{"id":25933,"date":"2023-01-19T00:00:00","date_gmt":"2023-01-18T20:00:00","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/siakhleebi\/finteq-trendebi-2023-clistvi\/"},"modified":"2026-01-27T17:33:52","modified_gmt":"2026-01-27T13:33:52","slug":"finteq-trendebi-2023-clistvi","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/biznesi\/inovaciebi-da-startapebi\/finteq-trendebi-2023-clistvi\/","title":{"rendered":"2023 \u10ec\u10da\u10d8\u10e1 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10e2\u10e0\u10d4\u10dc\u10d3\u10d4\u10d1\u10d8: \u10e0\u10d0 \u10d2\u10d4\u10da\u10dd\u10d3\u10d4\u10d1\u10d0\u10d7 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e8\u10d8?"},"content":{"rendered":"<p>2022 \u10ec\u10da\u10d8\u10e1 \u10db\u10d4\u10dd\u10e0\u10d4 \u10d9\u10d5\u10d0\u10e0\u10e2\u10d0\u10da\u10e8\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d8\u10e1 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d3\u10d0. \u10d7\u10e3\u10db\u10ea\u10d0, \u10d3\u10e6\u10d4\u10e1\u10d3\u10e6\u10d4\u10dd\u10d1\u10d8\u10d7 \u10d4\u10e1 \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d8, \u10e1\u10d0\u10d3\u10d0\u10ea \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10e1\u10d0\u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10dd \u10e0\u10d0\u10e3\u10dc\u10d3\u10d8 \u10e2\u10d0\u10e0\u10d3\u10d4\u10d1\u10d0. 2022 \u10ec\u10da\u10d8\u10e1 \u10db\u10d4\u10dd\u10e0\u10d4 \u10d9\u10d5\u10d0\u10e0\u10e2\u10d0\u10da\u10e8\u10d8 \u10d0\u10db \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10db\u10d0 \u10db\u10dd\u10d8\u10d6\u10d8\u10d3\u10d0 21,5 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10d3\u10dd\u10da\u10d0\u10e0\u10d8 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d0\u10d3.<\/p>\n<p> \u10d0\u10db\u10d4\u10e0\u10d8\u10d9\u10d8\u10e1 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\u10d0\u10e1\u10e2\u10d8\u10db\u10e3\u10da\u10d8\u10e0\u10d4\u10d1\u10e1 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1, \u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10d0\u10d3 \u10db\u10d8\u10d8\u10e6\u10dd\u10dc \u10e3\u10d0\u10ee\u10da\u10d4\u10e1\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10d8, \u10e0\u10d0\u10d7\u10d0 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10dc \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10d3\u10dd\u10dc\u10d4 \u10d3\u10d0 \u10e8\u10d4\u10d8\u10dc\u10d0\u10e0\u10e9\u10e3\u10dc\u10dd\u10dc \u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10da\u10d8 \u10db\u10d0\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10d4\u10da\u10d8.<\/p>\n<p> \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d8 2030 \u10ec\u10d4\u10da\u10e1 698,48 \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, \u10ee\u10dd\u10da\u10dd 2020 \u10ec\u10d4\u10da\u10e1 110,57 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8 \u10d3\u10dd\u10da\u10d0\u10e0\u10d8 \u10d8\u10e7\u10dd. \u10e1\u10e2\u10d0\u10e0\u10e2\u10d0\u10de\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10dd\u10e0\u10d2\u10d0\u10dc\u10d8\u10d6\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8 \u10d0\u10d2\u10e0\u10eb\u10d4\u10da\u10d4\u10d1\u10d4\u10dc \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8\u10e1 \u10e2\u10d4\u10db\u10de\u10e1, \u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10d4\u10dc \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d4\u10dc \u10e2\u10d4\u10e5\u10dc\u10d8\u10d9\u10e3\u10e0 \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10e1.<\/p>\n<p> \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4 \u10d3\u10d0\u10d9\u10d5\u10d8\u10e0\u10d5\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3 \u10d9\u10d8 \u10e8\u10d4\u10d5\u10eb\u10d4\u10da\u10d8\u10d7, \u10d2\u10d0\u10db\u10dd\u10d2\u10d5\u10d4\u10e7\u10dd \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea \u10d0\u10db \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0\u10e8\u10d8 2023 \u10ec\u10d4\u10da\u10e1 \u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5\u10d7:<\/p>\n<p> <strong>\u10e6\u10d8\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8<\/strong><\/p>\n<p> 2024 \u10ec\u10d4\u10da\u10e1 63,8 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d8 \u10d8\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e6\u10d8\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10d7, \u10de\u10e0\u10dd\u10d2\u10dc\u10dd\u10d6\u10d8\u10e0\u10d4\u10d1\u10e1 Statista. 2020 \u10ec\u10da\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7, \u10d4\u10e1 \u10d7\u10d8\u10d7\u10e5\u10db\u10d8\u10e1 \u10ee\u10e3\u10d7\u10ef\u10d4\u10e0 \u10db\u10d4\u10e2\u10d8\u10d0.<\/p>\n<p> \u10e6\u10d8\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8 \u10e4\u10dd\u10d9\u10e3\u10e1\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d9\u10dd\u10dc\u10e2\u10e0\u10dd\u10da\u10d8\u10e0\u10d4\u10d1\u10d0\u10d3 \u10d2\u10d0\u10ea\u10d5\u10da\u10d0\u10d6\u10d4. \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10e1 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\u10db\u10dd\u10db\u10ec\u10dd\u10d3\u10d4\u10d1\u10da\u10d4\u10d1\u10e1, \u10db\u10d8\u10d8\u10e6\u10dd\u10dc \u10ec\u10d5\u10d3\u10dd\u10db\u10d0 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d6\u10d4. \u10d1\u10d4\u10d5\u10e0\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d2\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10d7 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e0\u10d4\u10d1\u10d0\u10e1, \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8\u10e1 \u10d7\u10d5\u10d0\u10da\u10e7\u10e3\u10e0\u10d8\u10e1 \u10d3\u10d4\u10d5\u10dc\u10d4\u10d1\u10d0\u10e1, \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d5\u10d0\u10e1, \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10e1, \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u10e6\u10d8\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10de\u10d4\u10e0\u10e1\u10de\u10d4\u10e5\u10e2\u10d8\u10d5\u10d4\u10d1\u10e1.<\/p>\n<p> \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10dc\u10d4\u10da-\u10dc\u10d4\u10da\u10d0 \u10e3\u10d9\u10d5\u10d4 \u10d8\u10ec\u10e7\u10d4\u10d1\u10d4\u10dc \u10e6\u10d8\u10d0 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d7\u10d0\u10dc \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10d8\u10e1 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d2\u10d4\u10d1\u10d0\u10e1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d5\u10da\u10d0 \u10ee\u10d4\u10da\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10e1 \u10e1\u10d0\u10db\u10d4\u10ea\u10dc\u10d8\u10d4\u10e0\u10dd \u10d9\u10d5\u10da\u10d4\u10d5\u10d0\u10e1, \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10e3\u10da\u10d8 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10d0\u10e1.<\/p>\n<p> <strong>\u10dc\u10d4\u10dd\u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8<\/strong><\/p>\n<p> \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db \u10d2\u10d5\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d0, \u10e0\u10dd\u10db \u10e1\u10d0\u10ee\u10da\u10d8\u10d3\u10d0\u10dc \u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10e0\u10d8\u10e1 \u10d2\u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0\u10ea \u10d0\u10db\u10d0\u10e1 \u10e1\u10d4\u10e0\u10d8\u10dd\u10d6\u10e3\u10da\u10d0\u10d3 \u10db\u10dd\u10d4\u10d9\u10d8\u10d3\u10d0. \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10db\u10d0 \u10ee\u10d4\u10da\u10d8 \u10e8\u10d4\u10e3\u10ec\u10e7\u10dd \u10dc\u10d4\u10dd\u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8\u10e1 \u10d6\u10e0\u10d3\u10d0\u10e1. \u10dc\u10d4\u10dd \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10f0\u10d2\u10d0\u10d5\u10e1 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10e1, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d0\u10e0 \u10d0\u10e5\u10d5\u10d7 \u10e4\u10d8\u10d6\u10d8\u10d9\u10e3\u10e0\u10d8 \u10db\u10d3\u10d4\u10d1\u10d0\u10e0\u10d4\u10dd\u10d1\u10d4\u10d1\u10d8.<\/p>\n<ul>\n<li>\u10d0\u10db\u10e0\u10d8\u10d2\u10d0\u10d3, \u10dc\u10d4\u10dd \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d8 \u10d0\u10e6\u10ed\u10e3\u10e0\u10d5\u10d8\u10da\u10d8\u10d0 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10db\u10d0\u10ee\u10d0\u10e1\u10d8\u10d0\u10d7\u10d4\u10d1\u10da\u10d8\u10d7. \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10e4\u10d8\u10da\u10d8\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10db\u10dd\u10d3\u10d4\u10da\u10d4\u10d1\u10d8\u10e1 \u10dc\u10d0\u10ea\u10d5\u10da\u10d0\u10d3, \u10d1\u10d4\u10d5\u10e0\u10d8 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8 \u10dd\u10e0\u10d8\u10d4\u10dc\u10e2\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10dc\u10d4\u10dd \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10e1 \u10d9\u10dd\u10dc\u10ea\u10d4\u10e4\u10ea\u10d8\u10d0\u10d6\u10d4. \u10d4\u10e1 \u10d0\u10e0\u10d8\u10e1 \u10db\u10dd\u10d2\u10d4\u10d1\u10d8\u10d0\u10dc\u10d8 \u10db\u10d8\u10d3\u10d2\u10dd\u10db\u10d0 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10e1 \u10e1\u10d8\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd.<\/li>\n<li>Neobanks \u10d0\u10e0\u10d8\u10e1 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10e2\u10d8\u10de\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10e1 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10db\u10ea\u10d8\u10e0\u10d4\u10d1\u10da\u10d0\u10d3. \u10e3\u10e4\u10e0\u10dd \u10d3\u10d8\u10d3 \u10d1\u10d0\u10dc\u10d9\u10d4\u10d1\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10d0\u10ec\u10d5\u10d3\u10d8\u10d0\u10dc \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10dc\u10d0\u10d9\u10da\u10d4\u10d1 \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d4\u10d1\u10e1, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10d9\u10dd\u10dc\u10ea\u10d4\u10dc\u10e2\u10e0\u10d8\u10e0\u10d3\u10d4\u10d1\u10d8\u10d0\u10dc \u10d0\u10db \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d4\u10d1\u10d6\u10d4 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10ee\u10d0\u10e0\u10d8\u10e1\u10ee\u10d8\u10e1 \u10d0\u10e1\u10d0\u10db\u10d0\u10e6\u10da\u10d4\u10d1\u10da\u10d0\u10d3.<\/li>\n<\/ul>\n<p> Statista-\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10d7, \u10dc\u10d4\u10dd\u10d1\u10d0\u10dc\u10d9\u10e8\u10d8 \u10db\u10d8\u10dc\u10d8\u10db\u10e3\u10db \u10d4\u10e0\u10d7\u10d8 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d8\u10e1 \u10db\u10e5\u10dd\u10dc\u10d4 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0 2025 \u10ec\u10d4\u10da\u10e1 39.1 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10e1 \u10db\u10d8\u10d0\u10e6\u10ec\u10d4\u10d5\u10e1, \u10e0\u10d0\u10ea 2021 \u10ec\u10d4\u10da\u10e1 20 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d8 \u10d8\u10e7\u10dd. \u10d8\u10db \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e8\u10d8, \u10e0\u10dd\u10d3\u10d4\u10e1\u10d0\u10ea \u10d3\u10d8\u10e1\u10e2\u10d0\u10dc\u10ea\u10d8\u10e3\u10e0\u10d8 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10d0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10d8\u10d7\u10d8 \u10d8\u10e7\u10dd \u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10db\u10e7\u10d8\u10e1\u10d8\u10d4\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d4\u10d1\u10d8, \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d0\u10ea\u10d8\u10d0 \u10d3\u10d0 IBAN \u10d3\u10d0 ACH \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8\u10e1 \u10e1\u10e0\u10e3\u10da\u10d8 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10d1\u10d0\u10dc\u10d9\u10d8\u10dc\u10d2\u10d8\u10e1 \u10ec\u10d5\u10d3\u10dd\u10db\u10d0 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0\u10d0.<\/p>\n<p> <strong>\u10e0\u10d4\u10d2\u10e2\u10d4\u10e5\u10d8<\/strong><\/p>\n<p> \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e1\u10e2\u10d8\u10e2\u10e3\u10e2\u10d8\u10e1 \u10dd\u10de\u10d4\u10e0\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8 \u10e0\u10d4\u10d2\u10e3\u10da\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10d7\u10d0 \u10d3\u10d0 \u10d9\u10d0\u10dc\u10dd\u10dc\u10d4\u10d1\u10d8\u10d7, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10db\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d3\u10d0\u10d8\u10ea\u10d5\u10d0\u10dc. \u10db\u10d0\u10d7 \u10e3\u10dc\u10d3\u10d0 \u10d0\u10ec\u10d0\u10e0\u10db\u10dd\u10dd\u10dc \u10d1\u10e3\u10e6\u10d0\u10da\u10e2\u10e0\u10e3\u10da\u10d8 \u10d0\u10e6\u10e0\u10d8\u10ea\u10ee\u10d5\u10d0, \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8, \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d8\u10e1 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8.<\/p>\n<p> \u10d2\u10d0\u10dc\u10e0\u10d8\u10d2\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7, \u10d8\u10e1\u10d8\u10dc\u10d8 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10d3\u10dd\u10d9\u10e3\u10db\u10d4\u10dc\u10e2\u10d0\u10ea\u10d8\u10d0\u10e1 \u10d0\u10ec\u10d5\u10d3\u10d8\u10d0\u10dc \u10db\u10d0\u10e0\u10d4\u10d2\u10e3\u10da\u10d8\u10e0\u10d4\u10d1\u10d4\u10da \u10d3\u10d0\u10ec\u10d4\u10e1\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d4\u10d1\u10e1. \u10d8\u10e1\u10d8\u10dc\u10d8 \u10d0\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d4\u10dc \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d8\u10e1\u10ec\u10dd\u10e0\u10d4\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10e1 \u10d9\u10d0\u10dc\u10dd\u10dc\u10d8\u10d4\u10e0\u10d4\u10d1\u10d0\u10e1. \u10db\u10d0\u10e0\u10d4\u10d2\u10e3\u10da\u10d8\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d0 \u10d9\u10d8 \u10d0\u10db \u10e1\u10d8\u10e2\u10e3\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0.<\/p>\n<p> RegTech \u10d0\u10e0\u10d8\u10e1 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d8\u10e1 \u10e2\u10d8\u10de\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10e0\u10d4\u10d2\u10e3\u10da\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10dd\u10d1\u10d8\u10e1 \u10db\u10dd\u10dc\u10d8\u10e2\u10dd\u10e0\u10d8\u10dc\u10d2\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10db\u10d0\u10e0\u10d4\u10d2\u10e3\u10da\u10d8\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d0 \u10d2\u10d0\u10dc\u10e1\u10d0\u10d6\u10e6\u10d5\u10e0\u10d0\u10d5\u10e1 \u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d0\u10e0 \u10e8\u10d4\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d4\u10d1\u10d0 \u10ec\u10d4\u10e1\u10d4\u10d1\u10e1. \u10e1\u10de\u10d4\u10ea\u10d8\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d2\u10e0\u10d0\u10db\u10e3\u10da\u10d8 \u10e3\u10d6\u10e0\u10e3\u10dc\u10d5\u10d4\u10da\u10e7\u10dd\u10e4\u10d0 \u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10d8\u10d6\u10d8\u10e0\u10d4\u10d1\u10e1 \u10d4\u10e0\u10d7\u10e4\u10d4\u10e0\u10dd\u10d5\u10d0\u10dc \u10de\u10e0\u10dd\u10ea\u10d4\u10d3\u10e3\u10e0\u10d4\u10d1\u10e1, \u10d0\u10d9\u10d5\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d7\u10d0 \u10e3\u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10dd\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10d0\u10e4\u10e0\u10d7\u10ee\u10d8\u10da\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10db\u10e8\u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10e1 \u10d7\u10d0\u10e6\u10da\u10d8\u10d7\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1.<\/p>\n<p> <strong>\u10ee\u10d4\u10da\u10dd\u10d5\u10dc\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e2\u10d4\u10da\u10d4\u10e5\u10e2\u10d8 \u10d3\u10d0 \u10db\u10d0\u10dc\u10e5\u10d0\u10dc\u10e3\u10e0\u10d8 \u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10d1\u10d0<\/strong><\/p>\n<p> \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10e8\u10d8 \u10ee\u10d4\u10da\u10dd\u10d5\u10dc\u10e3\u10e0\u10d8 \u10d8\u10dc\u10e2\u10d4\u10da\u10d4\u10e5\u10e2\u10d8\u10e1 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10d1\u10d0\u10d6\u10d0\u10e0\u10d8, \u10e1\u10d0\u10d5\u10d0\u10e0\u10d0\u10e3\u10d3\u10dd\u10d3, \u10db\u10d8\u10d0\u10e6\u10ec\u10d4\u10d5\u10e1 \u10d2\u10d0\u10dc\u10e1\u10d0\u10ea\u10d5\u10d8\u10e4\u10e0\u10d4\u10d1\u10d4\u10da 26,67 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10d3\u10dd\u10da\u10d0\u10e0\u10e1 2026 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10e1\u10d0\u10d4\u10e0\u10d7\u10d0\u10e8\u10dd\u10e0\u10d8\u10e1\u10dd \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 90%-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10e3\u10d9\u10d5\u10d4 \u10d3\u10d8\u10d3\u10ec\u10d8\u10da\u10d0\u10d3 \u10d0\u10e0\u10d8\u10e1 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d8 AI-\u10d6\u10d4 \u10d3\u10d0 \u10db\u10d0\u10dc\u10e5\u10d0\u10dc\u10d0\u10d7\u10db\u10ea\u10dd\u10d3\u10dc\u10d4\u10dd\u10d1\u10d0\u10d6\u10d4.<\/p>\n<p> \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e4\u10e3\u10da\u10d0\u10d3\u10d8 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8\u10e1, \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10d5\u10d4\u10e1\u10e2\u10d8\u10ea\u10d8\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d8\u10d7\u10d0 \u10d3\u10d0 \u10d3\u10d0\u10db\u10e3\u10e8\u10d0\u10d5\u10d4\u10d1\u10d8\u10d7, AI \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\u10dc\u10e1\u10e2\u10d8\u10e2\u10e3\u10e2\u10d4\u10d1\u10e1, \u10d0\u10d9\u10dd\u10dc\u10e2\u10e0\u10dd\u10da\u10dd\u10dc \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10d3\u10d2\u10dd\u10db\u10d0\u10e0\u10d4\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10dc \u10db\u10d0\u10d7 \u10e3\u10e4\u10e0\u10dd \u10e8\u10d4\u10e1\u10d0\u10d1\u10d0\u10db\u10d8\u10e1\u10d8 \u10d3\u10d0 \u10d8\u10dc\u10d3\u10d8\u10d5\u10d8\u10d3\u10e3\u10d0\u10da\u10e3\u10e0\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8.<\/p>\n<p> \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7, \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10dd\u10dc \u10d9\u10dd\u10d2\u10dc\u10d8\u10e2\u10e3\u10e0\u10d8 \u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10d8\u10d6\u10d0\u10ea\u10d8\u10d0, \u10e9\u10d0\u10e0\u10d7\u10e3\u10da\u10dd\u10d1\u10d0, \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d7\u10d0 \u10d0\u10dc\u10d0\u10da\u10d8\u10d6\u10d8 \u10ed\u10d9\u10d5\u10d8\u10d0\u10dc\u10d8 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e1\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10da\u10d0\u10d3.<\/p>\n<p> <strong>\u10d3\u10d4\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8 (DeFi)<\/strong><\/p>\n<p> \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d8\u10db\u10d8\u10e1\u10d0, \u10e0\u10dd\u10db \u10d3\u10d0\u10d9\u10d0\u10d5\u10e8\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10d9\u10e0\u10d8\u10de\u10e2\u10dd\u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d7\u10d0\u10dc \u10d3\u10d0 \u10d0\u10da\u10e2\u10d4\u10e0\u10dc\u10d0\u10e2\u10d8\u10e3\u10da \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d4\u10d1\u10d7\u10d0\u10dc, \u10d3\u10d4\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10db\u10d6\u10d0\u10e0\u10d3\u10d8 \u10e2\u10d4\u10dc\u10d3\u10d4\u10dc\u10ea\u10d8\u10d0\u10d0.<\/p>\n<p> DeFi \u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8\u10d0 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10d3\u10d4\u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10e3\u10da\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d8\u10d7, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d8\u10e0\u10d4\u10d1\u10e1 \u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10da\u10e3\u10e0\u10d8 \u10ee\u10d4\u10da\u10d8\u10e1\u10e3\u10e4\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea\u10d0\u10d0:<\/p>\n<ul>\n<li>\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8<\/li>\n<li>\u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d2\u10d0\u10ea\u10d5\u10da\u10d4\u10d1\u10d8<\/li>\n<li>\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10d0.\u10e8.<\/li>\n<\/ul>\n<p> DeFi \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u10d7\u10d5\u10d8\u10d7\u10e8\u10d4\u10db\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10d4\u10da \u10ed\u10d9\u10d5\u10d8\u10d0\u10dc \u10d9\u10dd\u10dc\u10e2\u10e0\u10d0\u10e5\u10e2\u10d4\u10d1\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10db\u10d4\u10dc\u10d4\u10ef\u10db\u10d4\u10dc\u10e2\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d3\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10e6\u10d8\u10d0 \u10ec\u10e7\u10d0\u10e0\u10dd, \u10e0\u10d0\u10ea \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10db\u10d4\u10e2 \u10dc\u10d3\u10dd\u10d1\u10d0\u10e1 \u10e3\u10e9\u10d4\u10dc\u10e1. \u10d0\u10ee\u10da\u10d0 \u10d8\u10e1 \u10e3\u10d0\u10d3\u10d5\u10d8\u10da\u10d4\u10d1\u10e1 \u10db\u10e0\u10d0\u10d5\u10d0\u10da \u10d1\u10da\u10dd\u10d9\u10e9\u10d4\u10d8\u10dc\u10e1 \u10d4\u10e0\u10d7\u10db\u10d0\u10dc\u10d4\u10d7\u10d7\u10d0\u10dc \u10e3\u10e0\u10d7\u10d8\u10d4\u10e0\u10d7\u10dd\u10d1\u10d0\u10e1, \u10d0\u10db\u10d0\u10e6\u10da\u10d4\u10d1\u10e1 \u10d9\u10e0\u10d8\u10de\u10e2\u10dd\u10d5\u10d0\u10da\u10e3\u10e2\u10d8\u10e1 \u10d8\u10dc\u10d3\u10e3\u10e1\u10e2\u10e0\u10d8\u10d0\u10e1 \u10d0\u10ee\u10d0\u10da \u10d3\u10dd\u10dc\u10d4\u10d6\u10d4, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e6\u10d8\u10d0\u10d0 \u10e4\u10d0\u10e0\u10d7\u10dd \u10d0\u10e3\u10d3\u10d8\u10e2\u10dd\u10e0\u10d8\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1. \u10d1\u10d0\u10d6\u10d0\u10e0\u10d6\u10d4, \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10e1 \u10e3\u10d0\u10db\u10e0\u10d0\u10d5\u10d8 DeFi \u10d8\u10dc\u10d8\u10ea\u10d8\u10d0\u10e2\u10d8\u10d5\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0, \u10d9\u10dd\u10dc\u10d9\u10e3\u10e0\u10d4\u10dc\u10ea\u10d8\u10d0 \u10d2\u10d0\u10e3\u10ec\u10d8\u10dd\u10e1 \u10ea\u10d4\u10dc\u10e2\u10e0\u10d0\u10da\u10d8\u10d6\u10d4\u10d1\u10e3\u10da \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10e1.<\/p>\n<p> <strong>\u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8<\/strong><\/p>\n<p> Statista-\u10e1 \u10d7\u10d0\u10dc\u10d0\u10ee\u10db\u10d0\u10d3, 2025 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10de\u10da\u10d0\u10dc\u10d4\u10e2\u10d0\u10d6\u10d4 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d6\u10d4 8,4 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3\u10d8\u10d7 \u10db\u10d4\u10e2\u10d8 \u10ee\u10db\u10d8\u10e1 \u10d0\u10e1\u10d8\u10e1\u10e2\u10d4\u10dc\u10e2\u10d8 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0. \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10db\u10d4\u10dc\u10d4\u10ef\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10db\u10d0\u10d7\u10d8 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d8\u10e0\u10d4\u10d1\u10d8\u10d7, \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8 \u10d8\u10db\u10d4\u10d3\u10dd\u10d5\u10dc\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db \u10d2\u10d0\u10d6\u10e0\u10d3\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d0\u10e1\u10d8\u10e1\u10e2\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0\u10e1.<\/p>\n<p> \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8 \u10e1\u10d0\u10d8\u10db\u10d4\u10d3\u10dd\u10d3 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d1\u10d8\u10dd\u10db\u10d4\u10e2\u10e0\u10d8\u10d8\u10d7. \u10db\u10e4\u10da\u10dd\u10d1\u10d4\u10da\u10e1 \u10e8\u10d4\u10d4\u10eb\u10da\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd\u10e1 \u10dc\u10d8\u10d5\u10d7\u10d4\u10d1\u10d8, \u10e8\u10d4\u10d0\u10db\u10dd\u10ec\u10db\u10dd\u10e1 \u10d1\u10d0\u10da\u10d0\u10dc\u10e1\u10d8 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d1\u10e0\u10eb\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7 \u10d3\u10d0 \u10d0.\u10e8<\/p>\n<p> Capgemini \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10e2\u10e0\u10d0\u10dc\u10e1\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d8\u10dc\u10e1\u10e2\u10d8\u10e2\u10e3\u10e2\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10ee\u10db\u10d0\u10d3, \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 44% \u10d3\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10d4\u10d1\u10e3\u10da\u10d8\u10d0 \u10e1\u10d0\u10d1\u10d0\u10dc\u10d9\u10dd \u10e1\u10d0\u10e5\u10db\u10d8\u10d0\u10dc\u10dd\u10d1\u10d8\u10d7 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc\u10d8 \u10d0\u10e1\u10d8\u10e1\u10e2\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7. Capital One Corporation \u10da\u10d8\u10d3\u10d4\u10e0\u10d8\u10d0 \u10ee\u10db\u10dd\u10d5\u10d0\u10dc \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10e8\u10d8 \u10d3\u10d0 \u10d3\u10d8\u10d3\u10d8 \u10ee\u10d0\u10dc\u10d8\u10d0 \u10ec\u10d0\u10e0\u10d0\u10d3\u10d2\u10d8\u10dc\u10d0 Amazon Alexa, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10d7 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d8\u10eb\u10da\u10d4\u10d5\u10d0.<\/p>\n<p> <strong>\u10d2\u10d4\u10db\u10d8\u10e4\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0<\/strong><\/p>\n<p> \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10d9\u10dd\u10db\u10d4\u10e0\u10ea\u10d8\u10e3\u10da \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10e8\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10d2\u10d0\u10db\u10dd\u10ea\u10d3\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e1\u10d0\u10e3\u10db\u10ef\u10dd\u10d1\u10d4\u10e1\u10d4\u10d1\u10da\u10d0\u10d3 \u10ea\u10dc\u10dd\u10d1\u10d8\u10da\u10d8\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d2\u10d4\u10db\u10d8\u10e4\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0. \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d4\u10d1\u10db\u10d0 \u10d2\u10d0\u10d6\u10d0\u10e0\u10d3\u10d4\u10e1 \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10d0\u10da\u10d8, \u10d1\u10e0\u10d4\u10dc\u10d3\u10d8\u10e1 \u10da\u10dd\u10d8\u10d0\u10da\u10dd\u10d1\u10d0, \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10da\u10dd\u10d8\u10d0\u10da\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10db\u10e0\u10d0\u10d5\u10d0\u10da\u10d8 \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d0\u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd \u10e8\u10d4\u10d3\u10d4\u10d2\u10d8 \u10d2\u10d4\u10db\u10d8\u10e4\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7. \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10e3\u10e4\u10e0\u10dd \u10e4\u10e0\u10d7\u10ee\u10d8\u10da\u10d4\u10d1\u10d8 \u10d2\u10d0\u10ee\u10d3\u10dc\u10d4\u10dc \u10d8\u10db\u10d8\u10e1 \u10db\u10d8\u10db\u10d0\u10e0\u10d7, \u10d7\u10e3 \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10e1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10d8\u10e1\u10d8\u10dc\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d0\u10d3 \u10db\u10d8\u10d4\u10e9\u10d5\u10d8\u10d5\u10dc\u10d4\u10dc \u10db\u10d0\u10e1\u10e8\u10d8 \u10e9\u10d0\u10e0\u10d7\u10d5\u10d0\u10e1.<\/p>\n<p> \u10d2\u10d4\u10db\u10d8\u10e4\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d1\u10d0\u10d6\u10d0\u10e0\u10d8 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10dc\u10d0\u10d3 \u10d2\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10d0 \u10d1\u10dd\u10da\u10dd \u10ee\u10e3\u10d7\u10d8 \u10ec\u10da\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8. 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