{"id":1706,"date":"2025-08-09T13:45:57","date_gmt":"2025-08-09T10:45:57","guid":{"rendered":"https:\/\/doinasia.com\/?p=1706"},"modified":"2025-08-09T13:45:58","modified_gmt":"2025-08-09T10:45:58","slug":"%d8%a7%d9%84%d9%85%d8%ad%d8%a7%d9%81%d8%b8-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%8a%d8%a9-%d9%84%d9%84%d9%85%d8%af%d9%81%d9%88%d8%b9%d8%a7%d8%aa-%d9%81%d9%8a-%d8%b3%d9%86%d8%ba%d8%a7%d9%81%d9%88%d8%b1","status":"publish","type":"post","link":"https:\/\/doinasia.com\/ar\/%d8%a7%d9%84%d9%85%d8%ad%d8%a7%d9%81%d8%b8-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%8a%d8%a9-%d9%84%d9%84%d9%85%d8%af%d9%81%d9%88%d8%b9%d8%a7%d8%aa-%d9%81%d9%8a-%d8%b3%d9%86%d8%ba%d8%a7%d9%81%d9%88%d8%b1\/","title":{"rendered":"\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0622\u0645\u0646\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a: \u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a 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\u0627\u0644\u0625\u0639\u062f\u0627\u062f\u0627\u062a - \u062a\u0641\u0639\u064a\u0644 Face ID \u0623\u0648 \u0625\u064a\u0642\u0627\u0641\u0647\u060c \u0648\u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u062b\u0646\u0627\u0626\u064a\u0629\u060c \u0648\u062a\u0641\u0639\u064a\u0644 \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a. \u0627\u0644\u063a\u0631\u064a\u0628 \u0641\u064a \u0627\u0644\u0623\u0645\u0631 \u0623\u0646\u0646\u064a \u0643\u0646\u062a\u064f \u0623\u062a\u062c\u0627\u0647\u0644 \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629\u060c \u0648\u0644\u0643\u0646 \u0628\u0639\u062f \u0623\u0646 \u0631\u0623\u064a\u062a\u064f \u0635\u062f\u064a\u0642\u064b\u0627 \u064a\u064f\u0644\u0627\u062d\u0638 \u0631\u0633\u0648\u0645\u064b\u0627 \u0645\u064f\u0631\u064a\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0631\u060c \u0623\u0635\u0628\u062d\u062a\u064f \u0623\u0639\u062a\u0628\u0631\u0647\u0627 \u0636\u0631\u0648\u0631\u064a\u0629.\n<\/p>\n\n<table class=\"data-table-professional-667\">\n  <tr class=\"table-row-alternating-556\">\n    <th class=\"table-header-cell-223\">\u0646\u0648\u0639 \u0627\u0644\u0645\u062d\u0641\u0638\u0629<\/th>\n    <th class=\"table-header-cell-223\">\u0623\u0645\u062b\u0644\u0629<\/th>\n    <th class=\"table-header-cell-223\">\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0623\u0645\u0627\u0646<\/th>\n    <th class=\"table-header-cell-223\">\u0623\u0641\u0636\u0644 \u062d\u0627\u0644\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/th>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0628\u0646\u0643<\/td>\n    <td class=\"table-data-cell-224\">DBS PayLah!\u060c OCBC Pay Everyone<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0645\u0642\u0627\u064a\u064a\u0633 \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629 (MAS)<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u062a\u0633\u0648\u0642 \u0627\u0644\u0639\u0627\u0645\u060c \u0648\u0627\u0644\u0645\u0631\u0627\u0641\u0642\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0639\u0627\u0644\u0645\u064a<\/td>\n    <td class=\"table-data-cell-224\">\u0623\u0628\u0644 \u0628\u0627\u064a\u060c \u062c\u0648\u062c\u0644 \u0628\u0627\u064a<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0631\u0645\u0632 \u0627\u0644\u0645\u0645\u064a\u0632\u060c \u0642\u0641\u0644 \u0627\u0644\u062c\u0647\u0627\u0632\u060c \u0627\u0644\u0642\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062d\u064a\u0648\u064a\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0633\u0641\u0631 \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u062a\u062c\u0627\u0631 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u0643\u0628\u0627\u0631<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u062a\u0627\u062c\u0631<\/td>\n    <td class=\"table-data-cell-224\">\u0641\u064a\u0641 \u0628\u0627\u064a\u060c \u0634\u0648\u0628\u064a \u0628\u0627\u064a<\/td>\n    <td class=\"table-data-cell-224\">\u062d\u0645\u0627\u064a\u0629 \u0631\u0642\u0645 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0634\u062e\u0635\u064a (PIN)\u060c \u0648\u0627\u0644\u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0639\u0631\u0648\u0636\u060c \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f\u060c \u0645\u0643\u0627\u0641\u0622\u062a \u0627\u0644\u0648\u0644\u0627\u0621<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u062a\u0637\u0628\u064a\u0642 \u0633\u0648\u0628\u0631<\/td>\n    <td class=\"table-data-cell-224\">\u062c\u0631\u0627\u0628 \u0628\u0627\u064a\u060c \u0648\u0627\u064a\u0632<\/td>\n    <td class=\"table-data-cell-224\">\u062a\u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u062d\u062f\u0648\u062f\u060c \u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629<\/td>\n  <\/tr>\n<\/table>\n\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629:<\/h3>\n<p>\u0644\u064a\u0633\u062a \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0622\u0645\u0646\u0629 \u0628\u0646\u0641\u0633 \u0627\u0644\u0642\u062f\u0631. \u0628\u0631\u0623\u064a\u064a\u060c \u062a\u0633\u062a\u0641\u064a\u062f \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0628\u0646\u0643 \u0645\u0646 \u0627\u0644\u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u0631\u0645\u0629 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629\u060c \u0644\u0643\u0646 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u062a\u0636\u0645\u0646 \u0639\u0631\u0648\u0636\u064b\u0627 \u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u062d\u0635\u0631\u064a\u0629 \u062a\u064f\u0636\u064a\u0641 \u0642\u064a\u0645\u0629\u064b \u0625\u0636\u0627\u0641\u064a\u0629\u064b \u0644\u0644\u0645\u062a\u0633\u0648\u0642\u064a\u0646 \u0630\u0648\u064a \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u062d\u062f\u0648\u062f\u0629. \u0645\u0639 \u0630\u0644\u0643\u060c \u062a\u062a\u0641\u0627\u0648\u062a \u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0623\u0645\u0627\u0646 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631.<\/p>\n<\/div>\n\n<h2 class=\"subheader-tier2-designation-924\" id=\"section-4\">\u0627\u0644\u0623\u0645\u0646: \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062d\u0645\u0627\u064a\u0629<\/h2>\n<p>\n\u062f\u0639\u0648\u0646\u0627 \u0646\u062a\u0648\u0642\u0641 \u0647\u0646\u0627 \u0648\u0646\u062a\u0639\u0645\u0642 \u0641\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629\u060c \u0644\u0623\u0646 \u0647\u0630\u0627 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\u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644: \u0643\u0634\u0641 \u062a\u0642\u0631\u064a\u0631 \u0635\u0627\u062f\u0631 \u0639\u0646 \u0634\u0631\u0637\u0629 \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u0623\u0646 \u0647\u062c\u0645\u0627\u062a \u0627\u0644\u062a\u0635\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a \u0627\u0644\u062a\u064a \u062a\u0633\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0631\u062a\u0641\u0639\u062a \u0628\u0634\u0643\u0644 \u062d\u0627\u062f \u0641\u064a \u0639\u0627\u0645 \u0662\u0660\u0662\u0662\u060c \u0648\u0627\u0631\u062a\u0628\u0637\u062a \u0641\u064a \u0627\u0644\u063a\u0627\u0644\u0628 \u0628\u0627\u0644\u0646\u0642\u0631 \u063a\u064a\u0631 \u0627\u0644\u062f\u0642\u064a\u0642 \u0639\u0644\u0649 \u0631\u0648\u0627\u0628\u0637 \u0631\u0633\u0627\u0626\u0644 \u0646\u0635\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u0644\u064a\u0629.<a href=\"#ref-6\" class=\"reference-marker-inline-951\">6<\/a>.\n<\/p>\n<p>\n\u0628\u0639\u0636 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0645\u0631\u0627\u0642\u0628\u062a\u0647\u0627:<\/p>\n<ul class=\"list-unordered-custom-890\">\n  <li class=\"list-item-spaced-112\">\u0647\u062c\u0645\u0627\u062a \u0627\u0644\u062a\u0635\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a: \u0631\u0633\u0627\u0626\u0644 \u0645\u0632\u064a\u0641\u0629 \u062a\u062e\u062f\u0639\u0643 \u0644\u062a\u0643\u0634\u0641 \u0639\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643.<\/li>\n  <li class=\"list-item-spaced-112\">\u0627\u0644\u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0636\u0627\u0631\u0629: \u064a\u062a\u0645 \u062a\u062b\u0628\u064a\u062a\u0647\u0627 \u0639\u0628\u0631 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u0646\u0632\u064a\u0644 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\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644 (MAS) \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0645\u0631\u062e\u0635\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0634\u0641\u064a\u0631 \u0642\u0648\u064a \u0648\u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062f\u0642\u064a\u0642 \u0623\u0645\u0646\u064a\u0629 \u0645\u062a\u0643\u0631\u0631\u0629\u061b \u0628\u064a\u0646\u0645\u0627 \u064a\u0642\u062f\u0645 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0632\u0648\u062f\u064a\u0646 \u0630\u0648\u064a \u0627\u0644\u0633\u0645\u0639\u0629 \u0627\u0644\u0637\u064a\u0628\u0629 \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0628\u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u062e\u064a\u0627\u0631\u0627\u062a \u062a\u062c\u0645\u064a\u062f \u0641\u0648\u0631\u064a \u0644\u0644\u062d\u0633\u0627\u0628\u0627\u062a.<a href=\"#ref-7\" class=\"reference-marker-inline-951\">7<\/a>\u062a\u0631\u0627\u0642\u0628 \u0628\u0639\u0636 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0623\u0646\u0634\u0637\u0629 \u0627\u0644\u0645\u0634\u0628\u0648\u0647\u0629 \u0648\u062a\u062d\u0638\u0631 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0628\u0634\u0643\u0644 \u0627\u0633\u062a\u0628\u0627\u0642\u064a - \u0648\u0647\u0648 \u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0630\u064a \u0623\u0646\u0642\u0630\u0646\u064a \u0645\u0646 \u0631\u0633\u0648\u0645 \u0627\u062d\u062a\u064a\u0627\u0644\u064a\u0629 \u0641\u064a \u062d\u0627\u062f\u062b\u0629 \u0639\u0627\u0645 2023 (\u0648\u0645\u0646 \u0627\u0644\u0645\u0641\u0627\u0631\u0642\u0627\u062a\u060c \u0628\u0639\u062f \u0623\u0646 \u062a\u062c\u0627\u0647\u0644\u062a \u062a\u0646\u0628\u064a\u0647 &quot;\u0646\u0634\u0627\u0637 \u0645\u0634\u0628\u0648\u0647&quot;).\n<\/p>\n\n<div class=\"quote-block-premium-445\">\n\u0627\u0644\u0623\u0645\u0646 \u0644\u0627 \u064a\u0639\u0646\u064a \u0627\u0644\u0642\u0636\u0627\u0621 \u0639\u0644\u0649 \u062c\u0645\u064a\u0639 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0628\u0644 \u064a\u062a\u0639\u0644\u0642 \u0628\u062a\u0639\u0632\u064a\u0632 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0648\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629 \u0639\u0646\u062f \u0627\u0643\u062a\u0634\u0627\u0641 \u0627\u0644\u062a\u0647\u062f\u064a\u062f\u0627\u062a. \u0646\u0645\u0648\u0630\u062c \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u0639\u0627\u0644\u0645\u064a \u0627\u0644\u0645\u0633\u062a\u0648\u0649\u060c \u0644\u064a\u0633 \u0644\u0623\u0646\u0647 \u064a\u0645\u0646\u0639 \u062c\u0645\u064a\u0639 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u060c \u0628\u0644 \u0644\u0623\u0646\u0647 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class=\"list-item-spaced-112\">\u0623\u0636\u0641 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0623\u0648 \u0627\u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0645\u0635\u0631\u0641\u064a \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0634\u0643\u0644 \u0622\u0645\u0646 (\u0627\u0633\u062a\u062e\u062f\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062c\u0647\u0627\u0632 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0645\u0645\u0643\u0646\u064b\u0627).<\/li>\n  <li class=\"list-item-spaced-112\">\u0642\u0645 \u0628\u062a\u0646\u0634\u064a\u0637 \u0625\u0634\u0639\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0648\u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u062b\u0646\u0627\u0626\u064a\u0629 (2FA) - \u0644\u0627 \u062a\u062a\u062e\u0637\u0627\u0647\u0627 \u0623\u0628\u062f\u064b\u0627.<\/li>\n  <li class=\"list-item-spaced-112\">\u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0629 \u0627\u062e\u062a\u0628\u0627\u0631\u064a\u0629 \u0635\u063a\u064a\u0631\u0629 - \u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0645\u0639 \u0628\u0627\u0626\u0639 \u062a\u062c\u0632\u0626\u0629 \u0645\u0648\u062b\u0648\u0642 \u0628\u0647.<\/li>\n  <li class=\"list-item-spaced-112\">\u0642\u0645 \u0628\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u062a\u0637\u0628\u064a\u0642 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0644\u062a\u0635\u062d\u064a\u062d \u0627\u0644\u062b\u063a\u0631\u0627\u062a \u0627\u0644\u0623\u0645\u0646\u064a\u0629.<\/li>\n<\/ol>\n\n<div class=\"country-fact-box-855\">\n<p><strong>\u062d\u0642\u064a\u0642\u0629 \u0627\u0644\u0628\u0644\u062f:<\/strong> \u062a\u062f\u0639\u0645 \u062d\u0643\u0648\u0645\u0629 \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u062a\u062f\u0631\u064a\u0628 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src=\"https:\/\/doinasia.com\/wp-content\/uploads\/2025\/08\/retail-counter-contactless-payment-smartphone-1.jpeg\" alt=\"\" class=\"wp-image-1249\"\/><figcaption class=\"wp-element-caption\">\u0635\u0648\u0631\u0629 \u0628\u0633\u064a\u0637\u0629 \u0645\u0639 \u062a\u0639\u0644\u064a\u0642<\/figcaption><\/figure>\n\n\n\n<div class=\"content-block-3\">\n<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\" id=\"unique-article-container-id-2847\">\n\n<h2 class=\"subheader-tier2-designation-924\" id=\"section-6\">\u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/h2>\n<p>\n\u0644\u0646\u0643\u0646 \u0648\u0627\u0642\u0639\u064a\u064a\u0646: \u0645\u0639\u0638\u0645 \u0627\u0644\u062a\u0631\u062f\u062f \u0628\u0634\u0623\u0646 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a 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class=\"reference-marker-inline-951\">12<\/a>\u0644\u0645 \u064a\u064f\u062d\u0633\u0645 \u0623\u0645\u0631 \u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0643\u0627\u0645\u0644 \u0628\u0639\u062f\u060c \u0644\u0643\u0646\u0646\u064a \u0645\u062a\u0641\u0627\u0626\u0644. \u062f\u0639\u0648\u0646\u064a \u0623\u0648\u0636\u062d: \u0645\u062d\u0627\u0641\u0638 \u0628\u0644\u0648\u0643\u062a\u0634\u064a\u0646 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629 (CBDCs) \u062a\u0646\u062a\u0634\u0631 \u0628\u0628\u0637\u0621\u060c \u062a\u062d\u062a \u0625\u0634\u0631\u0627\u0641 \u062d\u0643\u0648\u0645\u064a \u062f\u0642\u064a\u0642\u060c \u0644\u0643\u0646 \u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0634\u0631\u0633\u0629 \u0645\u0646 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635.<\/p>\n<p>\n\u0628\u0639\u0636 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href=\"#ref-13\" class=\"reference-marker-inline-951\">13<\/a>).<\/li>\n  <li class=\"list-item-spaced-112\">\u0627\u0644\u0643\u0634\u0641 \u0639\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a: \u062a\u0639\u062a\u0645\u062f \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0639\u0644\u0649 \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0641\u0648\u0631\u064a\u0629 \u0644\u0644\u0627\u062d\u062a\u064a\u0627\u0644.<\/li>\n  <li class=\"list-item-spaced-112\">\u0645\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a: \u0623\u062f\u0648\u0627\u062a \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0625\u0646\u0641\u0627\u0642 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\u0645\u0632\u0648\u062f \u0645\u062d\u0641\u0638\u062a\u0643. \u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062f\u0639\u0645 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629\u060c \u0628\u0635\u0631\u0627\u062d\u0629\u060c \u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0627\u0644\u062a\u064a \u0648\u0627\u062c\u0647\u062a\u0647\u0627 \u0639\u0627\u0644\u0645\u064a\u064b\u0627.<\/p>\n\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u0627\u0644\u0648\u062c\u0628\u0627\u062a \u0627\u0644\u062c\u0627\u0647\u0632\u0629 \u0627\u0644\u0623\u0635\u0644\u064a\u0629:<\/h3>\n<p>\u0647\u0644 \u0627\u0631\u062a\u0643\u0628\u062a \u062e\u0637\u0623\u064b \u0641\u064a \u0627\u0644\u062f\u0641\u0639\u061f \u0644\u0627 \u062a\u0642\u0644\u0642. \u062a\u064f\u062d\u0644 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0634\u0643\u0644\u0627\u062a \u0628\u0633\u0631\u0639\u0629 \u0628\u0627\u062a\u062e\u0627\u0630 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0641\u0648\u0631\u064a\u0629. \u0635\u064f\u0645\u0645\u062a \u0647\u0630\u0647 \u0627\u0644\u0645\u0646\u0638\u0648\u0645\u0629 \u0644\u062a\u0648\u0641\u064a\u0631 \u062f\u0639\u0645 \u0633\u0631\u064a\u0639 \u0648\u062d\u0645\u0627\u064a\u0629 \u0642\u0648\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u060c \u0648\u0647\u0648 \u0623\u0645\u0631\u064c \u064a\u0639\u0648\u062f \u0628\u0627\u0644\u0646\u0641\u0639 \u0627\u0644\u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u062c\u0645\u064a\u0639 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629.<\/p>\n<\/div>\n\n<p>\n\u0625\u0630\u0646\u060c \u0647\u0644 \u062a\u064f\u0645\u062b\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0622\u0645\u0646\u0629\u061f \u0628\u0631\u0623\u064a\u064a\u060c \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f - \u0625\u0630\u0627 \u0643\u0646\u062a\u064e \u0639\u0644\u0649 \u0627\u0637\u0644\u0627\u0639 \u062f\u0627\u0626\u0645\u060c \u0648\u062a\u0643\u064a\u0641\u062a\u064e \u0628\u0633\u0631\u0639\u0629\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0645\u062a\u064e \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643. \u0623\u064f\u0641\u0636\u0651\u0644 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629\u060c \u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u0644\u0644\u0635\u0641\u0642\u0627\u062a\u060c \u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0641\u0627\u0626\u0642\u0629 \u0645\u062b\u0644 GrabPay \u0644\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629. \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629\u060c \u064a\u0623\u062a\u064a \u0623\u0641\u0636\u0644 \u0623\u0645\u0627\u0646 \u0645\u0646 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629 \u0648\u0627\u0644\u062a\u0641\u0648\u0642 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u062a\u0627\u0644\u064a\u0646.\n<\/p>\n<p>\n\u0625\u0630\u0627 \u0643\u0646\u062a\u064e \u0645\u0628\u062a\u062f\u0626\u064b\u0627\u060c \u0641\u0627\u062a\u062e\u0630 \u062e\u0637\u0648\u0627\u062a \u0635\u063a\u064a\u0631\u0629\u060c \u0648\u062d\u062f\u062f \u062d\u062f\u0648\u062f\u064b\u0627 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u060c \u0648\u062a\u0630\u0643\u0631: \u0644\u0627 \u0623\u062d\u062f \u064a\u064f\u0635\u064a\u0628 \u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0631\u0629 \u0627\u0644\u0623\u0648\u0644\u0649. \u0631\u062d\u0644\u0629 \u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0645\u0633\u062a\u0645\u0631\u0629\u060c \u0648\u0623\u0646\u0627 \u0643\u0630\u0644\u0643 \u0628\u0627\u0644\u062a\u0623\u0643\u064a\u062f. \u0627\u0633\u062a\u0645\u0631 \u0641\u064a \u0637\u0631\u062d \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0635\u0639\u0628\u0629\u060c \u0648\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0641\u062a\u0631\u0627\u0636\u0627\u062a\u0643\u060c \u0648\u0644\u0627 \u062a\u062a\u0631\u062f\u062f \u0641\u064a \u0637\u0644\u0628 \u0645\u0634\u0648\u0631\u0629 \u0627\u0644\u062e\u0628\u0631\u0627\u0621. \u0625\u0646\u0647 \u0646\u0638\u0627\u0645 \u0639\u0627\u0644\u0645\u064a \u0627\u0644\u0645\u0633\u062a\u0648\u0649\u060c \u0625\u0646\u0633\u0627\u0646\u064a \u0628\u062d\u062a\u060c \u0645\u0628\u0646\u064a \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0648\u0627\u0644\u062b\u0642\u0629. \u0647\u0630\u0627 \u0645\u0627 \u064a\u064f\u0639\u062c\u0628\u0646\u064a \u0623\u0643\u062b\u0631 \u0641\u064a \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629.\n<\/p>\n\n<div class=\"author-credentials-box-922\">\n<p><strong>\u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u0645\u0624\u0644\u0641:<\/strong> \u0639\u0644\u0649 \u0645\u062f\u0627\u0631 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u0645\u0642\u0627\u0628\u0644\u0627\u062a \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0639\u0645\u0644\u064a\u0629\u060c \u0637\u0648\u0651\u0631\u062a\u064f \u0623\u062f\u0648\u0627\u062a\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0644\u0644\u062f\u0641\u0639 \u0627\u0644\u0622\u0645\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629. \u0646\u0635\u064a\u062d\u062a\u064a \u062a\u062a\u0637\u0648\u0631 \u0628\u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0622\u0631\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0648\u0631\u0624\u0649 \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u060c \u0648\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0642\u0637\u0627\u0639. \u0644\u0627 \u062a\u0648\u062c\u062f \u0637\u0631\u064a\u0642\u0629 &quot;\u0645\u062b\u0627\u0644\u064a\u0629&quot; \u0648\u0627\u062d\u062f\u0629\u060c \u0648\u0644\u0643\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0648\u0627\u062a \u0645\u0648\u062b\u0648\u0642\u0629 \u064a\u0645\u0643\u0646 \u0644\u0623\u064a \u0634\u062e\u0635 \u0627\u062a\u0628\u0627\u0639\u0647\u0627 \u0627\u0644\u064a\u0648\u0645.<\/p>\n<\/div>\n\n<div class=\"references-section-container-952\" id=\"section-refs\">\n<h2 class=\"references-section-header-953\">\u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0648\u0627\u0644\u0642\u0631\u0627\u0621\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629<\/h2>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">1<\/span>\n<a href=\"https:\/\/www.straitstimes.com\/business\/banking\/more-users-in-singapore-tap-e-wallets-for-payments\" class=\"reference-link-styled-956\">\u0633\u062a\u0631\u064a\u062a\u0633 \u062a\u0627\u064a\u0645\u0632: \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u062f\u0641\u0639<\/a>\n<span class=\"reference-source-type-957\">\u0623\u062e\u0628\u0627\u0631<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">2<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/publications\/speeches\/2023\/digital-payments-interoperability-singapore\" class=\"reference-link-styled-956\">\u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629: \u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2023)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">3<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/regulation\/payment-services\" class=\"reference-link-styled-956\">MAS: \u0644\u0627\u0626\u062d\u0629 \u0642\u0627\u0646\u0648\u0646 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2023)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">4<\/span>\n<a href=\"https:\/\/www.channelnewsasia.com\/singapore\/digital-payment-e-wallet-adoption-mas-report-2024-4218916\" class=\"reference-link-styled-956\">CNA: \u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0623\u062e\u0628\u0627\u0631<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">5<\/span>\n<a href=\"https:\/\/www.db.com.sg\/personal\/paylah\/security.html\" class=\"reference-link-styled-956\">DBS: \u0646\u0638\u0631\u0629 \u0639\u0627\u0645\u0629 \u0639\u0644\u0649 \u0623\u0645\u0627\u0646 PayLah<\/a>\n<span class=\"reference-source-type-957\">\u0635\u0646\u0627\u0639\u0629<\/span> (2023)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">6<\/span>\n<a href=\"https:\/\/www.police.gov.sg\/media-room\/news\/2022-0711_police-advisory-on-scams-targeting-digital-wallets\" class=\"reference-link-styled-956\">SPF: \u062a\u062d\u0630\u064a\u0631 \u0645\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0641\u064a \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2022)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">7<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/development\/fintech\/digital-payments\" class=\"reference-link-styled-956\">MAS: \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">8<\/span>\n<a href=\"https:\/\/www.sgsecure.gov.sg\" class=\"reference-link-styled-956\">SGSecure: \u0646\u0635\u0627\u0626\u062d \u0623\u0645\u0627\u0646 \u0627\u0644\u062f\u0641\u0639<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">9<\/span>\n<a href=\"https:\/\/www.imda.gov.sg\/programme-listing\/sg-digital-office\" class=\"reference-link-styled-956\">IMDA: \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u062a\u062f\u0631\u064a\u0628 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0643\u0628\u0627\u0631 \u0627\u0644\u0633\u0646<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2023)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">10<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/consumer\/payment-services\/licensed-payment-services\" class=\"reference-link-styled-956\">MAS: \u0642\u0627\u0626\u0645\u0629 \u0645\u0642\u062f\u0645\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0631\u062e\u0635\u064a\u0646<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">11<\/span>\n<a href=\"https:\/\/www.pdpc.gov.sg\/Overview-of-PDPA\/Data-Provision-Obligations\" class=\"reference-link-styled-956\">\u0642\u0627\u0646\u0648\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2023)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">12<\/span>\n<a href=\"https:\/\/www.channelnewsasia.com\/business\/singpass-digital-id-payment-mas-4102556\" class=\"reference-link-styled-956\">CNA: \u062a\u0643\u0627\u0645\u0644 \u062f\u0641\u0639 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 Singpass<\/a>\n<span class=\"reference-source-type-957\">\u0623\u062e\u0628\u0627\u0631<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">13<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/news\/media-releases\/2024\/sgqr-unified-payment-system\" class=\"reference-link-styled-956\">MAS: \u0646\u0638\u0627\u0645 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0648\u062d\u062f SGQR<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">14<\/span>\n<a href=\"https:\/\/www.mas.gov.sg\/news\/press-releases\/2024\/mas-implements-instant-wallet-freeze\" class=\"reference-link-styled-956\">MAS: \u062a\u0646\u0641\u064a\u0630 \u062a\u062c\u0645\u064a\u062f \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629<\/a>\n<span class=\"reference-source-type-957\">\u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (2024)\n<\/div>\n\n<div class=\"reference-item-container-954\">\n<span class=\"reference-number-badge-955\">15<\/span>\n<a href=\"https:\/\/www.euromoney.com\/article\/2a10zgiw6otabgg2irsss\/payments-in-southeast-asia-driven-by-consumer-vigilance\" class=\"reference-link-styled-956\">\u064a\u0648\u0631\u0648\u0645\u0648\u0646\u064a: \u064a\u0642\u0638\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0641\u064a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a<\/a>\n<span class=\"reference-source-type-957\">\u0635\u0646\u0627\u0639\u0629<\/span> (2025)\n<\/div>\n\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n<figure class=\"wp-block-image alignfull size-full\"><img decoding=\"async\" src=\"https:\/\/doinasia.com\/wp-content\/uploads\/2025\/08\/retail-counter-contactless-payment-smartphone-3.jpeg\" alt=\"\" class=\"wp-image-1251\"\/><\/figure>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0622\u0645\u0646\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a: \u0643\u064a\u0641 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629\u061f \u0647\u0644 \u0633\u0628\u0642 \u0644\u0643 \u0623\u0646 \u062d\u062f\u0642\u062a \u0628\u062d\u0630\u0631 \u0641\u064a \u0632\u0631 &quot;\u0627\u062f\u0641\u0639 \u0627\u0644\u0622\u0646&quot;\u060c \u0645\u062a\u0633\u0627\u0626\u0644\u0627\u064b \u0639\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0628\u0637\u0627\u0642\u062a\u0643 \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 \u0645\u0643\u0627\u0646 \u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u0644\u0647\u0627\u061f \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0623\u064a\u0627\u0645 - \u0648\u062e\u0627\u0635\u0629 \u0641\u064a \u0633\u0646\u063a\u0627\u0641\u0648\u0631\u0629 - \u064a\u0628\u062f\u0648 \u0623\u0646 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u062a\u0639\u062f \u0628\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0622\u0645\u0646\u0629 \u0648\u0633\u0644\u0633\u0629 \u062a\u0642\u0631\u064a\u0628\u064b\u0627\u060c \u0648\u0644\u0643\u0646 \u0647\u0644 \u0647\u064a \u062d\u0642\u064b\u0627 \u0622\u0645\u0646\u0629 \u0643\u0645\u0627 \u064a\u064f\u0639\u0644\u0646 \u0639\u0646\u0647\u0627\u061f [...]<\/p>","protected":false},"author":10,"featured_media":1711,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":4,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[240,281],"tags":[758,842],"class_list":["post-1706","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-economics","category-singapore","tag-singapore","tag-wallet"],"_genesis_description":"Discover how digital wallets revolutionize online payments in Singapore\u2014comprehensive security tips, expert insights, and step&#x2d;by&#x2d;step guidance for safe transactions.","_links":{"self":[{"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/posts\/1706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/comments?post=1706"}],"version-history":[{"count":1,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/posts\/1706\/revisions"}],"predecessor-version":[{"id":1712,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/posts\/1706\/revisions\/1712"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/media\/1711"}],"wp:attachment":[{"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/media?parent=1706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/categories?post=1706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/doinasia.com\/ar\/wp-json\/wp\/v2\/tags?post=1706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}