{"id":4904,"date":"2022-01-13T04:35:39","date_gmt":"2022-01-13T04:35:39","guid":{"rendered":"https:\/\/blog.ethis.co\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/"},"modified":"2022-01-13T04:35:47","modified_gmt":"2022-01-13T04:35:47","slug":"%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83","status":"publish","type":"post","link":"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/","title":{"rendered":"\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 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\u0627\u0644\u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u0623\u062d\u062f\u062b \u0645\u0646 \u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0633\u062f\u0627\u062f \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 &#8211; \u0627\u0644\u0645\u0639\u0631\u0648\u0641\u0629 \u0628\u062e\u062f\u0645\u0627\u062a &#8220;\u0627\u0634\u062a\u0631 \u0627\u0644\u0622\u0646 \u060c \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627&#8221; (BNPL) &#8211; \u0623\u0643\u062b\u0631 \u0628\u0631\u0648\u0632\u064b\u0627 \u060c \u062d\u064a\u062b \u0646\u0645\u0627 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0642\u0628\u0648\u0644\u0647\u0627 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631.<\/p>\n\n<p>\u062a\u0645\u0643\u0646 \u062e\u062f\u0645\u0627\u062a BNPL \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0645\u0646 \u0634\u0631\u0627\u0621 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\u0641\u0631\u0635\u064b\u0627 \u0643\u0628\u064a\u0631\u0629 \u0644\u0640 BNPL \u0641\u064a \u0633\u064a\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u062d\u064a\u062b \u062a\u0642\u062f\u0631 \u0642\u064a\u0645\u0629 \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u062a\u0646\u0627\u0645\u064a\u0629 \u0628\u0640 2.8 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u060c \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u062a\u0646\u0645\u0648 \u0625\u0644\u0649 4.8 \u062a\u0631\u064a\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2024 (BNY Mellon). \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 BNPL \u0643\u0623\u062f\u0627\u0629 \u0645\u0627\u0644\u064a\u0629 \u0641\u0639\u0627\u0644\u0629 \u0641\u064a \u062a\u0648\u0644\u064a\u062f \u0642\u064a\u0645\u0629 \u0645\u0627\u0644\u064a\u0629 \u0647\u0627\u0626\u0644\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u0645\u0633\u0644\u0645\u064a\u0646 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645. <\/p>\n\n<p>\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a \u0627\u0644\u062a\u0627\u0644\u064a \u064a\u0635\u0648\u0631 \u0646\u0645\u0648\u0630\u062c\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627 \u062a\u0642\u0644\u064a\u062f\u064a\u064b\u0627 \u0644\u0645\u062e\u0637\u0637 BNPL:<\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"4000\" height=\"2248\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited.png\" alt=\"\" class=\"wp-image-3197\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited.png 4000w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited-300x169.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited-1024x575.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited-768x432.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited-1536x863.png 1536w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/ills11-edited-2048x1151.png 2048w\" sizes=\"(max-width: 4000px) 100vw, 4000px\" \/><\/figure>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_51_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d8d15a7ab90\" ><span class=\"\"><span style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-69d8d15a7ab90\"  type=\"checkbox\" id=\"item-69d8d15a7ab90\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%AE%D8%AF%D9%85%D8%A7%D8%AA_BNPL_%D8%A7%D9%84%D8%AD%D8%A7%D9%84%D9%8A%D8%A9_%D8%BA%D9%8A%D8%B1_%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82%D8%A9_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D9%84%D8%A3%D8%B1%D8%A8%D8%B9%D8%A9_%D8%A3%D8%B3%D8%A8%D8%A7%D8%A8\" title=\"\u062e\u062f\u0645\u0627\u062a BNPL \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0628\u0627\u0628: \">\u062e\u062f\u0645\u0627\u062a BNPL \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0628\u0627\u0628: <\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%B3%D9%8A%D9%83%D9%88%D9%86_%D8%A7%D9%84%D8%A8%D8%AF%D9%8A%D9%84_%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%84%D9%80_BNPL_%D9%83%D9%85%D8%A7_%D9%8A%D9%84%D9%8A\" title=\"\u0633\u064a\u0643\u0648\u0646 \u0627\u0644\u0628\u062f\u064a\u0644 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0640 BNPL \u0643\u0645\u0627 \u064a\u0644\u064a:\">\u0633\u064a\u0643\u0648\u0646 \u0627\u0644\u0628\u062f\u064a\u0644 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0640 BNPL \u0643\u0645\u0627 \u064a\u0644\u064a:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%B9%D9%8A%D9%86%D8%A9_%D9%85%D9%86_%D9%85%D8%B9%D8%A7%D9%85%D9%84%D8%A9_BNPL_%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82%D8%A9_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9\" title=\"\u0639\u064a\u0646\u0629 \u0645\u0646 \u0645\u0639\u0627\u0645\u0644\u0629 BNPL \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\">\u0639\u064a\u0646\u0629 \u0645\u0646 \u0645\u0639\u0627\u0645\u0644\u0629 BNPL \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%A7%D9%84%D9%82%D8%B6%D8%A7%D9%8A%D8%A7_%D8%A7%D9%84%D8%B4%D8%B1%D8%B9%D9%8A%D8%A9_%D8%A7%D9%84%D8%A3%D8%B3%D8%A7%D8%B3%D9%8A%D8%A9_%D8%B9%D9%86%D8%AF_%D8%A7%D9%84%D8%AA%D8%B9%D8%A7%D9%85%D9%84_%D9%85%D8%B9_%D9%85%D8%AE%D8%B7%D8%B7%D8%A7%D8%AA_BNPL_%D9%87%D9%8A_%D9%83%D9%85%D8%A7_%D9%8A%D9%84%D9%8A\" title=\"\u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u062e\u0637\u0637\u0627\u062a BNPL \u0647\u064a \u0643\u0645\u0627 \u064a\u0644\u064a:\">\u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u062e\u0637\u0637\u0627\u062a BNPL \u0647\u064a \u0643\u0645\u0627 \u064a\u0644\u064a:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%A7%D9%84%D8%A3%D8%B3%D9%88%D8%A7%D9%82_%D8%A7%D9%84%D8%B1%D8%A6%D9%8A%D8%B3%D9%8A%D8%A9_%D9%84%D9%85%D8%B5%D8%B1%D9%81_BNPL_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A\" title=\"\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0645\u0635\u0631\u0641 BNPL \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a:\">\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0645\u0635\u0631\u0641 BNPL \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a:<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/#%D8%A7%D8%B3%D8%AA%D9%86%D8%AA%D8%A7%D8%AC\" title=\"\u0627\u0633\u062a\u0646\u062a\u0627\u062c\">\u0627\u0633\u062a\u0646\u062a\u0627\u062c<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%D8%AE%D8%AF%D9%85%D8%A7%D8%AA_BNPL_%D8%A7%D9%84%D8%AD%D8%A7%D9%84%D9%8A%D8%A9_%D8%BA%D9%8A%D8%B1_%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82%D8%A9_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D9%84%D8%A3%D8%B1%D8%A8%D8%B9%D8%A9_%D8%A3%D8%B3%D8%A8%D8%A7%D8%A8\"><\/span><strong>\u062e\u062f\u0645\u0627\u062a BNPL \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u063a\u064a\u0631 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0644\u0623\u0631\u0628\u0639\u0629 \u0623\u0633\u0628\u0627\u0628: <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<ol><li><strong>\u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/strong> &#8211; \u064a\u062a\u0645 \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0639\u0646\u062f \u0639\u062f\u0645 \u0627\u0644\u0633\u062f\u0627\u062f \u0623\u0648 \u0625\u0630\u0627 \u0627\u062e\u062a\u0627\u0631 \u0627\u0644\u0639\u0645\u064a\u0644 \u062a\u062d\u0648\u064a\u0644 \u0645\u062f\u0641\u0648\u0639\u0627\u062a\u0647 \u0625\u0644\u0649 \u0623\u0642\u0633\u0627\u0637 \u0634\u0647\u0631\u064a\u0629 \u0639\u0644\u0649 \u0645\u062f\u0649 \u0641\u062a\u0631\u0629.<\/li><\/ol>\n<ol start=\"2\"><li><strong>\u0627\u0644\u0633\u0644\u0639 \/ \u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/strong> \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0629 &#8211; \u0644\u064a\u0633 \u0644\u062f\u0649 \u0645\u0635\u0631\u0641 BNPL \u0623\u064a \u0642\u064a\u0648\u062f \u0639\u0644\u0649 \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0634\u0631\u0627\u0624\u0647\u0627.<\/li><\/ol>\n<ol start=\"3\"><li><strong>\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645<\/strong> &#8211; \u0644\u0627 \u064a\u0648\u062c\u062f \u0623\u0633\u0627\u0633 \u062a\u0639\u0627\u0642\u062f\u064a \u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0645\u0639\u0627\u0645\u0644\u0629 BNPL \u0628\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0648\u0627\u0644\u0639\u0645\u064a\u0644 \u0623\u0648 \u0628\u064a\u0646 \u0645\u0632\u0648\u062f BNPL \u0648\u0627\u0644\u0639\u0645\u064a\u0644. \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0628\u064a\u0646 \u0645\u0632\u0648\u062f BNPL \u0648\u0627\u0644\u0639\u0645\u064a\u0644 \u0647\u064a \u062a\u0644\u0643 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0642\u0631\u0636 \u0628\u0641\u0627\u0626\u062f\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0645\u0639 \/ \u0628\u062f\u0648\u0646 \u0631\u0633\u0648\u0645 \u062e\u062f\u0645\u0629 \/ \u063a\u0631\u0627\u0645\u0627\u062a. <\/li><\/ol>\n<ol start=\"4\"><li><strong>\u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/strong> &#8211; \u062a\u0623\u062a\u064a \u0645\u0639\u0638\u0645 \u0627\u0644\u0633\u0644\u0639 \/ \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0639 \u0628\u0648\u0644\u064a\u0635\u0629 \u062a\u0623\u0645\u064a\u0646 \u062e\u0627\u0635\u0629 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629. \u0623\u0646\u0638\u0645\u0629 \u0648\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0645\u062d\u0638\u0648\u0631\u0629 \u0641\u064a \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u0628\u0648\u0627\u0644\u0635 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0647\u064a \u0623\u064a\u0636\u0627 \u063a\u064a\u0631 \u0645\u0633\u0645\u0648\u062d \u0628\u0647\u0627. <\/li><\/ol>\n<h3><span class=\"ez-toc-section\" id=\"%D8%B3%D9%8A%D9%83%D9%88%D9%86_%D8%A7%D9%84%D8%A8%D8%AF%D9%8A%D9%84_%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9_%D9%84%D9%80_BNPL_%D9%83%D9%85%D8%A7_%D9%8A%D9%84%D9%8A\"><\/span><strong>\u0633\u064a\u0643\u0648\u0646 \u0627\u0644\u0628\u062f\u064a\u0644 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u0640 BNPL \u0643\u0645\u0627 \u064a\u0644\u064a:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>\u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u0633\u0644\u0639 \/ \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647\u0627 \u0641\u0642\u0637 \u0645\u0646 \u0645\u0632\u0648\u062f BNPL \u0639\u0628\u0631 \u0627\u0644\u062a\u0627\u062c\u0631 \u0628\u0647\u064a\u0643\u0644 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0632\u0627\u0626\u062f (\u0645\u0631\u0627\u0628\u062d\u0629) \u0623\u0648 \u0628\u062f\u0648\u0646 \u062a\u0643\u0644\u0641\u0629 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0647\u064a\u0643\u0644 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (Tawliyah).<\/p>\n\n<ol start=\"2\"><li>\u064a\u062c\u0648\u0632 \u0644\u0644\u0639\u0645\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u062e\u062f\u0645\u0629 \u0645\u0646\u0641\u0635\u0644\u0629 (Ujrah) \u0644\u0645\u0632\u0648\u062f BNPL \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 \u0627\u0644\u0639\u0645\u064a\u0644 \u0645\u0642\u0627\u0628\u0644 \u0631\u0633\u0648\u0645 \u062e\u062f\u0645\u0629 \u0645\u062d\u062f\u062f\u0629 \u0645\u0633\u0628\u0642\u064b\u0627.<\/li><\/ol>\n<ol start=\"3\"><li>\u064a\u0642\u0648\u0645 \u0627\u0644\u0639\u0645\u064a\u0644 \u0628\u0634\u0631\u0627\u0621 \u062a\u0643\u0627\u0641\u0644 (\u0633\u064a\u0627\u0633\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a) \u0625\u0630\u0627 \u0644\u0632\u0645 \u0627\u0644\u0623\u0645\u0631 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u062e\u0644\u0641 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f \u0648\u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0644\u0644\u0633\u0644\u0639 \/ \u0627\u0644\u062e\u062f\u0645\u0627\u062a.<\/li><\/ol>\n<ol start=\"4\"><li>\u064a\u0648\u0642\u0639 \u0627\u0644\u0639\u0645\u064a\u0644 \u0627\u062a\u0641\u0627\u0642\u064a\u062a\u064a\u0646 \u0645\u0646\u0641\u0635\u0644\u062a\u064a\u0646 \u0645\u062a\u0648\u0627\u0641\u0642\u0627\u0646 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u0645\u0639\u062a\u0645\u062f\u0627\u0646 \u0645\u0646 \u0623\u062c\u0644 \u0625\u0628\u0631\u0627\u0645 \u0648\u062a\u0646\u0641\u064a\u0630 \u0645\u0639\u0627\u0645\u0644\u0629 \u0645\u0631\u0627\u0628\u062d\u0629 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/li><\/ol>\n<ol start=\"5\"><li>\u0633\u064a\u0643\u0648\u0646 \u0644\u062f\u0649 BNPL \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0634\u0631\u0639\u064a\u0629 \u0645\u0646\u0641\u0635\u0644\u0629 \u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u0644\u0639 \/ \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0628\u0645\u0648\u062c\u0628 \u0627\u062a\u0641\u0627\u0642\u064a\u0629 \u0634\u0631\u0627\u0621 \/ \u0628\u064a\u0639 \u0633\u0627\u0631\u064a\u0629 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 (\u0645\u0633\u0627\u0648\u0645\u0629) \u0648\u062a\u0641\u0648\u064a\u0636 \u0648\u0643\u0627\u0644\u0629 (\u0648\u0643\u0627\u0644\u0629) \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0639 \/ \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0644\u0627\u062d\u0642 \u0625\u0644\u0649 \u0639\u0645\u064a\u0644 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0646\u0647\u0627\u0626\u064a. <\/li><\/ol>\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/91-1024x536.png\" alt=\"\" class=\"wp-image-3198\" srcset=\"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/91-1024x536.png 1024w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/91-300x157.png 300w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/91-768x402.png 768w, https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/91.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<h3><span class=\"ez-toc-section\" id=\"%D8%B9%D9%8A%D9%86%D8%A9_%D9%85%D9%86_%D9%85%D8%B9%D8%A7%D9%85%D9%84%D8%A9_BNPL_%D8%A7%D9%84%D9%85%D8%AA%D9%88%D8%A7%D9%81%D9%82%D8%A9_%D9%85%D8%B9_%D8%A7%D9%84%D8%B4%D8%B1%D9%8A%D8%B9%D8%A9_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A%D8%A9\"><\/span><strong>\u0639\u064a\u0646\u0629 \u0645\u0646 \u0645\u0639\u0627\u0645\u0644\u0629 BNPL \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<ol><li>\u062a\u0644\u0642\u0649 \u0632\u064a\u062f \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0646 \u0634\u0631\u0643\u0629 \u062a\u0645\u0648\u064a\u0644 \u0646\u062e\u064a\u0644 BNPL \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/li><li>\u064a\u0633\u0639\u0649 \u0632\u064a\u062f \u0644\u0634\u0631\u0627\u0621 \u0647\u0627\u062a\u0641 iPhone \u0645\u0642\u0627\u0628\u0644 1500 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u062e\u0637\u0637 \u0627\u0644\u0645\u0631\u0627\u0628\u062d\u0629 BNPL.<\/li><li>\u064a\u0642\u0648\u0645 \u0645\u0632\u0648\u062f BNPL \u0628\u0634\u0631\u0627\u0621 iPhone \u0645\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0645\u0642\u0627\u0628\u0644 1500 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a (\u0645\u0633\u0627\u0648\u0645\u0629)<\/li><li> \u062b\u0645 \u064a\u0639\u064a\u062f BNPL \u0628\u064a\u0639 iPhone \u0645\u0642\u0627\u0628\u0644 1750 \u062f\u0648\u0644\u0627\u0631\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627 \u0645\u0639 \u0647\u0627\u0645\u0634 \u0631\u0628\u062d \u064a\u0634\u0645\u0644 \u0631\u0633\u0648\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 \u0644\u0632\u064a\u062f (\u0645\u0631\u0627\u0628\u062d\u0629). <\/li><li>\u062a\u0645 \u062a\u0639\u064a\u064a\u0646 \u0627\u0644\u062a\u0627\u062c\u0631 \u0643\u0648\u0643\u064a\u0644 (\u0648\u0643\u064a\u0644) \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \/ \u0627\u0644\u0628\u064a\u0639 \u0645\u0639 \u0632\u064a\u062f.<\/li><li>\u064a\u062f\u0641\u0639 \u0632\u064a\u062f \u062b\u0645\u0646 iPhone \u0639\u0644\u0649 \u0645\u062f\u0649 \u0641\u062a\u0631\u0629 \u0645\u062d\u062f\u062f\u0629 \u0625\u0644\u0649 \u0645\u0632\u0648\u062f BNPL.<\/li><\/ol>\n<h3><span class=\"ez-toc-section\" id=\"%D8%A7%D9%84%D9%82%D8%B6%D8%A7%D9%8A%D8%A7_%D8%A7%D9%84%D8%B4%D8%B1%D8%B9%D9%8A%D8%A9_%D8%A7%D9%84%D8%A3%D8%B3%D8%A7%D8%B3%D9%8A%D8%A9_%D8%B9%D9%86%D8%AF_%D8%A7%D9%84%D8%AA%D8%B9%D8%A7%D9%85%D9%84_%D9%85%D8%B9_%D9%85%D8%AE%D8%B7%D8%B7%D8%A7%D8%AA_BNPL_%D9%87%D9%8A_%D9%83%D9%85%D8%A7_%D9%8A%D9%84%D9%8A\"><\/span><strong>\u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0634\u0631\u0639\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0645\u062e\u0637\u0637\u0627\u062a BNPL \u0647\u064a \u0643\u0645\u0627 \u064a\u0644\u064a:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<ol><li><strong>\u0627\u0644\u0634\u0631\u0648\u0637 \u0648\u0627\u0644\u0623\u062d\u0643\u0627\u0645<\/strong> &#8211; \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0628\u0646\u0648\u062f \u0648\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u062a\u0631\u062a\u064a\u0628\u0627\u062a \u0627\u0644\u062a\u0639\u0627\u0642\u062f\u064a\u0629 \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/li><\/ol>\n<ol start=\"2\"><li><strong>\u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629 \u0648\u0627\u0644\u0645\u0639\u062a\u0645\u062f\u0629<\/strong> &#8211; \u064a\u062c\u0628 \u062a\u0639\u064a\u064a\u0646 \u0647\u064a\u0626\u0629 \u0634\u0631\u0639\u064a\u0629 \u0645\u062e\u062a\u0635\u0629 \u0644\u0644\u062a\u0635\u062f\u064a\u0642 \u0648\u0625\u0635\u062f\u0627\u0631 \u0641\u062a\u0648\u0649 \u0644\u0635\u0627\u0644\u062d \u0645\u062e\u0637\u0637 BNPL.<\/li><\/ol>\n<ol start=\"3\"><li><strong>\u0627\u0644\u062a\u062f\u0642\u064a\u0642 \u0648\u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u0634\u0631\u0639\u064a\u0629<\/strong> &#8211; \u064a\u062c\u0628 \u0625\u062c\u0631\u0627\u0621 \u062a\u062f\u0642\u064a\u0642 \u0648\u0645\u0631\u0627\u062c\u0639\u0629 \u0634\u0631\u0639\u064a\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062f\u0648\u0631\u064a \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0628\u0646\u0633\u0628\u0629 100\u066a \u0648\u0645\u0635\u062f\u0627\u0642\u064a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/li><\/ol>\n<ol start=\"4\"><li><strong>\u0636\u0631\u0627\u0626\u0628 \u0648\u0645\u062d\u0627\u0633\u0628\u0629<\/strong> \u0627\u0644\u0634\u0631\u064a\u0639\u0629 &#8211; \u064a\u062c\u0628 \u0625\u062c\u0631\u0627\u0621 \u0645\u0631\u0627\u062c\u0639\u0629 \u0636\u0631\u064a\u0628\u064a\u0629 \u0648\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0644\u0634\u0631\u064a\u0639\u0629 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u062c\u0645\u064a\u0639 \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u062d\u0644\u064a\u0629.<\/li><\/ol>\n<ol start=\"5\"><li><strong>\u0645\u0648\u0627\u062f \u0627\u0644\u062a\u0633\u0648\u064a\u0642<\/strong> &#8211; \u064a\u062c\u0628 \u0623\u064a\u0636\u064b\u0627 \u0645\u0631\u0627\u062c\u0639\u0629 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u062a\u0633\u0648\u064a\u0642\u064a\u0629 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u0648\u0627\u0641\u0642\u0647\u0627 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/li><\/ol>\n<ol start=\"6\"><li><strong>\u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0648\u0631\u0633\u0648\u0645 \u0627\u0644\u062e\u062f\u0645\u0629<\/strong> &#8211; \u064a\u062c\u0628 \u0641\u0631\u0636 \u0631\u0633\u0648\u0645 \u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0625\u0646 \u0648\u062c\u062f\u062a \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u062a\u0642\u0635\u064a\u0631 \u0627\u0644\u0634\u062f\u064a\u062f \u0645\u0639 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0646\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0645\u0646\u0641\u0639\u0629 \u0645\u0627\u0644\u064a\u0629 \u0648\u064a\u062c\u0628 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647\u0627 \u0641\u064a \u0645\u0624\u0633\u0633\u0629 \u062e\u064a\u0631\u064a\u0629 \u0628\u0645\u0628\u0644\u063a \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647 \u0641\u064a \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0628\u0631\u0631\u0629. <\/li><\/ol>\n<h3><span class=\"ez-toc-section\" id=\"%D8%A7%D9%84%D8%A3%D8%B3%D9%88%D8%A7%D9%82_%D8%A7%D9%84%D8%B1%D8%A6%D9%8A%D8%B3%D9%8A%D8%A9_%D9%84%D9%85%D8%B5%D8%B1%D9%81_BNPL_%D8%A7%D9%84%D8%A5%D8%B3%D9%84%D8%A7%D9%85%D9%8A\"><\/span><strong>\u0627\u0644\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0645\u0635\u0631\u0641 BNPL \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n<p>\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<\/p>\n\n<p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/p>\n\n<p>\u0627\u0644\u0643\u0648\u064a\u062a<\/p>\n\n<p>\u0645\u0627\u0644\u064a\u0632\u064a\u0627<\/p>\n\n<p>\u0625\u0646\u062f\u0648\u0646\u064a\u0633\u064a\u0627<\/p>\n\n<p>\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629<\/p>\n\n<p>\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629<\/p>\n\n<p>\u062f\u0648\u0644\u0629 \u0642\u0637\u0631<\/p>\n\n<p>\u0645\u0635\u0631<\/p>\n\n<p>\u0646\u064a\u062c\u064a\u0631\u064a\u0627<\/p>\n\n<p>\u0641\u0631\u0646\u0633\u0627<\/p>\n\n<h5><span class=\"ez-toc-section\" id=\"%D8%A7%D8%B3%D8%AA%D9%86%D8%AA%D8%A7%D8%AC\"><\/span><strong>\u0627\u0633\u062a\u0646\u062a\u0627\u062c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n<p>\u0644\u0627 \u062a\u0632\u0627\u0644 \u0647\u0646\u0627\u0643 \u0641\u0631\u0635\u0629 \u0643\u0628\u064a\u0631\u0629 \u0644\u0645\u0642\u062f\u0645\u064a BNPL \u0627\u0644\u062d\u0627\u0644\u064a\u064a\u0646 \u0644\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0630\u064a \u0646\u0639\u062a\u0642\u062f \u0623\u0646\u0647 \u0633\u064a\u0646\u062a\u062c \u0645\u0639\u062f\u0644\u0627\u062a \u0646\u0645\u0648 \u0631\u0642\u0645\u064a\u0629 \u0645\u0636\u0627\u0639\u0641\u0629 \u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0627\u0644\u062d\u0627\u0644\u064a\u064a\u0646. <\/p>\n\n<p><\/p>\n<div class=\"rns\" data-title=\"\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 (BNPL): \u0645\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0634\u0631\u064a\u0639\u0629\u061f\" data-tags=\"\" data-categories=\"\u0645\u062c\u0644\u0629 \u0627\u0644\u062d\u0644\u0627\u0644\" data-comments=\"0\" data-date=\"1642048539000\" data-author=\"Anis Shakirah\" data-single=\"\" data-url=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/\"><\/div> <!-- Check out https:\/\/reactandshare.com -->","protected":false},"excerpt":{"rendered":"<p>\u0628\u0642\u0644\u0645 \u0627\u0644\u0645\u0641\u062a\u064a \u0625\u0633\u0645\u0627\u0639\u064a\u0644 \u062f\u064a\u0633\u0627\u064a \u060c \u0627\u0644\u0631\u0626\u064a\u0633 \u0627\u0644\u062a\u0646\u0641\u064a\u0630\u064a \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0634\u0647\u062f\u062a \u0645\u062e\u0637\u0637\u0627\u062a \u0627\u0644\u0634\u0631\u0627\u0621 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 (BNPL) \u0646\u0645\u0648\u064b\u0627 \u0647\u0627\u0626\u0644\u0627\u064b \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0639\u0627\u0644\u0645 \u0628\u0645\u0627 &hellip; <span class=\"read-more-link\"><a class=\"read-more\" href=\"https:\/\/ethis.co\/blog\/%d8%a7%d8%b4%d8%aa%d8%b1%d9%90-%d8%a7%d9%84%d8%a2%d9%86-%d9%88%d8%a7%d8%af%d9%81%d8%b9-%d9%84%d8%a7%d8%ad%d9%82%d9%8b%d8%a7-bnpl-%d9%85%d8%aa%d9%88%d8%a7%d9%81%d9%82-%d9%85%d8%b9-%d8%a3%d8%ad%d9%83\/\">Read More &rsaquo;<\/a><\/span><\/p>\n","protected":false},"author":58,"featured_media":4567,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":""},"categories":[2072],"tags":[],"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/ethis.co\/blog\/wp-content\/uploads\/2021\/06\/81.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pbDwgm-1h6","_links":{"self":[{"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/posts\/4904"}],"collection":[{"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/comments?post=4904"}],"version-history":[{"count":3,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/posts\/4904\/revisions"}],"predecessor-version":[{"id":4907,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/posts\/4904\/revisions\/4907"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/media\/4567"}],"wp:attachment":[{"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/media?parent=4904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/categories?post=4904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ethis.co\/blog\/wp-json\/wp\/v2\/tags?post=4904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}