u4eba\u7fa4\u83b7\u5f97\u8d37\u6b3e\uff0c\u6709\u671b\u7f29\u5c0f\u201c\u6709\u4ea7\u8005\u201d\u4e0e\u201c\u65e0\u4ea7\u8005\u201d\u4e4b\u95f4\u7684\u91d1\u878d\u5dee\u8ddd\u3002<\/p>\n<p>\u4e8b\u5b9e\u4e0a\uff0c\u968f\u7740\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u6d8c\u73b0\u51fa\u4e00\u7cfb\u5217\u4ee4\u4eba\u77a9\u76ee\u7684\u521b\u65b0\u6210\u679c\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u6700\u7ec8\u6709\u671b\u5e2e\u52a9\u65b0\u5174\u5e02\u573a\u4e0e\u6210\u719f\u5e02\u573a\u7ade\u4e89\u5bf9\u624b\u5c55\u5f00\u66f4\u516c\u5e73\u7684\u7ade\u4e89\u3002<\/p>\n<h2>\u4e2d\u4e1c\u4e0e\u5317\u975e\u5730\u533a\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u53d1\u5c55\u73b0\u72b6\u5982\u4f55\uff1f<\/h2>\n<p>\u5c3d\u7ba1\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u5f53\u524d\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u5e02\u573a\u89c4\u6a21\u5c1a\u5c0f\uff0c\u4f46\u8be5\u5730\u533a\u5df2\u5f62\u6210\u6781\u5177\u6f5c\u529b\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u751f\u6001\u7cfb\u7edf\uff0c\u5177\u5907\u5feb\u901f\u6269\u5f20\u7684\u80fd\u529b\u3002\u4e8b\u5b9e\u4e0a\uff0c\u7531\u4e8e\u4e2d\u4e1c\u672c\u8eab\u662f\u79d1\u6280\u521b\u65b0\u7684\u70ed\u571f\uff0c\u9884\u8ba1\u672c\u5341\u5e74\u5185\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u589e\u901f\u5c06\u8fbe\u5230\u5168\u7403\u5176\u4ed6\u5730\u533a\u7684\u4e24\u500d\u3002<a href=\"#_ftn10\" name=\"_ftnref10\">[10]<\/a><\/p>\n<p><em><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123923\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\u00a0<\/em><\/p>\n<p>\u8fd9\u4e00\u53d1\u5c55\u8d8b\u52bf\u7684\u63a8\u52a8\u56e0\u7d20\uff0c\u4e00\u65b9\u9762\u6765\u81ea\u7535\u4fe1\u516c\u53f8\u3001\u96f6\u552e\u5546\u53ca\u79d1\u6280\u521d\u521b\u4f01\u4e1a\u7684\u5927\u989d\u6295\u8d44\uff0c\u53e6\u4e00\u65b9\u9762\u5219\u6e90\u4e8e\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u5bf9\u201c\u5f00\u653e\u94f6\u884c\u201d\u6587\u5316\u7684\u63a5\u7eb3\u3002\u5f00\u653e\u94f6\u884c\u5141\u8bb8\u91d1\u878d\u673a\u6784\u5411\u7b2c\u4e09\u65b9\u5f00\u53d1\u8005\u5f00\u653e\u6570\u636e\uff0c\u662f\u53d1\u5c55\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u5fc5\u8981\u524d\u63d0\u3002\u5728\u56fd\u5bb6\u5c42\u9762\uff0c\u8be5\u6a21\u5f0f\u4e5f\u83b7\u5f97\u4e86\u6cd5\u89c4\u7684\u5927\u529b\u652f\u6301\uff0c\u4f8b\u5982<a href=\"https:\/\/www.bahrainedb.com\/bahrain-pulse\/launching-the-open-banking-revolution-in-the-middle-east-via-fintastic-bahrain\">\u5df4\u6797\u7684\u300a\u5f00\u653e\u94f6\u884c\u6846\u67b6\u300b<\/a>\u3001<a href=\"https:\/\/www.centralbank.ae\/media\/mdupathy\/cbuae-launches-a-financial-infrastructure-transformation-programme-to-accelerate-the-digital-transformation-of-the-financial-services-sector-en.pdf\">\u963f\u8054\u914b\u7684\u300a\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u8f6c\u578b\u8ba1\u5212\u300b\u4ee5\u53ca<\/a><a href=\"https:\/\/openbanking.sa\/index-en.html\">\u6c99\u7279\u963f\u62c9\u4f2f\u7684\u300a\u5f00\u653e\u94f6\u884c\u653f\u7b56\u300b<\/a>\u3002<\/p>\n<p>\u4e2d\u4e1c\u548c\u5317\u975e\u5730\u533a\u7684\u4f01\u4e1a\u5df2\u654f\u9510\u6355\u6349\u5230\u8fd9\u4e00\u8d8b\u52bf\uff0c\u5e76\u5c55\u5f00\u76f8\u5e94\u6295\u8d44\u3002\u5176\u4e2d\u503c\u5f97\u5173\u6ce8\u7684\u9886\u57df\u5305\u62ec\u5148\u4e70\u540e\u4ed8 (BNPL) \u521d\u521b\u4f01\u4e1a\u3001\u4e00\u4f53\u5316\u6570\u5b57\u94f6\u884c\u5e73\u53f0\uff0c\u4ee5\u53ca\u4e00\u7cfb\u5217\u65b0\u578b\u4fdd\u9669\u79d1\u6280\u2014\u2014\u5d4c\u5165\u5f0f\u6a21\u5f0f\u6b63\u5728\u91cd\u5851\u4fdd\u9669\u670d\u52a1\u573a\u666f\uff1a\u4ece\u9884\u8ba2\u884c\u7a0b\u65f6\u7684\u65c5\u884c\u9669\uff0c\u5230\u5d4c\u5165\u65e5\u5e38\u6d88\u8d39\u573a\u666f\u7684\u5065\u5eb7\u3001\u51fa\u884c\u53ca\u8bbe\u5907\u5c0f\u989d\u4fdd\u9669\u3002\u6253\u8f66\u5e94\u7528\u7a0b\u5e8f Uber \u4e0e\u4fdd\u9669\u5de8\u5934 Axa \u66fe\u8fbe\u6210\u4e00\u9879\u5907\u53d7\u5173\u6ce8\u7684\u5408\u4f5c\uff0c\u4e3a\u6c99\u7279\u963f\u62c9\u4f2f\u7684\u51fa\u79df\u8f66\u53ca\u914d\u9001\u884c\u4e1a\u63d0\u4f9b\u5b9a\u5236\u5316\u4fdd\u9669\u65b9\u6848\uff0c\u540c\u65f6\u4e3a\u6240\u6709\u4f7f\u7528 Uber \u5e94\u7528\u7684\u7528\u6237\u63d0\u4f9b\u533b\u7597\u4e0e\u6cd5\u5f8b\u4fdd\u969c\u3002<a href=\"#_ftn11\" name=\"_ftnref11\">[11]<\/a>\u6700\u8fd1\uff0c\u6c99\u7279\u7535\u4fe1\u516c\u53f8 (STC) \u4e0e BNPL \u5e73\u53f0 Tamara \u5408\u4f5c\uff0c\u4e3a STC \u7535\u5b50\u4ea7\u54c1\u53ca\u7cbe\u54c1\u914d\u4ef6\u7684\u6d88\u8d39\u8005\u63d0\u4f9b\u5206\u671f\u4ed8\u6b3e\u670d\u52a1\uff0c\u5927\u5e45\u62d3\u5bbd\u4e86\u6f5c\u5728\u5ba2\u6237\u7fa4\u4f53<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>\u3002<\/p>\n<p>\u5728\u963f\u8054\u914b\uff0c\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u53d1\u5c55\u52bf\u5934\u5c24\u4e3a\u8fc5\u731b\u3002\u5f97\u76ca\u4e8e\u7535\u5b50\u5546\u52a1\u7684\u5feb\u901f\u589e\u957f\u53ca\u6570\u5b57\u57fa\u7840\u8bbe\u65bd\u7684\u5f3a\u52b2\u6295\u8d44\uff0c\u9884\u8ba1\u5230 2029 \u5e74\uff0c\u8be5\u5730\u533a\u5d4c\u5165\u5f0f\u91d1\u878d\u884c\u4e1a\u7684\u590d\u5408\u5e74\u589e\u957f\u7387 (CAGR) \u5c06\u8fbe\u5230 28.6%\u3002<a href=\"#_ftn13\" name=\"_ftnref13\">[13]<\/a>\u603b\u90e8\u4f4d\u4e8e\u8fea\u62dc\u7684 Careem Pay \u6301\u7eed\u62d3\u5c55\u56fd\u9645\u6c47\u6b3e\u670d\u52a1\uff0c\u4eca\u5e74\u65b0\u589e\u4e86 18 \u4e2a\u6b27\u6d32\u56fd\u5bb6\u4f5c\u4e3a\u5176\u8ba4\u53ef\u7684\u8f6c\u8d26\u76ee\u7684\u5730<a href=\"#_ftn14\" name=\"_ftnref14\">[14]<\/a>\u3002\u4e0e\u6b64\u540c\u65f6\uff0c\u603b\u90e8\u4f4d\u4e8e\u8fea\u62dc\u7684\u5728\u7ebf\u7535\u5546\u5e73\u53f0 Noon \u5219\u63a8\u51fa\u4e86\u6570\u5b57\u94b1\u5305 <a href=\"https:\/\/www.noon.com\/uae-en\/noon-pay\/\">Noon Pay<\/a>\u3002\u901a\u8fc7 Noon Pay\uff0c\u7528\u6237\u53ef\u5229\u7528 iOS \u6216 Android \u624b\u673a\u4e0a\u7684\u5b89\u5168\u5e94\u7528\uff0c\u7ed1\u5b9a Visa \u6216 Mastercard \u4fe1\u7528\u5361\u4e3a\u94b1\u5305\u5145\u503c\u3002\u5c55\u671b\u672a\u6765\uff0c\u963f\u8054\u914b\u7684\u201c\u9752\u5e74\u6295\u8d44\u8005\u8ba1\u5212\u201d\u6b63\u4e3a\u672a\u6765\u7684\u521b\u4e1a\u8005\u63d0\u4f9b\u6240\u9700\u7684\u91d1\u878d\u4e0e\u6570\u5b57\u6280\u80fd\u57f9\u8bad\uff0c\u52a9\u529b\u4ed6\u4eec\u6210\u4e3a\u5d4c\u5165\u5f0f\u91d1\u878d\u9886\u57df\u7684\u4e13\u4e1a\u4ece\u4e1a\u8005<a href=\"#_ftn15\" name=\"_ftnref15\">[15]<\/a>\u3002\u4e16\u754c\u7ecf\u6d4e\u8bba\u575b\u5728\u5f3a\u8c03\u963f\u8054\u914b\u91d1\u878d\u884c\u4e1a\u201c\u7ade\u5408\u201d\uff08\u5373\u7ade\u4e89\u4e0e\u5408\u4f5c\u7684\u878d\u5408\uff09\u7cbe\u795e\u65f6\u6307\u51fa\uff0c\u672a\u6765\u6570\u5341\u5e74\u5185\uff0c\u963f\u8054\u914b\u6709\u671b\u6210\u4e3a\u5168\u7403\u91d1\u878d\u79d1\u6280\u4e2d\u5fc3\u3002<a href=\"#_ftn16\" name=\"_ftnref16\">[16]<\/a><\/p>\n<p>\u5b89\u5229\u6377\u96c6\u56e2\u65d7\u4e0b\u7684\u91d1\u878d\u670d\u52a1\u4f01\u4e1a\uff0c\u540c\u6837\u5728\u8be5\u5730\u533a\u79ef\u6781\u63a8\u8fdb\u591a\u9879\u5d4c\u5165\u5f0f\u91d1\u878d\u9879\u76ee\u3002<\/p>\n<ul>\n<li>2023 \u5e74\uff0c\u4f4d\u4e8e\u6c99\u7279\u963f\u62c9\u4f2f\u7684 <a href=\"https:\/\/www.aljfinance.com\/en\">Abdul Latif Jameel Finance<\/a> \u516c\u53f8\u63a8\u51fa\u4e86 <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.aljfs.jameelbusiness&amp;hl=en_GB\">Jameel Business<\/a> \u5e94\u7528\u7a0b\u5e8f\uff0c\u8fd9\u662f\u8be5\u56fd\u9996\u4e2a\u4e13\u95e8\u9762\u5411\u4e2d\u5c0f\u4f01\u4e1a\u7684\u6570\u5b57\u5316\u878d\u8d44\u5e73\u53f0\uff0c\u53ef\u63d0\u4f9b\u6700\u9ad8 1500 \u4e07\u91cc\u4e9a\u5c14\u7684\u4fe1\u8d37\u989d\u5ea6\u3002<\/li>\n<li>2022 \u5e74\uff0cAbdul Latif Jameel Finance \u8fd8\u63a8\u51fa\u4e86\u5176\u4e2a\u4eba\u8d37\u6b3e\u5e94\u7528\u7a0b\u5e8f <a href=\"https:\/\/www.aljfinance.com\/en\/about-us\/news\/abdul-latif-jameel-finance-launches-new-mobile-app-cash-loan-product-saudi-arabia\">Cash Jameel<\/a>\u3002\u4f5c\u4e3a\u6c99\u7279\u963f\u62c9\u4f2f\u9996\u6279\u540c\u7c7b\u4ea7\u54c1\u4e4b\u4e00\uff0cCash Jameel \u5141\u8bb8\u4e2a\u4eba\u7533\u8bf7 1 \u4e07\u81f3 2 \u4e07\u91cc\u4e9a\u5c14\u7684\u4e2a\u4eba\u8d37\u6b3e\u3002\u8be5\u5e94\u7528\u754c\u9762\u8bbe\u8ba1\u7b80\u6d01\u6613\u7528\uff0c\u53ef\u5728\u6570\u5206\u949f\u5185\u5904\u7406\u8d37\u6b3e\u7533\u8bf7\uff0c\u4e14\u652f\u6301\u7535\u5b50\u7b7e\u7ea6\uff0c\u65e0\u9700\u7e41\u7410\u7684\u7eb8\u8d28\u6d41\u7a0b\u3002<\/li>\n<li>\u571f\u8033\u5176\u4e5f\u6709\u7c7b\u4f3c\u6848\u4f8b\uff0c<a href=\"https:\/\/www.aljfinans.com.tr\/\">ALJ Finans<\/a> \u81ea 2017 \u5e74\u4ee5\u6765\u4e00\u76f4\u8fd0\u8425<a href=\"https:\/\/alj.com\/en\/news\/alj-finans-wins-gold-international-interactive-media-award-for-kredimol-mobile-app\/\">\u7740\u5c61\u83b7\u6b8a\u8363\u7684 <\/a><u>ALJPay<\/u> \u4fe1\u8d37\u7533\u8bf7\u5e94\u7528\u7a0b\u5e8f\u3002\u7528\u6237\u53ef\u901a\u8fc7\u8be5\u5e94\u7528\u7b5b\u9009\u5fc3\u4eea\u6c7d\u8f66\u54c1\u724c\u6765\u67e5\u627e\u65b0\u8f66\uff0c\u540c\u65f6\u4eab\u53d7\u4e3a\u7ec8\u7aef\u5ba2\u6237\u3001\u7ecf\u9500\u5546\u8bbe\u8ba1\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u670d\u52a1\u53ca\u8fd8\u6b3e\u8ba1\u5212\uff0c\u4e14\u7535\u5b50\u5408\u540c\u53ef\u5728 5 \u5206\u949f\u5185\u901a\u8fc7\u90ae\u4ef6\u53d1\u9001\u3002<\/li>\n<li>\u5728\u963f\u8054\u914b\uff0c<a href=\"https:\/\/jimco.com\/en\/funds\/technology\/\">JIMCO \u7684\u79d1\u6280\u57fa\u91d1<\/a>\u6295\u8d44\u4e86 BNPL \u670d\u52a1\u5546 <a href=\"https:\/\/jimco.com\/en\/portfolio\/tabby\/\">Tabby<\/a>\uff0c\u8be5\u5e73\u53f0\u5df2\u4e0e Ikea\u3001Nike \u7b49\u56fd\u9645\u77e5\u540d\u54c1\u724c\u8fbe\u6210\u5408\u4f5c\u3002Tabby \u5141\u8bb8\u6d88\u8d39\u8005\u5c06\u6d88\u8d39\u91d1\u989d\u62c6\u5206\u4e3a\u591a\u671f\u514d\u606f\u8fd8\u6b3e\uff0c\u5e76\u5728\u6307\u5b9a\u96f6\u552e\u5546\u5904\u4eab\u53d7\u8fd4\u73b0\u4f18\u60e0\u3002<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"JIMCO Technology Fund  talks to tabby Founder Hosam Arab EN 16x9\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/V9hyTxtVsdM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<ul>\n<li>JIMCO \u8fd8\u6295\u8d44\u4e86\u571f\u8033\u5176\u91d1\u878d\u79d1\u6280\u521d\u521b\u516c\u53f8 <a href=\"https:\/\/jimco.com\/en\/portfolio\/figopara\/\">Figopara<\/a>\uff0c\u8be5\u4f01\u4e1a\u901a\u8fc7\u5ef6\u957f\u8425\u8fd0\u8d44\u91d1\u52a9\u529b\u4f01\u4e1a\u7ef4\u6301\u8d44\u91d1\u5468\u8f6c\u3002\u9488\u5bf9\u73b0\u4ee3\u5546\u4e1a\u9700\u6c42\uff0cFigopara \u91cd\u65b0\u8bbe\u8ba1\u4e86\u4f9b\u5e94\u94fe\u91d1\u878d\u6a21\u5f0f\uff1a\u65e2\u5141\u8bb8\u4f01\u4e1a\u5ef6\u957f\u4ed8\u6b3e\u671f\u9650\uff0c\u540c\u65f6\u53c8\u80fd\u8ba9\u4f9b\u5e94\u5546\u63d0\u524d\u6536\u5230\u8d27\u6b3e\uff0c\u5b9e\u73b0\u4e86\u4f9b\u9700\u53cc\u65b9\u7684\u201c\u53cc\u8d62\u201d\u3002<\/li>\n<li>\u603b\u90e8\u4f4d\u4e8e\u963f\u8054\u914b\u7684 <a href=\"https:\/\/jimco.com\/en\/portfolio\/tmam\/\">tmam<\/a> \u83b7\u5f97\u4e86 JIMCO \u7684\u652f\u6301\uff0c\u4ee5\u52a0\u901f\u5176\u9762\u5411\u4e2d\u5c0f\u4f01\u4e1a\u53ca\u521b\u4e1a\u8005\u7684\u201c\u652f\u51fa\u4e0e\u8d39\u7528\u7ba1\u7406\u201d\u5e73\u53f0\u5f00\u53d1\u3002tmam \u7684\u6280\u672f\u53ef\u5b9e\u65f6\u76d1\u63a7\u652f\u51fa\u60c5\u51b5\uff0c\u5e76\u63d0\u4f9b\u667a\u80fd\u516c\u53f8\u5361\u4ee5\u52a0\u5f3a\u73b0\u91d1\u6d41\u7ba1\u63a7\uff0c\u65e2\u80fd\u8282\u7701\u65f6\u95f4\uff0c\u53c8\u80fd\u907f\u514d\u9ad8\u989d\u5931\u8bef\u6210\u672c\u3002<\/li>\n<li>\u6b64\u5916\uff0cJIMCO \u8fd8\u6295\u8d44\u4e86\u91d1\u878d\u5e73\u53f0 <a href=\"https:\/\/jimco.com\/en\/portfolio\/ziina\/\">Ziina<\/a>\uff0c\u8be5\u5e73\u53f0\u4e3a\u963f\u8054\u914b\u5404\u5730\u7684\u4f01\u4e1a\u53ca\u4e2a\u4eba\u63d0\u4f9b\u5373\u65f6\u8f6c\u8d26\u3001\u4e8c\u7ef4\u7801\u652f\u4ed8\u53ca\u5b89\u5168\u652f\u4ed8\u7f51\u5173\u670d\u52a1\u3002\u76ee\u524d Ziina \u7684\u6d3b\u8dc3\u7528\u6237\u5df2\u8d85\u8fc7 5 \u4e07\u4eba\uff0c\u4e0d\u4e45\u540e\u8fd8\u5c06\u63a8\u51fa\u81ea\u6709\u94f6\u884c\u5361 ZiiCard\uff0c\u7528\u6237\u53ef\u901a\u8fc7\u8be5\u5361\u5373\u65f6\u4f7f\u7528\u6570\u5b57\u94b1\u5305\u4e2d\u7684\u4f59\u989d\u3002<\/li>\n<\/ul>\n<p><iframe loading=\"lazy\" title=\"JIMCO Technology Fund speaks to Faisal Toukan, CEO Ziina (EN VO Subs)\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/d10Ci9uIbMI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>\u8fd9\u4e9b\u9879\u76ee\u7684\u610f\u4e49\u8fdc\u4e0d\u6b62\u4e8e\u4fbf\u6377\u652f\u4ed8\u3002\u8fd9\u4e9b\u4e3e\u63aa\uff08\u53ca\u66f4\u591a\u540c\u7c7b\u4e3e\u63aa\uff09\u8868\u660e\uff0c\u5d4c\u5165\u5f0f\u8d37\u6b3e\uff08\u4e0d\u4ec5\u5305\u62ec BNPL\uff0c\u8fd8\u6db5\u76d6\u4e2d\u5c0f\u4f01\u4e1a\u878d\u8d44\u4e0e\u4e2a\u4eba\u8d37\u6b3e\uff09\u6b63\u6210\u4e3a\u8be5\u5730\u533a\u91d1\u878d\u9886\u57df\u7684\u4e3b\u6d41\u7279\u5f81\u3002\u8fd9\u4e0d\u4ec5\u4e3a\u4e2d\u5c0f\u4f01\u4e1a\u3001\u96f6\u5de5\u5de5\u4f5c\u8005\u53ca\u6d88\u8d39\u8005\u5f00\u8f9f\u4e86\u65b0\u7684\u4fe1\u8d37\u6e20\u9053\uff0c\u66f4\u91cd\u5851\u4e86\u91d1\u878d\u670d\u52a1\u7684\u83b7\u53d6\u65b9\u5f0f\u3002<\/p>\n<p>\u5728\u5d4c\u5165\u5f0f\u91d1\u878d\u6210\u4e3a\u5168\u7403\uff08\u5c24\u5176\u662f\u4e2d\u4e1c\u5730\u533a\uff09\u7126\u70b9\u8bdd\u9898\u7684\u5f53\u4e0b\uff0c\u5176\u8fdb\u4e00\u6b65\u63a8\u5e7f\u662f\u5426\u5b58\u5728\u969c\u788d\uff1f\u516c\u5171\u90e8\u95e8\u4e0e\u79c1\u8425\u90e8\u95e8\u53c8\u5e94\u5982\u4f55\u4e3a\u5176\u65e5\u76ca\u63d0\u5347\u7684\u5f71\u54cd\u529b\u505a\u597d\u51c6\u5907\uff1f<\/p>\n<h2>\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u672a\u6765\u4f55\u5728\uff1f<\/h2>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u6280\u672f\u5df2\u4e3a\u6784\u5efa\u6d3b\u8dc3\u7684\u56fd\u9645\u4f53\u7cfb\u5960\u5b9a\u57fa\u7840\uff0c\u4f46\u5168\u7403\u8303\u56f4\u5185\u7684\u666e\u53ca\u5e76\u975e\u5fc5\u7136\u3002\u5f00\u53d1\u4eba\u5458\u9700\u7814\u53d1\u6bd4\u73b0\u6709\u7248\u672c\u66f4\u5177\u901a\u7528\u6027\u7684\u65b0\u4e00\u4ee3 API\uff0c\u786e\u4fdd\u4efb\u4f55\u5e73\u53f0\u90fd\u80fd\u5feb\u901f\u3001\u7b80\u4fbf\u5730\u5728\u5176\u7528\u6237\u754c\u9762\u4e2d\u96c6\u6210\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<p>\u8d2d\u4e70\u65b0\u578b API \u6280\u672f\u7684\u9ad8\u6602\u6210\u672c\uff0c\u4ee5\u53ca\u4f01\u4e1a\u5bf9\u81ea\u8eab\u6280\u672f\u80fd\u529b\u4e0d\u8db3\u7684\u62c5\u5fe7\uff0c\u5bfc\u81f4\u8bb8\u591a\u4f01\u4e1a\u8fdf\u8fdf\u672a\u80fd\u8fc8\u51fa\u8f6c\u578b\u6b65\u4f10\u3002<\/p>\n<p>\u4e0d\u540c\u56fd\u5bb6\u95f4\u590d\u6742\u4e14\u6709\u65f6\u76f8\u4e92\u77db\u76fe\u7684\u6cd5\u89c4\uff0c\u4e5f\u53ef\u80fd\u963b\u788d\u884c\u4e1a\u53d1\u5c55\u3002\u79d1\u6280\u516c\u53f8\u3001\u94f6\u884c\u4e0e\u96f6\u552e\u5546\u9700\u8981\u6e05\u6670\u7edf\u4e00\u7684\u7acb\u6cd5\u652f\u6301\uff0c\u624d\u80fd\u66f4\u6709\u4fe1\u5fc3\u5730\u8fdb\u884c\u5927\u80c6\u6295\u8d44\u3002<\/p>\n<p>\u5728\u5168\u7403\u6f5c\u5728\u5ba2\u6237\u7fa4\u4f53\u4e2d\uff0c\u4ecd\u6709\u5927\u91cf\u4e2a\u4eba\u4e0e\u4e2d\u5c0f\u4f01\u4e1a\u5c1a\u672a\u610f\u8bc6\u5230\u5d4c\u5165\u5f0f\u91d1\u878d\u4ea7\u54c1\u7684\u4f18\u52bf\uff08\u751a\u81f3\u672a\u66fe\u77e5\u6653\u5176\u5b58\u5728\uff09\u3002\u4e0e\u6240\u6709\u76f8\u5bf9\u65b0\u5174\u7684\u6280\u672f\u4e00\u6837\uff0c\u516c\u4f17\u5bf9\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u4fe1\u4efb\u5ea6\u4e0e\u5b89\u5168\u6027\u4ecd\u5b58\u7591\u8651\u3002<\/p>\n<p>\u5e78\u8fd0\u7684\u662f\uff0c\u89e3\u51b3\u8fd9\u4e9b\u969c\u788d\u7684\u65b9\u6848\u5df2\u5341\u5206\u660e\u786e\uff1a\u7531\u516c\u5171\u90e8\u95e8\u4e0e\u79c1\u8425\u90e8\u95e8\u5171\u540c\u51fa\u8d44\uff0c\u52a0\u5927\u5bf9\u65b0\u578b API \u7814\u53d1\u7684\u6295\u5165\uff1b\u91c7\u7528\u7edf\u4e00\u7684\u76d1\u7ba1\u601d\u8def\uff0c\u786e\u4fdd\u65e0\u8bba\u5728\u7ebf\u4ea4\u6613\u53d1\u751f\u5728\u5168\u7403\u4f55\u5904\uff0c\u6240\u9762\u4e34\u7684\u6280\u672f\u4e0e\u6cd5\u5f8b\u6311\u6218\u4fdd\u6301\u4e00\u81f4\uff1b\u5236\u5b9a\u66f4\u6709\u6548\u7684\u5ba2\u6237\u6c9f\u901a\u7b56\u7565\uff0c\u589e\u5f3a\u5bf9\u79d1\u6280\u6301\u8c28\u614e\u6001\u5ea6\u4eba\u7fa4\u7684\u4fe1\u4efb\u3002\u5047\u4ee5\u65f6\u65e5\uff0c\u89c4\u6a21\u6548\u5e94\u5c06\u964d\u4f4e\u6280\u672f\u5e94\u7528\u7684\u51c6\u5165\u6210\u672c\u3002<\/p>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u4ecd\u5728\u8df3\u8f6c\u7b2c\u4e09\u65b9\u5e73\u53f0\u5b8c\u6210\u652f\u4ed8\u7684\u4f01\u4e1a\uff1f \u8fd9\u4e9b\u516c\u53f8\u53ef\u9009\u62e9\u6295\u8d44\u6570\u5b57\u57fa\u7840\u8bbe\u65bd\u4e0e\u6570\u636e\u67b6\u6784\u2014\u2014\u8fd9\u6837\u65e2\u80fd\u5b9e\u73b0\u672a\u6765\u4ea4\u6613\u7684\u5185\u90e8\u7ba1\u7406\uff0c\u53c8\u80fd\u5f00\u8f9f\u65b0\u7684\u6536\u5165\u6765\u6e90\u3002<\/p>\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\u5df2\u6084\u7136\u878d\u5165\u6211\u4eec\u7684\u751f\u6d3b\u3002\u5b83\u4e0e\u65e5\u5e38\u5e94\u7528\u53ca\u7f51\u7ad9\u7684\u878d\u5408\u901f\u5ea6\u8fd8\u5c06\u8fdb\u4e00\u6b65\u52a0\u5feb\u30022024 \u5e74\u7684\u4e00\u9879\u8c03\u67e5\u663e\u793a\uff0c\u7ea6 77% \u7684\u9ad8\u7ba1\u8868\u793a\u5176\u4f01\u4e1a\u5df2\u96c6\u6210\u5d4c\u5165\u5f0f\u91d1\u878d\uff0c\u6216\u6b63\u8003\u8651\u5728\u8fd1\u671f\u5b9e\u65bd\u3002<a href=\"#_ftn17\" name=\"_ftnref17\">[17]<\/a>\u4f46\u9700\u8b66\u60d5\u7684\u662f\uff0c\u540c\u4e00\u9879\u8c03\u67e5\u4e5f\u663e\u793a\uff0c\u4e94\u5206\u4e4b\u56db\u7684\u4f01\u4e1a\u9886\u5bfc\u8005\u627f\u8ba4\u4ed6\u4eec\u5728\u4e00\u5b9a\u7a0b\u5ea6\u4e0a\uff08\u6216\u4e25\u91cd\uff09\u4f4e\u4f30\u4e86\u5c06\u5d4c\u5165\u5f0f\u91d1\u878d\u7eb3\u5165\u81ea\u8eab\u5546\u4e1a\u6a21\u5f0f\u7684\u590d\u6742\u6027\u3002\u56e0\u6b64\uff0c\u505a\u597d\u5145\u5206\u51c6\u5907\u81f3\u5173\u91cd\u8981\u3002<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-123937\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" srcset=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg 2560w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-300x215.jpg 300w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-1024x735.jpg 1024w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-150x108.jpg 150w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-768x551.jpg 768w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-1536x1103.jpg 1536w, https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-2048x1470.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><\/p>\n<p>\u5728\u8fd9\u4e2a\u65f6\u95f4\u5b9d\u8d35\u7684\u65f6\u4ee3\uff0c\u4fbf\u6377\u6027\u81f3\u5173\u91cd\u8981\u3002\u56e0\u6b64\uff0cAPI \u9a71\u52a8\u7684\u6280\u672f\u6ce8\u5b9a\u5c06\u6210\u4e3a\u6211\u4eec\u65e5\u5e38\u751f\u6d3b\u4e2d\u65e0\u5f62\u7684\u5408\u4f5c\u4f19\u4f34\u3002\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u6838\u5fc3\u662f\u6784\u5efa\u751f\u6001\u7cfb\u7edf\uff0c\u8ba9\u91d1\u878d\u670d\u52a1\u6210\u4e3a\u6570\u5b57\u751f\u6d3b\uff08\u4ece\u51fa\u884c\u5230\u6559\u80b2\uff09\u7684\u81ea\u7136\u7ec4\u6210\u90e8\u5206\u3002\u5b83\u4e0d\u4ec5\u4e3a\u4e2a\u4eba\u63d0\u5347\u4e86\u6548\u7387\uff0c\u4e5f\u4e3a\u4f01\u4e1a\u521b\u9020\u4e86\u65b0\u7684\u6536\u5165\u673a\u4f1a\u2014\u2014\u5145\u5206\u5c55\u73b0\u4e86\u79d1\u6280\u521b\u65b0\u91ca\u653e\u6f5c\u529b\u3001\u79d1\u6280\u4e0e\u5546\u4e1a\u78b0\u649e\u878d\u5408\u6240\u80fd\u8fbe\u6210\u7684\u6210\u5c31\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> <a href=\"https:\/\/www.precedenceresearch.com\/embedded-finance-market\">https:\/\/www.precedenceresearch.com\/embedded-finance-market<\/a><\/p>\n<p><a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/www.marqeta.com\/blog\/real-world-examples-of-embedded-finance\">https:\/\/www.marqeta.com\/blog\/real-world-examples-of-embedded-finance<\/a><\/p>\n<p><a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html\">https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html<\/a><\/p>\n<p><a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion\">https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion<\/a><\/p>\n<p><a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift\">https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift<\/a><\/p>\n<p><a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/\">https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/<\/a><\/p>\n<p><a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map\">https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map<\/a><\/p>\n<p><a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/\">https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/<\/a><\/p>\n<p><a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html\">https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html<\/a><\/p>\n<p><a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market\">https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market<\/a><\/p>\n<p><a href=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> <a href=\"https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/\">https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/<\/a><\/p>\n<p><a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> <a href=\"https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai\">https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai<\/a><\/p>\n<p><a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a><\/p>\n<p><a href=\"#_ftnref17\" name=\"_ftn17\">[17]<\/a> https:\/\/www.pathward.com\/news\/how-embedded-finance-is-transforming-the-world-of-consumer-banki<\/p>\n","protected":false},"author":18,"featured_media":123966,"template":"","tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae<\/title>\n<meta name=\"description\" content=\"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alj.com\/zh-hans\/perspective\/\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae\" \/>\n<meta property=\"og:description\" content=\"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alj.com\/zh-hans\/perspective\/\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-09T06:52:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/2464812775-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data1\" content=\"1\u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/\",\"url\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/\",\"name\":\"\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae\",\"isPartOf\":{\"@id\":\"https:\/\/alj.com\/en\/#website\"},\"datePublished\":\"2025-10-15T13:11:06+00:00\",\"dateModified\":\"2026-01-09T06:52:54+00:00\",\"description\":\"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002\",\"breadcrumb\":{\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alj.com\/zh-hans\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Perspectives\",\"item\":\"https:\/\/alj.com\/ja\/perspective\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alj.com\/en\/#website\",\"url\":\"https:\/\/alj.com\/en\/\",\"name\":\"Abdul Latif Jameel\",\"description\":\"Abdul Latif Jameel\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alj.com\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"zh-CN\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae","description":"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alj.com\/zh-hans\/perspective\/\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f\/","og_locale":"zh_CN","og_type":"article","og_title":"\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae","og_description":"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002","og_url":"https:\/\/alj.com\/zh-hans\/perspective\/\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f\/","og_site_name":"Abdul Latif Jameel","article_publisher":"https:\/\/www.facebook.com\/Abdul.Latif.Jameel.Official","article_modified_time":"2026-01-09T06:52:54+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/2464812775-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"1\u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/","url":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/","name":"\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae","isPartOf":{"@id":"https:\/\/alj.com\/en\/#website"},"datePublished":"2025-10-15T13:11:06+00:00","dateModified":"2026-01-09T06:52:54+00:00","description":"\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002","breadcrumb":{"@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/alj.com\/zh-hans\/perspective\/%e9%87%91%e8%9e%8d%e7%9a%84%e6%9c%aa%e6%9d%a5%e6%98%af%e5%90%a6%e6%af%94%e6%88%91%e4%bb%ac%e6%83%b3%e8%b1%a1%e7%9a%84%e6%9b%b4%e8%bf%91%ef%bc%9f\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alj.com\/zh-hans\/"},{"@type":"ListItem","position":2,"name":"Perspectives","item":"https:\/\/alj.com\/ja\/perspective\/"},{"@type":"ListItem","position":3,"name":"\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f"}]},{"@type":"WebSite","@id":"https:\/\/alj.com\/en\/#website","url":"https:\/\/alj.com\/en\/","name":"Abdul Latif Jameel","description":"Abdul Latif Jameel","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alj.com\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"zh-CN"}]}},"post-meta-fields":{"amazonS3_cache":["a:8:{s:104:\"\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-scaled.jpg\";a:2:{s:2:\"id\";i:123930;s:11:\"source_type\";s:13:\"media-library\";}s:98:\"\/\/alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Size-2024-to-2034-USD-Billion_001-scaled.jpg\";a:2:{s:2:\"id\";i:123930;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"\/\/media.alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-scaled.jpg\";a:2:{s:2:\"id\";i:123916;s:11:\"source_type\";s:13:\"media-library\";}s:70:\"\/\/alj.com\/app\/uploads\/2025\/10\/API-technology-in-finance_001-scaled.jpg\";a:2:{s:2:\"id\";i:123916;s:11:\"source_type\";s:13:\"media-library\";}s:96:\"\/\/media.alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg\";a:2:{s:2:\"id\";i:123923;s:11:\"source_type\";s:13:\"media-library\";}s:90:\"\/\/alj.com\/app\/uploads\/2025\/10\/Embedded-Finance-Market-Share-By-Region-2024-_001-scaled.jpg\";a:2:{s:2:\"id\";i:123923;s:11:\"source_type\";s:13:\"media-library\";}s:106:\"\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg\";a:2:{s:2:\"id\";i:123937;s:11:\"source_type\";s:13:\"media-library\";}s:100:\"\/\/alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg\";a:2:{s:2:\"id\";i:123937;s:11:\"source_type\";s:13:\"media-library\";}}"],"content_series_applied":[""],"featured_on_listing_page":["0"],"is_latest_news":["0"],"mobile_featured_image":["https:\/\/media.alj.com\/app\/uploads\/2025\/10\/2464812775-scaled.jpg"],"perspective_location":["\u963f\u8054\u914b\u8fea\u62dc"],"perspective_short_title":["\u91d1\u878d\u7684\u672a\u6765\u662f\u5426\u6bd4\u6211\u4eec\u60f3\u8c61\u7684\u66f4\u8fd1\uff1f"],"perspective_summury":["<p>\u5f88\u6709\u53ef\u80fd\uff0c\u4f60\u5df2\u7ecf\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u9886\u57df\u7684\u4e13\u5bb6\u4e86\u2014\u2014\u53ea\u662f\u4f60\u81ea\u5df1\u5e76\u6ca1\u6709\u610f\u8bc6\u5230\u8fd9\u4e00\u70b9\u3002\u5d4c\u5165\u5f0f\u91d1\u878d\u65e0\u5904\u4e0d\u5728\uff0c\u5b83\u4e0e\u73b0\u4ee3\u751f\u6d3b\u7d27\u5bc6\u4ea4\u7ec7\uff0c\u4ee5\u81f3\u4e8e\u6211\u4eec\u5728\u4e0e\u4e4b\u4e92\u52a8\u65f6\u51e0\u4e4e\u5bdf\u89c9\u4e0d\u5230\u3002<\/p>\n"],"publish_mobile":[""],"push_notification":["no"],"wpcf-card_article_content":["write your content"],"wpcf-card_article_with_title_content":[""],"wpcf-featured-news":["0"],"wpcf-layoutvideourl":[""],"wpcf-perspective-downloadable_file":[""],"wpcf-perspective-published-date":["1760486400"],"wpcf-quotes-with-auther-text":[""],"wpcf-quotes-with-auther-text-1":[""],"wpcf-show-news-at-homepage":["1"],"wpcf-social-image-square":[""],"wpcf-social-svg-square":[""],"wpcf-social-text-image-square":[""],"wpcf-social-text-square":[""],"wpcf-social-text-svg-square":[""],"wpcf-social-text-text-square":[""],"wpcf-social-text-url-square":[""],"wpcf-social-url-square":[""],"wpcf-social1-background-image":[""],"wpcf-social1-svg":[""],"wpcf-social1-text":[""],"wpcf-social1-url":[""],"wpcf-social2-background-image":[""],"wpcf-social2-svg":[""],"wpcf-social2-text":[""],"wpcf-social2-url":[""],"wpcf-social3-background-image":[""],"wpcf-social3-svg":[""],"wpcf-social3-text":[""],"wpcf-social3-url":[""],"wpcf-social4-background-image":[""],"wpcf-social4-svg":[""],"wpcf-social4-text":[""],"wpcf-social4-url":[""],"wpcf-video-description":[""],"wpcf-video-thumb":[""],"_":["field_6746fdff672ad"],"_bsf_item_review_type":["none"],"_bsf_post_type":["0"],"_content_series_applied":["field_60f3d3faf82ac"],"_featured_on_listing_page":["field_62458ea7383c3"],"_mobile_featured_image":["field_5c3b204983dea"],"_oembed_54bbd795cb062bbb75a52e561c12af3e":["<iframe title=\"JIMCO Technology Fund speaks to Faisal Toukan, CEO Ziina (EN VO Subs)\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/d10Ci9uIbMI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_56a6d42e9886b2ae392da29999372ab8":["<iframe title=\"JIMCO Technology Fund  talks to tabby Founder Hosam Arab EN 16x9\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/V9hyTxtVsdM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_62628acd359a2faf28adc0cfeba69420":["<iframe title=\"JIMCO Technology Fund speaks to Faisal Toukan, CEO Ziina (EN VO Subs)\" width=\"486\" height=\"273\" src=\"https:\/\/www.youtube.com\/embed\/d10Ci9uIbMI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_beed20e432084abcf553778df58b84b6":["<iframe title=\"JIMCO Technology Fund  talks to tabby Founder Hosam Arab EN 16x9\" width=\"486\" height=\"273\" src=\"https:\/\/www.youtube.com\/embed\/V9hyTxtVsdM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_time_54bbd795cb062bbb75a52e561c12af3e":["1760514928"],"_oembed_time_56a6d42e9886b2ae392da29999372ab8":["1760513761"],"_oembed_time_62628acd359a2faf28adc0cfeba69420":["1760515047"],"_oembed_time_beed20e432084abcf553778df58b84b6":["1760515047"],"_publish_mobile":["field_5bfa8eb2e65cf"],"_push_notification":["field_5c3b1fb67034d"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_wpml_word_count":["{\"total\":2822,\"to_translate\":{\"ar\":2822,\"zh-hans\":2822,\"fr\":2822,\"ja\":2822,\"es\":2822,\"tr\":2822}}"],"_yoast_wpseo_estimated-reading-time-minutes":[""],"_yoast_wpseo_metadesc":["\u4e86\u89e3\u5d4c\u5165\u5f0f\u91d1\u878d\u3001\u5e94\u7528\u7a0b\u5e8f\u7f16\u7a0b\u63a5\u53e3\uff08API\uff09\u3001\u4ee5\u53ca\u4eba\u5de5\u667a\u80fd\u5982\u4f55\u6539\u53d8\u652f\u4ed8\u65b9\u5f0f\u548c\u94f6\u884c\u4e1a\u52a1\uff0c\u5c06\u91d1\u878d\u670d\u52a1\u76f4\u63a5\u5f15\u5165\u65e5\u5e38\u6570\u5b57\u5e73\u53f0\u3002"],"_yoast_wpseo_title":["\u91d1\u878d\u4e1a\u7684\u672a\u6765\u662f\u5d4c\u5165\u5f0f\u91d1\u878d\u5417? | Abdul Latif Jameel\u00ae"],"_yoast_wpseo_wordproof_timestamp":[""],"_edit_lock":["1767941863:25"],"_edit_last":["25"],"_last_translation_edit_mode":["native-editor"],"wpcf-projecttitle":[""],"wpcf-projectdescription":[""],"wpcf-projectimage-video1":["image"],"wpcf-projectimage-1":[""],"wpcf-projectvideo-1":[""],"wpcf-projectdescription-1":[""],"wpcf-projectimage-video2":["image"],"wpcf-projectimage-2":[""],"wpcf-projectvideo-2":[""],"wpcf-projectdescription-2":[""],"wpcf-projectimage-video3":["image"],"wpcf-projectimage-3":[""],"wpcf-projectvideo-3":[""],"wpcf-projectdescription-3":[""],"wpcf-projectimage-video4":["image"],"wpcf-projectimage-4":[""],"wpcf-projectvideo-4":[""],"wpcf-projectdescription-4":[""],"_oembed_a694d3d9abf8b8966427192315196787":["<iframe title=\"JIMCO Technology Fund  talks to tabby Founder Hosam Arab EN 16x9\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/V9hyTxtVsdM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_time_a694d3d9abf8b8966427192315196787":["1767941589"],"_oembed_2a76a672149050dcac935e60ca185bca":["<iframe title=\"JIMCO Technology Fund speaks to Faisal Toukan, CEO Ziina (EN VO Subs)\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/d10Ci9uIbMI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>"],"_oembed_time_2a76a672149050dcac935e60ca185bca":["1767941589"],"_yoast_wpseo_content_score":["90"],"_thumbnail_id":["123966"],"perspective_business_sector":["\u91d1\u878d\u670d\u52a1"],"wpcf-card-image":[""],"_wpcf-card-image-sort-order":["a:1:{i:0;i:2051890;}"]},"_links":{"self":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/perspective\/123947"}],"collection":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/perspective"}],"about":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/types\/perspective"}],"author":[{"embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/users\/18"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/media\/123966"}],"wp:attachment":[{"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=123947"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alj.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=123947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}