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App\uff09\u548c\u6307\u7eb9\u8ba4\u8bc1\u66f4\u6613\u666e\u53ca\u3002<\/p>\n<\/li>\n<\/ul>\n<p>&#8211;<strong>\u533a\u5757\u94fe\u5e94\u7528\u8bd5\u9a8c\u7530<\/strong>:<br \/>\n\u592e\u884c\u8ba1\u5212\u63a8\u51fa\u57fa\u4e8e\u5206\u5e03\u5f0f\u8d26\u672c\u7684\u8de8\u5883\u6c47\u6b3e\u7cfb\u7edf\uff0c\u5408\u89c4\u53c2\u4e0e\u8005\u53ef\u4e89\u53d6\u8bd5\u70b9\u8d44\u683c\u3002<\/p>\n<h4><strong>9.\u653f\u7b56\u7ea2\u5229\u65f6\u95f4\u7a97\u53e3<\/strong><\/h4>\n<p>2024\u5e74\u8d77\u503c\u5f97\u5173\u6ce8\u7684\u653f\u7b56\u52a8\u5411\uff1a<\/p>\n<ol>\n<li>\ud83c\udde7\ud83c\udde9 <em>\u300a\u56fd\u5bb6\u6570\u5b57\u5546\u4e1a\u653f\u7b56\u300b\u8349\u6848<\/em>:\u62df\u8981\u6c42\u6240\u6709\u5e74\u8425\u6536\u8d851\u4ebf\u5854\u5361\u7684\u4f01\u4e1a\u5fc5\u987b\u63a5\u5165\u7535\u5b50\u652f\u4ed8<\/li>\n<li>\ud83c\udf0f RCEP\u5173\u7a0e\u51cf\u514d:\u4e2d\u56fd\u652f\u4ed8\u7684\u786c\u4ef6\u4f9b\u5e94\u5546(\u5982POS\u673a)\u8fdb\u53e3\u6210\u672c\u6216\u964d\u4f4e15%<\/li>\n<li>\ud83c\udfe6 BSD\u65b0\u89c4:\u592e\u884c\u53ef\u80fd\u5141\u8bb8\u975e\u94f6\u884c\u673a\u6784\u53d1\u884c\u9884\u4ed8\u5361<\/li>\n<\/ol>\n<p>\u25b6\ufe0f\u5e94\u5bf9\u7b56\u7565:<br \/>\n\u2022\t\u63d0\u524d\u7533\u8bf7EMI(Electronic Money Institution)\u724c\u7167,\u76ee\u524d\u4ec56\u5bb6\u6301\u724c<br \/>\n\u2022\t\u5728\u7ecf\u6d4e\u7279\u533a(\u5982\u5409\u5927\u6e2f)\u8bbe\u7acb\u6570\u636e\u4e2d\u5fc3\u4ee5\u7b26\u5408\u6570\u636e\u672c\u5730\u5316\u8981\u6c42<\/p>\n<p>10.<strong>\u98ce\u9669\u5bf9\u51b2\u65b9\u6848<\/strong><\/p>\n<table>\n<thead>\n<tr>\n<th>\u98ce\u9669\u7c7b\u578b<\/th>\n<th>\u5178\u578b\u6848\u4f8b<\/th>\n<th>\u7f13\u89e3\u63aa\u65bd<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6d41\u52a8\u6027\u98ce\u9669<\/td>\n<td>2023\u5e74bKash\u56e0\u4ee3\u7406\u7f51\u70b9\u6324\u5151\u6682\u505c\u63d0\u73b012\u5c0f\u65f6<\/td>\n<td>\u4e0e\u5408\u4f5c\u94f6\u884c\u7b7e\u8ba2\u7d27\u6025\u6e05\u7b97\u534f\u8bae<\/td>\n<\/tr>\n<tr>\n<td>\u6c47\u7387\u6ce2\u52a8<\/td>\n<td>\u5854\u5361\u5bf9\u7f8e\u5143\u5e74\u8d2c\u503c\u7ea66%<\/td>\n<td>\u52a8\u6001\u8c03\u6574\u591a\u5e01\u79cd\u7ed3\u7b97\u6bd4\u4f8b<\/td>\n<\/tr>\n<tr>\n<td>\u5730\u7f18\u653f\u6cbb\u5f71\u54cd<\/td>\n<td>\u4e2d\u8d44\u4f01\u4e1a\u53ef\u80fd\u9762\u4e34\u5ba1\u67e5\u538b\u529b<\/td>\n<td>\u5408\u8d44\u5b9e\u4f53\u7531\u5b5f\u65b9\u63a7\u80a151%+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>11.<strong>\u6570\u636e\u6d1e\u5bdf\u9a71\u52a8\u7684\u8fd0\u8425\u4f18\u5316<\/strong><br \/>\n\u5173\u952e\u6307\u6807\u76d1\u63a7\u5efa\u8bae:<br \/>\n\ud83d\udcca\u4ee3\u7406\u6e20\u9053\u5065\u5eb7\u5ea6:\u5355\u7f51\u70b9\u6708\u5747\u4ea4\u6613\u7b14\u6570&lt;200\u5373\u9700\u6276\u6301<br \/>\n\ud83d\udcc8\u7528\u6237\u5206\u5c42\u4ef7\u503c:LTV\u663e\u793abKash\u9ad8\u9891\u7528\u6237\u5e74\u5747\u8d21\u732e<x-equation>14 vs Nagad\u7684<\/x-equation>9<br \/>\n\ud83d\udd10\u98ce\u63a7\u9608\u503c\u8bbe\u5b9a:\u5bf9&gt;500\u7f8e\u5143\u7684\u8f6c\u8d26\u5f3a\u5236OTP+\u4eba\u8138\u53cc\u91cd\u9a8c\u8bc1<\/p>\n<p>12.<strong>\u751f\u6001\u5171\u5efa\u8def\u5f84<\/strong><br \/>\n\u8de8\u56fd\u4f01\u4e1a\u843d\u5730\u7684\u6700\u4f73\u5b9e\u8df5\u7ec4\u5408\u62f3:<br \/>\n\u2460 Phase1 :\u4e3a\u672c\u5730\u7535\u5546Daraz\u63d0\u4f9b\u5d4c\u5165\u5f0f\u94b1\u5305(Daraz Wallet\u5df2\u8bd5\u6c34)<br \/>\n\u2461 Phase2 :\u8054\u5408\u519c\u6751\u5408\u4f5c\u793e\u63a8\u5e7f\u626b\u7801\u8d2d\u5316\u80a5\u7b49\u573a\u666f<br \/>\n\u2462 Phase3 :\u901a\u8fc7NGO\u5408\u4f5c\u5c06\u5de5\u8d44\u53d1\u653e\u6570\u5b57\u5316(\u4e16\u754c\u7cae\u98df\u8ba1\u5212\u7f72\u9879\u76ee\u5df2\u9a8c\u8bc1\u53ef\u884c\u6027)<\/p>\n<p>\u25b7\u8fdb\u9636\u601d\u8def:\u628a\u652f\u4ed8\u7f51\u5173\u53d8\u6210&quot;\u8d85\u7ea7App\u5165\u53e3&quot;,\u590d\u5236\u5370\u5c3cGojek\u6a21\u5f0f\u2014\u2014\u4f46\u9700\u6ce8\u610f\u5b5f\u52a0\u62c9\u5b97\u6559\u6587\u5316\u5bf9\u5a31\u4e50\u5185\u5bb9\u654f\u611f\u5ea6\u8f83\u9ad8\u3002<\/p>\n<p>\u7ed3\u8bed<br \/>\n\u52302026\u5e74,\u9884\u8ba1\u5b5f\u52a0\u62c9\u524d\u4e09\u5927\u652f\u4ed8\u5e73\u53f0\u5c06\u63a7\u523675%\u4ee5\u4e0a\u7684\u5e02\u573a\u4efd\u989d,\u4f46\u7ec6\u5206\u9886\u57df\u4ecd\u6709\u98a0\u8986\u7a7a\u95f4\u3002\u6210\u529f\u7684\u5173\u952e\u5728\u4e8e:<br \/>\n\u2713\u7528\u4ee3\u7406\u4eba\u6d77\u6218\u672f\u7a81\u7834\u6700\u540e\u4e00\u516c\u91cc \u2713\u6293\u4f4f\u653f\u7b56\u5f3a\u5236\u7535\u5b50\u5316\u7684\u98ce\u53e3\u884c\u4e1a \u2713\u8bbe\u8ba1\u7b26\u5408\u4f0a\u65af\u5170\u91d1\u878d\u89c4\u5219\u7684\u514d\u606f\u5206\u671f\u4ea7\u54c1<\/p>\n<p>\u9700\u8981\u5177\u4f53\u67d0\u4e2a\u73af\u8282(\u5982\u724c\u7167\u7533\u8bf7\u6d41\u7a0b\/\u8d39\u7387\u7ed3\u6784\u8bbe\u8ba1)\u7684\u6df1\u5ea6\u62c6\u89e3,\u53ef\u4ee5\u8fdb\u4e00\u6b65\u63a2\u8ba8!<\/p>\n<h3><strong>\u5b5f\u52a0\u62c9\u652f\u4ed8\u7f51\u5173\u5e02\u573a\u7684\u6df1\u5ea6\u8fd0\u8425\u7b56\u7565\u4e0e\u672a\u6765\u5c55\u671b<\/strong><\/h3>\n<h4><strong>13. \u7528\u6237\u884c\u4e3a\u5206\u6790\u4e0e\u4ea7\u54c1\u672c\u5730\u5316\u9002\u914d<\/strong><\/h4>\n<p>\u5b5f\u52a0\u62c9\u7528\u6237\u7684\u652f\u4ed8\u4e60\u60ef\u5177\u6709\u9c9c\u660e\u7279\u70b9\uff0c\u9700\u9488\u5bf9\u6027\u8bbe\u8ba1\uff1a<\/p>\n<ul>\n<li>\n<p><strong>\u73b0\u91d1\u4f9d\u8d56\u4e0e\u4fe1\u4efb\u673a\u5236<\/strong><\/p>\n<ul>\n<li><em>\u73b0\u72b6<\/em>\uff1a75%\u7684\u7535\u5546\u8ba2\u5355\u4ecd\u9009\u62e9\u8d27\u5230\u4ed8\u6b3e\uff08COD\uff09\uff0c\u4f46\u9000\u8d27\u7387\u9ad8\u8fbe30%\u3002<\/li>\n<li><em>\u89e3\u51b3\u65b9\u6848<\/em>\uff1a\u63a8\u51fa&quot;\u9884\u4ed8\u8d39\u6298\u6263&quot;\uff08\u5982\u63d0\u524d\u652f\u4ed8\u4eab5%\u4f18\u60e0\uff09\u9010\u6b65\u8f6c\u5316\u7528\u6237\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u5b97\u6559\u6587\u5316\u5f71\u54cd<\/strong><\/p>\n<ul>\n<li>\u4f0a\u65af\u5170\u6559\u6cd5\u7981\u6b62\u5229\u606f\uff08Riba\uff09\uff0c\u9700\u5f00\u53d1\u7b26\u5408Sharia\u7684\u91d1\u878d\u4ea7\u54c1\u3002<br \/>\n\u25b6\ufe0f\u6848\u4f8b\uff1aIslami Bank Bangladesh\u7684\u5229\u6da6\u5206\u6210\u6a21\u5f0f\uff08Mudaraba\uff09\u66ff\u4ee3\u4f20\u7edf\u5206\u671f\u5229\u606f\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u793e\u4ea4\u88c2\u53d8\u6f5c\u529b<\/strong><br \/>\n\u63a8\u8350\u5956\u52b1\u6548\u679c\u663e\u8457\u2014\u2014bKash\u7528\u6237\u9080\u8bf7\u597d\u53cb\u53ef\u5f9720\u5854\u5361\uff0c\u75c5\u6bd2\u4f20\u64ad\u7cfb\u6570\u8fbe1.8\u3002<\/p>\n<\/li>\n<\/ul>\n<h4><strong>14. \u4ee3\u7406\u7f51\u7edc\u7cbe\u7ec6\u5316\u8fd0\u8425\u7b56\u7565<\/strong><\/h4>\n<p>\u5168\u56fd50\u4e07\u4e2a\u4ee3\u7406\u7f51\u70b9\u662f\u7ebf\u4e0b\u6838\u5fc3\u8282\u70b9\uff0c\u4f18\u5316\u65b9\u5411\u5305\u62ec\uff1a<\/p>\n<table>\n<thead>\n<tr>\n<th>\u5c42\u7ea7<\/th>\n<th>\u75db\u70b9<\/th>\n<th>\u5347\u7ea7\u65b9\u6848<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u57ce\u5e02\u4ee3\u7406\u5546<\/td>\n<td>\u8d44\u91d1\u5468\u8f6c\u538b\u529b\u5927<\/td>\n<td>\u63d0\u4f9b\u52a8\u6001\u6388\u4fe1\u989d\u5ea6(\u57fa\u4e8e\u4ea4\u6613\u6d41\u6c34\u9884\u6d4b)<\/td>\n<\/tr>\n<tr>\n<td>\u519c\u6751\u4ee3\u529e\u70b9<\/td>\n<td>\u6570\u5b57\u6280\u80fd\u4e0d\u8db3<\/td>\n<td>\u914d\u5907\u5e26\u8bed\u97f3\u6307\u5bfc\u7684\u7b80\u6613POS\u8bbe\u5907<\/td>\n<\/tr>\n<tr>\n<td>\u5927\u5b66\u751f\u517c\u804c\u4ee3\u7406<\/td>\n<td>\u6d41\u52a8\u6027\u8fc7\u9ad8<\/td>\n<td>\u8bbe\u8ba1\u9636\u68af\u5f0f\u4f63\u91d1(\u6301\u7eed6\u4e2a\u6708\u989d\u5916\u5956\u52b1)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u25b6\ufe0f\u521b\u65b0\u5b9e\u9a8c:<br \/>\n\u2022\t\u5c06Airtel\u5145\u503c\u7ad9\u6539\u9020\u6210\u591a\u529f\u80fd\u91d1\u878d\u670d\u52a1\u4ead(\u80af\u5c3c\u4e9aM-PESA\u5df2\u9a8c\u8bc1)<br \/>\n\u2022\t\u7528\u6e38\u620f\u5316\u4efb\u52a1\u63d0\u5347\u6d3b\u8dc3\u5ea6(\u5b8c\u621010\u7b14\u8f6c\u8d26\u89e3\u9501\u9ec4\u91d1\u5fbd\u7ae0)<\/p>\n<p>15.<strong>\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u5efa\u8bbe<\/strong><br \/>\n2023\u5e74\u5b5f\u52a0\u62c9\u6570\u5b57\u652f\u4ed8\u8bc8\u9a97\u91d1\u989d\u540c\u6bd4\u6fc0\u589e67%\uff0c\u9632\u5fa1\u77e9\u9635\u5e94\u5305\u542b:<\/p>\n<p>&#8211;<strong>\u751f\u7269\u7279\u5f81\u5e93<\/strong>:<br \/>\n\u8054\u5408\u9009\u4e3e\u59d4\u5458\u4f1a\u63a5\u5165\u56fd\u6c11\u8eab\u4efd\u8bc1(NID)\u7684\u4eba\u8138\u6570\u636e\u6838\u9a8c<br \/>\n&#8211;<strong>AI\u5b9e\u65f6\u76d1\u63a7<\/strong>:<br \/>\n\u5bf9\u51cc\u66683-5\u70b9\u7684\u9ad8\u9891\u5c0f\u989d\u8f6c\u8d26\u81ea\u52a8\u89e6\u53d1\u4eba\u5de5\u590d\u6838<br \/>\n&#8211;<strong>\u793e\u7fa4\u8054\u9632<\/strong>:<br \/>\n\u5efa\u7acb\u4ee3\u7406\u4eba\u4e3e\u62a5\u673a\u5236(\u67e5\u5b9e\u6b3a\u8bc8\u5206\u4f6350%\u7f5a\u91d1\u4f5c\u4e3a\u5956\u91d1)<\/p>\n<p>\u25b7\u6280\u672f\u91c7\u8d2d\u5efa\u8bae:\u4f18\u5148\u8003\u8651\u672c\u5730\u5316\u670d\u52a1\u7684\u5382\u5546\u5982Brain Station23\u7684\u98ce\u63a7\u7cfb\u7edf\u3002<\/p>\n<p>16.<strong>\u76c8\u5229\u6a21\u5f0f\u521b\u65b0<\/strong><br \/>\n\u7a81\u7834\u5355\u7eaf\u624b\u7eed\u8d39\u7ade\u4e89\u7684\u4e09\u79cd\u8def\u5f84:<\/p>\n<p>\u2460 <em>\u6570\u636e\u53d8\u73b0<\/em>:<br \/>\n\u5411MFI(\u5c0f\u989d\u4fe1\u8d37\u673a\u6784)\u51fa\u552e\u5546\u6237\u73b0\u91d1\u6d41\u753b\u50cf(\u9700\u83b7\u5f97\u7528\u6237\u6388\u6743)<br \/>\n\u2461 <em>\u8de8\u5883\u751f\u6001\u95ed\u73af<\/em> :<br \/>\n\u5728\u5916\u52b3\u805a\u96c6\u5730(Dhaka\u673a\u573a\/\u6c99\u7279\u963f\u62c9\u4f2f\u4f7f\u9986\u5468\u8fb9)\u8bbe\u7acb\u5916\u6c47\u4e13\u7a97<br \/>\n\u2462 <em>\u653f\u5e9c\u8865\u8d34\u9879\u76ee<\/em> :<br 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