{"id":5485,"date":"2026-05-28T18:01:29","date_gmt":"2026-05-28T18:01:29","guid":{"rendered":"https:\/\/futuretechs2040.com\/?p=5485"},"modified":"2026-05-28T18:01:29","modified_gmt":"2026-05-28T18:01:29","slug":"%d8%ab%d9%88%d8%b1%d8%a9-%d8%a7%d9%84%d9%85%d8%b5%d8%b1%d9%81%d9%8a%d8%a9-%d8%a7%d9%84%d9%85%d9%81%d8%aa%d9%88%d8%ad%d8%a9-open-banking-%d9%81%d9%8a-%d8%a7%d9%84%d8%b3%d8%b9%d9%88%d8%af%d9%8a%d8%a9","status":"publish","type":"post","link":"https:\/\/futuretechs2040.com\/?p=5485","title":{"rendered":"\u062b\u0648\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 (Open Banking) \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629: \u0643\u064a\u0641 \u062a\u064f\u063a\u064a\u0631 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a 2026\u061f"},"content":{"rendered":"

\u062b\u0648\u0631\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 (Open Banking) \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629: \u0643\u064a\u0641 \u062a\u064f\u063a\u064a\u0631 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0648\u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a 2026\u061f<\/p>\n

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\u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0648\u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0641\u064a \u0628\u064a\u0626\u062a\u0646\u0627 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u061f<\/h3>\n

\u0628\u0627\u062e\u062a\u0635\u0627\u0631\u060c \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0647\u064a \u0645\u0645\u0627\u0631\u0633\u0629 \u062a\u062a\u064a\u062d \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0645\u0634\u0627\u0631\u0643\u0629 \u0628\u064a\u0627\u0646\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u0623\u0645\u0627\u0646 \u0645\u0639 \u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b (\u0645\u062b\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 “FinTech<\/a>” \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a (APIs).<\/p>\n

\u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u064a\u062a\u0645 \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u062a\u062d\u062a \u0645\u0638\u0644\u0629 \u0631\u0642\u0627\u0628\u064a\u0629 \u0635\u0627\u0631\u0645\u0629 \u062a\u0642\u0648\u062f\u0647\u0627 “\u0633\u0627\u0645\u0627” \u0639\u0628\u0631 \u0625\u0637\u0627\u0631 \u0639\u0645\u0644 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629<\/b>\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0636\u0645\u0646 \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062a\u062d\u0643\u0645 \u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0628\u064a\u0627\u0646\u0627\u062a\u0647\u061b \u0641\u0644\u0627 \u064a\u062a\u0645 \u0645\u0634\u0627\u0631\u0643\u0629 \u0623\u064a \u0645\u0639\u0644\u0648\u0645\u0629 \u0625\u0644\u0627 \u0628\u0645\u0648\u0627\u0641\u0642\u062a\u0647 \u0627\u0644\u0635\u0631\u064a\u062d\u0629 (Consent-driven framework) \u0648\u062f\u0627\u062e\u0644 \u0628\u064a\u0626\u0629 \u0645\u0634\u0641\u0631\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644.<\/p>\n

\u0643\u064a\u0641 \u062a\u064f\u063a\u064a\u0651\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u061f<\/h3>\n

\u0627\u0646\u062a\u0647\u0649 \u0639\u0635\u0631 \u062a\u0634\u062a\u062a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u064a\u0646 \u062b\u0644\u0627\u062b\u0629 \u0623\u0648 \u0623\u0631\u0628\u0639\u0629 \u0628\u0646\u0648\u0643 \u0645\u062e\u062a\u0644\u0641\u0629. \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u062c\u0627\u0621\u062a \u0644\u062a\u0642\u062f\u0645 \u0644\u0644\u0645\u0648\u0627\u0637\u0646 \u0648\u0627\u0644\u0645\u0642\u064a\u0645 \u062a\u062c\u0631\u0628\u0629 \u0645\u0627\u0644\u064a\u0629 \u0645\u062e\u0635\u0635\u0629 \u0648\u0641\u0627\u0626\u0642\u0629 \u0627\u0644\u0630\u0643\u0627\u0621:<\/p>\n

    \n
  • \n

    \u062a\u062c\u0645\u064a\u0639 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0641\u064a \u0634\u0627\u0634\u0629 \u0648\u0627\u062d\u062f\u0629:<\/b> \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0641\u062a\u062d 4 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0644\u0628\u0646\u0648\u0643 \u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u0645\u0635\u0627\u0631\u064a\u0641\u0643\u060c \u062a\u062a\u064a\u062d \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u062b\u0644 (\u062a\u0637\u0628\u064a\u0642 \u062f\u0631\u0627\u0647\u0645 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0631\u062e\u0635\u0629 \u062d\u062f\u064a\u062b\u0627\u064b) \u0631\u0628\u0637 \u0643\u0627\u0641\u0629 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0641\u064a \u0648\u0627\u062c\u0647\u0629 \u0648\u0627\u062d\u062f\u0629\u060c \u0645\u0645\u0627 \u064a\u0645\u0646\u062d\u0643 \u0631\u0624\u064a\u0629 \u0643\u0627\u0645\u0644\u0629 \u0644\u062b\u0631\u0648\u062a\u0643 \u0648\u0635\u0627\u0641\u064a \u062f\u062e\u0644\u0643 \u0628\u0636\u063a\u0637\u0629 \u0632\u0631.<\/p>\n<\/li>\n

  • \n

    \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0627\u0644\u0630\u0643\u064a\u0629 (PFM):<\/b> \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u062a\u0642\u0648\u0645 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0628\u062a\u062d\u0644\u064a\u0644 \u0633\u0644\u0648\u0643\u0643 \u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u064a \u062a\u0644\u0642\u0627\u0626\u064a\u0627\u064b\u060c \u0648\u062a\u0646\u0628\u064a\u0647\u0643 \u0639\u0646\u062f \u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629\u060c \u0648\u062a\u0642\u062f\u064a\u0645 \u0646\u0635\u0627\u0626\u062d \u0627\u062f\u062e\u0627\u0631 \u0630\u0643\u064a\u0629 \u0645\u0628\u0646\u064a\u0629 \u0639\u0644\u0649 \u0646\u0645\u0637 \u062d\u064a\u0627\u062a\u0643 \u0627\u0644\u0641\u0639\u0644\u064a.<\/p>\n<\/li>\n

  • \n

    \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0641\u0648\u0631\u064a \u0648\u0627\u0644\u062f\u0642\u064a\u0642:<\/b> \u0639\u0646\u062f \u0627\u0644\u062a\u0642\u062f\u0645 \u0644\u0637\u0644\u0628 \u062a\u0645\u0648\u064a\u0644 \u0634\u062e\u0635\u064a \u0623\u0648 \u0639\u0642\u0627\u0631\u064a\u060c \u0644\u0646 \u062a\u062d\u062a\u0627\u062c \u0644\u0627\u0633\u062a\u062e\u0631\u0627\u062c \u0643\u0634\u0648\u0641\u0627\u062a \u062d\u0633\u0627\u0628 \u0648\u0631\u0642\u064a\u0629\u061b \u0639\u0628\u0631 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629\u060c \u064a\u0645\u0643\u0646 \u0644\u062c\u0647\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0627\u0644\u0641\u0648\u0631\u064a \u0648\u0627\u0644\u0622\u0645\u0646 \u0639\u0644\u0649 \u0645\u0644\u0627\u0621\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 \u0645\u0648\u0627\u0641\u0642\u0629 \u0641\u0648\u0631\u064a\u0629 \u062e\u0644\u0627\u0644 \u062f\u0642\u0627\u0626\u0642 \u0648\u0628\u0646\u0633\u0628 \u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u062e\u0635\u0635\u0629 \u0644\u0643 \u0628\u062f\u0642\u0629.<\/p>\n<\/li>\n<\/ul>\n

    \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629.. \u0627\u0644\u0648\u0642\u0648\u062f \u0627\u0644\u062c\u062f\u064a\u062f \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/h3>\n

    \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0647\u0648 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0623\u0643\u0628\u0631 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0631\u0641\u0627\u0647\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0641\u0625\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 (FinTech Startups) \u0647\u064a \u0627\u0644\u0631\u0627\u0628\u062d \u0627\u0644\u0623\u0643\u0628\u0631 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0646\u0645\u0648 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631. \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 \u0641\u062a\u062d\u062a \u0623\u0633\u0648\u0627\u0642\u0627\u064b \u062a\u0642\u062f\u0631 \u0628\u0645\u0644\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629:<\/p>\n

      \n
    • \n

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    • \n

      \u0627\u0632\u062f\u0647\u0627\u0631 \u062d\u0644\u0648\u0644 “\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0627\u0644\u0628\u062f\u064a\u0644”:<\/b> \u062a\u0645\u0643\u0646\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a “\u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u0644\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u0627\u064b” (BNPL) \u0623\u0648 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0648\u0627\u0644\u0625\u0642\u0631\u0627\u0636 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 (P2P) \u0645\u0646 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0628\u062f\u0642\u0629 \u0645\u062a\u0646\u0627\u0647\u064a\u0629\u060c \u0645\u0645\u0627 \u0642\u0644\u0644 \u0645\u0646 \u0646\u0633\u0628 \u0627\u0644\u062a\u0639\u062b\u0631 \u0648\u0641\u062a\u062d \u0622\u0641\u0627\u0642 \u062a\u0645\u0648\u064a\u0644\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635.<\/p>\n<\/li>\n

    • \n

      \u062a\u0637\u0648\u064a\u0631 \u0642\u0637\u0627\u0639 \u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (InsurTech):<\/b> \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0645\u062e\u0635\u0635\u0629 \u0648\u0628\u0623\u0633\u0639\u0627\u0631 \u0639\u0627\u062f\u0644\u0629 \u062a\u0646\u0627\u0633\u0628 \u0627\u0644\u0633\u062c\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0633\u0644\u0648\u0643 \u0627\u0644\u0639\u0645\u064a\u0644.<\/p>\n<\/li>\n<\/ul>\n

      \u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645: \u0623\u064a\u0646 \u062a\u0642\u0641 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u064a\u0648\u0645 \u0641\u064a 2026\u061f<\/h3>\n

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        \n
      • \n

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      • \n

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      • \n

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