{"id":3944,"date":"2025-06-12T04:38:55","date_gmt":"2025-06-12T04:38:55","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=3944"},"modified":"2025-06-12T04:38:55","modified_gmt":"2025-06-12T04:38:55","slug":"bnpl-global-payments-cover-8","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/ar\/bnpl-global-payments-cover-8\/","title":{"rendered":"BNPL: \u0643\u064a\u0641 \u064a\u063a\u064a\u0651\u0631 \"\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627\" \u0645\u0634\u0647\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0627\u0644\u0645\u064a\u064b\u0627"},"content":{"rendered":"

\u064a\u063a\u064a\u0651\u0631 \u0646\u0645\u0648\u0630\u062c BNPL \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0648\u0627\u0644\u062f\u0641\u0639\u060c \u062e\u0627\u0635\u0629 \u0628\u064a\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0648Z. \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0635\u0644 \u062d\u062c\u0645 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0639\u0627\u0644\u0645\u064a \u0625\u0644\u0649 560.1 \u0645\u0644\u064a\u0627\u0631 \u062f\u0648\u0644\u0627\u0631 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2025 \u0628\u0645\u0639\u062f\u0644 \u0646\u0645\u0648 \u0633\u0646\u0648\u064a \u0645\u0631\u0643\u0628 \u064a\u0628\u0644\u063a 13.7% (Fintech Futures\u060c 2025<\/a>).<\/p>\n

\"\"<\/p>\n

\u0645\u0627 \u0647\u0648 BNPL\u061f<\/strong><\/p>\n

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\u064a\u062e\u062a\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 BNPL \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 (Klarna\u060c Afterpay\u060c Affirm\u060c Apple Pay Later)\u061b
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\u064a\u0639\u0632\u0632 \u0647\u0630\u0627 \u0627\u0644\u0646\u0638\u0627\u0645 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0627\u0621\u060c \u0648\u064a\u0632\u064a\u062f \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0648\u0645\u062a\u0648\u0633\u0637 \u0642\u064a\u0645\u0629 \u0627\u0644\u0637\u0644\u0628 \u0644\u062f\u0649 \u0627\u0644\u062a\u062c\u0627\u0631.<\/p>\n

\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0648\u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629<\/strong><\/p>\n

\u064a\u0639\u0632\u0632 \u0646\u0645\u0648 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u0631\u0642\u0645\u064a\u064a\u0646 \u0627\u0632\u062f\u0647\u0627\u0631 BNPL \u0639\u0627\u0644\u0645\u064a\u064b\u0627. \u0633\u062c\u0644\u062a Apple Pay Later \u062f\u062e\u0648\u0644\u064b\u0627 \u0642\u0648\u064a\u064b\u0627 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644.<\/p>\n

\u0644\u0643\u0646 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u062a\u062a\u062f\u062e\u0644:<\/p>\n

\u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0648\u0623\u0633\u062a\u0631\u0627\u0644\u064a\u0627 \u0633\u062a\u0634\u062f\u062f\u0627\u0646 \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u062c\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 (2024\u20132026)\u061b
\u062a\u062e\u0637\u0637 CFPB \u0627\u0644\u0623\u0645\u0631\u064a\u0643\u064a\u0629 \u0644\u0625\u062e\u0636\u0627\u0639 BNPL \u0644\u0642\u0648\u0627\u0639\u062f \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u061b
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\u0627\u0644\u0631\u0633\u0627\u0644\u0629 \u0648\u0627\u0636\u062d\u0629: \u0627\u0644\u0646\u0645\u0648 \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u062a\u0648\u0627\u0632\u0646 \u0645\u0639 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n

\"\"<\/p>\n

\u0645\u062e\u0627\u0637\u0631 BNPL \u0627\u0644\u062e\u0641\u064a\u0629<\/strong><\/p>\n

\u0631\u063a\u0645 \u0633\u0647\u0648\u0644\u062a\u0647\u060c BNPL \u0644\u0627 \u064a\u062e\u0644\u0648 \u0645\u0646 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a:<\/p>\n

\u0627\u0644\u062f\u064a\u0648\u0646: 34% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u062a\u0623\u062e\u0631\u0648\u0627 \u0641\u064a \u0627\u0644\u0633\u062f\u0627\u062f \u0645\u0645\u0627 \u064a\u0636\u0631 \u0628\u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u061b
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\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u062c\u0627\u0647\u0632\u064a\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0623\u0635\u0628\u062d\u062a \u0636\u0631\u0648\u0631\u0629 \u0625\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u0645\u0632\u0648\u062f\u064a BNPL.<\/p>\n

\u0643\u064a\u0641 \u062a\u0639\u0632\u0632 Buvei \u0627\u0644\u062c\u064a\u0644 \u0627\u0644\u062a\u0627\u0644\u064a \u0645\u0646 BNPL<\/strong><\/p>\n

\u062a\u0648\u0641\u0631 Buvei\u060c<\/a> \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u0636\u0645\u0646\u0629\u060c \u062d\u0644\u0648\u0644\u064b\u0627 \u0634\u0627\u0645\u0644\u0629 \u0644\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n

\ud83d\udd10 \u0630\u0643\u0627\u0621 \u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0644\u0645\u0643\u0627\u0641\u062d\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/strong>
\u0646\u0638\u0627\u0645 Buvei \u064a\u062d\u0644\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0648\u0627\u0644\u0633\u0644\u0648\u0643 \u0639\u0644\u0649 \u0627\u0644\u0633\u0644\u0633\u0644\u0629 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 40%.<\/p>\n

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\u062f\u0641\u0639 \u0641\u064a T+1 \u0648\u062f\u0639\u0645 \u0623\u0643\u062b\u0631 \u0645\u0646 30 \u0639\u0645\u0644\u0629 \u064a\u0639\u0632\u0632 \u062a\u0648\u0633\u0639 \u0645\u0642\u062f\u0645\u064a BNPL \u0639\u0627\u0644\u0645\u064a\u064b\u0627.<\/p>\n

\u2696\ufe0f \u0628\u0646\u064a\u0629 \u0645\u0631\u0646\u0629 \u0648\u0645\u062a\u0648\u0627\u0641\u0642\u0629<\/strong>
\u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u0646 Buvei \u062a\u062a\u0643\u064a\u0641 \u0645\u0639 \u0642\u0648\u0627\u0646\u064a\u0646 KYC\/AML \u0648\u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0645\u062b\u0644 PSD3.<\/p>\n

\u0645\u0627 \u0627\u0644\u062a\u0627\u0644\u064a: BNPL \u064a\u0644\u062a\u0642\u064a \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648Web3<\/strong><\/p>\n

\u064a\u062a\u062d\u0648\u0644 BNPL \u0625\u0644\u0649 \u0646\u0645\u0648\u0630\u062c \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0630\u0643\u064a \u0648\u0644\u0627 \u0645\u0631\u0643\u0632\u064a:<\/p>\n

\u062a\u0642\u064a\u064a\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a \u0639\u0628\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u061b
\u0633\u062c\u0644 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0639\u0644\u0649 \u0627\u0644\u0633\u0644\u0633\u0644\u0629 \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0627\u0631\u064a\u062e \u0625\u0642\u0631\u0627\u0636 DeFi \u0648\u0633\u062f\u0627\u062f \u0639\u0628\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0642\u0631\u0629.<\/p>\n

Buvei \u062a\u0645\u0647\u062f \u0627\u0644\u0637\u0631\u064a\u0642 \u0646\u062d\u0648 \u062f\u0645\u062c \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0645\u0641\u062a\u0648\u062d\u0629 \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u0628\u0644\u0648\u0643\u0634\u064a\u0646 \u0645\u062a\u0642\u062f\u0645\u0629.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"\u064a\u063a\u064a\u0651\u0631 \u0646\u0645\u0648\u0630\u062c BNPL \u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u0634\u0631\u0627\u0621 \u0648\u0627\u0644\u062f\u0641\u0639\u060c \u062e\u0627\u0635\u0629 \u0628\u064a\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0648Z. \u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0635\u0644 \u062d\u062c\u0645 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0639\u0627\u0644\u0645\u064a…","protected":false},"author":2,"featured_media":3911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":""},"categories":[47],"tags":[764,146,1607],"class_list":{"0":"post-3944","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-payment-basics-ar","8":"tag-bnpl-en-ar","9":"tag-buvei-ar","10":"tag-web3-payments-ar","11":"cs-entry"},"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/3944","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/comments?post=3944"}],"version-history":[{"count":0,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/posts\/3944\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media\/3911"}],"wp:attachment":[{"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/media?parent=3944"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/categories?post=3944"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buvei.com\/blog\/wp-json\/wp\/v2\/tags?post=3944"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}