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loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-52291\" class=\"size-medium wp-image-52291\" src=\"https:\/\/www.alj.com\/app\/uploads\/2019\/10\/nilufer-gunhan-1000x1278-200x300.jpg\" alt=\"Nil\u00fcfer G\u00fcnhan\" width=\"200\" height=\"300\" \/><p id=\"caption-attachment-52291\" class=\"wp-caption-text\">\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646\u060c \u0631\u0626\u064a\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/p>\n<p>\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644 \u0644\u0644\u062a\u0645\u0648\u064a\u0644<\/p><\/div>\n<p>\u0648\u0628\u062d\u0633\u0628 <a href=\"https:\/\/www.alj.com\/en\/our-people\/nilufer-gunhan\/\">\u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646<\/a>\u060c \u0627\u0644\u0631\u0626\u064a\u0633\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u0629 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height=\"296\" \/>\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0623\u0637\u0644\u0642\u062a \u0634\u0631\u0643\u0629 &#8220;\u0622\u0628\u0644&#8221; \u0623\u0648\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0647\u0627 \u0641\u064a \u0639\u0627\u0645 2019\u060c \u0648\u0647\u064a \u0628\u0637\u0627\u0642\u0629 \u0645\u062f\u0639\u0648\u0645\u0629 \u0643\u0644\u064a\u064b\u0627 \u0645\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u062c\u0648\u0644\u062f \u0645\u0627\u0646 \u0633\u0627\u0643\u0633 (Goldman Sachs)\u060c \u0648\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u063a \u0645\u062d\u0641\u0638\u0629 \u0622\u064a\u0641\u0648\u0646 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p>\n<p>\u0648\u0645\u0646 \u0623\u0647\u0645 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\u0623\u0646 \u0639\u062f\u062f\u064b\u0627 \u0644\u064a\u0633 \u0628\u0642\u0644\u064a\u0644 \u0645\u0646 \u0627\u0644\u0645\u062f\u064a\u0631\u064a\u0646 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a\u064a\u0646 \u0645\u0627 \u064a\u0632\u0627\u0644\u0648\u0646 \u064a\u062c\u0647\u0644\u0648\u0646 \u0627\u0644\u0643\u062b\u064a\u0631 \u0639\u0646 \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629.<\/p>\n<p>\u0648\u0645\u0646 \u0627\u0644\u0645\u062b\u064a\u0631 \u0644\u0644\u062f\u0647\u0634\u0629 \u062d\u0642\u064b\u0627 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u0644\u0641\u064a\u0629 \u0627\u0644\u0631\u062c\u0639\u064a\u0629 \u062a\u062a\u0632\u0627\u0645\u0646 \u0645\u0639 \u0628\u0632\u0648\u063a \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u063a\u064a\u064a\u0631 \u062c\u0630\u0631\u064a \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0643\u0643\u0644.<\/p>\n<p>\u0641\u0644\u062f\u064a\u0646\u0627 \u0645\u062b\u0644\u064b\u0627:<\/p>\n<ul>\n<li><em>\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a (<\/em><em>Artificial intelligence<\/em><em>)\u060c<\/em> \u0627\u0644\u0630\u064a \u064a\u062a\u0645\u062a\u0639 \u0628\u0642\u062f\u0631\u0627\u062a \u062a\u0624\u0647\u0644\u0647 \u0644\u0623\u0646 \u064a\u0643\u0648\u0646 \u0623\u062f\u0627\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062a\u062a\u064a\u062d \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0643\u0627\u0641\u0629 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u062e\u0641\u0636 \u062a\u0643\u0627\u0644\u064a\u0641\u0647\u0627 \u0648\u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061b<\/li>\n<li><em>\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0643\u0645\u064a\u0629 \u0627\u0644\u0647\u062c\u064a\u0646\u0629 (<\/em><em>Hybrid quantum<\/em> <em>computing<\/em><em>)\u060c<\/em> \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u062c\u062f\u064a\u062f\u0629 \u0645\u0646 \u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0627\u0644\u062f\u0642\u0629 \u0641\u064a \u0625\u0646\u062c\u0627\u0632 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a\u061b<\/li>\n<li>\u062a\u0642\u0646\u064a\u0629 &#8220;\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646&#8221; \u0644\u062f\u0641\u062a\u0631 \u0627\u0644\u0623\u0633\u062a\u0627\u0630 \u0627\u0644\u0645\u0648\u0632\u0639 (DLT)\u060c \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u062a\u0628\u0627\u062f\u0644 \u0643\u0645\u064a\u0627\u062a \u0636\u062e\u0645\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0644\u062d\u0638\u064a\u0629 \u0628\u064a\u0646 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062a\u0628\u0627\u064a\u0646\u0629\u060c \u0645\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0625\u062d\u062f\u0627\u062b \u062b\u0648\u0631\u0629 \u0641\u064a \u0643\u0644 \u0646\u0648\u0639 \u0645\u0646 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0645\u062b\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u0635\u0641\u0642\u0627\u062a \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0648\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u0629 \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u062a\u0648\u0631\u064a\u062f\u061b<\/li>\n<li><em>\u0627\u0644\u0648\u0627\u0642\u0639 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a \u0623\u0648 \u0627\u0644\u0645\u0639\u0632\u0632\u060c \u0627\u0644\u0630\u064a<\/em> \u064a\u0633\u0647\u0645 \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062a\u0633\u0647\u064a\u0644 \u0627\u0644\u062f\u0641\u0639 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a\u061b<\/li>\n<li><em>\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621<\/em> (IoT)\u060c \u0627\u0644\u0630\u064a \u064a\u0648\u0641\u0631 \u0643\u0645\u064a\u0629 \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0633\u064a\u0627\u0642\u064a\u0629 \u0627\u0644\u0644\u062d\u0638\u064a\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0642\u0644\u061b<\/li>\n<li><em>\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062e\u0627\u0645\u0633 (<\/em><em>5G<\/em><em>)\u060c<\/em> \u0627\u0644\u062a\u064a \u0633\u0627\u0639\u062f\u062a \u0641\u064a \u0625\u064a\u062c\u0627\u062f \u0628\u064a\u0626\u0629 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0639\u0646 \u0628\u0639\u062f \u0648\u062a\u0646\u0633\u064a\u0642 \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 \u0641\u064a \u062c\u0645\u064a\u0639 \u0642\u0637\u0627\u0639\u0627\u062a \u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621\u061b<\/li>\n<li><em>\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 (<\/em><em>Cloud computing<\/em><em>)\u060c \u0627\u0644\u062a\u064a<\/em> \u062a\u0648\u0641\u0631 \u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a\u0629 \u0647\u0627\u0626\u0644\u0629 \u0648\u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a \u0644\u0644\u062d\u0648\u0627\u0633\u0628\u060c \u0648\u0633\u062a\u0634\u0643\u0644 \u0642\u0631\u064a\u0628\u064b\u0627 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0646\u0635\u0641 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0639\u0644\u0649 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li>\n<\/ul>\n<p>\u0648\u062a\u0624\u0643\u062f \u0646\u064a\u0644\u0648\u0641\u0631 \u062c\u0648\u0646\u0647\u0627\u0646 \u0623\u0646: <em>&#8220;\u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0633\u062a\u0641\u062a\u062d \u0627\u0644\u0623\u0628\u0648\u0627\u0628 \u0623\u0645\u0627\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u0648\u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0627\u0644\u062a\u064a \u0633\u062a\u0639\u0645\u0644 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u062d\u064a\u0627\u062a\u0646\u0627\u060c \u0644\u062a\u062a\u0631\u0643 \u0644\u0646\u0627 \u0627\u0644\u0642\u0644\u064a\u0644 \u062c\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u0623\u0639\u0628\u0627\u0621 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0639\u0644\u0642 \u0627\u0644\u0623\u0645\u0631 \u0628\u0627\u0644\u062a\u0641\u0643\u064a\u0631 \u0623\u0648 \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631 \u0645\u0646 \u062c\u0627\u0646\u0628 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643&#8221;<\/em>.<\/p>\n<p>\u0648\u0644\u0643\u0646 \u064a\u0628\u0642\u0649 \u0623\u0646 \u0646\u062c\u0627\u062d \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0633\u064a\u0638\u0644 \u0645\u0631\u0647\u0648\u0646\u064b\u0627 \u0628\u0645\u062f\u0649 \u0645\u0627 \u062a\u0628\u0630\u0644\u0647 \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629\u060c \u0648\u0641\u0647\u0645 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0623\u0646\u0633\u0628 \u0644\u062a\u0648\u0638\u064a\u0641\u0647\u0627 \u0648\u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 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decoding=\"async\" class=\"alignright size-full wp-image-83078\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Unlocking-Pathways.jpg\" alt=\"ALJ Financial Services Unlocking Pathways\" width=\"2560\" height=\"1337\" \/><\/p>\n<p>\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f\u060c \u064a\u0634\u064a\u0631 \u0627\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0625\u0644\u0649 \u0623\u0646 &#8220;<em> \u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629\u060c \u0648\u0625\u0638\u0647\u0627\u0631 \u0642\u062f\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a 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\u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0623\u062e\u0631\u0649\u060c \u0646\u062c\u062f\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0627\u0644\u062c\u0648\u0644\u064a\u0627 (Algolia)\u060c \u0648\u0647\u064a \u0645\u0646\u0635\u0629 \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0648\u0638\u0627\u0626\u0641 \u0628\u062d\u062b \u0623\u0633\u0631\u0639 \u0648\u0623\u0643\u062b\u0631 \u0633\u0647\u0648\u0644\u0629 \u0644\u0645\u0648\u0627\u0642\u0639\u0647\u0627 \u0639\u0644\u0649 \u0634\u0628\u0643\u0629 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u0646\u062c\u062d\u062a \u0641\u064a \u062c\u0645\u0639 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 184 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a.\u00a0 \u0648\u0627\u0633\u062a\u0637\u0627\u0639 \u0645\u0648\u0642\u0639 (Reputation.com)\u060c \u0627\u0644\u0630\u064a \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0641\u064a \u0645\u0631\u0627\u0642\u0628\u0629 \u0648\u062a\u062d\u0633\u064a\u0646 \u0645\u0643\u0627\u0646\u062a\u0647\u0627 \u0639\u0644\u0649 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0648\u0636\u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0628\u062d\u062b\u060c \u062c\u0630\u0628 \u0645\u0627 \u064a\u0642\u0627\u0631\u0628 117 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a. \u0648\u062d\u0635\u0644 \u0645\u0648\u0642\u0639 &#8220;\u0628\u0648\u062a\u064a\u0641\u0627\u064a&#8221; (Botify)\u060c \u0627\u0644\u0630\u064a \u064a\u0647\u062f\u0641 \u0625\u0644\u0649 \u062d\u0644 \u0645\u0634\u0643\u0644\u0629 \u062a\u062c\u0627\u0647\u0644 \u062c\u0648\u062c\u0644 \u0644\u0646\u062d\u0648 \u0646\u0635\u0641 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0639\u0644\u0649 \u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0648\u064a\u0628 \u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0628\u0642\u064a\u0645\u0629 20 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a\u060c \u0641\u064a\u0645\u0627 \u0646\u062c\u062d &#8220;\u062f\u0627\u0643 \u062f\u0627\u0643 \u062c\u0648&#8221; (DuckDuckGo)\u060c \u0648\u0647\u0648 \u0645\u062d\u0631\u0643 \u0628\u062d\u062b \u064a\u0639\u0637\u064a \u0627\u0644\u0623\u0648\u0644\u0648\u064a\u0629 \u0644\u0644\u062e\u0635\u0648\u0635\u064a\u0629\u060c \u0641\u064a \u062c\u0645\u0639 13 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-83106\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/Digital-Security-300x169.jpg\" alt=\"Digital Security\" width=\"300\" height=\"169\" \/>\u0625\u0630\u0627 \u0643\u0627\u0646\u062a <em>\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629<\/em> \u0643\u0644\u0645\u0629 \u0637\u0646\u0627\u0646\u0629 \u062a\u0633\u062a\u0631\u0639\u064a \u0627\u0644\u0627\u0646\u062a\u0628\u0627\u0647\u060c \u0641\u0627\u0644\u0623\u0645\u0631 \u0633\u064a\u0627\u0646 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0625\u0644\u0649 \u0627\u0628\u0646 \u0639\u0645\u0647\u0627 \u0627\u0644\u0623\u0642\u0631\u0628\u060c <em>\u0627\u0644\u0623\u0645\u0646<\/em>.<\/p>\n<p>\u0648\u0644\u0647\u0630\u0627 \u0623\u0644\u0642\u062a \u0628\u0631\u0627\u064a\u0633 \u0648\u0648\u062a\u0631 \u0647\u0627\u0648\u0633 \u0643\u0648\u0628\u0631\u0632 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a 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\u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0647\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0630\u064a \u064a\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0633\u064a\u0642 (FPE) (\u0648\u0647\u064a \u0628\u0631\u0627\u0645\u062c \u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u064a \u0645\u0639 \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0641\u064a\u062f\u0629 \u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0623\u0639\u0645\u0627\u0644).<\/p>\n<p>\u0623\u0645\u0627 \u0627\u0644\u062e\u0628\u0631 \u0627\u0644\u0623\u0643\u062b\u0631 \u0625\u062b\u0627\u0631\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u0647\u0648 \u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0628\u064a\u0629 \u0644\u0645 \u062a\u062a\u0648\u0642\u0641 \u0639\u0646 \u0636\u062e \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u062a\u0644\u0643 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062d\u062a\u0649 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062c\u0627\u0626\u062d\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\u060c \u0648\u0625\u0646 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0628\u0645\u0639\u062f\u0644 \u0623\u0642\u0644 \u0645\u0646 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629<a href=\"#_ftn12\" name=\"_ftnref12\">[12]<\/a>\u060c \u062d\u064a\u062b \u0634\u0647\u062f \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2020 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0628\u0642\u064a\u0645\u0629 3.8 \u0645\u0644\u064a\u0627\u0631 \u064a\u0648\u0631\u0648 \u0645\u0646 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0641\u064a \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629\u060c \u0645\u0642\u0627\u0628\u0644 5.6 \u0645\u0644\u064a\u0627\u0631 \u064a\u0648\u0631\u0648 \u062e\u0644\u0627\u0644 \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0639\u0627\u0645 2019.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-83071\" src=\"https:\/\/www.alj.com\/app\/uploads\/2021\/01\/ALJ-Financial-Services-Global-Venture.jpg\" alt=\"ALJ Financial Services Global Venture\" width=\"2560\" height=\"2226\" \/><\/p>\n<p>\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0646\u062c\u062d\u062a \u0634\u0631\u0643\u0629 &#8220;\u0633\u0648\u0644\u0627\u0631\u064a\u0633 \u0628\u0646\u0643&#8221; (Solarisbank) \u0627\u0644\u0623\u0644\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0641\u064a \u062c\u0645\u0639 60 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0641\u064a \u062c\u0648\u0644\u0629 \u062a\u0645\u0648\u064a\u0644 \u0648\u0627\u062d\u062f\u0629\u060c \u0648\u0647\u064a \u0645\u0632\u0648\u062f \u0644\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u062a\u0648\u0641\u0631 \u0623\u064a\u0636\u064b\u0627 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0633\u0628\u0642 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062e\u0635\u0645. \u0641\u064a\u0645\u0627 \u062a\u0645\u0643\u0646\u062a \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629 \u0623\u0644\u0645\u0627\u0646\u064a\u0629 \u0623\u062e\u0631\u0649\u060c \u0648\u0647\u064a \u0634\u0631\u0643\u0629 &#8220;\u0641\u0648\u0631\u062a\u064a\u0644&#8221; \u00a0(Forteil GmbH) \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u0629 \u0641\u064a \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u060c \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0645\u0627\u0644\u064a \u0645\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0633\u0627\u0646\u062a\u0627\u0646\u062f\u064a\u0631 (Santander) \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u062d\u0635\u0644\u062a \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629 &#8220;\u0645\u0627\u0646\u064a\u062c\u0627&#8221; (Meniga)\u060c \u0648\u0647\u064a \u0645\u0632\u0648\u062f \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0631\u0642\u0645\u064a\u0629\u060c \u0639\u0644\u0649 \u062a\u0645\u0648\u064a\u0644 \u0628\u0642\u064a\u0645\u0629 8.5 \u0645\u0644\u064a\u0648\u0646 \u064a\u0648\u0631\u0648 \u0645\u0646 \u0628\u0646\u0643 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u0632\u0631\u0627\u0639\u064a (Caixa Central de Cr\u00e9dito Agr\u00edcola M\u00fatuo CRL) \u0627\u0644\u0628\u0631\u062a\u063a\u0627\u0644\u064a\u060c \u00a0\u0648 &#8220;\u064a\u0648\u0646\u064a \u0643\u0631\u064a\u062a\u062f&#8221; (UniCredit) \u0648\u0645\u062c\u0645\u0648\u0639\u0629 &#8220;\u0628\u064a \u0628\u064a \u0633\u064a 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\u0627\u0644\u0645\u062b\u064a\u0631\u0629 \u0627\u0644\u0645\u0634\u062d\u0648\u0646\u0629 \u0628\u0631\u0648\u062d \u0627\u0644\u062a\u0639\u0627\u0648\u0646\u060c \u0633\u064a\u062c\u062f \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0648\u0646\u060c \u0645\u062b\u0644 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644\u060c \u0637\u0631\u0642\u064b\u0627 \u062c\u062f\u064a\u062f\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 <a href=\"https:\/\/www.alj.com\/en\/financial-services\/\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a> \u0648\u062d\u0644\u0648\u0644 <a href=\"https:\/\/aljinsurance.com\/\">\u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/a> <a href=\"https:\/\/www.alj.com\/en\/perspective\/pioneering-risk-insurance-solutions-to-enable-growth\/\">\u0645\u0628\u0627\u0634\u0631\u0629 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href=\"https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T\">https:\/\/www.businessinsider.com\/embedded-finance-expected-to-blur-fintech-lines-by-2030-2020-10?r=US&amp;IR=T<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers\">https:\/\/www.theguardian.com\/technology\/2020\/nov\/27\/new-uk-tech-regulator-to-limit-power-of-google-and-facebook#:~:text=A%20new%20tech%20regulator%20will,a%20fair%20market%20for%20consumers<\/a>.\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html\">https:\/\/www.cnbc.com\/2020\/01\/03\/big-tech-will-push-into-finance-in-2020-while-avoiding-bank-regulation.html<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf\">http:\/\/www3.weforum.org\/docs\/WEF_Forging_New_Pathways_2020.pdf<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/\">https:\/\/news.crunchbase.com\/news\/money-insider-googlelawsuit\/<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/publications\/financial-services-technology-2020-and-beyond-embracing-disruption.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005\">https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/vc-funding-for-fintechs-is-down-but-big-banks-are-quietly-investing-in-startups-60607005<\/a>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["\u0627\u0644\u062e\u062f\u0645\u0627\u062a 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