{"id":4702,"date":"2026-09-01T20:53:59","date_gmt":"2026-09-01T20:53:59","guid":{"rendered":"https:\/\/onyx.ma\/?p=4702"},"modified":"2026-09-02T00:50:28","modified_gmt":"2026-09-02T00:50:28","slug":"%d8%a7%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a9-2030-%d8%b1%d9%82%d9%85%d9%86%d8%a9-%d8%a7%d9%84%d8%ad%d8%a7%d9%86%d9%88%d8%aa-%d8%a7%d9%84%d9%85%d8%ba%d8%b1%d8%a8%d9%8a%d8%a9","status":"publish","type":"post","link":"https:\/\/onyx.ma\/ar\/%d8%a7%d9%84%d8%aa%d8%ac%d8%a7%d8%b1%d8%a9-2030-%d8%b1%d9%82%d9%85%d9%86%d8%a9-%d8%a7%d9%84%d8%ad%d8%a7%d9%86%d9%88%d8%aa-%d8%a7%d9%84%d9%85%d8%ba%d8%b1%d8%a8%d9%8a%d8%a9\/","title":{"rendered":"\u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030: \u0643\u064a\u0641 \u064a\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u063a\u0631\u0628 \u062d\u0648\u0627\u0646\u064a\u062a \u0627\u0644\u0623\u062d\u064a\u0627\u0621 \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u064a\u0639 \u0635\u063a\u064a\u0631\u0629 \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629"},"content":{"rendered":"<p>\u0644\u0637\u0627\u0644\u0645\u0627 \u0627\u0639\u062a\u0645\u062f \u0627\u0644\u062d\u0627\u0646\u0648\u062a \u0627\u0644\u0645\u063a\u0631\u0628\u064a &#8211; \u0627\u0644\u0645\u062a\u062c\u0631 \u0627\u0644\u0635\u063a\u064a\u0631 \u0627\u0644\u0630\u064a \u062a\u062f\u064a\u0631\u0647 \u0627\u0644\u0639\u0627\u0626\u0644\u0629 \u0641\u064a \u0627\u0644\u0623\u062d\u064a\u0627\u0621 \u0648\u0627\u0644\u0630\u064a \u064a\u0634\u0643\u0644 \u0645\u062d\u0648\u0631 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u062f\u0646 \u0648\u0627\u0644\u0642\u0631\u0649 \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621 &#8211; \u0639\u0644\u0649 \u0627\u0644\u0646\u0642\u062f \u0648\u0627\u0644\u062b\u0642\u0629 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u064a\u062f\u0648\u064a\u0629. \u0644\u0643\u0646 \u0647\u0630\u0627 \u064a\u062a\u063a\u064a\u0631 \u0627\u0644\u0622\u0646 \u0628\u0633\u0631\u0639\u0629. \u0641\u064a \u0625\u0637\u0627\u0631 \u062e\u0631\u064a\u0637\u0629 \u0637\u0631\u064a\u0642 <strong>\u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030<\/strong>\u060c \u0648\u0642\u0651\u0639\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0633\u0644\u0633\u0644\u0629 \u0645\u0646 \u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u0646\u0627\u0634\u0626\u0629 \u0645\u063a\u0631\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062a\u062d\u0648\u064a\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0625\u0644\u0649 \u0646\u0642\u0627\u0637 \u0628\u064a\u0639 \u0645\u062a\u0635\u0644\u0629 \u0631\u0642\u0645\u064a\u0627\u064b \u0648\u0645\u0631\u0627\u0643\u0632 \u0648\u0635\u0648\u0644 \u0645\u0627\u0644\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a. \u0627\u0644\u0637\u0645\u0648\u062d \u0644\u064a\u0633 \u0645\u062a\u0648\u0627\u0636\u0639\u0627\u064b: \u0631\u0628\u0637 50,000 \u0645\u062a\u062c\u0631 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0646\u0635\u0629 \u062a\u0648\u0632\u064a\u0639 \u0631\u0642\u0645\u064a\u0629 \u0648\u0637\u0646\u064a\u0629\u060c \u0648\u0646\u0634\u0631 20,000 \u0645\u062d\u0637\u0629 \u062f\u0641\u0639 \u0630\u0643\u064a\u0629\u060c \u0648\u062a\u062c\u0647\u064a\u0632 100,000 \u062a\u0627\u062c\u0631 \u0642\u0631\u0628 \u0628\u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a &#8211; \u0643\u0644 \u0630\u0644\u0643 \u0628\u062d\u0644\u0648\u0644 \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0639\u0642\u062f.<\/p>\n<blockquote>\n<h3>\u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/h3>\n<ul>\n<li>\u0639\u064a\u064e\u0651\u0646\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 <strong>Z.Systems<\/strong> \u0643\u0645\u0646\u0635\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0648\u0632\u064a\u0639\u060c \u0645\u0633\u062a\u0647\u062f\u0641\u0629 <strong>50,000 \u062a\u0627\u062c\u0631 \u062a\u062c\u0632\u0626\u0629 \u0628\u062d\u0644\u0648\u0644 2030<\/strong>\u060c \u0628\u064a\u0646\u0645\u0627 \u0633\u062a\u0642\u0648\u0645 <strong>Woliz<\/strong> \u0628\u0646\u0634\u0631 <strong>20,000 \u0645\u062d\u0637\u0629 \u062f\u0641\u0639 \u0645\u062a\u0635\u0644\u0629<\/strong> \u0648\u062a\u0648\u0633\u064a\u0639 \u062a\u0637\u0628\u064a\u0642 Woliz Pro \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 <strong>90,000 \u062a\u0627\u062c\u0631<\/strong>.<\/li>\n<li>\u064a\u0647\u062f\u0641 \u0628\u0631\u0648\u062a\u0648\u0643\u0648\u0644 \u0645\u0646\u0641\u0635\u0644 \u0645\u0639 <strong>Chari \u0648\u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f \u0648\u0627\u0644\u0628\u0631\u064a\u062f \u0643\u0627\u0634<\/strong> \u0625\u0644\u0649 \u062a\u062c\u0647\u064a\u0632 <strong>100,000 \u062a\u0627\u062c\u0631 \u0642\u0631\u0628<\/strong> \u0628\u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0631\u0642\u0645\u064a\u0629\u060c \u0645\u0639 \u062f\u0639\u0645 \u0627\u0644\u062f\u0648\u0644\u0629 \u0644\u0644\u0645\u062a\u0628\u0646\u064a\u0646 \u0627\u0644\u0623\u0648\u0627\u0626\u0644.<\/li>\n<li>\u062f\u0639\u0645 <strong>\u0645\u064f\u0633\u0631\u0651\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u063a\u0631\u0628\u064a (MRTB)<\/strong> \u0628\u0627\u0644\u0641\u0639\u0644 <strong>161 \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629<\/strong> \u0648\u064a\u062e\u0637\u0637 \u0644\u0627\u062d\u062a\u0636\u0627\u0646 <strong>300 \u0634\u0631\u0643\u0629 \u0623\u062e\u0631\u0649<\/strong> \u0628\u064a\u0646 2025 \u06482027\u060c \u0645\u0645\u0627 \u064a\u062e\u0644\u0642 \u0645\u0633\u0627\u0631\u0627\u064b \u0645\u062e\u0635\u0635\u0627\u064b \u0644\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629.<\/li>\n<li>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629\u060c \u062a\u062e\u0644\u0642 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 <strong>\u0633\u0648\u0642 \u062a\u0648\u0632\u064a\u0639 \u0645\u062f\u0639\u0648\u0645\u0627\u064b \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629<\/strong> \u0628\u0623\u0647\u062f\u0627\u0641 \u0639\u062f\u062f\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u0634\u0631\u0643\u0627\u0621 \u0645\u0624\u0633\u0633\u0627\u062a\u064a\u064a\u0646 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u062d\u062a\u0643\u0627\u0643 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0641\u064a \u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0648\u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0627\u062a \u0648\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u0643\u062e\u062f\u0645\u0629 (SaaS).<\/li>\n<li>\u062a\u0645\u062b\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628 \u062d\u0627\u0644\u064a\u0627\u064b <strong>0.5% \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a<\/strong>\u061b \u0648\u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 <strong>10 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062f\u0631\u0647\u0645 \u0628\u062d\u0644\u0648\u0644 2025<\/strong> \u0648<strong>20 \u0645\u0644\u064a\u0627\u0631 \u062f\u0631\u0647\u0645 \u0628\u062d\u0644\u0648\u0644 2030<\/strong>\u060c \u0645\u0639 \u0639\u0645\u0644 \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0627\u0644\u0645\u0631\u0642\u0645\u0646\u0629 \u0643\u0646\u0642\u0627\u0637 \u0627\u0633\u062a\u0644\u0627\u0645 \u0627\u0644\u0645\u064a\u0644 \u0627\u0644\u0623\u062e\u064a\u0631 \u0648\u0639\u0642\u062f \u062a\u0644\u0628\u064a\u0629 \u0645\u0635\u063a\u0631\u0629.<\/li>\n<\/ul>\n<\/blockquote>\n<h2 id=\"the-commerce-2030-vision\">\u0631\u0624\u064a\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030<\/h2>\n<p>\u062a\u0642\u0639 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0636\u0645\u0646 \u0627\u0644\u0645\u062d\u0627\u0648\u0631 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0645\u062e\u0637\u0637 \u0627\u0644\u0645\u063a\u0631\u0628 \u0627\u0644\u0642\u0637\u0627\u0639\u064a \u0644\u0644\u062a\u062c\u0627\u0631\u0629. \u0648\u0642\u062f \u0635\u0627\u063a\u062a \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0631\u0624\u064a\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u062d\u0648\u0644 \u062b\u0644\u0627\u062b \u0623\u0648\u0644\u0648\u064a\u0627\u062a \u0645\u062a\u0631\u0627\u0628\u0637\u0629: <strong>\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a<\/strong>\u060c \u0648<strong>\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0631\u0642\u0645\u064a<\/strong>\u060c \u0648\u062a\u062d\u062f\u064a\u062b \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062c\u0645\u0644\u0629 \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u062a\u0648\u0631\u064a\u062f. \u0648\u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0627\u0644\u0639\u0645\u0644 \u0643\u0645\u0646\u0638\u0645 \u0641\u0642\u0637\u060c \u062a\u0636\u0639 \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0646\u0641\u0633\u0647\u0627 \u0643\u0635\u0627\u0646\u0639 \u0633\u0648\u0642 \u0646\u0634\u0637 &#8211; \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0642\u064a\u0639 \u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0631\u0633\u0645\u064a\u0629 \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u0646\u0627\u0634\u0626\u0629 \u064a\u0645\u0643\u0646\u0647\u0627 \u062a\u0648\u0641\u064a\u0631 \u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0648\u0628\u0646\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0627\u0631 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639.<\/p>\n<p>\u064a\u064f\u0639\u062f <strong>\u0645\u064f\u0633\u0631\u0651\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u063a\u0631\u0628\u064a (MRTB)<\/strong>\u060c \u0627\u0644\u0630\u064a \u0623\u064f\u0637\u0644\u0642 \u0628\u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u062c\u0627\u0645\u0639\u0629 \u0645\u062d\u0645\u062f \u0627\u0644\u0633\u0627\u062f\u0633 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u062a\u062e\u0635\u0635\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0648\u0645\u0624\u0633\u0633\u0629 OCP\u060c \u0642\u0646\u0627\u0629 \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0644\u0644\u062d\u0636\u0627\u0646\u0629 \u0648\u0627\u0644\u062a\u0633\u0631\u064a\u0639 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u062a\u062d\u0648\u0644. \u0648\u064a\u0648\u0635\u0641 \u0628\u0623\u0646\u0647 \u0623\u0648\u0644 \u0645\u0646\u0635\u0629 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628 \u0645\u062e\u0635\u0635\u0629 \u062d\u0635\u0631\u064a\u0627\u064b \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629. \u0648\u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0648\u0632\u0627\u0631\u0629\u060c \u062f\u0639\u0645 MRTB \u0628\u0627\u0644\u0641\u0639\u0644 <strong>161 \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629<\/strong>\u060c \u0648\u062a\u0633\u062a\u0647\u062f\u0641 \u0645\u0631\u062d\u0644\u0629 \u062b\u0627\u0646\u064a\u0629 \u062a\u0645\u062a\u062f \u0645\u0646 2025 \u0625\u0644\u0649 2027 <strong>300 \u0645\u0634\u0631\u0648\u0639 \u0625\u0636\u0627\u0641\u064a<\/strong>. \u0643\u0645\u0627 \u0642\u0627\u0645 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0628\u062f\u0645\u062c <strong>4,500 \u062a\u0627\u062c\u0631 \u0635\u063a\u064a\u0631<\/strong> \u0631\u0642\u0645\u064a\u0627\u064b \u0639\u0628\u0631 \u0645\u0646\u0635\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u0648\u0623\u0646\u0634\u0623 <strong>200 \u0646\u0642\u0637\u0629 \u062a\u0633\u0644\u064a\u0645<\/strong> \u0641\u064a \u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0642\u0631\u0628 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<\/p>\n<p>\u062a\u0623\u062a\u064a \u0647\u0630\u0647 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0636\u0645\u0646 \u0637\u0645\u0648\u062d \u0648\u0637\u0646\u064a \u0623\u0648\u0633\u0639 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u062a\u0645\u062b\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628 \u062d\u0627\u0644\u064a\u0627\u064b \u062d\u0648\u0627\u0644\u064a <strong>0.5% \u0645\u0646 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a<\/strong>\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0645\u062a\u0648\u0633\u0637 \u0639\u0627\u0644\u0645\u064a \u064a\u0642\u0627\u0631\u0628 5%. \u0648\u062a\u062a\u0637\u0644\u0628 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u062d\u0643\u0648\u0645\u0629 &#8211; <strong>10 \u0645\u0644\u064a\u0627\u0631\u0627\u062a \u062f\u0631\u0647\u0645 \u0628\u062d\u0644\u0648\u0644 2025<\/strong> \u0648<strong>20 \u0645\u0644\u064a\u0627\u0631 \u062f\u0631\u0647\u0645 \u0628\u062d\u0644\u0648\u0644 2030<\/strong> &#8211; \u0628\u0646\u0627\u0621 \u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u064a\u0644 \u0627\u0644\u0623\u062e\u064a\u0631 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0648\u0641\u0631\u0647\u0627 \u0625\u0644\u0627 \u0634\u0628\u0643\u0629 \u0643\u062b\u064a\u0641\u0629 \u0645\u0646 \u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0623\u062d\u064a\u0627\u0621.<\/p>\n<h2 id=\"the-startup-partnerships-driving-the-shift\">\u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u0648\u062f \u0627\u0644\u062a\u062d\u0648\u0644<\/h2>\n<p>\u064a\u0631\u062a\u0643\u0632 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0639\u0644\u0649 \u0633\u0644\u0633\u0644\u0629 \u0645\u0646 \u0627\u0644\u0627\u062a\u0641\u0627\u0642\u064a\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0628\u064a\u0646 \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0645\u063a\u0631\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u0648\u062a\u0633\u062a\u0647\u062f\u0641 \u0643\u0644 \u0634\u0631\u0627\u0643\u0629 \u0637\u0628\u0642\u0629 \u0645\u062a\u0645\u064a\u0632\u0629 \u0645\u0646 \u0645\u0646\u0638\u0648\u0645\u0629 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062d\u0627\u0646\u0648\u062a.<\/p>\n<h3>Z.Systems: \u0637\u0628\u0642\u0629 \u0627\u0644\u062a\u0648\u0632\u064a\u0639 \u0627\u0644\u0648\u0637\u0646\u064a\u0629<\/h3>\n<p>\u062a\u0645 \u062a\u0639\u064a\u064a\u0646 Z.Systems <strong>\u0643\u0645\u0646\u0635\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u0648\u0632\u064a\u0639<\/strong>\u060c \u0628\u062a\u0641\u0648\u064a\u0636 \u0644\u0631\u0628\u0637 <strong>50,000 \u062a\u0627\u062c\u0631 \u062a\u062c\u0632\u0626\u0629 \u0631\u0642\u0645\u064a\u0627\u064b \u0628\u062d\u0644\u0648\u0644 2030<\/strong>. \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u0646\u0635\u0629 \u0645\u062c\u0631\u062f \u0643\u062a\u0627\u0644\u0648\u062c \u0637\u0644\u0628\u0627\u062a \u0628\u0633\u064a\u0637: \u0641\u0647\u064a \u062a\u0648\u0641\u0631 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0648\u0635\u0648\u0644\u0627\u064b \u0645\u0628\u0627\u0634\u0631\u0627\u064b \u0625\u0644\u0649 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0627\u0644\u0645\u0648\u0632\u0639\u064a\u0646 &#8211; \u0645\u062a\u062c\u0627\u0648\u0632\u0629 \u0627\u0644\u0648\u0633\u0637\u0627\u0621 \u0627\u0644\u0645\u062c\u0632\u0623\u064a\u0646 &#8211; \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u0628\u0631\u0627\u0645\u062c \u0648\u0644\u0627\u0621 \u0645\u062f\u0645\u062c\u0629 \u0648\u0645\u062d\u0627\u0641\u0638 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0624\u0645\u0646\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0646\u0642\u062f\u064a\u0629. \u0648\u0642\u062f \u0633\u0645\u0649 \u0627\u0644\u0648\u0632\u064a\u0631 \u0631\u064a\u0627\u0636 \u0645\u0632\u0648\u0631 Z.Systems \u0639\u0644\u0646\u0627\u064b \u0636\u0645\u0646 \u0639\u0634\u0631 \u0634\u0631\u0643\u0627\u062a \u0646\u0627\u0634\u0626\u0629 \u0645\u063a\u0631\u0628\u064a\u0629 \u062a\u062a\u0644\u0642\u0649 \u062f\u0639\u0645\u0627\u064b \u0645\u0639\u0632\u0632\u0627\u064b \u0645\u0646 \u0627\u0644\u0648\u0632\u0627\u0631\u0629.<\/p>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062d\u0648\u0627\u0646\u064a\u062a\u060c \u064a\u0639\u0646\u064a \u0647\u0630\u0627 \u0623\u0646 \u0627\u0644\u0637\u0644\u0628 \u0648\u0627\u0644\u062a\u062c\u062f\u064a\u062f \u064a\u0635\u0628\u062d\u0627\u0646 \u0631\u0642\u0645\u064a\u064a\u0646 \u0648\u0642\u0627\u0628\u0644\u064a\u0646 \u0644\u0644\u062a\u062a\u0628\u0639\u060c \u0645\u0645\u0627 \u064a\u0648\u0644\u062f \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646\u0638\u0645\u0629 \u062d\u0648\u0644 \u0648\u062d\u062f\u0627\u062a \u0627\u0644\u062d\u0641\u0638 \u0648\u0627\u0644\u062a\u062e\u0632\u064a\u0646 (SKU) \u0648\u0627\u0644\u0623\u062d\u062c\u0627\u0645 \u0648\u0627\u0644\u0647\u0648\u0627\u0645\u0634. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646\u060c \u062a\u0639\u0645\u0644 Z.Systems \u0641\u0639\u0644\u064a\u0627\u064b <strong>\u0643\u0637\u0628\u0642\u0629 \u0628\u064a\u0627\u0646\u0627\u062a B2B2C<\/strong> \u062a\u063a\u0637\u064a \u0639\u0634\u0631\u0627\u062a \u0627\u0644\u0622\u0644\u0627\u0641 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631\u060c \u0645\u0645\u0627 \u064a\u0641\u062a\u062d \u0641\u0631\u0635\u0627\u064b \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0648\u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0629 \u0644\u0644\u0633\u0644\u0639 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u062a\u062d\u0633\u064a\u0646 \u0644\u0648\u062c\u0633\u062a\u064a\u0627\u062a \u0627\u0644\u0637\u0631\u064a\u0642 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642.<\/p>\n<h3>Woliz: \u0627\u0644\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629 \u0648\u0646\u0638\u0627\u0645 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u062a\u0627\u062c\u0631<\/h3>\n<p>\u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0631\u0626\u064a\u0633\u064a\u0629 \u062b\u0627\u0646\u064a\u0629 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 <strong>Woliz<\/strong>\u060c \u0627\u0644\u062a\u064a \u0633\u062a\u0646\u0634\u0631 <strong>20,000 \u0645\u062d\u0637\u0629 \u062f\u0641\u0639 \u0645\u062a\u0635\u0644\u0629<\/strong> \u0641\u064a \u0645\u0631\u062d\u0644\u062a\u0647\u0627 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648\u062a\u0648\u0633\u0639 \u062a\u0637\u0628\u064a\u0642 <strong>Woliz Pro<\/strong> \u0644\u064a\u0635\u0644 \u0625\u0644\u0649 <strong>90,000 \u062a\u0627\u062c\u0631<\/strong> \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0648\u0637\u0646\u064a. \u064a\u062c\u0645\u0639 Woliz Pro \u0642\u0628\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u0645\u0639 \u0623\u062f\u0648\u0627\u062a \u0625\u062f\u0627\u0631\u0629 \u062a\u0634\u0645\u0644 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u0646\u0642\u062f\u064a \u0648\u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u062a\u062a\u0628\u0639 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a. \u0643\u0645\u0627 \u0634\u0643\u0644\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0634\u0631\u0627\u0643\u0627\u062a \u062f\u0641\u0639 \u0645\u0639 <strong>Attijari Payment<\/strong> \u0648<strong>Visa<\/strong>\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u062a\u062d\u0631\u0643 \u0646\u062d\u0648 \u0642\u0627\u0628\u0644\u064a\u0629 \u062a\u0634\u063a\u064a\u0644 \u0628\u064a\u0646\u064a \u0648\u0627\u0633\u0639\u0629 \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a. \u0641\u064a \u064a\u0646\u0627\u064a\u0631 2026\u060c \u062c\u0645\u0639\u062a Woliz <strong>2.2 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631<\/strong> \u0644\u062a\u0633\u0631\u064a\u0639 \u062c\u0647\u0648\u062f \u0631\u0642\u0645\u0646\u0629 \u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0641\u064a \u0627\u0644\u0623\u062d\u064a\u0627\u0621.<\/p>\n<p>\u0627\u0644\u0622\u062b\u0627\u0631 \u062a\u062a\u062c\u0627\u0648\u0632 \u0628\u0643\u062b\u064a\u0631 \u0645\u062c\u0631\u062f \u0627\u0644\u062f\u0641\u0639. \u062a\u0635\u0628\u062d \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 &#8211; \u0627\u0644\u0645\u0628\u0644\u063a \u0648\u0627\u0644\u0648\u0642\u062a \u0648\u0627\u0644\u062f\u0627\u0641\u0639 \u0648\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 &#8211; \u0645\u062a\u0627\u062d\u0629 \u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0648\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0648\u0625\u0639\u062f\u0627\u062f \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u062a\u0639\u0645\u0644 \u0634\u0628\u0643\u0629 Woliz \u0643\u0633\u0643\u0629 \u062a\u0648\u0632\u064a\u0639 \u0644\u0644\u0625\u0642\u0631\u0627\u0636 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062e\u062f\u0645\u0627\u062a B2B \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0647\u0627 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a (APIs) \u0641\u064a \u0645\u062d\u0637\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631.<\/p>\n<h3>Chari \u0648\u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f \u0648\u0627\u0644\u0628\u0631\u064a\u062f \u0643\u0627\u0634: \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639<\/h3>\n<p>\u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062f\u0649 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0628\u0645\u0631\u0627\u0643\u0634\u060c \u0648\u0642\u0639\u062a \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0628\u0631\u0648\u062a\u0648\u0643\u0648\u0644\u0627\u064b \u0645\u0639 <strong>\u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f<\/strong> \u0648<strong>\u0627\u0644\u0628\u0631\u064a\u062f \u0643\u0627\u0634<\/strong> \u0648\u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 <strong>Chari<\/strong> \u0644\u062a\u062c\u0647\u064a\u0632 <strong>100,000 \u062a\u0627\u062c\u0631 \u0642\u0631\u0628<\/strong> \u0628\u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0631\u0642\u0645\u064a\u0629. \u064a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0635\u0631\u0627\u062d\u0629 \u0642\u0628\u0648\u0644 \u0628\u0637\u0627\u0642\u0627\u062a Visa \u0648Mastercard \u0648\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0648\u0627\u0644\u0645\u0634\u0627\u0631\u0643\u0629 \u0627\u0644\u0623\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0642\u062f \u0627\u0644\u062a\u0632\u0645\u062a \u0627\u0644\u062f\u0648\u0644\u0629 \u0628\u062f\u0639\u0645 \u0623\u0648\u0644 100,000 \u062a\u0627\u062c\u0631 \u064a\u062a\u0628\u0646\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u062d\u0644\u0648\u0644.<\/p>\n<p>\u0648\u0627\u0644\u062c\u062f\u064a\u0631 \u0628\u0627\u0644\u0630\u0643\u0631 \u0623\u0646 \u0627\u0644\u0648\u0632\u064a\u0631 \u0645\u0632\u0648\u0631 \u0635\u0631\u062d \u0628\u0623\u0646 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0645\u0639 \u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f \u0648Chari \u0642\u062f \u062e\u0641\u0636 \u0628\u0627\u0644\u0641\u0639\u0644 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0645\u0646 <strong>1.7% \u0625\u0644\u0649 0.8%<\/strong> &#8211; \u0648\u0647\u0648 \u062a\u062d\u0633\u0646 \u0645\u0644\u0645\u0648\u0633 \u0641\u064a \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0627\u062a \u0627\u0644\u0648\u062d\u062f\u0629 \u0644\u0643\u0644 \u0645\u0646 \u0635\u063a\u0627\u0631 \u0627\u0644\u062a\u062c\u0627\u0631 \u0648\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0630\u064a\u0646 \u064a\u062e\u062f\u0645\u0648\u0646\u0647\u0645. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646\u060c \u064a\u062e\u0644\u0642 \u0647\u0630\u0627 \u0645\u0633\u0627\u0631 \u062a\u0633\u0648\u064a\u0642 \u0645\u062f\u0639\u0648\u0645\u0627\u064b \u0648\u062d\u0627\u0644\u0629 \u0639\u0645\u0644 \u0623\u0648\u0636\u062d \u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0630\u0627\u062a \u0627\u0644\u0647\u0627\u0645\u0634 \u0627\u0644\u0645\u0646\u062e\u0641\u0636 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646\u0647\u0627 \u0627\u0644\u0628\u064a\u0639 \u0627\u0644\u0645\u062a\u0642\u0627\u0637\u0639 \u0644\u062e\u062f\u0645\u0627\u062a \u0630\u0627\u062a \u0647\u0627\u0645\u0634 \u0623\u0639\u0644\u0649 \u0645\u062b\u0644 \u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646.<\/p>\n<h3>WafR: \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0643\u0645\u0631\u0627\u0643\u0632 \u0648\u0635\u0648\u0644 \u0645\u0627\u0644\u064a<\/h3>\n<p>\u062a\u0636\u0639 \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 <strong>WafR<\/strong> \u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062d\u0627\u0646\u0648\u062a \u0635\u0631\u0627\u062d\u0629 \u0643\u0646\u0642\u0627\u0637 \u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0645\u062d\u0648\u0644\u0629 \u0625\u064a\u0627\u0647\u0627 \u0625\u0644\u0649 \u0645\u0631\u0627\u0643\u0632 \u0645\u0627\u0644\u064a\u0629 \u0645\u062d\u0644\u064a\u0629. \u062a\u0633\u062a\u062e\u062f\u0645 \u0645\u0646\u0635\u062a\u0647\u0627 \u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0642\u0631\u0628 \u0643\u0646\u0642\u0627\u0637 \u062a\u0648\u0632\u064a\u0639 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8211; \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u062c\u062d \u062a\u0639\u0628\u0626\u0629 \u0627\u0644\u0631\u0635\u064a\u062f \u0648\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u0642\u0633\u0627\u0626\u0645 \u0648\u0627\u0644\u062d\u0648\u0627\u0644\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629. \u064a\u0648\u0644\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u062a\u062f\u0641\u0642\u0627\u062a \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0648\u0644\u0629 \u0644\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0645\u0639 \u0625\u0646\u062a\u0627\u062c \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u063a\u0646\u064a\u0629 \u062d\u0648\u0644 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0644\u0649 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u062f\u0642\u064a\u0642. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0624\u0633\u0633\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u064a\u0648\u0636\u062d \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0623\u0646 \u062a\u0639\u0645\u0644 \u0643\u0634\u0628\u0643\u0629 \u0648\u0643\u0644\u0627\u0621 \u0643\u062b\u064a\u0641\u0629 \u0648\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u062b\u0642\u0629 \u062f\u0648\u0646 \u062a\u0643\u0644\u0641\u0629 \u0628\u0646\u0627\u0621 \u0641\u0631\u0648\u0639 \u0645\u0627\u062f\u064a\u0629.<\/p>\n<h3>MRTB \u0648\u0627\u0644\u0639\u0645\u0648\u062f \u0627\u0644\u0641\u0642\u0631\u064a \u0627\u0644\u0645\u0635\u0631\u0641\u064a<\/h3>\n<p>\u0628\u0639\u064a\u062f\u0627\u064b \u0639\u0646 \u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0644\u0641\u0631\u062f\u064a\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629\u060c \u0628\u0646\u062a \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0633\u0642\u0627\u0644\u0627\u062a \u0645\u0624\u0633\u0633\u0627\u062a\u064a\u0629. \u062a\u0647\u062f\u0641 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062b\u0644\u0627\u062b\u064a\u0629 \u0628\u064a\u0646 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 <strong>\u0648\u0645\u062c\u0645\u0648\u0639\u0629 BCP<\/strong> \u0648\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062f\u0641\u0639 <strong>M2T<\/strong> \u0625\u0644\u0649 \u062a\u0639\u0632\u064a\u0632 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0645\u0639 \u0645\u0631\u0627\u0641\u0642\u0629 \u0634\u0631\u0643\u0627\u062a MRTB \u0627\u0644\u0646\u0627\u0634\u0626\u0629. \u062a\u0645\u0646\u062d \u0647\u0630\u0647 \u0627\u0644\u0634\u0631\u0627\u0643\u0629 \u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0633\u0643\u0643 \u062f\u0641\u0639 \u0645\u0646\u0638\u0645\u0629 \u0648\u062e\u0628\u0631\u0629 \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u062a\u062c\u0627\u0631\u0628 \u0645\u0635\u0645\u0645\u0629 \u0628\u0634\u0643\u0644 \u0645\u0634\u062a\u0631\u0643 \u0645\u0639 \u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0643\u0628\u0631\u0649 &#8211; \u0645\u0645\u0627 \u064a\u0642\u0644\u0644 \u0627\u062d\u062a\u0643\u0627\u0643 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0630\u064a \u064a\u0628\u0637\u0626 \u0639\u0627\u062f\u0629 \u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h2 id=\"from-cash-only-corner-shop-to-data-driven-micro-enterprise\">\u0645\u0646 \u0645\u062a\u062c\u0631 \u0632\u0627\u0648\u064a\u0629 \u0646\u0642\u062f\u064a \u0628\u062d\u062a \u0625\u0644\u0649 \u0645\u0634\u0631\u0648\u0639 \u0635\u063a\u064a\u0631 \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-4711\" src=\"https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB.webp\" alt=\"From Moroccan Hanout microshop to SMB\" width=\"1792\" height=\"1024\" srcset=\"https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB.webp 1792w, https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB-300x171.webp 300w, https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB-1024x585.webp 1024w, https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB-768x439.webp 768w, https:\/\/onyx.ma\/wp-content\/uploads\/2026\/09\/From-Moroccan-Hanout-microshop-to-SMB-1536x878.webp 1536w\" sizes=\"auto, (max-width: 1792px) 100vw, 1792px\" \/><br \/>\n\u064a\u0639\u064a\u062f \u062a\u0642\u0627\u0631\u0628 \u0647\u0630\u0647 \u0627\u0644\u0628\u0631\u0627\u0645\u062c \u062a\u0634\u0643\u064a\u0644 \u0645\u0627 \u064a\u0628\u062f\u0648 \u0639\u0644\u064a\u0647 \u0627\u0644\u062d\u0627\u0646\u0648\u062a \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a \u0645\u0646 \u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629. \u062a\u062a\u0643\u0634\u0641 \u0639\u062f\u0629 \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u064a \u0622\u0646 \u0648\u0627\u062d\u062f.<\/p>\n<p><strong>\u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a.<\/strong> \u062a\u062d\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0642\u0628\u0648\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u062d\u0644\u0648\u0644 Tap to Mobile \u0627\u0644\u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0647\u0648\u0627\u062a\u0641 \u0627\u0644\u0630\u0643\u064a\u0629 &#8211; \u0627\u0644\u062a\u064a \u062a\u0633\u0645\u062d \u0644\u0644\u062a\u062c\u0627\u0631 \u0628\u0642\u0628\u0648\u0644 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0639\u0628\u0631 \u0647\u0648\u0627\u062a\u0641 \u0623\u0646\u062f\u0631\u0648\u064a\u062f \u0627\u0644\u0645\u0632\u0648\u062f\u0629 \u0628\u062a\u0642\u0646\u064a\u0629 NFC \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0623\u062c\u0647\u0632\u0629 \u0646\u0642\u0627\u0637 \u0628\u064a\u0639 \u0645\u062e\u0635\u0635\u0629 &#8211; \u0645\u062d\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0627\u0644\u0628\u062d\u062a\u0629. \u064a\u0648\u0644\u062f \u0647\u0630\u0627 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0646\u0638\u0645\u0629 \u064a\u0645\u0643\u0646 \u062a\u062d\u0644\u064a\u0644\u0647\u0627 \u0644\u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0633\u0627\u0639\u0627\u062a \u0627\u0644\u0630\u0631\u0648\u0629 \u0648\u0634\u0631\u0627\u0626\u062d \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062f\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a.<\/p>\n<p><strong>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u0627\u0644\u0637\u0644\u0628\u0627\u062a.<\/strong> \u062a\u0642\u0648\u0645 \u0645\u0646\u0635\u0627\u062a \u0645\u062b\u0644 Z.Systems \u0628\u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0645\u0646 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0643\u0628\u0631\u0649 \u0648\u0627\u0644\u0645\u0648\u0632\u0639\u064a\u0646\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u062a\u064a\u062d \u0627\u0644\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u0645\u062a\u0635\u0644\u0629 \u0628\u0640 Woliz \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0627\u0644\u0646\u0641\u0627\u062f. \u0623\u0635\u0628\u062d \u0644\u062f\u0649 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0630\u064a\u0646 \u0643\u0627\u0646\u0648\u0627 \u064a\u0639\u062a\u0645\u062f\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u0630\u0627\u0643\u0631\u0629 \u0648\u0627\u0644\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u0627\u0644\u0648\u0631\u0642\u064a\u0629 \u0623\u062f\u0648\u0627\u062a \u0644\u062a\u062a\u0628\u0639 \u0645\u0627 \u064a\u064f\u0628\u0627\u0639 \u0648\u0645\u062a\u0649 \u0648\u0628\u0623\u064a \u0647\u0627\u0645\u0634.<\/p>\n<p><strong>\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0648\u0644\u0627\u0621.<\/strong> \u062a\u0646\u0634\u0626 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0648\u0644\u0627\u0621 \u0627\u0644\u0645\u062f\u0645\u062c\u0629 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0645\u0639\u0631\u0641\u0627\u062a \u0641\u0631\u064a\u062f\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u062a\u062a\u062a\u0628\u0639 \u0633\u0644\u0648\u0643 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u0646\u062a\u062c \u0648\u0627\u0644\u0645\u062a\u062c\u0631 &#8211; \u0648\u0647\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0627\u0646\u062a \u063a\u064a\u0631 \u0645\u0631\u0626\u064a\u0629 \u0633\u0627\u0628\u0642\u0627\u064b \u0641\u064a \u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629.<\/p>\n<p><strong>\u0627\u0644\u0627\u0646\u062f\u0645\u0627\u062c \u0627\u0644\u0645\u0627\u0644\u064a.<\/strong> \u062a\u0645\u0646\u062d \u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0631\u0628\u0637\u0647\u0627 \u0628\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0623\u0648\u0644 \u0645\u0631\u0629.<\/p>\n<p>\u0627\u0644\u0623\u062b\u0631 \u0627\u0644\u062a\u0631\u0627\u0643\u0645\u064a \u0647\u0648 \u0623\u0646 \u0627\u0644\u062d\u0627\u0646\u0648\u062a \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a \u0623\u0635\u0628\u062d <strong>\u0645\u0634\u0631\u0648\u0639\u0627\u064b \u0635\u063a\u064a\u0631\u0627\u064b \u0645\u0646\u062a\u062c\u0627\u064b \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong> \u0645\u0639 \u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0645\u0633\u062c\u0644\u0629 \u0631\u0642\u0645\u064a\u0627\u064b \u0648\u062a\u0641\u0627\u0639\u0644\u0627\u062a \u0639\u0645\u0644\u0627\u0621 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u062a\u0628\u0639 \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u0645\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0631\u0633\u0645\u064a. \u0648\u062a\u0643\u0645\u0644 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u062a\u062d\u062f\u064a\u062b \u0630\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0631\u0642\u064a\u0629 \u0627\u0644\u0645\u0639\u062f\u0627\u062a \u0648\u062f\u0639\u0645 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0639\u0627\u0645\u0644 \u0644\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u0633\u064a\u0648\u0644\u0629 \u0648\u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0635\u063a\u0627\u0631 \u0627\u0644\u062a\u062c\u0627\u0631.<\/p>\n<h2 id=\"what-this-unlocks-for-moroccan-founders-and-smes\">\u0645\u0627 \u064a\u0641\u062a\u062d\u0647 \u0647\u0630\u0627 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0645\u063a\u0631\u0628\u064a\u0629<\/h2>\n<p>\u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u0628\u0631\u0646\u0627\u0645\u062c \u0631\u0642\u0645\u0646\u0629 &#8211; \u0625\u0646\u0647\u0627 <strong>\u0633\u0648\u0642 \u062a\u0648\u0632\u064a\u0639 \u0645\u062f\u0639\u0648\u0645 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629<\/strong> \u0628\u0623\u0647\u062f\u0627\u0641 \u0639\u062f\u062f\u064a\u0629 \u0645\u062d\u062f\u062f\u0629 \u0648\u0634\u0631\u0643\u0627\u0621 \u0645\u0624\u0633\u0633\u0627\u062a\u064a\u064a\u0646. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0645\u0637\u0648\u0631\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0645\u063a\u0627\u0631\u0628\u0629\u060c \u064a\u062e\u0644\u0642 \u0647\u0630\u0627 \u0639\u062f\u0629 \u0645\u0632\u0627\u064a\u0627 \u0647\u064a\u0643\u0644\u064a\u0629.<\/p>\n<p><strong>\u0637\u0644\u0628 \u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u0646\u0628\u0624.<\/strong> \u062a\u062e\u0644\u0642 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0648\u0627\u0636\u062d\u0629 &#8211; 50,000 \u0645\u062a\u062c\u0631 \u0639\u0628\u0631 Z.Systems\u060c \u064820,000 \u0645\u062d\u0637\u0629 \u064890,000 \u062a\u0627\u062c\u0631 \u0639\u0628\u0631 Woliz\u060c \u0648100,000 \u062a\u0627\u062c\u0631 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0639\u0628\u0631 Chari \u0648\u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f &#8211; \u0637\u0644\u0628\u0627\u064b \u0645\u0646\u0638\u0648\u0631\u0627\u064b \u0644\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u0645\u0643\u064a\u0646\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u0643\u0645\u064a\u0644\u064a\u0629. \u064a\u0645\u0643\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0628\u0646\u0627\u0621 \u0628\u062b\u0642\u0629 \u0628\u0648\u062c\u0648\u062f \u0642\u0646\u0627\u0629 \u062a\u0648\u0632\u064a\u0639.<\/p>\n<p><strong>\u062a\u0642\u0644\u064a\u0644 \u0627\u062d\u062a\u0643\u0627\u0643 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0648\u0642.<\/strong> \u062a\u0639\u0645\u0644 \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0648BCP \u0648\u0628\u0646\u0643 \u0627\u0644\u0628\u0631\u064a\u062f \u0648M2T \u0643\u0634\u0631\u0643\u0627\u0621 \u062a\u0648\u0632\u064a\u0639\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0644\u0649 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u062c\u0627\u0631 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639. \u064a\u0648\u0641\u0631 MRTB \u0648\u0627\u0644\u062d\u0627\u0636\u0646\u0627\u062a \u0627\u0644\u0645\u062e\u0635\u0635\u0629 \u062f\u0639\u0645\u0627\u064b \u0645\u0624\u0633\u0633\u0627\u062a\u064a\u0627\u064b \u0648\u062a\u0648\u062c\u064a\u0647\u0627\u064b \u0648\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0633\u0643\u0643 \u062f\u0641\u0639 \u0645\u0646\u0638\u0645\u0629 \u0642\u062f \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u064a\u0647\u0627 \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0642\u0644 \u0633\u0646\u0648\u0627\u062a.<\/p>\n<p>\u062a\u0645\u062a\u062f \u062e\u0631\u064a\u0637\u0629 \u0641\u0631\u0635 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0639\u0628\u0631 \u0639\u062f\u0629 \u0637\u0628\u0642\u0627\u062a:<\/p>\n<ul>\n<li><strong>\u0646\u0638\u0627\u0645 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u0628\u0631\u0645\u062c\u064a\u0627\u062a \u0627\u0644\u0639\u0645\u0648\u062f\u064a\u0629 \u0643\u062e\u062f\u0645\u0629 (SaaS).<\/strong> \u0623\u062f\u0648\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u0644\u0645\u062e\u0632\u0648\u0646 \u0648\u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u062a\u062c\u0644\u0633 \u0641\u0648\u0642 \u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u062d\u0637\u0627\u062a \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629. \u062d\u0644\u0648\u0644 \u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0644\u0644\u0635\u064a\u062f\u0644\u064a\u0627\u062a \u0648\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0648\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u063a\u0630\u0627\u0626\u064a\u0629 \u0627\u0644\u0645\u062f\u0645\u062c\u0629 \u0641\u064a \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030.<\/li>\n<li><strong>\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0645\u062c\u0629.<\/strong> \u0625\u0642\u0631\u0627\u0636 \u0631\u0623\u0633 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0639\u0627\u0645\u0644 \u0648\u062d\u062f\u0648\u062f \u0627\u0626\u062a\u0645\u0627\u0646 \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0628\u064a\u0639\u0627\u062a \u062d\u0642\u064a\u0642\u064a\u0629. \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b (BNPL) \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u064a\u0646 \u0639\u0628\u0631 \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a\u060c \u0645\u062f\u0639\u0648\u0645\u0627\u064b \u0628\u0628\u064a\u0627\u0646\u0627\u062a \u0633\u0644\u0648\u0643\u064a\u0629 \u0645\u0646 \u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0648\u0644\u0627\u0621 \u0648\u0627\u0644\u062f\u0641\u0639. \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0635\u063a\u0631 \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0627\u0644\u0645\u0648\u0632\u0639\u0629 \u0639\u0628\u0631 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062c\u0631.<\/li>\n<li><strong>\u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0627\u062a \u0648\u0627\u0644\u0645\u064a\u0644 \u0627\u0644\u0623\u062e\u064a\u0631.<\/strong> \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u0633\u0627\u0631\u0627\u062a \u0648\u0623\u0633\u0627\u0637\u064a\u0644 \u0627\u0644\u062a\u0648\u0635\u064a\u0644 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0644\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a. \u062d\u0644\u0648\u0644 \u062a\u0644\u0628\u064a\u0629 \u0645\u0635\u063a\u0631\u0629 \u062d\u064a\u062b \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0645\u0631\u0642\u0645\u0646\u0629 \u0643\u0645\u0633\u062a\u0648\u062f\u0639\u0627\u062a \u062d\u0636\u0631\u064a\u0629 \u0644\u0637\u0631\u0648\u062f \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<\/li>\n<li><strong>\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a.<\/strong> \u0644\u0648\u062d\u0627\u062a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0644\u0644\u0648\u0632\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0645\u0631\u0627\u0642\u0628\u0629 \u0645\u0624\u0634\u0631\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0631\u0642\u0645\u0646\u0629. \u0645\u0646\u0635\u0627\u062a \u0627\u0633\u062a\u062e\u0628\u0627\u0631\u0627\u062a \u0644\u0644\u0633\u0644\u0639 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u062a\u062c\u0645\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062c\u0631 \u0645\u062c\u0647\u0648\u0644\u0629 \u0627\u0644\u0645\u0635\u062f\u0631 \u0644\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u0648\u0632\u0639\u064a\u0646.<\/li>\n<\/ul>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062a\u064a \u062a\u0632\u0648\u062f \u0627\u0644\u062a\u062c\u0627\u0631 &#8211; \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u062a\u062c\u0627\u0631 \u0627\u0644\u062c\u0645\u0644\u0629 \u0648\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0629 &#8211; \u062a\u0641\u062a\u062d \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0631\u0624\u064a\u0629 \u0623\u0641\u0636\u0644 \u0644\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0646\u0647\u0627\u0626\u064a\u0629 \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u0634\u063a\u064a\u0644 \u062d\u0645\u0644\u0627\u062a \u062a\u0633\u0648\u064a\u0642 \u062a\u062c\u0627\u0631\u064a \u0631\u0642\u0645\u064a\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062d\u0627\u0646\u0648\u062a \u0627\u0644\u0641\u0631\u062f\u064a \u0648\u062e\u0641\u0636 \u062a\u0643\u0627\u0644\u064a\u0641 \u062e\u062f\u0645\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0637\u0644\u0628 \u0648\u0627\u0644\u0641\u0648\u062a\u0631\u0629 \u0627\u0644\u0622\u0644\u064a\u064a\u0646.<\/p>\n<h2 id=\"the-emerging-data-infrastructure\">\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629<\/h2>\n<p>\u0644\u0639\u0644 \u0627\u0644\u0628\u0639\u062f \u0627\u0644\u0623\u0643\u062b\u0631 \u0623\u0647\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0647\u0648 \u0637\u0628\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0628\u0646\u064a\u0647\u0627. \u0628\u0645\u062c\u0631\u062f \u0631\u0642\u0645\u0646\u0629 \u0639\u0634\u0631\u0627\u062a \u0627\u0644\u0622\u0644\u0627\u0641 \u0645\u0646 \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a\u060c \u062a\u0635\u0628\u062d \u062b\u0644\u0627\u062b \u0641\u0626\u0627\u062a \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0627\u062d\u0629 \u0639\u0644\u0649 \u0646\u0637\u0627\u0642 \u0648\u0627\u0633\u0639: <strong>\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u062a\u0627\u062c\u0631<\/strong> (\u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a\u060c \u0645\u0632\u064a\u062c \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a\u060c \u0627\u0644\u0645\u0648\u0633\u0645\u064a\u0629\u060c \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639)\u060c <strong>\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0645\u064a\u0644<\/strong> (\u062d\u0631\u0643\u0629 \u0627\u0644\u0632\u0628\u0627\u0626\u0646\u060c \u062d\u062c\u0645 \u0627\u0644\u0633\u0644\u0629\u060c \u062d\u0627\u0644\u0629 \u0627\u0644\u0648\u0644\u0627\u0621\u060c \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629)\u060c \u0648<strong>\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0642\u0644\u064a\u0645\u064a\u0629<\/strong> (\u0623\u0646\u0645\u0627\u0637 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u062d\u0633\u0628 \u0627\u0644\u062d\u064a \u0648\u0627\u0644\u0645\u0646\u0637\u0642\u0629 \u0648\u0627\u0644\u062a\u0643\u062a\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a).<\/p>\n<p>\u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 &#8211; \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0633\u062c\u0644\u0627\u062a \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0644\u0628\u0646\u0627\u0621 \u0646\u0645\u0627\u0630\u062c \u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u062f\u064a\u0644\u0629 \u0644\u0644\u062a\u062c\u0627\u0631 \u0648\u0639\u0645\u0644\u0627\u0626\u0647\u0645. \u0648\u064a\u0645\u0643\u0646\u0647\u0627 \u062a\u0634\u063a\u064a\u0644 \u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a\u0629 \u0633\u0631\u064a\u0639\u0629 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u0627\u0644\u062a\u062c\u0632\u0626\u0629\u060c \u0645\u0645\u0627 \u064a\u0645\u0643\u0651\u0646 \u0627\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u0646 \u0636\u0628\u0637 \u0648\u062d\u062f\u0627\u062a \u0627\u0644\u062d\u0641\u0638 \u0648\u0627\u0644\u062a\u062e\u0632\u064a\u0646 \u0648\u0627\u0644\u062a\u0633\u0639\u064a\u0631 \u0648\u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0633\u0644\u0648\u0643 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0641\u0639\u0644\u064a. \u0643\u0645\u0627 \u064a\u0645\u0643\u0646\u0647\u0627 \u0625\u062b\u0631\u0627\u0621 \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0627\u0644\u062d\u0636\u0631\u064a \u0648\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0643\u0634\u0641 \u0641\u062c\u0648\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0623\u062d\u064a\u0627\u0621.<\/p>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646\u060c \u062a\u0628\u0646\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0641\u0639\u0644\u064a\u0627\u064b <strong>\u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u062c\u0631<\/strong>\u060c \u0645\u0639 \u0648\u0632\u0627\u0631\u0627\u062a \u0648\u0628\u0646\u0648\u0643 \u062a\u0639\u0645\u0644 \u0643\u0631\u0639\u0627\u0629. \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u0628\u0646\u064a \u0628\u0646\u064a\u0627\u062a \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a \u0648\u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a (API-first) \u0642\u0627\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0635\u064a\u0644 \u0628\u0645\u0646\u0635\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 \u0645\u062f\u0639\u0648\u0645\u0629 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629 \u0633\u062a\u0643\u0648\u0646 \u0641\u064a \u0623\u0641\u0636\u0644 \u0645\u0648\u0642\u0639 \u0644\u0627\u0642\u062a\u0646\u0627\u0635 \u0627\u0644\u0642\u064a\u0645\u0629 \u0639\u0628\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629.<\/p>\n<h2 id=\"risks-limitations-and-what-could-go-wrong\">\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0642\u064a\u0648\u062f \u0648\u0645\u0627 \u0642\u062f \u064a\u0633\u064a\u0631 \u0639\u0644\u0649 \u0646\u062d\u0648 \u062e\u0627\u0637\u0626<\/h2>\n<p>\u0631\u063a\u0645 \u0643\u0644 \u0637\u0645\u0648\u062d\u0647\u0627\u060c \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0641\u064a\u0630 \u0643\u0628\u064a\u0631\u0629 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0648\u0635\u0646\u0627\u0639 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0645\u0631\u0627\u0642\u0628\u062a\u0647\u0627 \u0639\u0646 \u0643\u062b\u0628.<\/p>\n<p><strong>\u0641\u062c\u0648\u0627\u062a \u0627\u0644\u062a\u0628\u0646\u064a \u0648\u0627\u0644\u0645\u0647\u0627\u0631\u0627\u062a.<\/strong> \u0628\u064a\u0646\u0645\u0627 \u062a\u0634\u0645\u0644 \u0627\u0644\u0628\u0631\u0627\u0645\u062c \u062a\u062f\u0631\u064a\u0628\u0627\u064b \u0631\u0642\u0645\u064a\u0627\u064b \u0648\u062a\u062d\u062f\u064a\u062b\u0627\u064b \u0644\u0644\u0645\u0639\u062f\u0627\u062a\u060c \u064a\u0641\u062a\u0642\u0631 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0645\u0634\u063a\u0644\u064a \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0625\u0644\u0649 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0623\u0646\u0638\u0645\u0629 \u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639. \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0639\u062f\u0645 \u062a\u062c\u0627\u0646\u0633 \u0627\u0644\u062a\u062c\u0627\u0631 &#8211; \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0641\u064a \u0627\u0644\u0639\u0645\u0631 \u0648\u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0648\u062d\u062c\u0645 \u0627\u0644\u0645\u062a\u062c\u0631 \u0648\u0627\u0644\u0645\u0648\u0642\u0639 \u0627\u0644\u062d\u0636\u0631\u064a \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u0642\u0631\u0648\u064a &#8211; \u0625\u0644\u0649 \u062a\u0628\u0646\u064a \u063a\u064a\u0631 \u0645\u062a\u0633\u0627\u0648\u064d \u064a\u062a\u0631\u0643 \u0634\u0631\u0627\u0626\u062d \u0643\u0628\u064a\u0631\u0629 \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u064a\u0646 \u062f\u0648\u0646 \u0645\u0633\u0627\u0633.<\/p>\n<p><strong>\u062a\u062c\u0632\u0624 \u0627\u0644\u0645\u0646\u0635\u0627\u062a.<\/strong> \u062a\u062e\u0627\u0637\u0631 \u0645\u0646\u0635\u0627\u062a \u0645\u062a\u0639\u062f\u062f\u0629 &#8211; Z.Systems \u0648Woliz Pro \u0648Chari \u0648WafR \u0648\u062a\u0642\u0646\u064a\u0627\u062a M2T \u0648Tap to Mobile &#8211; \u0628\u062e\u0644\u0642 \u0645\u062c\u0645\u0648\u0639\u0629 \u062a\u0642\u0646\u064a\u0629 \u0645\u062c\u0632\u0623\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u062a\u062c\u0631. \u0628\u062f\u0648\u0646 \u0645\u0639\u0627\u064a\u064a\u0631 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u0641\u062a\u0648\u062d\u0629\u060c \u062a\u0635\u0628\u062d \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646\u0639\u0632\u0644\u0629 \u0648\u064a\u0648\u0627\u062c\u0647 \u0627\u0644\u062a\u062c\u0627\u0631 \u062a\u0639\u0642\u064a\u062f \u0627\u0644\u062a\u0648\u0641\u064a\u0642 \u0628\u064a\u0646 \u0639\u062f\u0629 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0644\u0644\u0637\u0644\u0628 \u0648\u0627\u0644\u062f\u0641\u0639 \u0648\u0627\u0644\u0648\u0644\u0627\u0621 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<p><strong>\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0639\u0645\u0644.<\/strong> \u062a\u0641\u064a\u062f \u0631\u0633\u0648\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062e\u0641\u0636\u0629 \u0645\u0646 1.7% \u0625\u0644\u0649 0.8% \u0627\u0644\u062a\u062c\u0627\u0631 \u0644\u0643\u0646\u0647\u0627 \u062a\u0636\u063a\u0637 \u0647\u0648\u0627\u0645\u0634 \u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u064a\u062b\u064a\u0631 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0627\u0644\u062f\u0648\u0644\u0629 \u0644\u0623\u0648\u0644 100,000 \u062a\u0627\u062c\u0631 \u0633\u0624\u0627\u0644\u0627\u064b \u062d\u0648\u0644 \u0645\u0627 \u0633\u064a\u062d\u062f\u062b \u0639\u0646\u062f\u0645\u0627 \u064a\u0646\u062a\u0647\u064a \u0627\u0644\u062f\u0639\u0645 \u0648\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0633\u064a\u062f\u0641\u0639\u0648\u0646 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0643\u0627\u0645\u0644 \u0645\u0642\u0627\u0628\u0644 \u062e\u062f\u0645\u0627\u062a \u0627\u0639\u062a\u0627\u062f\u0648\u0627 \u062a\u0644\u0642\u064a\u0647\u0627 \u0628\u062a\u0643\u0644\u0641\u0629 \u0645\u062e\u0641\u0636\u0629.<\/p>\n<p><strong>\u062a\u0648\u062a\u0631 \u0627\u0644\u062a\u0631\u0633\u064a\u0645.<\/strong> \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u062a\u0628\u0639 \u0641\u064a \u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a \u0648\u062f\u0639\u0645 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0636\u0631\u0627\u0626\u0628 &#8211; \u0644\u0643\u0646 \u0642\u062f \u064a\u0646\u0638\u0631 \u0628\u0639\u0636 \u0645\u0634\u063a\u0644\u064a \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0624\u064a\u0629 \u0644\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0623\u0639\u0628\u0627\u0621 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0643\u062a\u0647\u062f\u064a\u062f \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0641\u0627\u0626\u062f\u0629. \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0627\u0644\u0645\u0648\u0627\u0632\u0646\u0629 \u0628\u064a\u0646 \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 &#8211; \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0623\u062f\u0648\u0627\u062a \u0623\u0641\u0636\u0644 \u0648\u062a\u062f\u0641\u0642\u0627\u062a \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u062c\u062f\u064a\u062f\u0629 &#8211; \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062a\u0635\u0648\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u062b\u0644\u0647\u0627 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0644\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0630\u064a\u0646 \u064a\u0639\u0645\u0644\u0648\u0646 \u062c\u0632\u0626\u064a\u0627\u064b \u062e\u0627\u0631\u062c \u0627\u0644\u0647\u064a\u0627\u0643\u0644 \u0627\u0644\u0631\u0633\u0645\u064a\u0629.<\/p>\n<p><strong>\u0641\u062c\u0648\u0629 \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<\/strong> \u0645\u0639 \u0628\u0642\u0627\u0621 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0639\u0646\u062f 0.5% \u0645\u0646 \u0627\u0644\u0646\u0627\u062a\u062c \u0627\u0644\u0645\u062d\u0644\u064a \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0648\u0623\u0647\u062f\u0627\u0641 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 10 \u0625\u0644\u0649 20 \u0645\u0644\u064a\u0627\u0631 \u062f\u0631\u0647\u0645 \u0628\u062d\u0644\u0648\u0644 2030\u060c \u0647\u0646\u0627\u0643 \u0645\u0633\u0627\u0641\u0629 \u0643\u0628\u064a\u0631\u0629 \u0628\u064a\u0646 \u0627\u0644\u0648\u0627\u0642\u0639 \u0627\u0644\u062d\u0627\u0644\u064a \u0648\u0627\u0644\u0637\u0645\u0648\u062d \u0627\u0644\u0645\u0639\u0644\u0646. \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062d\u0648\u0627\u0646\u064a\u062a \u0643\u0639\u0642\u062f \u062a\u0648\u0635\u064a\u0644 \u0648\u0627\u0633\u062a\u0644\u0627\u0645 \u0636\u0631\u0648\u0631\u064a\u0629 \u0644\u0643\u0646\u0647\u0627 \u063a\u064a\u0631 \u0643\u0627\u0641\u064a\u0629\u061b \u064a\u062c\u0628 \u0623\u0646 \u062a\u062a\u0648\u0633\u0639 \u062b\u0642\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u0645\u0648\u062b\u0648\u0642\u064a\u0629 \u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0627\u062a \u0648\u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0628\u0627\u0644\u062a\u0648\u0627\u0632\u064a.<\/p>\n<h2 id=\"what-to-watch-next\">\u0645\u0627 \u064a\u062c\u0628 \u0645\u0631\u0627\u0642\u0628\u062a\u0647 \u0628\u0639\u062f \u0630\u0644\u0643<\/h2>\n<p>\u0644\u0627 \u062a\u0632\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0641\u064a \u0627\u0644\u063a\u0627\u0644\u0628 \u0641\u064a \u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0625\u0639\u0644\u0627\u0646 \u0648\u0627\u0644\u0634\u0631\u0627\u0643\u0629. \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0623\u0635\u0639\u0628 &#8211; \u0627\u0644\u062a\u062d\u0648\u064a\u0644 &#8211; \u062a\u0643\u0645\u0646 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644: \u062d\u0645\u0644 \u0639\u0634\u0631\u0627\u062a \u0627\u0644\u0622\u0644\u0627\u0641 \u0645\u0646 \u0635\u063a\u0627\u0631 \u0627\u0644\u062a\u062c\u0627\u0631 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0628\u0646\u0634\u0627\u0637 \u0643\u0644 \u064a\u0648\u0645\u060c \u0639\u0628\u0631 \u0645\u0646\u0627\u0637\u0642 \u0648\u0645\u0644\u0641\u0627\u062a \u0645\u062a\u0627\u062c\u0631 \u0645\u062a\u0646\u0648\u0639\u0629. \u0633\u062a\u0634\u064a\u0631 \u0639\u062f\u0629 \u0645\u0624\u0634\u0631\u0627\u062a \u0625\u0644\u0649 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u064a\u062d\u0642\u0642 \u0648\u0639\u0648\u062f\u0647.<\/p>\n<p>\u0623\u0648\u0644\u0627\u064b\u060c \u0631\u0627\u0642\u0628 <strong>\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u062f\u0642\u0642\u0629<\/strong> \u0645\u0646 \u0627\u0644\u0648\u0632\u0627\u0631\u0629 \u0623\u0648 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0634\u0631\u064a\u0643\u0629 \u0627\u0644\u062a\u064a \u062a\u0624\u0643\u062f \u0639\u062f\u062f \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0630\u064a\u0646 \u064a\u062a\u0639\u0627\u0645\u0644\u0648\u0646 \u0628\u0646\u0634\u0627\u0637 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0635\u0627\u062a\u060c \u0648\u0644\u064a\u0633 \u0641\u0642\u0637 \u0627\u0644\u0645\u0633\u062c\u0644\u064a\u0646. \u062b\u0627\u0646\u064a\u0627\u064b\u060c \u062a\u0627\u0628\u0639 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a <strong>\u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a<\/strong> \u062a\u0638\u0647\u0631 &#8211; \u0645\u0639\u0631\u0641\u0627\u062a \u062a\u062c\u0627\u0631 \u0645\u0634\u062a\u0631\u0643\u0629 \u0648\u062a\u0646\u0633\u064a\u0642\u0627\u062a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u062a\u0645\u0646\u0639 \u062a\u062d\u0642\u0642 \u062e\u0637\u0631 \u0627\u0644\u062a\u062c\u0632\u0624. \u062b\u0627\u0644\u062b\u0627\u064b\u060c \u0644\u0627\u062d\u0638 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 <strong>\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0644\u0627\u062d\u0642<\/strong> \u064a\u062a\u062f\u0641\u0642 \u0625\u0644\u0649 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0628\u064a\u0626\u064a\u061b \u062c\u0645\u0639 Woliz \u0627\u0644\u0628\u0627\u0644\u063a 2.2 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0647\u0648 \u0625\u0634\u0627\u0631\u0629 \u0645\u0628\u0643\u0631\u0629\u060c \u0644\u0643\u0646 \u0646\u0634\u0627\u0637 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u0648\u0633\u0639 \u0633\u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0648\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u0648\u0646 \u064a\u0631\u0648\u0646 \u0642\u064a\u0645\u0629 \u062f\u0627\u0626\u0645\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0623\u0648\u0644\u064a \u0627\u0644\u0645\u062f\u0639\u0648\u0645 \u0645\u0646 \u0627\u0644\u062f\u0648\u0644\u0629.<\/p>\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u0647\u0646\u064a\u064a\u0646 \u0627\u0644\u062a\u0642\u0646\u064a\u064a\u0646 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0635\u0646\u0627\u0639 \u0627\u0644\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u063a\u0627\u0631\u0628\u0629\u060c \u062a\u0645\u062b\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u062a\u0648\u0627\u0641\u0642\u0627\u064b \u0646\u0627\u062f\u0631\u0627\u064b \u0628\u064a\u0646 \u0627\u0644\u0637\u0645\u0648\u062d \u0627\u0644\u0633\u064a\u0627\u0633\u064a \u0648\u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u064a \u0648\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0644\u062f\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629. \u0625\u0630\u0627 \u0646\u062c\u062d\u062a\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0635\u0628\u062d \u0623\u062d\u062f \u0623\u0643\u0628\u0631 \u0628\u0631\u0627\u0645\u062c \u0631\u0642\u0645\u0646\u0629 \u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0641\u064a \u0634\u0645\u0627\u0644 \u0625\u0641\u0631\u064a\u0642\u064a\u0627 &#8211; \u0648\u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u062d\u064a\u0629 \u062d\u0648\u0644 \u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0623\u062d\u064a\u0627\u0621 \u0625\u0644\u0649 \u0645\u062d\u0631\u0643 \u063a\u0646\u064a \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0645\u062f\u0639\u0648\u0645 \u0628\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0625\u062f\u0645\u0627\u062c \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a. \u0625\u0630\u0627 \u062a\u0639\u062b\u0631\u062a \u0641\u064a \u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0634\u0631\u0627\u0643\u0629\u060c \u0641\u0633\u062a\u0646\u0636\u0645 \u0625\u0644\u0649 \u0642\u0627\u0626\u0645\u0629 \u0637\u0648\u064a\u0644\u0629 \u0645\u0646 \u062e\u0637\u0637 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0637\u0645\u0648\u062d\u0629 \u0627\u0644\u062a\u064a \u0623\u0646\u062a\u062c\u062a \u0639\u0646\u0627\u0648\u064a\u0646 \u0645\u062b\u064a\u0631\u0629 \u0644\u0644\u0625\u0639\u062c\u0627\u0628 \u0648\u0644\u0643\u0646 \u062a\u063a\u064a\u064a\u0631\u0627\u064b \u062a\u0634\u063a\u064a\u0644\u064a\u0627\u064b \u0645\u062d\u062f\u0648\u062f\u0627\u064b. \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062b\u0644\u0627\u062b \u0625\u0644\u0649 \u0627\u0644\u062e\u0645\u0633 \u0627\u0644\u0642\u0627\u062f\u0645\u0629 \u0633\u062a\u0643\u0648\u0646 \u062d\u0627\u0633\u0645\u0629.<\/p>\n<p><em>\u0642\u0631\u0627\u0621\u0629 \u0630\u0627\u062a \u0635\u0644\u0629: <a href=\"https:\/\/onyx.ma\/ar\/agenzs-5m-seed-round-highlights-moroccos-tech-shift-2\/\">\u062c\u0648\u0644\u0629 \u062a\u0645\u0648\u064a\u0644 \u0628\u0642\u064a\u0645\u0629 5 \u0645\u0644\u0627\u064a\u064a\u0646 \u062f\u0648\u0644\u0627\u0631 \u0644\u0634\u0631\u0643\u0629 Agenz \u062a\u0628\u0631\u0632 \u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u063a\u0631\u0628 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a<\/a> \u00b7 <a href=\"https:\/\/onyx.ma\/ar\/bnpl-fees-erode-moroccan-ecommerce-margins\/\">\u0643\u064a\u0641 \u062a\u0624\u062f\u064a \u0631\u0633\u0648\u0645 \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b \u0625\u0644\u0649 \u062a\u0622\u0643\u0644 \u0647\u0648\u0627\u0645\u0634 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u063a\u0631\u0628\u064a\u0629<\/a> \u00b7 <a href=\"https:\/\/onyx.ma\/ar\/morocco-etrade-ma-b2b-export-marketplace-2\/\">\u062a\u0648\u0633\u064a\u0639 \u0646\u0637\u0627\u0642 \u0635\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u063a\u0631\u0628\u064a\u0629 \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0639\u0628\u0631 eTrade.ma<\/a> \u00b7 <a href=\"https:\/\/onyx.ma\/ar\/ai-startups-fuel-moroccos-digital-economy\/\">\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u063a\u0630\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u063a\u0631\u0628\u064a<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0648\u0642\u0651\u0639\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0634\u0631\u0643\u0627\u062a \u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0645\u062b\u0644 Z.Systems \u0648Woliz \u0648Chari \u0648WafR \u0644\u0631\u0642\u0645\u0646\u0629 \u0639\u0634\u0631\u0627\u062a \u0627\u0644\u0622\u0644\u0627\u0641 \u0645\u0646 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u0625\u0644\u064a\u0643\u0645 \u0645\u0627 \u064a\u0639\u0646\u064a\u0647 \u0645\u0633\u0627\u0631 &#8216;\u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030&#8217; \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0648\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0641\u064a \u0627\u0644\u0645\u063a\u0631\u0628.<\/p>\n","protected":false},"author":1,"featured_media":4708,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","rank_math_focus_keyword":"\u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0627\u0644\u0645\u063a\u0631\u0628","rank_math_description":"\u0648\u0642\u0651\u0639\u062a \u0648\u0632\u0627\u0631\u0629 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 Z.Systems \u0648Woliz \u0648Chari \u0648WafR \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u064a\u0639 \u0635\u063a\u064a\u0631\u0629 \u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a. \u0625\u0644\u064a\u0643\u0645 \u0645\u0627 \u062a\u0639\u0646\u064a\u0647 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 2030 \u0644\u0644\u0645\u0624\u0633\u0633\u064a\u0646 \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0645\u063a\u0627\u0631\u0628\u0629."},"categories":[288,87],"tags":[],"class_list":["post-4702","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-288","category-87"],"_links":{"self":[{"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/posts\/4702","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/comments?post=4702"}],"version-history":[{"count":2,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/posts\/4702\/revisions"}],"predecessor-version":[{"id":4712,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/posts\/4702\/revisions\/4712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/media\/4708"}],"wp:attachment":[{"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/media?parent=4702"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/categories?post=4702"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onyx.ma\/ar\/wp-json\/wp\/v2\/tags?post=4702"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}