{"id":12122,"date":"2026-07-13T18:31:19","date_gmt":"2026-07-13T15:31:19","guid":{"rendered":"https:\/\/nehorizon-s.net\/?p=12122"},"modified":"2026-07-13T18:31:19","modified_gmt":"2026-07-13T15:31:19","slug":"%d8%b9%d8%b4%d8%b1-%d8%b1%d8%ae%d8%b5-%d9%88%d8%b3%d8%a4%d8%a7%d9%84-%d9%88%d8%a7%d8%ad%d8%af-%d9%85%d8%b9%d9%84%d9%91%d9%82-%d9%85%d9%86-%d9%8a%d9%85%d9%84%d9%83-%d9%85%d9%81%d8%a7%d8%aa%d9%8a%d8%ad","status":"publish","type":"post","link":"https:\/\/nehorizon-s.net\/?p=12122","title":{"rendered":"\u0639\u0634\u0631 \u0631\u062e\u0635 \u0648\u0633\u0624\u0627\u0644 \u0648\u0627\u062d\u062f \u0645\u0639\u0644\u0651\u0642: \u0645\u0646 \u064a\u0645\u0644\u0643 \u0645\u0641\u0627\u062a\u064a\u062d \u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a\u064a\u0646\u061f \u0642\u0631\u0627\u0621\u0629 \u0641\u064a \u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629\u060c \u0628\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 EBS \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0648\u062a\u0648\u0633\u0651\u0639 \u062a\u0631\u0627\u062e\u064a\u0635 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635"},"content":{"rendered":"

\"\"<\/p>\n

\u0639\u0645\u0631 \u0633\u064a\u062f \u0627\u062d\u0645\u062f |\u0628\u0627\u062d\u062b \u0641\u064a \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0633\u064a\u0627\u0633\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a |\u062e\u0628\u064a\u0631 \u0645\u0635\u0631\u0641\u064a \u0648\u0645\u0627\u0644\u064a \u0645\u0633\u062a\u0642\u0644\u00a0<\/strong><\/p>\n

Email:o.sidahmed99@gmail.com<\/span><\/p>\n

\u064a\u0648\u0644\u064a\u0648 2026<\/span><\/p>\n

\u0641\u064a \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0648\u0641\u064a \u0641\u0646\u062f\u0642 \u0645\u0627\u0631\u064a\u0646\u0627 \u0628\u0628\u0648\u0631\u062a\u0633\u0648\u062f\u0627\u0646\u060c \u0627\u062c\u062a\u0645\u0639\u062a \u0642\u064a\u0627\u062f\u0627\u062a \u0633\u064a\u0627\u062f\u064a\u0629 \u0648\u0639\u0633\u0643\u0631\u064a\u0629 \u0648\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062a\u062f\u0634\u064a\u0646 \u0631\u062e\u0635\u0629 \u0634\u0631\u0643\u0629 \u062e\u0627\u0635\u0629 \u0644\u062a\u0634\u063a\u064a\u0644 \u00ab\u0645\u062d\u0648\u0651\u0644 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0627\u0644\u064a\u0629\u00bb \u0648\u064f\u0635\u0641 \u0631\u0633\u0645\u064a\u064b\u0627 \u0628\u0623\u0646\u0647 \u00ab\u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629\u00bb. \u0648\u0628\u0639\u062f \u0623\u064a\u0627\u0645 \u0645\u0639\u062f\u0648\u062f\u0629\u060c \u0633\u062d\u0628 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0630\u0627\u062a\u0647 \u062f\u0648\u0646 \u062a\u0641\u0633\u064a\u0631 \u0639\u0644\u0646\u064a \u0645\u0641\u0635\u0651\u0644. \u0628\u064a\u0646 \u0627\u0644\u062d\u0641\u0644 \u0648\u0627\u0644\u0633\u062d\u0628 \u0644\u0645 \u064a\u062a\u063a\u064a\u0651\u0631 \u0634\u064a\u0621 \u0641\u064a \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u2014 \u0648\u0647\u0630\u0627 \u062c\u0648\u0647\u0631 \u0627\u0644\u0645\u0634\u0643\u0644\u0629.<\/span><\/p>\n

\u0641\u0642\u0636\u064a\u0629 \u00ab\u0627\u0644\u0639\u0633\u062c\u062f \u0644\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u0630\u0643\u064a\u0629\u00bb \u0644\u064a\u0633\u062a \u0642\u0635\u0629 \u0634\u0631\u0643\u0629 \u0648\u0627\u062d\u062f\u0629 \u0623\u062e\u0637\u0623\u062a\u060c \u0628\u0644 \u0646\u0627\u0641\u0630\u0629 \u0639\u0644\u0649 \u0633\u0624\u0627\u0644 \u0623\u0643\u0628\u0631: \u0645\u0646 \u064a\u0645\u0644\u0643\u060c \u0641\u0639\u0644\u064a\u064b\u0627 \u0648\u0642\u0627\u0646\u0648\u0646\u064a\u064b\u0627\u060c \u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645\u0631 \u0639\u0628\u0631\u0647\u0627 \u0643\u0644 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0627\u0644\u064a\u0629 \u0644\u0643\u0644 \u0645\u0648\u0627\u0637\u0646 \u0633\u0648\u062f\u0627\u0646\u064a\u061f \u0648\u0628\u0623\u064a \u0623\u0633\u0627\u0633 \u062a\u064f\u0645\u0646\u062d \u0647\u0630\u0647 \u0627\u0644\u0645\u0641\u0627\u062a\u064a\u062d \u0648\u062a\u064f\u0633\u062d\u0628\u061f<\/span><\/p>\n

\u0627\u0644\u0633\u064a\u0627\u0642 \u0627\u0644\u0630\u064a \u064a\u0636\u0627\u0639\u0641 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629<\/span><\/p>\n

\u0623\u0644\u062d\u0642\u062a \u0627\u0644\u062d\u0631\u0628 \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0645\u0646\u0630 2023 \u062f\u0645\u0627\u0631\u064b\u0627 \u0623\u0648 \u0625\u063a\u0644\u0627\u0642\u064b\u0627 \u0642\u0633\u0631\u064a\u064b\u0627 \u0628\u0623\u0643\u062b\u0631 \u0645\u0646 600 \u0641\u0631\u0639 \u0645\u0635\u0631\u0641\u064a \u0645\u0646 \u0623\u0635\u0644 \u0646\u062d\u0648 900 \u2014 \u0623\u0643\u062b\u0631 \u0645\u0646 \u062b\u0644\u062b\u064a \u0627\u0644\u0634\u0628\u0643\u0629 \u0627\u0644\u0641\u064a\u0632\u064a\u0627\u0626\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643. \u0648\u0631\u0627\u0641\u0642 \u0630\u0644\u0643 \u062a\u0633\u0627\u0631\u0639 \u063a\u064a\u0631 \u0645\u0633\u0628\u0648\u0642 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a: \u0646\u062d\u0648 13.4 \u0645\u0644\u064a\u0648\u0646 \u0645\u0633\u062a\u062e\u062f\u0645\u060c \u0623\u064a \u0623\u0643\u062b\u0631 \u0645\u0646 30% \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646. \u0625\u062f\u0627\u0631\u0629 \u0647\u0630\u0627 \u0627\u0644\u062d\u062c\u0645 \u0645\u0646 \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0645 \u062a\u0639\u062f \u0631\u0641\u0627\u0647\u064a\u0629 \u062a\u0642\u0646\u064a\u0629\u060c \u0628\u0644 \u0639\u0645\u0648\u062f \u0641\u0642\u0631\u064a \u0644\u0645\u0639\u064a\u0634\u0629 \u062b\u0644\u062b \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a\u064a\u0646 \u062a\u0642\u0631\u064a\u0628\u064b\u0627 \u2014 \u0648\u0647\u0648 \u0645\u0627 \u064a\u0631\u0641\u0639 \u062d\u0633\u0627\u0633\u064a\u0629 \u0623\u064a \u0642\u0631\u0627\u0631 \u0628\u0634\u0623\u0646 \u0645\u0646 \u064a\u0645\u0644\u0643 \u062d\u0642 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0630\u064a \u064a\u0648\u062c\u0651\u0647 \u0647\u0630\u0647 \u0627\u0644\u062d\u0631\u0643\u0629 \u0648\u064a\u062d\u062a\u0641\u0638 \u0628\u0628\u064a\u0627\u0646\u0627\u062a\u0647\u0627.<\/span><\/p>\n

\u0645\u0627 \u0647\u0648 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u060c \u0648\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0635\u0646\u064e\u0651\u0641 \u00ab\u0628\u0646\u064a\u0629 \u0633\u064a\u0627\u062f\u064a\u0629\u00bb\u061f<\/span><\/p>\n

\u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a (Financial Switch) \u0648\u0633\u064a\u0637 \u062a\u0642\u0646\u064a \u064a\u0631\u0628\u0637 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0646\u0642\u0627\u0637 \u0627\u0644\u0628\u064a\u0639 \u0641\u064a \u0634\u0628\u0643\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u064a\u0648\u062c\u0651\u0647 \u0623\u0648\u0627\u0645\u0631 \u0627\u0644\u062f\u0641\u0639 \u0648\u064a\u062d\u0642\u0642\u0647\u0627 \u0648\u064a\u0645\u0631\u0631\u0647\u0627 \u0644\u0644\u062a\u0633\u0648\u064a\u0629. \u062a\u064f\u0635\u0646\u064e\u0651\u0641\u0647 \u0627\u0644\u0623\u062f\u0628\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u00ab\u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u00bb\u060c \u0644\u0627 \u00ab\u0634\u0631\u0643\u0629 \u0628\u0631\u0645\u062c\u064a\u0627\u062a\u00bb \u2014 \u0641\u0647\u0648 \u064a\u0631\u0649 \u0643\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u0639\u0644\u0627\u0642\u0627\u062a \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0648\u064a\u0645\u0644\u0643 \u0645\u0627 \u064a\u064f\u0639\u0631\u0641 \u0628\u0640\u00ab\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0648\u0635\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u00bb\u060c \u0648\u0647\u064a \u0627\u0644\u064a\u0648\u0645 \u0645\u0648\u0631\u062f \u0644\u0627 \u064a\u0642\u0644 \u0642\u064a\u0645\u0629 \u0639\u0646 \u0627\u0644\u0646\u0641\u0637. \u0648\u0644\u0647\u0630\u0627 \u0627\u062d\u062a\u0627\u062c\u062a \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0635\u0644\u064b\u0627 \u0644\u0641\u0643\u0631\u0629 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u0648\u062d\u0651\u062f: \u0641\u0631\u0628\u0637 \u0623\u0631\u0628\u0639\u064a\u0646 \u0628\u0646\u0643\u064b\u0627 \u0645\u0628\u0627\u0634\u0631\u0629 \u064a\u062a\u0637\u0644\u0628 \u0646\u0638\u0631\u064a\u064b\u0627 \u0646\u062d\u0648 780 \u0639\u0644\u0627\u0642\u0629 \u062b\u0646\u0627\u0626\u064a\u0629\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u062e\u062a\u0632\u0644\u0647\u0627 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0641\u064a \u0639\u0644\u0627\u0642\u0629 \u0648\u0627\u062d\u062f\u0629 \u0644\u0643\u0644 \u0628\u0646\u0643.<\/span><\/p>\n

\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u062d\u0633\u0628 \u0627\u0644\u0646\u0637\u0627\u0642 (Switch Types by Scope)<\/span><\/p>\n

\u0645\u062d\u0648\u0651\u0644 \u062e\u0627\u0635 (Proprietary \/ In-house Switch): \u0645\u062d\u0648\u0651\u0644 \u062f\u0627\u062e\u0644\u064a \u064a\u062e\u062f\u0645 \u0639\u0645\u0644\u0627\u0621 \u0628\u0646\u0643 \u0648\u0627\u062d\u062f \u0641\u0642\u0637\u060c \u0648\u064a\u062f\u064a\u0631 \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0630\u0644\u0643 \u0627\u0644\u0628\u0646\u0643 \u062f\u0648\u0646 \u0631\u0628\u0637 \u0645\u0628\u0627\u0634\u0631 \u0645\u0639 \u0628\u0646\u0648\u0643 \u0623\u062e\u0631\u0649.<\/span><\/p>\n

\u0645\u062d\u0648\u0651\u0644 \u0628\u064a\u0646\u064a (Interbank Switch): \u0645\u062d\u0648\u0651\u0644 \u064a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0628\u0646\u0643\u064a\u0646 \u0623\u0648 \u0623\u0643\u062b\u0631 \u0644\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u062a\u0648\u062c\u064a\u0647\u0647\u0627 \u0628\u064a\u0646\u0647\u0627\u061b \u0648\u064a\u0631\u062a\u0642\u064a \u0625\u0644\u0649 \u0645\u0631\u062a\u0628\u0629 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0642\u0648\u0645\u064a (National Switch) \u0625\u0630\u0627 \u0627\u062a\u0633\u0639 \u0646\u0637\u0627\u0642\u0647 \u0644\u064a\u0634\u0645\u0644 \u0627\u0644\u0631\u0628\u0637 \u0628\u064a\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0641\u064a \u0628\u0644\u062f \u0645\u0639\u064a\u0651\u0646 (\u0646\u0645\u0648\u0630\u062c \u0645\u062d\u0648\u0644 \u0634\u0631\u0643\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 EBS)<\/span><\/p>\n

\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0645\u062d\u0648\u0651\u0644\u0627\u062a (Switch of Switches): \u0645\u062d\u0648\u0651\u0644 \u0645\u0646 \u0645\u0633\u062a\u0648\u0649 \u0623\u0639\u0644\u0649 \u064a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0639\u062f\u0629 \u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0628\u064a\u0646\u064a\u0629\u060c \u0628\u062d\u064a\u062b \u062a\u062a\u062c\u0645\u0639 \u0643\u0644 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u062e\u0644\u0641 \u0645\u062d\u0648\u0651\u0644\u0647\u0627 \u0627\u0644\u062e\u0627\u0635 \u0628\u0647\u0627\u060c \u062b\u0645 \u062a\u062a\u0635\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0628\u0628\u0639\u0636\u0647\u0627 \u0639\u0628\u0631 \u0637\u0628\u0642\u0629 \u0648\u0633\u064a\u0637\u0629 \u062a\u0646\u0633\u0651\u0642 \u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0628\u064a\u0646\u0647\u0627.<\/span><\/p>\n

\u0645\u0644\u0627\u062d\u0638\u0629 \u062a\u0648\u0636\u064a\u062d\u064a\u0629: \u0647\u0630\u0627 \u0627\u0644\u062a\u0635\u0646\u064a\u0641 \u064a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u0646\u0637\u0627\u0642 \u0648\u0627\u0644\u062a\u0648\u067e\u0648\u0644\u0648\u062c\u064a\u0627 Interoperability (\u0645\u0646 \u064a\u062e\u062f\u0645 \u0645\u0646)<\/span><\/p>\n

\u062d\u064a\u0646 \u064a\u064f\u0645\u0646\u062d \u0645\u062d\u0648\u0651\u0644 \u062e\u0627\u0635 \u062d\u0642 \u0627\u0644\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0623\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u064a\u062a\u062d\u0648\u0644 \u0645\u0646 \u0623\u062f\u0627\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0625\u0644\u0649 \u0628\u0646\u064a\u0629 \u0645\u0648\u0627\u0632\u064a\u0629 \u0644\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0642\u0648\u0645\u064a \u2014 \u0648\u0647\u0646\u0627 \u0645\u0631\u0628\u0637 \u0627\u0644\u0641\u0631\u0633 \u0641\u064a \u062a\u0642\u064a\u064a\u0645 \u0623\u064a \u062a\u0631\u062e\u064a\u0635 \u062c\u062f\u064a\u062f. \u0644\u0647\u0630\u0627 \u062a\u062e\u0636\u0639 \u0646\u0638\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629\u060c \u0648\u0641\u0642 \u0645\u0628\u0627\u062f\u0626 PFMI (CPMI-IOSCO)\u060c \u0644\u0623\u0639\u0644\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 PCI DSS: \u0641\u0623\u064a \u0627\u062e\u062a\u0631\u0627\u0642 \u0644\u0627 \u064a\u0635\u064a\u0628 \u0634\u0631\u0643\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0628\u0644 \u064a\u0634\u0644\u0651 \u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0628\u0623\u0643\u0645\u0644\u0647 \u2014 \u0646\u0642\u0637\u0629 \u0641\u0634\u0644 \u0648\u0627\u062d\u062f\u0629 \u062a\u0645\u0633 \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0642\u0648\u0645\u064a \u0645\u0628\u0627\u0634\u0631\u0629.<\/span><\/p>\n

\u0623\u0631\u0628\u0639\u0629 \u0645\u0639\u0627\u064a\u064a\u0631 \u062f\u0648\u0644\u064a\u0629 \u0644\u0627 \u062a\u062d\u062a\u0645\u0644 \u0627\u0644\u062a\u0647\u0627\u0648\u0646<\/span><\/p>\n

\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0627\u0644\u0645\u0644\u0643\u064a\u0629 (PFMI) \u2014 \u0625\u0641\u0635\u0627\u062d \u0643\u0627\u0645\u0644 \u0639\u0646 \u0627\u0644\u0645\u0644\u0651\u0627\u0643 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u064a\u0646 (UBO) \u0644\u0645\u0646\u0639 \u062a\u0636\u0627\u0631\u0628 \u0627\u0644\u0645\u0635\u0627\u0644\u062d.<\/span><\/p>\n

\u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0633\u064a\u0628\u0631\u0627\u0646\u064a (PCI DSS \u0648 ISO\/IEC 27001) \u2014 \u062a\u0634\u0641\u064a\u0631 \u0645\u062b\u0628\u062a \u0648\u0645\u0631\u0627\u0643\u0632 \u0628\u064a\u0627\u0646\u0627\u062a \u0628\u062f\u064a\u0644\u0629 \u062a\u0636\u0645\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 99.99%.<\/span><\/p>\n

\u062a\u0648\u062d\u064a\u062f \u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062f\u0641\u0639 (ISO 20022) \u2014 \u0644\u063a\u0629 \u0645\u0648\u062d\u0651\u062f\u0629 \u062a\u062a\u064a\u062d \u062a\u062a\u0628\u0639 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0628\u062f\u0642\u0629 \u0648\u0645\u0646\u0639 \u0627\u0644\u0641\u0648\u0636\u0649 \u0641\u064a \u0627\u0644\u062a\u0633\u0648\u064a\u0629.<\/span><\/p>\n

\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 (ISO 22301) \u2014 \u062e\u0637\u0637 \u062a\u0639\u0627\u0641\u064d \u0645\u0648\u062b\u0642\u0629 \u0645\u0646 \u0627\u0644\u0643\u0648\u0627\u0631\u062b.<\/span><\/p>\n

\u062a\u0642\u064a\u064a\u0645 \u0623\u064a \u062a\u0631\u062e\u064a\u0635 \u0641\u064a \u0636\u0648\u0621 \u0647\u0630\u0647 \u0627\u0644\u0645\u062d\u0627\u0648\u0631 \u0627\u0644\u0623\u0631\u0628\u0639\u0629 \u2014 \u0644\u0627 \u0627\u0644\u0627\u0646\u0637\u0628\u0627\u0639\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629 \u2014 \u0647\u0648 \u0645\u0627 \u064a\u062d\u062f\u062f \u0625\u0646 \u0643\u0627\u0646 \u0627\u0644\u0642\u0631\u0627\u0631 \u0641\u0646\u064a\u064b\u0627 \u0631\u0635\u064a\u0646\u064b\u0627 \u0623\u0645 \u062a\u0642\u062f\u064a\u0631\u064b\u0627 \u0625\u062f\u0627\u0631\u064a\u064b\u0627 \u0644\u062d\u0638\u064a\u064b\u0627 \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u062a\u0631\u0627\u062c\u0639 \u0639\u0646\u0647 \u0644\u0627\u062d\u0642\u064b\u0627.<\/span><\/p>\n

\u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0643\u0627\u0646 \u064a\u0645\u0644\u0643 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0645\u062b\u0627\u0644\u064a \u0623\u0635\u0644\u064b\u0627: \u0642\u0635\u0629 EBS<\/span><\/p>\n

\u0644\u0645 \u064a\u0643\u0646 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0628\u062d\u0627\u062c\u0629 \u0644\u0627\u0633\u062a\u064a\u0631\u0627\u062f \u0623\u064a \u0646\u0645\u0648\u0630\u062c: \u0641\u0645\u0646\u0630 1999\u060c \u062a\u0623\u0633\u0651\u0633\u062a \u0634\u0631\u0643\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 (EBS) \u0628\u0645\u0644\u0643\u064a\u0629 \u0647\u062c\u064a\u0646\u0629 (49% \u0628\u0646\u0643 \u0645\u0631\u0643\u0632\u064a\u060c 21% \u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u0641\u060c 30% \u0633\u0648\u062f\u0627\u062a\u0644) \u2014 \u0639\u064a\u0646 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0630\u064a \u062a\u0648\u0635\u064a \u0628\u0647 \u0623\u062f\u0628\u064a\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0628\u0646\u0643 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 (BIS) \u0643\u0623\u0641\u0636\u0644 \u0645\u0645\u0627\u0631\u0633\u0629 \u0639\u0627\u0644\u0645\u064a\u0629.<\/span><\/p>\n

\u0639\u0645\u0644\u062a EBS \u0644\u0639\u0642\u062f\u064a\u0646 \u0643\u0630\u0631\u0627\u0639 \u063a\u064a\u0631 \u0631\u0628\u062d\u064a \u0628\u062a\u0639\u0631\u064a\u0641\u0629 \u0631\u0645\u0632\u064a\u0629 (\u0633\u0646\u062a \u0648\u0627\u062d\u062f \u0644\u0644\u0631\u0633\u0627\u0644\u0629). \u0643\u0627\u062f\u062a \u0627\u0644\u062d\u0631\u0628 \u062a\u064f\u0646\u0647\u064a\u0647\u0627 \u0639\u0627\u0645 2023 \u0628\u0639\u062f \u0633\u062d\u0628 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0642\u0648\u0645\u064a \u0645\u0646\u0647\u0627 \u0648\u0641\u0634\u0644 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0641\u064a \u062a\u0634\u063a\u064a\u0644\u0647 \u0645\u0628\u0627\u0634\u0631\u0629\u060c \u0642\u0628\u0644 \u0623\u0646 \u064a\u0633\u062a\u0639\u064a\u062f\u0647\u0627 \u0627\u0633\u062a\u062d\u0648\u0627\u0630 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0641\u064a 15 \u064a\u0646\u0627\u064a\u0631 2026. \u0627\u0633\u062a\u0639\u0627\u062f\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0642\u0648\u0645\u064a\u060c \u0648\u0646\u0645\u062a \u0645\u0639\u0627\u0645\u0644\u0627\u062a\u0647\u0627 \u0627\u0644\u0628\u064a\u0646\u064a\u0629 \u0645\u0646 92.8 \u0645\u0644\u064a\u0648\u0646 \u0641\u064a 2025 \u0625\u0644\u0649 141.46 \u0645\u0644\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0646\u0635\u0641 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 2026 \u0648\u062d\u062f\u0647 \u2014 \u0646\u0645\u0648 52.44%\u060c \u0648\u0625\u062c\u0645\u0627\u0644\u064a 234 \u0645\u0644\u064a\u0648\u0646 \u0645\u0639\u0627\u0645\u0644\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629\u060c \u0645\u062f\u0641\u0648\u0639\u064b\u0627 \u0628\u0631\u0628\u0637 \u0646\u0638\u0627\u0645 BBAN \u0627\u0644\u0645\u0648\u062d\u0651\u062f \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643. \u0648\u062a\u064f\u0648\u0651\u062c \u0647\u0630\u0627 \u0627\u0644\u0645\u0633\u0627\u0631 \u0641\u064a 16 \u064a\u0648\u0646\u064a\u0648 2026 \u0628\u0627\u0639\u062a\u0645\u0627\u062f\u0647\u0627 \u0645\u0643\u062a\u0628 \u062e\u062f\u0645\u0629 \u0645\u0639\u062a\u0645\u062f \u0644\u0634\u0628\u0643\u0629 \u0633\u0648\u064a\u0641\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u2014 \u0623\u0648\u0644 \u0634\u0631\u0643\u0629 \u0633\u0648\u062f\u0627\u0646\u064a\u0629 \u062a\u0628\u0644\u063a \u0647\u0630\u0627 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f.<\/span><\/p>\n

\u0641\u0643\u064a\u0641 \u064a\u064f\u0639\u0632\u064e\u0651\u0632 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a EBS \u0628\u0647\u0630\u0627 \u0627\u0644\u0632\u062e\u0645\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u064f\u0645\u0646\u062d \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0634\u0628\u0647 \u0630\u0627\u062a\u0647\u0627 \u062a\u0631\u0627\u062e\u064a\u0635 \u0645\u0648\u0627\u0632\u064a\u0629 \u0644\u0634\u0631\u0643\u0627\u062a \u062e\u0627\u0635\u0629\u060c \u062f\u0648\u0646 \u0623\u0646 \u064a\u0635\u062f\u0631 \u0639\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u062a\u0641\u0633\u064a\u0631 \u0645\u0624\u0633\u0633\u064a \u0648\u0627\u062d\u062f \u064a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u062e\u0637\u064a\u0646\u061f<\/span><\/p>\n

\u062d\u0633\u0645 \u0627\u0644\u0627\u0644\u062a\u0628\u0627\u0633: \u0647\u0644 \u062a\u0639\u062a\u0645\u062f \u0627\u0644\u062f\u0648\u0644 \u0641\u0639\u0644\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635\u061f<\/span><\/p>\n

\u064a\u062a\u0643\u0631\u0631 \u0625\u0639\u0644\u0627\u0645\u064a\u064b\u0627 \u0637\u0631\u062d \u0645\u0628\u0633\u0651\u0637 \u0628\u0623\u0646 \u00ab\u0643\u0644 \u0627\u0644\u062f\u0648\u0644 \u062a\u062a\u0631\u0643 \u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635\u00bb. \u0647\u0630\u0627 \u0646\u0635\u0641 \u062d\u0642\u064a\u0642\u0629 \u0645\u0636\u0644\u0644\u0629: \u0641\u0627\u0644\u0635\u064a\u0646 \u062a\u064f\u0644\u0632\u0645 \u00ab\u0648\u064a \u062a\u0634\u0627\u062a \u0628\u0627\u064a\u00bb \u0648\u00ab\u0639\u0644\u064a \u0628\u0627\u064a\u00bb \u0628\u0627\u0644\u0645\u0631\u0648\u0631 \u0639\u0628\u0631 \u0645\u0646\u0635\u0629 \u00ab\u0646\u062a\u0633 \u064a\u0648\u0646\u064a\u0648\u0646\u00bb \u0627\u0644\u062a\u064a \u064a\u0645\u0644\u0643 \u0641\u064a\u0647\u0627 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0648\u0627\u0644\u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u0646\u062d\u0648 \u062b\u0644\u062b \u0627\u0644\u0623\u0633\u0647\u0645\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u062a\u0648\u0632\u0639 \u0627\u0644\u0628\u0642\u064a\u0629 \u0639\u0644\u0649 \u0639\u0634\u0631\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0643\u064a \u0644\u0627 \u062a\u0646\u0641\u0631\u062f \u0648\u0627\u062d\u062f\u0629 \u0628\u0627\u0644\u0633\u064a\u0637\u0631\u0629. \u0648\u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u062a\u064f\u0628\u0642\u064a \u00ab\u0645\u062f\u0649\u00bb \u0645\u0645\u0644\u0648\u0643\u0629 \u0634\u0628\u0647 \u0643\u0644\u064a\u064b\u0627 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0639\u0628\u0631 \u00ab\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u00bb\u060c \u0648\u0627\u0644\u0646\u0645\u0637 \u0630\u0627\u062a\u0647 \u064a\u062a\u0643\u0631\u0631 \u0641\u064a \u0627\u0644\u0647\u0646\u062f (NPCI) \u0648\u0643\u064a\u0646\u064a\u0627 (PesaLink) \u0648\u0645\u0635\u0631 (\u0625\u0646\u0633\u062a\u0627\u0628\u0627\u064a).<\/span><\/p>\n

\u0641\u0627\u0644\u062e\u064a\u0637 \u0627\u0644\u0645\u0634\u062a\u0631\u0643 \u0644\u064a\u0633 \u0625\u0642\u0635\u0627\u0621 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635\u060c \u0628\u0644 \u0627\u0644\u062a\u0645\u064a\u064a\u0632 \u0628\u064a\u0646 \u0637\u0628\u0642\u0629 \u00ab\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a\u00bb \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0644\u0644\u0645\u0646\u0627\u0641\u0633\u0629\u060c \u0648\u0637\u0628\u0642\u0629 \u00ab\u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629\u00bb \u2014 \u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u2014 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u064f\u062a\u0631\u0643 \u0644\u062c\u0647\u0629 \u062e\u0627\u0635\u0629 \u0645\u0646\u0641\u0631\u062f\u0629. \u0648\u0627\u0644\u0633\u0628\u0628: \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0636\u062e\u0645\u0629 \u0623\u0635\u0628\u062d\u062a \u0623\u063a\u0644\u0649 \u0645\u0646 \u0627\u0644\u0646\u0641\u0637\u060c \u0648\u0644\u0627 \u0622\u0644\u064a\u0629 \u0637\u0648\u0639\u064a\u0629 \u062a\u0643\u0628\u062d \u0634\u0647\u064a\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u0639\u0646 \u0627\u0633\u062a\u063a\u0644\u0627\u0644\u0647\u0627 \u062a\u0633\u0639\u064a\u0631\u064a\u064b\u0627 \u0623\u0648 \u062a\u062c\u0627\u0631\u064a\u064b\u0627. \u0648\u0627\u0644\u062f\u0644\u064a\u0644 \u0645\u0646 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0646\u0641\u0633\u0647: \u062a\u0639\u0631\u064a\u0641\u0629 EBS \u0633\u0646\u062a \u0648\u0627\u062d\u062f \u0644\u0644\u0631\u0633\u0627\u0644\u0629\u060c \u0645\u0642\u0627\u0628\u0644 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0626\u0629 \u062c\u0646\u064a\u0647 \u0644\u062f\u0649 \u0628\u0639\u0636 \u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u2014 \u0646\u062d\u0648 30 \u0636\u0639\u0641\u064b\u0627\u060c \u0631\u063a\u0645 \u0645\u0631\u0648\u0631 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0639\u0628\u0631 \u0628\u0646\u064a\u0629 \u0645\u0645\u0627\u062b\u0644\u0629.<\/span><\/p>\n

\u0628\u0627\u062e\u062a\u0635\u0627\u0631: \u0644\u0627 \u062f\u0648\u0644\u0629 \u0646\u0627\u062c\u062d\u0629 \u062a\u062a\u0631\u0643 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0633\u064a\u0627\u062f\u064a\u0629 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u0628\u0625\u0637\u0644\u0627\u0642\u061b \u062c\u0645\u064a\u0639\u0647\u0627 \u062a\u064f\u0628\u0642\u064a \u064a\u062f\u0647\u0627 \u0639\u0644\u0649 \u0645\u0642\u0648\u062f\u0647\u0627\u060c \u0648\u062a\u0641\u062a\u062d \u0627\u0644\u0628\u0627\u0628 \u0644\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0641\u064a \u0637\u0628\u0642\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0641\u0642\u0637.<\/span><\/p>\n

\u0639\u0634\u0631 \u0631\u062e\u0635… \u0648\u0633\u0624\u0627\u0644 \u0627\u0644\u0639\u062f\u062f \u0627\u0644\u0630\u064a \u0644\u0645 \u064a\u064f\u062d\u0633\u0645<\/span><\/p>\n

\u0628\u062d\u0633\u0628 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0627\u062d\u0629\u060c \u0628\u0644\u063a \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u0645\u0631\u062e\u0651\u0635\u0629 \u0644\u062a\u0634\u063a\u064a\u0644 \u0645\u062d\u0648\u0651\u0644\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0639\u0634\u0631 \u0634\u0631\u0643\u0627\u062a\u060c \u0645\u0646 \u0628\u064a\u0646\u0647\u0627 \u0627\u0644\u0639\u0633\u062c\u062f. \u0648\u0645\u0639 \u0630\u0644\u0643 \u0638\u0644\u062a \u0627\u0644\u0639\u0633\u062c\u062f \u0648\u062d\u062f\u0647\u0627 \u0645\u062d\u0648\u0631 \u0627\u0644\u062c\u062f\u0644\u060c \u0628\u064a\u0646\u0645\u0627 \u0645\u0631\u0651\u062a \u0627\u0644\u062a\u0633\u0639 \u0627\u0644\u0623\u062e\u0631\u0649 \u062f\u0648\u0646 \u0645\u0639\u0631\u0641\u0629 \u0623\u0633\u0645\u0627\u0626\u0647\u0627 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0623\u0648 \u062a\u0648\u0627\u0631\u064a\u062e \u062a\u0631\u062e\u064a\u0635\u0647\u0627.<\/span><\/p>\n

\u0648\u0623\u0636\u0627\u0641 \u062a\u0635\u0631\u064a\u062d \u0631\u0633\u0645\u064a \u0644\u0627\u062d\u0642 \u0645\u0646 \u0645\u062f\u064a\u0631 \u0625\u062f\u0627\u0631\u0629 \u0646\u0638\u0645 \u0627\u0644\u062f\u0641\u0639 \u0637\u0628\u0642\u0629 \u063a\u0645\u0648\u0636 \u0625\u0636\u0627\u0641\u064a\u0629: \u0625\u0630 \u0630\u0643\u0631 \u0623\u0646 \u0634\u0631\u0643\u062a\u064a\u0646 \u0641\u0642\u0637 \u0633\u0628\u0642\u062a\u0627 \u0627\u0644\u0639\u0633\u062c\u062f (2024 \u06482025) \u2014 \u0631\u0642\u0645 \u064a\u062a\u0646\u0627\u0642\u0636 \u0645\u0639 \u0645\u0627 \u0647\u0648 \u0645\u062a\u062f\u0627\u0648\u0644 \u0639\u0646 \u062a\u0633\u0639 \u0634\u0631\u0643\u0627\u062a \u0623\u062e\u0631\u0649. \u0648\u0647\u0630\u0627 \u0627\u0644\u062a\u0641\u0627\u0648\u062a \u0644\u064a\u0633 \u062a\u0641\u0635\u064a\u0644\u064b\u0627 \u0647\u0627\u0645\u0634\u064a\u064b\u0627\u061b \u0641\u0647\u0648 \u064a\u062d\u062f\u062f \u0625\u0646 \u0643\u0627\u0646\u062a \u0627\u0644\u0638\u0627\u0647\u0631\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0623\u0645 \u0648\u0627\u0633\u0639\u0629 \u062a\u0633\u062a\u062d\u0642 \u0645\u0631\u0627\u062c\u0639\u0629 \u0634\u0627\u0645\u0644\u0629\u060c \u0644\u0627 \u0645\u0639\u0627\u0644\u062c\u0629 \u062d\u0627\u0644\u0629 \u0648\u0627\u062d\u062f\u0629 \u062a\u062d\u062a \u0636\u063a\u0637 \u0627\u0644\u0631\u0623\u064a \u0627\u0644\u0639\u0627\u0645.<\/span><\/p>\n

\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0645\u0641\u0635\u0644\u064a\u0629: \u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0646\u062a\u0638\u0631\u0647 \u0627\u0644\u0631\u0623\u064a \u0627\u0644\u0639\u0627\u0645 \u0645\u0646 \u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u061f<\/span><\/p>\n

\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u062d\u062f\u0647\u0627 \u2014 \u0644\u0627 \u0627\u0644\u062c\u062f\u0644 \u0627\u0644\u0625\u0639\u0644\u0627\u0645\u064a \u2014 \u0647\u064a \u0645\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0637\u0648\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u0644\u0641 \u0645\u0646 \u062c\u0630\u0648\u0631\u0647:<\/span><\/p>\n

    \n
  1. \u0627\u0644\u0639\u062f\u062f \u0648\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0643\u0627\u0645\u0644\u0629\u00a0 \u0643\u0645 \u0639\u062f\u062f \u0627\u0644\u062a\u0631\u0627\u062e\u064a\u0635 \u0627\u0644\u0641\u0639\u0644\u064a \u0627\u0644\u0645\u0645\u0646\u0648\u062d \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u062d\u062a\u0649 \u062a\u0627\u0631\u064a\u062e\u0647\u061f \u0648\u0645\u0627 \u0627\u0644\u0623\u0633\u0645\u0627\u0621 \u0627\u0644\u0643\u0627\u0645\u0644\u0629 \u0644\u062c\u0645\u064a\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0639\u0634\u0631\u060c \u0645\u0646\u0634\u0648\u0631\u0629 \u0641\u064a \u0645\u0635\u062f\u0631 \u0631\u0633\u0645\u064a \u0648\u0627\u062d\u062f \u0645\u062d\u062f\u064e\u0651\u062b\u061f \u0648\u0644\u0645\u0627\u0630\u0627 \u062a\u0636\u0627\u0631\u0628\u062a \u0627\u0644\u062a\u0635\u0631\u064a\u062d\u0627\u062a \u0627\u0644\u0631\u0633\u0645\u064a\u0629 \u062d\u0648\u0644 \u0647\u0630\u0627 \u0627\u0644\u0631\u0642\u0645\u061f<\/span><\/li>\n
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  3. \u0627\u0644\u0645\u0644\u0643\u064a\u0629 \u0628\u0634\u0641\u0627\u0641\u064a\u0629\u00a0 \u0645\u0646 \u0647\u0645 \u0627\u0644\u0645\u0644\u0651\u0627\u0643 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0648\u0646 (UBO) \u0644\u0643\u0644 \u0634\u0631\u0643\u0629\u061f \u0648\u0647\u0644 \u0644\u0628\u0646\u0643 \u0627\u0644\u0633\u0648\u062f\u0627\u0646 \u0623\u0648 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u062d\u0635\u0629 \u0645\u0624\u062b\u0631\u0629 \u0641\u064a \u0623\u064a \u0645\u0646\u0647\u0627\u060c \u0639\u0644\u0649 \u063a\u0631\u0627\u0631 \u0646\u0645\u0648\u0630\u062c \u00ab\u0645\u062f\u0649\u00bb \u0623\u0648 \u00ab\u0646\u062a\u0633 \u064a\u0648\u0646\u064a\u0648\u0646\u00bb\u061f<\/span><\/li>\n
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     <\/p>\n","protected":false},"excerpt":{"rendered":"

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