\u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646\u060c \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a<\/title><br \/>\n<meta name=\"description\" content=\"\u062f\u0644\u064a\u0644 \u0645\u0648\u0633\u0651\u0639 \u062d\u0648\u0644 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0645\u0627 \u0647\u064a \u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u061f \u0643\u064a\u0641 \u064a\u0646\u0638\u0645\u0647\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u061f \u0645\u0646 \u0647\u0645 \u0623\u0628\u0631\u0632 \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646 \u0645\u062b\u0644 Flouci \u0648D17 \u0648Konnect \u0648SMT\u061f \u0648\u0645\u0627 \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0623\u0645\u0627\u0645 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u061f\" \/><br \/>\n<meta name=\"keywords\" content=\"\u0646\u0628\u0648\u0643 \u0631\u0642\u0645\u064a\u0629, \u0646\u064a\u0648\u0628\u0646\u0643, \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a, \u062a\u0648\u0646\u0633, BCT, Sandbox, SMT, Flouci, D17, Konnect, \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\" \/><\/p>\n<style>\n body{font-family: \"Cairo\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; line-height: 1.9; color:#111; background:#fff; margin:0; padding:0;}<br \/>\n .container{max-width:980px; margin:0 auto; padding:18px;}<br \/>\n header h2{font-size:1.4em; margin:0.2em 0 0.6em;}<br \/>\n h3{font-size:1.25em; margin-top:1.2em;}<br \/>\n p{margin:0.8em 0;}<br \/>\n ul,ol{padding-inline-start:1.2em;}<br \/>\n .note{background:#f6f7f9; border:1px solid #e8eaee; padding:12px 14px; border-radius:10px; margin:1em 0;}<br \/>\n .table-wrap{overflow-x:auto; border:1px solid #eee; border-radius:10px; margin:1em 0;}<br \/>\n table{width:100%; border-collapse:collapse; min-width:640px;}<br \/>\n th,td{border-bottom:1px solid #eee; padding:10px; text-align:right; vertical-align:top;}<br \/>\n th{background:#fafbfc; font-weight:700;}<br \/>\n a{color:#0a58ca; text-decoration:none;}<br \/>\n a:hover{text-decoration:underline;}<br \/>\n .ads{margin:18px auto; display:block; text-align:center;}<br \/>\n footer{margin-top:28px; font-size:0.95em; color:#333;}<br \/>\n .sources a{word-break:break-word;}<br \/>\n <\/style>\n<p><\/head><br \/>\n<body><\/p>\n<article class=\"container\">\n<header>\n<h2>\u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646\u060c \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a<\/h2>\n<p class=\"note\">\u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u064a\u0634\u0631\u062d \u0628\u0648\u0636\u0648\u062d \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u201c\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0648\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639\u060c \u064a\u0633\u062a\u0639\u0631\u0636 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u060c \u0648\u064a\u0642\u062f\u0651\u0645 \u062e\u0631\u064a\u0637\u0629 \u0644\u0623\u0628\u0631\u0632 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u062d\u0627\u0644\u064a\u064b\u0627\u060c \u0645\u0639 \u0641\u0631\u0635 \u0648\u062a\u0648\u0635\u064a\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0631\u0648\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a.<\/p>\n<\/header>\n<p> <\/p>\n<div class=\"ads\">\n <ins class=\"adsbygoogle\"\n style=\"display:inline-block;width:336px;height:280px\"\n data-ad-client=\"ca-pub-8850810724347453\"\n data-ad-slot=\"8645323225\"><\/ins><br \/>\n<script>(adsbygoogle=window.adsbygoogle||[]).push({});<\/script><\/div>\n<section>\n<h3>\u0645\u0627 \u0647\u064a \u201c\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u201d\u061f \u0648\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646\u0647\u0627 \u0648\u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639\u061f<\/h3>\n<p>\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643 (Neobank) \u0647\u064a \u0645\u0624\u0633\u0633\u0627\u062a \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0631\u0642\u0645\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0648\u064a\u0628 \u0648\u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u062f\u0648\u0646 \u0634\u0628\u0643\u0629 \u0641\u0631\u0648\u0639 \u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0628\u0646\u0648\u0643 \u0634\u0631\u064a\u0643\u0629 \u0644\u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0648\u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629\u060c \u0648\u062a\u062a\u0645\u064a\u0651\u0632 \u0628\u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0633\u0631\u0639\u0629 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u062a\u062c\u0631\u0628\u0629 \u0645\u0633\u062a\u062e\u062f\u0645 \u0645\u0631\u0646\u0629. \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c <strong>\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639<\/strong> \u062a\u0642\u062f\u0651\u0645 \u0648\u0638\u0627\u0626\u0641 \u062f\u0641\u0639 \u0648\u062a\u062e\u0632\u064a\u0646 \u0646\u0642\u062f\u064a \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0628\u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u062a\u064a \u064a\u0633\u0645\u062d \u0628\u0647\u0627 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 (\u0645\u062b\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639\/\u0627\u0644\u0633\u062d\u0628\u060c \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631)\u060c \u062f\u0648\u0646 \u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0628\u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0623\u0648 \u0645\u0646\u062d \u0627\u0644\u0642\u0631\u0648\u0636 \u0643\u0627\u0644\u0628\u0646\u0648\u0643. \u0623\u0645\u0627 <strong>\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629<\/strong> \u0641\u062a\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u0643\u0627\u0645\u0644 \u0644\u0644\u0625\u064a\u062f\u0627\u0639\u060c \u0627\u0644\u0625\u0642\u0631\u0627\u0636\u060c \u0648\u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0634\u0628\u0643\u0629 \u0641\u0631\u0648\u0639 \u0648\u0646\u0638\u0645 \u0631\u0642\u0627\u0628\u064a\u0629 \u0623\u0643\u062b\u0631 \u0627\u062a\u0633\u0627\u0639\u064b\u0627.<\/p>\n<\/section>\n<section>\n<h3>\u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0641\u064a \u062a\u0648\u0646\u0633<\/h3>\n<p>\u064a\u0646\u0638\u0651\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0639\u062f\u062f 2016-48 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0628\u0646\u0643\u064a \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u064a\u0639\u0631\u0651\u0641 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0648\u064a\u0634\u062a\u0631\u0637 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0644\u062a\u0642\u062f\u064a\u0645\u0647\u0627. \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631 \u0648\u0636\u0639 \u0623\u0633\u0627\u0633\u064b\u0627 \u0644\u062a\u0642\u0648\u064a\u0629 \u0627\u0644\u0635\u0644\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0635\u0631\u0651\u0641 \u0627\u0644\u062d\u0630\u0631\u060c \u0648\u0623\u062a\u0627\u062d\u062a \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u062a\u0637\u0648\u064a\u0631 \u062e\u062f\u0645\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u0623\u0648\u0633\u0639 \u0645\u0639 \u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n<p>\u0623\u0637\u0644\u0642 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a <strong>\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a (Regulatory Sandbox)<\/strong> \u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u064a\u0646 \u0645\u0646 \u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u062a\u062d\u062a \u0631\u0642\u0627\u0628\u0629 \u0645\u0648\u062c\u0647\u0629\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0651\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0645\u0639 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a. \u0643\u0645\u0627 \u062a\u0632\u0627\u064a\u062f\u062a \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0644\u0627\u062a\u0645\u0627\u0633\u064a \u0639\u0628\u0631 \u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0648\u0637\u0646\u064a\u0629.<\/p>\n<div class=\"note\">\u062e\u0644\u0627\u0635\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629: \u062d\u062a\u0649 \u0627\u0644\u0622\u0646 \u0644\u0627 \u062a\u0648\u062c\u062f \u201c\u0631\u062e\u0635\u0629 \u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0645\u0633\u062a\u0642\u0644\u0629 \u0628\u0645\u0633\u0645\u0649 \u0642\u0627\u0646\u0648\u0646\u064a \u062e\u0627\u0635\u061b \u0644\u0643\u0646 \u064a\u0645\u0643\u0646 \u062a\u0634\u063a\u064a\u0644 \u0646\u0645\u0627\u0630\u062c \u0628\u0646\u0643 \u0631\u0642\u0645\u064a \u0639\u0628\u0631 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0628\u0646\u0648\u0643 \u0645\u0631\u062e\u0651\u0635\u0629 \u0623\u0648 \u0639\u0628\u0631 \u062a\u0631\u0627\u062e\u064a\u0635 \u0645\u0632\u0648\u0651\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639\/\u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0636\u0645\u0646 \u0646\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u062f\u062f\u0629.<\/div>\n<\/section>\n<section>\n<h3>\u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646 \u0627\u0644\u062d\u0627\u0644\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/h3>\n<div class=\"table-wrap\">\n<table>\n<thead>\n<tr>\n<th>\u0627\u0644\u062e\u062f\u0645\u0629\/\u0627\u0644\u062c\u0647\u0629<\/th>\n<th>\u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/th>\n<th>\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629\/\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/th>\n<th>\u0644\u0645\u064e\u0646 \u062a\u0646\u0627\u0633\u0628\u061f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Flouci<\/strong><\/td>\n<td>\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0631\u0642\u0645\u064a\u0629 (RIB\/IBAN) \u0648\u0645\u062d\u0641\u0638\u0629\u060c \u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u062f\u0641\u0639 \u0641\u0648\u0627\u062a\u064a\u0631\u060c \u0627\u062f\u062e\u0627\u0631 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/td>\n<td>\u0646\u0645\u0648\u0630\u062c \u201c\u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629\/\u062a\u0631\u062e\u064a\u0635 \u062e\u062f\u0645\u0627\u062a \u062f\u0641\u0639\u061b \u064a\u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u062a\u062c\u0631\u0628\u0629 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0631\u0642\u0645\u064a\u0629 \u0633\u0631\u064a\u0639\u0629.<\/td>\n<td>\u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0628\u0627\u0628 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u0627\u062d\u062b\u0648\u0646 \u0639\u0646 \u062a\u062c\u0631\u0628\u0629 \u0631\u0642\u0645\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0631\u0633\u0648\u0645 \u0645\u0646\u062e\u0641\u0636\u0629.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u0637\u0628\u064a\u0642 D17 (\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u062a\u0648\u0646\u0633\u064a)<\/strong><\/td>\n<td>\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0639\u0627\u0626\u0644\u0629 \u0628\u0637\u0627\u0642\u0627\u062a <em>e-DINAR<\/em>\u060c \u062f\u0641\u0639 \u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u0639\u0645\u0644\u064a\u0627\u062a QR.<\/td>\n<td>\u062d\u0644 \u0648\u0637\u0646\u064a \u0648\u0627\u0633\u0639 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631\u061b \u064a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u0648\u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0628\u0631\u064a\u062f \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u064a\u0648\u0645\u064a\u0629.<\/td>\n<td>\u0639\u0645\u0648\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0637\u0644\u0627\u0628 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0631\u0627\u063a\u0628\u064a\u0646 \u0641\u064a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u062f\u0648\u0646 \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u062a\u0642\u0644\u064a\u062f\u064a.<\/td>\n<\/tr>\n<tr>\n<td><strong>Konnect (PSP)<\/strong><\/td>\n<td>\u0628\u0648\u0627\u0628\u0629 \u062f\u0641\u0639 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629: \u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u0644\u064a\u0629\/\u062f\u0648\u0644\u064a\u0629 \u0648e-Dinar\u060c \u0648\u0645\u064a\u0632\u0627\u062a \u201c\u0631\u0627\u0628\u0637 \u062f\u0641\u0639\u201d.<\/td>\n<td>\u0645\u0632\u0648\u062f \u062e\u062f\u0645\u0627\u062a \u062f\u0641\u0639 \u0645\u0639 \u0639\u0645\u0648\u0644\u0627\u062a \u0645\u0639\u0644\u0646\u0629 \u0644\u0644\u062a\u062c\u0627\u0631\u061b \u064a\u0628\u0633\u0651\u0637 \u0642\u0628\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631.<\/td>\n<td>\u0627\u0644\u062a\u062c\u0651\u0627\u0631 \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a\u060c \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/td>\n<\/tr>\n<tr>\n<td><strong>SMT \u2013 Mon\u00e9tique Tunisie<\/strong><\/td>\n<td>\u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0646\u0642\u0637\u0629 \u0627\u0631\u062a\u0643\u0627\u0632 \u0644\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a.<\/td>\n<td>\u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0644\u0627\u062a\u0645\u0627\u0633\u064a\u060c \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0642\u0628\u0648\u0644.<\/td>\n<td>\u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0645\u0632\u0648\u0651\u062f\u0648 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0627\u0644\u062a\u062c\u0627\u0631 (\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629).<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a\u0629<\/strong> (BIAT \u0648\u063a\u064a\u0631\u0647\u0627)<\/td>\n<td>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u062d\u0644\u0648\u0644 \u062f\u0641\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/td>\n<td>\u0631\u0642\u0645\u0646\u0629 \u0645\u0643\u062b\u0641\u0629 \u0644\u062f\u0649 \u0628\u0646\u0648\u0643 \u0643\u0628\u0631\u0649\u060c \u062a\u062c\u0627\u0631\u0628 \u0645\u062d\u0633\u0651\u0646\u0629 \u0648\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/td>\n<td>\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u064a\u062f\u0648\u0646 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u064a\u0648\u0645\u064a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/section>\n<p> <\/p>\n<div class=\"ads\">\n <ins class=\"adsbygoogle\"\n style=\"display:block\"\n data-ad-client=\"ca-pub-8850810724347453\"\n data-ad-slot=\"8781054594\"\n data-ad-format=\"auto\"\n data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>(adsbygoogle=window.adsbygoogle||[]).push({});<\/script><\/div>\n<section>\n<h3>\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u064a \u062a\u062c\u0644\u0628\u0647\u0627 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/h3>\n<ul>\n<li><strong>\u062e\u0641\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629:<\/strong> \u0646\u0645\u0627\u0630\u062c \u0639\u0645\u0644 \u062e\u0641\u064a\u0641\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u062a\u0642\u0644\u0644 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u060c \u0645\u0627 \u064a\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u0631\u0633\u0648\u0645 \u0623\u0642\u0644 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0646\u0647\u0627\u0626\u064a.<\/li>\n<li><strong>\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0633\u0631\u064a\u0639\u0629 \u0639\u0646 \u0628\u064f\u0639\u062f:<\/strong> \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0631\u0642\u0645\u064a (KYC) \u0648\u0645\u0637\u0627\u0628\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 (APIs) \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0645\u062a\u062b\u0627\u0644 \u0645\u0628\u0633\u0637\u0629.<\/li>\n<li><strong>\u062a\u0643\u0627\u0645\u0644 \u0642\u0648\u064a \u0644\u0644\u062a\u062c\u0627\u0631\u0628:<\/strong> \u0631\u0628\u0637 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0648\u0627\u062d\u062f \u0645\u0639 \u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0641\u0648\u0631\u064a\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629.<\/li>\n<li><strong>\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a:<\/strong> \u0625\u062f\u0645\u0627\u062c \u0634\u0631\u0627\u0626\u062d \u063a\u064a\u0631 \u0645\u062e\u062f\u0648\u0645\u0629 \u0645\u0635\u0631\u0641\u064a\u064b\u0627 \u0639\u0628\u0631 \u0645\u062d\u0627\u0641\u0638 \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u062e\u0641\u064a\u0641\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u0626\u0645\u0629<\/h3>\n<ol>\n<li><strong>\u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0644\u0646\u0637\u0627\u0642:<\/strong> \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u201c\u0631\u062e\u0635\u0629 \u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0645\u0633\u062a\u0642\u0644\u0629 \u064a\u0641\u0631\u0636 \u0627\u0644\u0639\u0645\u0644 \u0639\u0628\u0631 \u0634\u0631\u0627\u0643\u0627\u062a \u0623\u0648 \u062a\u0631\u0627\u062e\u064a\u0635 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0645\u0627 \u064a\u0633\u062a\u0644\u0632\u0645 \u062a\u0635\u0645\u064a\u0645\u064b\u0627 \u0642\u0627\u0646\u0648\u0646\u064a\u064b\u0627 \u0648\u062a\u0634\u063a\u064a\u0644\u064a\u064b\u0627 \u0645\u062a\u064a\u0646\u064b\u0627.<\/li>\n<li><strong>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629:<\/strong> \u0636\u0628\u0637 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u060c \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/li>\n<li><strong>\u0627\u0644\u062b\u0642\u0629 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643:<\/strong> \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0644\u062a\u062b\u0642\u064a\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0623\u062f\u0648\u0627\u062a \u0634\u0641\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0631\u0633\u0648\u0645\u060c \u0648\u0622\u0644\u064a\u0627\u062a \u0634\u0643\u0627\u0648\u0649 \u0641\u0639\u0651\u0627\u0644\u0629.<\/li>\n<li><strong>\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a:<\/strong> \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0648\u0627\u0644\u0628\u0648\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0628\u0631 \u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0642\u0646\u064a\u0629 \u0645\u0648\u062d\u062f\u0629.<\/li>\n<li><strong>\u0627\u0644\u0647\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:<\/strong> \u062a\u0648\u0633\u064a\u0639 \u0627\u0639\u062a\u0645\u0627\u062f \u062d\u0644\u0648\u0644 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0645\u0624\u0645\u0651\u0646 \u064a\u0633\u0647\u0644 \u0627\u0644\u0625\u0644\u062a\u062d\u0627\u0642 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629.<\/li>\n<\/ol>\n<\/section>\n<section>\n<h3>\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0639\u0646\u064a\u0647 \u0630\u0644\u0643 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633\u061f<\/h3>\n<ul>\n<li>\u064a\u0645\u0643\u0646\u0643 \u0628\u062f\u0621 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0628\u0631 \u0645\u062d\u0641\u0638\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062b\u0644 <a href=\"https:\/\/d17.tn\/\" target=\"_blank\" rel=\"noopener\">D17<\/a> \u0644\u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0623\u0648 \u062a\u062c\u0631\u0628\u0629 \u062d\u0633\u0627\u0628 \u0631\u0642\u0645\u064a \u0645\u0639 <a href=\"https:\/\/fr.flouci.com\/\" target=\"_blank\" rel=\"noopener\">Flouci<\/a> \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u064a\u0632\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0648\u0633\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/li>\n<li>\u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644: \u0628\u0648\u0627\u0628\u0627\u062a \u0645\u062b\u0644 <a href=\"https:\/\/konnect.network\/fr\/\" target=\"_blank\" rel=\"noopener\">Konnect<\/a> \u062a\u062a\u064a\u062d \u0642\u0628\u0648\u0644 \u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u0644\u064a\u0629 \u0648\u062f\u0648\u0644\u064a\u0629 \u0648<em>e-Dinar<\/em> \u0628\u0639\u0645\u0648\u0644\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0648\u0631\u0648\u0627\u0628\u0637 \u062f\u0641\u0639 \u0633\u0647\u0644\u0629.<\/li>\n<li>\u0644\u0645\u0646 \u064a\u0641\u0636\u0651\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629: \u0645\u0639\u0638\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u0631\u0649 \u0639\u0632\u0651\u0632\u062a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0633\u0627\u0631 \u0627\u0646\u062a\u0642\u0627\u0644\u064a \u0645\u0633\u062a\u0645\u0631 \u0646\u062d\u0648 \u062a\u062c\u0631\u0628\u0629 \u201c\u0634\u0628\u0647 \u0631\u0642\u0645\u064a\u0629\u201d \u0643\u0627\u0645\u0644\u0629.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u062a\u0648\u062c\u0647\u0627\u062a \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629: \u0645\u0646 \u0627\u0644\u0640Sandbox \u0625\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629<\/h3>\n<p>\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u064a\u0639\u0637\u064a \u0645\u0633\u0627\u062d\u0629 \u0627\u062e\u062a\u0628\u0627\u0631 \u0644\u0644\u0625\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0642\u062f\u0651\u0645\u0629 \u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0623\u0648\u0633\u0639 \u0644\u0645\u0641\u0627\u0647\u064a\u0645 <strong>\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 (Open Banking)<\/strong>\u060c \u062d\u064a\u062b \u062a\u064f\u062a\u064a\u062d \u0627\u0644\u0628\u0646\u0648\u0643 \u2013 \u0648\u0641\u0642 \u0623\u0637\u0631 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u2013 \u0645\u0634\u0627\u0631\u0643\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0645\u0648\u0627\u0641\u0642\u062a\u0647\u0645 \u0645\u0639 \u0623\u0637\u0631\u0627\u0641 \u0645\u0631\u062e\u0651\u0635\u0629 \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u0642\u064a\u0627\u0633\u064a\u0629. \u0647\u0630\u0627 \u064a\u062e\u0644\u0642 \u0646\u0638\u0627\u0645\u064b\u0627 \u0628\u064a\u0626\u064a\u064b\u0627 \u062a\u0646\u0627\u0641\u0633\u064a\u064b\u0627 \u062a\u062a\u0639\u0627\u064a\u0634 \u0641\u064a\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643 \u0648\u0645\u0632\u0648\u0651\u062f\u0648 \u0627\u0644\u062f\u0641\u0639 \u0628\u0645\u0627 \u064a\u062e\u062f\u0645 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n<\/section>\n<section>\n<h3>\u0646\u0635\u0627\u0626\u062d \u0639\u0645\u0644\u064a\u0629 \u0642\u0628\u0644 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0646\u0643\/\u0645\u062d\u0641\u0638\u0629 \u0631\u0642\u0645\u064a\u0629<\/h3>\n<ul>\n<li><strong>\u062a\u062d\u0642\u0651\u0642 \u0645\u0646 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a:<\/strong> \u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0627\u0644\u062c\u0647\u0629 \u0645\u0631\u062e\u0651\u0635\u0629 \u0645\u062d\u0644\u064a\u064b\u0627 \u0623\u0648 \u062a\u0639\u0645\u0644 \u0628\u0634\u0631\u0627\u0643\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u062a\u062d\u062a \u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/li>\n<li><strong>\u0627\u0642\u0631\u0623 \u0627\u0644\u0631\u0633\u0648\u0645 \u0628\u0648\u0636\u0648\u062d:<\/strong> \u062a\u062a\u0628\u0639 \u0639\u0645\u0648\u0644\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0648\u0627\u0644\u0633\u062d\u0628 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629.<\/li>\n<li><strong>\u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629:<\/strong> \u0641\u0639\u0651\u0644 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u062b\u0646\u0627\u0626\u064a\u0629\u060c \u0631\u0627\u0642\u0628 \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a\u060c \u0648\u0627\u0636\u0628\u0637 \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/li>\n<li><strong>\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062f\u0639\u0645:<\/strong> \u0627\u062e\u062a\u0631 \u0645\u0632\u0648\u0651\u062f\u064b\u0627 \u064a\u0642\u062f\u0651\u0645 \u062f\u0639\u0645\u0627\u064b \u0633\u0631\u064a\u0639\u0627\u064b \u0628\u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0645\u0639 \u0645\u0633\u0627\u0631\u0627\u062a \u0634\u0643\u0648\u0649 \u0648\u0627\u0636\u062d\u0629.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u062e\u0631\u064a\u0637\u0629 \u0631\u0648\u0627\u0628\u0637 \u0645\u0641\u064a\u062f\u0629 (\u0645\u0635\u0627\u062f\u0631 \u0631\u0633\u0645\u064a\u0629\/\u0645\u0647\u0646\u064a\u0629)<\/h3>\n<ul class=\"sources\">\n<li><a href=\"https:\/\/fintech.bct.gov.tn\/en\/sandbox\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u2013 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/a><\/li>\n<li><a href=\"https:\/\/www.fgdb.gov.tn\/storage\/79\/Loi-n%C2%B0-2016-48-du-11-juillet-2016.pdf\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0639\u062f\u062f 2016-48 \u0627\u0644\u0645\u0646\u0638\u0645 \u0644\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/monetiquetunisie.com\/\" target=\"_blank\" rel=\"noopener\">Mon\u00e9tique Tunisie (SMT)<\/a><\/li>\n<li><a href=\"https:\/\/fr.flouci.com\/\" target=\"_blank\" rel=\"noopener\">Flouci<\/a> \u2014 <a href=\"https:\/\/fr.flouci.com\/blog\/paiements-en-ligne-tunisie-choisir-flouci\" target=\"_blank\" rel=\"noopener\">\u0645\u062f\u0648\u0646\u0629 \u0648\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/a><\/li>\n<li><a href=\"https:\/\/d17.tn\/\" target=\"_blank\" rel=\"noopener\">\u062a\u0637\u0628\u064a\u0642 D17 \u2013 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/a><\/li>\n<li><a href=\"https:\/\/konnect.network\/fr\/pricing\/\" target=\"_blank\" rel=\"noopener\">Konnect \u2013 \u0639\u0645\u0648\u0644\u0627\u062a \u0627\u0644\u0642\u0628\u0648\u0644 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/a><\/li>\n<li><a href=\"https:\/\/www.openbankingtracker.com\/country\/tunisia\" target=\"_blank\" rel=\"noopener\">Open Banking Tracker \u2013 \u062a\u0648\u0646\u0633<\/a><\/li>\n<li><a href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/publications\/reports\/2023\/12\/competition-market-study-of-tunisia-s-retail-banking-sector_15047175\/ab995fce-en.pdf\" target=\"_blank\" rel=\"noopener\">OECD \u2013 \u062f\u0631\u0627\u0633\u0629 \u0645\u0646\u0627\u0641\u0633\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (\u062a\u0639\u0631\u064a\u0641 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639)<\/a><\/li>\n<\/ul>\n<\/section>\n<footer>\n<h3>\u0631\u0648\u0627\u0628\u0637 \u062f\u0627\u062e\u0644\u064a\u0629 \u0630\u0627\u062a \u0635\u0644\u0629<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.tunimedia.tn\/ar\" target=\"_blank\" rel=\"noopener\">\u0622\u062e\u0631 \u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0648\u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627<\/a><\/li>\n<li><a href=\"https:\/\/www.tunimedia.tn\/ar\" target=\"_blank\" rel=\"noopener\">\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/a><\/li>\n<\/ul>\n<p>\u00a9 tunimedia.tn\/ar<\/p>\n<\/footer>\n<\/article>\n<p><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0627\u0643\u062a\u0634\u0641 \u0643\u064a\u0641 \u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0634\u0647\u062f \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0628\u0646\u0643\u064a \u0641\u064a \u062a\u0648\u0646\u0633. \u0645\u0646 Flouci \u0648D17 \u0625\u0644\u0649 Konnect\u060c \u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646\u060c \u0627\u0644\u0645\u0632\u0627\u064a\u0627\u060c \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u062a\u0648\u0646\u0633 \u0639\u0627\u0645 2025.<\/p>\n","protected":false},"author":1,"featured_media":62126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,566],"tags":[1341,1343,1340,1342,1349,1344,1347,687,1338,1350,1339,1346,1348,1336,1345,1335,1337],"yst_prominent_words":[],"class_list":["post-62127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2","category-business","tag-d17","tag-fintech-tunisia","tag-flouci","tag-konnect","tag-open-banking-tunisia","tag-sandbox-bct","tag-smt","tag-687","tag-1338","tag-1350","tag-1339","tag-1346","tag-1348","tag-1336","tag-1345","tag-1335","tag-1337"],"jetpack_featured_media_url":"https:\/\/tunimedia.tn\/ar\/wp-content\/uploads\/2025\/10\/Screenshot_20251011_101110.jpg","jetpack_shortlink":"https:\/\/wp.me\/paDHaC-ga3","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/62127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/comments?post=62127"}],"version-history":[{"count":0,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/62127\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media\/62126"}],"wp:attachment":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media?parent=62127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/categories?post=62127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/tags?post=62127"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/yst_prominent_words?post=62127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":62127,"date":"2025-10-11T11:11:19","date_gmt":"2025-10-11T09:11:19","guid":{"rendered":"https:\/\/tunimedia.tn\/ar\/neobanks-in-tunisia\/"},"modified":"2025-10-11T11:11:19","modified_gmt":"2025-10-11T09:11:19","slug":"neobanks-in-tunisia","status":"publish","type":"post","link":"https:\/\/tunimedia.tn\/ar\/neobanks-in-tunisia\/","title":{"rendered":"\u0647\u0644 \u0646\u062d\u0646 \u0623\u0645\u0627\u0645 \u062b\u0648\u0631\u0629 \u0645\u0635\u0631\u0641\u064a\u0629\u061f \u0643\u0644 \u0645\u0627 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0639\u0631\u0641\u0647 \u0639\u0646 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633"},"content":{"rendered":"

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\n\u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646\u060c \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a<\/title><br \/>\n<meta name=\"description\" content=\"\u062f\u0644\u064a\u0644 \u0645\u0648\u0633\u0651\u0639 \u062d\u0648\u0644 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0645\u0627 \u0647\u064a \u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u061f \u0643\u064a\u0641 \u064a\u0646\u0638\u0645\u0647\u0627 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u061f \u0645\u0646 \u0647\u0645 \u0623\u0628\u0631\u0632 \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646 \u0645\u062b\u0644 Flouci \u0648D17 \u0648Konnect \u0648SMT\u061f \u0648\u0645\u0627 \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0623\u0645\u0627\u0645 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u061f\" \/><br \/>\n<meta name=\"keywords\" content=\"\u0646\u0628\u0648\u0643 \u0631\u0642\u0645\u064a\u0629, \u0646\u064a\u0648\u0628\u0646\u0643, \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a, \u062a\u0648\u0646\u0633, BCT, Sandbox, SMT, Flouci, D17, Konnect, \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\" \/><\/p>\n<style>\n body{font-family: \"Cairo\", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; line-height: 1.9; color:#111; background:#fff; margin:0; padding:0;}<br \/>\n .container{max-width:980px; margin:0 auto; padding:18px;}<br \/>\n header h2{font-size:1.4em; margin:0.2em 0 0.6em;}<br \/>\n h3{font-size:1.25em; margin-top:1.2em;}<br \/>\n p{margin:0.8em 0;}<br \/>\n ul,ol{padding-inline-start:1.2em;}<br \/>\n .note{background:#f6f7f9; border:1px solid #e8eaee; padding:12px 14px; border-radius:10px; margin:1em 0;}<br \/>\n .table-wrap{overflow-x:auto; border:1px solid #eee; border-radius:10px; margin:1em 0;}<br \/>\n table{width:100%; border-collapse:collapse; min-width:640px;}<br \/>\n th,td{border-bottom:1px solid #eee; padding:10px; text-align:right; vertical-align:top;}<br \/>\n th{background:#fafbfc; font-weight:700;}<br \/>\n a{color:#0a58ca; text-decoration:none;}<br \/>\n a:hover{text-decoration:underline;}<br \/>\n .ads{margin:18px auto; display:block; text-align:center;}<br \/>\n footer{margin-top:28px; font-size:0.95em; color:#333;}<br \/>\n .sources a{word-break:break-word;}<br \/>\n <\/style>\n<p><\/head><br \/>\n<body><\/p>\n<article class=\"container\">\n<header>\n<h2>\u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0641\u064a \u062a\u0648\u0646\u0633: \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646\u060c \u0627\u0644\u0641\u0631\u0635 \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a<\/h2>\n<p class=\"note\">\u0647\u0630\u0627 \u0627\u0644\u062f\u0644\u064a\u0644 \u064a\u0634\u0631\u062d \u0628\u0648\u0636\u0648\u062d \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u201c\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0648\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639\u060c \u064a\u0633\u062a\u0639\u0631\u0636 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a\u060c \u0648\u064a\u0642\u062f\u0651\u0645 \u062e\u0631\u064a\u0637\u0629 \u0644\u0623\u0628\u0631\u0632 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u062d\u0627\u0644\u064a\u064b\u0627\u060c \u0645\u0639 \u0641\u0631\u0635 \u0648\u062a\u0648\u0635\u064a\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0631\u0648\u0627\u062f \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a.<\/p>\n<\/header>\n<p> <\/p>\n<div class=\"ads\">\n <ins class=\"adsbygoogle\"\n style=\"display:inline-block;width:336px;height:280px\"\n data-ad-client=\"ca-pub-8850810724347453\"\n data-ad-slot=\"8645323225\"><\/ins><br \/>\n<script>(adsbygoogle=window.adsbygoogle||[]).push({});<\/script><\/div>\n<section>\n<h3>\u0645\u0627 \u0647\u064a \u201c\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643\u201d\u061f \u0648\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646\u0647\u0627 \u0648\u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639\u061f<\/h3>\n<p>\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643 (Neobank) \u0647\u064a \u0645\u0624\u0633\u0633\u0627\u062a \u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0631\u0642\u0645\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0648\u064a\u0628 \u0648\u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u062f\u0648\u0646 \u0634\u0628\u0643\u0629 \u0641\u0631\u0648\u0639 \u062a\u0642\u0644\u064a\u062f\u064a\u0629. \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0628\u0646\u0648\u0643 \u0634\u0631\u064a\u0643\u0629 \u0644\u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u0625\u064a\u062f\u0627\u0639 \u0648\u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0646\u0638\u0627\u0645\u064a\u0629\u060c \u0648\u062a\u062a\u0645\u064a\u0651\u0632 \u0628\u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0633\u0631\u0639\u0629 \u0641\u062a\u062d \u0627\u0644\u062d\u0633\u0627\u0628 \u0648\u062a\u062c\u0631\u0628\u0629 \u0645\u0633\u062a\u062e\u062f\u0645 \u0645\u0631\u0646\u0629. \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0628\u0644\u060c <strong>\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u062f\u0641\u0639<\/strong> \u062a\u0642\u062f\u0651\u0645 \u0648\u0638\u0627\u0626\u0641 \u062f\u0641\u0639 \u0648\u062a\u062e\u0632\u064a\u0646 \u0646\u0642\u062f\u064a \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0628\u0627\u0644\u062d\u062f\u0648\u062f \u0627\u0644\u062a\u064a \u064a\u0633\u0645\u062d \u0628\u0647\u0627 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 (\u0645\u062b\u0644 \u0627\u0644\u0625\u064a\u062f\u0627\u0639\/\u0627\u0644\u0633\u062d\u0628\u060c \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631)\u060c \u062f\u0648\u0646 \u0627\u0644\u0633\u0645\u0627\u062d \u0644\u0647\u0627 \u0639\u0627\u062f\u0629\u064b \u0628\u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0623\u0648 \u0645\u0646\u062d \u0627\u0644\u0642\u0631\u0648\u0636 \u0643\u0627\u0644\u0628\u0646\u0648\u0643. \u0623\u0645\u0627 <strong>\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629<\/strong> \u0641\u062a\u062d\u062a\u0641\u0638 \u0628\u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u0643\u0627\u0645\u0644 \u0644\u0644\u0625\u064a\u062f\u0627\u0639\u060c \u0627\u0644\u0625\u0642\u0631\u0627\u0636\u060c \u0648\u0627\u0644\u0648\u0633\u0627\u0637\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0634\u0628\u0643\u0629 \u0641\u0631\u0648\u0639 \u0648\u0646\u0638\u0645 \u0631\u0642\u0627\u0628\u064a\u0629 \u0623\u0643\u062b\u0631 \u0627\u062a\u0633\u0627\u0639\u064b\u0627.<\/p>\n<\/section>\n<section>\n<h3>\u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0641\u064a \u062a\u0648\u0646\u0633<\/h3>\n<p>\u064a\u0646\u0638\u0651\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0639\u062f\u062f 2016-48 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0628\u0646\u0643\u064a \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u064a\u0639\u0631\u0651\u0641 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0648\u064a\u0634\u062a\u0631\u0637 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0644\u062a\u0642\u062f\u064a\u0645\u0647\u0627. \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631 \u0648\u0636\u0639 \u0623\u0633\u0627\u0633\u064b\u0627 \u0644\u062a\u0642\u0648\u064a\u0629 \u0627\u0644\u0635\u0644\u0627\u0628\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u0635\u0631\u0651\u0641 \u0627\u0644\u062d\u0630\u0631\u060c \u0648\u0623\u062a\u0627\u062d\u062a \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0644\u0627\u062d\u0642\u0629 \u062a\u0637\u0648\u064a\u0631 \u062e\u062f\u0645\u0627\u062a \u0631\u0642\u0645\u064a\u0629 \u0623\u0648\u0633\u0639 \u0645\u0639 \u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n<p>\u0623\u0637\u0644\u0642 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a <strong>\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a (Regulatory Sandbox)<\/strong> \u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u064a\u0646 \u0645\u0646 \u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u062a\u062d\u062a \u0631\u0642\u0627\u0628\u0629 \u0645\u0648\u062c\u0647\u0629\u060c \u0628\u0645\u0627 \u064a\u0633\u0647\u0651\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0645\u0639 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u0627\u0644\u0646\u0638\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a. \u0643\u0645\u0627 \u062a\u0632\u0627\u064a\u062f\u062a \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0648\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0644\u0627\u062a\u0645\u0627\u0633\u064a \u0639\u0628\u0631 \u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0648\u0637\u0646\u064a\u0629.<\/p>\n<div class=\"note\">\u062e\u0644\u0627\u0635\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629: \u062d\u062a\u0649 \u0627\u0644\u0622\u0646 \u0644\u0627 \u062a\u0648\u062c\u062f \u201c\u0631\u062e\u0635\u0629 \u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0645\u0633\u062a\u0642\u0644\u0629 \u0628\u0645\u0633\u0645\u0649 \u0642\u0627\u0646\u0648\u0646\u064a \u062e\u0627\u0635\u061b \u0644\u0643\u0646 \u064a\u0645\u0643\u0646 \u062a\u0634\u063a\u064a\u0644 \u0646\u0645\u0627\u0630\u062c \u0628\u0646\u0643 \u0631\u0642\u0645\u064a \u0639\u0628\u0631 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0639 \u0628\u0646\u0648\u0643 \u0645\u0631\u062e\u0651\u0635\u0629 \u0623\u0648 \u0639\u0628\u0631 \u062a\u0631\u0627\u062e\u064a\u0635 \u0645\u0632\u0648\u0651\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639\/\u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0636\u0645\u0646 \u0646\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u062f\u062f\u0629.<\/div>\n<\/section>\n<section>\n<h3>\u0627\u0644\u0641\u0627\u0639\u0644\u0648\u0646 \u0627\u0644\u062d\u0627\u0644\u064a\u0648\u0646 \u0641\u064a \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/h3>\n<div class=\"table-wrap\">\n<table>\n<thead>\n<tr>\n<th>\u0627\u0644\u062e\u062f\u0645\u0629\/\u0627\u0644\u062c\u0647\u0629<\/th>\n<th>\u0627\u0644\u0648\u0638\u0627\u0626\u0641 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/th>\n<th>\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629\/\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/th>\n<th>\u0644\u0645\u064e\u0646 \u062a\u0646\u0627\u0633\u0628\u061f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Flouci<\/strong><\/td>\n<td>\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0631\u0642\u0645\u064a\u0629 (RIB\/IBAN) \u0648\u0645\u062d\u0641\u0638\u0629\u060c \u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u062f\u0641\u0639 \u0641\u0648\u0627\u062a\u064a\u0631\u060c \u0627\u062f\u062e\u0627\u0631 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/td>\n<td>\u0646\u0645\u0648\u0630\u062c \u201c\u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0634\u0631\u0627\u0643\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629\/\u062a\u0631\u062e\u064a\u0635 \u062e\u062f\u0645\u0627\u062a \u062f\u0641\u0639\u061b \u064a\u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u062a\u062c\u0631\u0628\u0629 \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0631\u0642\u0645\u064a\u0629 \u0633\u0631\u064a\u0639\u0629.<\/td>\n<td>\u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0634\u0628\u0627\u0628 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u0627\u062d\u062b\u0648\u0646 \u0639\u0646 \u062a\u062c\u0631\u0628\u0629 \u0631\u0642\u0645\u064a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u0648\u0631\u0633\u0648\u0645 \u0645\u0646\u062e\u0641\u0636\u0629.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u0637\u0628\u064a\u0642 D17 (\u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u062a\u0648\u0646\u0633\u064a)<\/strong><\/td>\n<td>\u0645\u062d\u0641\u0638\u0629 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0639\u0627\u0626\u0644\u0629 \u0628\u0637\u0627\u0642\u0627\u062a <em>e-DINAR<\/em>\u060c \u062f\u0641\u0639 \u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u0639\u0645\u0644\u064a\u0627\u062a QR.<\/td>\n<td>\u062d\u0644 \u0648\u0637\u0646\u064a \u0648\u0627\u0633\u0639 \u0627\u0644\u0627\u0646\u062a\u0634\u0627\u0631\u061b \u064a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0645\u0648\u0627\u0637\u0646 \u0648\u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0628\u0631\u064a\u062f \u0648\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u064a\u0648\u0645\u064a\u0629.<\/td>\n<td>\u0639\u0645\u0648\u0645 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0637\u0644\u0627\u0628 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u062f\u062e\u0644 \u0627\u0644\u0646\u0642\u062f\u064a \u0627\u0644\u0631\u0627\u063a\u0628\u064a\u0646 \u0641\u064a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0631\u0642\u0645\u064a \u062f\u0648\u0646 \u062d\u0633\u0627\u0628 \u0628\u0646\u0643\u064a \u062a\u0642\u0644\u064a\u062f\u064a.<\/td>\n<\/tr>\n<tr>\n<td><strong>Konnect (PSP)<\/strong><\/td>\n<td>\u0628\u0648\u0627\u0628\u0629 \u062f\u0641\u0639 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629: \u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u0644\u064a\u0629\/\u062f\u0648\u0644\u064a\u0629 \u0648e-Dinar\u060c \u0648\u0645\u064a\u0632\u0627\u062a \u201c\u0631\u0627\u0628\u0637 \u062f\u0641\u0639\u201d.<\/td>\n<td>\u0645\u0632\u0648\u062f \u062e\u062f\u0645\u0627\u062a \u062f\u0641\u0639 \u0645\u0639 \u0639\u0645\u0648\u0644\u0627\u062a \u0645\u0639\u0644\u0646\u0629 \u0644\u0644\u062a\u062c\u0627\u0631\u061b \u064a\u0628\u0633\u0651\u0637 \u0642\u0628\u0648\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631.<\/td>\n<td>\u0627\u0644\u062a\u062c\u0651\u0627\u0631 \u0648\u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629\u060c \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a\u060c \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644.<\/td>\n<\/tr>\n<tr>\n<td><strong>SMT \u2013 Mon\u00e9tique Tunisie<\/strong><\/td>\n<td>\u0627\u0644\u0645\u062d\u0648\u0651\u0644 \u0627\u0644\u0648\u0637\u0646\u064a \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0646\u0642\u0637\u0629 \u0627\u0631\u062a\u0643\u0627\u0632 \u0644\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0644\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a.<\/td>\n<td>\u0628\u0646\u064a\u0629 \u062a\u062d\u062a\u064a\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0644\u0627\u062a\u0645\u0627\u0633\u064a\u060c \u0648\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0642\u0628\u0648\u0644.<\/td>\n<td>\u0627\u0644\u0628\u0646\u0648\u0643\u060c \u0645\u0632\u0648\u0651\u062f\u0648 \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0627\u0644\u062a\u062c\u0627\u0631 (\u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629).<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a\u0629<\/strong> (BIAT \u0648\u063a\u064a\u0631\u0647\u0627)<\/td>\n<td>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u060c \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a\u060c \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u062d\u0644\u0648\u0644 \u062f\u0641\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/td>\n<td>\u0631\u0642\u0645\u0646\u0629 \u0645\u0643\u062b\u0641\u0629 \u0644\u062f\u0649 \u0628\u0646\u0648\u0643 \u0643\u0628\u0631\u0649\u060c \u062a\u062c\u0627\u0631\u0628 \u0645\u062d\u0633\u0651\u0646\u0629 \u0648\u062a\u0648\u0633\u0639 \u0641\u064a \u0627\u0644\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/td>\n<td>\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0627\u0644\u0630\u064a\u0646 \u064a\u0631\u064a\u062f\u0648\u0646 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0627\u0644\u064a\u0648\u0645\u064a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/section>\n<p> <\/p>\n<div class=\"ads\">\n <ins class=\"adsbygoogle\"\n style=\"display:block\"\n data-ad-client=\"ca-pub-8850810724347453\"\n data-ad-slot=\"8781054594\"\n data-ad-format=\"auto\"\n data-full-width-responsive=\"true\"><\/ins><br \/>\n<script>(adsbygoogle=window.adsbygoogle||[]).push({});<\/script><\/div>\n<section>\n<h3>\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u064a \u062a\u062c\u0644\u0628\u0647\u0627 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/h3>\n<ul>\n<li><strong>\u062e\u0641\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629:<\/strong> \u0646\u0645\u0627\u0630\u062c \u0639\u0645\u0644 \u062e\u0641\u064a\u0641\u0629 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u062a\u0642\u0644\u0644 \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u060c \u0645\u0627 \u064a\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u0631\u0633\u0648\u0645 \u0623\u0642\u0644 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0646\u0647\u0627\u0626\u064a.<\/li>\n<li><strong>\u0641\u062a\u062d \u062d\u0633\u0627\u0628\u0627\u062a \u0633\u0631\u064a\u0639\u0629 \u0639\u0646 \u0628\u064f\u0639\u062f:<\/strong> \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0631\u0642\u0645\u064a (KYC) \u0648\u0645\u0637\u0627\u0628\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 (APIs) \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0627\u0645\u062a\u062b\u0627\u0644 \u0645\u0628\u0633\u0637\u0629.<\/li>\n<li><strong>\u062a\u0643\u0627\u0645\u0644 \u0642\u0648\u064a \u0644\u0644\u062a\u062c\u0627\u0631\u0628:<\/strong> \u0631\u0628\u0637 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0648\u0627\u0644\u0627\u062f\u062e\u0627\u0631 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0648\u0627\u062d\u062f \u0645\u0639 \u062a\u0646\u0628\u064a\u0647\u0627\u062a \u0641\u0648\u0631\u064a\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u0625\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u064a\u0632\u0627\u0646\u064a\u0629.<\/li>\n<li><strong>\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a:<\/strong> \u0625\u062f\u0645\u0627\u062c \u0634\u0631\u0627\u0626\u062d \u063a\u064a\u0631 \u0645\u062e\u062f\u0648\u0645\u0629 \u0645\u0635\u0631\u0641\u064a\u064b\u0627 \u0639\u0628\u0631 \u0645\u062d\u0627\u0641\u0638 \u0648\u062d\u0633\u0627\u0628\u0627\u062a \u062e\u0641\u064a\u0641\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u0626\u0645\u0629<\/h3>\n<ol>\n<li><strong>\u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0644\u0646\u0637\u0627\u0642:<\/strong> \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u201c\u0631\u062e\u0635\u0629 \u0646\u064a\u0648\u0628\u0646\u0643\u201d \u0645\u0633\u062a\u0642\u0644\u0629 \u064a\u0641\u0631\u0636 \u0627\u0644\u0639\u0645\u0644 \u0639\u0628\u0631 \u0634\u0631\u0627\u0643\u0627\u062a \u0623\u0648 \u062a\u0631\u0627\u062e\u064a\u0635 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0645\u0627 \u064a\u0633\u062a\u0644\u0632\u0645 \u062a\u0635\u0645\u064a\u0645\u064b\u0627 \u0642\u0627\u0646\u0648\u0646\u064a\u064b\u0627 \u0648\u062a\u0634\u063a\u064a\u0644\u064a\u064b\u0627 \u0645\u062a\u064a\u0646\u064b\u0627.<\/li>\n<li><strong>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062c\u0631\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629:<\/strong> \u0636\u0628\u0637 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0645\u0643\u0627\u0641\u062d\u0629 \u063a\u0633\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0631\u0647\u0627\u0628\u060c \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/li>\n<li><strong>\u0627\u0644\u062b\u0642\u0629 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643:<\/strong> \u0627\u0644\u062d\u0627\u062c\u0629 \u0644\u0644\u062a\u062b\u0642\u064a\u0641 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0623\u062f\u0648\u0627\u062a \u0634\u0641\u0627\u0641\u064a\u0629 \u0641\u064a \u0627\u0644\u0631\u0633\u0648\u0645\u060c \u0648\u0622\u0644\u064a\u0627\u062a \u0634\u0643\u0627\u0648\u0649 \u0641\u0639\u0651\u0627\u0644\u0629.<\/li>\n<li><strong>\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a:<\/strong> \u062a\u0633\u0631\u064a\u0639 \u0627\u0644\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0648\u0627\u0644\u0628\u0648\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0628\u0631 \u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0642\u0646\u064a\u0629 \u0645\u0648\u062d\u062f\u0629.<\/li>\n<li><strong>\u0627\u0644\u0647\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a:<\/strong> \u062a\u0648\u0633\u064a\u0639 \u0627\u0639\u062a\u0645\u0627\u062f \u062d\u0644\u0648\u0644 \u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u062a\u0648\u0642\u064a\u0639 \u0627\u0644\u0645\u0624\u0645\u0651\u0646 \u064a\u0633\u0647\u0644 \u0627\u0644\u0625\u0644\u062a\u062d\u0627\u0642 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u062a\u0642\u062f\u0645\u0629.<\/li>\n<\/ol>\n<\/section>\n<section>\n<h3>\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0639\u0646\u064a\u0647 \u0630\u0644\u0643 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0641\u064a \u062a\u0648\u0646\u0633\u061f<\/h3>\n<ul>\n<li>\u064a\u0645\u0643\u0646\u0643 \u0628\u062f\u0621 \u0631\u062d\u0644\u062a\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0628\u0631 \u0645\u062d\u0641\u0638\u0629 \u0648\u0637\u0646\u064a\u0629 \u0645\u062b\u0644 <a href=\"https:\/\/d17.tn\/\" target=\"_blank\" rel=\"noopener\">D17<\/a> \u0644\u062a\u0633\u062f\u064a\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0623\u0648 \u062a\u062c\u0631\u0628\u0629 \u062d\u0633\u0627\u0628 \u0631\u0642\u0645\u064a \u0645\u0639 <a href=\"https:\/\/fr.flouci.com\/\" target=\"_blank\" rel=\"noopener\">Flouci<\/a> \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u064a\u0632\u0627\u062a \u0645\u0635\u0631\u0641\u064a\u0629 \u0623\u0648\u0633\u0639 \u062f\u0627\u062e\u0644 \u0627\u0644\u062a\u0637\u0628\u064a\u0642.<\/li>\n<li>\u0644\u0644\u0645\u062a\u0627\u062c\u0631 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0648\u0631\u0648\u0627\u062f \u0627\u0644\u0623\u0639\u0645\u0627\u0644: \u0628\u0648\u0627\u0628\u0627\u062a \u0645\u062b\u0644 <a href=\"https:\/\/konnect.network\/fr\/\" target=\"_blank\" rel=\"noopener\">Konnect<\/a> \u062a\u062a\u064a\u062d \u0642\u0628\u0648\u0644 \u0628\u0637\u0627\u0642\u0627\u062a \u0645\u062d\u0644\u064a\u0629 \u0648\u062f\u0648\u0644\u064a\u0629 \u0648<em>e-Dinar<\/em> \u0628\u0639\u0645\u0648\u0644\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0648\u0631\u0648\u0627\u0628\u0637 \u062f\u0641\u0639 \u0633\u0647\u0644\u0629.<\/li>\n<li>\u0644\u0645\u0646 \u064a\u0641\u0636\u0651\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629: \u0645\u0639\u0638\u0645 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0643\u0628\u0631\u0649 \u0639\u0632\u0651\u0632\u062a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0645\u0648\u0628\u0627\u064a\u0644 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0648\u0647\u0648 \u0645\u0633\u0627\u0631 \u0627\u0646\u062a\u0642\u0627\u0644\u064a \u0645\u0633\u062a\u0645\u0631 \u0646\u062d\u0648 \u062a\u062c\u0631\u0628\u0629 \u201c\u0634\u0628\u0647 \u0631\u0642\u0645\u064a\u0629\u201d \u0643\u0627\u0645\u0644\u0629.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u062a\u0648\u062c\u0647\u0627\u062a \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629: \u0645\u0646 \u0627\u0644\u0640Sandbox \u0625\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629<\/h3>\n<p>\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0644\u062f\u0649 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u064a\u0639\u0637\u064a \u0645\u0633\u0627\u062d\u0629 \u0627\u062e\u062a\u0628\u0627\u0631 \u0644\u0644\u0625\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0642\u062f\u0651\u0645\u0629 \u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0623\u0648\u0633\u0639 \u0644\u0645\u0641\u0627\u0647\u064a\u0645 <strong>\u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0645\u0641\u062a\u0648\u062d\u0629 (Open Banking)<\/strong>\u060c \u062d\u064a\u062b \u062a\u064f\u062a\u064a\u062d \u0627\u0644\u0628\u0646\u0648\u0643 \u2013 \u0648\u0641\u0642 \u0623\u0637\u0631 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u2013 \u0645\u0634\u0627\u0631\u0643\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0628\u0645\u0648\u0627\u0641\u0642\u062a\u0647\u0645 \u0645\u0639 \u0623\u0637\u0631\u0627\u0641 \u0645\u0631\u062e\u0651\u0635\u0629 \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u064a\u0629 \u0642\u064a\u0627\u0633\u064a\u0629. \u0647\u0630\u0627 \u064a\u062e\u0644\u0642 \u0646\u0638\u0627\u0645\u064b\u0627 \u0628\u064a\u0626\u064a\u064b\u0627 \u062a\u0646\u0627\u0641\u0633\u064a\u064b\u0627 \u062a\u062a\u0639\u0627\u064a\u0634 \u0641\u064a\u0647 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0648\u0627\u0644\u0646\u064a\u0648\u0628\u0646\u0643 \u0648\u0645\u0632\u0648\u0651\u062f\u0648 \u0627\u0644\u062f\u0641\u0639 \u0628\u0645\u0627 \u064a\u062e\u062f\u0645 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0631\u0642\u0645\u064a.<\/p>\n<\/section>\n<section>\n<h3>\u0646\u0635\u0627\u0626\u062d \u0639\u0645\u0644\u064a\u0629 \u0642\u0628\u0644 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0646\u0643\/\u0645\u062d\u0641\u0638\u0629 \u0631\u0642\u0645\u064a\u0629<\/h3>\n<ul>\n<li><strong>\u062a\u062d\u0642\u0651\u0642 \u0645\u0646 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0644\u0634\u0631\u0627\u0643\u0627\u062a:<\/strong> \u062a\u0623\u0643\u062f \u0645\u0646 \u0623\u0646 \u0627\u0644\u062c\u0647\u0629 \u0645\u0631\u062e\u0651\u0635\u0629 \u0645\u062d\u0644\u064a\u064b\u0627 \u0623\u0648 \u062a\u0639\u0645\u0644 \u0628\u0634\u0631\u0627\u0643\u0629 \u0645\u0635\u0631\u0641\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u062a\u062d\u062a \u0631\u0642\u0627\u0628\u0629 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/li>\n<li><strong>\u0627\u0642\u0631\u0623 \u0627\u0644\u0631\u0633\u0648\u0645 \u0628\u0648\u0636\u0648\u062d:<\/strong> \u062a\u062a\u0628\u0639 \u0639\u0645\u0648\u0644\u0627\u062a \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0648\u0627\u0644\u0633\u062d\u0628 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062f\u0648\u0644\u064a \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629.<\/li>\n<li><strong>\u0627\u0644\u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629:<\/strong> \u0641\u0639\u0651\u0644 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u062b\u0646\u0627\u0626\u064a\u0629\u060c \u0631\u0627\u0642\u0628 \u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a\u060c \u0648\u0627\u0636\u0628\u0637 \u062d\u062f\u0648\u062f \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/li>\n<li><strong>\u0642\u0646\u0648\u0627\u062a \u0627\u0644\u062f\u0639\u0645:<\/strong> \u0627\u062e\u062a\u0631 \u0645\u0632\u0648\u0651\u062f\u064b\u0627 \u064a\u0642\u062f\u0651\u0645 \u062f\u0639\u0645\u0627\u064b \u0633\u0631\u064a\u0639\u0627\u064b \u0628\u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0645\u0639 \u0645\u0633\u0627\u0631\u0627\u062a \u0634\u0643\u0648\u0649 \u0648\u0627\u0636\u062d\u0629.<\/li>\n<\/ul>\n<\/section>\n<section>\n<h3>\u062e\u0631\u064a\u0637\u0629 \u0631\u0648\u0627\u0628\u0637 \u0645\u0641\u064a\u062f\u0629 (\u0645\u0635\u0627\u062f\u0631 \u0631\u0633\u0645\u064a\u0629\/\u0645\u0647\u0646\u064a\u0629)<\/h3>\n<ul class=\"sources\">\n<li><a href=\"https:\/\/fintech.bct.gov.tn\/en\/sandbox\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0645\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u2013 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/a><\/li>\n<li><a href=\"https:\/\/www.fgdb.gov.tn\/storage\/79\/Loi-n%C2%B0-2016-48-du-11-juillet-2016.pdf\" target=\"_blank\" rel=\"noopener\">\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0639\u062f\u062f 2016-48 \u0627\u0644\u0645\u0646\u0638\u0645 \u0644\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (PDF)<\/a><\/li>\n<li><a href=\"https:\/\/monetiquetunisie.com\/\" target=\"_blank\" rel=\"noopener\">Mon\u00e9tique Tunisie (SMT)<\/a><\/li>\n<li><a href=\"https:\/\/fr.flouci.com\/\" target=\"_blank\" rel=\"noopener\">Flouci<\/a> \u2014 <a href=\"https:\/\/fr.flouci.com\/blog\/paiements-en-ligne-tunisie-choisir-flouci\" target=\"_blank\" rel=\"noopener\">\u0645\u062f\u0648\u0646\u0629 \u0648\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/a><\/li>\n<li><a href=\"https:\/\/d17.tn\/\" target=\"_blank\" rel=\"noopener\">\u062a\u0637\u0628\u064a\u0642 D17 \u2013 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u062a\u0648\u0646\u0633\u064a<\/a><\/li>\n<li><a href=\"https:\/\/konnect.network\/fr\/pricing\/\" target=\"_blank\" rel=\"noopener\">Konnect \u2013 \u0639\u0645\u0648\u0644\u0627\u062a \u0627\u0644\u0642\u0628\u0648\u0644 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/a><\/li>\n<li><a href=\"https:\/\/www.openbankingtracker.com\/country\/tunisia\" target=\"_blank\" rel=\"noopener\">Open Banking Tracker \u2013 \u062a\u0648\u0646\u0633<\/a><\/li>\n<li><a href=\"https:\/\/www.oecd.org\/content\/dam\/oecd\/en\/publications\/reports\/2023\/12\/competition-market-study-of-tunisia-s-retail-banking-sector_15047175\/ab995fce-en.pdf\" target=\"_blank\" rel=\"noopener\">OECD \u2013 \u062f\u0631\u0627\u0633\u0629 \u0645\u0646\u0627\u0641\u0633\u0629 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (\u062a\u0639\u0631\u064a\u0641 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639)<\/a><\/li>\n<\/ul>\n<\/section>\n<footer>\n<h3>\u0631\u0648\u0627\u0628\u0637 \u062f\u0627\u062e\u0644\u064a\u0629 \u0630\u0627\u062a \u0635\u0644\u0629<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.tunimedia.tn\/ar\" target=\"_blank\" rel=\"noopener\">\u0622\u062e\u0631 \u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0648\u0627\u0644\u0645\u0627\u0644 \u0639\u0644\u0649 \u062a\u0648\u0646\u064a\u0645\u064a\u062f\u064a\u0627<\/a><\/li>\n<li><a href=\"https:\/\/www.tunimedia.tn\/ar\" target=\"_blank\" rel=\"noopener\">\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/a><\/li>\n<\/ul>\n<p>\u00a9 tunimedia.tn\/ar<\/p>\n<\/footer>\n<\/article>\n<p><\/html><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0627\u0643\u062a\u0634\u0641 \u0643\u064a\u0641 \u062a\u063a\u064a\u0651\u0631 \u0627\u0644\u0646\u0628\u0648\u0643 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0634\u0647\u062f \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0628\u0646\u0643\u064a \u0641\u064a \u062a\u0648\u0646\u0633. \u0645\u0646 Flouci \u0648D17 \u0625\u0644\u0649 Konnect\u060c \u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0627\u0644\u0641\u0627\u0639\u0644\u064a\u0646\u060c \u0627\u0644\u0645\u0632\u0627\u064a\u0627\u060c \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u062a\u0648\u0646\u0633 \u0639\u0627\u0645 2025.<\/p>\n","protected":false},"author":1,"featured_media":62126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2,566],"tags":[1341,1343,1340,1342,1349,1344,1347,687,1338,1350,1339,1346,1348,1336,1345,1335,1337],"yst_prominent_words":[],"class_list":["post-62127","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-2","category-business","tag-d17","tag-fintech-tunisia","tag-flouci","tag-konnect","tag-open-banking-tunisia","tag-sandbox-bct","tag-smt","tag-687","tag-1338","tag-1350","tag-1339","tag-1346","tag-1348","tag-1336","tag-1345","tag-1335","tag-1337"],"jetpack_featured_media_url":"https:\/\/tunimedia.tn\/ar\/wp-content\/uploads\/2025\/10\/Screenshot_20251011_101110.jpg","jetpack_shortlink":"https:\/\/wp.me\/paDHaC-ga3","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/62127","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/comments?post=62127"}],"version-history":[{"count":0,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/posts\/62127\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media\/62126"}],"wp:attachment":[{"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/media?parent=62127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/categories?post=62127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/tags?post=62127"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/tunimedia.tn\/ar\/wp-json\/wp\/v2\/yst_prominent_words?post=62127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}