{"id":521,"date":"2026-02-01T21:24:14","date_gmt":"2026-02-01T18:24:14","guid":{"rendered":"https:\/\/consultiva.sa\/?p=521"},"modified":"2026-02-01T21:28:07","modified_gmt":"2026-02-01T18:28:07","slug":"5-%d8%a3%d8%ae%d8%b7%d8%a7%d8%a1-%d9%81%d9%8a-%d8%a7%d9%84%d8%ad%d9%88%d9%83%d9%85%d8%a9-%d8%aa%d9%81%d9%82%d8%af%d9%83-%d8%a7%d9%84%d9%83%d9%81%d8%a7%d8%a1%d8%a9-%d8%a7%d9%84%d8%aa%d8%b4%d8%ba%d9%8a","status":"publish","type":"post","link":"https:\/\/consultiva.sa\/en\/5-%d8%a3%d8%ae%d8%b7%d8%a7%d8%a1-%d9%81%d9%8a-%d8%a7%d9%84%d8%ad%d9%88%d9%83%d9%85%d8%a9-%d8%aa%d9%81%d9%82%d8%af%d9%83-%d8%a7%d9%84%d9%83%d9%81%d8%a7%d8%a1%d8%a9-%d8%a7%d9%84%d8%aa%d8%b4%d8%ba%d9%8a\/","title":{"rendered":"5 \u0623\u062e\u0637\u0627\u0621 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u062a\u0641\u0642\u062f\u0643 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0631\u0628\u062d\u064a\u0629."},"content":{"rendered":"<div class=\"featured-image-container mb-6\"><img decoding=\"async\" src=\"https:\/\/consultiva.sa\/wp-content\/uploads\/2026\/02\/img_1769967137_697f8e215e26f-1.webp\" alt=\"Featured Image\" class=\"w-full h-auto shadow-md mb-4\" loading=\"lazy\"><\/p>\n<p id=\"p-ml40xwov-6e2gr\">Table of Contents<\/p>\n<ul>\n<li><a href=\"#section-1\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0648\u0627\u0644\u0646\u0645\u0648<\/a><\/li>\n<li><a href=\"#section-2\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0643\u0644\u064a \u0625\u0644\u0649 \u0645\u062d\u0631\u0643 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a<\/a><\/li>\n<li><a href=\"#section-3\">\u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0642\u0627\u062a\u0644\u0629 \u0641\u064a \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629<\/a><\/li>\n<li><a href=\"#section-4\">\u0645\u0642\u0627\u0631\u0646\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629: \u0643\u064a\u0641 \u062a\u062d\u0648\u0644 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0625\u0644\u0649 \u062a\u0645\u064a\u0651\u0632<\/a><\/li>\n<li><a href=\"#section-5\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 (\u0641\u0634\u0644 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a)<\/a><\/li>\n<li><a href=\"#section-6\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/a><\/li>\n<li><a href=\"#section-7\">\u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627: \u0634\u0631\u064a\u0643\u0643 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a<\/a><\/li>\n<li><a href=\"#section-8\">\u0623\u0633\u0626\u0644\u0629 \u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 (FAQ)<\/a><\/li>\n<\/ul>\n<h2 id=\"section-1\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0648\u0627\u0644\u0646\u0645\u0648<\/h2>\n<p id=\"p-ml40xwow-18rm8\">\u0641\u064a \u0627\u0644\u0645\u0634\u0647\u062f \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0627\u0644\u0645\u062a\u0633\u0627\u0631\u0639\u060c \u0644\u0645 \u062a\u0639\u062f \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0645\u062c\u0631\u062f \u0645\u062a\u0637\u0644\u0628 \u062a\u0646\u0638\u064a\u0645\u064a \u0623\u0648 \u0627\u0645\u062a\u062b\u0627\u0644 \u0634\u0643\u0644\u064a\u060c \u0628\u0644 \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0639\u0645\u0648\u062f 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\u0648\u062a\u062d\u0642\u064a\u0642 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0631\u0624\u064a\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 2030 \u0627\u0644\u0637\u0645\u0648\u062d\u0629.<\/p>\n<p id=\"p-ml40xwow-kjceg\">\u0644\u0642\u062f \u0623\u062b\u0628\u062a\u062a \u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0623\u0646 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0628\u0646\u0627\u0621 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0645\u062a\u064a\u0646\u0629 \u0648\u0645\u062d\u0643\u0645\u0629 \u064a\u0624\u062f\u064a \u0645\u0628\u0627\u0634\u0631\u0629 \u0625\u0644\u0649 \u0647\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0648\u0636\u0639\u0641 \u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u064a\u0642 \u062c\u0647\u0648\u062f <a href=\"https:\/\/consultiva.sa\/%D9%85%D9%86-%D9%86%D8%AD%D9%86\/\" target=\"_blank\">\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621<\/a>. \u0647\u0630\u0627 \u0627\u0644\u0623\u0645\u0631 \u062d\u064a\u0648\u064a \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0641\u064a \u0628\u064a\u0626\u0629 \u0634\u062f\u064a\u062f\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0648\u062a\u062a\u0637\u0644\u0628 \u0645\u0631\u0648\u0646\u0629 \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0639\u0627\u0644\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-hg32v\">\u0646\u062d\u0646 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627 \u0646\u0624\u0645\u0646 \u0628\u0623\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u0647\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 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\u0634\u0643\u0644\u064a\u060c \u0628\u0644 \u0647\u064a \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0648\u0627\u0644\u0639\u0645\u0648\u062f \u0627\u0644\u0641\u0642\u0631\u064a \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0648\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629\u060c \u0648\u0627\u0644\u0645\u062d\u0631\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0631\u0624\u064a\u0629 2030.&#8221;<\/em> <strong>\u062e\u0628\u064a\u0631 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629<\/strong><\/p><\/blockquote>\n<h2 id=\"section-2\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 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\u0628\u0646\u062c\u0627\u062d\u060c \u062e\u0635\u0648\u0635\u0627\u064b \u0641\u064a \u0642\u0637\u0627\u0639\u0627\u062a \u062d\u064a\u0648\u064a\u0629 \u0645\u062b\u0644 <strong>\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> \u0648<strong>\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629<\/strong>.<\/p>\n<p id=\"p-ml40xwow-glldm\">\u0625\u0646 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u062a\u0623\u0633\u064a\u0633 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0645\u062a\u064a\u0646\u0629 \u064a\u0624\u062f\u064a \u0645\u0628\u0627\u0634\u0631\u0629 \u0625\u0644\u0649 <strong>\u0647\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f<\/strong> \u0648\u0636\u0639\u0641 <strong>\u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong>. \u062a\u0634\u064a\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 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target=\"_blank\"><\/p>\n<div>\n<div>\n<div>\n<div>\u0628\u0631\u0627\u0621\u0629 \u0627\u062e\u062a\u0631\u0627\u0639 \u00b7 2014-11-11<\/div>\n<h4>\u0627\u0644\u0643\u0634\u0641 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0639\u0646 \u0627\u0644\u0634\u0630\u0648\u0630 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0646\u0645\u0630\u062c\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 \u0648\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u062c\u0627\u0646\u0633\u0629&#8230;<\/h4>\n<p id=\"p-ml40xwow-nashn\">\u064a\u0643\u0634\u0641 \u0647\u0630\u0627 \u0627\u0644\u0648\u0635\u0641 \u0639\u0646 \u0637\u0631\u064a\u0642\u0629 \u0648\u0646\u0638\u0627\u0645 \u0644\u0644\u0643\u0634\u0641 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0639\u0646 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0634\u0627\u0630\u0629 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0646\u0645\u0630\u062c\u0629 \u0627\u0644\u0633\u0644\u0648\u0643 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id=\"section-3\">\u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0642\u0627\u062a\u0644\u0629 \u0641\u064a \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629<\/h2>\n<p id=\"p-ml40xwow-i4fxb\">\u0641\u064a \u0631\u062d\u0644\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0627\u0644\u0637\u0645\u0648\u062d\u0629\u060c \u0644\u0627\u062d\u0638\u0646\u0627 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627 \u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0639\u062b\u0631 \u0641\u064a \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0648\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645 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\u064a\u0639\u064a\u0642 \u0627\u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0627\u0644\u0641\u0639\u0627\u0644\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u0648\u0636\u0639 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0643\u0628\u0631\u0649 \u062f\u0648\u0646 \u0648\u062c\u0648\u062f \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u062a\u0636\u0645\u0646 \u0631\u0628\u0637 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0628\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0628\u0634\u0643\u0644 \u063a\u064a\u0631 \u0645\u062b\u0627\u0644\u064a.<\/p>\n<p id=\"p-ml40xwow-x9vb3\"><strong>\u0627\u0644\u062d\u0644:<\/strong> \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0631\u0628\u0637 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0628\u0646\u0638\u0627\u0645 \u0645\u062a\u0643\u0627\u0645\u0644 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u060c \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u062f\u0648\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629 \u0648\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u062a\u0648\u0627\u0632\u0646. \u0647\u0630\u0627 \u064a\u0636\u0645\u0646 \u0623\u0646 \u0643\u0644 \u0644\u062c\u0646\u0629 \u0648\u0643\u0644 \u0639\u0645\u0644\u064a\u0629 \u062a\u062f\u0639\u0645 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u062d\u062f\u062f\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u064a\u062d\u0642\u0642 \u0623\u0642\u0635\u0649 \u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0643\u0644 \u0627\u0633\u062a\u062b\u0645\u0627\u0631.<\/p>\n<h3 id=\"section-10\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629<\/h3>\n<p id=\"p-ml40xwow-zq06z\">\u0641\u064a \u0639\u0635\u0631 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u062a\u0641\u0634\u0644 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech Companies)\u060c \u0641\u064a \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0644\u062f\u064a\u0647\u0627 \u0644\u062a\u062d\u0642\u064a\u0642 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-ln3j4\">\u062a\u0634\u064a\u0631 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0646\u0638\u0627\u0645 \u0634\u0627\u0645\u0644 \u0644\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u064a \u062a\u0641\u062a\u0642\u062f \u0644\u0644\u0631\u0624\u0649 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 40%. \u0643\u0645\u0627 \u062a\u0624\u062f\u064a \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0625\u0644\u0649 \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u062f\u0631 \u0628\u0640 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629.<\/p>\n<p id=\"p-ml40xwow-3blgx\"><strong>\u0627\u0644\u062d\u0644:<\/strong> \u0627\u0644\u062a\u062d\u0648\u0644 \u0625\u0644\u0649 \u0646\u0647\u062c \u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u062a\u0637\u0644\u0628 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u064a\u0646\u0629 \u0648\u0645\u0628\u062a\u0643\u0631\u0629. \u0647\u0630\u0627 \u064a\u062a\u064a\u062d \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a \u0648\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u0629 (Machine Learning) \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062f\u0627\u0639\u0645\u0629 \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0648\u0627\u0644\u0631\u0628\u062d\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-878sf\">\u0625\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0645\u0646\u0635\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0645\u062b\u0644 \u0645\u0633\u062a\u0648\u062f\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648\u0631\u0627\u0643\u0644 \u0627\u0644\u0645\u0633\u062a\u0642\u0644 (Oracle Autonomous Data Warehouse) \u0623\u0648 \u0633\u062d\u0627\u0628\u0629 \u0623\u0648\u0631\u0627\u0643\u0644 \u0644\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a (Oracle Analytics Cloud) \u064a\u0635\u0628\u062d \u0636\u0631\u0648\u0631\u0629 \u0644\u0636\u0645\u0627\u0646 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u062a\u062d\u0642\u064a\u0642 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a.<\/p>\n<blockquote>\n<p id=\"p-ml40xwow-rbwxa\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u062a\u0641\u0631\u0636 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0647\u064a \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0644\u0644\u0645\u0624\u0633\u0633\u0629\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u062c\u0645\u0639\u0647\u0627 \u0648\u062a\u062e\u0632\u064a\u0646\u0647\u0627 \u0648\u062a\u062d\u0644\u064a\u0644\u0647\u0627 \u0645\u062d\u0643\u0648\u0645\u0629 \u0628\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0627\u0644\u0645\u0633\u0627\u0621\u0644\u0629 \u0644\u0636\u0645\u0627\u0646 \u0642\u064a\u0627\u062f\u0629 \u0627\u0644\u0646\u0645\u0648.<\/p>\n<\/blockquote>\n<h3 id=\"section-11\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/h3>\n<p id=\"p-ml40xwow-7xq4z\">\u062a\u062a\u0633\u0627\u0631\u0639 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0646\u062d\u0648 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0628\u0647\u062f\u0641 \u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u062a\u0647\u0645\u0644 \u0623\u062a\u0645\u062a\u0629 \u0623\u0637\u0631 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0635\u0627\u062d\u0628\u0629 (GRC).<\/p>\n<p id=\"p-ml40xwow-xtybm\">\u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 15% \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u0645\u0639 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u062d\u0627\u0644 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0636\u0648\u0627\u0628\u0637 \u062c\u064a\u062f\u0629 \u0644\u0645\u0646\u0639 \u0627\u0644\u062b\u063a\u0631\u0627\u062a \u0627\u0644\u0623\u0645\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-yjxqn\">\u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u064a\u062f\u0648\u064a\u0629 \u0648\u0639\u062f\u0645 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GoldenGate) \u0645\u0646 \u0623\u0648\u0631\u0627\u0643\u0644 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0644\u062d\u0638\u064a \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u062b\u063a\u0631\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629. \u0625\u0646 \u0636\u0639\u0641 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u062a\u0646\u0634\u0623 \u0645\u0646 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0636\u0648\u0627\u0628\u0637 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 20%\u060c \u0645\u0645\u0627 \u064a\u0639\u0631\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0636\u062e\u0645\u0629 \u0628\u0633\u0628\u0628 \u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a \u0627\u0644\u062a\u0648\u0627\u0641\u0642.<\/p>\n<h3 id=\"section-12\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0631\u0627\u0628\u0639: \u0625\u063a\u0641\u0627\u0644 \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062b\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0628\u062f\u0642\u0629<\/h3>\n<p id=\"p-ml40xwow-kl44j\">\u0647\u0630\u0627 \u0627\u0644\u062e\u0637\u0623 \u062d\u064a\u0648\u064a \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0644\u0644\u0642\u0637\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0631\u0628\u062d\u064a\u060c \u0648\u0644\u0643\u0646\u0647 \u064a\u0624\u062b\u0631 \u0623\u064a\u0636\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0628\u0646\u0649 \u0628\u0631\u0627\u0645\u062c \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629. 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\u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628\u0629 \u0644\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0633\u0648\u0642\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629.<\/p>\n<h3 id=\"quote-697f8d70f0d62\">\u0631\u0624\u0649 \u0627\u0644\u062e\u0628\u0631\u0627\u0621<\/h3>\n<blockquote><p><em>&#8220;\u0625\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u062f\u0648\u0646 \u062a\u0643\u064a\u064a\u0641\u0647\u0627 \u0645\u0639 \u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0648\u0627\u0644\u062a\u0639\u0642\u064a\u062f \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a \u0627\u0644\u0645\u062d\u0644\u064a (\u0643\u0644\u0648\u0627\u0626\u062d NCA \u0648 SDAIA \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0633\u0639\u0648\u062f\u0629) \u0647\u0648 \u062e\u0637\u0623 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a. \u064a\u062c\u0628 \u062f\u0645\u062c \u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629 \u0645\u0639 \u0627\u0644\u0641\u0647\u0645 \u0627\u0644\u0639\u0645\u064a\u0642 \u0644\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.&#8221;<\/em> (<strong>\u062e\u0628\u064a\u0631 \u0641\u064a \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/strong>)<\/p><\/blockquote>\n<h2 id=\"section-4\">\u0645\u0642\u0627\u0631\u0646\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629: \u0643\u064a\u0641 \u062a\u062d\u0648\u0644 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0625\u0644\u0649 \u062a\u0645\u064a\u0651\u0632<\/h2>\n<p id=\"p-ml40xwow-mbqry\">\u0625\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0627\u0644\u0641\u0639\u0651\u0627\u0644 \u064a\u062a\u0637\u0644\u0628 \u0631\u0624\u064a\u0629 \u0627\u0633\u062a\u0628\u0627\u0642\u064a\u0629 \u062a\u062d\u062f\u062f \u0623\u0648\u062c\u0647 \u0627\u0644\u0642\u0635\u0648\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629\u060c \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0645\u0646\u0647\u062c\u064a\u0627\u062a \u062d\u0648\u0643\u0645\u0629 \u0645\u0624\u0633\u0633\u064a\u0629 \u062a\u0636\u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0648\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629. \u0646\u062d\u0646 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627 \u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0646\u0631\u0649 \u0623\u0646 \u0627\u0644\u0641\u0635\u0644 \u0628\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0647\u0648 \u0627\u0644\u0645\u062f\u062e\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0644\u062a\u062f\u0647\u0648\u0631 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<h3 id=\"section-14\">1. \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a: \u062a\u062c\u0646\u0628 \u0647\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f<\/h3>\n<p id=\"p-ml40xwow-4np7g\">\u062a\u064f\u0638\u0647\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0623\u0646 \u063a\u064a\u0627\u0628 \u0627\u0644\u0623\u0637\u0631 \u0627\u0644\u062d\u0627\u0643\u0645\u0629 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0648\u0627\u0633\u062a\u0647\u0644\u0627\u0643 \u0648\u0642\u062a \u0625\u0636\u0627\u0641\u064a\u060c \u0645\u0645\u0627 \u064a\u0632\u064a\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 25%. \u0647\u0630\u0627 \u0627\u0644\u0627\u0631\u062a\u0641\u0627\u0639 \u0641\u064a \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u064a\u062f\u0648\u064a\u0629 \u064a\u062a\u0631\u062c\u0645 \u0645\u0628\u0627\u0634\u0631\u0629 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u0647\u062f\u0631 \u0644\u0644\u0645\u0648\u0627\u0631\u062f \u0642\u062f \u064a\u0635\u0644 \u0625\u0644\u0649 30%. \u0639\u0644\u0649 \u0627\u0644\u0646\u0642\u064a\u0636 \u0645\u0646 \u0630\u0644\u0643\u060c \u062a\u0636\u0645\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a (Process Streamlining) \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Efficiency) \u0639\u0628\u0631 \u0625\u0644\u063a\u0627\u0621 \u0627\u0644\u0627\u0632\u062f\u0648\u0627\u062c\u064a\u0629 \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0623\u0645\u062b\u0644 \u0644\u0644\u0645\u0648\u0627\u0631\u062f (Resource Allocation).<\/p>\n<h3 id=\"section-15\">2. \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a: \u062f\u0639\u0645 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629<\/h3>\n<p id=\"p-ml40xwow-uval3\">\u0641\u064a \u0632\u0645\u0646 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a\u060c \u064a\u064f\u0639\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 \u062e\u0637\u0623\u064b \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u064b \u064a\u064f\u0641\u0642\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 (Competitive Advantage). \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0641\u0634\u0644 \u0641\u064a \u062a\u0628\u0646\u064a \u0646\u0647\u062c \u0645\u062f\u0641\u0648\u0639 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (Data Driven) \u062a\u0641\u062a\u0642\u062f \u0631\u0624\u0649 \u0642\u062f \u062a\u0631\u0641\u0639 \u0645\u0646 \u0623\u062f\u0627\u0626\u0647\u0627 \u0628\u0646\u0633\u0628\u0629 40%. \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u062f\u0631 \u0628\u0640 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629\u060c \u062e\u0627\u0635\u0629 \u0641\u064a \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Financial Services Institutions)\u060c \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629.<\/p>\n<p id=\"p-ml40xwow-hewnt\">\u0627\u0644\u062d\u0644 \u064a\u0643\u0645\u0646 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u062d\u0648\u0643\u0645\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0642\u0648\u064a\u0629 \u062a\u062f\u0639\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a \u0648\u0627\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u064a (Oracle Machine Learning)\u060c \u0644\u0636\u0645\u0627\u0646 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629 (Increase Profitability) \u0648\u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a (Increase Revenue) \u0648\u062f\u0639\u0645 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a.<\/p>\n<h3 id=\"section-16\">3. \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644: \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0623\u0635\u0648\u0644 \u0648\u062a\u062c\u0646\u0628 \u0627\u0644\u063a\u0631\u0627\u0645\u0627\u062a<\/h3>\n<p id=\"p-ml40xwow-u5e9a\">\u064a\u064f\u0639\u062f \u0636\u0639\u0641 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0633\u0628\u0628\u0627\u064b \u0631\u0626\u064a\u0633\u064a\u0627\u064b \u0644\u0632\u064a\u0627\u062f\u0629 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 20%. \u0647\u0630\u0627 \u064a\u0639\u0631\u0636 \u0627\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech Companies) \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0629\u060c \u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0628\u0633\u0628\u0628 \u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a \u0627\u0644\u062a\u0648\u0627\u0641\u0642 \u0648\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0641\u0639\u0627\u0644\u0629.<\/p>\n<p id=\"p-ml40xwow-9njes\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 \u062a\u0636\u0645\u0646 \u0625\u062f\u0627\u0631\u0629 \u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 (Effective Risk Management) \u0648\u062a\u0648\u0627\u0641\u0642\u0627\u064b \u0644\u062d\u0638\u064a\u0627\u064b \u0645\u0639 \u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 (Regulatory Requirements)\u060c \u0645\u0645\u0627 \u064a\u062d\u0645\u064a \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 (Expense Reduction).<\/p>\n<h3 id=\"section-17\">4. \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629<\/h3>\n<p id=\"p-ml40xwow-s3ljw\">\u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0623\u062a\u0645\u062a\u0629 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 15% \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u064a\u0648\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0624\u062b\u0631 \u0633\u0644\u0628\u0627\u064b \u0639\u0644\u0649 \u062c\u0648\u062f\u0629 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0629 (Service Delivery) \u0648\u064a\u062e\u0641\u0636 \u0648\u0644\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (Customer Loyalty). \u0643\u0645\u0627 \u0623\u0646 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0636\u0648\u0627\u0628\u0637 \u062c\u064a\u062f\u0629 \u0644\u0645\u0646\u0639 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u0623\u0645\u0646\u064a\u0629 \u0642\u062f \u064a\u0631\u0641\u0639 \u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631.<\/p>\n<p id=\"p-ml40xwow-qm35b\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0633\u0644\u064a\u0645\u0629 \u062a\u0636\u0645\u0646 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Agility) \u0648\u062a\u0639\u0632\u064a\u0632 \u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (Customer Experiences) \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0627\u0644\u0639\u0645\u0644\u0627\u0621 (Customer Retention) \u0648\u064a\u062f\u0641\u0639 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0634\u062f\u064a\u062f \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 (Highly Competitive).<\/p>\n<h3 id=\"section-18\">\u0645\u0644\u062e\u0635 \u0627\u0644\u0641\u0631\u0648\u0642\u0627\u062a \u0628\u064a\u0646 \u063a\u064a\u0627\u0628 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629<\/h3>\n<p id=\"p-ml40xwow-yq5hz\">\u064a\u0648\u0636\u062d \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u062a\u0627\u0644\u064a \u0627\u0644\u0641\u0627\u0631\u0642 \u0627\u0644\u062c\u0648\u0647\u0631\u064a \u0641\u064a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0634\u064a\u062f\u0629 \u0648\u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u064a\u0647\u0627 \u0643\u0631\u0643\u064a\u0632\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645:<\/p>\n<table class=\"ak-article-table\">\n<thead>\n<tr>\n<th>\u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u0623\u062b\u064a\u0631<\/th>\n<th>\u063a\u064a\u0627\u0628 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0623\u0648 \u0636\u0639\u0641\u0647\u0627<\/th>\n<th>\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 (\u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/strong><\/td>\n<td>\u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u064a\u0633\u062a\u0647\u0644\u0643 \u0648\u0642\u062a\u064b\u0627 \u0623\u0643\u062b\u0631 \u0648\u064a\u0632\u064a\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0637\u0623 \u0628\u0646\u0633\u0628\u0629 25%.<\/td>\n<td><strong>\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/strong> \u0648<strong>\u062e\u0641\u0636 \u0627\u0644\u0646\u0641\u0642\u0627\u062a<\/strong> \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 30% \u0648\u062a\u062d\u0642\u064a\u0642 <strong>\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621<\/strong>.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0627\u0644\u0631\u0628\u062d\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong><\/td>\n<td>\u062e\u0633\u0627\u0626\u0631 \u062a\u0635\u0644 \u0625\u0644\u0649 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u062f\u0642\u064a\u0642\u0629.<\/td>\n<td><strong>\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629<\/strong> \u0648<strong>\u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a<\/strong> \u0639\u0628\u0631 <strong>\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0648\u0627\u0631\u062f<\/strong> \u0627\u0644\u0623\u0645\u062b\u0644 \u0648\u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0645\u062f\u0641\u0648\u0639 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/strong><\/td>\n<td>\u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u062a\u0635\u0644 \u0625\u0644\u0649 20%\u060c \u0648\u063a\u0631\u0627\u0645\u0627\u062a \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631.<\/td>\n<td><strong>\u0625\u062f\u0627\u0631\u0629 \u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631<\/strong> \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0644\u062d\u0638\u064a \u0644\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u0631\u0645\u0629.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0648\u0644\u0627\u0621<\/strong><\/td>\n<td>\u062a\u062c\u0627\u0631\u0628 \u0639\u0645\u0644\u0627\u0621 \u0631\u062f\u064a\u0626\u0629 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 <strong>\u0648\u0644\u0627\u0621 \u0627\u0644\u0639\u0645\u0644\u0627\u0621<\/strong> \u0648<strong>\u0627\u0644\u0627\u062d\u062a\u0641\u0627\u0638 \u0628\u0647\u0645<\/strong>.<\/td>\n<td><strong>\u062a\u062c\u0627\u0631\u0628 \u0639\u0645\u0644\u0627\u0621<\/strong> \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629 \u062a\u0639\u0632\u0632 <strong>\u062f\u0641\u0639 \u0627\u0644\u0646\u0645\u0648<\/strong> \u0648\u0627\u0644\u0648\u0644\u0627\u0621 \u0627\u0644\u0645\u0624\u0633\u0633\u064a.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 id=\"section-5\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 (\u0641\u0634\u0644 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a)<\/h2>\n<p id=\"p-ml40xwow-m7t4t\">\u0625\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u0628\u0646\u0649 \u0631\u0624\u064a\u0629 \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u062a\u062f\u0631\u0643 \u0623\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0644\u064a\u0633\u062a \u0645\u062c\u0631\u062f \u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629\u060c \u0628\u0644 \u0647\u064a \u0627\u0644\u0648\u0642\u0648\u062f \u0627\u0644\u0645\u062d\u0631\u0643 \u0644\u0644\u062a\u062d\u0648\u0644 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631. \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629 \u0628\u0634\u0643\u0644 \u0641\u0639\u0651\u0627\u0644 \u064a\u0639\u064a\u0642 \u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0627\u0644\u0631\u0628\u062d\u064a\u0629 \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a.<\/p>\n<p id=\"p-ml40xwow-1yeos\">\u062a\u0634\u064a\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0646\u0638\u0627\u0645 \u0634\u0627\u0645\u0644 \u0644\u0647\u0646\u062f\u0633\u0629 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0627\u0644\u0631\u0624\u0649 \u0627\u0644\u0643\u0627\u0641\u064a\u0629 \u0644\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621 \u0628\u0646\u0633\u0628\u0629 \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 40%\u060c \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u062f\u0631 \u0628\u0640 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629. \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u062f\u0627\u0639\u0645\u0629 \u0644\u0644\u0631\u0628\u062d\u064a\u0629\u060c \u064a\u062c\u0628 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a \u0648\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u0629 (Oracle Machine Learning).<\/p>\n<h3 id=\"section-19\">\u062a\u062c\u0646\u0628 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644: \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629<\/h3>\n<p id=\"p-ml40xwow-8f74l\">\u0625\u0646 \u0625\u0647\u0645\u0627\u0644 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u0639\u0631\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a\u060c \u0644\u0627 \u0633\u064a\u0645\u0627 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0644\u0645\u062e\u0627\u0637\u0631 \u062c\u0633\u064a\u0645\u0629. \u0636\u0639\u0641 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 20%\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0639\u0631\u0636\u0647\u0627 \u0644\u063a\u0631\u0627\u0645\u0627\u062a \u062a\u062a\u062c\u0627\u0648\u0632 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0623\u0645\u0631\u064a\u0643\u064a \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u0646\u062a\u0647\u0627\u0643\u0627\u062a \u0627\u0644\u062a\u0648\u0627\u0641\u0642. \u0636\u0645\u0627\u0646 \u0623\u0645\u0646 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0648\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 (Regulatory Requirements) \u0647\u0648 \u0623\u0633\u0627\u0633 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-q58ab\">\u0646\u062d\u0646 \u0646\u0648\u0635\u064a \u0628\u0636\u0631\u0648\u0631\u0629 \u062a\u0637\u0628\u064a\u0642 \u0647\u0646\u062f\u0633\u0629 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u064a\u062d \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0645\u062b\u0644 \u0633\u062d\u0627\u0628\u0629 \u0623\u0648\u0631\u0627\u0643\u0644 \u0644\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a (Oracle Analytics Cloud) \u0644\u0636\u0645\u0627\u0646 \u0623\u0646 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0629 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u062f\u0642\u064a\u0642\u0629 \u0648\u0645\u0648\u062b\u0648\u0642\u0629\u060c \u0645\u0645\u0627 \u064a\u062f\u0639\u0645 \u0646\u0647\u062c\u0627\u064b \u0642\u0627\u0626\u0645\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (Data-Driven Approach) \u0648\u064a\u0639\u0632\u0632 \u0627\u0644\u0645\u064a\u0632\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/p>\n<h2 id=\"section-6\">\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/h2>\n<p id=\"p-ml40xwow-ozukl\">\u0625\u0646 \u0627\u0644\u0633\u0639\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Efficiency) \u064a\u062a\u0637\u0644\u0628 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u062c\u0631\u062f \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0645\u0647\u0627\u0645 \u0627\u0644\u064a\u0648\u0645\u064a\u0629. \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u064a\u062f\u0648\u064a\u0629 \u0648\u0627\u0644\u062a\u0643\u0631\u0627\u0631 \u0641\u064a \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u064a\u0645\u062b\u0644\u0627\u0646 \u0627\u062e\u062a\u0646\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0631\u0641\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 30%. \u0643\u0645\u0627 \u0623\u0646 \u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062d\u0648\u0643\u0645\u0629 \u064a\u0632\u064a\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0637\u0623 \u0628\u0646\u0633\u0628\u0629 25%\u060c \u0645\u0645\u0627 \u064a\u0647\u062f\u062f \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u062e\u062f\u0645\u0629 \u0648\u064a\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0648\u0647\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f.<\/p>\n<p id=\"p-ml40xwow-3cwaa\">\u0627\u0644\u062d\u0644 \u064a\u0643\u0645\u0646 \u0641\u064a \u062a\u0637\u0628\u064a\u0642 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0648\u0645\u062e\u0627\u0637\u0631 \u0645\u0624\u062a\u0645\u062a\u0629 \u062a\u0636\u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0644\u062d\u0638\u064a \u0648\u062a\u0645\u0646\u0639 \u0627\u0644\u062b\u063a\u0631\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629. \u0646\u0639\u0645\u0644 \u0639\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635 \u0639\u0644\u0649 \u062a\u062d\u062f\u064a\u062f \u0627\u062e\u062a\u0646\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a (Bottleneck Identification) \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0644\u062d\u0638\u064a \u0644\u0644\u0623\u0646\u0638\u0645\u0629\u060c \u0645\u0645\u0627 \u064a\u0633\u0647\u0644 \u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a (Streamlining Operations) \u0648\u0627\u0644\u0642\u0636\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0631\u0627\u0631 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0642\u0635\u0649 \u0642\u062f\u0631 \u0645\u0646 \u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 (Cost Reduction).<\/p>\n<h3 id=\"section-20\">\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629<\/h3>\n<p id=\"p-ml40xwow-1naja\">\u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Agility)\u060c \u064a\u062c\u0628 \u062f\u0645\u062c \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0641\u064a \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629. \u0646\u062d\u0646 \u0646\u0633\u062a\u062e\u062f\u0645 \u062d\u0644\u0648\u0644 \u0627\u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u062a\u062d\u062a\u064a\u0629 \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 (OCI) \u0648\u0623\u062f\u0648\u0627\u062a \u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062b\u0644 (Oracle Data Integrator) \u0644\u0631\u0628\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0628\u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n<p id=\"p-ml40xwow-x8o9t\">\u0625\u0646 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 15% \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u064a\u0648\u064a\u0629\u060c \u0645\u0639 \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0631\u062a\u0641\u0627\u0639 \u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0641\u064a \u062d\u0627\u0644 \u063a\u064a\u0627\u0628 \u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0627\u0644\u0623\u0645\u0646\u064a\u0629 \u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062c\u064a\u062f\u0629. \u0647\u0630\u0627 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u0647\u0648 \u0645\u0627 \u064a\u0645\u0643\u0651\u0646 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Financial Services Institutions) \u0645\u0646 \u062a\u062d\u0642\u064a\u0642 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u0648\u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629 \u0628\u0641\u0639\u0627\u0644\u064a\u0629 \u0641\u064a \u0633\u0648\u0642 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (FinTech Companies) \u0627\u0644\u0646\u0634\u0637.<\/p>\n<p id=\"p-ml40xwow-wx00r\">\u0646\u062d\u0646 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627 \u0646\u0636\u0645\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0627\u0644\u0623\u062a\u0645\u062a\u0629 \u0644\u062f\u064a\u0646\u0627 \u0645\u062d\u0648\u0643\u0645\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644\u060c \u0645\u0645\u0627 \u064a\u0631\u0641\u0639 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0646\u0636\u062c \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0648\u064a\u0633\u0647\u0645 \u0645\u0628\u0627\u0634\u0631\u0629 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621 \u0648\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629.<\/p>\n<h2 id=\"section-7\">\u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627: \u0634\u0631\u064a\u0643\u0643 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a<\/h2>\n<p id=\"p-ml40xwow-vk5zx\">\u0646\u062d\u0646 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627 \u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0646\u0624\u0645\u0646 \u0628\u0623\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0634\u064a\u062f\u0629 \u0647\u064a \u0627\u0644\u0645\u062d\u0631\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629 \u0648\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645. \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u062f\u0648\u0631\u0646\u0627 \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629\u060c \u0628\u0644 \u0646\u0635\u064a\u063a \u0634\u0631\u0627\u0643\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u062a\u0631\u062a\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u062a\u0645\u0643\u064a\u0646\u060c \u0644\u0636\u0645\u0627\u0646 \u0623\u0646 \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0644\u062f\u064a\u0643 \u062a\u062a\u062c\u0627\u0648\u0632 \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0643\u0644\u064a \u0648\u062a\u0635\u0628\u062d \u0623\u062f\u0627\u0629 \u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u062f\u0641\u0639 \u0627\u0644\u0646\u0645\u0648 \u0648\u0627\u0644\u062a\u062d\u0648\u0644.<\/p>\n<h3 id=\"section-21\">\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u062d\u062f \u0645\u0646 \u0627\u0644\u0647\u062f\u0631 (Operational Efficiency)<\/h3>\n<p id=\"p-ml40xwow-om82o\">\u0625\u0646 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u064a\u0624\u062f\u064a \u0645\u0628\u0627\u0634\u0631\u0629 \u0625\u0644\u0649 \u0647\u062f\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0648\u0631\u0641\u0639 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0628\u0646\u0633\u0628 \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 30% \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062a\u0643\u0631\u0627\u0631 \u0648\u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u064a\u062f\u0648\u064a\u0629. \u0646\u062d\u0646 \u0646\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0645\u0639\u0645\u0642 \u0644\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0646\u0627 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0627\u062e\u062a\u0646\u0627\u0642\u0627\u062a (Bottleneck Identification) \u0648\u0627\u0644\u0642\u0636\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0631\u0627\u0631 (Eliminating Redundancy)\u060c \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a \u0636\u0645\u0627\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Efficiency) \u0648\u0627\u0644\u062d\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0632\u064a\u062f \u0628\u0646\u0633\u0628\u0629 25%.<\/p>\n<p id=\"p-ml40xwow-knmtc\">\u0645\u0646\u0647\u062c\u064a\u062a\u0646\u0627 \u0641\u064a \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629 \u062a\u0631\u0643\u0632 \u0639\u0644\u0649 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0645\u0639 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u062f\u0641\u0642\u0627\u064b \u0633\u0644\u0633\u0627\u064b \u0644\u0644\u0639\u0645\u0644 \u0648\u062a\u062e\u0641\u064a\u0636\u0627\u064b \u0645\u0644\u0645\u0648\u0633\u0627\u064b \u0641\u064a \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 (Cost Reduction). \u0647\u0630\u0627 \u0627\u0644\u0645\u0646\u0647\u062c \u064a\u0639\u0632\u0632 \u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 (Operational Agility) \u0648\u0627\u0644\u0642\u062f\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u064a\u0641 (Adaptability) \u0645\u0639 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0633\u0639\u0648\u062f\u064a.<\/p>\n<h3 id=\"section-22\">\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0627\u0644\u0645\u0631\u062a\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u0631\u0624\u0649<\/h3>\n<p id=\"p-ml40xwow-xmdlu\">\u0641\u064a \u0639\u0635\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629\u060c \u062a\u0641\u0642\u062f \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u062a\u062c\u0627\u0647\u0644 \u0627\u0644\u0645\u0646\u0647\u062c \u0627\u0644\u0642\u0627\u0626\u0645 \u0639\u0644\u0649 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a (Data Driven Approach) \u0631\u0624\u0649 \u062d\u064a\u0648\u064a\u0629 \u0642\u062f \u062a\u0631\u0641\u0639 \u0645\u0633\u062a\u0648\u0649 \u0623\u062f\u0627\u0626\u0647\u0627 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 40%. \u0646\u062d\u0646 \u0646\u062f\u0639\u0645 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Financial Institutions) \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 (Technology Companies) \u0641\u064a \u0628\u0646\u0627\u0621 \u0628\u0646\u064a\u0629 \u062a\u062d\u0644\u064a\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0645\u062a\u0643\u0627\u0645\u0644\u0629 (Data Analytics Architecture) \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062d\u0644\u0648\u0644 \u0645\u062a\u0637\u0648\u0631\u0629 \u0645\u062b\u0644 \u0645\u0633\u062a\u0648\u062f\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0623\u0648\u0631\u0627\u0643\u0644 \u0627\u0644\u0645\u0633\u062a\u0642\u0644 (Oracle Autonomous Data Warehouse) \u0648\u0623\u0648\u0631\u0627\u0643\u0644 \u0644\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0627\u0644\u0633\u062d\u0627\u0628\u064a\u0629 (Oracle Analytics Cloud).<\/p>\n<p id=\"p-ml40xwow-0oe2l\">\u0646\u062d\u0646 \u0646\u0636\u0645\u0646 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644\u060c \u0644\u062a\u062c\u0646\u0628 \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u062f\u0631 \u0628\u0640 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u062f\u0642\u064a\u0642\u0629\u060c \u0648\u0646\u0642\u0644\u0644 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 (Regulatory Compliance) \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0639\u0631\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0628\u0627\u0647\u0638\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631. \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u064a \u0646\u0642\u062f\u0645\u0647\u0627 \u062a\u0645\u0643\u0646 \u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0645\u0646 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0644\u0649 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 (Competitive Advantage) \u062d\u0642\u064a\u0642\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062f\u0639\u0645 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0625\u064a\u0631\u0627\u062f\u0627\u062a (Increase Revenue) \u0648\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0627\u0631\u0628 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (Customer Experiences).<\/p>\n<h3 id=\"section-23\">\u0627\u0644\u062a\u0632\u0627\u0645\u0646\u0627 \u062a\u062c\u0627\u0647 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u0629<\/h3>\n<p id=\"p-ml40xwow-qkgtd\">\u0646\u062d\u0646 \u0646\u0648\u0638\u0641 \u062e\u0628\u0631\u062a\u0646\u0627 \u0627\u0644\u0639\u0645\u064a\u0642\u0629 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (Financial Services) \u0648\u062d\u0644\u0648\u0644 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u0645\u062e\u062a\u0644\u0641 \u0627\u0644\u0642\u0637\u0627\u0639\u0627\u062a \u0639\u0628\u0631 \u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u0627\u0633\u062a\u0634\u0627\u0631\u064a\u0629 \u0627\u0633\u062a\u062b\u0646\u0627\u0626\u064a\u0629:<\/p>\n<ul>\n<ul>\n<li><strong>\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062d\u0643\u0648\u0645\u064a:<\/strong> \u0631\u0628\u0637 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0628\u0646\u0638\u0627\u0645 \u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062f\u0639\u0645 \u0645\u0633\u062a\u0647\u062f\u0641\u0627\u062a \u0631\u0624\u064a\u0629 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 2030\u060c \u0648\u0636\u0645\u0627\u0646 \u0627\u0644\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629.<\/li>\n<li><strong>\u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u062e\u0627\u0635:<\/strong> \u062a\u062d\u0642\u064a\u0642 \u0623\u0642\u0635\u0649 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0628\u0631 \u062a\u062d\u0633\u064a\u0646 \u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0648\u0627\u0631\u062f (Resource Allocation)\u060c \u0645\u0645\u0627 \u064a\u0642\u0648\u062f \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629 (Increase Profitability) \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645\u0629.<\/li>\n<li><strong>\u0627\u0644\u0642\u0637\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0631\u0628\u062d\u064a:<\/strong> \u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c \u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0636\u062d\u0629 \u0648\u0623\u062f\u0648\u0627\u062a \u0630\u0643\u064a\u0629 \u0644\u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062b\u0631 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a (Social Impact) \u0628\u062f\u0642\u0629\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 \u0627\u0644\u062b\u0642\u0629 \u0648\u064a\u062f\u0639\u0645 \u0646\u0645\u0648 \u0627\u0644\u062a\u0645\u0648\u064a\u0644.<\/li>\n<\/ul>\n<\/ul>\n<p id=\"p-ml40xwow-6b69h\">\u0646\u062d\u0646 \u0641\u064a \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627\u060c \u0634\u0631\u064a\u0643\u0643 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u060c \u0646\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u062e\u0628\u0631\u0629 \u0627\u0644\u0639\u0645\u064a\u0642\u0629 \u0648\u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0645\u0628\u062a\u0643\u0631\u0629 \u0644\u0646\u0635\u064a\u063a \u0645\u0633\u062a\u0642\u0628\u0644\u0627\u064b \u0631\u064a\u0627\u062f\u064a\u0627\u064b \u0644\u0623\u0639\u0645\u0627\u0644\u0643. \u0647\u062f\u0641\u0646\u0627 \u0644\u064a\u0633 \u0641\u0642\u0637 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0627\u0644\u062d\u062f \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0635\u0644 \u0625\u0644\u0649 \u0645\u0644\u064a\u0648\u0646 \u062f\u0648\u0644\u0627\u0631 \u0646\u062a\u064a\u062c\u0629 \u0636\u0639\u0641 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0628\u0644 \u062a\u062d\u0642\u064a\u0642 \u0646\u062a\u0627\u0626\u062c \u0645\u0644\u0645\u0648\u0633\u0629 \u062a\u0636\u0645\u0646 \u0644\u0643 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a \u0648\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0641\u064a \u0633\u0648\u0642 \u0634\u062f\u064a\u062f \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629 (Highly Competitive).<\/p>\n<p id=\"p-ml40xwow-ccpo0\">\u062f\u0639\u0646\u0627 \u0646\u0643\u0648\u0646 \u0627\u0644\u0645\u062d\u0631\u0643 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0646\u062c\u0627\u062d\u0643\u060c \u0639\u0628\u0631 \u062d\u0644\u0648\u0644 \u0645\u062a\u0643\u0627\u0645\u0644\u0629 \u062a\u0636\u0645\u0646 \u0644\u0643 \u0627\u0644\u062a\u0641\u0648\u0642 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a.<\/p>\n<h2 id=\"section-8\">\u0623\u0633\u0626\u0644\u0629 \u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 (FAQ)<\/h2>\n<h3 id=\"section-24\">\u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u062a\u062d\u0648\u0651\u0644 \u0625\u0644\u0649 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0634\u064a\u062f\u0629\u061f<\/h3>\n<p id=\"p-ml40xwow-eicmz\">\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 (Compliance) \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0645\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0648\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u062f\u0648\u0644\u064a\u0629\u060c \u0648\u0647\u0648 \u0636\u0631\u0648\u0631\u0629 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u062c\u0627\u0648\u0632\u0647\u0627. \u0644\u0643\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0631\u0634\u064a\u062f\u0629 \u062a\u062a\u062c\u0627\u0648\u0632 \u0647\u0630\u0627 \u0627\u0644\u062f\u0648\u0631 \u0627\u0644\u0634\u0643\u0644\u064a\u060c \u0641\u0647\u064a \u0627\u0644\u0625\u0637\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0627\u0644\u0630\u064a \u064a\u0648\u062c\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0629.<\/p>\n<p id=\"p-ml40xwow-bq1kn\">\u062a\u0647\u062f\u0641 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0625\u0644\u0649 \u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u0645\u0633\u0627\u0621\u0644\u0629 \u0648\u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629\u060c \u0648<strong>\u062f\u0641\u0639 \u0627\u0644\u0646\u0645\u0648<\/strong> \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u060c \u0648\u0636\u0645\u0627\u0646 <strong>\u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/strong>\u060c \u0648\u0627\u0644\u062a\u062d\u0648\u0644 \u0625\u0644\u0649 \u0625\u062f\u0627\u0631\u0629 \u0627\u0633\u062a\u0628\u0627\u0642\u064a\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631. \u0625\u0646\u0647\u0627 \u0627\u0644\u0645\u062d\u0648\u0631 \u0627\u0644\u0630\u064a \u064a\u0631\u0628\u0637 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0628\u0627\u0644\u062a\u0646\u0641\u064a\u0630\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 <strong>\u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong> \u0641\u064a \u0627\u0644\u0633\u0648\u0642 <strong>\u0634\u062f\u064a\u062f \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong>.<\/p>\n<h3 id=\"section-25\">\u0643\u064a\u0641 \u062a\u062d\u0642\u0642 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u062e\u0641\u0636\u0627\u064b \u0641\u0639\u0627\u0644\u0627\u064b \u0648\u0645\u0633\u062a\u062f\u0627\u0645\u0627\u064b \u0644\u0644\u0646\u0641\u0642\u0627\u062a\u061f<\/h3>\n<p id=\"p-ml40xwow-k2ks8\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0644\u064a\u0633\u062a \u062a\u0643\u0644\u0641\u0629 \u0625\u0636\u0627\u0641\u064a\u0629\u060c \u0628\u0644 \u0647\u064a \u0623\u062f\u0627\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0640 <strong>\u062e\u0641\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641<\/strong> \u0648<strong>\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629<\/strong> \u0639\u0628\u0631 \u062a\u062d\u0633\u064a\u0646 <strong>\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a<\/strong>. \u062a\u0628\u062f\u0623 \u0647\u0630\u0647 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0628\u0640 <strong>\u062a\u0628\u0633\u064a\u0637 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/strong> \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648<strong>\u0627\u0644\u0642\u0636\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u062a\u0643\u0631\u0627\u0631<\/strong>\u060c \u0645\u0645\u0627 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0647\u062f\u0631 \u0627\u0644\u0648\u0642\u062a \u0648\u0627\u0644\u0645\u0648\u0627\u0631\u062f.<\/p>\n<p id=\"p-ml40xwow-vgfqu\">\u062a\u0634\u064a\u0631 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0627\u0644\u064a\u062f\u0648\u064a\u0629 \u0648\u0639\u062f\u0645 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u062a\u0635\u0644 \u0625\u0644\u0649 30%. \u0643\u0645\u0627 \u0623\u0646 \u062a\u0643\u0631\u0627\u0631 \u0627\u0644\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u064a\u0633\u062a\u0647\u0644\u0643 \u0648\u0642\u062a\u0627\u064b \u0623\u0637\u0648\u0644 \u0648\u064a\u0632\u064a\u062f \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0637\u0623 \u0628\u0646\u0633\u0628\u0629 25%.<\/p>\n<p id=\"p-ml40xwow-c1gb6\">\u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u062d\u062f\u064a\u062f <strong>\u0627\u062e\u062a\u0646\u0627\u0642\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a<\/strong> \u0648\u062a\u062d\u0633\u064a\u0646 <strong>\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0648\u0627\u0631\u062f<\/strong>\u060c \u062a\u0636\u0645\u0646 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0627\u0644\u0642\u0635\u0648\u0649 \u0645\u0646 \u0643\u0644 \u0648\u062d\u062f\u0629 \u0625\u0646\u0641\u0627\u0642. \u0643\u0645\u0627 \u0623\u0646 <strong>\u0627\u0644\u0625\u062f\u0627\u0631\u0629 \u063a\u064a\u0631 \u0627\u0644\u0641\u0639\u0627\u0644\u0629 \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/strong> \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u062a\u0635\u0644 \u0625\u0644\u0649 15% \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0645\u0646\u0639 \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0647\u0630\u0647 \u0627\u0644\u062e\u0633\u0627\u0626\u0631\u060c \u0645\u0645\u0627 \u064a\u062d\u0642\u0642 <strong>\u062e\u0641\u0636 \u0627\u0644\u0646\u0641\u0642\u0627\u062a<\/strong> \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644 \u0648\u0645\u0633\u062a\u062f\u0627\u0645.<\/p>\n<h3 id=\"section-26\">\u0645\u0627 \u0647\u064a \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 \u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0641\u064a \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u061f<\/h3>\n<p id=\"p-ml40xwow-9iu9r\">\u062a\u0639\u062f \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0631\u0643\u064a\u0632\u0629 \u062d\u0627\u0633\u0645\u0629 \u0644\u0640 <strong>\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> (Financial Services Institutions). \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u062f\u0648\u0631\u0647\u0627 \u0639\u0644\u0649 \u0636\u0645\u0627\u0646 \u0623\u0645\u0627\u0646 <strong>\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621<\/strong> \u0648<strong>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629<\/strong>\u060c \u0628\u0644 \u0647\u064a \u0645\u062d\u0631\u0643 \u0644\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0646\u0645\u0648.<\/p>\n<p id=\"p-ml40xwow-c0l5u\">\u0625\u0646 <strong>\u062a\u062c\u0627\u0647\u0644 \u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong> \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u062a\u0646\u0634\u0623 \u0645\u0646 \u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0636\u0648\u0627\u0628\u0637 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 20%\u060c \u0645\u0645\u0627 \u064a\u0639\u0631\u0636 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0644\u063a\u0631\u0627\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0636\u062e\u0645\u0629. \u0643\u0645\u0627 \u0623\u0646 <strong>\u0639\u062f\u0645 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0634\u0643\u0644 \u0641\u0639\u0627\u0644<\/strong> \u064a\u062a\u0631\u0643 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u062a\u0641\u062a\u0642\u062f \u0644\u0644\u0631\u0624\u0649 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u0633\u0627\u0639\u062f \u0639\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 <strong>\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a<\/strong> \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 40%.<\/p>\n<p id=\"p-ml40xwow-jq054\">\u0646\u062d\u0646 \u0646\u0639\u0645\u0644 \u0639\u0644\u0649 \u062a\u0645\u0643\u064a\u0646 \u0639\u0645\u0644\u0627\u0626\u0646\u0627 \u0645\u0646 \u062a\u062d\u0648\u064a\u0644 <strong>\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0636\u062e\u0645\u0629<\/strong> \u0625\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0629 <strong>\u0645\u062f\u0641\u0648\u0639\u0629 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/strong> (Data Driven). \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0623\u062f\u0648\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0645\u062b\u0644 <strong>Oracle Analytics Cloud<\/strong> \u0648<strong>OCI Data Flow<\/strong> \u0644\u062a\u0637\u0648\u064a\u0631 \u0646\u0645\u0627\u0630\u062c <strong>\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a<\/strong> (Predictive Analytics) \u0648\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u0629 (Machine Learning)\u060c \u0645\u0645\u0627 \u064a\u0639\u0632\u0632 <strong>\u0627\u0644\u0642\u062f\u0631\u0629 \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629<\/strong> \u0641\u064a \u0645\u0648\u0627\u062c\u0647\u0629 <strong>\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong> (Fintech Companies).<\/p>\n<p id=\"p-ml40xwow-lgn8o\">\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u062a\u0642\u062f\u0631 \u0628\u0640 15% \u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0644\u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631\u0627\u062a \u063a\u064a\u0631 \u062f\u0642\u064a\u0642\u0629\u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u062a\u0637\u0628\u064a\u0642 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0628\u064a\u0627\u0646\u0627\u062a \u0642\u0648\u064a\u0629 \u0647\u0648 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0633\u0627\u0633\u064a \u0641\u064a <strong>\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629<\/strong> \u0648\u062a\u062d\u0633\u064a\u0646 <strong>\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621<\/strong>.<\/p>\n<h3 id=\"section-27\">\u0645\u0627 \u0647\u064a \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u063a\u064a\u0631 \u0627\u0644\u0631\u0628\u062d\u064a\u060c \u0648\u0645\u0627 \u062f\u0648\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0641\u064a\u0647\u0627\u061f<\/h3>\n<p id=\"p-ml40xwow-zqm1h\">\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0647\u064a \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u063a\u064a\u0631 \u0627\u0644\u0631\u0628\u062d\u064a\u0629 \u0639\u0644\u0649 \u0628\u0646\u0627\u0621 \u0646\u0645\u0627\u0630\u062c \u0625\u064a\u0631\u0627\u062f\u0627\u062a \u0645\u062a\u0646\u0648\u0639\u0629 \u0648\u0645\u0633\u062a\u0645\u0631\u0629 \u062a\u0636\u0645\u0646 \u062a\u063a\u0637\u064a\u0629 \u062a\u0643\u0627\u0644\u064a\u0641\u0647\u0627 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0648\u0628\u0631\u0627\u0645\u062c\u0647\u0627 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644\u060c \u0645\u062a\u062c\u0627\u0648\u0632\u0629 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0628\u0631\u0639\u0627\u062a \u0627\u0644\u0645\u0648\u0633\u0645\u064a\u0629.<\/p>\n<p id=\"p-ml40xwow-w5cj0\">\u062a\u062a\u0637\u0644\u0628 \u0647\u0630\u0647 \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629 \u0623\u0637\u0631 \u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0636\u062d\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0641\u064a \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0623\u0645\u0648\u0627\u0644\u060c \u0648\u062a\u0648\u062c\u064a\u0647 <strong>\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0648\u0627\u0631\u062f<\/strong> \u0628\u0643\u0641\u0627\u0621\u0629\u060c \u0648\u0627\u0644\u0623\u0647\u0645 \u0647\u0648 <strong>\u0642\u064a\u0627\u0633 \u0627\u0644\u0623\u062b\u0631 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a<\/strong> \u0628\u062f\u0642\u0629. \u0641\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u062a\u0645\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0645\u0646 \u062a\u062d\u0642\u064a\u0642 <strong>\u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a<\/strong> \u0648\u062a\u0637\u0648\u064a\u0631 \u0622\u0644\u064a\u0627\u062a <strong>\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0623\u062f\u0627\u0621<\/strong> \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 <strong>\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a<\/strong> \u0627\u0644\u0645\u062c\u062a\u0645\u0639\u064a\u0629 \u0627\u0644\u0647\u0627\u0645\u0629.<\/p>\n<\/div>\n<div class=\"katteb-references\">\n<h3 id=\"section-28\">References<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.oracle.com\/ae-ar\/data-platform\/financial-services-performance\/\" target=\"_blank\">\u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0643\u0641\u0627\u0621\u0629 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8211; Oracle<\/a><\/li>\n<li><a href=\"https:\/\/kwna.net\/2024\/07\/18\/60\/\" target=\"_blank\">60 \u062e\u0637\u0623 \u062c\u0633\u064a\u0645\u0627 \u062a\u0642\u0639 \u0628\u0647\u0627 \u0645\u062c\u0627\u0644\u0633 \u0627\u0644\u0625\u062f\u0627\u0631\u0629 &#8211; \u062e\u0627\u0644\u062f \u0627\u0644\u0634\u0631\u064a\u0639\u0629<\/a><\/li>\n<li><a href=\"https:\/\/bakkah.com\/ar\/knowledge-center\/%D9%85%D8%A8%D8%A7%D8%AF%D8%A6-%D8%A7%D9%84%D8%AD%D9%88%D9%83%D9%85%D8%A9\" target=\"_blank\">\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0635\u0639\u0648\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u062a\u0637\u0628\u064a\u0642\u0647\u0627 \u0648\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0646\u062f \u0639\u062f\u0645 &#8230;<\/a><\/li>\n<li><a href=\"https:\/\/www.facebook.com\/100064127196241\/posts\/%D8%A7%D9%84%D8%AD%D9%88%D9%83%D9%85%D8%A9-%D9%88%D8%A7%D9%84%D9%84%D9%88%D8%AC%D8%B3%D8%AA%D9%8A%D8%A7%D8%AA-%D9%88%D8%B3%D9%84%D8%A7%D8%B3%D9%84-%D8%A7%D9%84%D8%A5%D9%85%D8%AF%D8%A7%D8%AF%D8%A7%D9%84%D8%AD%D9%88%D9%83%D9%85%D8%A9-governance-%D8%AA%D8%B9%D8%AF-%D8%A7%D9%84%D8%AD%D9%88%D9%83%D9%85%D8%A9-governance-%D8%A3%D8%AD%D8%AF-\/1299428908871337\/\" target=\"_blank\">\u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0648\u0627\u0644\u0644\u0648\u062c\u0633\u062a\u064a\u0627\u062a \u0648\u0633\u0644\u0627\u0633\u0644 \u0627\u0644\u0625\u0645\u062f\u0627\u062f \u0627\u0644\u062d\u0648\u0643\u0645\u0629 (Governance &#8230; &#8211; Facebook<\/a><\/li>\n<li><a href=\"https:\/\/iefpedia.com\/arab\/wp-content\/uploads\/2011\/07\/%D8%AD%D9%88%D9%83%D9%85%D8%A9-%D8%A7%D9%84%D8%B4%D8%B1%D9%83%D8%A7%D8%AA1.pdf\" target=\"_blank\">[PDF] \ufea3\u0640\ufeee\ufedb\ufee4\u0640\ufe94 \ufe8d\ufedf\ufeb8\u0640\ufeae\ufedb\u0640\ufe8e\ufe95 \ufeed \ufea9\ufeed\ufead \ufcce\ufee0\ufeb2 \ufe8d\ufef9\ufea9\ufe8d\ufead\ufe93<\/a><\/li>\n<\/ul>\n<\/div>\n<div class=\"katteb-cta-block\" data-cta-id=\"66\">\n<h3 id=\"section-29\">Ready to get started?<\/h3>\n<p id=\"p-ml40xwow-9rv57\">Join thousands of satisfied customers today.<\/p>\n<p>                <a href=\"#\" target=\"_blank\" rel=\"noopener\">Click Here<\/a>\n            <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Table of Contents \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0648\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0643\u0644\u064a \u0625\u0644\u0649 \u0645\u062d\u0631\u0643 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0642\u0627\u062a\u0644\u0629 \u0641\u064a \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629: \u0643\u064a\u0641 \u062a\u062d\u0648\u0644 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0625\u0644\u0649 \u062a\u0645\u064a\u0651\u0632 \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 (\u0641\u0634\u0644 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a) \u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627: \u0634\u0631\u064a\u0643\u0643 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\u0625\u0644\u0649 \u062a\u0645\u064a\u0651\u0632\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 (\u0641\u0634\u0644 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a)\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627: \u0634\u0631\u064a\u0643\u0643 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 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\u0648\u0627\u0644\u0631\u0628\u062d\u064a\u0629. - \u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627","twitter:description":"Table of Contents \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629: \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0648\u0627\u0644\u0646\u0645\u0648\u0627\u0644\u062d\u0648\u0643\u0645\u0629: \u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0634\u0643\u0644\u064a \u0625\u0644\u0649 \u0645\u062d\u0631\u0643 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062e\u0645\u0633\u0629 \u0627\u0644\u0642\u0627\u062a\u0644\u0629 \u0641\u064a \u0623\u0637\u0631 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0629\u0645\u0642\u0627\u0631\u0646\u0629 \u062a\u062d\u0644\u064a\u0644\u064a\u0629: \u0643\u064a\u0641 \u062a\u062d\u0648\u0644 \u0627\u0644\u062d\u0648\u0643\u0645\u0629 \u0627\u0644\u0645\u064f\u0645\u064e\u0623\u0633\u0633\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0625\u0644\u0649 \u062a\u0645\u064a\u0651\u0632\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0646\u064a: \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0643\u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u062f\u0629 (\u0641\u0634\u0644 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u062a\u0646\u0628\u0624\u064a)\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u062b\u0627\u0644\u062b: \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u062f\u0648\u0646 \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0648\u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0643\u0648\u0646\u0633\u0648\u0644\u062a\u064a\u0641\u0627: \u0634\u0631\u064a\u0643\u0643 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a \u0644\u062a\u062d\u0642\u064a\u0642 \u0627\u0644\u062a\u0645\u064a\u0632 \u0627\u0644\u0645\u0624\u0633\u0633\u064a\u0623\u0633\u0626\u0644\u0629 \u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644","twitter:creator":"@cbs2030","twitter:image":"https:\/\/consultiva.sa\/wp-content\/uploads\/2025\/12\/image-2025-12-29T204626.565.webp"},"aioseo_meta_data":{"post_id":"521","title":null,"description":null,"keywords":null,"keyphrases":{"focus":{"keyphrase":"","score":0,"analysis":{"keyphraseInTitle":{"score":0,"maxScore":9,"error":1}}},"additional":[]},"primary_term":null,"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":false,"twitter_card":"default","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"breadcrumb_settings":null,"limit_modified_date":false,"ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2026-02-01 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