{"id":31280,"date":"2025-10-15T00:00:00","date_gmt":"2025-10-15T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/%d8%a3%d9%82%d8%b1%d8%a8-%d9%85%d9%85%d8%a7-%d9%86%d8%aa%d8%b5%d9%88%d8%b1-%d9%87%d9%84-%d8%a8%d8%af%d8%a3-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a8\/"},"modified":"2026-03-26T13:39:39","modified_gmt":"2026-03-26T13:39:39","slug":"%d8%a3%d9%82%d8%b1%d8%a8-%d9%85%d9%85%d8%a7-%d9%86%d8%aa%d8%b5%d9%88%d8%b1-%d9%87%d9%84-%d8%a8%d8%af%d8%a3-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a8","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/%d8%a3%d9%82%d8%b1%d8%a8-%d9%85%d9%85%d8%a7-%d9%86%d8%aa%d8%b5%d9%88%d8%b1-%d9%87%d9%84-%d8%a8%d8%af%d8%a3-%d9%85%d8%b3%d8%aa%d9%82%d8%a8%d9%84-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a8\/","title":{"rendered":"\u0623\u0642\u0631\u0628 \u0645\u0645\u0627 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href=\"https:\/\/www.centralbank.ae\/media\/mdupathy\/cbuae-launches-a-financial-infrastructure-transformation-programme-to-accelerate-the-digital-transformation-of-the-financial-services-sector-en.pdf\">\u00a0\u0628\u0631\u0646\u0627\u0645\u062c \u062a\u062d\u0648\u0644 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0627\u0645\u0627\u0631\u0627\u062a <\/a>\u0648 <a href=\"https:\/\/openbanking.sa\/index-en.html\">\u00a0\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 <\/a>\u00a0.<\/p>\n<p>\u0648 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 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\u0646\u0645\u0627\u0630\u062c \u0623\u0639\u0645\u0627\u0644\u0647\u0645. \u0644\u0630\u0627\u060c \u064a\u064f\u0639\u062f\u0651 \u0627\u0644\u062a\u062d\u0636\u064a\u0631 \u0623\u0645\u0631\u064b\u0627 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-123935\" src=\"https:\/\/media.alj.com\/app\/uploads\/2025\/10\/Senior-leaders-offering-or-considering-embedded-finance_001-scaled.jpg\" alt=\"\" width=\"2560\" height=\"1838\" \/><\/p>\n<p>\u0641\u064a \u0639\u0627\u0644\u0645\u064d \u064a\u062b\u0645\u0646 \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0630\u064a \u0628\u0627\u062a \u064a\u0646\u0637\u0644\u0642 \u0643\u0627\u0644\u0633\u0647\u0645\u060c \u062a\u0635\u0628\u062d \u0627\u0644\u0633\u0647\u0648\u0644\u0629 \u0648\u0627\u0644\u0631\u0627\u062d\u0629 \u0627\u0644\u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u062d\u0627\u0643\u0645. \u0648\u0645\u0646 \u0647\u0630\u0627 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\u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0648\u062a\u0645\u062a\u062f \u0645\u0646 \u0627\u0644\u062a\u0646\u0642\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0639\u0644\u064a\u0645. \u0648\u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0641\u064a\u0631 \u0642\u062f\u0631 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0644\u0644\u0623\u0641\u0631\u0627\u062f\u060c \u0648\u0625\u062a\u0627\u062d\u0629 \u0622\u0641\u0627\u0642\u0627\u064b \u062c\u062f\u064a\u062f\u0629\u064b \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0644\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u064a\u062a\u062c\u0644\u0649 \u0645\u0627 \u064a\u064f\u0645\u0643\u0646 \u062a\u062d\u0642\u064a\u0642\u0647 \u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0645 \u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0639\u0646\u0627\u0646 \u0644\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u064a\u062a\u0644\u0627\u0642\u0649 \u0639\u0627\u0644\u0645\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n","protected":false},"featured_media":31275,"menu_order":0,"template":"","class_list":["post-31280","perspectives","type-perspectives","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0623\u0642\u0631\u0628 \u0645\u0645\u0627 \u0646\u062a\u0635\u0648\u0631 ... \u0647\u0644 \u0628\u062f\u0623 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0641\u0639\u0644\u061f - Abdul Latif Jameel<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta 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property=\"og:url\" content=\"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/\u0623\u0642\u0631\u0628-\u0645\u0645\u0627-\u0646\u062a\u0635\u0648\u0631-\u0647\u0644-\u0628\u062f\u0623-\u0645\u0633\u062a\u0642\u0628\u0644-\u0627\u0644\u062a\u0645\u0648\u064a\u0644-\u0628\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T13:39:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2025\/11\/2464812775-scaled-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta 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href=\"https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html\">https:\/\/www.pwc.com\/gx\/en\/issues\/technology\/tech-translated-embedded-finance.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a>\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion\">https:\/\/fintech-alliance.com\/news-insights\/article\/astra-tech-s-quantix-secures-500-million-for-regional-expansion<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> \u00a0<a href=\"https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift\">https:\/\/www.hsbc.com\/news-and-views\/news\/media-releases\/2023\/hsbc-announces-plans-for-new-joint-venture-with-tradeshift<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/\">https:\/\/thefintechtimes.com\/are-traditional-banks-keeping-up-with-embedded-finance-or-are-they-falling-behind\/<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> \u00a0<a href=\"https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map\">https:\/\/www.mingzulu.com\/post\/embedded-finance-2024-mena-market-map<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/\">https:\/\/fintechnews.africa\/43597\/fintechafrica\/mena-companies-embrace-embedded-finance\/<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html\">https:\/\/www.stc.com.sa\/content\/stc\/sa\/en\/personal\/devices\/purchasing-services\/Tamara.html<\/a>\r\n\r\n<a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market\">https:\/\/www.researchandmarkets.com\/report\/united-arab-emirates-embedded-finance-market<\/a>\r\n\r\n<a href=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> <a href=\"https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/\">https:\/\/fintechnews.ae\/24289\/fintechdubai\/careem-pay-expands-remittance-service-to-18-more-european-countries\/<\/a>\r\n\r\n<a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> <a href=\"https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai\">https:\/\/kf.gov.ae\/en\/news\/new-phase-of-the-young-investor-program-targets-50-schools-and-more-than-75-000-students-across-dubai<\/a>\r\n\r\n<a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/\">https:\/\/www.weforum.org\/stories\/2025\/04\/embedded-finance-disruptive-force-financial-institutions\/<\/a>\r\n\r\n<a href=\"#_ftnref17\" name=\"_ftn17\">[17]<\/a> https:\/\/www.pathward.com\/news\/how-embedded-finance-is-transforming-the-world-of-consumer-banki"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["\u0627\u0644\u0637\u0627\u0642\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0628\u064a\u0626\u064a\u0629"],"_content_series":["field_66fe3c439f8f6"],"content_series":[""],"_old_post_id":["field_66fe3fd59f8f7"],"old_post_id":["123944"],"_short_title":["field_60925d67125ef"],"short_title":["\u0623\u0642\u0631\u0628 \u0645\u0645\u0627 \u0646\u062a\u0635\u0648\u0631 ... \u0647\u0644 \u0628\u062f\u0623 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u0627\u0644\u0641\u0639\u0644\u061f"],"_summary":["field_6019304103a20"],"summary":["<p>\u0647\u0644 \u062a\u0639\u0644\u0645 \u0623\u0646 \u0644\u062f\u064a\u0643 \u062e\u0628\u0631\u0627\u062a \u0628\u0639\u0627\u0644\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u064f\u062f\u0645\u062c ... 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