{"id":25856,"date":"2022-01-17T00:00:00","date_gmt":"2022-01-16T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/msoflios-3-carmatebuli-da\/"},"modified":"2026-01-27T17:30:28","modified_gmt":"2026-01-27T13:30:28","slug":"msoflios-3-carmatebuli-da","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/msoflios-3-carmatebuli-da\/","title":{"rendered":"\u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e1 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d2\u10d8\u10d2\u10d0\u10dc\u10e2\u10d4\u10d1\u10d8: 3 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10db\u10d0\u10ea \u10e8\u10d4\u10ea\u10d5\u10d0\u10da\u10d0 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8"},"content":{"rendered":"<p style=\"text-align: justify;\">\u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10d0\u10e8\u10e8-\u10e8\u10d8, 2021 \u10ec\u10da\u10d8\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da \u10d9\u10d5\u10d0\u10e0\u10e2\u10d0\u10da\u10e8\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1, $13 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10d3\u10dd\u10da\u10d0\u10e0\u10d0\u10db\u10d3\u10d4 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0, \u10e0\u10d0\u10ea 2020 \u10ec\u10da\u10d8\u10e1 \u10d0\u10dc\u10d0\u10da\u10dd\u10d2\u10d8\u10e3\u10e0 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 220%-\u10d8\u10d0\u10dc \u10db\u10d0\u10e2\u10d4\u10d1\u10d0\u10e1 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1. \u10e0\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10d0\u10db\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10db\u10d8\u10d6\u10d4\u10d6\u10d8? \u10de\u10d0\u10e1\u10e3\u10ee\u10d8 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8\u10d0: \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8, \u10db\u10dd\u10e5\u10dc\u10d8\u10da\u10d8 \u10d3\u10d0 \u10e0\u10d0\u10ea \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8\u10d0, \u10dc\u10d0\u10d9\u10da\u10d4\u10d1 \u10d1\u10d8\u10e3\u10e0\u10dd\u10d9\u10e0\u10d0\u10e2\u10d8\u10e3\u10da\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10e1 \u10e8\u10d4\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0. \u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10dd \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8 \u10d9\u10dd\u10db\u10de\u10da\u10d4\u10e5\u10e1\u10e3\u10e0\u10d8 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10d7\u10d0\u10d0 \u10d3\u10d0\u10e2\u10d5\u10d8\u10e0\u10d7\u10e3\u10da\u10d8 \u10d3\u10d0 \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10db\u10d8\u10da\u10d8\u10dd\u10dc \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0\u10dc \u10e3\u10e0\u10d7\u10d8\u10d4\u10e0\u10d7\u10d1\u10d8\u10e1\u10d0\u10e1 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10e1 \u10db\u10d8\u10ec\u10dd\u10d3\u10d4\u10d1\u10d0 \u10ed\u10d8\u10e0\u10e1.<\/p>\n<p style=\"text-align: justify;\">Open Banking-\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10db \u10d3\u10d0 \u10d2\u10d0\u10e0\u10d9\u10d5\u10d4\u10e3\u10da \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d0\u10d6\u10d4 \u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10e1 \u10d2\u10d0\u10d6\u10e0\u10d3\u10d0\u10db, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10d4\u10da.\u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d4\u10d1\u10d0\u10db \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9\u10d4\u10d1\u10d6\u10d4 \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d0 \u10d0\u10e8\u10e8-\u10e8\u10d8 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10d2\u10d0\u10d0\u10e1\u10d0\u10db\u10db\u10d0\u10d2\u10d0. \u10db\u10dd\u10d7\u10ee\u10dd\u10d5\u10dc\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3, \u10db\u10d0\u10e2\u10e3\u10da\u10dd\u10d1\u10e1 \u10db\u10e1\u10d2\u10d0\u10d5\u10e1\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10ea. \u10d1\u10da\u10dd\u10d2\u10e8\u10d8 \u10d5\u10d4\u10ea\u10d3\u10d4\u10d1\u10d8\u10d7 3 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d3\u10d0 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10e3\u10e0\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10d2\u10d0\u10d2\u10d0\u10ea\u10dc\u10dd\u10d7, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10db\u10d0\u10ea \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1\u10d8 \u10d9\u10dd\u10e0\u10de\u10dd\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d5\u10d4\u10e0\u10d3\u10d8\u10d7 \u10d3\u10d0\u10d8\u10db\u10d9\u10d5\u10d8\u10d3\u10e0\u10d4\u10e1 \u10d0\u10d3\u10d2\u10d8\u10da\u10d8.<\/p>\n<p style=\"text-align: justify;\">1) Stripe &#8211; \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10eb\u10d5\u10d8\u10e0\u10d0\u10d3\u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0\u10d0 \u10d0\u10e8\u10e8-\u10e8\u10d8 \u10d3\u10d0 \u10db\u10d4\u10dd\u10e0\u10d4 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10eb\u10d5\u10d8\u10e0\u10d0\u10d3\u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d8 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8, \u10d8\u10e1 $95 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d0\u10d3\u10d0\u10d0 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e0\u10d0\u10ea \u10d8\u10db\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8\u10d0 \u10d5\u10d8\u10d3\u10e0\u10d4 Gazprom, Airbnb, Uber, Daimler, Booking.com, BP, General Motors \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10d9\u10d0\u10de\u10d8\u10e2\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0. Stripe \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 2011 \u10ec\u10d4\u10da\u10e1, \u10de\u10d0\u10e2\u10e0\u10d8\u10d9 \u10d3\u10d0 \u10ef\u10dd\u10dc \u10d9\u10dd\u10da\u10d8\u10e1\u10dd\u10dc\u10d4\u10d1\u10db\u10d0 \u10d3\u10d0\u10d0\u10e4\u10e3\u10eb\u10dc\u10d4\u10e1 \u10d3\u10d0 \u10d3\u10e6\u10d4\u10db\u10d3\u10d4 \u10db\u10ea\u10d8\u10e0\u10d4, \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d3\u10d0 \u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d8 \u10d6\u10dd\u10db\u10d8\u10e1 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10e1 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10dc\u10d4\u10ef\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d0\u10dc. \u10db\u10d0\u10d7\u10d8 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10d0\u10e1 \u10e3\u10d9\u10d5\u10d4 \u10d8\u10e1\u10d4\u10d7\u10d8 \u10e1\u10d0\u10ee\u10d4\u10da\u10d4\u10d1\u10d8 \u10d0\u10db\u10e8\u10d5\u10d4\u10dc\u10d4\u10d1\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea Microsoft \u10d3\u10d0 Zoom-\u10d8\u10d0. \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10e2\u10d4\u10e5.\u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, Stripe-\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1\u10d0\u10ea 2020 \u10ec\u10d4\u10da\u10d8 \u10ec\u10d0\u10e0\u10db\u10d0\u10e2\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10db\u10dd\u10d3\u10d2\u10d0, \u10d0\u10db \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10d1\u10d0\u10d6\u10e0\u10dd \u10d9\u10d0\u10de\u10d8\u10e2\u10d0\u10da\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0 $35-\u10d3\u10d0\u10dc $95 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d0\u10db\u10d3\u10d4 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0. \u10db\u10d8\u10e1\u10d8 \u10d3\u10d0\u10db\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10d8\u10e0\u10da\u10d0\u10dc\u10d3\u10d8\u10d4\u10da\u10d8 \u10eb\u10db\u10d4\u10d1\u10d8 \u10d0\u10e0\u10d8\u10d0\u10dc, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10db\u10d0\u10ea MIT (Massachusetts Institute of Technology) \u10d3\u10d0 Harvard \u10db\u10d8\u10d0\u10e2\u10dd\u10d5\u10d4\u10e1 \u10d3\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e0\u10d4\u10e1\u10e3\u10e0\u10e1\u10d4\u10d1\u10d8 \u10db\u10d7\u10da\u10d8\u10d0\u10dc\u10d0\u10d3 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1 \u10db\u10dd\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10e1. \u10d3\u10e6\u10d4\u10e1 \u10db\u10d0\u10d7\u10d8 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0 $19 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10e1 \u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e1.<\/p>\n<p style=\"text-align: justify;\">\u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d7\u10d0\u10db\u10d0\u10db\u10d0\u10d3 \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7, \u10e0\u10dd\u10db Stripe-\u10d8\u10e1 \u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10d0\u10dc\u10d0\u10da\u10dd\u10d2\u10d8 Payze-\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea 500 Startups-\u10d8\u10e1 \u10d0\u10e5\u10e1\u10d4\u10da\u10d4\u10e0\u10d0\u10e2\u10dd\u10e0\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10d2\u10d0\u10db\u10d0\u10e0\u10ef\u10d5\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d0 \u10d3\u10d0 \u10e8\u10d4\u10db\u10dd\u10d3\u10d2\u10dd\u10db\u10d0\u10d6\u10d4 \u10e1\u10ee\u10d5\u10d0 \u10e4\u10d8\u10dc\u10d0\u10da\u10d8\u10e1\u10e2\u10d4\u10d1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10e1\u10d8\u10da\u10d8\u10d9\u10dd\u10dc \u10d5\u10d4\u10da\u10d8\u10d6\u10d4 \u10db\u10d8\u10d4\u10db\u10d2\u10d6\u10d0\u10d5\u10e0\u10d4\u10d1\u10d0. Stripe-\u10d8\u10e1 \u10db\u10e1\u10d2\u10d0\u10d5\u10e1\u10d0\u10d3 Payze-\u10ea \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10d7\u10d0\u10d0 \u10d3\u10d0\u10d9\u10d0\u10d5\u10d4\u10d1\u10e3\u10da\u10d8.<\/p>\n<p style=\"text-align: justify;\">2) \u10e0\u10d8\u10d2\u10d8\u10d7 \u10db\u10d4\u10dd\u10e0\u10d4 \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9\u10d8 Klarna-\u10d0 $31 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8\u10d7. \u10e8\u10d5\u10d4\u10d3\u10e3\u10e0\u10d8 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d8 \u10e1\u10d4\u10d1\u10d0\u10e1\u10e2\u10d8\u10d0\u10dc \u10e1\u10d8\u10d4\u10db\u10d8\u10d0\u10e2\u10d9\u10dd\u10d5\u10e1\u10d9\u10d8\u10db, \u10dc\u10d8\u10d9\u10dd\u10da\u10d0\u10e1 \u10d0\u10d3\u10d0\u10da\u10d1\u10d4\u10e0\u10d7\u10db\u10d0 \u10d3\u10d0 \u10d5\u10d8\u10e5\u10e2\u10dd\u10e0 \u10d8\u10d0\u10d9\u10dd\u10d1\u10e1\u10dd\u10dc\u10db\u10d0 \u10d3\u10d0\u10d0\u10d0\u10e0\u10e1\u10d4\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d7\u10d0 \u10ef\u10d0\u10db\u10e3\u10e0\u10d8 \u10e5\u10dd\u10dc\u10d4\u10d1\u10d0\u10ea \u10d0\u10ee\u10da\u10d0 $2.2 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10e1 \u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e1. \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 2005 \u10ec\u10d4\u10da\u10e1 \u10db\u10d0\u10d7\u10d8 \u10d8\u10d3\u10d4\u10d0 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10dd\u10e0\u10db\u10d0 \u10d3\u10d0\u10d8\u10ec\u10e3\u10dc\u10d0 \u10d3\u10d0 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10e1\u10e8\u10d8 \u10d1\u10dd\u10da\u10dd \u10d0\u10d3\u10d2\u10d8\u10da\u10d8\u10ea \u10d9\u10d8 \u10d3\u10d0\u10d8\u10d9\u10d0\u10d5\u10d4\u10e1. \u10d3\u10e6\u10d4\u10e1 Klarna \u201e\u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2\u201c \u10db\u10dd\u10d3\u10d4\u10da\u10d8\u10d7 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10e1 \u10d3\u10d0 \u10d8\u10e1\u10d4\u10d7 \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1 \u10e0\u10d8\u10d7\u10d4\u10d8\u10da \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d7\u10d0\u10dc \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10dd\u10d1\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea IKEA, H&amp;M \u10d3\u10d0 Etsy-\u10d0. Forbes-\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10db\u10d8\u10e1\u10d8 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8 \u10d2\u10d0\u10e1\u10d0\u10db\u10db\u10d0\u10d2\u10d4\u10d1\u10e3\u10da\u10d8\u10d0. \u10ef\u10d4\u10e0 \u10d9\u10d8\u10d3\u10d4\u10d5 2011 \u10ec\u10d4\u10da\u10e1 \u10e8\u10d5\u10d4\u10d3\u10d4\u10d7\u10e8\u10d8, \u10d4\u10da.\u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d0\u10e8\u10d8 \u10d3\u10d0\u10ee\u10d0\u10e0\u10ef\u10e3\u10da\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 40% \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10db\u10d0 Klarna-\u10e1 \u10d3\u10d0\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0\u10e4\u10d0\u10e0\u10d4\u10e1. \u10db\u10d8\u10e1\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1 \u10db\u10dd\u10d3\u10d4\u10da\u10d8 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10e1 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d4\u10d1\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1. \u10db\u10d0\u10d7\u10d8 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d3\u10d0 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d8\u10e1 \u10e8\u10d4\u10e5\u10db\u10dc\u10d0\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e3\u10d9\u10d5\u10d4 15 \u10e5\u10d5\u10d4\u10e7\u10d0\u10dc\u10d0\u10e8\u10d8 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d4\u10e1. \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0 \u10e3\u10d9\u10d5\u10d4 3500 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10e1 \u10d0\u10e1\u10d0\u10e5\u10db\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d8\u10e1\u10d4\u10d7 \u10d1\u10d0\u10d6\u10e0\u10d4\u10d1\u10d6\u10d4\u10d0 \u10e8\u10d4\u10e1\u10e3\u10da\u10d8, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea\u10d0\u10d0: \u10d0\u10e8\u10e8, \u10d3\u10d8\u10d3\u10d8 \u10d1\u10e0\u10d8\u10e2\u10d0\u10dc\u10d4\u10d7\u10d8, \u10e1\u10d0\u10e4\u10e0\u10d0\u10dc\u10d2\u10d4\u10d7\u10d8, \u10d4\u10e1\u10de\u10d0\u10dc\u10d4\u10d7\u10d8, \u10e8\u10d5\u10d4\u10d8\u10ea\u10d0\u10e0\u10d8\u10d0, \u10d3\u10d0\u10dc\u10d8\u10d0, \u10e4\u10d8\u10dc\u10d4\u10d7\u10d8 \u10d3\u10d0 \u10d0.\u10e8. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10db\u10d8\u10e2\u10dd\u10db, \u10d8\u10e1 \u10d4.\u10ec \u201ePost-Payment\u201d \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10d8 \u10e3\u10db\u10e1\u10ee\u10d5\u10d8\u10da\u10d4\u10e1\u10d8 \u10ec\u10d0\u10e0\u10db\u10dd\u10db\u10d0\u10d3\u10d2\u10d4\u10dc\u10d4\u10da\u10d8\u10d0.<\/p>\n<p style=\"text-align: justify;\">3) \u10db\u10d4\u10e1\u10d0\u10db\u10d4 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10eb\u10d5\u10d8\u10e0\u10d0\u10d3\u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9\u10d8 \u10e1\u10d0\u10dc-\u10e4\u10e0\u10d0\u10dc\u10ea\u10d8\u10e1\u10d9\u10dd\u10e8\u10d8 \u10d3\u10d0\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d9\u10e0\u10d8\u10de\u10e2\u10dd\u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10e1\u10d0\u10d5\u10d0\u10ed\u10e0\u10dd \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0 Kraken-\u10d8\u10d0, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10ea $20 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8\u10d0. Forbes-\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10d8\u10e1 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10db\u10dd\u10ea\u10e3\u10da\u10dd\u10d1\u10d8\u10d7 \u10d4\u10d5\u10e0\u10dd\u10de\u10d8\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10de\u10d8\u10e0\u10d5\u10d4\u10da \u10d0\u10d3\u10d2\u10d8\u10da\u10e1 \u10d8\u10d9\u10d0\u10d5\u10d4\u10d1\u10e1, \u10d0\u10e8\u10e8-\u10e8\u10d8 \u10d9\u10d8 Coinbase-\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2, \u10db\u10d4\u10dd\u10e0\u10d4\u10e1. \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d8\u10e1 \u10e1\u10d0\u10db\u10dd\u10db\u10d0\u10d5\u10da\u10dd \u10d2\u10d4\u10d2\u10db\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d8\u10e0\u10d9\u10d5\u10d4\u10d5\u10d0, \u10e0\u10dd\u10db \u10e8\u10d4\u10db\u10dd\u10d3\u10d2\u10dd\u10db\u10d0\u10d6\u10d4 \u10db\u10d8\u10e1\u10d8 \u10d3\u10d0\u10db\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e9\u10d0\u10e8\u10d5\u10d4\u10d1\u10d0\u10e1\u10d0\u10ea \u10d0\u10de\u10d8\u10e0\u10d4\u10d1\u10d4\u10dc, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10da\u10d8\u10ea\u10d4\u10dc\u10d6\u10d8\u10d0\u10ea 2020 \u10ec\u10da\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10d4\u10db\u10d1\u10d4\u10e0\u10e8\u10d8 \u10db\u10dd\u10d8\u10de\u10dd\u10d5\u10d4\u10e1.<\/p>\n<p style=\"text-align: justify;\">\u10d4\u10e1 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10dc\u10d0\u10d7\u10da\u10d0\u10d3 \u10d0\u10e1\u10d0\u10ee\u10d0\u10d5\u10e1 \u10d8\u10db \u10de\u10dd\u10e2\u10d4\u10dc\u10ea\u10d8\u10d0\u10da\u10e1, \u10e0\u10d0\u10ea \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10e3\u10da\u10d4\u10d1\u10d0\u10e1 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10d2\u10d0\u10d0\u10e9\u10dc\u10d8\u10d0. Fintech.ge-\u10e1\u10d7\u10d0\u10dc \u10d8\u10dc\u10e2\u10d4\u10e0\u10d5\u10d8\u10e3\u10e8\u10d8, \u10e1\u10d8\u10da\u10d8\u10d9\u10dd\u10dc \u10d5\u10d4\u10da\u10d8\u10e1 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7\u10db\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10dd\u10e0\u10db\u10d0, \u10db\u10d0\u10e0\u10d5\u10d8\u10dc \u10da\u10d8\u10d0\u10dd\u10db \u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10e2\u10d4\u10dc\u10ea\u10d8\u10d0\u10da\u10e1\u10d0\u10ea \u10d2\u10d0\u10e3\u10e1\u10d5\u10d0 \u10ee\u10d0\u10d6\u10d8 \u10d3\u10d0 \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0, \u10e0\u10dd\u10db \u10db\u10e1\u10d2\u10d0\u10d5\u10e1\u10d8 \u10e2\u10d8\u10de\u10d8\u10e1 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4 \u10e3\u10d0\u10db\u10e0\u10d0\u10d5\u10d8 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10e1.<\/p>\n<p style=\"text-align: justify;\">\u201e\u10d0\u10d3\u10e0\u10d4 \u10d7\u10e3 \u10d2\u10d5\u10d8\u10d0\u10dc \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8 \u10e9\u10dc\u10d3\u10d4\u10d1\u10d0 \u10e3\u10d0\u10db\u10e0\u10d0\u10d5\u10d8 \u10d2\u10d4\u10de\u10d8, \u10e0\u10dd\u10db\u10da\u10d8\u10e1 \u10d0\u10db\u10dd\u10d5\u10e1\u10d4\u10d1\u10d0\u10ea \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10db\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10e8\u10d4\u10eb\u10da\u10dd\u10dc. \u10d4\u10e1 \u10d0\u10e0\u10d0\u10db\u10d0\u10e0\u10e2\u10dd \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10d7\u10d0\u10d5\u10d0\u10d3 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1\u10d0\u10ea \u10e1\u10d0\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0, \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10e1\u10d4 \u10db\u10dd\u10ee\u10d3\u10d0 \u10d0\u10e8\u10e8-\u10e8\u10d8\u10ea. \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1 B2B \u10d0\u10dc B2C \u10e1\u10d4\u10d2\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0 \u10d0\u10e5\u10d5\u10e1, \u10d4\u10e1 \u10e3\u10d0\u10db\u10e0\u10d0\u10d5 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10e1\u10d0\u10e9\u10d4\u10dc\u10e1 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10e0\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10d3\u10e0\u10dd\u10e1, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d0\u10e1 \u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d0\u10e1 \u10e8\u10d4\u10ee\u10d5\u10d3\u10d4\u10d1\u10d8\u10d7 \u10d8\u10ea\u10dd\u10d3\u10d4\u10d7, \u10e0\u10dd\u10db \u10d4\u10e1 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da \u10e8\u10d0\u10dc\u10e1\u10e1 \u10dc\u10d8\u10e8\u10dc\u10d0\u10d5\u10e1. \u10d3\u10d8\u10d3\u10d8 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8 \u10e1\u10ec\u10e0\u10d0\u10e4\u10d0\u10d3 \u10d8\u10d6\u10e0\u10d3\u10d4\u10d1\u10d8\u10d0\u10dc, \u10d7\u10e3\u10db\u10ea\u10d0 \u10db\u10d0\u10d7\u10d8 \u10e7\u10e3\u10e0\u10d0\u10d3\u10e6\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10db\u10d0 \u10d0\u10e0\u10d0\u10d4\u10e0\u10d7\u10d8 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d8 \u10e0\u10e9\u10d4\u10d1\u10d0, \u10e0\u10d0\u10ea \u10e4\u10d8\u10dc\u10e2\u10d4\u10d9\u10d4\u10d1\u10db\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10dd\u10dc.\u201c &#8211; \u10d0\u10e6\u10dc\u10d8\u10e8\u10dc\u10d0 \u10db\u10d0\u10dc.<\/p>\n<div style=\"text-align: justify;\"><\/div>\n","protected":false},"excerpt":{"rendered":"\u10d2\u10d0\u10d8\u10d2\u10d4\u10d7, \u10e0\u10dd\u10d2\u10dd\u10e0 \u10db\u10d8\u10d0\u10e6\u10ec\u10d8\u10d0 Stripe-\u10db\u10d0, Klarna-\u10db \u10d3\u10d0 Kraken-\u10db\u10d0 $95 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10e8\u10d4\u10e4\u10d0\u10e1\u10d4\u10d1\u10d0\u10e1. \u10d0\u10e6\u10db\u10dd\u10d0\u10e9\u10d8\u10dc\u10d4\u10d7 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10d8 \u10d3\u10d0 \u10e5\u10d0\u10e0\u10d7\u10e3\u10da\u10d8 \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10d1\u10d8\u10e1 \u10de\u10dd\u10e2\u10d4\u10dc\u10ea\u10d8\u10d0\u10da\u10d8.","protected":false},"author":1,"featured_media":25857,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1307],"tags":[576,588,602,1074],"class_list":["post-25856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inovaciebi-da-startapebi","tag-startapebi","tag-fintech","tag-teqnologiebi","tag-cifruli-teqnologiebi"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25856","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=25856"}],"version-history":[{"count":3,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25856\/revisions"}],"predecessor-version":[{"id":40480,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/25856\/revisions\/40480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/25857"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=25856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=25856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=25856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}