{"id":3299,"date":"2025-06-12T08:22:49","date_gmt":"2025-06-12T00:22:49","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3299"},"modified":"2025-06-12T08:22:49","modified_gmt":"2025-06-12T00:22:49","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/06\/12\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e7%94%9f%e6%80%81%e5%9b%be%e8%b0%b1%ef%bc%9a%e9%93%b6%e8%a1%8c%e3%80%81%e9%92%b1%e5%8c%85%e3%80%81%e7%ac%ac%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0\/","title":{"rendered":"\u041a\u0430\u0440\u0442\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438: \u0431\u0430\u043d\u043a\u0438, \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438, \u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0438\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b"},"content":{"rendered":"<p>\u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u044b\u0439 \u043a\u0430\u0440\u0442\u043e\u0433\u0440\u0430\u0444\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0438\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0439\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b, \u043e\u0445\u0432\u0430\u0442\u044b\u0432\u0430\u044e\u0449\u0438\u0439 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0438\u0433\u0440\u043e\u043a\u043e\u0432 \u0438 \u0438\u0445 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0441\u0442\u0438\u043a\u0438 \u0432 \u0431\u0430\u043d\u043a\u0430\u0445, \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u0445 \u0438 \u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430\u0445:<\/p>\n<hr>\n<h3><strong>I. \u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 (\u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0449\u0430\u044f)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u0427\u0435\u0442\u044b\u0440\u0435 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u0430<\/strong><\/p>\n<ul>\n<li><strong>Mandiri<\/strong>: \u041a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0439 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u0441 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u043c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u043c LinkAja (\u0441\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u043e\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0435 \u0441 \u043d\u0435\u0441\u043a\u043e\u043b\u044c\u043a\u0438\u043c\u0438 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f\u043c\u0438).<\/li>\n<li><strong>BNI<\/strong>: \u0421\u0438\u043b\u044c\u043d\u0430\u044f \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u0430\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0439.<\/li>\n<li><strong>BRI<\/strong>: \u0428\u0438\u0440\u043e\u0447\u0430\u0439\u0448\u0438\u0439 \u043e\u0445\u0432\u0430\u0442 \u0441\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0440\u0430\u0439\u043e\u043d\u043e\u0432 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0438\u043d\u0433\u0430 BRImo.<\/li>\n<li><strong>BTN<\/strong>: \u0421\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u044c\u0442\u0435\u0441\u044c \u043d\u0430 \u0436\u0438\u043b\u0438\u0449\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u0445 \u0438 \u043c\u0435\u043d\u044c\u0448\u0435 \u0437\u0430\u043d\u0438\u043c\u0430\u0439\u0442\u0435\u0441\u044c \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u043c \u0431\u0438\u0437\u043d\u0435\u0441\u043e\u043c.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0427\u0430\u0441\u0442\u043d\u044b\u0435 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0435 \u0431\u0430\u043d\u043a\u0438<\/strong><\/p>\n<ul>\n<li><strong>\u0411\u0426\u0410 (\u0411\u0430\u043d\u043a \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0439 \u0410\u0437\u0438\u0438)<\/strong>:: \u041d\u0430\u0438\u0431\u043e\u043b\u044c\u0448\u0430\u044f \u0434\u043e\u043b\u044f \u0440\u044b\u043d\u043a\u0430, \u043f\u0440\u0435\u0434\u043e\u043f\u043b\u0430\u0447\u0435\u043d\u043d\u044b\u0435 \u043a\u0430\u0440\u0442\u044b \"Flazz\" \u0448\u0438\u0440\u043e\u043a\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442\u0441\u044f \u0434\u043b\u044f \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u044b\u0445 \u043c\u0438\u043a\u0440\u043e\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439.<\/li>\n<li><strong>CIMB Niaga\/Maybank\/DBS Indonesia<\/strong>: \u0418\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u044b\u0439 \u043e\u043f\u044b\u0442 \u0438 \u043e\u0447\u0435\u0432\u0438\u0434\u043d\u044b\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u0432 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u0445.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u041d\u043e\u0432\u0430\u0442\u043e\u0440 \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433<\/strong><\/p>\n<ul>\n<li><em>\u042f\u0433\u043e<\/em>(\u0411\u044b\u0432\u0448\u0438\u0439 \u0431\u0430\u043d\u043a \"\u0410\u0440\u0442\u043e\u0441\"): \u0433\u043b\u0443\u0431\u043e\u043a\u043e\u0435 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0441 Gojek, \u0432\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u043c \u044d\u0442\u0430\u043b\u043e\u043d\u043e\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433.<\/li>\n<li><em>\u041d\u0435\u043e\u0431\u0430\u043d\u043a<\/em> \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, TMRW (UOB), Jenius (BCA): \u0447\u0438\u0441\u0442\u043e \u043e\u043d\u043b\u0430\u0439\u043d-\u0441\u0435\u0440\u0432\u0438\u0441\u044b \u0434\u043b\u044f \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u044f \u043c\u043e\u043b\u043e\u0434\u044b\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>II. \u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a (\u0432\u0435\u0434\u0435\u043d\u0438\u0435 \u0435\u0436\u0435\u0434\u043d\u0435\u0432\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439)<\/h3>\n<ol>\n<li>\n<p><strong>\u0438\u0433\u0440\u043e\u043a, \u0441\u0442\u043e\u044f\u0449\u0438\u0439 \u0432\u043e \u0433\u043b\u0430\u0432\u0435 \u0438\u0433\u0440\u044b<\/strong>:<\/p>\n<ul>\n<li><em>GoPay<\/em> (Gojek eco): \u043a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0439 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438, \u043e\u0445\u0432\u0430\u0442\u044b\u0432\u0430\u044e\u0449\u0438\u0439 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0442\u0430\u043a\u0441\u0438\/\u0442\u0430\u043a\u0441\u0438\/\u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438. \u0414\u043e\u043b\u044f \u0440\u044b\u043d\u043a\u0430 \u043a 2023 \u0433\u043e\u0434\u0443 \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u0442 35%.<br \/>\n<em>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/em>:: \u0412\u044b\u0441\u043e\u043a\u043e\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u043e\u0444\u043b\u0430\u0439\u043d QR-\u043a\u043e\u0434\u043e\u0432 \u0438 \u0431\u044b\u0441\u0442\u0440\u044b\u0439 \u0440\u043e\u0441\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \"PayLater\".<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>OVO<\/strong><\/em> (Lippo Group + Grab + Toku):<br \/>\n\u0420\u0430\u043d\u0435\u0435 \u043f\u0440\u0438\u0432\u044f\u0437\u0430\u043d\u043d\u0430\u044f \u043a \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u043c\u0443 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044e Grab, \u0442\u0435\u043f\u0435\u0440\u044c \u043e\u043d\u0430 \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0438\u043b\u0430\u0441\u044c \u043d\u0430 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u0443\u044e \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u044e (\u0441\u0435\u0442\u044c Indomaret), \u043e\u043f\u043b\u0430\u0442\u0443 \u0441\u0447\u0435\u0442\u043e\u0432.<br \/>\n\u0423\u043d\u0438\u043a\u0430\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e: \u0433\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0441 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0435\u0439 Lazada.<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>\u0414\u0410\u041d\u0410<\/strong>(Ant Group + Emtek):<br \/>\n\u0421\u0438\u043b\u044c\u043d\u044b\u0435 \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0435 \u0430\u0442\u0440\u0438\u0431\u0443\u0442\u044b (\u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438 \u0447\u0430\u0442-\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f SaaS), \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u044f \u0432 \u0441\u0435\u043b\u044c\u0441\u043a\u0443\u044e \u043c\u0435\u0441\u0442\u043d\u043e\u0441\u0442\u044c \u0431\u044b\u0441\u0442\u0440\u043e \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0441\u044f.<\/p>\n<p>4.<strong>\u0414\u0440\u0443\u0433\u0438\u0435 \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0438\u0433\u0440\u043e\u043a\u0438<\/strong>:<\/p>\n<ul>\n<li>LinkAja (\u0421\u043e\u044e\u0437 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439): \u043f\u043e\u0440\u0442\u0430\u043b \u0434\u043b\u044f \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0432\u0437\u043d\u043e\u0441\u043e\u0432.<\/li>\n<li>ShopeePay (Sea Group): \u043e\u043f\u0438\u0440\u0430\u044f\u0441\u044c \u043d\u0430 Shopee, \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f \u0440\u0430\u0441\u0442\u0435\u0442 \u0431\u044b\u0441\u0442\u0440\u044b\u043c\u0438 \u0442\u0435\u043c\u043f\u0430\u043c\u0438.<\/li>\n<\/ul>\n<hr>\n<p>III. \u0421\u0442\u043e\u0440\u043e\u043d\u043d\u0438\u0435 \u0430\u0433\u0440\u0435\u0433\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b (<strong>\u0412\u0430\u0436\u043d\u0435\u0439\u0448\u0438\u0435 \u0440\u0430\u0437\u044a\u0435\u043c\u044b<\/strong>)<br \/>\n1.<strong>\u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f<\/strong>:<br \/>\n- Xendit :API-\u0430\u0433\u0440\u0435\u0433\u0430\u0446\u0438\u044f 200+ \u043a\u0430\u043d\u0430\u043b\u043e\u0432, \u0441\u0435\u0440\u0432\u0438\u0441\u044b \u0434\u043b\u044f SME (\u043c\u0430\u043b\u044b\u0435 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f), \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u043e\u0433\u043e \u044d\u043a\u0432\u0430\u0439\u0440\u0438\u043d\u0433\u0430.<br \/>\n- Midtrans (Tokopedia): \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u0435\u0442 \u043f\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.<\/p>\n<p>2.<strong>\u041a\u043e\u043d\u0432\u0435\u0440\u0433\u0435\u043d\u0446\u0438\u044f \u043e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u043e\u0432 \u0441\u0432\u044f\u0437\u0438<\/strong>:<br \/>\n- TCash \u043e\u0442 Telkomsel \u0441\u043e\u0445\u0440\u0430\u043d\u044f\u0435\u0442 \u0441\u0432\u043e\u0439 \u043f\u043e\u0440\u0442\u0430\u043b \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0441\u0447\u0435\u0442\u0430 \u043f\u043e\u0441\u043b\u0435 \u043f\u0440\u0435\u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0432 LinkAja.<br \/>\n- STMPay \u043e\u0442 Indosat \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d \u043d\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u043d\u043e\u0441\u0442\u0438 \u043c\u0443\u0441\u0443\u043b\u044c\u043c\u0430\u043d\u0441\u043a\u043e\u0439 \u043e\u0431\u0449\u0438\u043d\u044b.<\/p>\n<hr>\n<p>IV. \u041d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u0430\u044f \u0431\u0430\u0437\u0430 \u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438<br \/>\n-\u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u043f\u043e\u0434 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e\u043c BI, \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0435 \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e.<br \/>\n- QRIS \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043b\u0430 QR-\u043a\u043e\u0434\u044b.<br \/>\n- PBI No.23\/2019 \u0442\u0440\u0435\u0431\u0443\u0435\u0442, \u0447\u0442\u043e\u0431\u044b \u0432\u0441\u0435 NBFC \u0431\u044b\u043b\u0438 \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u043a \u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0439 \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0435.<br \/>\n&#8211;<strong>\u041f\u0435\u0440\u0435\u043c\u0435\u0449\u0435\u043d\u0438\u044f \u0432 2024 \u0433\u043e\u0434\u0443<\/strong>:<br \/>\n(1) \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 \u043f\u0438\u043b\u043e\u0442\u043d\u043e\u0433\u043e \u043f\u0440\u043e\u0435\u043a\u0442\u0430 \u043f\u043e \u0432\u044b\u043f\u0443\u0441\u043a\u0443 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0440\u0443\u043f\u0438\u0438 (CBDC); (2) \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0435 \u043e\u0441\u043b\u0430\u0431\u043b\u0435\u043d\u0438\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0439 \u043d\u0430 \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u0443\u044e \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u044c (Gopay \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u044c \u043d\u043e\u0432\u044b\u0445 \u0438\u043d\u0432\u0435\u0441\u0442\u043e\u0440\u043e\u0432).<\/p>\n<p>\u0414\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u043a \u0434\u0430\u043d\u043d\u044b\u043c: \u043e\u0431\u044a\u0435\u043c \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u0434\u043e\u0441\u0442\u0438\u0433\u043d\u0435\u0442 $53 \u043c\u043b\u0440\u0434 \u043a 2023 \u0433\u043e\u0434\u0443 (Frost &amp; Sullivan), \u043d\u043e \u0434\u043e\u043b\u044f \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0432\u0441\u0435 \u0435\u0449\u0435 \u043e\u0441\u0442\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u0443\u0440\u043e\u0432\u043d\u0435 65% (\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0432 \u0433\u043e\u0440\u043e\u0434\u0430\u0445 \u0432\u0442\u043e\u0440\u043e\u0433\u043e \u0438 \u0442\u0440\u0435\u0442\u044c\u0435\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u0435\u0439).<\/p>\n<h3><strong>V. \u0421\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0441\u0435\u0433\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u0438 \u0438 \u0430\u043d\u0430\u043b\u0438\u0437 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438<\/strong><\/h3>\n<h4><strong>1. \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0435\u0432 \u0432\u044b\u0441\u043e\u043a\u043e\u0447\u0430\u0441\u0442\u043e\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>\u041f\u043b\u0430\u0442\u0435\u0436\u0438 \u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 (\u043b\u0438\u0434\u0438\u0440\u0443\u044e\u0442)<\/strong>:<\/p>\n<ul>\n<li><em>ShopeePay<\/em>(Shopee),<em>OVO<\/em>(Lazada\/Tokopedia) \u0434\u043e\u043c\u0438\u043d\u0438\u0440\u0443\u0435\u0442 \u0432 \u044d\u0442\u043e\u0439 \u0441\u0444\u0435\u0440\u0435, \u0430 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 BNPL (buy now pay later) \u0441\u0442\u0440\u0435\u043c\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0440\u0430\u0441\u0442\u0435\u0442.<\/li>\n<li>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f GoPay \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442 \u0441\u0438\u043d\u0435\u0440\u0433\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043f\u043e\u0434\u0445\u043e\u0434 \u043a \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 (TikTok Shop \u0438 \u0442. \u0434.) \u0447\u0435\u0440\u0435\u0437 \u043b\u043e\u0433\u0438\u0441\u0442\u0438\u043a\u0443 Gojek.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0410\u0432\u0442\u043e\u043d\u043e\u043c\u043d\u0430\u044f \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u0430\u044f \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u044f \u0438 \u043c\u0438\u043a\u0440\u043e\u0442\u043e\u0440\u0433\u043e\u0432\u043b\u044f<\/strong>:<\/p>\n<ul>\n<li>\u041a\u0430\u0440\u0442\u0430 Flazz \u043e\u0442 BCA \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0434\u043e\u043c\u0438\u043d\u0438\u0440\u0443\u0435\u0442 \u0432 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u043e\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0435, \u043d\u043e \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 QRIS QR-\u043a\u043e\u0434\u044b \u0443\u0441\u043a\u043e\u0440\u044f\u044e\u0442 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u0437\u0430\u043c\u0435\u0449\u0435\u043d\u0438\u044f (\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0441\u0435\u0442\u0438 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u043e\u0432 \"\u0443 \u0434\u043e\u043c\u0430\" Indomaret\/Alfamart).<\/li>\n<li>DANA \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0441\u0435\u0442\u044c \u0443\u043b\u0438\u0447\u043d\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432 (Pedagang Kaki Lima) \u0447\u0435\u0440\u0435\u0437 \u0441\u0435\u0442\u044c \u0430\u0433\u0435\u043d\u0442\u043e\u0432 \u0432 \u043c\u0430\u043b\u044b\u0445 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0445 \u0433\u043e\u0440\u043e\u0434\u0430\u0445.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u041e\u0431\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0432\u0437\u043d\u043e\u0441\u044b \u0438 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438<\/strong>:<\/p>\n<ul>\n<li>LinkAja \u043e\u0431\u043b\u0430\u0434\u0430\u0435\u0442 \u043c\u043e\u043d\u043e\u043f\u043e\u043b\u0438\u0435\u0439 \u043d\u0430 \u043a\u043e\u043c\u043c\u0443\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u043d\u044b\u0435 \u043a\u0430\u0440\u0442\u044b (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, JakLingko \u0434\u043b\u044f \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0433\u043e \u0431\u0438\u043b\u0435\u0442\u0430 \u0432 \u0414\u0436\u0430\u043a\u0430\u0440\u0442\u0435) \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 SOE.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h4><strong>2. \u0421\u0442\u0440\u0430\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0438 \u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0435\u043d\u0438\u044f<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>\u0442\u043e\u043b\u043f\u044b<\/strong><\/th>\n<th><strong>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b<\/strong><\/th>\n<th><strong>\u0434\u0432\u0438\u0436\u0443\u0449\u0430\u044f \u0441\u0438\u043b\u0430<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u043c\u043e\u043b\u043e\u0434\u043e\u0435 \u0433\u043e\u0440\u043e\u0434\u0441\u043a\u043e\u0435 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u0435<\/td>\n<td>GoPay\/ShopeePay<\/td>\n<td>\u0423\u0434\u043e\u0431\u0441\u0442\u0432\u043e \u0441\u0443\u043f\u0435\u0440\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f, \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f BNPL<\/td>\n<\/tr>\n<tr>\n<td>\u0421\u0435\u043c\u044c\u0438 \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e 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\u0431\u0430\u043b\u043b\u044b DANA<\/td>\n<td>\u041f\u0440\u043e\u0441\u0442\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435, \u043d\u0435 \u0442\u0440\u0435\u0431\u0443\u044e\u0449\u0435\u0435 \u043f\u043e\u043b\u043d\u043e\u0433\u043e KYC<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>VI. \u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u0430\u044f \u0441\u0440\u0435\u0434\u0430 \u0432 \u0441\u0444\u0435\u0440\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h3>\n<ol>\n<li>\n<p><strong><em>\u0412\u0441\u0442\u0443\u043f\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/em><\/strong>(\u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0435 \u0441\u0442\u0440\u0430\u043d\u044b \u2192 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u044f).<\/p>\n<ul>\n<li>Alipay+\/WeChat Pay (\u0434\u043b\u044f \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0445 \u0442\u0443\u0440\u0438\u0441\u0442\u043e\u0432) \u0438\u043c\u0435\u0435\u0442 \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u044d\u043a\u0432\u0430\u0439\u0440\u0438\u043d\u0433\u043e\u0432\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 BCA\/Mandiri, \u043d\u043e \u0441 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043d\u043e\u0439 \u0434\u043e\u043b\u0435\u0439.<\/li>\n<li>\u041e\u043d\u043b\u0430\u0439\u043d-\u0431\u0440\u043e\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043a\u0430\u0440\u0442 Visa\/Mastercard \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0434\u043e\u043c\u0438\u043d\u0438\u0440\u0443\u0435\u0442, \u043d\u043e \u0432 \u0410\u0421\u0415\u0410\u041d \u0432\u043d\u0435\u0434\u0440\u044f\u044e\u0442\u0441\u044f \u043e\u0442\u0435\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f (\u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 QR-\u043a\u0430\u0440\u0442\u044b Doku).<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong><em>\u0417\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0435 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0435 \u043a\u043e\u043b\u043b\u0435\u043a\u0446\u0438\u0438<\/em><\/strong>(\u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u044f \u2192 \u0417\u0430\u0433\u0440\u0430\u043d\u0438\u0446\u0430).<br \/>\n- Xendit \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u043c\u0443\u043b\u044c\u0442\u0438\u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0435 \u0440\u0430\u0441\u0447\u0435\u0442\u044b \u0438 \u0441\u0442\u0430\u043d\u043e\u0432\u0438\u0442\u0441\u044f \u043f\u0435\u0440\u0432\u044b\u043c \u0432\u044b\u0431\u043e\u0440\u043e\u043c \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u043e\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438.<br \/>\n- \u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Wise (\u0440\u0430\u043d\u0435\u0435 TransferWise) \u0431\u044b\u0441\u0442\u0440\u043e \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0432 \u0441\u0444\u0435\u0440\u0435 \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<p>VII. \u041f\u0440\u043e\u0433\u043d\u043e\u0437\u044b \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0439 \u043d\u0430 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0435 \u0442\u0440\u0438 \u0433\u043e\u0434\u0430<br \/>\n1.<strong>\u044d\u0441\u043a\u0430\u043b\u0430\u0446\u0438\u044f \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/strong>:: BI \u043c\u043e\u0436\u0435\u0442 \u0437\u0430\u0441\u0442\u0430\u0432\u0438\u0442\u044c \u0432\u0441\u0435 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0438\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438 \u0434\u0440\u0443\u0433 \u0434\u0440\u0443\u0433\u0443 (\u043f\u043e \u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0438 \u0441 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u043c UPI), \u0447\u0442\u043e \u043f\u043e\u0434\u043e\u0440\u0432\u0435\u0442 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u0437\u0430\u043a\u0440\u044b\u0442\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b.<br \/>\n2.<strong>\u0412\u043e\u0439\u043d\u0430 \u0437\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044e \u0441\u0443\u043f\u0435\u0440\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439<\/strong>:: \u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0435 \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0435\u043d\u0438\u0435 \u043c\u0435\u043b\u043a\u0438\u0445 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c\u0438 Grab-OVO \u0438\u043b\u0438 GoTo (Gopay+Tokopedia).<br \/>\n3.<strong>\u0412\u0437\u0440\u044b\u0432 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/strong>:<\/p>\n<ul>\n<li>\u0411\u0430\u043d\u043a Jago \u0438 Akulaku \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0430\u044e\u0442 \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \"\u0432\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\";<br \/>\n- \u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Kredivo (FINACCEL) \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u0438\u0442 \u043e\u0442 \u0432\u0438\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u044b\u0445 \u043a\u0430\u0440\u0442 \u043a \u043f\u043e\u043b\u043d\u043e\u0446\u0435\u043d\u043d\u043e\u0439 \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043a\u0435 \u0441\u0446\u0435\u043d.<\/li>\n<\/ul>\n<p>4.<strong>\u041f\u043e\u043f\u044b\u0442\u043a\u0438 \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u044f \u0430\u043f\u043f\u0430\u0440\u0430\u0442\u043d\u044b\u0445 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0439<\/strong>:<br \/>\n- Gojek \u0442\u0435\u0441\u0442\u0438\u0440\u0443\u0435\u0442 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043d\u043e\u0441\u0438\u043c\u044b\u0445 \u0443\u0441\u0442\u0440\u043e\u0439\u0441\u0442\u0432 NFC;<br \/>\n- QRIS \u0431\u0443\u0434\u0435\u0442 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0442\u044c \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044e \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0438 \u0437\u0432\u0443\u043a\u043e\u0432\u044b\u0445 \u0432\u043e\u043b\u043d (Sound-based Payment).<\/p>\n<hr>\n<p>VIII. \u0412\u044b\u0437\u043e\u0432\u044b \u0438 \u0440\u0430\u043d\u043d\u0435\u0435 \u043f\u0440\u0435\u0434\u0443\u043f\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435 \u043e \u0440\u0438\u0441\u043a\u0430\u0445<br \/>\n\u26a0\ufe0f <em>\u0420\u0430\u0441\u0445\u043e\u0434\u044b \u043d\u0430 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f<\/em>:: \u0423\u0436\u0435\u0441\u0442\u043e\u0447\u0430\u0435\u0442\u0441\u044f \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 BI \u043d\u0430 \u043f\u0440\u0435\u0434\u043c\u0435\u0442 \u043e\u0442\u043c\u044b\u0432\u0430\u043d\u0438\u044f \u0434\u0435\u043d\u0435\u0433, \u0430 \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u043d\u0443\u0436\u0434\u0430\u044e\u0442\u0441\u044f \u0432 \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438.<br \/>\n\u26a0\ufe0f <em>\u0434\u0438\u043b\u0435\u043c\u043c\u0430 \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/em>Gopay \u0438 \u0434\u0440\u0443\u0433\u0438\u0435 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043f\u043e\u043b\u0430\u0433\u0430\u044e\u0442\u0441\u044f \u043d\u0430 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0438 \u0434\u043b\u044f \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u0438 \u043f\u043e\u0441\u043b\u0435 2025 \u0433\u043e\u0434\u0430 \u0432 \u043e\u0442\u0440\u0430\u0441\u043b\u0438 \u043c\u043e\u0436\u0435\u0442 \u043d\u0430\u0447\u0430\u0442\u044c\u0441\u044f \u0432\u043e\u043b\u043d\u0430 \u0441\u043b\u0438\u044f\u043d\u0438\u0439 \u0438 \u043f\u043e\u0433\u043b\u043e\u0449\u0435\u043d\u0438\u0439.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u044b\u0439 \u043a\u0430\u0440\u0442\u043e\u0433\u0440\u0430\u0444\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0438\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0439\u0441\u043a\u043e\u0439 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u043e\u0445\u0432\u0430\u0442\u044b\u0432\u0430\u044e\u0449\u0438\u0439 \u0431\u0430\u043d\u043a\u0438, \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 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