{"id":25760,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/banking-as-a-service-inovaciuri-produqteb\/"},"modified":"2026-01-27T17:25:52","modified_gmt":"2026-01-27T13:25:52","slug":"banking-as-a-service-inovaciuri-produqteb","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/banking-as-a-service-inovaciuri-produqteb\/","title":{"rendered":"Banking as a Service: \u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8"},"content":{"rendered":"<p>\u10e9\u10d5\u10d4\u10dc \u10d5\u10ea\u10ee\u10dd\u10d5\u10e0\u10dd\u10d1\u10d7 \u10e1\u10d0\u10db\u10e7\u10d0\u10e0\u10dd\u10e8\u10d8, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10e1 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8, \u10e0\u10d4\u10d2\u10e3\u10da\u10d8\u10e0\u10d4\u10d1\u10d0\u10d3\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8 \u10d8\u10e1\u10d4\u10d5\u10d4 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea Shopify-\u10d6\u10d4 \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0\u10d7 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10d7 \u10d2\u10d5\u10d4\u10e0\u10d3\u10d8 \u2014 \u10d4\u10e1 \u10d0\u10e0\u10d8\u10e1 Banking as a Service-\u10d8\u10e1 (BaaS) \u10db\u10d0\u10d2\u10d8\u10d0.<br \/>\n \u10d1\u10dd\u10da\u10dd \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8, \u10e9\u10d5\u10d4\u10dc \u10d5\u10ee\u10d4\u10d3\u10d0\u10d5\u10d7 BaaS-\u10d8\u10e1 \u10d0\u10e6\u10db\u10d0\u10e1\u10d5\u10da\u10d0\u10e1. \u10db\u10d0\u10e1 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u2014 Stripe, Grab, Apple \u10d3\u10d0 Lyft. \u10d0\u10e5 \u10e2\u10e0\u10d8\u10da\u10d8\u10dd\u10dc\u10dd\u10d1\u10d8\u10d7 \u10d3\u10dd\u10da\u10d0\u10e0\u10d6\u10d4\u10d0 \u10e1\u10d0\u10e3\u10d1\u10d0\u10e0\u10d8. Goldman Sachs\u2013\u10d8\u10ea BaaS \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u10d7\u10d0\u10d5\u10d8\u10e1 \u10e1\u10d0\u10d2\u10d6\u10d0\u10dd \u10e0\u10e3\u10d9\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 \u10d0\u10db\u10d8\u10d7 \u10e5\u10db\u10dc\u10d8\u10e1 \u10d3\u10d4\u10d5\u10d4\u10da\u10dd\u10de\u10d4\u10e0\u10e3\u10da \u10de\u10dd\u10e0\u10e2\u10d0\u10da\u10e1.<\/p>\n<p> \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d9\u10d0\u10e0\u10d2\u10d8 \u10d8\u10e1 \u10d0\u10e0\u10d8\u10e1, \u10e0\u10dd\u10db \u10d4\u10e1 \u10e3\u10e0\u10d7\u10d8\u10d4\u10e0\u10d7\u10e1\u10d0\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1\u10d0\u10d7\u10d5\u10d8\u10e1 (\u10e5\u10db\u10dc\u10d8\u10e1 \u10e0\u10d0 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d4\u10d1\u10e1), \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 (\u10db\u10d0\u10d7 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10e3\u10e9\u10dc\u10d3\u10d4\u10d1\u10d0\u10d7), \u10d3\u10d0 \u10d0\u10e1\u10d4\u10d5\u10d4 \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1.<\/p>\n<p> \u10db\u10dd\u10d3\u10d8\u10d7 \u10d2\u10d0\u10d5\u10d4\u10ea\u10dc\u10dd\u10d7 \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10e1 \u10d7\u10e3 \u10e0\u10d0\u10e2\u10dd\u10db \u10d0\u10e0\u10d8\u10e1 BaaS \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10d4\u10d9\u10dd\u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10e8\u10d8 \u10db\u10e7\u10dd\u10e4\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0 \u10db\u10dd\u10d7\u10d0\u10db\u10d0\u10e8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8.<\/p>\n<p> <b>\u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10d4\u10e2\u10d8 \u10dc\u10d0\u10d9\u10d0\u10d3\u10d8<\/b><b><\/b><\/p>\n<p> \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d4\u10d1\u10d8 \u10eb\u10d5\u10d8\u10e0\u10d8\u10d0 \u10d3\u10d0 \u10db\u10dd\u10e1\u10d0\u10de\u10dd\u10d5\u10d4\u10d1\u10da\u10d0\u10d3 \u10e0\u10d7\u10e3\u10da\u10d8\u10d0. BaaS-\u10d8\u10e1 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d0 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10db\u10d8\u10d0\u10e5\u10d8\u10e0\u10d0\u10d5\u10dd\u10dc \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10e1.<\/p>\n<p> \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3, \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2 \u10e4\u10e3\u10da\u10e1 \u10e8\u10dd\u10e3\u10da\u10dd\u10d1\u10d4\u10dc \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d8\u10d3\u10d0\u10dc. \u10d4\u10e1 \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d5\u10da\u10d8\u10d7 \u10d3\u10d0\u10db\u10d0\u10e2\u10d4\u10d1\u10d8\u10d7\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1 \u10d9\u10d8\u10d3\u10d4\u10d5 \u10d4\u10e0\u10d7\u10d8 \u10d2\u10d6\u10d0\u10d0.<\/p>\n<p> \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, Evolve-\u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d0\u10e1 Synapse\u2013\u10e1\u10d0 \u10d3\u10d0 Mercury\u2013\u10e1, \u10d0\u10db\u10d0\u10d5\u10d3\u10e0\u10dd\u10e3\u10da\u10d0\u10d3 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10f0\u10e7\u10dd\u10e4\u10e1 \u10e1\u10d0\u10ee\u10d0\u10d6\u10d8\u10dc\u10dd \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10d0\u10e3\u10e0\u10d4\u10d1\u10d0\u10e1.<\/p>\n<p> <b>\u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d4\u10d1\u10d8\u10d7\u10dd\u10d1\u10d0<\/b><\/p>\n<p> BaaS \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10dc \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0. \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10d0\u10d8\u10e0\u10e9\u10d8\u10dd\u10dc \u10d8\u10e1 \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1\u10d0\u10ea \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc, \u10d8\u10db\u10d8\u10e1\u10d3\u10d0 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10d7\u10e3 \u10e0\u10d0 \u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10db\u10d0\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1.<br \/>\n \u10d0\u10db\u10d8\u10e1 \u10d9\u10d0\u10e0\u10d2\u10d8 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d8\u10d0 Apple-\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10d0 Goldman Sachs\u2013\u10d7\u10d0\u10dc Apple Card\u2013\u10d8\u10e1 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d8\u10d7, \u10e0\u10d0\u10ea \u10db\u10d0\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e1 \u10d3\u10d0 \u10d4\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10d4\u10e0\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4. \u10d0\u10db\u10d8\u10d7 Apple-\u10e1 \u10e1\u10e3\u10e0\u10e1, \u10d2\u10d0\u10d3\u10d0\u10d5\u10d8\u10d3\u10d4\u10e1 &#8220;\u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10d4\u10e0\u10d8 \u10d4\u10e0\u10d7\u10e8\u10d8&#8221; \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10e1\u10e2\u10e0\u10e3\u10e5\u10e2\u10e3\u10e0\u10d0\u10d6\u10d4.<\/p>\n<p> BaaS \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e3\u10d6\u10d0\u10e0\u10db\u10d0\u10d6\u10d0\u10e0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1, \u10e0\u10d0\u10d7\u10d0 \u10d3\u10d0\u10ee\u10d5\u10d4\u10ec\u10dd\u10dc \u10e3\u10e0\u10d7\u10d8\u10d4\u10e0\u10d7\u10dd\u10d1\u10d4\u10d1\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d7\u10d0\u10dc. \u10d0\u10e1\u10d4 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d0\u10dc \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10e3\u10ec\u10e7\u10dd\u10d1\u10d4\u10dc \u10ee\u10d4\u10da\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d0\u10e8\u10d8.<\/p>\n<p> <b>\u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10e8\u10d4\u10e1\u10d5\u10da\u10d0<\/b><\/p>\n<p> \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10e3\u10d9\u10d8\u10d3\u10e3\u10e0\u10d4\u10e1\u10d0\u10d3 \u10eb\u10d5\u10d8\u10e0\u10d8\u10d0 \u10d3\u10d0 \u10db\u10d0\u10e1 \u10ec\u10da\u10d4\u10d1\u10d8 \u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0. BaaS \u10d3\u10e0\u10dd\u10d8\u10e1 \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d8\u10eb\u10da\u10d4\u10d5\u10d0, \u10e0\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3\u10d0\u10ea \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10e3\u10e4\u10e0\u10dd \u10e1\u10ec\u10e0\u10d0\u10e4\u10d0\u10d3 \u10ee\u10d5\u10d3\u10d4\u10d1\u10d8\u10d0\u10dc.<\/p>\n<p> \u10d0\u10e1\u10d4\u10d7\u10d8 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d8\u10d0 Deserve. \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10e3\u10e0\u10d8 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8 \u10d2\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10d7 &#8220;\u10d4\u10e0\u10d7\u10d8 \u10e8\u10d4\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d4\u10d1\u10d0 \u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10d4\u10e0\u10e1&#8221; \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10e1, \u10e0\u10d0\u10ea \u10d3\u10d0\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0 \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d4\u10d1\u10d8\u10d7 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 90 \u10d3\u10e6\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10d2\u10d0\u10d5\u10d8\u10d3\u10dc\u10d4\u10dc. Deserve-\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e1 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10e1\u10d8\u10e9\u10e5\u10d0\u10e0\u10d4 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d7\u10d5\u10d8\u10d7\u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d4\u10d1\u10d6\u10d4 \u10dd\u10e0\u10d8\u10d4\u10dc\u10e2\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0 \u10d2\u10d0\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d8\u10d9\u10da\u10d8\u10e1 \u10d4\u10e4\u10d4\u10e5\u10e2\u10e3\u10e0\u10dd\u10d1\u10d8\u10d7.<\/p>\n<p> <b>\u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0 \u10d8\u10e7\u10d8\u10d3\u10dd \u10d8\u10e5\u10d8\u10d3\u10d0\u10dc \u10e1\u10d0\u10d8\u10d3\u10d0\u10dc\u10d0\u10ea \u10d2\u10d8\u10dc\u10d3\u10d0<\/b><\/p>\n<p> BaaS\u2013 \u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1, \u10e0\u10dd\u10db \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10d2\u10d0\u10d0\u10e4\u10d0\u10e0\u10d7\u10dd\u10d5\u10dd\u10dc \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d4\u10d1\u10d8.<br \/>\n \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, Grab Financial-\u10db\u10d0 \u10d2\u10d0\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d0 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0 GrabPay-\u10d8\u10e1 \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7, \u10d8\u10db\u10d8\u10e1 \u10db\u10d0\u10d2\u10d8\u10d5\u10e0\u10d0\u10d3, \u10e0\u10dd\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d4\u10d7\u10ee\u10dd\u10d5\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10db\u10dd\u10d1\u10d8\u10da\u10e3\u10e0\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0.<\/p>\n<p> <b>\u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10dd\u10d1\u10d8\u10d7 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10d0<\/b><\/p>\n<p> BaaS-\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7, \u10dc\u10d0\u10ea\u10d5\u10da\u10d0\u10d3 \u10d8\u10db\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db \u10d4\u10e0\u10d7\u10d8 \u10db\u10dd\u10e5\u10db\u10d4\u10d3\u10d8 \u10db\u10dd\u10d7\u10d0\u10db\u10d0\u10e8\u10d4 \u10e4\u10d0\u10e0\u10d0\u10d5\u10d3\u10d4\u10e1 \u10db\u10d7\u10d4\u10da \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d0\u10e5\u10db\u10d4\u10e1, \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d8\u10e0\u10d3\u10dc\u10d4\u10dc \u10d8\u10db\u10d0\u10d6\u10d4, \u10e0\u10d0\u10e8\u10d8\u10ea \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd\u10d4\u10d1\u10d8 \u10d0\u10e0\u10d8\u10d0\u10dc. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, Marqueta \u10ea\u10dc\u10dd\u10d1\u10d8\u10da\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d0 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7, \u10ee\u10dd\u10da\u10dd Stripe \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10d4\u10d1\u10d6\u10d4 \u10e4\u10dd\u10d9\u10e3\u10e1\u10d8\u10e0\u10d3\u10d0 \u10d3\u10d0 \u10d3\u10e0\u10dd\u10d7\u10d0 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8, \u10d2\u10d0\u10d0\u10e4\u10d0\u10e0\u10d7\u10dd\u10d5\u10d0 \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d4\u10d1\u10d8 \u10ee\u10d0\u10d6\u10d8\u10dc\u10d8\u10e1, \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d3\u10d0\u10dc\u10d0\u10e8\u10d0\u10e3\u10da\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d8\u10d7. \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da \u10e1\u10e4\u10d4\u10e0\u10dd\u10d4\u10d1\u10e8\u10d8, \u10de\u10e0\u10dd\u10d5\u10d0\u10d8\u10d3\u10d4\u10e0\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10d8\u10e7\u10d5\u10dc\u10d4\u10dc \u10d8\u10db \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10d0\u10d7\u10d7\u10d5\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8\u10d0.<\/p>\n<p> <b>\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10db\u10d4\u10e2\u10d8 \u10e9\u10d0\u10e0\u10d7\u10e3\u10da\u10dd\u10d1\u10d0, \u10db\u10d4\u10e2\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8<\/b><\/p>\n<p> \u10e9\u10d5\u10d4\u10dc \u10d0\u10e6\u10d5\u10dc\u10d8\u10e8\u10dc\u10d4\u10d7, \u10d7\u10e3 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1 BaaS-\u10d8\u10d7 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d0\u10e6\u10d8\u10dc\u10d8\u10e8\u10dc\u10dd\u10e1, \u10e0\u10dd\u10db \u10d8\u10d2\u10d8\u10d5\u10d4 \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10e1\u10d0\u10ea \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7.<\/p>\n<p> Square-\u10db\u10d0 \u10d3\u10d8\u10d3\u10d8 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10db\u10d8\u10d8\u10e6\u10dd \u10d7\u10d0\u10d5\u10d8\u10e1\u10d8 Cash \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10d3\u10d0\u10dc. 2019 \u10ec\u10d4\u10da\u10e1, Square Cash \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0\u10db $ 1.11 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10d2\u10d0\u10db\u10dd\u10d8\u10db\u10e3\u10e8\u10d0\u10d5\u10d0, \u10e0\u10d0\u10ea \u10ec\u10d8\u10dc\u10d0 \u10ec\u10d4\u10da\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 157 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10d7 \u10db\u10d4\u10e2\u10d8\u10d0. \u10db\u10d0\u10d7 \u10d0\u10e1\u10d4\u10d5\u10d4 \u10db\u10dd\u10d8\u10d6\u10d8\u10d3\u10d4\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d7\u10d5\u10d8\u10e3\u10e0\u10d8 24 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8. \u10d4\u10e1 60 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10d0\u10dc\u10d8 \u10ec\u10da\u10d8\u10e3\u10e0\u10d8 \u10d6\u10e0\u10d3\u10d0 \u10d8\u10e7\u10dd.<\/p>\n<p> <b>\u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8 \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10d8 \u10e5\u10db\u10dc\u10d8\u10d0\u10dc \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0\u10e1<\/b><\/p>\n<p> BaaS\u2013\u10db\u10d0 \u10db\u10d8\u10d8\u10d6\u10d8\u10d3\u10d0 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8 \u10e3\u10d3\u10d8\u10d3\u10d4\u10e1\u10d8 \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d2\u10d8\u10d2\u10d0\u10dc\u10e2\u10d4\u10d1\u10d8, \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e1\u10d0\u10e7\u10dd\u10e4\u10d0\u10ea\u10ee\u10dd\u10d5\u10e0\u10d4\u10d1\u10dd \u10d1\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8.<br \/>\n \u10e8\u10d4\u10d5\u10ee\u10d4\u10d3\u10dd\u10d7 Strips-\u10e1. \u10db\u10d0\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2, \u10e0\u10d0\u10ea \u10d8\u10d2\u10d8 \u10d3\u10d0\u10d0\u10e0\u10e1\u10d3\u10d0 2010 \u10ec\u10d4\u10da\u10e1, \u10db\u10d0\u10dc \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ed\u10e0\u10d0 \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10d0. \u10db\u10d0\u10d7 \u10d0\u10e5\u10d5\u10d7 \u10db\u10ea\u10d8\u10e0\u10d4 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10d1\u10d0\u10d6\u10d4\u10d1\u10d8. Stripe \u10d0\u10ee\u10da\u10d0 36 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10d3\u10dd\u10da\u10d0\u10e0\u10d0\u10d3 \u10d0\u10e0\u10d8\u10e1 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d0 \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10db\u10d0\u10ea Stripe-\u10d7\u10d0\u10dc \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10d3\u10dc\u10d4\u10dc, \u10db\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d8\u10d0\u10dc.<\/p>\n<p> Goldman Sachs, \u10d0\u10e8\u10e8-\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d3\u10d8\u10d3\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10ec\u10d8\u10dc \u10db\u10d8\u10d8\u10ec\u10d4\u10d5\u10e1 BaaS-\u10e1\u10d7\u10d0\u10dc \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7. \u10db\u10d0\u10dc \u10ea\u10dd\u10e2\u10d0 \u10ee\u10dc\u10d8\u10e1 \u10ec\u10d8\u10dc \u10e9\u10d0\u10e3\u10e8\u10d5\u10d0 API-first developer portal, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \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\u10e1 \u10e9\u10d0\u10d3\u10dd\u10dc \u10e4\u10d8\u10dc\u10d0\u10dc\u10d4\u10d1\u10d8 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10e8\u10d8. \u10d4\u10ed\u10d5\u10d2\u10d0\u10e0\u10d4\u10e8\u10d4\u10d0, \u10e0\u10dd\u10db \u10e1\u10ee\u10d5\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10db\u10d8\u10f0\u10e7\u10d5\u10d4\u10d1\u10d8\u10d0\u10dc \u10d2\u10dd\u10da\u10d3\u10db\u10d0\u10dc\u10d8\u10e1 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\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":"Banking as a Service (BaaS) \u10ea\u10d5\u10da\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10e1\u10d0\u10db\u10e7\u10d0\u10e0\u10dd\u10e1. \u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7, \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10e1, \u10d0\u10e9\u10e5\u10d0\u10e0\u10d4\u10d1\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10e8\u10d4\u10e1\u10d5\u10da\u10d0\u10e1 \u10d3\u10d0 \u10d2\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10d7 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10e1.","protected":false},"author":1,"featured_media":25761,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1307],"tags":[588,602,915,1074,1309],"class_list":["post-25760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inovaciebi-da-startapebi","tag-fintech","tag-teqnologiebi","tag-biznesis-ganvitareba","tag-cifruli-teqnologiebi","tag-api-servisebi"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25760","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=25760"}],"version-history":[{"count":3,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25760\/revisions"}],"predecessor-version":[{"id":40427,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25760\/revisions\/40427"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/25761"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=25760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=25760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=25760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}