{"id":2818,"date":"2025-05-19T09:53:04","date_gmt":"2025-05-19T01:53:04","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2818"},"modified":"2025-05-19T09:53:04","modified_gmt":"2025-05-19T01:53:04","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/19\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf%ef%bc%882025%e9%a2%84%e6%b5%8b%ef%bc%89\/","title":{"rendered":"\u0422\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0440\u044b\u043d\u043a\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0430 (\u043f\u0440\u043e\u0433\u043d\u043e\u0437 \u043d\u0430 2025 \u0433\u043e\u0434)"},"content":{"rendered":"<p>\u0420\u044b\u043d\u043e\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0435 \u0432 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b \u0441\u0442\u0440\u0435\u043c\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442\u0441\u044f, \u0447\u0435\u043c\u0443 \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u0443\u044e\u0442 \u043c\u043d\u043e\u0433\u043e\u0447\u0438\u0441\u043b\u0435\u043d\u043d\u044b\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u044b \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0437\u0430\u0446\u0438\u0438, \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0438 \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u044b \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0442\u0435\u043a\u0443\u0449\u0438\u0435 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0438 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u043c\u043e\u043c\u0435\u043d\u0442\u044b:<\/p>\n<hr>\n<h3><strong>1. \u0431\u0443\u0440\u043d\u043e\u0435 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0435 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432<\/strong><\/h3>\n<ul>\n<li><strong>\u0424\u0430\u043a\u0442\u043e\u0440\u044b \u0440\u043e\u0441\u0442\u0430<\/strong>: \u0420\u043e\u0441\u0442 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u044f \u0441\u043c\u0430\u0440\u0442\u0444\u043e\u043d\u043e\u0432 (~50%), \u0432\u044b\u0441\u043e\u043a\u0430\u044f \u0434\u043e\u043b\u044f \u043c\u043e\u043b\u043e\u0434\u043e\u0433\u043e \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f (60% \u0434\u043e 30 \u043b\u0435\u0442) \u0438 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u043f\u043e\u043e\u0449\u0440\u0435\u043d\u0438\u0435 \u0446\u0438\u0444\u0440\u043e\u0432\u0438\u0437\u0430\u0446\u0438\u0438.<\/li>\n<li><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0438\u0433\u0440\u043e\u043a\u0438<\/strong>::\n<ul>\n<li><strong>JazzCash<\/strong>(\u043f\u043e\u0434 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435\u043c \u043e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u0430 Jazz, \u0441 \u0431\u043e\u043b\u0435\u0435 \u0447\u0435\u043c 40 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u0430\u043c\u0438 \u0430\u0431\u043e\u043d\u0435\u043d\u0442\u043e\u0432)<\/li>\n<li><strong>EasyPaisa<\/strong>(\u041f\u043e\u0434 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435\u043c Telenor, \u0448\u0438\u0440\u043e\u043a\u043e\u0435 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435)<\/li>\n<li><strong>Alipay \u0438 WeChat Pay<\/strong>: \u041f\u043e\u0441\u0442\u0435\u043f\u0435\u043d\u043d\u043e\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u0447\u0435\u0440\u0435\u0437 \u043f\u0440\u043e\u0435\u043a\u0442 \"\u041a\u0438\u0442\u0430\u0439\u0441\u043a\u043e-\u043f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0441\u043a\u0438\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043a\u043e\u0440\u0438\u0434\u043e\u0440\".<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u0421\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f<\/strong>: \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430, \u043e\u043f\u043b\u0430\u0442\u0430 \u0441\u0447\u0435\u0442\u043e\u0432, P2P-\u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0438 \u043c\u0435\u043b\u043a\u0438\u0435 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438.<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \u0423\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0441\u0447\u0435\u0442\u043e\u0432<\/strong><\/h3>\n<ul>\n<li><strong>\u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0438\u043c\u043f\u0443\u043b\u044c\u0441<\/strong>: \u0413\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0430 (\u0413\u0411\u041f) \u0437\u0430\u043f\u0443\u0441\u0442\u0438\u043b \u0438\u043d\u0438\u0446\u0438\u0430\u0442\u0438\u0432\u0443 \u043f\u043e \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044e \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u043a \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c \u0443\u0441\u043b\u0443\u0433\u0430\u043c, \u0446\u0435\u043b\u044c \u043a\u043e\u0442\u043e\u0440\u043e\u0439 - \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0435\u0432 \u0441\u0447\u0435\u0442\u043e\u0432 \u0441 21% (2020 \u0433\u043e\u0434) \u0434\u043e \u0431\u043e\u043b\u0435\u0435 \u0447\u0435\u043c 50%.<\/li>\n<li><strong>\u041e\u0442\u0440\u0430\u0436\u0435\u043d\u0438\u0435 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442\u043e\u0432<\/strong>::\n<ul>\n<li>\u041a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0441\u0447\u0435\u0442\u043e\u0432 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u0441\u044f \u0441 55 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0432 2018 \u0433\u043e\u0434\u0443 \u0434\u043e \u043f\u043e\u0447\u0442\u0438 100 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0432 2023 \u0433\u043e\u0434\u0443.<\/li>\n<li>\u0412\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \"\u0420\u0430\u0430\u0441\u0442\" (\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439) \u0443\u0441\u043a\u043e\u0440\u0438\u043b\u043e \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \u0412\u043e\u0437\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 BNPL (\u043a\u0443\u043f\u0438 \u0441\u0435\u0439\u0447\u0430\u0441, \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u043e\u043c)<\/strong><\/h3>\n<ul>\n<li><em>\u041e\u0431\u043b\u0430\u0441\u0442\u044c \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f<\/em>: \u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f, \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0438\u043a\u0430, \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443.<\/li>\n<li><em>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u0438-\u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0438<\/em>::\n<ul>\n<li>QisstPay (\u043c\u0435\u0441\u0442\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 BNPL)<br \/>\n-\u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a Afterpay, \u0438\u0437\u0443\u0447\u0430\u044e\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3>4. \u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/h3>\n<p>\u041a\u0438\u0442\u0430\u0439\u0441\u043a\u043e-\u043f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0441\u043a\u0438\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043a\u043e\u0440\u0438\u0434\u043e\u0440 \u0441\u043f\u043e\u0441\u043e\u0431\u0441\u0442\u0432\u0443\u0435\u0442 \u0440\u043e\u0441\u0442\u0443 \u0434\u0432\u0443\u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0435\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0438<br \/>\n\u041f\u0438\u043b\u043e\u0442\u043d\u043e\u0435 \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 \u0432 \u044e\u0430\u043d\u044f\u0445 \u0434\u043b\u044f \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0442 \u0434\u043e\u043b\u043b\u0430\u0440\u0430 \u0421\u0428\u0410<\/p>\n<p>\u0420\u043e\u0441\u0442 \u0434\u043e\u0445\u043e\u0434\u043e\u0432 \u043e\u0442 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432<br \/>\n\u0414\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0434\u0438\u0430\u0441\u043f\u043e\u0440\u044b \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0443\u0442 $31 \u043c\u043b\u0440\u0434 \u043a 2022 \u0433\u043e\u0434\u0443, \u043f\u0440\u0438\u0447\u0435\u043c \u0434\u043e\u043b\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043a\u0430\u043d\u0430\u043b\u043e\u0432 \u0431\u0443\u0434\u0435\u0442 \u0440\u0430\u0441\u0442\u0438<\/p>\n<hr>\n<p>\u041f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u0438 \u0440\u0438\u0441\u043a\u0438<br \/>\n1. \u043d\u0435\u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0441\u0442\u044c \u0432 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438: \u043f\u0440\u0430\u0432\u0438\u043b\u0430 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0443\u0447\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0433 \u0435\u0449\u0435 \u043d\u0435 \u0437\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u044b<br \/>\n2. \u0417\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0442 \u043d\u0430\u043b\u0438\u0447\u043d\u043e\u0441\u0442\u0438: \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u043f\u043e 70% \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u044e\u0442\u0441\u044f \u0437\u0430 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0439 \u0440\u0430\u0441\u0447\u0435\u0442<br \/>\n3. \u041a\u0438\u0431\u0435\u0440\u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c: \u0447\u0438\u0441\u043b\u043e \u0441\u043b\u0443\u0447\u0430\u0435\u0432 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0440\u043e\u0441\u043b\u043e \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u043d\u0430 25% \u0432 \u0433\u043e\u0434.<\/p>\n<p>\u043f\u0440\u043e\u0433\u043d\u043e\u0437 \u043d\u0430 \u0431\u0443\u0434\u0443\u0449\u0435\u0435<br \/>\n\u041e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u0447\u0442\u043e \u043a 2025 \u0433\u043e\u0434\u0443 \u043e\u0431\u044a\u0435\u043c \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u0442 30 \u043c\u0438\u043b\u043b\u0438\u0430\u0440\u0434\u043e\u0432 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432, \u0430 \u0442\u0435\u043c\u043f\u044b \u0440\u043e\u0441\u0442\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u044f\u0442 35%. \u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d \u043c\u043e\u0433\u0443\u0442 \u0441\u0442\u0430\u0442\u044c \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u043c \u044d\u0442\u0430\u043f\u043e\u043c \u0444\u043e\u043a\u0443\u0441\u0430.<\/p>\n<h3><strong>5. \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u0435 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0444\u0438\u043d\u0442\u0435\u0445\u0430<\/strong><\/h3>\n<p>\u042d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 (FinTech) \u0432 \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0435 \u0431\u044b\u0441\u0442\u0440\u043e \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442\u0441\u044f, \u043f\u043e\u0440\u043e\u0436\u0434\u0430\u044f \u0440\u044f\u0434 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0439:<\/p>\n<ul>\n<li><strong>\u041f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 \u043e\u0442\u043a\u0440\u044b\u0442\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u044f<\/strong>: SBP \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442 \u0437\u0430\u043f\u0443\u0441\u0442\u0438\u0442\u044c \u043e\u0442\u043a\u0440\u044b\u0442\u0443\u044e \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443 API, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442 \u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0438\u043c \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0447\u0438\u043a\u0430\u043c \u043f\u043e\u043b\u0443\u0447\u0430\u0442\u044c \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c \u0431\u0430\u043d\u043a\u0430 \u0438 \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0442\u044c \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438.<\/li>\n<li><strong>\u0412\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u0435 \u0444\u0438\u043d\u0430\u043d\u0441\u044b (EF)<\/strong>: \u041f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Daraz) \u0438 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0442\u0430\u043a\u0441\u0438 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Careem), \u0432 \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0444\u0443\u043d\u043a\u0446\u0438\u0438, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0438\u0435 \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u0442\u044c \"\u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043f\u043e \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044e\".<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. \u043f\u043e\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432 \u0438 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u0443\u044e\u0449\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u043e\u0432<\/strong><\/h3>\n<ul>\n<li><strong>\u0418\u043d\u0438\u0446\u0438\u0430\u0442\u0438\u0432\u0430 \"\u0426\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\" (Digital Pakistan Vision)<\/strong>: \u0426\u0435\u043b\u044c - \u0441\u043e\u0437\u0434\u0430\u043d\u0438\u0435 \u0431\u0435\u0437\u043d\u0430\u043b\u0438\u0447\u043d\u043e\u0433\u043e \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0430 \u043a 2025 \u0433\u043e\u0434\u0443, \u0434\u043b\u044f \u0447\u0435\u0433\u043e \u0431\u0443\u0434\u0443\u0442 \u043f\u0440\u0438\u043d\u044f\u0442\u044b \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0435 \u043c\u0435\u0440\u044b:\n<ul>\n<li>\u041d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0435 \u043b\u044c\u0433\u043e\u0442\u044b \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438;<\/li>\n<li>\u041e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043f\u0440\u0438\u0435\u043c \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043a\u0440\u0443\u043f\u043d\u044b\u043c\u0438 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u043c\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f\u043c\u0438;<\/li>\n<li>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 Raast \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u044f\u0435\u0442\u0441\u044f \u043d\u0430 \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.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u0438\u0437\u0430\u0446\u0438\u044f \u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0430\u0446\u0438\u044f QR-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h3>\n<ul>\n<li><em>\u0413\u0430\u0440\u043c\u043e\u043d\u0438\u0437\u0430\u0446\u0438\u044f \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u0432 QR-\u043a\u043e\u0434\u043e\u0432<\/em>:: \u0421\u0435\u0442\u044c \"1Link\" \u043f\u0440\u043e\u0434\u0432\u0438\u0433\u0430\u0435\u0442 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 QR-\u043a\u043e\u0434\u044b, \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u044b\u0435 \u0441\u043e \u0432\u0441\u0435\u043c\u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u043c\u0438 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u043c\u0438 \u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c\u0438 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f\u043c\u0438.<\/li>\n<li><em>\u0423\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u0435 \u0447\u0438\u0441\u043b\u0430 \u043c\u0438\u043a\u0440\u043e- \u0438 \u043c\u0435\u043b\u043a\u0438\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432<\/em>: \u041f\u0440\u043e\u0434\u0430\u0432\u0446\u044b, \u0442\u0430\u043a\u0441\u0438 \u0438 \u0442. \u0434. \u043d\u0430\u0447\u0438\u043d\u0430\u044e\u0442 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u043d\u0435\u0434\u043e\u0440\u043e\u0433\u0438\u0435 \u0441\u0445\u0435\u043c\u044b QR-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439.<\/li>\n<\/ul>\n<hr>\n<p>\u041f\u0440\u043e\u0433\u043d\u043e\u0437 \u0431\u0443\u0434\u0443\u0449\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0439<\/p>\n<ol>\n<li><strong>\u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/strong>: \u0410\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043f\u043e \u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u0430\u043c \u043f\u0430\u043b\u044c\u0446\u0435\u0432\/\u043b\u0438\u0446\u0443 \u0437\u0430\u043c\u0435\u043d\u0438\u0442 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0432\u0438\u0434\u044b \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 PIN-\u043a\u043e\u0434\u0430.<\/li>\n<li><strong>\u0422\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439 Stablecoin<\/strong>:: SBP \u043c\u043e\u0436\u0435\u0442 \u0440\u0430\u0437\u0440\u0435\u0448\u0438\u0442\u044c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u043d\u0435\u0442 \u0434\u043b\u044f \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 \u043f\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u044b\u043c \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u043c \u0441\u0434\u0435\u043b\u043a\u0430\u043c.<\/li>\n<li><strong>\u0420\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 \u0430\u0433\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0438\u043d\u0433\u0430<\/strong>:: \u041e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0441\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0447\u0435\u0440\u0435\u0437 \u043e\u0444\u043b\u0430\u0439\u043d\u043e\u0432\u044b\u0435 \u0442\u043e\u0447\u043a\u0438 \u043f\u0440\u043e\u0434\u0430\u0436, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u044b \u0438 \u0430\u0432\u0442\u043e\u0437\u0430\u043f\u0440\u0430\u0432\u043e\u0447\u043d\u044b\u0435 \u0441\u0442\u0430\u043d\u0446\u0438\u0438.<\/li>\n<\/ol>\n<p>\u041d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u0438\u043d\u0442\u0435\u0440\u0435\u0441\u0430<br \/>\n\u221a \u0412\u0435\u0440\u0442\u0438\u043a\u0430\u043b\u0438 BNPL (\u043b\u0438\u0437\u0438\u043d\u0433 \u043c\u0435\u0434\u0438\u0446\u0438\u043d\u0441\u043a\u043e\u0433\u043e, \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0445\u043e\u0437\u044f\u0439\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u043e\u0431\u043e\u0440\u0443\u0434\u043e\u0432\u0430\u043d\u0438\u044f)<br \/>\n\u221a \u0426\u0438\u0444\u0440\u043e\u0432\u043e\u0435 \u044d\u043a\u0432\u0430\u0439\u0440\u0438\u043d\u0433\u043e\u0432\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u041c\u041c\u0421\u041f (\u043c\u0438\u043a\u0440\u043e-, \u043c\u0430\u043b\u044b\u0435 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f)<br \/>\n\u221a \u0411\u043b\u043e\u043a\u0447\u0435\u0439\u043d-\u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0434\u043b\u044f \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044f \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u0438\u0441\u043b\u0430\u043c\u0441\u043a\u043e\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b \u0440\u044b\u043d\u043e\u043a \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u041f\u0430\u043a\u0438\u0441\u0442\u0430\u043d\u0430 \u0441\u0442\u0440\u0435\u043c\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0443 \u043e\u0446\u0438\u0444\u0440\u043e\u0432\u043a\u0438, \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044e 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