{"id":17643,"date":"2025-05-28T12:59:58","date_gmt":"2025-05-28T09:59:58","guid":{"rendered":"https:\/\/waya.media\/arabi\/?p=17643"},"modified":"2025-05-28T13:08:17","modified_gmt":"2025-05-28T10:08:17","slug":"%d9%83%d9%84-%d8%ae%d8%af%d9%85%d8%a7%d8%aa%d9%83-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%81%d9%8a-%d9%85%d9%83%d8%a7%d9%86-%d9%88%d8%a7%d8%ad%d8%af-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84","status":"publish","type":"post","link":"https:\/\/waya.media\/arabi\/%d9%83%d9%84-%d8%ae%d8%af%d9%85%d8%a7%d8%aa%d9%83-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%81%d9%8a-%d9%85%d9%83%d8%a7%d9%86-%d9%88%d8%a7%d8%ad%d8%af-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84\/","title":{"rendered":"\u0643\u0644 \u062e\u062f\u0645\u0627\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0645\u0643\u0627\u0646 \u0648\u0627\u062d\u062f: \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u064e\u062c"},"content":{"rendered":"\n<p><a href=\"https:\/\/waya.media\/arabi\/%d8%a8%d8%a7%d9%84%d8%a3%d8%b1%d9%82%d8%a7%d9%85\/\">\u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645<\/a>\u060c \u0633\u0644\u0633\u0644\u0629 \u0646\u0635\u0641 \u0634\u0647\u0631\u064a\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u062a\u064f\u0635\u062f\u0631 \u0628\u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u0645\u062c\u0645\u0648\u0639\u0629 <a href=\"https:\/\/efghldg.com\/en\">&#8220;\u0625\u064a \u0627\u0641 \u0686\u064a&#8221; \u0627\u0644\u0642\u0627\u0628\u0636\u0629<\/a>\u060c \u0648\u062a\u064f\u0633\u0644\u0651\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 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\u062a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u064a\u0648\u0645\u064a\u0627\u064b. \u0644\u0627 \u062a\u0633\u062c\u064a\u0644 \u062f\u062e\u0648\u0644 \u0625\u0636\u0627\u0641\u064a\u060c \u0648\u0644\u0627 \u0623\u0648\u0631\u0627\u0642\u060c \u0641\u0642\u0637 \u0628\u0639\u0636 \u0627\u0644\u0646\u0642\u0631\u0627\u062a&#8230; \u0648\u062a\u062a\u0645 \u0627\u0644\u0639\u0645\u0644\u064a\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0645\u0627 \u0647\u0648 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u064e\u062c\u061f<\/strong><\/h3>\n\n\n\n<p>\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u064e\u062c \u0647\u0648 \u0625\u062f\u062e\u0627\u0644 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629\u2014\u0645\u062b\u0644 \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0623\u0648 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0623\u0648 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\u0623\u0646 &#8220;\u0627\u0644\u0628\u0646\u0643 \u0647\u0648 \u0627\u0644\u0645\u0643\u0627\u0646 \u0627\u0644\u0630\u064a \u062a\u0630\u0647\u0628 \u0625\u0644\u064a\u0647&#8221; \u0625\u0644\u0649 \u0623\u0646 &#8220;\u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062a\u0638\u0647\u0631 \u0644\u0643 \u0641\u064a \u0627\u0644\u0644\u062d\u0638\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629&#8221;.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645: \u0642\u0635\u0629 \u0646\u0645\u0648 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u062c\u0627\u0647\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0625\u0641\u0631\u064a\u0642\u064a\u0627<\/strong><\/h1>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-1024x576.png\" alt=\"\" class=\"wp-image-17644\" srcset=\"https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-1024x576.png 1024w, https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-300x169.png 300w, https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-768x432.png 768w, https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-1536x864.png 1536w, https:\/\/waya.media\/arabi\/wp-content\/uploads\/sites\/2\/2025\/05\/By-The-Numbers_Artical_Graph_AR-2048x1152.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u0627\u0644\u0645\u0635\u062f\u0631: Research and Markets<\/figcaption><\/figure>\n\n\n\n<p>\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u062a\u0631\u0648\u064a \u0627\u0644\u0642\u0635\u0629:<\/p>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.businesswire.com\/news\/home\/20240520300739\/en\/Saudi-Arabia-Embedded-Finance-Business-Report-2024-A-%2415.72-Billion-Industry-by-2029---75-KPIs-on-Embedded-Lending-Investment-Opportunities-Insurance-Payment-and-Wealth-Segments---ResearchAndMarkets.com\">\u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/a> \u062a\u0642\u0648\u062f \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a \u0628\u062d\u062c\u0645 5.8 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a 2024\u060c \u0648\u0645\u062a\u0648\u0642\u0651\u0639 \u0623\u0646 \u064a\u0635\u0644 \u0625\u0644\u0649 15.7 \u0645\u0644\u064a\u0627\u0631 \u0641\u064a 2029.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.businesswire.com\/news\/home\/20240809109089\/en\/Egypt-Embedded-Finance-Business-and-Investment-Opportunities-Report-2024-Market-to-Grow-by-58.3-this-Year---Embedded-Lending-Insurance-Payment-and-Wealth-Segments-to-2029---ResearchAndMarkets.com\">\u0645\u0635\u0631<\/a> \u062a\u064f\u0638\u0647\u0631 \u0623\u0633\u0631\u0639 \u0646\u0645\u0648 \u0628\u0646\u0633\u0628\u0629 \u0633\u0646\u0648\u064a\u0629 \u0645\u0631\u0643\u0628\u0629 \u062a\u0628\u0644\u063a 44.1\u066a.<\/li>\n\n\n\n<li>\u062d\u0635\u0629 <a href=\"https:\/\/www.globenewswire.com\/news-release\/2024\/09\/23\/2951474\/28124\/en\/Africa-Middle-East-Embedded-Finance-Business-Report-2024-2029-Key-Product-Launches-Recent-Developments-Strategic-Partnerships.html\">\u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u0648\u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637<\/a> \u0645\u0646 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0633\u062a\u0631\u062a\u0641\u0639 \u0645\u0646 9.6\u066a \u0641\u064a 2024 \u0625\u0644\u0649 15\u066a \u0641\u064a 2029\u060c \u0623\u064a \u0646\u062d\u0648 \u0636\u0639\u0641 \u0645\u0639\u062f\u0644 <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/03\/28\/3051414\/0\/en\/Embedded-Finance-Market-Surges-to-251-5-billion-by-2029-Dominated-by-Plaid-Inc-US-and-Klarna-Bank-AB-Sweden.html\">\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0639\u0627\u0644\u0645\u064a<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>\u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648 \u0644\u064a\u0633 \u0645\u0639\u0632\u0648\u0644\u0627\u064b\u061b \u0628\u0644 \u064a\u0623\u062a\u064a \u0636\u0645\u0646 \u0637\u0641\u0631\u0629 \u0623\u0634\u0645\u0644 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0641\u064a\u0646\u062a\u0643). <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/banking-matters\/mena-fintechs-ascent-growth-investment-and-the-path-forward\">\u062a\u0648\u0642\u0651\u0639\u0627\u062a \u0645\u0627\u0643\u0646\u0632\u064a<\/a> \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0633\u062a\u0643\u0648\u0646 \u0627\u0644\u0623\u0633\u0631\u0639 \u0646\u0645\u0648\u0627\u064b \u0639\u0627\u0644\u0645\u064a\u0627\u064b \u0641\u064a \u0625\u064a\u0631\u0627\u062f\u0627\u062a &#8220;\u0627\u0644\u0641\u064a\u0646\u062a\u0643&#8221;\u060c \u0628\u0646\u0633\u0628\u0629 \u0646\u0645\u0648 \u0633\u0646\u0648\u064a \u062a\u0628\u0644\u063a 35\u066a \u062d\u062a\u0649 2028\u060c \u0623\u064a \u0623\u0643\u062b\u0631 \u0645\u0646 \u0636\u0639\u0641 \u0627\u0644\u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u0639\u0627\u0644\u0645\u064a.<\/p>\n\n\n\n<p>\u064a\u0639\u0648\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648 \u0628\u0634\u0643\u0644 \u0631\u0626\u064a\u0633\u064a \u0625\u0644\u0649 <a href=\"https:\/\/www.worldgovernmentssummit.org\/observer\/articles\/detail\/empowering-mena-youth\">\u0627\u0644\u062a\u0631\u0643\u064a\u0628\u0629 \u0627\u0644\u0633\u0643\u0627\u0646\u064a\u0629<\/a>\u060c \u0625\u0630 \u064a\u0642\u062f\u0651\u0631 \u0631\u0628\u0639 \u0627\u0644\u0633\u0643\u0627\u0646 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0628\u0623\u0646\u0647\u0645 \u062f\u0648\u0646 \u0627\u0644\u062b\u0644\u0627\u062b\u064a\u0646\u060c \u0648\u062a\u0631\u062a\u0641\u0639 \u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0623\u0643\u062b\u0631 \u0645\u0646 50\u066a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0648\u0645\u0635\u0631 \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a. \u0647\u0630\u0647 \u0627\u0644\u0623\u062c\u064a\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u062a\u0628\u062d\u062b \u0639\u0646 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u064f\u062f\u0645\u064e\u062c\u0629 \u0641\u064a \u062a\u0637\u0628\u064a\u0642\u0627\u062a\u0647\u0627 \u0627\u0644\u0645\u0641\u0636\u0644\u0629.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\u0643\u064a\u0641 \u064a\u063a\u064a\u0651\u0631 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u064e\u062c \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0644\u0639\u0628\u0629\u061f<\/strong><\/h1>\n\n\n\n<p>\u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0636\u0645\u064e\u0651\u0646 \u064a\u0639\u064a\u062f \u062a\u0639\u0631\u064a\u0641 \u0643\u064a\u0641\u064a\u0629 \u062a\u0639\u0627\u0645\u0644\u0646\u0627 \u0645\u0639 \u0627\u0644\u0645\u0627\u0644:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0643\u0627\u0644\u0639\u0627\u062f\u0629<\/strong><\/h2>\n\n\n\n<p>\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0623\u0635\u0628\u062d\u062a \u0623\u0630\u0643\u0649.<\/p>\n\n\n\n<p>\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u062a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a <a href=\"https:\/\/blog.brankas.com\/open-banking-in-mena-financial-landscape#:~:text=1,the%20Adoption%20of%20Open%20Banking\">\u0644\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0639\u0631\u0648\u0636<\/a> \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631. \u062a\u0639\u062a\u0645\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0628\u062f\u064a\u0644\u0629 \u0645\u062b\u0644 \u0646\u0634\u0627\u0637 \u0627\u0644\u062a\u0633\u0648\u0651\u0642 \u0623\u0648 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0644\u062a\u0642\u064a\u064a\u0645 <a href=\"https:\/\/nymcard.com\/2025\/03\/10\/ai-powered-credit-decisioning-the-future-of-sme-and-consumer-lending-in-mena\/?utm_\">\u0627\u0644\u062c\u062f\u0627\u0631\u0629<\/a> <a href=\"https:\/\/www.equifax.com\/business\/blog\/-\/insight\/article\/how-ai-is-transforming-traditional-credit-scoring-lending\/\">\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0645\u0642\u062f\u0651\u0645\u0629<\/strong><\/h2>\n\n\n\n<p>\u0642\u0637\u0627\u0639 &#8220;\u0627\u0644\u0641\u064a\u0646\u062a\u0643&#8221; \u064a\u0632\u062f\u0647\u0631 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629.<\/p>\n\n\n\n<p>\u0634\u0647\u062f \u0642\u0637\u0627\u0639 &#8220;\u0627\u0644\u0641\u064a\u0646\u062a\u0643&#8221; <a href=\"https:\/\/www.msn.com\/en-ae\/money\/news\/technological-growth-fintech-drives-mena-s-financial-innovation\/ar-AA1Evt53\">\u0646\u0645\u0648\u064b\u0627 \u0633\u0646\u0648\u064a\u064b\u0627 \u0645\u0631\u0643\u0628\u064b\u0627 \u064a\u0642\u0627\u0631\u0628 39\u066a<\/a> \u0628\u064a\u0646 2020 \u06482024\u060c \u0645\u062a\u062c\u0627\u0648\u0632\u0627\u064b \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0633\u0646\u0648\u064a\u0627\u064b \u0641\u064a 2022 \u06482023.&nbsp;<\/p>\n\n\n\n<p>\u0645\u0646 \u0623\u0628\u0631\u0632 \u0627\u0644\u0646\u062a\u0627\u0626\u062c\u061f \u0635\u0639\u0648\u062f \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0634\u0627\u0645\u0644\u0629: \u0645\u0646\u0635\u0627\u062a \u062a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u062f\u0641\u0639\u060c \u0627\u0644\u0627\u062f\u062e\u0627\u0631\u060c \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0648\u062d\u062a\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646&#8230; \u0641\u064a \u0645\u0643\u0627\u0646 \u0648\u0627\u062d\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0627\u0644\u0628\u0646\u0648\u0643 \u062a\u062f\u062e\u0644 \u0639\u0644\u0649 \u0627\u0644\u062e\u0637<\/strong><\/h2>\n\n\n\n<p>\u0644\u0645 \u062a\u0642\u0641 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0645\u0643\u062a\u0648\u0641\u0629 \u0627\u0644\u0623\u064a\u062f\u064a.<\/p>\n\n\n\n<p>\u0627\u0639\u062a\u0645\u062f\u062a <a href=\"https:\/\/www.pymnts.com\/news\/digital-banking\/2024\/41-of-banks-offer-embedded-finance-solutions-have-fintechs-to-thank\/\">41% \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643<\/a>&nbsp; \u0641\u064a \u0639\u0627\u0645 2024 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0636\u0645\u064e\u0651\u0646\u060c \u0648%48 \u0648\u0633\u0651\u0639\u062a \u062e\u062f\u0645\u0627\u062a &#8220;\u0627\u0644\u0628\u0646\u0643 \u0643\u0645\u0646\u0635\u0629&#8221;.<\/p>\n\n\n\n<p>\u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0623\u0635\u0628\u062d \u0648\u0627\u0636\u062d\u064b\u0627: \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0644\u064a\u0633 \u062e\u064a\u0627\u0631\u064b\u0627&#8230; \u0628\u0644 \u0636\u0631\u0648\u0631\u0629.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\u062a\u062d\u062f\u064a\u0627\u062a\u060c \u0641\u062c\u0648\u0627\u062a \u0648\u0645\u062e\u0627\u0637\u0631!<\/strong><\/h1>\n\n\n\n<p>\u0631\u063a\u0645 \u0627\u0644\u0632\u062e\u0645\u060c \u0644\u0627 \u064a\u0632\u0627\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u064e\u062c \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u064a\u0648\u0627\u062c\u0647 \u062a\u062d\u062f\u064a\u0627\u062a \u062d\u0642\u064a\u0642\u064a\u0629:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0645\u062a\u0641\u0631\u0642\u0629 \u0648\u0648\u0627\u0642\u0639 \u062a\u0646\u0638\u064a\u0645\u064a \u0645\u0639\u0642\u0651\u062f<\/strong><\/h2>\n\n\n\n<p>\u0647\u0646\u0627\u0643 \u0628\u0639\u0636 \u0627\u0644\u062a\u0642\u062f\u0651\u0645\u060c <a href=\"https:\/\/openbanking.sa\/index.html\">\u0641\u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/a> \u062a\u0637\u0628\u0642 \u0628\u0627\u0644\u0641\u0639\u0644 \u0625\u0637\u0627\u0631\u0627\u064b \u0634\u0627\u0645\u0644\u0627\u064b \u0644\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u060c \u0628\u064a\u0646\u0645\u0627 \u0623\u0637\u0644\u0642\u062a <a href=\"https:\/\/www.centralbank.ae\/ar\/our-operations\/fintech-digital-transformation\/sandbox-initiatives\/\">\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a<\/a> \u0648<a href=\"https:\/\/bahrain.bh\/wps\/portal\/ar\/!ut\/p\/z1\/tZNLT8MwDID_Si-V4NDFXcsauBU26EAw2Ngrl6mPtA1qky4Le_x7UnFAG2yFA7nZ-iw5n21E0AwRHq5ZFiomeFjoeE46C7t_AQG-AQienrvQGQTYa3vXzuCyjab7gP06BniZ9P3h4LZrg2sj8pt6OPJ8aKqfIIJIFbMEzaMUg-2kjuUlAJab2K6FKbStxMZxitPIpV5c0zFXlco1z6sF5SbQbVUISY0ozGXI6kRJZcZ4Ziga51wUImN0ZYKkRahoYihRsVjHKeMhj1lYfHE740xn6_D80Mz31snpj5-uD5wmM_dNgJ4te1suia-VCN30VqHZvzshJ7uqf7UPHCzUAzQA9cY1mZ1rs95xMw6arhndoDEXstQ3MPrjigWARpTX_rNCRJ9H5PPIwRkikqZUUtl6lzqdK1WtrkwwYbPZtDIhsoK2YlGa8FNJLlZ6QPskqsrxuMTOjlkk6gx76WPPce-mePUB6Qkw8g!!\/dz\/d5\/L0lHSkpZQSEhL3dMTUFMa0FFa0EhIS80TlZFL2Fy\/\">\u0627\u0644\u0628\u062d\u0631\u064a\u0646<\/a> \u0628\u064a\u0626\u0627\u062a \u0627\u062e\u062a\u0628\u0627\u0631\u064a\u0629 &#8220;\u0633\u0627\u0646\u062f \u0628\u0648\u0643\u0633&#8221;\u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u062d\u0630\u0648 <a href=\"https:\/\/openbanking.ng\/open-banking-in-egypt\/?utm_\">\u0645\u0635\u0631<\/a> \u062d\u0630\u0648\u0647\u0627 \u0642\u0631\u064a\u0628\u0627\u064b.<\/p>\n\n\n\n<p>\u0644\u0643\u0646\u0651 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u0625\u0642\u0644\u064a\u0645\u064a <a href=\"https:\/\/flourishventures.com\/perspectives\/fuse-investment\/#:~:text=Cross,disburse%20salaries%20in%20the%20region\">\u0644\u0627 \u064a\u0632\u0627\u0644 \u0635\u0639\u0628\u0627\u064b<\/a>: \u062a\u062e\u062a\u0644\u0641 \u062a\u0631\u0627\u062e\u064a\u0635 \u0627\u0644\u0639\u0645\u0644 \u0648\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0642\u0627\u0635\u0629 \u0645\u0646 \u0628\u0644\u062f \u0644\u0622\u062e\u0631. \u062a\u0648\u0633\u064f\u0651\u0639 \u0634\u0631\u0643\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0642\u062f \u064a\u062a\u0637\u0644\u0651\u0628 \u0633\u062a\u0629 \u0623\u0634\u0647\u0631 \u0641\u0642\u0637 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0645\u062d\u0644\u064a.<\/p>\n\n\n\n<p>\u0625\u0636\u0627\u0641\u0629\u064b\u060c \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f \u0644\u0627 \u062a\u0632\u0627\u0644 \u0645\u0634\u0643\u0644\u0629: \u0628\u0637\u064a\u0626\u0629\u060c \u0645\u0643\u0644\u0641\u0629\u060c \u0648\u0645\u062c\u0632\u0623\u0629. \u0645\u0646 \u062f\u0648\u0646 \u062a\u0646\u0633\u064a\u0642 \u062a\u0646\u0638\u064a\u0645\u064a \u0623\u0643\u0628\u0631\u060c \u0633\u064a\u0628\u0642\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 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\u0645\u062a\u0623\u062e\u0631\u0629 \u0628\u0641\u0627\u0631\u0642 \u0643\u0628\u064a\u0631. \u0641\u064a \u062f\u0648\u0644 \u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u063a\u064a\u0631 \u0627\u0644\u063a\u0646\u064a\u0629\u060c \u0644\u0627 \u064a\u0645\u062a\u0644\u0643 <a href=\"https:\/\/www.findevgateway.org\/region\/financial-inclusion-middle-east-and-north-africa#:~:text=Only%2039%20percent%20of%20adults,likely%20to%20have%20an%20account.\">\u0633\u0648\u0649 48%<\/a> \u0645\u0646 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0623\u064a \u0623\u0642\u0644 \u0628\u0640 23% \u0645\u0646 \u0645\u062a\u0648\u0633\u0637 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0646\u0627\u0645\u064a\u0629. \u0648\u0647\u0630\u0627 \u064a\u062d\u062f\u0651 \u0645\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0634\u0631\u0627\u0626\u062d \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 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\u0627\u0644\u0632\u0627\u0626\u062f.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\"><strong>\u0639\u0647\u062f \u0645\u0627\u0644\u064a \u062c\u062f\u064a\u062f&#8230; \u0645\u0646 \u062f\u0648\u0646 \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0628\u0646\u0643<\/strong><\/h1>\n\n\n\n<p>\u0646\u062d\u0646 \u0644\u0627 \u0646\u062a\u062d\u062f\u062b \u0641\u0642\u0637 \u0639\u0646 \u062a\u0642\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629\u060c \u0628\u0644 \u0639\u0646 \u0639\u0627\u062f\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u062a\u062a\u063a\u064a\u0651\u0631. \u0644\u0645 \u062a\u0639\u062f \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u062d\u0635\u0648\u0631\u0629 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0648\u0627\u062d\u062f\u060c \u0628\u0644 \u0623\u0635\u0628\u062d\u062a \u062c\u0632\u0621\u064b\u0627 \u0645\u0646 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c \u062a\u0638\u0647\u0631 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