{"id":42547,"date":"2026-02-03T18:23:51","date_gmt":"2026-02-03T14:23:51","guid":{"rendered":"https:\/\/bankofgeorgia.ge\/blog\/?p=42547"},"modified":"2026-02-04T19:07:59","modified_gmt":"2026-02-04T15:07:59","slug":"didi-miznebi-patara-nabijebit-scoolapp-is-akhali-kulaba","status":"publish","type":"post","link":"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/ganatleba-moswavleebistvis\/didi-miznebi-patara-nabijebit-scoolapp-is-akhali-kulaba\/","title":{"rendered":"\u10d3\u10d8\u10d3\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10de\u10d0\u10e2\u10d0\u10e0\u10d0 \u10dc\u10d0\u10d1\u10d8\u10ef\u10d4\u10d1\u10d8\u10d7: sCoolApp-\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0"},"content":{"rendered":"\n<p>\u10d7\u10e3 \u10d2\u10d8\u10dc\u10d3\u10d0, \u10e0\u10dd\u10db \u10e8\u10d5\u10d8\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0 \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10dd \u10d3\u10d0 \u10d7\u10d0\u10dc \u10d4\u10e1 \u10d8\u10e1\u10d4 \u10d2\u10d0\u10d0\u10d9\u10d4\u10d7\u10dd, \u10e0\u10dd\u10db \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10e1\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10dd \u10d8\u10e7\u10dd\u10e1,<strong> <\/strong><a href=\"https:\/\/bankofgeorgia.ge\/ka\/sCoolApp?utm_source=blog&amp;utm_medium=text&amp;utm_campaign=ythscl_acq_dig_42547\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><span style=\"color: #ff600a;\" class=\"stk-highlight\">sCoolApp<\/span><\/strong><\/a>-\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10dd\u10ed\u10d8-\u10e7\u10e3\u10da\u10d0\u10d1\u10d0 \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10d0\u10db\u10d0\u10e8\u10d8 \u10d3\u10d0\u10d2\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p>\u10d7\u10e3 \u10e8\u10d4\u10dc\u10d8 \u10e8\u10d5\u10d8\u10da\u10d8 \u10e1\u10d9\u10dd\u10da\u10d8\u10e1 \u10d0\u10e1\u10d0\u10d9\u10e8\u10d8\u10d0, sCoolApp-\u10e8\u10d8 \u10db\u10d0\u10e1 \u10e3\u10d9\u10d5\u10d4 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 <strong>\u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10d3\u10d0\u10d0\u10db\u10d0\u10e2\u10dd\u10e1<\/strong> \u10d3\u10d0 \u10e0\u10d4\u10d0\u10da\u10e3\u10e0 \u10d3\u10e0\u10dd\u10e8\u10d8 \u10d0\u10d3\u10d4\u10d5\u10dc\u10dd\u10e1 \u10d7\u10d5\u10d0\u10da\u10d8 \u10de\u10e0\u10dd\u10d2\u10e0\u10d4\u10e1\u10e1. \u10d4\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10e8\u10d4\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d0\u10e1 \u10db\u10d4\u10e5\u10d0\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10d3\u10d0\u10dc \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd \u10d3\u10d0 \u10db\u10dd\u10e2\u10d8\u10d5\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d8\u10db\u10ea\u10d4\u10db \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d0\u10d3 \u10d0\u10e5\u10ea\u10d4\u10d5\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10e0\u10dd\u10d2\u10dd\u10e0 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10e1 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0?<\/strong><\/h2>\n\n\n\n<p>\u10e1\u10e5\u10e3\u10da\u10d0\u10de\u10d8\u10e1 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0 \u10eb\u10d5\u10d4\u10da\u10d8 \u10d9\u10d4\u10e0\u10d0\u10db\u10d8\u10d9\u10e3\u10da\u10d8 \u10d2\u10dd\u10ed\u10d8 \u10e7\u10e3\u10da\u10d0\u10d1\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d8\u10e4\u10e0\u10e3\u10da\u10d8 \u10d3\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10d5\u10d0\u10e0\u10d8\u10d0\u10dc\u10e2\u10d8\u10d0. \u10d4\u10e1 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u10db\u10ee\u10dd\u10da\u10dd\u10d3 \u10e4\u10e3\u10da\u10d8\u10e1 \u10e8\u10d4\u10e1\u10d0\u10dc\u10d0\u10ee\u10d8 \u10d0\u10d3\u10d2\u10d8\u10da\u10d8 &#8211; \u10d4\u10e1 \u10d0\u10e0\u10d8\u10e1 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10dd\u10d6\u10d0\u10e0\u10d3\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d3\u10e6\u10d8\u10e3\u10e0 \u10e9\u10d5\u10d4\u10d5\u10d0\u10d3 \u10e3\u10e5\u10ea\u10d4\u10d5\u10e1 \u10d3\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10dd\u10d1\u10d0\u10e1 \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1.<br><br>\u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d8\u10e1 2 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d2\u10d6\u10d0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10e1:<br><br><strong>\u10e8\u10d4\u10e3\u10db\u10e9\u10dc\u10d4\u10d5\u10d4\u10da\u10d8 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0 (\u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d0)<\/strong> &#8211; \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d0\u10e8\u10d8&nbsp; \u10e3\u10d7\u10d8\u10d7\u10d4\u10d1\u10e1 \u10db\u10ea\u10d8\u10e0\u10d4 \u10d7\u10d0\u10dc\u10ee\u10d0\u10e1 (25 \u10d7\u10d4\u10d7\u10e0\u10d8\u10d3\u10d0\u10dc 10 \u10da\u10d0\u10e0\u10d0\u10db\u10d3\u10d4), \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10d7 \u10e7\u10dd\u10d5\u10d4\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1\u10d0\u10e1 \u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10d3\u10d8\u10e1 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0\u10e8\u10d8. \u10d3\u10d0\u10dc\u10d0\u10d9\u10da\u10d8\u10e1\u10d8 \u10e8\u10d4\u10e3\u10db\u10e9\u10dc\u10d4\u10d5\u10d4\u10da\u10d8\u10d0, \u10d7\u10d0\u10dc\u10ee\u10d0 \u10d9\u10d8 \u10e1\u10e2\u10d0\u10d1\u10d8\u10da\u10e3\u10e0\u10d0\u10d3 \u10d2\u10e0\u10dd\u10d5\u10d3\u10d4\u10d1\u10d0.<\/p>\n\n\n\n<p><strong>\u10d4\u10e0\u10d7\u10ef\u10d4\u10e0\u10d0\u10d3\u10d8 \u10e8\u10d4\u10d5\u10e1\u10d4\u10d1\u10d0<\/strong> &#8211; \u10e7\u10e3\u10da\u10d0\u10d1\u10d0\u10e8\u10d8 \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d4\u10e0\u10d7\u10ef\u10d4\u10e0\u10d0\u10d3\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10d5\u10d0\u10ea \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10d3\u10e0\u10dd\u10e1, \u10e0\u10d0\u10ea \u10d8\u10d3\u10d4\u10d0\u10da\u10e3\u10e0\u10d8\u10d0 \u10d3\u10d0\u10d1\u10d0\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d3\u10e6\u10d4\u10d6\u10d4 \u10dc\u10d0\u10e9\u10e3\u10e5\u10d0\u10e0\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d0\u10dc \u10ef\u10d8\u10d1\u10d8\u10e1 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10dc\u10d0\u10ee\u10d0\u10d3.&nbsp;<\/p>\n\n\n\n<p>\u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d9\u10d0\u10e0\u10d2\u10d5\u10d0\u10e1, \u10d2\u10dd\u10ed\u10d8 \u10e7\u10e3\u10da\u10d0\u10d1\u10d8\u10d3\u10d0\u10dc \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10db\u10d7\u10d0\u10d5\u10d0\u10e0 \u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d6\u10d4 \u10d2\u10d0\u10d3\u10db\u10dd\u10e2\u10d0\u10dc\u10d0 \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10d3\u10e0\u10dd\u10e1 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10e5 \u10e9\u10dc\u10d3\u10d4\u10d1\u10d0 \u10de\u10d0\u10e1\u10e3\u10ee\u10d8\u10e1\u10db\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10e1 \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10d8\u10ea: \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10db \u10e3\u10dc\u10d3\u10d0 \u10db\u10d8\u10d8\u10e6\u10dd\u10e1 \u10d2\u10dd\u10dc\u10d8\u10d5\u10e0\u10e3\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d0, \u10d3\u10d0\u10ee\u10d0\u10e0\u10ef\u10dd\u10e1 \u10e4\u10e3\u10da\u10d8 \u10d0\u10ee\u10da\u10d0\u10d5\u10d4, \u10d7\u10e3 \u10d2\u10d0\u10db\u10dd\u10d8\u10e9\u10d8\u10dc\u10dd\u10e1 \u10dc\u10d4\u10d1\u10d8\u10e1\u10e7\u10dd\u10e4\u10d0 \u10d3\u10d0 \u10db\u10d8\u10d6\u10dc\u10d8\u10e1 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d0\u10e1 \u10d3\u10d0\u10d4\u10da\u10dd\u10d3\u10dd\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10e0\u10dd\u10d2\u10dd\u10e0 \u10e8\u10d4\u10d5\u10d0\u10d2\u10e0\u10dd\u10d5\u10dd \u10d7\u10d0\u10dc\u10ee\u10d0 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e7\u10e3\u10e0\u10e1\u10d0\u10e1\u10db\u10d4\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1?<\/strong><\/h2>\n\n\n\n<p>\u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10db\u10d8\u10d6\u10dc\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d3\u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d0 \u10d8\u10db\u10d0\u10d6\u10d4 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8\u10d0, \u10d5\u10d8\u10d3\u10e0\u10d4 \u10d4\u10e0\u10d7\u10d8 \u10e8\u10d4\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 \u10e9\u10d0\u10dc\u10e1. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d7\u10e3 \u10db\u10dd\u10e1\u10ec\u10d0\u10d5\u10da\u10d4\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e7\u10e3\u10e0\u10e1\u10d0\u10e1\u10db\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e7\u10d8\u10d3\u10d5\u10d0 \u10e3\u10dc\u10d3\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea 120 \u10da\u10d0\u10e0\u10d8 \u10e6\u10d8\u10e0\u10e1, \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 sCoolApp-\u10e8\u10d8 \u10d2\u10d0\u10d0\u10d0\u10e5\u10e2\u10d8\u10e3\u10e0\u10dd\u10e1 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10d0 \u10d3\u10d0 \u10e7\u10dd\u10d5\u10d4\u10da \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0\u10d6\u10d4 1 \u10da\u10d0\u10e0\u10d8 \u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10e3\u10e0\u10d0\u10d3 \u10d2\u10d0\u10d3\u10d0\u10e0\u10d8\u10ea\u10ee\u10dd\u10e1 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0\u10e8\u10d8.<\/p>\n\n\n\n<p>\u10d7\u10e3 \u10d8\u10e1 \u10d9\u10d5\u10d8\u10e0\u10d8\u10e1 \u10d2\u10d0\u10dc\u10db\u10d0\u10d5\u10da\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd\u10d3 10 \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d0\u10e1 \u10e8\u10d4\u10d0\u10e1\u10e0\u10e3\u10da\u10d4\u10d1\u10e1 (\u10d8\u10e5\u10dc\u10d4\u10d1\u10d0 \u10d4\u10e1 \u10da\u10d0\u10dc\u10e9\u10d8 \u10e1\u10d9\u10dd\u10da\u10d8\u10e1 \u10d1\u10e3\u10e4\u10d4\u10e2\u10e8\u10d8 \u10d7\u10e3 \u10db\u10d0\u10e6\u10d0\u10d6\u10d8\u10d0), 10 \u10da\u10d0\u10e0\u10d8 \u10e8\u10d4\u10d4\u10dc\u10d0\u10ee\u10d4\u10d1\u10d0 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0\u10e8\u10d8. \u10d0\u10db \u10e2\u10d4\u10db\u10de\u10d8\u10d7 \u10d9\u10d8 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10d7\u10d0\u10dc\u10ee\u10d0\u10e1 3 \u10d7\u10d5\u10d4\u10e8\u10d8 \u10db\u10dd\u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10e1. \u10d4\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10d1\u10d0\u10d5\u10e8\u10d5\u10e1 \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da\u10d8 \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e8\u10d8\u10ea \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0 &#8211; \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u10db\u10d0\u10d7\u10d4\u10db\u10d0\u10e2\u10d8\u10d9\u10d0\u10e1, \u10e0\u10d0\u10d7\u10d0 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d7\u10d5\u10d0\u10da\u10dd\u10e1, \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8 \u10ee\u10d0\u10dc\u10d8 \u10d3\u10d0\u10e1\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0, \u10e0\u10dd\u10db \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10dc\u10d8\u10d5\u10d7\u10d8 \u10d8\u10e7\u10d8\u10d3\u10dd\u10e1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u10e0\u10dd\u10d2\u10dd\u10e0 \u10d2\u10d0\u10d5\u10ee\u10d3\u10d4 \u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10d4\u10d2\u10d6\u10e3\u10e0\u10d8?<\/strong><\/h2>\n\n\n\n<p>sCoolApp \u10d9\u10d0\u10e0\u10d2\u10d8 \u10d3\u10d0\u10db\u10ee\u10db\u10d0\u10e0\u10d4 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d8\u10d0, \u10db\u10d0\u10d2\u10e0\u10d0\u10db \u10db\u10d7\u10d0\u10d5\u10d0\u10e0\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10db\u10e0\u10e9\u10d4\u10d5\u10d4\u10da\u10d8&nbsp; \u10db\u10d0\u10d8\u10dc\u10ea \u10db\u10e8\u10dd\u10d1\u10d4\u10da\u10d8\u10d0. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10e8\u10d4\u10dc \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0, \u10e7\u10dd\u10d5\u10d4\u10da\u10d3\u10e6\u10d8\u10e3\u10e0\u10d8 \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d4\u10d1\u10d8\u10d7 \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10dd \u10e8\u10d5\u10d8\u10da\u10e1 \u10e1\u10e3\u10e0\u10d5\u10d8\u10da\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10e9\u10d4\u10d5\u10d0.<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-style-4\">\n<li><strong>\u10d3\u10d0\u10d4\u10ee\u10db\u10d0\u10e0\u10d4 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8\u10e1 \u10e1\u10ec\u10dd\u10e0\u10d0\u10d3 \u10e8\u10d4\u10e0\u10e9\u10d4\u10d5\u10d0\u10e8\u10d8<\/strong> &#8211; \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d4, \u10e0\u10dd\u10d2\u10dd\u10e0 \u10d2\u10d0\u10dc\u10d0\u10e1\u10ee\u10d5\u10d0\u10dd\u10e1 \u10db\u10dd\u10d9\u10da\u10d4\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8 (\u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3, \u10d5\u10d8\u10d3\u10d4\u10dd\u10d7\u10d0\u10db\u10d0\u10e8\u10d8, \u10d9\u10d8\u10dc\u10dd\u10e1 \u10d1\u10d8\u10da\u10d4\u10d7\u10d8) \u10d3\u10d0 \u10d2\u10e0\u10eb\u10d4\u10da\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8 (\u10d5\u10d4\u10da\u10dd\u10e1\u10d8\u10de\u10d4\u10d3\u10d8, \u10e1\u10db\u10d0\u10e0\u10e2\u10e4\u10dd\u10dc\u10d8) \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8. \u10e0\u10d0\u10ea \u10e3\u10e4\u10e0\u10dd \u10e0\u10d4\u10d0\u10da\u10d8\u10e1\u10e2\u10e3\u10e0\u10d8 \u10d3\u10d0 \u10ee\u10d4\u10da\u10e8\u10d4\u10e1\u10d0\u10ee\u10d4\u10d1\u10d8\u10d0 \u10db\u10d8\u10d6\u10d0\u10dc\u10d8, \u10db\u10d8\u10d7 \u10e3\u10e4\u10e0\u10dd \u10d3\u10d8\u10d3\u10d8\u10d0 \u10db\u10d8\u10e1\u10d8 \u10db\u10d8\u10e6\u10ec\u10d4\u10d5\u10d8\u10e1 \u10db\u10dd\u10e2\u10d8\u10d5\u10d0\u10ea\u10d8\u10d0.<\/li>\n\n\n\n<li><strong>\u10d0\u10e5\u10ea\u10d8\u10d4 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8 \u10e1\u10d0\u10e3\u10d1\u10e0\u10d8\u10e1 \u10d7\u10d4\u10db\u10d0\u10d3<\/strong> &#8211; \u10dc\u10e3 \u10db\u10dd\u10d4\u10e0\u10d8\u10d3\u10d4\u10d1\u10d8 \u10e4\u10e3\u10da\u10d6\u10d4 \u10da\u10d0\u10de\u10d0\u10e0\u10d0\u10d9\u10e1. \u10d0\u10e3\u10ee\u10e1\u10d4\u10dc\u10d8 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d4\u10dc\u10d8\u10d7, \u10e0\u10d0 \u10d0\u10e0\u10d8\u10e1 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8 \u10d3\u10d0 \u10e0\u10d0\u10e2\u10dd\u10db \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10d3\u10d0\u10d2\u10d4\u10d2\u10db\u10d5\u10d0. \u10e9\u10d5\u10d4\u10dc\u10d8 \u10d1\u10da\u10dd\u10d2\u10d8\u10d3\u10d0\u10dc <a href=\"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/finansuri-ganatleba\/rodis-da-rogor-vascavlot-bavshvebs-fulis-scorad-martva\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"color: #ff600a;\" class=\"stk-highlight\">\u10e0\u10dd\u10d2\u10dd\u10e0 \u10d5\u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10dd\u10d7 \u10d1\u10d0\u10d5\u10e8\u10d5\u10d4\u10d1\u10e1 \u10e4\u10e3\u10da\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0<\/span><\/a> \u10d0\u10db \u10d7\u10d4\u10db\u10d0\u10d6\u10d4 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10e1 \u10d2\u10d0\u10d8\u10d2\u10d4\u10d1.<\/li>\n\n\n\n<li><strong>\u10d2\u10d0\u10d3\u10d0\u10d0\u10e5\u10ea\u10d8\u10d4 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0 \u10d7\u10d0\u10db\u10d0\u10e8\u10d0\u10d3<\/strong> &#8211; \u10d4\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10e3\u10e4\u10e0\u10dd \u10e1\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10dd \u10d2\u10d0\u10ee\u10d3\u10d4\u10d1\u10d0, \u10d7\u10e3 \u10e8\u10d4\u10ef\u10d8\u10d1\u10e0\u10d4\u10d1\u10d0\u10d3 \u10d0\u10e5\u10ea\u10d4\u10d5, \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0 \u10d1\u10dd\u10dc\u10e3\u10e1\u10d8\u10d7\u10d0\u10ea \u10ec\u10d0\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10dd \u10e8\u10d5\u10d8\u10da\u10d8 &#8211; \u10e8\u10d4\u10d7\u10d0\u10dc\u10ee\u10db\u10d3\u10d8\u10d7, \u10e0\u10dd\u10db \u10d7\u10e3 \u10d8\u10e1 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10da\u10d0\u10d3 \u10e8\u10d4\u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10e1 \u10db\u10d8\u10d6\u10dc\u10d8\u10e1 80%-\u10e1, \u10d3\u10d0\u10e0\u10e9\u10d4\u10dc\u10d8\u10da 20%-\u10e1 \u10e8\u10d4\u10dc \u10d3\u10d0\u10e3\u10db\u10d0\u10e2\u10d4\u10d1.<\/li>\n\n\n\n<li><strong>\u10e8\u10d4\u10d0\u10e0\u10e9\u10d8\u10d4 \u10e1\u10d0\u10db\u10d0\u10d2\u10d8\u10d3\u10dd \u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10d8<\/strong> &#8211; \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0 \u10d2\u10d0\u10dc\u10d0\u10d7\u10da\u10d4\u10d1\u10d0\u10d6\u10d4 \u10d2\u10d0\u10d7\u10d5\u10da\u10d8\u10da\u10d8 \u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10d8\u10d7, \u10db\u10dd\u10d6\u10d0\u10e0\u10d3\u10d4\u10d1\u10d8 \u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10dd\u10d1\u10d8\u10d0\u10dc \u10d3\u10d0 \u10d7\u10d0\u10dc \u10e7\u10dd\u10d5\u10d4\u10da\u10d2\u10d5\u10d0\u10e0\u10d8 \u10eb\u10d0\u10da\u10d3\u10d0\u10e2\u10d0\u10dc\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d8\u10eb\u10d4\u10dc\u10d4\u10dc \u10e4\u10e3\u10da\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10e1\u10e2\u10e0\u10d0\u10e2\u10d4\u10d2\u10d8\u10e3\u10da\u10d8 \u10d0\u10d6\u10e0\u10dd\u10d5\u10dc\u10d4\u10d1\u10d8\u10e1 \u10db\u10dc\u10d8\u10e8\u10d5\u10dc\u10d4\u10da\u10dd\u10d5\u10d0\u10dc \u10e3\u10dc\u10d0\u10e0\u10d4\u10d1\u10e1.<\/li>\n<\/ul>\n\n\n\n<p>\u10d0\u10db \u10d1\u10da\u10dd\u10d2\u10e8\u10d8 \u10dc\u10d0\u10ee\u10d0\u10d5 <a href=\"https:\/\/bankofgeorgia.ge\/blog\/ganatleba\/ganatleba-moswavleebistvis\/samagido-tamashebi-romlebic-bavshvebs-biujetirebas-aswavlis\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u10e1\u10d0\u10db\u10d0\u10d2\u10d8\u10d3\u10dd \u10d7\u10d0\u10db\u10d0\u10e8\u10d4\u10d1\u10d8\u10e1 \u10e9\u10d0\u10db\u10dd\u10dc\u10d0\u10d7\u10d5\u10d0\u10da\u10e1<\/a>, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d1\u10d0\u10d5\u10e8\u10d5\u10d4\u10d1\u10e1 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e0\u10d4\u10d1\u10d0\u10e1 \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10d8\u10e1.<\/p>\n\n\n\n<p>\u10e1\u10e5\u10e3\u10da\u10d0\u10de\u10d8 \u10d1\u10d0\u10d5\u10e8\u10d5\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d0\u10e0\u10d8\u10e1 \u10e1\u10d0\u10e3\u10d9\u10d4\u10d7\u10d4\u10e1\u10dd \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10da\u10dd\u10d1\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d3\u10d2\u10d0\u10e1 \u10de\u10d8\u10e0\u10d5\u10d4\u10da\u10d8 \u10d3\u10d0\u10db\u10dd\u10e3\u10d9\u10d8\u10d3\u10d4\u10d1\u10d4\u10da\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10e3\u10e0\u10d8 \u10dc\u10d0\u10d1\u10d8\u10ef\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10db\u10d0\u10e0\u10d7\u10d5\u10d0 \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10e3\u10da, \u10de\u10e0\u10d0\u10e5\u10e2\u10d8\u10d9\u10e3\u10da \u10d3\u10d0 \u10e1\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10dd \u10d7\u10d0\u10d5\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10d5\u10da\u10d0\u10d3 \u10d0\u10e5\u10ea\u10d8\u10dd\u10e1.<\/p>\n\n\n\n<p>\u10d2\u10dd\u10ed\u10d8 \u10e7\u10e3\u10da\u10d0\u10d1\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e4\u10e3\u10dc\u10e5\u10ea\u10d8\u10dd\u10dc\u10d0\u10da\u10d8\u10d7 \u10e1\u10d0\u10e0\u10d2\u10d4\u10d1\u10da\u10dd\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10d2\u10d0\u10dc\u10e3\u10d0\u10ee\u10da\u10d4 \u10e8\u10d5\u10d8\u10da\u10e1 sCoolApp. \u10d7\u10e3 sCoolApp \u10ef\u10d4\u10e0 \u10d0\u10e0 \u10d2\u10d0\u10d3\u10db\u10dd\u10d2\u10d8\u10ec\u10d4\u10e0\u10d8\u10d0, <a href=\"https:\/\/bankofgeorgia.ge\/ka\/sCoolApp\" target=\"_blank\" rel=\"noreferrer noopener\">\u10d2\u10d0\u10d3\u10d0\u10d3\u10d8 \u10d1\u10db\u10e3\u10da\u10d6\u10d4,<\/a> \u10d2\u10d0\u10d4\u10ea\u10d0\u10dc\u10d8 \u10d3\u10d4\u10e2\u10d0\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0 \u10db\u10d8\u10f0\u10e7\u10d4\u10d5\u10d8 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10e5\u10ea\u10d8\u10d0\u10e1.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-74b5fcd\" data-block-id=\"74b5fcd\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-a00234f\" data-block-id=\"a00234f\"><style>.stk-a00234f .stk-button{background:#ff6900 !important;border-top-left-radius:8px !important;border-top-right-radius:8px !important;border-bottom-right-radius:8px !important;border-bottom-left-radius:8px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/bankofgeorgia.ge\/ka\/retail\/mostsavlis-barati\/scool-card-application?utm_source=blog&amp;utm_medium=button&amp;utm_campaign=ythscl_card_gen_pattern\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">sCool card-\u10d8\u10e1 \u10e8\u10d4\u10d9\u10d5\u10d4\u10d7\u10d0<\/span><\/a><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"\u10d7\u10e3 \u10d2\u10d8\u10dc\u10d3\u10d0, \u10e0\u10dd\u10db \u10e8\u10d5\u10d8\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10d5\u10d0 \u10d0\u10e1\u10ec\u10d0\u10d5\u10da\u10dd \u10d3\u10d0 \u10d7\u10d0\u10dc \u10d4\u10e1 \u10d8\u10e1\u10d4 \u10d2\u10d0\u10d0\u10d9\u10d4\u10d7\u10dd, \u10e0\u10dd\u10db \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8 \u10e1\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10dd \u10d8\u10e7\u10dd\u10e1, sCoolApp-\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d0\u10ee\u10da\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10dd\u10ed\u10d8-\u10e7\u10e3\u10da\u10d0\u10d1\u10d0 \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10d0\u10db\u10d0\u10e8\u10d8 \u10d3\u10d0\u10d2\u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0. \u10d7\u10e3 \u10e8\u10d4\u10dc\u10d8 \u10e8\u10d5\u10d8\u10da\u10d8 \u10e1\u10d9\u10dd\u10da\u10d8\u10e1 \u10d0\u10e1\u10d0\u10d9\u10e8\u10d8\u10d0, sCoolApp-\u10e8\u10d8 \u10db\u10d0\u10e1 \u10e3\u10d9\u10d5\u10d4 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10d9\u10dd\u10dc\u10d9\u10e0\u10d4\u10e2\u10e3\u10da\u10d8 \u10db\u10d8\u10d6\u10dc\u10d4\u10d1\u10d8 \u10d3\u10d0\u10d0\u10db\u10d0\u10e2\u10dd\u10e1 \u10d3\u10d0 \u10e0\u10d4\u10d0\u10da\u10e3\u10e0 \u10d3\u10e0\u10dd\u10e8\u10d8 \u10d0\u10d3\u10d4\u10d5\u10dc\u10dd\u10e1 \u10d7\u10d5\u10d0\u10da\u10d8 \u10de\u10e0\u10dd\u10d2\u10e0\u10d4\u10e1\u10e1. \u10d4\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d0 \u10e4\u10e3\u10da\u10d8\u10e1 \u10e8\u10d4\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d0\u10e1 \u10db\u10d4\u10e5\u10d0\u10dc\u10d8\u10d9\u10e3\u10e0\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8\u10d3\u10d0\u10dc \u10e1\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10dd \u10d3\u10d0 \u10db\u10dd\u10e2\u10d8\u10d5\u10d0\u10ea\u10d8\u10d8\u10e1 \u10db\u10d8\u10db\u10ea\u10d4\u10db \u10d2\u10d0\u10db\u10dd\u10ec\u10d5\u10d4\u10d5\u10d0\u10d3 \u10d0\u10e5\u10ea\u10d4\u10d5\u10e1. \u10e0\u10dd\u10d2\u10dd\u10e0 \u10db\u10e3\u10e8\u10d0\u10dd\u10d1\u10e1 \u10e7\u10e3\u10da\u10d0\u10d1\u10d0? \u10e1\u10e5\u10e3\u10da\u10d0\u10de\u10d8\u10e1","protected":false},"author":7,"featured_media":42549,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1403],"tags":[610,775],"class_list":["post-42547","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ganatleba-moswavleebistvis","tag-mostsavleebi","tag-scoolapp"],"acf":[],"_links":{"self":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/42547","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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/comments?post=42547"}],"version-history":[{"count":7,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/42547\/revisions"}],"predecessor-version":[{"id":42579,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/posts\/42547\/revisions\/42579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media\/42549"}],"wp:attachment":[{"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/media?parent=42547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/categories?post=42547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankofgeorgia.ge\/blog\/wp-json\/wp\/v2\/tags?post=42547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}