{"id":9769,"date":"2025-08-21T13:37:48","date_gmt":"2025-08-21T13:37:48","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=9769"},"modified":"2025-08-21T13:37:48","modified_gmt":"2025-08-21T13:37:48","slug":"gen-z-drives-digital-payments-growth-worldwide-8","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/ar\/gen-z-drives-digital-payments-growth-worldwide-8\/","title":{"rendered":"\u0627\u0644\u062c\u064a\u0644 Z \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u0623\u0628\u0631\u0632 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a"},"content":{"rendered":"<h2 data-start=\"286\" data-end=\"294\">\u0645\u0642\u062f\u0645\u0629<\/h2>\n<p data-start=\"296\" data-end=\"700\">\u0623\u0635\u0628\u062d <a href=\"https:\/\/buvei.com\/blog\/3d-secure-authentication\/\"><strong data-start=\"301\" data-end=\"329\">\u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a 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data-end=\"1766\">\u0646\u0642\u0635 \u0627\u0644\u062b\u0642\u0627\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> \u062f\u0648\u0631\u064b\u0627 \u0623\u064a\u0636\u064b\u0627\u061b \u0625\u0630 \u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u0634\u064a\u0631 \u0627\u0644\u062c\u064a\u0644 Z <strong data-start=\"1809\" data-end=\"1833\">\u0628\u0645\u0631\u062a\u064a\u0646 \u0623\u0643\u062b\u0631 \u0645\u0646 \u063a\u064a\u0631\u0647\u0645<\/strong> \u0625\u0644\u0649 \u0636\u0639\u0641 \u0641\u0647\u0645\u0647\u0645 \u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0643\u0639\u0627\u0626\u0642.<br data-start=\"1878\" data-end=\"1881\" \/>\u0642\u062f \u062a\u062d\u062a\u0627\u062c \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u0631\u0628\u0648\u0646 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https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-832x249.png 832w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h2>\n<h2 data-start=\"1982\" data-end=\"2024\">\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0633\u0644\u0633\u0629 \u0623\u0645\u0631 \u0644\u0627 \u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u064a\u0647<\/h2>\n<p data-start=\"2026\" data-end=\"2215\">\u064a\u0642\u062f\u0651\u0631 \u0627\u0644\u062c\u064a\u0644 Z <strong data-start=\"2040\" data-end=\"2059\">\u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0627\u0644\u0628\u0633\u0627\u0637\u0629<\/strong> \u0641\u064a \u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u062f\u0641\u0639.<br data-start=\"2075\" data-end=\"2078\" \/>\u0623\u0643\u062b\u0631 \u0645\u0646 \u062b\u0644\u062b \u0627\u0644\u0645\u0633\u062a\u0637\u0644\u0639\u064a\u0646 \u0630\u0643\u0631\u0648\u0627 \u0623\u0646 <strong data-start=\"2110\" data-end=\"2164\">\u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0631\u0642\u0645 \u0627\u0644\u0633\u0631\u064a (PIN) \u064a\u0645\u062b\u0644 \u0646\u0642\u0637\u0629 \u0625\u0632\u0639\u0627\u062c \u063a\u064a\u0631 \u0636\u0631\u0648\u0631\u064a\u0629<\/strong>.<br data-start=\"2165\" data-end=\"2168\" \/>\u064a\u062a\u0648\u0642\u0639\u0648\u0646 <strong data-start=\"2176\" data-end=\"2214\">\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0633\u0644\u0633\u0629 \u0648\u0628\u0633\u064a\u0637\u0629 \u0645\u0639 \u062e\u0637\u0648\u0627\u062a \u0642\u0644\u064a\u0644\u0629<\/strong>.<\/p>\n<p data-start=\"2217\" data-end=\"2469\">\u0644\u0644\u0645\u0628\u062a\u0643\u0631\u064a\u0646\u060c \u064a\u0639\u0646\u064a \u0647\u0630\u0627 \u0636\u0631\u0648\u0631\u0629 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a <strong data-start=\"2256\" data-end=\"2285\">\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 (UX)<\/strong>\u060c \u0627\u0639\u062a\u0645\u0627\u062f <strong data-start=\"2294\" data-end=\"2315\">\u0627\u0644\u062f\u0641\u0639 \u0628\u0646\u0642\u0631\u0629 \u0648\u0627\u062d\u062f\u0629<\/strong>\u060c \u0648\u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0639\u0642\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0639\u064a\u0642 \u0627\u0644\u062a\u062f\u0641\u0642.<br data-start=\"2352\" data-end=\"2355\" \/>\u0645\u0646 \u0645\u0646\u0638\u0648\u0631 \u062a\u0646\u0638\u064a\u0645\u064a\u060c \u0633\u064a\u0643\u0648\u0646 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a <strong data-start=\"2389\" data-end=\"2447\"><a href=\"https:\/\/buvei.com\/blog\/tokenization-in-payments-security-compliance-guide\/\">\u0627\u0644\u0645\u0648\u0627\u0632\u0646\u0629 \u0628\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0645\u0639\u0627\u064a\u064a\u0631<\/a> PCI DSS \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/strong> \u0648\u0628\u064a\u0646 \u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645.<\/p>\n<h2 data-start=\"2476\" data-end=\"2499\">\u0627\u0644\u0642\u064a\u0645 \u0648\u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0648\u0644\u0627\u0621<\/h2>\n<p data-start=\"2501\" data-end=\"2680\">\u064a\u064f\u0639\u062a\u0628\u0631 \u0627\u0644\u062c\u064a\u0644 Z \u062c\u064a\u0644\u064b\u0627 <strong data-start=\"2522\" data-end=\"2571\">\u0645\u062a\u0645\u062d\u0648\u0631\u064b\u0627 \u062d\u0648\u0644 \u0627\u0644\u0642\u064a\u0645 \u0648\u0645\u0648\u0627\u0644\u064a\u064b\u0627 \u0644\u0644\u0639\u0644\u0627\u0645\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/strong>.<br data-start=\"2572\" data-end=\"2575\" \/>\u0623\u0643\u062b\u0631 \u0645\u0646 \u0646\u0635\u0641\u0647\u0645 \u064a\u0642\u0648\u0644\u0648\u0646 \u0625\u0646 <strong data-start=\"2599\" data-end=\"2649\">\u0639\u0648\u0627\u0645\u0644 ESG (\u0627\u0644\u0628\u064a\u0626\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0648\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a)<\/strong> \u062a\u0624\u062b\u0631 \u0639\u0646\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0645\u0632\u0648\u062f \u0627\u0644\u062e\u062f\u0645\u0629.<\/p>\n<p data-start=\"2682\" data-end=\"2986\">\u0625\u0630\u0627 \u0644\u0645 \u064a\u0643\u0646 \u062e\u064a\u0627\u0631 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0641\u0636\u0644 \u0645\u062a\u0627\u062d\u064b\u0627\u060c \u0641\u0625\u0646 \u0627\u0644\u062c\u064a\u0644 Z <strong data-start=\"2731\" data-end=\"2764\">\u0623\u0643\u062b\u0631 \u0639\u0631\u0636\u0629 \u0645\u0631\u062a\u064a\u0646 \u0644\u062a\u0623\u062c\u064a\u0644 \u0627\u0644\u0634\u0631\u0627\u0621<\/strong> \u0628\u062f\u0644 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u062f\u064a\u0644.<br data-start=\"2782\" data-end=\"2785\" \/>\u0647\u0630\u0627 \u064a\u0628\u0631\u0632 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062f\u0645\u062c <strong data-start=\"2809\" data-end=\"2844\">\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0648\u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0634\u0641\u0627\u0641<\/strong> \u0641\u064a \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u0627\u0644\u0644\u063a\u0629 \u0627\u0644\u0648\u0627\u0636\u062d\u0629 \u0627\u0644\u0645\u0628\u0633\u0637\u0629 \u062d\u0648\u0644 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0648\u0627\u0644\u0634\u0631\u0648\u0637 <strong data-start=\"2916\" data-end=\"2930\">\u062a\u0628\u0646\u064a \u0627\u0644\u062b\u0642\u0629<\/strong>\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u064f\u0628\u0639\u062f \u0627\u0644\u0637\u0628\u0627\u0639\u0629 \u0627\u0644\u062f\u0642\u064a\u0642\u0629 \u0627\u0644\u0645\u0639\u0642\u062f\u0629 \u0647\u0630\u0627 \u0627\u0644\u062c\u064a\u0644.<\/p>\n<h2 data-start=\"3112\" data-end=\"3145\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-9665 aligncenter\" style=\"font-size: 16px;\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1.jpg\" alt=\"\" width=\"1472\" height=\"832\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1.jpg 1472w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/How-a-generation-is-driving-digital-payments-uptake-1-1248x705.jpg 1248w\" sizes=\"auto, (max-width: 1472px) 100vw, 1472px\" \/><\/h2>\n<article class=\"text-token-text-primary w-full focus:outline-none scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"7b98e391-db85-4b46-b34e-954adeeabec0\" data-testid=\"conversation-turn-14\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @[37rem]:[--thread-content-margin:--spacing(6)] @[72rem]:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:32rem] @[34rem]:[--thread-content-max-width:40rem] @[64rem]:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"fdeb76d2-96ae-4ff0-96ad-6110b9c9116d\" data-message-model-slug=\"gpt-5-mini\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\">\n<div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\">\n<h2 data-start=\"2993\" data-end=\"3003\">\u0627\u0644\u062e\u0644\u0627\u0635\u0629<\/h2>\n<p data-start=\"3005\" data-end=\"3185\">\u064a\u0642\u0648\u0645 \u0627\u0644\u062c\u064a\u0644 Z <strong data-start=\"3018\" data-end=\"3050\">\u0628\u0625\u0639\u0627\u062f\u0629 \u062a\u0634\u0643\u064a\u0644 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a<\/strong> \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0641\u0636\u064a\u0644\u0627\u062a\u0647 \u0644\u062a\u062c\u0627\u0631\u0628 <strong data-start=\"3075\" data-end=\"3107\">\u0631\u0642\u0645\u064a\u0629 \u0623\u0648\u0644\u064b\u0627\u060c \u0630\u0627\u062a \u0642\u064a\u0645\u0629\u060c \u0648\u0633\u0644\u0633\u0629<\/strong>.<br data-start=\"3108\" data-end=\"3111\" \/>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0627\u0644\u062f\u0631\u0648\u0633 \u0648\u0627\u0636\u062d\u0629:<\/p>\n<ul data-start=\"3187\" data-end=\"3437\">\n<li data-start=\"3187\" data-end=\"3275\">\n<p data-start=\"3189\" data-end=\"3275\">\u062a\u0639\u0632\u064a\u0632 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 <strong data-start=\"3203\" data-end=\"3224\">\u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0628\u062f\u064a\u0644\u0629<\/strong> \u0645\u062b\u0644 \u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c BNPL\u060c \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u062f\u0627\u062e\u0644 \u0627\u0644\u0623\u0644\u0639\u0627\u0628<\/p>\n<\/li>\n<li data-start=\"3276\" data-end=\"3341\">\n<p data-start=\"3278\" data-end=\"3341\">\u0627\u0644\u062a\u062b\u0642\u064a\u0641 \u062d\u0648\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0639 \u0627\u062d\u062a\u0631\u0627\u0645 \u062a\u0641\u0636\u064a\u0644 \u0627\u0644\u062c\u064a\u0644 Z \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u062f\u064a\u0646\u0629<\/p>\n<\/li>\n<li data-start=\"3342\" data-end=\"3395\">\n<p data-start=\"3344\" data-end=\"3395\">\u062a\u0628\u0633\u064a\u0637 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0644\u0625\u0632\u0627\u0644\u0629 \u0623\u064a \u0627\u062d\u062a\u0643\u0627\u0643 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062f\u0641\u0639<\/p>\n<\/li>\n<li data-start=\"3396\" data-end=\"3437\">\n<p data-start=\"3398\" data-end=\"3437\">\u0627\u0644\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 <strong data-start=\"3409\" data-end=\"3420\">\u0642\u064a\u0645 ESG<\/strong> \u0648\u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0628\u0648\u0636\u0648\u062d<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3439\" data-end=\"3579\" data-is-last-node=\"\" data-is-only-node=\"\">\u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a\u060c \u064a\u0645\u0643\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a <strong data-start=\"3486\" data-end=\"3530\">\u0627\u0633\u062a\u0642\u0637\u0627\u0628 \u0627\u0644\u0642\u0648\u0629 \u0627\u0644\u0634\u0631\u0627\u0626\u064a\u0629 \u0627\u0644\u0645\u062a\u0646\u0627\u0645\u064a\u0629 \u0644\u0644\u062c\u064a\u0644 Z<\/strong> \u0648\u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a <strong data-start=\"3544\" data-end=\"3578\">\u062a\u0634\u0643\u064a\u0644 \u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/strong>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<h2 data-start=\"3947\" data-end=\"3958\"><a style=\"font-size: 16px;\" href=\"https:\/\/app.buvei.com?s=blog\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8988 aligncenter\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-832x249.png 832w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/h2>\n","protected":false},"excerpt":{"rendered":"\u0645\u0642\u062f\u0645\u0629 \u0623\u0635\u0628\u062d \u0627\u0631\u062a\u0641\u0627\u0639 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 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