{"id":2558,"date":"2025-05-11T12:37:11","date_gmt":"2025-05-11T04:37:11","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2558"},"modified":"2025-05-11T12:37:11","modified_gmt":"2025-05-11T04:37:11","slug":"%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e5%8f%b2%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/11\/%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e5%8f%b2%ef%bc%9a%e4%bb%8e%e7%8e%b0%e9%87%91%e5%88%b0%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85\/","title":{"rendered":"\u0418\u0441\u0442\u043e\u0440\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0435: \u043e\u0442 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0434\u043e \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 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\u043a \u0434\u0438\u0432\u0435\u0440\u0441\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u044b \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u044d\u0442\u0430\u043f\u044b \u0438 \u0430\u043d\u0430\u043b\u0438\u0437 \u0438\u0441\u0442\u043e\u0440\u0438\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0435:<\/p>\n<hr>\n<h3><strong>1. \u043f\u0435\u0440\u0438\u043e\u0434 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0433\u043e\u0441\u043f\u043e\u0434\u0441\u0442\u0432\u0430 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0433 (XX \u0432\u0435\u043a \u0438 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\u043d\u043e\u0440\u043c\u043e\u0439.<\/li>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>::\n<ul>\n<li>\u0412\u044b\u0441\u043e\u043a\u0430\u044f \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0442 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0433 (\u0431\u043e\u043b\u0435\u0435 90% \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 \u0441 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u0432 2010 \u0433\u043e\u0434\u0443).<\/li>\n<li>\u041d\u0438\u0437\u043a\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043e\u0445\u0432\u0430\u0442\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c\u0438 \u0443\u0441\u043b\u0443\u0433\u0430\u043c\u0438 \u0438 \u0441\u043b\u0430\u0431\u0430\u044f \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u0432 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0439 \u043c\u0435\u0441\u0442\u043d\u043e\u0441\u0442\u0438.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043a\u0430\u0440\u0442\u044b \u0438 \u043f\u043e\u044f\u0432\u043b\u0435\u043d\u0438\u0435 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0438\u043a\u0438 (1990-\u0435 - 2000-\u0435 \u0433\u0433.)<\/strong><\/h3>\n<ul>\n<li><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u044d\u0442\u0430\u043f\u044b<\/strong>::\n<ul>\n<li><strong>\u041f\u043e\u0441\u043b\u0435 \u0430\u0437\u0438\u0430\u0442\u0441\u043a\u043e\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u043a\u0440\u0438\u0437\u0438\u0441\u0430 1997 \u0433\u043e\u0434\u0430<\/strong>: \u0411\u0430\u043d\u043a \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0430 \u043d\u0430\u0441\u0442\u0430\u0438\u0432\u0430\u0435\u0442 \u043d\u0430 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\u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0434\u043b\u044f \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u0432\u0430\u0442\u044c \u0447\u0442\u043e-\u043b. \u0432 \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u0445 \u0433\u0440\u0430\u043d\u0438\u0446\u0430\u0445<\/strong>::<br \/>\n\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u043a\u0430\u0440\u0442\u044b \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b \u0442\u043e\u043b\u044c\u043a\u043e \u0433\u043e\u0440\u043e\u0434\u0441\u043a\u043e\u043c\u0443 \u0441\u0440\u0435\u0434\u043d\u0435\u043c\u0443 \u043a\u043b\u0430\u0441\u0441\u0443, \u0430 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\u0431\u044b\u0441\u0442\u0440\u043e \u043f\u0440\u0435\u043e\u0434\u043e\u043b\u0435\u0432\u0430\u0435\u0442 \u043e\u0442\u043c\u0435\u0442\u043a\u0443 \u0432 10 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<li><em>\u0434\u0435\u043b\u043e (\u043f\u0440\u0430\u0432\u043e)<\/em>PromptPay \u043e\u0431\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0435\u0442 5 \u043c\u0438\u043b\u043b\u0438\u0430\u0440\u0434\u043e\u0432 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 2021 \u0433\u043e\u0434\u0443, \u043d\u0430 \u0434\u043e\u043b\u044e \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0441\u044f 60% \u0431\u0435\u0437\u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439.<\/li>\n<\/ul>\n<h4><strong>(2) \u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u044f \u0432 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0435 Super App<\/strong><\/h4>\n<ul>\n<li><em>TrueMoney<\/em> (\u0432\u0445\u043e\u0434\u0438\u0442 \u0432 Ant Group): \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u044f\u0435\u0442 \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u043d\u044b\u0445 \u0441\u0447\u0435\u0442\u043e\u0432, \u043e\u043f\u043b\u0430\u0442\u0443 \u0441\u0447\u0435\u0442\u043e\u0432, \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b (\u0441\u043e\u0435\u0434\u0438\u043d\u044f\u0435\u0442 \u043c\u043d\u043e\u0433\u0438\u0435 \u0441\u0442\u0440\u0430\u043d\u044b \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438).<\/li>\n<li><em>GrabPay<\/em> \/ <em>\u041b\u0438\u043d\u0435\u0439\u043d\u0430\u044f \u043e\u043f\u043b\u0430\u0442\u0430 \u0442\u0440\u0443\u0434\u0430<\/em> : \u0417\u0430\u043c\u043a\u043d\u0443\u0442\u044b\u0439 \u0446\u0438\u043a\u043b \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043d\u0430 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u0445 \u0442\u0430\u043a\u0441\u0438\/\u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0439 \u0441\u0444\u0435\u0440\u044b.<\/li>\n<\/ul>\n<h3><strong>4. \u0426\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 \u0438 \u0432\u0437\u0440\u044b\u0432 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 (2020-\u0435 - \u043d\u0430\u0441\u0442\u043e\u044f\u0449\u0435\u0435 \u0432\u0440\u0435\u043c\u044f)<\/strong><\/h3>\n<h4><strong>(1) \u042d\u043f\u0438\u0434\u0435\u043c\u0438\u044f \u0443\u0441\u043a\u043e\u0440\u044f\u0435\u0442 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0431\u0435\u0437\u0434\u0435\u043d\u0435\u0436\u044c\u044f<\/strong><\/h4>\n<ul>\n<li><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0441\u0432\u0435\u0434\u0435\u043d\u0438\u044f<\/strong>::\n<ul>\n<li>\u0412 2020 \u0433\u043e\u0434\u0443 \u043e\u0431\u044a\u0435\u043c \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0435 \u0432\u044b\u0440\u0430\u0441\u0442\u0435\u0442 \u043d\u0430 75%, \u0430 \u0447\u0438\u0441\u043b\u043e \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432 \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u0442 43 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u0430 \u0447\u0435\u043b\u043e\u0432\u0435\u043a (60%+ \u043e\u0442 \u043e\u0431\u0449\u0435\u0439 \u0447\u0438\u0441\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f).<\/li>\n<li>PromptPay \u0441\u0442\u0430\u043b \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u043c \u043a\u0430\u043d\u0430\u043b\u043e\u043c \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0439 \u0432\u043e \u0432\u0440\u0435\u043c\u044f \u044d\u043f\u0438\u0434\u0435\u043c\u0438\u0438 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0439 \"\u043f\u043e\u043b\u043e\u0432\u0438\u043d\u0430 \u043d\u0430 \u0447\u0435\u043b\u043e\u0432\u0435\u043a\u0430\").<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>(2) \u0420\u043e\u0441\u0442 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u043d\u0446\u0435\u043f\u0446\u0438\u0438 \"\u043a\u0443\u043f\u0438 \u0441\u0435\u0439\u0447\u0430\u0441, \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u043e\u043c\" (BNPL)<\/strong><\/h4>\n<ul>\n<li><em>Atome<\/em>, \u0438<em>Kredivo<\/em>\u0422\u0430\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b, \u043a\u0430\u043a Lazada \u0438 Shopee, \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u0438\u043b\u0438 \u0443\u0441\u0438\u043b\u0438\u044f \u0434\u043b\u044f \u0437\u0430\u043f\u0443\u0441\u043a\u0430 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0438, \u0447\u0442\u043e\u0431\u044b \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u044c \u043c\u043e\u043b\u043e\u0434\u044b\u0445 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<li><em>\u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0439 BNPL<\/em>\u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \"K PLUS SHOP NOW PAY LATER\" \u0432 \u041a\u0430\u0441\u0438\u043a\u043e\u0440\u043d\u0431\u0430\u043d\u043a\u0435.<\/li>\n<\/ul>\n<h4><strong>(3) \u041f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 CBDC \u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u043e\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0435 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e<\/strong><\/h4>\n<ul>\n<li><strong>\u0422\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0432\u0430\u043b\u044e\u0442 \u0432 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u043e\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0435<\/strong>: 2022 \u0411\u0430\u043d\u043a \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0430 \u0437\u0430\u043f\u0443\u0441\u043a\u0430\u0435\u0442 \"\u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0443\" CBDC \u0434\u043b\u044f \u044d\u043a\u0441\u043f\u0435\u0440\u0438\u043c\u0435\u043d\u0442\u043e\u0432 \u0441 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u043c\u0438 \u0437\u0430\u0440\u043f\u043b\u0430\u0442\u0430\u043c\u0438 \u0438 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u043c\u0438 \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u044f \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u043f\u043e\u0441\u043e\u0431\u0438\u0439.<\/li>\n<li><strong>\u0420\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0441\u0432\u044f\u0437\u0438<\/strong>: \u0412\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0441\u043a\u0430\u043d\u0435\u0440\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0441 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0435\u0439 \u0438 \u0421\u0438\u043d\u0433\u0430\u043f\u0443\u0440\u043e\u043c \u0447\u0435\u0440\u0435\u0437 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 ASEAN QR.<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. \u0442\u0435\u043a\u0443\u0449\u0438\u0435 \u043c\u043e\u0434\u0435\u043b\u0438 \u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b (2023-\u0431\u0443\u0434\u0443\u0449\u0435\u0435)<\/strong><\/h3>\n<h4><strong>(1) \u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u044f \u043d\u0430 \u0441\u0442\u0440\u0430\u0442\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u043c \u0440\u044b\u043d\u043a\u0435<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>\u0422\u0438\u043f \u0438\u0433\u0440\u043e\u043a\u0430<\/strong><\/th>\n<th><strong>\u041f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438\/\u043f\u0440\u043e\u0434\u0443\u043a\u0442\u044b<\/strong><\/th>\n<th><strong>\u041e\u0431\u043b\u0430\u0441\u0442\u0438 \u0441\u0438\u043b\u044b<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\u041c\u0435\u0441\u0442\u043d\u0430\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430<\/em><\/td>\n<td>SCB Easy, K PLUS<\/td>\n<td>\u0412\u044b\u0441\u043e\u043a\u043e\u0435 \u0434\u043e\u0432\u0435\u0440\u0438\u0435, \u043f\u043e\u043b\u043d\u043e\u0435 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433<\/td>\n<\/tr>\n<tr>\n<td><em>\u0414\u0435\u043f\u0430\u0440\u0442\u0430\u043c\u0435\u043d\u0442 \u0442\u0435\u043b\u0435\u043a\u043e\u043c\u043c\u0443\u043d\u0438\u043a\u0430\u0446\u0438\u0439\/\u044d\u043b\u0435\u043a\u0442\u0440\u0438\u0447\u0435\u0441\u0442\u0432\u0430<\/em><\/td>\n<td>TrueMoney, ShopeePay<\/td>\n<td>\u0412\u044b\u0441\u043e\u043a\u043e\u0447\u0430\u0441\u0442\u043e\u0442\u043d\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0436\u0438\u0437\u043d\u0438, \u043d\u0438\u0437\u043a\u0430\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443.<\/td>\n<\/tr>\n<tr>\n<td><em>\u043c\u0438\u0440\u043e\u0432\u043e\u0439 \u0433\u0438\u0433\u0430\u043d\u0442<\/em><\/td>\n<td>GrabPay, Alipay+<\/td>\n<td>\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u0430\u044f \u044d\u043a\u043e\u043b\u043e\u0433\u0438\u044f, \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0442\u0443\u0440\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u043f\u043e\u0442\u0440\u0435\u0431\u043b\u0435\u043d\u0438\u044f<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>(2) \u041d\u0435\u0440\u0435\u0448\u0435\u043d\u043d\u044b\u0435 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b<\/strong><\/h4>\n<ul>\n<li><strong>\u041f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0439 \u043a\u0438\u043b\u043e\u043c\u0435\u0442\u0440 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u0438<\/strong>:: 30% \u0432\u0437\u0440\u043e\u0441\u043b\u044b\u0445 \u0432\u0441\u0435 \u0435\u0449\u0435 \u043d\u0435 \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u043a \u0444\u043e\u0440\u043c\u0430\u043b\u044c\u043d\u043e\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 (\u0434\u0430\u043d\u043d\u044b\u0435 \u0412\u0441\u0435\u043c\u0438\u0440\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430).<\/li>\n<li><em><strong>\u041d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u044b\u0439 \u0431\u0430\u043b\u0430\u043d\u0441<\/strong><\/em>:: \u041a\u0430\u043a \u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0442\u0438\u0442\u044c \u0440\u0438\u0441\u043a \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043e\u0434\u0434\u0435\u043b\u044c\u043d\u044b\u0445 QR-\u043a\u043e\u0434\u043e\u0432) \u0438 \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u043f\u043e\u043e\u0449\u0440\u044f\u0442\u044c \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0438?<\/li>\n<li><em><strong>\u044d\u043a\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0444\u0440\u0430\u0433\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u044f<\/strong><\/em>: \u041f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u0443\u0441\u0442\u0430\u043d\u0430\u0432\u043b\u0438\u0432\u0430\u0442\u044c \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u043e \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439, \u0447\u0442\u043e\u0431\u044b \u0441\u043f\u0440\u0430\u0432\u0438\u0442\u044c\u0441\u044f \u0441 \u0440\u0430\u0437\u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u043c\u0438, \u0438 \u0432\u043e\u0437\u043d\u0438\u043a\u0430\u0435\u0442 \u043e\u0441\u0442\u0440\u0430\u044f \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u044c \u0432 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438.<\/li>\n<\/ul>\n<hr>\n<h3><strong>[\u041f\u0440\u043e\u0433\u043d\u043e\u0437 \u0442\u0440\u0435\u043d\u0434\u0430].<\/strong><\/h3>\n<ol>\n<li><strong>\u0412\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u044b (EF)<\/strong> :: \u041f\u0440\u044f\u043c\u044b\u0435 \u043f\u0440\u043e\u0434\u0430\u0436\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u0438 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u043a \u0432 \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f\u0445.<\/li>\n<li><em><strong>\u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/strong><\/em>:: \u0410\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043f\u043e \u043b\u0438\u0446\u0443\/\u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u0443 \u0433\u043e\u043b\u043e\u0441\u0430 \u043f\u043e\u0441\u0442\u0435\u043f\u0435\u043d\u043d\u043e \u0432\u044b\u0442\u0435\u0441\u043d\u044f\u0435\u0442 OTP-\u043f\u0430\u0440\u043e\u043b\u0438.<\/li>\n<li><em><strong>\u042d\u043a\u0441\u043f\u0435\u0440\u0438\u043c\u0435\u043d\u0442 \u0441\u043e \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u043c\u0438 \u043c\u043e\u043d\u0435\u0442\u0430\u043c\u0438 \u0432 \u0431\u0430\u0442\u0430\u0445<\/strong><\/em>:: \u0427\u0430\u0441\u0442\u043d\u044b\u0435 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u044f \u0438\u0437\u0443\u0447\u0430\u044e\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u044b\u0445 \u0441\u043e \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u043c \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u043d\u0435\u0442 \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 \u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438.<\/li>\n<\/ol>\n<hr>\n<p>\u0412\u0441\u0435\u0433\u043e \u0437\u0430 10 \u043b\u0435\u0442 \u0422\u0430\u0438\u043b\u0430\u043d\u0434 \u043f\u0435\u0440\u0435\u0448\u0430\u0433\u043d\u0443\u043b \u044d\u0440\u0443 \u043a\u0430\u0440\u0442\u043e\u0447\u0435\u043a \u0438 \u043f\u0435\u0440\u0435\u0448\u0435\u043b \u043d\u0430 \u0440\u0443\u0431\u0435\u0436 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u043d\u043e \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u044d\u0442\u0430\u043f \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u0431\u0443\u0434\u0435\u0442 \u0437\u0430\u0432\u0438\u0441\u0435\u0442\u044c \u043e\u0442 \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u0430 \u043e\u0442 \"\u043c\u043d\u043e\u0433\u043e\u0447\u0438\u0441\u043b\u0435\u043d\u043d\u044b\u0445 \u0438 \u0440\u0430\u0437\u0440\u043e\u0437\u043d\u0435\u043d\u043d\u044b\u0445\" \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0439 \u043a \u0433\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u043e \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0439 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0435. (\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f PromptPay, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0431\u044b\u043b\u0430 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 \u043a\u0430\u043c\u0431\u043e\u0434\u0436\u0438\u0439\u0441\u043a\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 Bakong).<\/p>","protected":false},"excerpt":{"rendered":"<p>\u042d\u0432\u043e\u043b\u044e\u0446\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0430 \u043e\u0442\u0440\u0430\u0436\u0430\u0435\u0442 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u044e \u0438 \u043e\u0446\u0438\u0444\u0440\u043e\u0432\u043a\u0443 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438 \u0441\u0442\u0440\u0430\u043d\u044b: \u043e\u0442 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0445...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-2558","post","type-post","status-publish","format-standard","hentry","category-31"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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