{"id":25716,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/biznes-magaliti-scrafi-g\/"},"modified":"2026-01-27T17:23:47","modified_gmt":"2026-01-27T13:23:47","slug":"biznes-magaliti-scrafi-g","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/cifruli-produqtebi\/biznes-magaliti-scrafi-g\/","title":{"rendered":"\u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10d8: \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0"},"content":{"rendered":"<p>\u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10d2\u10d0\u10db\u10dd\u10ea\u10d3\u10d8\u10da\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d2\u10d5\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0, \u10ee\u10dd\u10da\u10dd COVID-19 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0\u10e1 \u10d0\u10e9\u10e5\u10d0\u10e0\u10d4\u10d1\u10e1. \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10db\u10ec\u10dd\u10d3\u10d4\u10d1\u10d4\u10da\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10e3\u10da \u10de\u10e0\u10d8\u10dd\u10e0\u10d8\u10e2\u10d4\u10e2\u10d0\u10d3 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e5\u10ea\u10d4\u10e1, \u10e0\u10d0\u10ea \u10e1\u10ee\u10d5\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d4\u10d9\u10dd\u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10d6\u10d4\u10ea \u10d0\u10d8\u10e1\u10d0\u10ee\u10d4\u10d1\u10d0.<\/p>\n<p> \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10d4\u10ea\u10d4\u10d3\u10d4\u10dc\u10e2\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10e5\u10db\u10dc\u10d4\u10da\u10d0\u10d3 \u10d9\u10e0\u10d8\u10e2\u10d8\u10d9\u10e3\u10da\u10d0\u10d3 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10e8\u10d8\u10d3\u10d0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10e3\u10da\u10d8 \u10db\u10ee\u10d0\u10e0\u10d3\u10d0\u10ed\u10d4\u10e0\u10d0, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10e2\u10d8\u10de\u10e3\u10e0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10db\u10dd\u10d3\u10d4\u10da\u10e8\u10d8 \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10d0\u10e0 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10e1. Finextra Research \u10d3\u10d0 Volante Technologies-\u10d8\u10e1 \u10db\u10d8\u10d4\u10e0 \u10e9\u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10d9\u10d5\u10da\u10d4\u10d5\u10d0, \u10e1\u10d0\u10ee\u10d4\u10da\u10ec\u10dd\u10d3\u10d4\u10d1\u10d8\u10d7 &#8220;\u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8: \u10e0\u10d0\u10e2\u10dd\u10db \u10d0\u10e9\u10e5\u10d0\u10e0\u10d4\u10d1\u10e1 COVID-19 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d4\u10d2\u10db\u10d0\u10e1&#8221;, \u10db\u10d8\u10db\u10dd\u10d8\u10ee\u10d8\u10da\u10d0\u10d5\u10e1 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10e1, \u10d7\u10e3 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10db\u10d0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10db \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e4\u10d0\u10e0\u10d7\u10dd\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e5\u10e1\u10d8\u10db\u10d0\u10da\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10d7.<\/p>\n<p> \u10e8\u10d8\u10d3\u10d0 \u10e3\u10d7\u10d0\u10dc\u10ee\u10db\u10dd\u10d4\u10d1\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1-\u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d8\u10e1 \u10d0\u10e0\u10e9\u10d4\u10d5\u10d0\u10e1 \u10e3\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0, \u10d9\u10d5\u10da\u10d0\u10d5 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10e3\u10e0 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d0\u10d3 \u10e0\u10e9\u10d4\u10d1\u10d0. \u10ee\u10dd\u10da\u10dd \u10ec\u10d0\u10e0\u10db\u10dd\u10d4\u10d1\u10d8\u10d7 \u10db\u10d8\u10e6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10db\u10dd\u10d3\u10d4\u10da\u10d8 \u10d8\u10db \u10e3\u10dc\u10d8\u10d9\u10d0\u10da\u10e3\u10e0\u10d8 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d0\u10e1 \u10d5\u10d4\u10e0 \u10d0\u10ee\u10d4\u10e0\u10ee\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d0\u10ea \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0. \u10d0\u10e1\u10d4\u10d7 \u10d3\u10e0\u10dd\u10e1, \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10d7 \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10e3\u10da\u10d8 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10d0\u10e1\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10e1\u10d0\u10d2\u10d5\u10d0\u10e0\u10d4\u10d1\u10da\u10d0\u10d3 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10e8\u10d8\u10d3\u10d0 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d0\u10d7\u10d0 \u10d9\u10dd\u10dd\u10e0\u10d3\u10d8\u10dc\u10d8\u10e0\u10d4\u10d1\u10d0 \u10d2\u10d0\u10d3\u10d0\u10e3\u10da\u10d0\u10ee\u10d0\u10d5 \u10d3\u10d0\u10d1\u10e0\u10d9\u10dd\u10da\u10d4\u10d1\u10d0\u10d3 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d8\u10e5\u10ea\u10d4\u10e1. \u10ea\u10d0\u10da\u10e1\u10d0\u10ee\u10d0\u10d0, \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10db\u10d0 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10e3\u10e0\u10db\u10d0 \u10d9\u10e0\u10d8\u10d6\u10d8\u10e1\u10db\u10d0 \u10d2\u10d5\u10d0\u10e9\u10d5\u10d4\u10dc\u10d0, \u10e0\u10dd\u10db \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10d4\u10d1\u10da\u10d0\u10d3 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0 \u10de\u10e0\u10d8\u10dd\u10e0\u10d8\u10e2\u10d4\u10e2\u10e3\u10da \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d0\u10d3 \u10e3\u10dc\u10d3\u10d0 \u10d8\u10e5\u10ea\u10d4\u10e1. \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd\u10d0 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0: \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10d1\u10d4\u10d5\u10e0\u10d0\u10d3 \u10db\u10d4\u10e2\u10d8\u10d0, \u10d5\u10d8\u10d3\u10e0\u10d4 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e1\u10d0\u10ee\u10d4\u10dd\u10d1\u10d0, \u10ee\u10dd\u10da\u10dd \u10db\u10d8\u10e1\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0 \u10d8\u10db\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8\u10d0, \u10d5\u10d8\u10d3\u10e0\u10d4 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d0\u10ee\u10d0\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e8\u10d5\u10d4\u10d1\u10d0.<\/p>\n<p> \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10ea\u10d5\u10da\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10d0, \u10e0\u10d0\u10ea \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1. \u10e2\u10d8\u10de\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d0\u10e0\u10d0\u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0 \u10d6\u10d4\u10d3\u10db\u10d4\u10e2\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10e2\u10d5\u10d8\u10e0\u10d7\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10e1 \u10e9\u10d0\u10dc\u10d0\u10ea\u10d5\u10da\u10d4\u10d1\u10d8\u10d7 \u10d1\u10d0\u10dc\u10d9\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0 \u10d4\u10eb\u10da\u10d4\u10d5\u10d0, \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e7\u10e3\u10e0\u10d0\u10d3\u10e6\u10d4\u10d1\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10d2\u10d0\u10e4\u10d0\u10e0\u10d7\u10dd\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d3\u10d0\u10d8\u10e2\u10d0\u10dc\u10dd\u10e1.<\/p>\n<p> \u10d0\u10e1\u10d4\u10d5\u10d4 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d9\u10d0\u10e0\u10d2\u10d0\u10d3 \u10d2\u10d5\u10d4\u10e1\u10db\u10dd\u10d3\u10d4\u10e1, \u10d7\u10e3 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d8\u10db\u10e3\u10e8\u10d0\u10d5\u10d4\u10d1\u10d4\u10dc \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0 \u10d3\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d4\u10d9\u10dd\u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d2\u10da\u10d4\u10d1\u10e8\u10d8 \u10d8\u10dc\u10e2\u10d4\u10dc\u10e1\u10d8\u10e3\u10e0\u10d0\u10d3 \u10d3\u10d0\u10d8\u10dc\u10d4\u10e0\u10d2\u10d4\u10d1\u10d0, \u10e0\u10d0\u10ea \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d8\u10e1. ISO 20022 \u10e1\u10e2\u10d0\u10dc\u10d3\u10d0\u10e0\u10e2\u10d8\u10e1 \u10e4\u10d0\u10e0\u10d7\u10dd\u10d3 \u10d2\u10d0\u10d5\u10e0\u10ea\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3, \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10e1 \u10d3\u10d8\u10d3\u10d8 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d4\u10e2\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d4\u10eb\u10da\u10d4\u10d5\u10d0\u10d7, \u10e0\u10d0\u10ea \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10de\u10d4\u10e0\u10e1\u10dd\u10dc\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1 \u2014 \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10d4\u10e1 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10d8\u10db \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e8\u10d8 \u10d8\u10e5\u10dc\u10d0 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8.<\/p>\n<p> \u10d0\u10db\u10d8\u10e1 \u10e1\u10d0\u10d8\u10da\u10e3\u10e1\u10e2\u10e0\u10d0\u10ea\u10d8\u10dd \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d4.\u10ec. \u10ed\u10d9\u10d5\u10d8\u10d0\u10dc\u10d8 \u10d9\u10dd\u10dc\u10e2\u10e0\u10d0\u10e5\u10e2\u10d4\u10d1\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10dd\u10d7. \u10ed\u10d9\u10d5\u10d8\u10d0\u10dc\u10d8 \u10d9\u10dd\u10dc\u10e2\u10e0\u10d0\u10e5\u10e2\u10d8 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10e5\u10db\u10dc\u10d8\u10e1 \u10d7\u10d5\u10d8\u10d7\u10d0\u10e6\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d0\u10d3 \u10d3\u10dd\u10d9\u10e3\u10db\u10d4\u10dc\u10e2\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3 \u10d7\u10d0\u10d5\u10d0\u10d3 \u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d0\u10e1. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d8\u10d7 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d8\u10e1\u10d0\u10e1 \u10db\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10e8\u10d4\u10ea\u10d3\u10dd\u10db\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10e1\u10ec\u10dd\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10ec\u10e0\u10d0\u10e4\u10d4. Request to Pay (R2P \u10d0\u10dc RtP) \u10e1\u10e5\u10d4\u10db\u10d0 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10dd\u10de\u10e2\u10d8\u10db\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d4\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0, \u10e0\u10d0\u10ea \u10d7\u10d0\u10dc\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10e1\u10d0\u10db\u10d4\u10d1\u10e0 \u10d3\u10d0\u10e3\u10e7\u10dd\u10d5\u10dc\u10d4\u10d1\u10da\u10d8\u10d5 \u10d2\u10d0\u10db\u10dd\u10d7\u10d0\u10d5\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10e3\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d0\u10e1 \u10e8\u10dd\u10e0\u10d8\u10e1 \u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10e1 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10e1. \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da \u10e1\u10e5\u10d4\u10db\u10d0\u10e8\u10d8 \u10d3\u10d8\u10d3 \u10d3\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10d4\u10d1\u10d0\u10e1 \u10d8\u10ec\u10d5\u10d4\u10d5\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0.<\/p>\n<p> EBA CLEARING-\u10d8\u10e1\u10d0 \u10d3\u10d0 Pay.UK-\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 2020-2021 \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10e1 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d0 \u10d3\u10d0 R2P \u10e1\u10e5\u10d4\u10db\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea \u10e1\u10d9\u10d0\u10dc\u10d3\u10d8\u10dc\u10d0\u10d5\u10d8\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e5\u10e1\u10d4\u10da\u10d8 P27 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10e1, \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10e1 \u10d0\u10e0\u10e9\u10d4\u10d5\u10d0\u10dc\u10d8\u10e1 \u10d2\u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1. \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10d4\u10d1\u10e8\u10d8\u10d5\u10d4\u10d0, \u10e0\u10dd\u10db \u10d4\u10e1 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10d8\u10dc\u10e4\u10e0\u10d0\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d0\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10dd\u10dc, \u10ec\u10d8\u10dc\u10d0\u10d0\u10e6\u10db\u10d3\u10d4\u10d2 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d8\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10d9\u10d0\u10e0\u10d2\u10d5\u10d0\u10e1 \u10e0\u10d8\u10e1\u10d9\u10d0\u10d5\u10d4\u10dc, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d4\u10e2\u10d0\u10d3 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10e2\u10d4\u10d1\u10d7\u10d0\u10dc \u10d0\u10e0\u10e9\u10d4\u10d5\u10d4\u10dc \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10d0\u10e1.<\/p>\n<p> <b>\u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10e5\u10db\u10dc\u10d4\u10da\u10d0\u10d3<\/b><\/p>\n<p> \u10d8\u10db\u10d8\u10e1 \u10d2\u10d0\u10d2\u10d4\u10d1\u10d0, \u10d7\u10e3 \u10e1\u10d0\u10d3 \u10d8\u10db\u10e7\u10dd\u10e4\u10d4\u10d1\u10d8\u10d0\u10dc \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d0\u10db\u10df\u10d0\u10db\u10d0\u10d3 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10e1 \u10d2\u10d6\u10d0\u10d6\u10d4, \u10e1\u10d0\u10e1\u10d8\u10ea\u10dd\u10ea\u10ee\u10da\u10dd\u10d3 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0 \u10d8\u10db\u10d8\u10e1 \u10d2\u10d0\u10e1\u10d0\u10e0\u10d9\u10d5\u10d4\u10d5\u10d0\u10d3, \u10d7\u10e3 \u10e0\u10d0 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd\u10d4\u10d1\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10d0\u10e5\u10d5\u10d7 \u10db\u10d0\u10d7 \u2014 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d9\u10e3\u10d7\u10e0\u10d4\u10d1\u10d8\u10d7, \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10e8\u10d8. \u10db\u10d0\u10d7\u10d8 \u10d9\u10da\u10d0\u10e1\u10d8\u10e4\u10d8\u10ea\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10d8\u10d0\u10dc \u10db\u10d4\u10d7\u10dd\u10d3\u10e1 &#8220;\u10d3\u10dd\u10dc\u10d4\u10d4\u10d1\u10d0\u10d3&#8221; \u10d3\u10d0\u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d4\u10d1\u10d0 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7\u10d0\u10ea \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10d3\u10d2\u10d8\u10dc\u10d3\u10d4\u10d1\u10d0 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10e3\u10da\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10e1 \u10db\u10d8\u10db\u10d3\u10d8\u10dc\u10d0\u10e0\u10d4 \u10e1\u10e2\u10d0\u10e2\u10e3\u10e1\u10d8. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, &#8220;\u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d3\u10dd\u10dc\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4&#8221; \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e8\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10db\u10d0\u10ea \u10e3\u10d9\u10d5\u10d4 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d4\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0, COVID-19-\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10dd\u10d0 \u10e8\u10d4\u10d5\u10d0\u10db\u10e9\u10dc\u10d8\u10dd\u10d7 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10dc\u10d4\u10da\u10d4\u10d1\u10d0.<\/p>\n<p> \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d0\u10db\u10d8\u10e1\u10d0, \u10d5\u10d8\u10dc\u10d0\u10d8\u10d3\u10d0\u10dc \u10db\u10e1\u10d2\u10d0\u10d5\u10e1 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1 \u10d8\u10dc\u10e4\u10e0\u10d0\u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10e3\u10da\u10d8 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3\u10d8 \u10dc\u10d0\u10ec\u10d8\u10da\u10d8 \u10e3\u10d9\u10d5\u10d4 \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10e3\u10da\u10d8 \u10d0\u10e5\u10d5\u10d7, \u10db\u10d0\u10d7 \u10d7\u10d0\u10d5\u10d8\u10e1\u10e3\u10e4\u10da\u10d0\u10d3 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d2\u10e0\u10eb\u10d4\u10da\u10d4\u10d1\u10d0 24-\u10e1\u10d0\u10d0\u10d7\u10d8\u10d0\u10dc \u10e0\u10d4\u10df\u10d8\u10db\u10e8\u10d8. \u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 &#8220;\u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10d3\u10dd\u10dc\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4&#8221; \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1\u10d0\u10ea \u10ef\u10d4\u10e0 \u10d0\u10e0 \u10d2\u10d0\u10dc\u10e3\u10d0\u10ee\u10da\u10d4\u10d1\u10d8\u10d0\u10d7 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10d0, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e1 \u10e1\u10ee\u10d5\u10d0\u10d2\u10d5\u10d0\u10e0\u10d0\u10d3 \u10e3\u10dc\u10d3\u10d0 \u10db\u10d8\u10e3\u10d3\u10d2\u10dc\u10d4\u10dc, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10d4\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10e9\u10d5\u10d4\u10e3\u10da\u10d4\u10d1\u10e0\u10d8\u10d5\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10d4\u10e5\u10e2\u10d8\u10e1\u10d2\u10d0\u10dc \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d3\u10d4\u10d1\u10d0.<\/p>\n<p> \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d9\u10d8 \u10d3\u10d0\u10d8\u10ec\u10e7\u10d4\u10d1\u10d0 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0, \u10dc\u10d0\u10d7\u10d4\u10da\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d4\u10d1\u10d0, \u10e0\u10dd\u10db \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d4\u10e2\u10d0\u10da\u10e3\u10e0\u10d8 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8 \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e1\u10d0\u10e1\u10d8\u10ea\u10dd\u10ea\u10ee\u10da\u10dd\u10d3 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d9\u10d8\u10d0, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d0\u10e0\u10d0\u10db\u10d0\u10e2\u10d4\u10e0\u10d8\u10d0\u10da\u10e3\u10e0 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d4\u10d1\u10d8\u10ea\u10d0\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d0\u10e0\u10ef\u10d8, \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10db\u10d3\u10d2\u10e0\u10d0\u10d3\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10e2\u10e3\u10da\u10d8 \u10d3\u10d8\u10e4\u10d4\u10e0\u10d4\u10dc\u10ea\u10d8\u10d0\u10ea\u10d8\u10d0, \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d6\u10d4 \u10e3\u10e4\u10e0\u10dd \u10d3\u10d8\u10d3\u10d8 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10d0\u10e5\u10d5\u10d7. \u10d9\u10d4\u10e0\u10eb\u10dd\u10d3, \u10e2\u10d8\u10de\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d8\u10e1 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1\u10d2\u10d0\u10dc \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d4\u10d1\u10d8\u10d7, \u10d0\u10e1\u10d4\u10d7 \u10d3\u10e0\u10dd\u10e1 \u10d6\u10dd\u10d2\u10d0\u10d3\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d3\u10d0\u10d3\u10d2\u10d4\u10dc\u10d0\u10d6\u10d4 \u10de\u10e0\u10d8\u10dd\u10e0\u10d8\u10e2\u10d4\u10e2\u10e3\u10da\u10d8 \u10db\u10d4\u10e2\u10d0\u10d3 \u10e1\u10e3\u10d1\u10d8\u10d4\u10e5\u10e2\u10e3\u10e0\u10d8 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d4\u10d1\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d4\u10d1\u10d0.<\/p>\n<p> \u10e6\u10e0\u10e3\u10d1\u10da\u10dd\u10d5\u10d0\u10dc \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10e8\u10d8 \u10ec\u10d0\u10db\u10e7\u10d5\u10d0\u10dc\u10d8 \u10e0\u10dd\u10da\u10d8\u10e1 \u10d7\u10d0\u10db\u10d0\u10e8\u10d8 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u2014 \u10db\u10d0\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e8\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e9\u10e5\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d2\u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d8\u10e1 \u10e3\u10dc\u10d0\u10e0\u10d8 \u10d0\u10e5\u10d5\u10e1, \u10e0\u10d0\u10ea \u10e6\u10e0\u10e3\u10d1\u10da\u10dd\u10d5\u10d0\u10dc \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1 \u10e3\u10e4\u10e0\u10dd \u10db\u10d8\u10db\u10d6\u10d8\u10d3\u10d5\u10d4\u10da\u10e1 \u10ee\u10d3\u10d8\u10e1.<\/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":"\u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7, \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d2\u10d0\u10e0\u10d3\u10d0\u10e5\u10db\u10dc\u10d8\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10e1. \u10d2\u10d0\u10d8\u10d2\u10d4\u10d7, \u10e0\u10d0\u10e2\u10dd\u10db \u10d0\u10e0\u10d8\u10e1 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0 \u10d9\u10e0\u10d8\u10e2\u10d8\u10d9\u10e3\u10da\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d2\u10d0\u10d6\u10d0\u10e0\u10d3\u10dd\u10d7 \u10db\u10dd\u10d2\u10d4\u10d1\u10d0 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da \u10d4\u10de\u10dd\u10e5\u10d0\u10e8\u10d8.","protected":false},"author":1,"featured_media":25717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1306,1307],"tags":[588,602],"class_list":["post-25716","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cifruli-produqtebi","category-inovaciebi-da-startapebi","tag-fintech","tag-teqnologiebi"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25716","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=25716"}],"version-history":[{"count":3,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25716\/revisions"}],"predecessor-version":[{"id":40404,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25716\/revisions\/40404"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/25717"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=25716"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=25716"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=25716"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}