{"id":25706,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/finansuri-fitnesi-da-mob\/"},"modified":"2026-03-12T11:54:58","modified_gmt":"2026-03-12T07:54:58","slug":"finansuri-fitnesi-da-mob","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/finansuri-ganatleba\/finansuri-fitnesi-da-mob\/","title":{"rendered":"\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e4\u10d8\u10e2\u10dc\u10d4\u10e1\u10d8 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2: \u10e0\u10d0 \u10d2\u10d5\u10d4\u10da\u10dd\u10d3\u10d4\u10d1\u10d0?"},"content":{"rendered":"<p>COVID-19-\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10e3\u10da\u10d8 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d0\u10e0\u10ee\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1\u10d9\u10d4\u10dc \u10e3\u10d1\u10d8\u10eb\u10d2\u10d4\u10d1\u10e1. \u10d0\u10e5\u10d4\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4, Meniga-\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10d0\u10ee\u10da\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d0\u10e0\u10d0\u10e1\u10d3\u10e0\u10dd\u10e1, \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d0\u10d3 \u10e3\u10dc\u10d3\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10dc \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0, \u10e0\u10d0\u10d7\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10db\u10d0 \u10db\u10d4\u10e2\u10d0\u10d3 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10d0\u10d3 \u10e8\u10d4\u10eb\u10da\u10dd\u10dc \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0. \u10e1\u10e2\u10d0\u10e2\u10d8\u10d0\u10e8\u10d8, \u10e1\u10d0\u10d7\u10d0\u10e3\u10e0\u10d8\u10d7 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e4\u10d8\u10e2\u10dc\u10d4\u10e1\u10d8 COVID-19-\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d2\u10dd\u10db\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8, \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10e3\u10da\u10d8 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10e8\u10d4\u10db\u10e5\u10db\u10dc\u10d4\u10da\u10d8 \u10d8\u10e1\u10da\u10d0\u10dc\u10d3\u10d8\u10e3\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10d2\u10d0\u10dc\u10db\u10d0\u10e0\u10e2\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db COVID-19 \u10d2\u10d0\u10dc\u10d0\u10d2\u10e0\u10eb\u10dc\u10dd\u10d1\u10e1 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e5\u10ea\u10d4\u10d5\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10d0\u10e5\u10d5\u10d4 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db \u10d7\u10e3 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d3\u10d0\u10e3\u10e7\u10dd\u10d5\u10dc\u10d4\u10d1\u10da\u10d8\u10d5 \u10d0\u10e0 \u10d3\u10d0\u10d8\u10ec\u10e7\u10d4\u10d1\u10d4\u10dc, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d1\u10d0\u10d6\u10e0\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10ec\u10d8\u10da\u10d8\u10e1 \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d5\u10d8\u10e1 \u10e1\u10d0\u10e8\u10d8\u10e8\u10e0\u10dd\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d8\u10dc\u10d0\u10e8\u10d4 \u10d3\u10d0\u10d3\u10d2\u10d4\u10d1\u10d8\u10d0\u10dc. Meniga-\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10d3\u10d0\u10dc \u10d8\u10e0\u10d9\u10d5\u10d4\u10d5\u10d0, \u10e0\u10dd\u10db \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 COVID-19-\u10db\u10d3\u10d4 \u10d3\u10d0\u10ec\u10e7\u10d4\u10d1\u10e3\u10da\u10d8 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10de\u10dd\u10d6\u10d8\u10e2\u10d8\u10e3\u10e0\u10d8 \u10d3\u10d8\u10dc\u10d0\u10db\u10d8\u10d9\u10d8\u10e1 \u10db\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3, \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10e1\u10d0\u10d9\u10db\u10d0\u10dd\u10d3 \u10e8\u10d4\u10d6\u10e6\u10e3\u10d3\u10e3\u10da\u10d8 \u10d8\u10e7\u10dd.<\/p>\n<p> Digital Banking Report-\u10d8\u10e1 \u10d9\u10d5\u10da\u10d4\u10d5\u10d8\u10d3\u10d0\u10dc \u10d5\u10d8\u10d2\u10d4\u10d1\u10d7, \u10e0\u10dd\u10db \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10d0\u10ec\u10e7\u10d4\u10d1\u10d0\u10db\u10d3\u10d4 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 15% \u10d7\u10d5\u10da\u10d8\u10d3\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10d7\u10d0\u10d5\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10da\u10d8\u10d3\u10d4\u10e0\u10d0\u10d3. \u10d7\u10e3\u10db\u10ea\u10d0, \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10d0\u10ec\u10e7\u10d4\u10d1\u10d8\u10e1\u10d7\u10d0\u10dc\u10d0\u10d5\u10d4 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10db\u10d0 \u10e3\u10d0\u10e0\u10d8 \u10d7\u10e5\u10d5\u10d4\u10e1 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10db\u10e0\u10dd\u10d1\u10d0\u10d6\u10d4 \u10d3\u10d0 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d7\u10e3 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10e0\u10e3\u10da\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10d5\u10d8\u10d3\u10dc\u10d4\u10dc \u10ea\u10d8\u10e4\u10e0\u10e3\u10da \u10d0\u10e0\u10ee\u10d4\u10d1\u10d6\u10d4.<\/p>\n<p> Nucoro-\u10e1 \u10d9\u10d5\u10da\u10d4\u10d5\u10d8\u10d3\u10d0\u10dc \u10d8\u10e0\u10d9\u10d5\u10d4\u10d5\u10d0, \u10e0\u10dd\u10db 14 \u10db\u10d0\u10e0\u10e2\u10d8\u10d3\u10d0\u10dc 14 \u10d0\u10de\u10e0\u10d8\u10da\u10d0\u10db\u10d3\u10d4 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10d3\u10d8\u10d3\u10d8 \u10d1\u10e0\u10d8\u10e2\u10d0\u10dc\u10d4\u10d7\u10d8\u10e1 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 12%-\u10db\u10d0 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d0\u10d3 \u10d2\u10d0\u10d3\u10db\u10dd\u10d8\u10ec\u10d4\u10e0\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10db\u10dd\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0, \u10e0\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3\u10d0\u10ea \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10e4\u10dd\u10dc\u10d6\u10d4 \u10db\u10dd\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10dd\u10d1\u10d8\u10e1 \u10db\u10d9\u10d5\u10d4\u10d7\u10e0\u10d3\u10d8 \u10d6\u10e0\u10d3\u10d0 \u10d3\u10d0\u10e4\u10d8\u10e5\u10e1\u10d8\u10e0\u10d3\u10d0. \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db \u10d0\u10e1\u10d4\u10d5\u10d4 72%-\u10d8\u10d7 \u10d2\u10d0\u10d6\u10d0\u10e0\u10d3\u10d0 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0.<\/p>\n<p> Meniga \u10db\u10d8\u10d8\u10e9\u10dc\u10d4\u10d5\u10e1, \u10e0\u10dd\u10db \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e3\u10e4\u10e0\u10dd \u10d0\u10e1\u10ec\u10e0\u10d0\u10e4\u10d3\u10d4\u10d1\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10ef\u10d0\u10dc\u10d3\u10d0\u10ea\u10d5\u10d8\u10e1 \u10d9\u10e0\u10d8\u10d6\u10d8\u10e1\u10d8 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d9\u10d0\u10e2\u10d0\u10da\u10d8\u10d6\u10d0\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d0\u10e1 \u10d0\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d0\u10db\u10d8\u10d7 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d4\u10d1\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10d3 \u10d0\u10e5\u10ea\u10d4\u10d5\u10e1. &#8220;\u10d0\u10ee\u10da\u10d0 \u10d8\u10e1 \u10d3\u10e0\u10dd\u10d0, \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10db\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0\u10ee\u10d5\u10d4\u10ec\u10d8\u10da\u10d8 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10d8\u10dc\u10e2\u10d4\u10e0\u10e4\u10d4\u10d8\u10e1\u10d8 \u10d3\u10d0 \u10ee\u10d4\u10da\u10e1\u10d0\u10ec\u10e7\u10dd\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e0\u10e3\u10da\u10d8 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8 \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10dc&#8221;, \u2014 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8\u10d0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10e8\u10e8\u10d8.<\/p>\n<p> \u10d1\u10dd\u10da\u10dd \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10ec\u10da\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e8\u10d8 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10ea\u10d8\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0, \u10e0\u10d0\u10ea \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10ec\u10d8\u10da\u10d0\u10d3 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e9\u10d4\u10dc\u10d0\u10db \u10d2\u10d0\u10dc\u10d0\u10de\u10d8\u10e0\u10dd\u10d1\u10d0. PSD2 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d8\u10e1\u10d4\u10d7\u10d8 \u10e2\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea\u10d0\u10d0, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10e6\u10d8\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8, \u10e1\u10ec\u10e0\u10d0\u10e4\u10d0\u10d3 \u10d8\u10de\u10e7\u10e0\u10dd\u10d1\u10d4\u10dc \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10e1, \u10e0\u10d0\u10ea \u10d3\u10e0\u10dd\u10d8\u10e1 \u10e1\u10d5\u10da\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10ea\u10d8\u10d0\u10e1 \u10e1\u10e3\u10da \u10e3\u10e4\u10e0\u10dd \u10d2\u10d0\u10d0\u10eb\u10da\u10d8\u10d4\u10e0\u10d4\u10d1\u10e1.<\/p>\n<p> \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10d4\u10da\u10d8 \u10d9\u10d5\u10da\u10d4\u10d5\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea Meniga-\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10e8\u10d8 \u10db\u10dd\u10ee\u10d5\u10d3\u10d0, \u10d8\u10e0\u10d9\u10d5\u10d4\u10d5\u10d0, \u10e0\u10dd\u10db \u10d4\u10d5\u10e0\u10dd\u10de\u10d0\u10e8\u10d8 \u10d2\u10d0\u10db\u10dd\u10d9\u10d8\u10d7\u10ee\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d8\u10e0\u10d7\u10d0 51% \u10db\u10d8\u10d8\u10e9\u10dc\u10d4\u10d5\u10e1, \u10e0\u10dd\u10db \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10e2\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10ee\u10d5\u10d0 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d0\u10d5\u10d4\u10dc. Meniga-\u10e1 \u10d0\u10d6\u10e0\u10d8\u10d7, \u10eb\u10da\u10d8\u10d4\u10e0 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10e2\u10e3\u10dc\u10d0\u10e0\u10d8\u10d0\u10dc \u10d2\u10d0\u10e0\u10d4\u10db\u10dd\u10e8\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10e7\u10e3\u10e0\u10d0\u10d3\u10e6\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10db\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d8 \u10e0\u10e9\u10d4\u10d1\u10d0\u10d7 \u2014 \u10db\u10d0\u10d7 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1 (PFM) \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d8 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d8 \u10e3\u10dc\u10d3\u10d0 \u10d3\u10d0\u10e3\u10d7\u10db\u10dd\u10dc. Business Insider-\u10d8\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10e3\u10db\u10d4\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d7\u10d0 \u10e8\u10dd\u10e0\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10d0\u10d3 PFM \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d0\u10e0\u10d8\u10e1 \u10e3\u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10dd. \u10db\u10d4\u10e2\u10d8\u10ea, \u10d2\u10d0\u10db\u10dd\u10d9\u10d8\u10d7\u10ee\u10e3\u10da\u10d7\u10d0 40% \u10db\u10d8\u10d8\u10e9\u10dc\u10d4\u10d5\u10e1, \u10e0\u10dd\u10db PFM \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10d0\u10e0\u10d0\u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1\u10d2\u10d0\u10dc \u10e3\u10e4\u10e0\u10dd \u10db\u10dd\u10e5\u10dc\u10d8\u10da\u10d8 \u10d3\u10d0 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da\u10d8\u10d0.<\/p>\n<p> COVID-19-\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10e3\u10da\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d0\u10e0\u10d0\u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0\u10d7 \u10ee\u10d4\u10da\u10e1\u10d0\u10ec\u10e7\u10dd\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d3\u10d0\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0 \u10db\u10d0\u10d7 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e1 \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d5\u10d0\u10e8\u10d8, \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d6\u10dd\u10d2\u10d0\u10d3\u10d0\u10d3, \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e8\u10d8. \u10d0\u10e0\u10d0\u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10e1\u10d0\u10ed\u10d4\u10e0\u10d0\u10d3 Meniga-\u10db \u10de\u10d4\u10e0\u10e1\u10dd\u10dc\u10d0\u10da\u10e3\u10e0\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10dc\u10d0\u10d9\u10e0\u10d4\u10d1\u10d8 \u10e8\u10d4\u10d8\u10db\u10e3\u10e8\u10d0\u10d5\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e4\u10d0\u10e0\u10d7\u10dd\u10d4\u10d1\u10e3\u10da \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10e1, \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10e1, \u10e4\u10e3\u10da\u10d8\u10e1 \u10dc\u10d0\u10d9\u10d0\u10d3\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1, \u10d2\u10d4\u10db\u10d8\u10e4\u10d8\u10ea\u10d8\u10e0\u10d4\u10d1\u10e3\u10da \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e4\u10d8\u10e2\u10dc\u10d4\u10e1\u10e1 \u10d3\u10d0 \u10db\u10e0\u10d0\u10d5\u10d0\u10da \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10e1 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1.<\/p>\n<p> \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d4\u10d1\u10e1\u10d0\u10ea \u10d0\u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10dc\u10d0\u10d9\u10d0\u10d3\u10d8\u10e1 \u10db\u10dd\u10dc\u10d8\u10e2\u10dd\u10e0\u10d8\u10dc\u10d2\u10e1, \u10d4.\u10ec. \u10e5\u10d4\u10e8\u10d1\u10d4\u10e5\u10e1, \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10db\u10e0\u10d0\u10d5\u10d0\u10da \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d0\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10e1. Meniga \u10e5\u10d0\u10da\u10d0\u10e5 \u10e0\u10d4\u10d8\u10d9\u10d8\u10d0\u10d5\u10d8\u10d9\u10e8\u10d8 2009 \u10ec\u10d4\u10da\u10e1 \u10d3\u10d0\u10e4\u10e3\u10eb\u10dc\u10d3\u10d0 \u10d3\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10e1 \u10d3\u10d0 PFM-\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10e3\u10da \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d0\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1. \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10d7 \u10d8\u10e1\u10d4\u10d7 \u10db\u10e1\u10ee\u10d5\u10d8\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d4\u10d1\u10d8\u10ea\u10d0\u10d0 UOB, Santander, Commerzbank, Unicredit, Nordea, mBank \u10d3\u10d0 Tangerine.<\/p>\n<p> &nbsp;<\/p>\n<p> \u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"http:\/\/www.next.on.ge\" target=\"_blank\" rel=\"noopener\">www.next.on.ge<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db \u10d3\u10d0\u10d0\u10e9\u10e5\u10d0\u10e0\u10d0 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0. \u10e8\u10d4\u10d8\u10e2\u10e7\u10d5\u10d4\u10d7, \u10e0\u10dd\u10d2\u10dd\u10e0 \u10e8\u10d4\u10ea\u10d5\u10d0\u10da\u10d0 COVID-19-\u10db\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d6\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e0\u10d0 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d4\u10d1\u10d8 \u10d4\u10da\u10d8\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8.","protected":false},"author":1,"featured_media":25707,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1133],"tags":[588,599,1376],"class_list":["post-25706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansuri-ganatleba","tag-fintech","tag-mobilbanki","tag-cifruli-bankingi"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/comments?post=25706"}],"version-history":[{"count":4,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25706\/revisions"}],"predecessor-version":[{"id":43564,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25706\/revisions\/43564"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/25707"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=25706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=25706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=25706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}