{"id":65569,"date":"2026-06-18T18:35:21","date_gmt":"2026-06-18T18:35:21","guid":{"rendered":"https:\/\/cms.alj3.clients.lemonhq.io\/perspectives\/is-the-future-of-finance-digital\/"},"modified":"2026-06-18T18:42:52","modified_gmt":"2026-06-18T18:42:52","slug":"is-the-future-of-finance-digital","status":"publish","type":"perspectives","link":"https:\/\/cms.alj3.clients.lemonhq.io\/ar\/perspectives\/is-the-future-of-finance-digital\/","title":{"rendered":"\u0647\u0644 \u064a\u0642\u0648\u062f \u0627\u0644\u062a\u062d\u0648\u064e\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a\u061f"},"content":{"rendered":"\n<p>\u064a\u0645\u062b\u0644 \u0642\u0637\u0627\u0639 <a href=\"https:\/\/alj.com\/en\/financial-services\/\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a> \u00ab\u0627\u0644\u0645\u062d\u0631\u0651\u0643\u00bb \u0627\u0644\u0630\u064a 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30%<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u0646\u0628\u0624 \u0628\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0627\u0644\u064a: \u0628\u0646\u0633\u0628\u0629 28%<\/li>\n\n\n\n<li>\u062a\u0648\u0644\u064a\u062f \u0627\u0644\u0623\u0643\u0648\u0627\u062f \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0629: \u0628\u0646\u0633\u0628\u0629 27%<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/media.alj.com\/app\/uploads\/2026\/06\/Current-levels-of-AI-use-case-adoption_1-scaled.jpg\" alt=\"\" class=\"wp-image-126820\"\/><\/figure>\n<\/div>\n\n\n<p>\u0648\u064a\u0634\u0647\u062f \u00ab\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u0648\u0644\u064a\u062f\u064a\u00bb \u0639\u0644\u0649 \u0648\u062c\u0647 \u0627\u0644\u062e\u0635\u0648\u0635 \u0646\u0645\u0648\u0627\u064b \u0645\u062a\u0633\u0627\u0631\u0639\u0627\u064b \u062f\u0627\u062e\u0644 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\u0645\u0628\u0627\u0634\u0631\u0627\u064b \u062d\u062a\u0649 \u0648\u0642\u062a \u0642\u0631\u064a\u0628\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u0648\u0644\u060c \u0648\u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a\u060c \u0648\u0625\u0639\u062f\u0627\u062f \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u062f\u0648\u0631\u064a\u0629.<\/p>\n\n\n\n<p>\u0648\u0645\u0639 \u062a\u0646\u0627\u0645\u064a \u0647\u0630\u0647 \u0627\u0644\u0625\u0645\u0643\u0627\u0646\u0627\u062a\u060c \u064a\u062a\u062c\u0647 \u0642\u0627\u062f\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0625\u0644\u0649 \u062a\u0633\u0631\u064a\u0639 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0627\u0639\u062a\u0645\u0627\u062f\u0647. \u0641\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646\u0647 \u0628\u062d\u0644\u0648\u0644 \u0646\u0647\u0627\u064a\u0629 \u0639\u0627\u0645 2026\u060c \u0633\u062a\u0639\u062a\u0645\u062f \u0646\u062d\u0648 90% \u0645\u0646 \u0627\u0644\u0641\u0631\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0627\u0644\u0645\u064a\u0627\u064b \u0639\u0644\u0649 \u0623\u062f\u0627\u0629 \u0648\u0627\u062d\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629<a><\/a> <a href=\"#_ftn3\">[3]<\/a>. \u0643\u0645\u0627 \u064a\u064f\u0631\u062c\u0651\u062d \u0623\u0646 \u064a\u062a\u062c\u0627\u0648\u0632 \u062d\u062c\u0645 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0633\u0646\u0648\u064a \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0644\u0649 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a 87 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2029\u060c \u0645\u0642\u0627\u0631\u0646\u0629\u064b \u0628\u0645\u0627 \u064a\u0632\u064a\u062f \u0642\u0644\u064a\u0644\u0627\u064b \u0639\u0646 18 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2024.<a><\/a> <a href=\"#_ftn4\">[4]<\/a> \u0648\u0641\u064a \u0627\u0644\u0633\u064a\u0627\u0642 \u0630\u0627\u062a\u0647\u060c \u064a\u064f\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0633\u062a\u062d\u0648\u0630 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0648\u062d\u062f\u0647 \u0639\u0644\u0649 \u0646\u062d\u0648 20% \u0645\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2028\u060c \u0641\u064a \u0625\u0637\u0627\u0631 \u0633\u0628\u0627\u0642 \u0645\u062d\u0645\u0648\u0645 \u0644\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629.<a><\/a> <a href=\"#_ftn5\">[5]<\/a><\/p>\n\n\n\n<p>\u0648\u0641\u064a \u0636\u0648\u0621 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a\u060c \u064a\u062a\u0636\u062d \u0644\u0645\u0627\u0630\u0627 \u062a\u0628\u0631\u0632 <a href=\"https:\/\/alj.com\/en\/perspective\/navigating-the-future-of-finance\/\">\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a> (Fintech) \u0627\u0644\u064a\u0648\u0645 \u0643\u0623\u062d\u062f \u0623\u0628\u0631\u0632 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u062f \u0631\u0633\u0645 \u0645\u0644\u0627\u0645\u062d \u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u062a\u064f\u0639\u064a\u062f \u062a\u0639\u0631\u064a\u0641 \u0642\u0648\u0627\u0639\u062f\u0647.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0643\u064a\u0641 \u0633\u062a\u064f\u063a\u064a\u0651\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f<\/strong><\/h2>\n\n\n\n<p>\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0648\u062a\u064a\u0631\u0629 \u0645\u062a\u0633\u0627\u0631\u0639\u0629\u060c \u0633\u0648\u0627\u0621 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0628\u062a\u0643\u0627\u0631 \u0646\u0645\u0627\u0630\u062c \u062e\u062f\u0645\u064a\u0629 \u062c\u062f\u064a\u062f\u0629\u060c \u0623\u0648 \u0645\u0648\u0627\u0643\u0628\u0629 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u060c \u0623\u0648 \u0627\u0633\u062a\u062d\u062f\u0627\u062b \u0623\u0633\u0627\u0644\u064a\u0628 \u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0645\u0627\u064b \u0644\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0628\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u0648\u0644\u0645 \u062a\u0639\u062f \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0648\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u064a \u0635\u0645\u062f\u062a \u0644\u0639\u0642\u0648\u062f \u0637\u0648\u064a\u0644\u0629 \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0645\u0648\u0627\u0643\u0628\u0629 \u0648\u0627\u0642\u0639 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a\u0647 \u062d\u062c\u0631 \u0627\u0644\u0623\u0633\u0627\u0633.<\/p>\n\n\n\n<p>\u0648\u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0627\u0644\u062a\u062d\u0648\u0651\u0644 \u0627\u0644\u062c\u0627\u0631\u064a \u0639\u0644\u0649 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u0642\u062f\u0631\u062a\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629 \u0639\u0644\u0649 \u062a\u062a\u0628\u0651\u0639 \u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0633\u0644\u0648\u0643 \u0639\u0628\u0631 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0628\u0644 \u064a\u0645\u062a\u062f \u0644\u064a\u0634\u0645\u0644 \u0645\u0646\u0638\u0648\u0645\u0629 \u0623\u0648\u0633\u0639 \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0639\u064a\u062f \u062a\u0634\u0643\u064a\u0644 \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0645\u0627\u0644\u064a \u0628\u0631\u0645\u0651\u062a\u0647\u060c \u0648\u0641\u064a \u0645\u0642\u062f\u0645\u062a\u0647\u0627 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 (Big Data)\u060c \u0648\u00ab\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621\u00bb (IoT)\u060c \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u00ab\u0627\u0644\u0628\u0644\u0648\u0643\u0634\u064a\u0646\u00bb (Blockchain)\u060c \u0648\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 (Cloud Computing).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629:<\/strong> \u0628\u0627\u062a \u0645\u0632\u0648\u0651\u062f\u0648 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0627\u0644\u064a\u0648\u0645 \u0631\u0624\u0649 \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u062d\u0648\u0644 \u062d\u064a\u0627\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u062a\u0634\u0645\u0644 \u0639\u0627\u062f\u0627\u062a\u0647\u0645 \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c \u0648\u062a\u0641\u0636\u064a\u0644\u0627\u062a\u0647\u0645 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0648\u0633\u0644\u0648\u0643\u064a\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629\u060c \u0641\u0636\u0644\u0627\u064b \u0639\u0646 \u0633\u062c\u0644\u0627\u062a\u0647\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629\u060c \u0628\u0645\u0627 \u064a\u0645\u0643\u0651\u0646\u0647\u0645 \u0645\u0646 \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u0623\u0643\u062b\u0631 \u062f\u0642\u0629 \u0648\u0627\u0633\u062a\u0628\u0627\u0642\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621:<\/strong> \u062a\u0648\u0644\u0651\u062f \u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0627\u0633\u062a\u0634\u0639\u0627\u0631 \u0648\u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062a\u0635\u0644\u0629\u060c \u0628\u062f\u0621\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a 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\u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/h2>\n\n\n\n<p>\u0634\u0647\u062f \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0627\u0636\u064a \u062a\u062d\u0648\u0644\u0627\u064b \u062c\u0630\u0631\u064a\u0627\u064b \u0645\u062f\u0641\u0648\u0639\u0627\u064b \u0628\u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0648\u0627\u0633\u0639 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u062d\u064a\u062b \u062a\u0648\u0633\u0651\u0639\u062a \u0642\u0627\u0639\u062f\u0629 \u0639\u0645\u0644\u0627\u0626\u0647 \u0644\u062a\u0634\u0645\u0644 \u0627\u0644\u064a\u0648\u0645 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645. \u0648\u0628\u0627\u062a \u0628\u0625\u0645\u0643\u0627\u0646 \u0623\u064a \u0634\u062e\u0635 \u064a\u0645\u062a\u0644\u0643 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\u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u060c \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0644\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0630\u0643\u064a\u0629 \u0627\u0644\u0645\u062a\u0635\u0644\u0629 \u0628\u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0641\u064a \u0625\u062d\u062f\u0627\u062b \u0646\u0642\u0644\u0629 \u0646\u0648\u0639\u064a\u0629 \u062f\u0627\u062e\u0644 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646. \u0641\u0628\u0641\u0636\u0644 \u0642\u062f\u0631\u0629 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0643\u0645\u0651 \u0647\u0627\u0626\u0644 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a 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\u0645\u0641\u0627\u0647\u064a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u062e\u0641\u0636 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0648\u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0641\u0648\u0631\u064a\u060c \u0648\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0645\u0646 \u062a\u0635\u0648\u0631\u0627\u062a \u0646\u0638\u0631\u064a\u0629 \u0625\u0644\u0649 \u0648\u0627\u0642\u0639 \u0639\u0645\u0644\u064a\u060c \u0645\u0627 \u064a\u0639\u064a\u062f \u062a\u0639\u0631\u064a\u0641 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0646 \u0628\u062f\u0627\u064a\u062a\u0647\u0627 \u062d\u062a\u0649 \u0646\u0647\u0627\u064a\u062a\u0647\u0627.<\/p>\n\n\n\n<p>\u0648\u0641\u064a \u0645\u0648\u0627\u0632\u0627\u0629 \u0630\u0644\u0643\u060c \u062a\u0634\u0627\u0631\u0643 \u0645\u0626\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0639\u0627\u0644\u0645 \u0641\u064a \u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u062f\u0627\u062e\u0644 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0641\u064a \u0625\u0637\u0627\u0631 \u0645\u0648\u062c\u0629 \u062a\u062d\u0648\u0651\u0644 \u062a\u0642\u0646\u064a \u0639\u0645\u064a\u0642\u0629 \u062a\u0639\u064a\u062f \u0631\u0633\u0645 \u0645\u0644\u0627\u0645\u062d \u0627\u0644\u0635\u0646\u0627\u0639\u0629. \u0641\u0634\u0631\u0643\u0627\u062a \u0643\u0628\u0631\u0649 \u0645\u062b\u0644 \u00ab\u0623\u0645\u0627\u0632\u0648\u0646 \u0648\u064a\u0628 \u0633\u064a\u0631\u0641\u064a\u0633\u0632\u00bb (Amazon Web Services) \u0648\u00ab\u0623\u0648\u0631\u0627\u0643\u0644\u00bb (Oracle) \u0648\u00ab\u062f\u064a \u0625\u0643\u0633 \u0633\u064a \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u00bb (DXC Technolog) \u0648\u00ab\u0643\u0627\u0628\u062c\u064a\u0645\u064a\u0646\u064a\u00bb&nbsp; (Capgemini)\u060c \u062a\u0645\u0647\u0651\u062f \u0627\u0644\u0637\u0631\u064a\u0642 \u0623\u0645\u0627\u0645 \u062c\u064a\u0644 \u062c\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0637\u0645\u0648\u062d\u0629 \u0627\u0644\u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0625\u062d\u062f\u0627\u062b \u062a\u062d\u0648\u0651\u0644 \u0646\u0648\u0639\u064a \u0641\u064a \u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0644\u0639\u0628\u0629\u060c \u0645\u0646 \u0628\u064a\u0646\u0647\u0627 \u0634\u0631\u0643\u0629 \u00ab\u062c\u064a\u0646\u0648\u0627\u00bb (<a href=\"https:\/\/jenoa.com\/en\/\">JENOA<\/a>)\u060c \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0634\u0628\u0643\u0629 \u0623\u0639\u0645\u0627\u0644 <a href=\"https:\/\/alj.com\/en\/media-center\/spotlight-by-fady-jameel\/\">\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644<\/a>. \u0648\u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c \u062a\u062a\u062c\u0647 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0625\u0644\u0649 \u0639\u0642\u062f \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0645\u0632\u0648\u0651\u062f\u064a \u062d\u0644\u0648\u0644 \u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0643\u062e\u062f\u0645\u0629 (SaaS) \u0645\u0646 \u0627\u0644\u0641\u0626\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629\u060c \u0645\u062b\u0644 \u00ab\u0628\u064a\u062c\u0627\u0633\u064a\u0633\u062a\u0645\u0632\u00bb (Pegasystems) \u0648\u00ab\u062f\u0648\u0643 \u0643\u0631\u064a\u0643\u00bb (Duck Creek) \u0648\u00ab\u062c\u0627\u064a\u062f \u0648\u0627\u064a\u0631 \u0633\u0648\u0641\u062a \u0648\u064a\u0631\u00bb (Guidewire Softwar) \u0648\u00ab\u0623\u0648\u062a \u0633\u064a\u0633\u062a\u0645\u0632\u00bb (OutSystems)\u060c \u0628\u0647\u062f\u0641 \u0628\u0646\u0627\u0621 \u0645\u0646\u0638\u0648\u0645\u0627\u062a \u062a\u0642\u0646\u064a\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u062a\u0639\u0632\u0651\u0632 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629\u060c \u0648\u062a\u0645\u0643\u0651\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0648\u0643\u0644\u0627\u0621\u0647\u0627 \u0645\u0646 \u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u062e\u062f\u0645\u0627\u062a\u0647\u0645 \u0648\u0627\u0644\u0627\u0631\u062a\u0642\u0627\u0621 \u0628\u062c\u0648\u062f\u0629 \u0623\u062f\u0627\u0626\u0647\u0645.<\/p>\n\n\n\n<p>\u0643\u0645\u0627 \u062a\u0639\u0632\u0651\u0632 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0648\u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0623\u064a\u0636\u0627\u064b\u060c \u0645\u0646 \u062e\u0644\u0627\u0644 \u062f\u0645\u062c \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0645\u0639 \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0645 \u0641\u064a \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0625\u0630 \u062a\u0634\u064a\u0631 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u064a\u0643\u0644\u0651\u0641 \u0627\u0644\u0642\u0637\u0627\u0639 \u0623\u0643\u062b\u0631 \u0645\u0646 300 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0633\u0646\u0648\u064a\u0627\u064b \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u062d\u062f\u0647\u0627.<a><\/a> <a href=\"#_ftn7\">[7]<\/a> &nbsp;\u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u062a\u0624\u0643\u062f \u0634\u0631\u0643\u0629 \u00ab\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u00bb (Mastercard) \u0623\u0646 \u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0636\u0645\u0646 \u0623\u0646\u0638\u0645\u062a\u0647\u0627 \u0623\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0645\u0639\u062f\u0644\u0627\u062a \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 300%\u060c \u0648\u0647\u0648 \u0645\u0627 \u064a\u0646\u0639\u0643\u0633 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u0623\u0642\u0633\u0627\u0637 \u0623\u0643\u062b\u0631 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062a\u0639\u0632\u064a\u0632 \u062b\u0642\u0629 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0645\u0648\u0644\u0629. <a><\/a><a href=\"#_ftn8\">[8]<\/a><\/p>\n\n\n\n<p>\u0648\u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0633\u0627\u0626\u0642 \u062a\u0648\u0635\u064a\u0644 \u064a\u0639\u0645\u0644 \u0628\u0639\u0642\u0648\u062f \u0645\u0631\u0646\u0629 \u0641\u064a \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u064a\u0633\u0639\u0649 \u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0631\u0643\u0628\u0629 \u0645\u0633\u062a\u0623\u062c\u0631\u0629\u060c \u0623\u0648 \u0631\u0627\u0626\u062f \u0623\u0639\u0645\u0627\u0644 \u0645\u0633\u062a\u0642\u0644\u0627\u064b \u0641\u064a \u0627\u0644\u0647\u0646\u062f \u064a\u0637\u0645\u062d \u0625\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u0634\u0623\u062a\u0647 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0646\u0633\u0648\u062c\u0627\u062a\u060c \u0641\u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u062a\u0641\u062a\u062d \u0622\u0641\u0627\u0642\u0627\u064b \u0623\u0648\u0633\u0639 \u0644\u0644\u0639\u064a\u0634 \u0648\u0627\u0644\u0639\u0645\u0644\u060c \u0648\u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0645\u0646 \u0625\u0637\u0644\u0627\u0642 \u0625\u0645\u0643\u0627\u0646\u0627\u062a\u0647\u0645 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0636\u0645\u0646 \u0628\u064a\u0626\u0629 \u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u0627\u064b \u0648\u0645\u0631\u0648\u0646\u0629.<\/p>\n\n\n\n<p>\u0648\u0639\u0644\u0649 \u0627\u0644\u0635\u0639\u064a\u062f \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u060c \u0628\u0644\u063a \u062d\u062c\u0645 \u0633\u0648\u0642 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0646\u062d\u0648 10.3 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0639\u0627\u0645 2025\u060c \u0645\u0639 \u062a\u0648\u0642\u0639\u0627\u062a \u0628\u0623\u0646 \u064a\u0642\u0641\u0632 \u0625\u0644\u0649 152.9 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0642\u062f \u0627\u0644\u0645\u0642\u0628\u0644<a><\/a> <a href=\"#_ftn9\">[9]<\/a>\u060c \u0645\u062f\u0641\u0648\u0639\u0627\u064b \u0628\u0639\u0648\u0627\u0645\u0644 \u0639\u062f\u0629\u060c \u0623\u0628\u0631\u0632\u0647\u0627 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f \u0644\u0623\u062c\u0647\u0632\u0629 \u00ab\u0625\u0646\u062a\u0631\u0646\u062a \u0627\u0644\u0623\u0634\u064a\u0627\u0621\u00bb\u060c \u0648\u062a\u0648\u0633\u0651\u0639 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u062a\u062c\u0627\u0631\u0628 \u0631\u0642\u0645\u064a\u0629 \u0633\u0644\u0633\u0629 \u0648\u0645\u062a\u0643\u0627\u0645\u0644\u0629.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/media.alj.com\/app\/uploads\/2026\/06\/Insurtech-market-forecast_1-scaled.jpg\" alt=\"\" class=\"wp-image-126834\"\/><\/figure>\n<\/div>\n\n\n<p>\u0648\u0645\u0639 \u062a\u0644\u0627\u0634\u064a \u0627\u0644\u062d\u0648\u0627\u062c\u0632 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0628\u064a\u0646 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0648\u0645\u0632\u0648\u0651\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646\u060c \u0645\u062b\u0644 \u0634\u0631\u0643\u0627\u062a \u0633\u062d\u0628 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0637\u0644\u0629\u060c \u062a\u0635\u0628\u062d \u0639\u0645\u0644\u064a\u0629 \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0643\u062b\u0631 \u0627\u0646\u0633\u064a\u0627\u0628\u064a\u0629 \u0628\u0637\u0628\u064a\u0639\u062a\u0647\u0627. \u063a\u064a\u0631 \u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0627\u0646\u0641\u062a\u0627\u062d \u0627\u0644\u0631\u0642\u0645\u064a \u064a\u0637\u0631\u062d \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644 \u062a\u0633\u0627\u0624\u0644\u0627\u062a \u062c\u0648\u0647\u0631\u064a\u0629 \u062a\u062a\u0639\u0644\u0642 <a href=\"https:\/\/alj.com\/en\/perspective\/reducing-risk-in-a-digital-future\/\">\u0628\u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a<\/a>\u060c \u0628\u0645\u0639\u0646\u0649 \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0641\u064a \u0638\u0644 \u0647\u0630\u0627 \u0627\u0644\u0641\u0636\u0627\u0621 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u062a\u0639\u0627\u0638\u0645\u061f<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u0627 \u062a\u062d\u064a\u064a\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u062e\u0644\u0627\u0644 \u0631\u062d\u0644\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u061f<\/strong><\/h2>\n\n\n\n<p>\u062a\u064f\u0639\u062f\u0651 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u062d\u062c\u0631 \u0627\u0644\u0623\u0633\u0627\u0633 \u0641\u064a \u062b\u0648\u0631\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0643\u0634\u0641 \u0645\u0644\u0627\u0645\u062d\u0647\u0627 \u0623\u0645\u0627\u0645\u0646\u0627. \u063a\u064a\u0631 \u0623\u0646\u0651 \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639 \u0644\u0627 \u064a\u062e\u0644\u0648 \u0645\u0646 \u062a\u062d\u062f\u064a\u0627\u062a \u0639\u0645\u064a\u0642\u0629\u060c \u064a\u0623\u062a\u064a \u0641\u064a \u0645\u0642\u062f\u0645\u062a\u0647\u0627 \u062a\u0635\u0627\u0639\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a\u0629. \u0641\u0642\u062f \u0623\u0634\u0627\u0631 \u062a\u0642\u0631\u064a\u0631 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u0643\u062a\u0628 \u0627\u0644\u062a\u062d\u0642\u064a\u0642\u0627\u062a \u0627\u0644\u0641\u064a\u062f\u0631\u0627\u0644\u064a (FBI) \u0641\u064a \u0639\u0627\u0645 2025 \u0625\u0644\u0649 \u0648\u0642\u0648\u0639 \u0623\u0643\u062b\u0631 \u0645\u0646 850,000 \u062d\u0627\u062f\u062b\u0629 \u0645\u0646\u0641\u0635\u0644\u0629 \u0645\u0646 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u062e\u0644\u0627\u0644 \u0639\u0627\u0645 \u0648\u0627\u062d\u062f \u0641\u0642\u0637\u060c \u0628\u062e\u0633\u0627\u0626\u0631 \u062a\u062c\u0627\u0648\u0632\u062a 16 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a\u060c \u0628\u0632\u064a\u0627\u062f\u0629 \u0642\u062f\u0631\u0647\u0627 33% \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0639\u0627\u0645 2023.<a><\/a> <a href=\"#_ftn10\">[10]<\/a> \u0648\u0634\u0645\u0644\u062a \u0647\u0630\u0647 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0637\u064a\u0641\u0627\u064b \u0648\u0627\u0633\u0639\u0627\u064b \u0645\u0646 \u0627\u0644\u062a\u0647\u062f\u064a\u062f\u0627\u062a\u060c \u0645\u0646 \u0627\u0644\u062a\u0635\u064a\u0651\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a \u0648\u0627\u0644\u0627\u0628\u062a\u0632\u0627\u0632\u060c \u0625\u0644\u0649 \u0627\u062e\u062a\u0631\u0627\u0642\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0651\u0631\u0629.<\/p>\n\n\n\n<p>\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u062a\u0633\u0644\u0651\u0637 \u0634\u0631\u0643\u0629 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\u0639\u0644\u0649 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u062e\u0644\u0627\u0644 \u062c\u0645\u064a\u0639 \u0645\u0631\u0627\u062d\u0644 \u0645\u0639\u0627\u0644\u062c\u062a\u0647\u0627\u060c \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0625\u0644\u0649 \u0627\u0644\u0646\u0642\u0644 \u0648\u0627\u0644\u062a\u062e\u0632\u064a\u0646.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629:<\/strong> \u0625\u062e\u0636\u0627\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u0621 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u064a\u0646 \u0644\u062a\u062f\u0642\u064a\u0642 \u0635\u0627\u0631\u0645 \u0645\u0646 \u062d\u064a\u062b \u0633\u064a\u0627\u0633\u0627\u062a \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629:<\/strong> \u0641\u0631\u0636 \u0636\u0648\u0627\u0628\u0637 \u0648\u0627\u0636\u062d\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0633\u0629\u060c \u062a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0645\u0628\u062f\u0623 \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0648\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0623\u062f\u0644\u0629 \u0627\u0644\u062c\u0646\u0627\u0626\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629:<\/strong> \u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0645\u0646 \u062f\u0639\u0645 \u0627\u0644\u062a\u062d\u0642\u064a\u0642\u0627\u062a \u0639\u0628\u0631 \u0625\u062a\u0627\u062d\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0644\u0641\u062d\u0635 \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0639\u0646\u062f \u0648\u0642\u0648\u0639 \u0627\u062e\u062a\u0631\u0627\u0642\u0627\u062a.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a:<\/strong> \u0628\u0646\u0627\u0621 \u0643\u0641\u0627\u0621\u0627\u062a \u062f\u0627\u062e\u0644\u064a\u0629 \u062a\u0636\u0645\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u0642\u0637\u0627\u0639\u064a\u0629.<\/li>\n\n\n\n<li><strong>\u0627\u0644\u0645\u0631\u0648\u0646\u0629:<\/strong> \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0639\u0632\u0644 \u0627\u0644\u0623\u0639\u0637\u0627\u0644 \u0627\u0644\u0623\u0645\u0646\u064a\u0629 \u0648\u0645\u0646\u0639 \u0627\u0645\u062a\u062f\u0627\u062f\u0647\u0627 \u0625\u0644\u0649 \u0628\u0642\u064a\u0629 \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629.<\/li>\n<\/ul>\n\n\n\n<p>\u0648\u062a\u062a\u0637\u0644\u0628 \u0645\u0648\u0627\u062c\u0647\u0629 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0628\u0646\u0651\u064a \u0646\u0647\u062c \u062a\u062f\u0631\u064a\u062c\u064a \u0648\u0645\u062f\u0631\u0648\u0633 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u061b \u0625\u0630 \u064a\u0646\u0628\u063a\u064a \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0628\u0634\u0643\u0644 \u062f\u0648\u0631\u064a \u0639\u0628\u0631 \u0627\u0644\u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u0627\u062f\u0645\u0629\u060c \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0636\u062f \u0627\u0644\u0648\u0635\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647\u060c \u0648\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u064a\u0627\u062a (MFA) \u0641\u064a \u0628\u064a\u0626\u0627\u062a \u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646. \u0643\u0645\u0627 \u064a\u062a\u0639\u064a\u0646 \u062f\u0645\u062c \u062d\u0644\u0648\u0644 \u0627\u0644\u0623\u0637\u0631\u0627\u0641 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 \u0628\u0639\u062f \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u062a\u0648\u0627\u0641\u0642\u0647\u0627 \u0627\u0644\u0623\u0645\u0646\u064a\u060c \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0625\u0639\u062f\u0627\u062f \u062e\u0637\u0637 \u0634\u0627\u0645\u0644\u0629 \u0644\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0632\u0645\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u0639\u0627\u0641\u064a \u0645\u0646 \u0627\u0644\u0643\u0648\u0627\u0631\u062b.<\/p>\n\n\n\n<p>\u0648\u0631\u063a\u0645 \u062a\u0633\u0627\u0631\u0639 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0625\u0644\u0649 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u0644\u0627 \u062a\u0632\u0627\u0644 \u0627\u0644\u0645\u062e\u0627\u0648\u0641 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a \u0642\u0627\u0626\u0645\u0629\u060c \u0628\u0644 \u0625\u0646 \u0628\u0639\u0636\u0647\u0627 \u0642\u062f \u064a\u062d\u0645\u0644 \u062a\u062f\u0627\u0639\u064a\u0627\u062a \u062a\u062a\u062c\u0627\u0648\u0632 \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0644\u062a\u0637\u0627\u0644 \u0623\u0646\u0638\u0645\u0629 \u0628\u0623\u0643\u0645\u0644\u0647\u0627.<\/p>\n\n\n\n<p>\u0641\u0645\u0627\u0630\u0627 \u0644\u0648 \u062a\u0645\u0643\u0651\u0646 \u0641\u064a\u0631\u0648\u0633 \u00ab\u062d\u0635\u0627\u0646 \u0637\u0631\u0648\u0627\u062f\u0629\u00bb \u0630\u0627\u062a\u064a \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631 \u0645\u0646 \u0627\u062e\u062a\u0631\u0627\u0642 \u062e\u0648\u0627\u062f\u0645 \u062d\u0643\u0648\u0645\u064a\u0629 \u0643\u0628\u0631\u0649\u060c \u0648\u0623\u0637\u0627\u062d \u0628\u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0631\u0642\u0645\u064a\u061f \u0648\u0645\u0627\u0630\u0627 \u0644\u0648 \u0623\u062f\u0651\u062a <a href=\"https:\/\/alj.com\/en\/spotlight-by-fady-jameel\/a-quantum-leap-for-humankind\/\">\u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0627\u0644\u0643\u0645\u0648\u0645\u064a\u0629<\/a> \u0625\u0644\u0649 \u062a\u0642\u0648\u064a\u0636 \u062e\u0648\u0627\u0631\u0632\u0645\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0648\u0643\u0634\u0641\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0633\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u0642\u0631\u0627\u0635\u0646\u0629\u061f<\/p>\n\n\n\n<p>\u0647\u0646\u0627 \u064a\u0628\u0631\u0632 \u0645\u0641\u0647\u0648\u0645 \u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0643\u0645\u0651\u064a (Quantum Cryptography) \u0643\u062d\u0644 \u0648\u0627\u0639\u062f \u0642\u062f \u064a\u0639\u064a\u062f \u0631\u0633\u0645 \u0645\u0644\u0627\u0645\u062d \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n\n\n\n<p>\u064a\u0646\u0637\u0644\u0642 \u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0643\u0645\u0651\u064a \u0645\u0646 \u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0621 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u064a\u0642\u062f\u0651\u0645 \u0622\u0644\u064a\u0627\u062a \u0645\u0628\u062a\u0643\u0631\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0646\u0642\u0644\u0647\u0627 \u0628\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u0645\u0646 \u0627\u0644\u062d\u0645\u0627\u064a\u0629.<\/p>\n\n\n\n<p>\u0648\u062a\u0639\u062a\u0645\u062f \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0632\u0627\u0644 \u0641\u064a \u0637\u0648\u0631 \u0627\u0644\u062a\u0637\u0648\u064a\u0631\u060c \u0639\u0644\u0649 \u0623\u0631\u0628\u0639\u0629 \u0642\u0648\u0627\u0646\u064a\u0646 \u0641\u064a\u0632\u064a\u0627\u0626\u064a\u0629 \u0623\u0633\u0627\u0633\u064a\u0629\u061b 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\u064a\u0645\u0643\u0646 \u0642\u064a\u0627\u0633\u0647\u0627 \u062f\u0648\u0646 \u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0639\u0644\u064a\u0647\u0627\u061b \u0648\u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u0646\u0633\u0627\u062e\u0647\u0627 \u0628\u0634\u0643\u0644 \u0643\u0627\u0645\u0644\u060c \u0628\u0644 \u064a\u0638\u0644 \u0627\u0644\u0627\u0633\u062a\u0646\u0633\u0627\u062e \u062c\u0632\u0626\u064a\u0627\u064b \u0628\u0637\u0628\u064a\u0639\u062a\u0647.<\/p>\n\n\n\n<p>\u0648\u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u0651\u062d \u0623\u0646 \u064a\u062a\u0637\u0648\u0631 \u0627\u0644\u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0643\u0645\u0651\u064a \u0639\u0628\u0631 \u0645\u0633\u0627\u0631\u064a\u0646 \u0645\u062a\u0648\u0627\u0632\u064a\u064a\u0646: \u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0643\u0645\u0648\u0645\u064a\u0629 (QKD) \u0648\u0631\u0645\u064a \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0643\u0645\u0648\u0645\u064a\u0629 (QCF).<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0641\u064a \u0625\u0637\u0627\u0631 \u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0643\u0645\u0648\u0645\u064a\u0629\u060c \u062a\u064f\u0646\u0642\u0644 \u062c\u0633\u064a\u0645\u0627\u062a \u0627\u0644\u0636\u0648\u0621 (\u0627\u0644\u0641\u0648\u062a\u0648\u0646\u0627\u062a) \u0639\u0628\u0631 \u0643\u0627\u0628\u0644 \u0645\u0646 \u0627\u0644\u0623\u0644\u064a\u0627\u0641 \u0627\u0644\u0636\u0648\u0626\u064a\u0629\u060c \u0628\u062d\u064a\u062b \u064a\u0645\u062b\u0651\u0644 \u0643\u0644 \u0641\u0648\u062a\u0648\u0646 \u0648\u062d\u062f\u0629 \u0628\u064a\u0627\u0646\u0627\u062a (qubit)\u060c \u062d\u064a\u062b \u064a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0631\u0633\u0650\u0644 \u0645\u0631\u0634\u062d\u0627\u064b \u0645\u0633\u062a\u0642\u0637\u0628\u0627\u064b \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u062a\u062c\u0627\u0647 \u0643\u0644 \u0641\u0648\u062a\u0648\u0646\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0650\u0644 \u0645\u0642\u0633\u0651\u0645 \u062d\u0632\u0645\u0629 (beam-splitter) \u0644\u0642\u0631\u0627\u0621\u0629 \u0647\u0630\u0627 \u0627\u0644\u0627\u062a\u062c\u0627\u0647. \u0648\u062a\u064f\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u0645\u062a\u0637\u0627\u0628\u0642\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0643\u0645\u0641\u062a\u0627\u062d \u0645\u0634\u062a\u0631\u0643 \u0644\u0641\u0643 \u062a\u0634\u0641\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a. \u0648\u0623\u064a \u0645\u062d\u0627\u0648\u0644\u0629 \u0644\u0627\u0639\u062a\u0631\u0627\u0636 \u0627\u0644\u0625\u0634\u0627\u0631\u0629 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u063a\u064a\u064a\u0631 \u062d\u0627\u0644\u062a\u0647\u0627\u060c \u0645\u0627 \u064a\u062c\u0639\u0644 \u0627\u0644\u0627\u062e\u062a\u0631\u0627\u0642 \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u0643\u0634\u0641 \u0641\u0648\u0631\u0627\u064b. \u0648\u0631\u063a\u0645 \u0646\u062c\u0627\u062d \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0628\u064a\u0626\u0627\u062a \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629\u060c \u0641\u0625\u0646\u0647\u0627 \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0648\u0627\u062c\u0647 \u062a\u062d\u062f\u064a\u0627\u062a \u0628\u0633\u0628\u0628 \u062a\u062f\u0647\u0648\u0631 \u0627\u0644\u0641\u0648\u062a\u0648\u0646\u0627\u062a \u0628\u0639\u062f \u0645\u0633\u0627\u0641\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 \u0628\u0636\u0639 \u0645\u0626\u0627\u062a \u0645\u0646 \u0627\u0644\u0623\u0645\u064a\u0627\u0644\u060c \u0625\u0644\u0627 \u0623\u0646 \u062a\u0642\u0646\u064a\u0629 \u00ab\u0645\u0643\u0631\u0651\u0631\u0627\u062a \u0627\u0644\u0641\u0648\u062a\u0648\u0646\u0627\u062a\u00bb (photon repeaters) \u0623\u0638\u0647\u0631\u062a \u0645\u0624\u062e\u0631\u0627\u064b \u0625\u0645\u0643\u0627\u0646\u0627\u062a \u0648\u0627\u0639\u062f\u0629 \u0644\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642\u0647\u0627.<\/li>\n\n\n\n<li>\u0623\u0645\u0627 \u0645\u0633\u0627\u0631 \u0631\u0645\u064a \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0643\u0645\u0648\u0645\u064a\u0629\u060c \u0641\u064a\u062a\u064a\u062d \u0644\u0637\u0631\u0641\u064a\u0646 \u0625\u062c\u0631\u0627\u0621 \u0627\u062e\u062a\u0628\u0627\u0631 \u0639\u0634\u0648\u0627\u0626\u064a \u0646\u0632\u064a\u0647 \u062f\u0648\u0646 \u0648\u0633\u064a\u0637\u060c \u0639\u0628\u0631 \u0645\u0641\u0647\u0648\u0645 \u00ab\u0639\u0645\u0644\u0629 \u0643\u0645\u0651\u064a\u0629\u00bb \u0641\u064a \u062d\u0627\u0644\u0629 \u062a\u0631\u0627\u0643\u0628 (superposition)\u060c \u0628\u062d\u064a\u062b \u062a\u0648\u062c\u062f \u0641\u064a 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\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u2013&nbsp; \u062c\u064a\u0645\u0643\u0648 (<a href=\"https:\/\/jimco.com\/en\/\">JIMCO<\/a>)\u060c \u0627\u0644\u0630\u0631\u0627\u0639 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0644<a href=\"https:\/\/jimco.com\/en\/who-we-are\/our-people\/\">\u0639\u0627\u0626\u0644\u0629 \u062c\u0645\u064a\u0644<\/a>\u060c \u0641\u064a \u062a\u0633\u0647\u064a\u0644 \u0648\u0635\u0648\u0644 \u0639\u062f\u062f \u0643\u0628\u064a\u0631 \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0625\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062d\u064a\u0648\u064a.<\/p>\n\n\n\n<p>\u0641\u0642\u062f \u0627\u0633\u062a\u062b\u0645\u0631\u062a \u00ab\u062c\u064a\u0645\u0643\u0648\u00bb \u0641\u064a \u0634\u0631\u0643\u0629 \u00ab\u062a\u0627\u0628\u064a\u00bb (<a href=\"https:\/\/tabby.ai\/en-AE\">Tabby<\/a>)\u060c \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u00ab\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b\u00bb\u060c \u0645\u0627 \u0623\u062a\u0627\u062d \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0634\u0631\u0627\u0621 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0639\u0628\u0631 \u062e\u0637\u0637 \u0633\u062f\u0627\u062f \u0645\u0624\u062c\u0644\u0629 \u062f\u0648\u0646 \u062a\u0643\u0644\u0641\u0629 \u0625\u0636\u0627\u0641\u064a\u0629. \u0643\u0645\u0627 \u0648\u0633\u0651\u0639\u062a \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0647\u0627 \u0644\u062a\u0634\u0645\u0644 \u00ab\u0641\u064a\u063a\u0648\u0628\u0627\u0631\u0627\u00bb (<a href=\"https:\/\/figopara.com\/en\">Figopara<\/a>) \u0641\u064a \u062a\u0631\u0643\u064a\u0627\u060c \u0627\u0644\u062a\u064a \u062a\u0639\u0632\u0632 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0639\u0627\u0645\u0644 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u0637\u0627\u0644\u0629 \u0622\u062c\u0627\u0644 \u0633\u062f\u0627\u062f \u0627\u0644\u0645\u0648\u0631\u062f\u064a\u0646\u061b \u0648\u00ab\u062b\u0627\u0646\u062f\u0631\u00bb (<a href=\"https:\/\/thndr.app\/\">Thndr<\/a>)\u060c \u0645\u0646\u0635\u0629 \u062a\u062f\u0627\u0648\u0644 \u0627\u0644\u0623\u0633\u0647\u0645 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u060c \u0627\u0644\u062a\u064a \u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0627\u0644\u0623\u0633\u0647\u0645 \u0648\u0627\u0644\u0633\u0646\u062f\u0627\u062a \u0648\u0627\u0644\u0635\u0646\u0627\u062f\u064a\u0642 \u062f\u0648\u0646 \u0639\u0645\u0648\u0644\u0627\u062a\u061b \u0648\u00ab\u0631\u064a\u0646\u00bb (<a href=\"https:\/\/www.rain.com\/\">Rain<\/a>)\u060c \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0651\u0631\u0629\u061b \u0648\u00ab\u0644\u064a\u0646\u00bb (<a href=\"https:\/\/www.leantech.me\/\">Lean<\/a>)\u060c \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0645\u0648\u062c\u0647\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u064a \u062a\u0637\u0648\u0651\u0631 \u062d\u0644\u0648\u0644\u0627\u064b \u0628\u0631\u0645\u062c\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0644\u0631\u0628\u0637 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 \u0648\u0633\u0644\u0633.<\/p>\n\n\n\n<p>\u0648\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0635\u062f\u062f\u060c \u064a\u0624\u0643\u062f <a href=\"https:\/\/alj.com\/en\/our-people\/fady-jameel\/\">\u0641\u0627\u062f\u064a \u062c\u0645\u064a\u0644<\/a>\u060c \u0646\u0627\u0626\u0628 \u0631\u0626\u064a\u0633 \u0645\u062c\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0644\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0641\u064a \u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644\u060c \u0623\u0646:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u00ab\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u064a\u0645\u0631\u0651 \u0627\u0644\u064a\u0648\u0645 \u0628\u0645\u0646\u0639\u0637\u0641 \u062a\u0627\u0631\u064a\u062e\u064a \u062a\u0642\u0648\u062f\u0647 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u061b \u0648\u0623\u0646 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u0646\u062a\u062e\u0630\u0647\u0627 \u0627\u0644\u064a\u0648\u0645 \u0633\u062a\u0644\u0642\u064a \u0628\u0638\u0644\u0627\u0644\u0647\u0627 \u0639\u0644\u0649 \u0641\u0631\u0635 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u060c \u0648\u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u060c \u0648\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u0639\u0642\u0648\u062f \u0642\u0627\u062f\u0645\u0629\u00bb.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>\u0648\u064a\u0636\u064a\u0641:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u00ab\u064a\u0645\u062a\u0644\u0643 \u0627\u0644\u0639\u0627\u0644\u0645 \u0627\u0644\u064a\u0648\u0645 \u0645\u0646\u0638\u0648\u0645\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0645\u0646 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0645\u062a\u0646\u0648\u0639\u0629 \u0648\u0627\u0644\u0645\u062a\u0637\u0648\u0631\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u062a\u062f\u0641\u0642\u0627\u062a \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0639\u0627\u0644\u0645\u064a\u060c \u0648\u0627\u0644\u062a\u062d\u062f\u064a \u0627\u0644\u062d\u0642\u064a\u0642\u064a \u064a\u0643\u0645\u0646 \u0641\u064a \u062a\u0648\u0638\u064a\u0641 \u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0628\u0641\u0639\u0627\u0644\u064a\u0629 \u0648\u0645\u0633\u0624\u0648\u0644\u064a\u0629\u060c \u0628\u0645\u0627 \u064a\u0636\u0645\u0646 \u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u0639\u0646\u0627\u0646 \u0644\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u060c \u0648\u062a\u0631\u0633\u064a\u062e \u0642\u064a\u0645 \u0627\u0644\u0639\u062f\u0627\u0644\u0629 \u0648\u0627\u0644\u062d\u0631\u064a\u0629\u060c \u0648\u0628\u0646\u0627\u0621 \u0627\u0642\u062a\u0635\u0627\u062f \u0623\u0643\u062b\u0631 \u0634\u0645\u0648\u0644\u0627\u064b \u0648\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0644\u0644\u0623\u062c\u064a\u0627\u0644 \u0627\u0644\u0642\u0627\u062f\u0645\u0629\u00bb.<\/em><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u062e\u0645\u0633 \u062d\u0642\u0627\u0626\u0642 \u0633\u0631\u064a\u0639\u0629 \u062d\u0648\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/h2>\n\n\n\n<p><strong>\u0633: \u0645\u0627 \u0645\u062f\u0649 \u0627\u0646\u062a\u0634\u0627\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u064a\u0646 \u0627\u0644\u0645\u062a\u062e\u0635\u0635\u064a\u0646 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a\u061f<\/strong><\/p>\n\n\n\n<p>\u062c: \u064a\u0639\u062a\u0645\u062f 59% \u0645\u0646 \u0642\u0627\u062f\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u064a\u0648\u0645 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0636\u0645\u0646 \u0623\u0639\u0645\u0627\u0644\u0647\u0645\u060c \u0648\u0647\u064a \u0642\u0641\u0632\u0629 \u0646\u0648\u0639\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0646\u0633\u0628\u0629 37% \u0627\u0644\u0645\u0633\u062c\u0644\u0629 \u0642\u0628\u0644 \u0639\u0627\u0645\u064a\u0646 \u0641\u0642\u0637.<\/p>\n\n\n\n<p><strong>\u0633: \u0645\u0627 \u0645\u062f\u0649 \u0633\u0631\u0639\u0629 \u0646\u0645\u0648 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0627\u0644\u0645\u064a\u0627\u064b\u061f<\/strong><\/p>\n\n\n\n<p>\u062c: \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0635\u0644 \u062d\u062c\u0645 \u0633\u0648\u0642 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0625\u0644\u0649 460.76 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u0639\u0627\u0645 2026\u060c \u0645\u0639 \u062a\u0648\u0642\u0639\u0627\u062a \u0628\u0623\u0646 \u062a\u062a\u0633\u0627\u0631\u0639 \u0648\u062a\u064a\u0631\u0629 \u0627\u0644\u0646\u0645\u0648 \u0644\u062a\u0635\u0644 \u0625\u0644\u0649 1.76 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2034.<\/p>\n\n\n\n<p><strong>\u0633: \u0647\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u062d\u0644 \u0645\u0639\u0636\u0644\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u061f<\/strong><\/p>\n\n\n\n<p>\u062c: \u062a\u0634\u064a\u0631 \u0625\u062d\u062f\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0634\u063a\u0644\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0625\u0644\u0649 \u0623\u0646 \u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0636\u0645\u0646 \u0623\u0646\u0638\u0645\u062a\u0647\u0627 \u0623\u0633\u0647\u0645 \u0641\u064a \u0631\u0641\u0639 \u0645\u0639\u062f\u0644\u0627\u062a \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 300%.<\/p>\n\n\n\n<p><strong>\u0633: \u0647\u0644 \u064a\u062a\u062c\u0647 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0645\u062c \u0646\u062d\u0648 \u062a\u062d\u0642\u064a\u0642 \u0627\u0646\u062a\u0634\u0627\u0631 \u0648\u0627\u0633\u0639\u061f<\/strong><\/p>\n\n\n\n<p>\u062c: \u0642\u064f\u062f\u0651\u0631\u062a \u0642\u064a\u0645\u0629 \u0633\u0648\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0645\u062c \u0628\u0646\u062d\u0648 111 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0641\u064a \u0639\u0627\u0645 2024\u060c \u0645\u0639 \u062a\u0648\u0642\u0639\u0627\u062a \u0628\u0627\u0631\u062a\u0641\u0627\u0639\u0647\u0627 \u0625\u0644\u0649 613 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2030.<\/p>\n\n\n\n<p><strong>\u0633: \u0647\u0644 \u062a\u0633\u0647\u0645 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u062a\u0648\u0633\u064a\u0639 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0627\u0644\u0645\u064a\u0627\u064b\u061f<\/strong><\/p>\n\n\n\n<p>\u062c: \u064a\u0645\u062a\u0644\u0643 \u0646\u062d\u0648 79% \u0645\u0646 \u0627\u0644\u0628\u0627\u0644\u063a\u064a\u0646 \u062d\u0648\u0644 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href=\"https:\/\/www.gartner.com\/en\/newsroom\/press-releases\/2025-11-18-gartner-survey-shows-finance-ai-adoption-remains-steady-in-2025\">https:\/\/www.gartner.com\/en\/newsroom\/press-releases\/2025-11-18-gartner-survey-shows-finance-ai-adoption-remains-steady-in-2025<\/a>\r\n\r\n<a href=\"#_ftnref2\" name=\"_ftn2\">[2]<\/a> <a href=\"https:\/\/asianbankingandfinance.net\/banking-technology\/in-focus\/banks-ai-adoption-shape-cost-and-revenue-advantage\">https:\/\/asianbankingandfinance.net\/banking-technology\/in-focus\/banks-ai-adoption-shape-cost-and-revenue-advantage<\/a>\r\n\r\n<a href=\"#_ftnref3\" name=\"_ftn3\">[3]<\/a> <a href=\"https:\/\/electroiq.com\/stats\/ai-in-finance-statistics\">https:\/\/electroiq.com\/stats\/ai-in-finance-statistics<\/a>\r\n\r\n<a href=\"#_ftnref4\" name=\"_ftn4\">[4]<\/a> <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html\">https:\/\/www.globenewswire.com\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html<\/a>\r\n\r\n<a href=\"#_ftnref5\" name=\"_ftn5\">[5]<\/a> <a href=\"https:\/\/asianbankingandfinance.net\/banking-technology\/in-focus\/banks-ai-adoption-shape-cost-and-revenue-advantage\">https:\/\/asianbankingandfinance.net\/banking-technology\/in-focus\/banks-ai-adoption-shape-cost-and-revenue-advantage<\/a>\r\n\r\n<a href=\"#_ftnref6\" name=\"_ftn6\">[6]<\/a> <a href=\"https:\/\/www.fortunebusinessinsights.com\/fintech-market-108641\">https:\/\/www.fortunebusinessinsights.com\/fintech-market-108641<\/a>\r\n\r\n<a href=\"#_ftnref7\" name=\"_ftn7\">[7]<\/a> <a href=\"https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/insurance\/financial-crime-in-the-insurance-industry.html\">https:\/\/www.pwc.com\/gx\/en\/industries\/financial-services\/insurance\/financial-crime-in-the-insurance-industry.html<\/a>\r\n\r\n<a href=\"#_ftnref8\" name=\"_ftn8\">[8]<\/a> <a href=\"https:\/\/www.globenewswire.com\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html\">https:\/\/www.globenewswire.com\/news-release\/2025\/11\/25\/3194418\/0\/en\/AI-in-Financial-Services-Strategic-Intelligence-Report-2025-Opportunities-in-Enhancing-Cybersecurity-and-Fraud-Prevention-Automating-Complex-Workflows-and-Improving-Decision-making.html<\/a>\r\n\r\n<a href=\"#_ftnref9\" name=\"_ftn9\">[9]<\/a> <a href=\"https:\/\/www.imarcgroup.com\/insurtech-market\">https:\/\/www.imarcgroup.com\/insurtech-market<\/a>\r\n\r\n<a href=\"#_ftnref10\" name=\"_ftn10\">[10]<\/a> <a href=\"https:\/\/www.fbi.gov\/news\/press-releases\/fbi-releases-annual-internet-crime-report\">https:\/\/www.fbi.gov\/news\/press-releases\/fbi-releases-annual-internet-crime-report<\/a>\r\n\r\n<a href=\"#_ftnref11\" name=\"_ftn11\">[11]<\/a> <a href=\"https:\/\/www.deloitte.com\/in\/en\/services\/consulting\/services\/deloitte-forensic.html\">https:\/\/www.deloitte.com\/in\/en\/services\/consulting\/services\/deloitte-forensic.html<\/a>\r\n\r\n<a href=\"#_ftnref12\" name=\"_ftn12\">[12]<\/a> <a href=\"https:\/\/www.precedenceresearch.com\/embedded-finance-market\">https:\/\/www.precedenceresearch.com\/embedded-finance-market<\/a>\r\n\r\n<a href=\"#_ftnref13\" name=\"_ftn13\">[13]<\/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=\"#_ftnref14\" name=\"_ftn14\">[14]<\/a> <a href=\"https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7\">https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7<\/a>\r\n\r\n<a href=\"#_ftnref15\" name=\"_ftn15\">[15]<\/a> <a href=\"https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7\">https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7<\/a>\r\n\r\n<a href=\"#_ftnref16\" name=\"_ftn16\">[16]<\/a> <a href=\"https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7\">https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7<\/a>\r\n\r\n<a href=\"#_ftnref17\" name=\"_ftn17\">[17]<\/a> <a href=\"https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7\">https:\/\/openknowledge.worldbank.org\/entities\/publication\/8b9002b6-d8dd-426c-aa7c-6d7d16902cd7<\/a>\r\n\r\n<a href=\"#_ftnref18\" name=\"_ftn18\">[18]<\/a> Micro, Small &amp; Medium Enterprises"],"_footnotes":["field_66fd39afb9383"],"business_sector":["\u0627\u0644\u062e\u062f\u0645\u0627\u062a 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\u0639\u0644\u0649 \u0623\u0639\u062a\u0627\u0628 \u062a\u062d\u0648\u0651\u0644 \u062c\u0630\u0631\u064a \u062a\u0642\u0648\u062f\u0647 \u0627\u0644\u0637\u0641\u0631\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u0629\u060c \u0648\u0641\u064a \u0645\u0642\u062f\u0645\u062a\u0647\u0627 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a. \u0625\u0630 \u062a\u0641\u062a\u062d \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062b\u0648\u0631\u064a\u0629 \u0622\u0641\u0627\u0642\u0627\u064b \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u0635\u064a\u0627\u063a\u0629 \u0645\u0646\u0638\u0648\u0645\u0627\u062a\u0646\u0627 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0628\u0645\u0627 \u064a\u0639\u0632\u0632 \u062c\u0627\u0647\u0632\u064a\u062a\u0647\u0627 \u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644."],"_summary":["field_6019304103a20"],"mobile_featured_image":["https:\/\/cms.alj3.clients.lemonhq.io\/wp-content\/themes\/alj\/assets\/images\/defaultmobilethumb.jpg"],"_mobile_featured_image":["field_66f6b4bee65f3"],"push_notification":[""],"_push_notification":["field_66f6b47de65f1"],"publish_mobile":["0"],"_publish_mobile":["field_66f6b491e65f2"],"_ame_cpe_post_policy":["{\"accessProtection\":{\"active\":\"replace\"}}"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_yoast_wpseo_title":["\u0647\u0644 \u064a\u0642\u0648\u062f \u0627\u0644\u062a\u062d\u0648\u064e\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a\u061f | \u00ae\u0639\u0628\u062f \u0627\u0644\u0644\u0637\u064a\u0641 \u062c\u0645\u064a\u0644"],"_yoast_wpseo_metadesc":["\u064a\u0642\u0641 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