{"id":31334,"date":"2025-11-05T00:00:00","date_gmt":"2025-11-05T00:00:00","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/%d9%87%d9%84-%d8%a8%d9%88%d8%b3%d8%b9-%d8%a7%d9%84%d8%aa%d9%83%d9%86%d9%88%d9%84%d9%88%d8%ac%d9%8a%d8%a7-%d8%a3%d9%86-%d8%aa%d8%b9%d8%b2%d9%91%d8%b2-%d8%a7%d9%84%d8%b4%d9%85%d9%88%d9%84-%d8%a7%d9%84\/"},"modified":"2026-03-26T13:38:54","modified_gmt":"2026-03-26T13:38:54","slug":"can-tech-strengthen-financial-inclusion","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/can-tech-strengthen-financial-inclusion\/","title":{"rendered":"\u0647\u0644 \u0628\u0648\u0633\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0623\u0646 \u062a\u0639\u0632\u0651\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f"},"content":{"rendered":"<p>\u062a\u062e\u064a\u0651\u0644 \u0623\u0646 \u062a\u064f\u062d\u0631\u064e\u0645 \u0645\u0646 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\u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629<\/a> \u2013 \u0645\u0646 \u0641\u064a\u0636\u0627\u0646\u0627\u062a\u064d \u0648<a href=\"https:\/\/alj.com\/en\/perspective\/dealing-with-drought\/\">\u062c\u0641\u0627\u0641\u064d<\/a> \u0648<a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/wildfires-and-climate-change-todays-burning-issue\/\">\u0645\u0648\u062c\u0627\u062a \u062d\u0631\u0651<\/a> \u2013 \u0645\u0633\u0627\u0631 \u0646\u0645\u0648\u0647\u0627 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a. \u0648\u0644\u0630\u0627\u060c \u0641\u0625\u0646 <a href=\"https:\/\/alj.com\/en\/energy-and-environmental-services\/energy-overview\/\">\u0627\u0644\u0637\u0627\u0642\u0629 \u0627\u0644\u062e\u0636\u0631\u0627\u0621<\/a>\u060c \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0645\u0642\u0627\u0648\u0645\u0629 \u0644\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0646\u0627\u062e\u060c 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\u0627\u0644\u062a\u064a \u062a\u0633\u0647\u0645 \u0641\u064a \u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u0627\u0644 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u0644\u062c\u0645\u064a\u0639 \u062f\u0648\u0646 \u0627\u0633\u062a\u062b\u0646\u0627\u0621.<\/p>\n<p>\u0641\u0642\u062f \u0623\u0638\u0647\u0631\u062a \u0627\u0644\u0623\u0628\u062d\u0627\u062b \u0623\u0646\u0647 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0639\u0634\u0631 \u0627\u0644\u0645\u0627\u0636\u064a\u0629\u060c \u062a\u0645\u0643\u0651\u0646\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u2013 \u0628\u0623\u0634\u0643\u0627\u0644\u0647\u0627 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u2013 \u0645\u0646 \u062a\u0645\u0643\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 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\u0641\u0639\u0651\u0627\u0644 \u0648\u0645\u0633\u062a\u062f\u0627\u0645. \u0641\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u0638\u0647\u0631\u062a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 (RegTech) \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0627\u0634\u0631\u0627\u0641\u064a\u0629 (SupTech) \u0644\u062a\u0633\u0627\u0639\u062f \u0641\u064a \u0625\u0636\u0641\u0627\u0621 \u0627\u0644\u0637\u0627\u0628\u0639 \u0627\u0644\u0631\u0633\u0645\u064a \u0639\u0644\u0649 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u0646\u0635\u0651\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629. \u062a\u0639\u062a\u0645\u062f &#8220;\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 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\u0645\u0627 \u064a\u062a\u064a\u062d \u0625\u0634\u0631\u0627\u0641\u0627\u064b \u0641\u0648\u0631\u064a\u0627\u064b \u0648\u0634\u0641\u0627\u0641\u0627\u064b \u064a\u064f\u0639\u0632\u0651\u0632 \u0627\u0644\u062b\u0642\u0629 \u0628\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u064a\u062f\u0641\u0639 \u0646\u062d\u0648 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0627\u0644\u0645\u064a\u0627\u064b.<\/p>\n<p>\u0648\u0641\u064a \u0645\u0648\u0627\u0632\u0627\u0629 \u0630\u0644\u0643\u060c \u062a\u0646\u062a\u0634\u0631 \u0628\u0633\u0631\u0639\u0629 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0645\u062c (Embedded Finance), \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0623\u0648 \u0627\u0644\u0642\u0631\u0648\u0636 \u0639\u0628\u0631 \u0645\u0648\u0627\u0642\u0639 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u063a\u064a\u0631 \u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0644\u062a\u0648\u0641\u0651\u0631 \u0644\u0623\u064a \u0634\u062e\u0635 \u064a\u0645\u0644\u0643 \u0627\u062a\u0635\u0627\u0644\u0627\u064b \u0628\u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0633\u0631\u0639 \u0648\u0623\u0643\u062b\u0631 \u0645\u0631\u0648\u0646\u0629 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0623\u0643\u062b\u0631 \u0627\u0646\u0641\u062a\u0627\u062d\u0627\u064b \u0648\u0634\u0645\u0648\u0644\u0627\u064b \u0645\u0646 \u0623\u064a \u0648\u0642\u062a \u0645\u0636\u0649.<\/p>\n<p>\u0643\u0645\u0627 \u062a\u064f\u0633\u0647\u0645 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\u0648\u0642\u062f \u0623\u0635\u0628\u062d\u062a \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0645\u062a\u0627\u062d\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0628\u0645\u062e\u062a\u0644\u0641 \u0634\u0631\u0627\u0626\u062d\u0647\u0645\u060c \u0648\u062a\u0634\u0645\u0644 \u062c\u0645\u064a\u0639 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u2014 \u0633\u0648\u0627\u0621 \u0628\u064a\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0623\u0648 \u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u2014 \u0645\u062d\u0644\u064a\u0627\u064b \u0623\u0648 \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f. \u0648\u0642\u062f \u0633\u0627\u0639\u062f\u062a \u0627\u0644\u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0645\u062b\u0644 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u0637\u0648\u064a\u0631 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\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0639\u062f\u0627\u0644\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629.<\/p>\n<p>\u0648\u064a\u0642\u0648\u0644 <a href=\"https:\/\/alj.com\/en\/our-people\/jaroslav-gaisler\/\">\u064a\u0627\u0631\u0648\u0633\u0644\u0627\u0641 \u062c\u064a\u0632\u0644\u0631<\/a>\u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644:<\/p>\n<div id=\"attachment_102300\" style=\"width: 242px\" class=\"wp-caption alignright\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-102300\" class=\"wp-image-102300 size-medium\" src=\"https:\/\/media.alj.com\/app\/uploads\/2022\/09\/Gaisler_Jaroslav_Web-232x300.jpg\" alt=\"Jaroslav Gaisler\" width=\"232\" height=\"300\" \/><p id=\"caption-attachment-102300\" class=\"wp-caption-text\">\u064a\u0627\u0631\u0648\u0633\u0644\u0627\u0641 \u062c\u064a\u0632\u0644\u0631 \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/p><\/div>\n<p><em>&#8220;\u0642\u062f \u062a\u0643\u0648\u0646 \u062b\u0645\u0627\u0631 \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0648\u0651\u0644 \u0639\u0645\u064a\u0642\u0629 \u0627\u0644\u0623\u062b\u0631 \u0648\u062f\u0627\u0626\u0645\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644. \u0625\u0646 \u062f\u0645\u062c \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0642\u062f \u0623\u0637\u0644\u0642 \u0627\u0644\u0639\u0646\u0627\u0646 \u0644\u0623\u0641\u0643\u0627\u0631 \u0648\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u0628\u062f\u0639\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u0638\u0644\u0651\u062a \u0623\u0633\u0648\u0627\u0642\u0647\u0645 \u0645\u0647\u0645\u0651\u0634\u0629 \u0637\u0648\u064a\u0644\u0627\u064b \u0641\u064a \u0638\u0644 \u0647\u064a\u0645\u0646\u0629 \u0627\u0642\u062a\u0635\u0627\u062f\u0627\u062a<\/em><em> \u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0651\u0645\u0627\u064b \u0648\u0646\u0636\u062c\u0627\u064b.<\/em><\/p>\n<p>\u0648\u0623\u0636\u0627\u0641:<\/p>\n<p>&#8220;<em>\u0648\u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641\u060c \u0633\u0646\u0643\u0648\u0646 \u062c\u0645\u064a\u0639\u0627\u064b \u0645\u0646 \u0627\u0644\u0631\u0627\u0628\u062d\u064a\u0646 \u0641\u064a \u0639\u0627\u0644\u0645 \u064a\u0633\u0648\u062f\u0647 \u0627\u0644\u0627\u0632\u062f\u0647\u0627\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0648\u0627\u0644\u0641\u0631\u0635 \u0627\u0644\u0645\u062a\u0643\u0627\u0641\u0626\u0629<\/em>.&#8221;<\/p>\n<h2>\u062d\u0642\u0627\u0626\u0642 \u0633\u0631\u064a\u0639\u0629: \u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0639\u0644\u0649 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a<\/h2>\n<p><strong>\u0633: \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0630\u064a\u0646 \u064a\u0641\u062a\u0642\u0631\u0648\u0646 \u0625\u0644\u0649 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0633\u0627\u0633\u064a\u0629\u061f<\/strong><\/p>\n<p>\u062c: \u0646\u062d\u0648 1.4 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u2013 \u0623\u064a \u0645\u0627 \u064a\u0639\u0627\u062f\u0644 \u0631\u0628\u0639 \u0633\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u2013 \u0644\u0627 \u064a\u0645\u0644\u0643\u0648\u0646 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0644\u0627 \u062d\u062a\u0649 \u0628\u062f\u0627\u0626\u0644 \u0645\u0646\u0627\u0633\u0628\u0629 \u0645\u062b\u0644 \u0627\u0644\u062c\u0645\u0639\u064a\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0648\u0646\u064a\u0629 \u0644\u0644\u0627\u062f\u062e\u0627\u0631 \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0623\u0648 \u0627\u0644\u0627\u062a\u062d\u0627\u062f\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629.<\/p>\n<p><strong>\u0633: \u0643\u064a\u0641 \u063a\u064a\u0651\u0631 \u0627\u0646\u062a\u0634\u0627\u0631 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/p>\n<p>\u062c: \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2023\u060c \u0628\u0644\u063a \u0639\u062f\u062f \u0645\u0627\u0644\u0643\u064a \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 4.3 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0634\u062e\u0635 (\u0623\u0643\u062b\u0631 \u0645\u0646 \u0646\u0635\u0641 \u0633\u0643\u0627\u0646 \u0627\u0644\u0639\u0627\u0644\u0645)\u060c \u0648\u0633\u0627\u0647\u0645\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Fintech) \u0641\u064a \u062a\u0645\u0643\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0644\u0645 \u062a\u0643\u0646 \u0644\u062f\u064a\u0647\u0645 \u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0633\u0627\u0628\u0642\u0627\u064b \u0645\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0627\u0636\u064a.<\/p>\n<p><strong>\u0633: \u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u0646\u0627\u0637\u0642 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0623\u062b\u0631\u0627\u064b \u0628\u0627\u0644\u0625\u0642\u0635\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/p>\n<p>\u062c: \u064a\u0639\u064a\u0634 \u0646\u062d\u0648 80% \u0645\u0646 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u0627\u0644\u0645\u062d\u0631\u0648\u0645\u064a\u0646 \u0645\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u062e\u0635\u0648\u0635\u0627\u064b \u0641\u064a \u0625\u0641\u0631\u064a\u0642\u064a\u0627 \u062c\u0646\u0648\u0628 \u0627\u0644\u0635\u062d\u0631\u0627\u0621 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0622\u0633\u064a\u0627\u060c \u0648\u0647\u0645\u0627 \u0645\u0646\u0637\u0642\u062a\u0627\u0646 \u062a\u0648\u0627\u062c\u0647\u0627\u0646 \u0623\u064a\u0636\u0627\u064b \u062a\u062d\u062f\u064a\u0627\u062a \u0643\u0628\u0631\u0649 \u062a\u062a\u0639\u0644\u0642 \u0628\u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0646\u0627\u062e.<\/p>\n<p><strong>\u0633: \u0645\u0627 \u0645\u062f\u0649 \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u062d\u0631\u0632 \u0641\u064a \u062e\u0641\u0636 \u0639\u062f\u062f \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0648\u0643\u061f<\/strong><\/p>\n<p>\u062c: \u0627\u0646\u062e\u0641\u0636 \u0639\u062f\u062f \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0645\u0646 2.5 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0641\u064a \u0639\u0627\u0645 2011 \u0625\u0644\u0649 1.4 \u0645\u0644\u064a\u0627\u0631 \u0634\u062e\u0635 \u0627\u0644\u064a\u0648\u0645\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0639\u0643\u0633 \u062a\u062d\u0633\u0646\u0627\u064b \u0645\u0637\u0651\u0631\u062f\u0627\u064b \u0641\u064a \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<p><strong>\u0633: \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u0623\u0637\u0644\u0642\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f <\/strong><\/p>\n<p>\u062c: \u0623\u0637\u0644\u0642\u062a \u0623\u0643\u062b\u0631 \u0645\u0646 60 \u062f\u0648\u0644\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0645\u0634\u0627\u0631\u0643\u0629 \u062c\u0647\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u062a\u0634\u0645\u0644 \u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0627\u062a\u0635\u0627\u0644\u0627\u062a \u0648\u0627\u0644\u0628\u064a\u0626\u0629 \u0648\u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0648\u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><a href=\"#_ftnref1\" name=\"_ftn1\"><\/a><\/p>\n","protected":false},"featured_media":31300,"menu_order":0,"template":"","class_list":["post-31334","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>\u0647\u0644 \u0628\u0648\u0633\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0623\u0646 \u062a\u0639\u0632\u0651\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\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 property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0647\u0644 \u0628\u0648\u0633\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0623\u0646 \u062a\u0639\u0632\u0651\u0632 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u061f - Abdul Latif Jameel\" \/>\n<meta property=\"og:description\" content=\"\u062a\u062e\u064a\u0651\u0644 \u0623\u0646 \u062a\u064f\u062d\u0631\u064e\u0645 \u0645\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636\u060c \u0623\u0648 \u0645\u0646 \u062a\u0633\u062f\u064a\u062f \u0641\u0627\u062a\u0648\u0631\u0629 \u0639\u0644\u0627\u062c \u0637\u0627\u0631\u0626\u0629\u060c \u0623\u0648 \u0645\u0646 \u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u0632\u0644\u064d \u062c\u062f\u064a\u062f \u0644\u0639\u0627\u0626\u0644\u062a\u0643 \u0644\u0623\u0646\u0643 \u0639\u0627\u062c\u0632 \u0639\u0646 \u062f\u0641\u0639 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0642\u062f\u0645 \u0644\u0644\u0625\u064a\u062c\u0627\u0631. \u0648\u0627\u0644\u0633\u0628\u0628\u061f \u0628\u0628\u0633\u0627\u0637\u0629 \u0644\u0623\u0646\u0643 \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0639\u062f\u0651 \u0641\u064a \u0643\u062b\u064a\u0631 \u0645\u0646 \u062f\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0645\u062a\u0642\u062f\u0651\u0645 \u062c\u0632\u0621\u0627\u064b \u0628\u062f\u064a\u0647\u064a\u0627\u064b \u0645\u0646 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629. \u0628\u0639\u0628\u0627\u0631\u0629\u064d \u0623\u062e\u0631\u0649 \u0623\u0643\u062b\u0631 \u0648\u0636\u0648\u062d\u0627\u064b\u060c \u0623\u0646\u062a [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/can-tech-strengthen-financial-inclusion\/\" \/>\n<meta property=\"og:site_name\" content=\"Abdul Latif Jameel\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-26T13:38:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2025\/11\/Tech-Financial-Inclusion.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2372\" \/>\n\t<meta property=\"og:image:height\" content=\"1263\" \/>\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 name=\"twitter:data1\" content=\"1 \u062f\u0642\u064a\u0642\u0629\" \/>\n<script type=\"application\/ld+json\" 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\u0623\u062e\u0631\u0649 \u0623\u0643\u062b\u0631 \u0648\u0636\u0648\u062d\u0627\u064b\u060c \u0623\u0646\u062a [&hellip;]","og_url":"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/can-tech-strengthen-financial-inclusion\/","og_site_name":"Abdul Latif Jameel","article_modified_time":"2026-03-26T13:38:54+00:00","og_image":[{"width":2372,"height":1263,"url":"https:\/\/media.alj3.clients.lemonhq.io\/wp-content\/uploads\/2025\/11\/Tech-Financial-Inclusion.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631":"1 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href=\"https:\/\/sdgs.un.org\/goals\">https:\/\/sdgs.un.org\/goals<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a>\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1\">https:\/\/www.worldbank.org\/en\/topic\/financialinclusion\/overview#1<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.worldbank.org\/en\/publication\/globalfindex\">https:\/\/www.worldbank.org\/en\/publication\/globalfindex<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals\/\">https:\/\/www.gsma.com\/newsroom\/press-release\/smartphone-owners-are-now-the-global-majority-new-gsma-report-reveals<sup>\/<\/sup><\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/\">https:\/\/www.weforum.org\/stories\/2025\/01\/financial-equity-through-technology\/<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/\">https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/<\/a>\r\n\r\n<a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/a> <a href=\"https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf\">https:\/\/www.gsma.com\/solutions-and-impact\/connectivity-for-good\/mobile-for-development\/wp-content\/uploads\/2023\/02\/Empowering-women-micro-entrepreneurs-through-mobile.pdf<\/a>\r\n\r\n<em>\u00a0<\/em>\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n&nbsp;\r\n\r\n<strong>\u00a0<\/strong>"],"_business_sector":["field_66f6b5bcac8cb"],"business_sector":["\u0627\u0644\u0637\u0627\u0642\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a 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