{"id":206,"date":"2026-09-05T12:59:34","date_gmt":"2026-09-05T12:59:34","guid":{"rendered":"https:\/\/tadabirpishran.ir\/?p=206"},"modified":"2026-09-05T12:59:39","modified_gmt":"2026-09-05T12:59:39","slug":"%d8%a2%db%8c%d9%86%d8%af%d9%87-%d8%b4%d8%b1%da%a9%d8%aa%d9%87%d8%a7%db%8c-%d9%84%db%8c%d8%b2%db%8c%d9%86%da%af%d8%9b-%d8%a7%d8%b2-%d9%88%d8%a7%d8%b3%d9%be%d8%a7%d8%b1%db%8c-%d8%af%d8%a7%d8%b1","status":"publish","type":"post","link":"https:\/\/tadabirpishran.ir\/?p=206","title":{"rendered":"\u0622\u06cc\u0646\u062f\u0647 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af\u061b \u0627\u0632 \u0648\u0627\u0633\u067e\u0627\u0631\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc \u062a\u0627 \u067e\u0644\u062a\u0641\u0631\u0645 \u0647\u0648\u0634\u0645\u0646\u062f \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062c\u0647\u0627\u0646 \u062f\u0631 \u0646\u0642\u0637\u0647\u200c\u0627\u06cc \u0642\u0631\u0627\u0631 \u06af\u0631\u0641\u062a\u0647 \u0627\u0633\u062a \u06a9\u0647 \u062f\u06cc\u06af\u0631 \u0646\u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u06cc\u0646\u062f\u0647 \u0622\u0646 \u0631\u0627 \u0635\u0631\u0641\u0627\u064b \u0628\u0627 \u0634\u0627\u062e\u0635\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u062d\u062c\u0645 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u060c \u062a\u0639\u062f\u0627\u062f \u062e\u0648\u062f\u0631\u0648\u0647\u0627\u06cc \u0648\u0627\u06af\u0630\u0627\u0631\u0634\u062f\u0647 \u06cc\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u06a9\u0631\u062f. \u06af\u0632\u0627\u0631\u0634\u200c\u0647\u0627 \u0648 \u0645\u0637\u0627\u0644\u0639\u0627\u062a \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0645\u0634\u0627\u0648\u0631\u0647 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062d\u0627\u0644 \u0639\u0628\u0648\u0631 \u0627\u0632 \u0645\u062f\u0644 \u0633\u0646\u062a\u06cc \u00ab\u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062e\u0631\u06cc\u062f \u062f\u0627\u0631\u0627\u06cc\u06cc\u00bb \u0628\u0647 \u0633\u0645\u062a \u062a\u0631\u06a9\u06cc\u0628\u06cc \u0627\u0632 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\u060c \u062e\u062f\u0645\u0627\u062a\u060c \u062f\u0627\u062f\u0647\u060c \u0645\u062f\u06cc\u0631\u06cc\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0648 \u062a\u062c\u0631\u0628\u0647 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0645\u0634\u062a\u0631\u06cc \u0627\u0633\u062a (McKinsey &amp; Company, 2020, 2023, 2025).<\/strong><\/h4>\n\n\n\n<h3 class=\"wp-block-heading\">\u062a\u063a\u06cc\u06cc\u0631 \u0645\u0627\u0647\u06cc\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062c\u0647\u0627\u0646<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0647\u0645\u200c\u062a\u0631\u06cc\u0646 \u0631\u0648\u0646\u062f\u0647\u0627\u06cc \u0635\u0646\u0639\u062a\u060c \u062a\u063a\u06cc\u06cc\u0631 \u062a\u062f\u0631\u06cc\u062c\u06cc \u0627\u0632 <strong>\u0645\u0627\u0644\u06a9\u06cc\u062a (Ownership) \u0628\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 (Usership)<\/strong> \u0627\u0633\u062a. McKinsey \u0645\u0639\u062a\u0642\u062f \u0627\u0633\u062a \u062a\u063a\u06cc\u06cc\u0631 \u0631\u0641\u062a\u0627\u0631 \u0645\u0634\u062a\u0631\u06cc\u060c \u062a\u0645\u0627\u06cc\u0644 \u0628\u0647 \u0627\u0646\u0639\u0637\u0627\u0641\u200c\u067e\u0630\u06cc\u0631\u06cc \u0628\u06cc\u0634\u062a\u0631 \u0648 \u062a\u062d\u0648\u0644 \u0641\u0646\u0627\u0648\u0631\u06cc\u060c \u0645\u0631\u0632 \u0645\u06cc\u0627\u0646 \u062e\u0631\u06cc\u062f\u060c \u0627\u062c\u0627\u0631\u0647\u060c \u0644\u06cc\u0632\u06cc\u0646\u06af \u0648 \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u0627\u0634\u062a\u0631\u0627\u06a9\u06cc \u0631\u0627 \u062f\u0631 \u062d\u0627\u0644 \u062a\u063a\u06cc\u06cc\u0631 \u0642\u0631\u0627\u0631 \u062f\u0627\u062f\u0647 \u0627\u0633\u062a (McKinsey &amp; Company, 2020, 2023). \u062f\u0631 \u0627\u06cc\u0646 \u0634\u0631\u0627\u06cc\u0637\u060c \u0645\u0634\u062a\u0631\u06cc \u0628\u06cc\u0634 \u0627\u0632 \u06af\u0630\u0634\u062a\u0647 \u0628\u0647 \u062c\u0627\u06cc \u0627\u06cc\u0646\u06a9\u0647 \u0635\u0631\u0641\u0627\u064b \u00ab\u062f\u0627\u0631\u0627\u06cc\u06cc\u00bb \u062e\u0631\u06cc\u062f\u0627\u0631\u06cc \u06a9\u0646\u062f\u060c \u0628\u0647 \u062f\u0646\u0628\u0627\u0644 <strong>\u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u06cc\u06a9 \u062e\u062f\u0645\u062a \u0628\u0627 \u0647\u0632\u06cc\u0646\u0647 \u0642\u0627\u0628\u0644 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc<\/strong> \u0627\u0633\u062a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BCG \u0646\u06cc\u0632 \u062f\u0631 \u0628\u0631\u0631\u0633\u06cc \u0628\u0627\u0632\u0627\u0631 \u0627\u0634\u062a\u0631\u0627\u06a9 \u062e\u0648\u062f\u0631\u0648 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 subscription \u0631\u0627 \u0646\u0628\u0627\u06cc\u062f \u0645\u062d\u0635\u0648\u0644\u06cc \u06a9\u0627\u0645\u0644\u0627\u064b \u062c\u062f\u0627 \u0627\u0632 \u062e\u0631\u06cc\u062f \u0648 \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0627\u0646\u0633\u062a\u061b \u0628\u0644\u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u0646 \u0631\u0627 \u0646\u0642\u0637\u0647\u200c\u0627\u06cc \u062f\u0631 \u0637\u06cc\u0641 \u0645\u0627\u0644\u06a9\u06cc\u062a \u0648 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u062e\u0648\u062f\u0631\u0648 \u062a\u0644\u0642\u06cc \u06a9\u0631\u062f. \u0627\u0632 \u0627\u06cc\u0646 \u0645\u0646\u0638\u0631\u060c \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0645\u0648\u0641\u0642 \u0622\u06cc\u0646\u062f\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u062e\u0631\u06cc\u062f\u060c \u0644\u06cc\u0632\u06cc\u0646\u06af\u060c \u0627\u0634\u062a\u0631\u0627\u06a9 \u0648 \u0641\u0631\u0648\u0634 \u062e\u0648\u062f\u0631\u0648\u0647\u0627\u06cc \u06a9\u0627\u0631\u06a9\u0631\u062f\u0647 \u0631\u0627 \u062f\u0631 \u06cc\u06a9 \u0627\u06a9\u0648\u0633\u06cc\u0633\u062a\u0645 \u0648\u0627\u062d\u062f \u062a\u0631\u06a9\u06cc\u0628 \u06a9\u0646\u0646\u062f (Boston Consulting Group [BCG], 2023).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u062a\u062d\u0648\u0644 \u0628\u0631\u0627\u06cc \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u06cc\u06a9 \u067e\u06cc\u0627\u0645 \u0631\u0648\u0634\u0646 \u062f\u0627\u0631\u062f: <strong>\u0631\u0642\u0627\u0628\u062a \u0622\u06cc\u0646\u062f\u0647 \u0635\u0631\u0641\u0627\u064b \u0628\u0631 \u0633\u0631 \u0646\u0631\u062e \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0646\u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f\u061b \u0628\u0644\u06a9\u0647 \u0628\u0631 \u0633\u0631 \u062a\u062c\u0631\u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u060c \u0633\u0631\u0639\u062a \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc\u060c \u06a9\u06cc\u0641\u06cc\u062a \u062f\u0627\u062f\u0647\u060c \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9 \u0648 \u062e\u062f\u0645\u0627\u062a \u0647\u0645\u0631\u0627\u0647 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u0648 \u0647\u0648\u0634 \u0645\u0635\u0646\u0648\u0639\u06cc\u061b \u0645\u0648\u062a\u0648\u0631 \u0646\u0633\u0644 \u0628\u0639\u062f\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey \u062f\u0631 \u0645\u0637\u0627\u0644\u0639\u0647 \u062c\u062f\u06cc\u062f \u062e\u0648\u062f \u062f\u0631\u0628\u0627\u0631\u0647 Agentic AI \u062f\u0631 \u0635\u0646\u0639\u062a \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062e\u0648\u062f\u0631\u0648\u060c \u0635\u0646\u0639\u062a \u0631\u0627 \u0628\u0647 \u062f\u0644\u06cc\u0644 \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u067e\u06cc\u0686\u06cc\u062f\u0647\u060c \u062f\u0627\u062f\u0647\u200c\u0647\u0627\u06cc \u067e\u0631\u0627\u06a9\u0646\u062f\u0647 \u0648 \u062d\u062c\u0645 \u0628\u0627\u0644\u0627\u06cc \u0641\u0639\u0627\u0644\u06cc\u062a\u200c\u0647\u0627\u06cc \u062f\u0633\u062a\u06cc\u060c \u062f\u0627\u0631\u0627\u06cc \u0638\u0631\u0641\u06cc\u062a \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647 \u0628\u0631\u0627\u06cc \u062a\u062d\u0648\u0644 \u0647\u0648\u0634 \u0645\u0635\u0646\u0648\u0639\u06cc \u0645\u06cc\u200c\u062f\u0627\u0646\u062f. \u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a \u0686\u0647\u0627\u0631 \u062d\u0648\u0632\u0647 \u0627\u0635\u0644\u06cc \u06a9\u0627\u0631\u0628\u0631\u062f \u0639\u0627\u0645\u0644\u200c\u0647\u0627\u06cc \u0647\u0648\u0634\u0645\u0646\u062f \u0631\u0627 \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f: <strong>\u0641\u0631\u0648\u0634 \u0648 \u0642\u06cc\u0645\u062a\u200c\u06af\u0630\u0627\u0631\u06cc\u060c \u062e\u062f\u0645\u0627\u062a \u0648 \u0639\u0645\u0644\u06cc\u0627\u062a\u060c \u0628\u0627\u0632\u0627\u0631\u06cc\u0627\u0628\u06cc \u0645\u062c\u062f\u062f \u062f\u0627\u0631\u0627\u06cc\u06cc \u0648 \u0628\u0647\u06cc\u0646\u0647\u200c\u0633\u0627\u0632\u06cc \u0632\u0646\u062c\u06cc\u0631\u0647 \u0627\u0631\u0632\u0634<\/strong> (McKinsey &amp; Company, 2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0647\u0645\u06cc\u062a \u0627\u06cc\u0646 \u062a\u062d\u0648\u0644 \u062a\u0646\u0647\u0627 \u062f\u0631 \u06a9\u0627\u0647\u0634 \u0647\u0632\u06cc\u0646\u0647 \u0646\u06cc\u0633\u062a. AI \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647 \u0634\u0631\u06a9\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u06a9\u0645\u06a9 \u06a9\u0646\u062f \u062a\u0627 \u0628\u0631\u0627\u06cc \u0647\u0631 \u0645\u0634\u062a\u0631\u06cc\u060c <strong>\u0627\u062d\u062a\u0645\u0627\u0644 \u0646\u06a9\u0648\u0644\u060c \u0638\u0631\u0641\u06cc\u062a \u0628\u0627\u0632\u067e\u0631\u062f\u0627\u062e\u062a\u060c \u0645\u062d\u0635\u0648\u0644 \u0645\u0646\u0627\u0633\u0628\u060c \u0642\u06cc\u0645\u062a \u0645\u0646\u0627\u0633\u0628 \u0648 \u062d\u062a\u06cc \u0632\u0645\u0627\u0646 \u0645\u0646\u0627\u0633\u0628 \u0628\u0631\u0627\u06cc \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u062c\u062f\u062f<\/strong> \u0631\u0627 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u06a9\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0632 \u0633\u0648\u06cc \u062f\u06cc\u06af\u0631\u060c McKinsey \u062f\u0631 \u0645\u0637\u0627\u0644\u0639\u0647 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0627\u0631\u0632\u0634 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u062e\u0648\u062f\u0631\u0648 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0645\u062f\u0644\u200c\u0647\u0627\u06cc \u062a\u062d\u0644\u06cc\u0644\u06cc \u0648 \u06cc\u0627\u062f\u06af\u06cc\u0631\u06cc \u0645\u0627\u0634\u06cc\u0646 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u062f\u0642\u062a \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0627\u0631\u0632\u0634 \u0622\u062a\u06cc \u062e\u0648\u062f\u0631\u0648 \u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u062f\u0647\u0646\u062f \u0648 \u0628\u0647 \u0634\u0631\u06a9\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u0645\u06a9\u0627\u0646 \u062f\u0647\u0646\u062f \u0627\u0631\u0632\u0634 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u0631\u0627 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0645\u0633\u062a\u0645\u0631 \u0628\u0647\u200c\u0631\u0648\u0632\u0631\u0633\u0627\u0646\u06cc \u06a9\u0646\u062f (McKinsey &amp; Company, 2023). \u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u0627\u0647\u0645\u06cc\u062a \u0632\u06cc\u0627\u062f\u06cc \u062f\u0627\u0631\u062f\u060c \u0632\u06cc\u0631\u0627 \u0633\u0648\u062f\u0622\u0648\u0631\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0641\u0642\u0637 \u0628\u0647 \u062f\u0631\u06cc\u0627\u0641\u062a \u0627\u0642\u0633\u0627\u0637 \u0648\u0627\u0628\u0633\u062a\u0647 \u0646\u06cc\u0633\u062a\u061b <strong>\u0627\u0631\u0632\u0634 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062f\u0631 \u0632\u0645\u0627\u0646 \u062e\u0631\u0648\u062c \u0627\u0632 \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0646\u06cc\u0632 \u0628\u062e\u0634 \u0645\u0647\u0645\u06cc \u0627\u0632 \u0627\u0642\u062a\u0635\u0627\u062f \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0627\u0633\u062a.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0645\u062f\u06cc\u0631\u06cc\u062a \u0627\u0631\u0632\u0634 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647\u061b \u0642\u0627\u0628\u0644\u06cc\u062a \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc\u06a9 \u0622\u06cc\u0646\u062f\u0647<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06cc\u06a9\u06cc \u0627\u0632 \u062a\u0641\u0627\u0648\u062a\u200c\u0647\u0627\u06cc \u0645\u0647\u0645 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u067e\u06cc\u0634\u0631\u0641\u062a\u0647 \u0628\u0627 \u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0633\u0646\u062a\u06cc\u060c \u062a\u0648\u0627\u0646\u0627\u06cc\u06cc \u0622\u0646\u0647\u0627 \u062f\u0631 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0686\u0631\u062e\u0647 \u0639\u0645\u0631 \u062f\u0627\u0631\u0627\u06cc\u06cc \u0627\u0633\u062a. McKinsey \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0639\u0644\u0627\u0648\u0647 \u0628\u0631 \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0645\u0634\u062a\u0631\u06cc\u060c \u0628\u0631\u0627\u06cc \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0627\u0631\u0632\u0634 \u062f\u0627\u0631\u0627\u06cc\u06cc\u060c \u0645\u062f\u06cc\u0631\u06cc\u062a \u067e\u0631\u062a\u0641\u0648\u06cc\u060c \u0642\u06cc\u0645\u062a\u200c\u06af\u0630\u0627\u0631\u06cc \u0645\u062c\u062f\u062f \u0648 \u0641\u0631\u0648\u0634 \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u06cc \u0628\u0631\u06af\u0634\u062a\u06cc \u0646\u06cc\u0632 \u0642\u0627\u0628\u0644\u06cc\u062a\u200c\u0647\u0627\u06cc \u062a\u062d\u0644\u06cc\u0644\u06cc \u0627\u06cc\u062c\u0627\u062f \u06a9\u0646\u0646\u062f (McKinsey &amp; Company, 2023).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646\u060c \u0644\u06cc\u0632\u06cc\u0646\u06af \u0622\u06cc\u0646\u062f\u0647 \u0641\u0642\u0637 \u06cc\u06a9 <strong>Lender<\/strong> \u0646\u06cc\u0633\u062a\u061b \u0628\u0644\u06a9\u0647 \u062a\u0627 \u062d\u062f\u0648\u062f\u06cc \u06cc\u06a9 <strong>Asset Manager<\/strong> \u0646\u06cc\u0632 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u062a\u063a\u06cc\u06cc\u0631 \u062f\u0631 \u0635\u0646\u0639\u062a \u062e\u0648\u062f\u0631\u0648 \u0627\u0647\u0645\u06cc\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u062f\u0627\u0631\u062f\u060c \u0632\u06cc\u0631\u0627 \u062a\u062d\u0648\u0644 \u062e\u0648\u062f\u0631\u0648\u0647\u0627\u06cc \u0628\u0631\u0642\u06cc\u060c \u062a\u063a\u06cc\u06cc\u0631 \u0641\u0646\u0627\u0648\u0631\u06cc\u060c \u062a\u063a\u06cc\u06cc\u0631 \u0642\u06cc\u0645\u062a \u062e\u0648\u062f\u0631\u0648\u0647\u0627\u06cc \u06a9\u0627\u0631\u06a9\u0631\u062f\u0647 \u0648 \u0648\u0631\u0648\u062f \u0628\u0631\u0646\u062f\u0647\u0627\u06cc \u062c\u062f\u06cc\u062f \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0631\u06cc\u0633\u06a9 \u0627\u0631\u0632\u0634 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u062f\u0647\u062f. McKinsey \u062f\u0631 \u0645\u0637\u0627\u0644\u0639\u0647 \u062c\u062f\u06cc\u062f\u062a\u0631 \u062e\u0648\u062f \u0646\u06cc\u0632 \u0628\u0631 \u062a\u0646\u0648\u0639\u200c\u0628\u062e\u0634\u06cc \u067e\u0631\u062a\u0641\u0648\u06cc\u060c \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0628\u0627\u0632\u062e\u0631\u06cc\u062f \u0628\u0627 \u062a\u0648\u0644\u06cc\u062f\u06a9\u0646\u0646\u062f\u06af\u0627\u0646 \u0648 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0645\u062f\u0644\u200c\u0647\u0627\u06cc AI \u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u06cc\u062a \u0627\u06cc\u0646 \u0631\u06cc\u0633\u06a9 \u062a\u0623\u06a9\u06cc\u062f \u06a9\u0631\u062f\u0647 \u0627\u0633\u062a (McKinsey &amp; Company, 2024).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Embedded Finance\u061b \u062a\u0647\u062f\u06cc\u062f \u062c\u062f\u06cc\u062f \u0628\u0631\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0633\u0646\u062a\u06cc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u06cc\u06a9\u06cc \u062f\u06cc\u06af\u0631 \u0627\u0632 \u062a\u062d\u0648\u0644\u0627\u062a \u0645\u0647\u0645\u060c \u0638\u0647\u0648\u0631 <strong>Embedded Finance<\/strong> \u0627\u0633\u062a. \u062f\u0631 \u0627\u06cc\u0646 \u0645\u062f\u0644\u060c \u0645\u0634\u062a\u0631\u06cc \u0644\u0632\u0648\u0645\u0627\u064b \u0628\u0631\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0628\u0647 \u0634\u0631\u06a9\u062a \u0645\u0627\u0644\u06cc \u0645\u0631\u0627\u062c\u0639\u0647 \u0646\u0645\u06cc\u200c\u06a9\u0646\u062f\u061b \u0628\u0644\u06a9\u0647 \u0647\u0646\u06af\u0627\u0645 \u062e\u0631\u06cc\u062f \u062e\u0648\u062f\u0631\u0648\u060c \u062a\u062c\u0647\u06cc\u0632\u0627\u062a \u06cc\u0627 \u06a9\u0627\u0644\u0627\u060c \u067e\u06cc\u0634\u0646\u0647\u0627\u062f \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0631\u0627 \u0647\u0645\u0627\u0646\u200c\u062c\u0627 \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u062a\u062d\u0648\u0644 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062c\u0627\u06cc\u06af\u0627\u0647 \u0633\u0646\u062a\u06cc \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0631\u0627 \u062a\u0647\u062f\u06cc\u062f \u06a9\u0646\u062f. \u0627\u06af\u0631 \u06cc\u06a9 \u062e\u0648\u062f\u0631\u0648\u0633\u0627\u0632\u060c \u0641\u0631\u0648\u0634\u06af\u0627\u0647\u060c \u067e\u0644\u062a\u0641\u0631\u0645 \u062a\u062c\u0627\u0631\u062a \u0627\u0644\u06a9\u062a\u0631\u0648\u0646\u06cc\u06a9\u06cc \u06cc\u0627 \u0641\u06cc\u0646\u200c\u062a\u06a9 \u0628\u062a\u0648\u0627\u0646\u062f \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0631\u0627 \u062f\u0631 \u0646\u0642\u0637\u0647 \u0641\u0631\u0648\u0634 \u0627\u0631\u0627\u0626\u0647 \u06a9\u0646\u062f\u060c \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0645\u0634\u062a\u0631\u06cc \u062f\u06cc\u06af\u0631 \u0634\u0631\u06a9\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0631\u0627 \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u0646\u0642\u0637\u0647 \u062a\u0645\u0627\u0633 \u0627\u0635\u0644\u06cc \u062e\u0648\u062f \u0646\u0634\u0646\u0627\u0633\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0632 \u0627\u06cc\u0646 \u0645\u0646\u0638\u0631\u060c \u0622\u06cc\u0646\u062f\u0647 \u0644\u06cc\u0632\u06cc\u0646\u06af \u0628\u0647\u200c\u0634\u062f\u062a \u0628\u0647 <strong>\u0645\u0634\u0627\u0631\u06a9\u062a \u0628\u0627 \u062a\u0648\u0644\u06cc\u062f\u06a9\u0646\u0646\u062f\u06af\u0627\u0646\u060c \u0641\u0631\u0648\u0634\u0646\u062f\u06af\u0627\u0646\u060c \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u060c \u0641\u06cc\u0646\u200c\u062a\u06a9\u200c\u0647\u0627 \u0648 \u067e\u0644\u062a\u0641\u0631\u0645\u200c\u0647\u0627\u06cc \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644<\/strong> \u0648\u0627\u0628\u0633\u062a\u0647 \u062e\u0648\u0627\u0647\u062f \u0628\u0648\u062f.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u0648\u0636\u0639\u06cc\u062a \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u0634\u0631\u0627\u06cc\u0637 \u0627\u06cc\u0631\u0627\u0646 \u0627\u0644\u0628\u062a\u0647 \u0628\u0627 \u0627\u0631\u0648\u067e\u0627 \u0648 \u0622\u0645\u0631\u06cc\u06a9\u0627 \u062a\u0641\u0627\u0648\u062a \u062c\u062f\u06cc \u062f\u0627\u0631\u062f. \u0628\u0627\u0632\u0627\u0631 \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646 \u0647\u0646\u0648\u0632 \u0627\u0632 \u0646\u0638\u0631 \u0639\u0645\u0642\u060c \u0627\u0646\u062f\u0627\u0632\u0647 \u0648 \u062a\u0646\u0648\u0639 \u0645\u062d\u0635\u0648\u0644 \u0641\u0627\u0635\u0644\u0647 \u0632\u06cc\u0627\u062f\u06cc \u0628\u0627 \u0628\u0627\u0632\u0627\u0631\u0647\u0627\u06cc \u067e\u06cc\u0634\u0631\u0641\u062a\u0647 \u062f\u0627\u0631\u062f\u061b \u0627\u0645\u0627 \u0647\u0645\u06cc\u0646 \u0639\u0642\u0628\u200c\u0645\u0627\u0646\u062f\u06af\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647 \u0641\u0631\u0635\u062a\u06cc \u0628\u0631\u0627\u06cc \u062c\u0647\u0634 \u062a\u0628\u062f\u06cc\u0644 \u0634\u0648\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631 \u0627\u0633\u0627\u0633 \u0627\u0638\u0647\u0627\u0631\u0627\u062a \u0645\u0637\u0631\u062d\u200c\u0634\u062f\u0647 \u062f\u0631 \u0647\u0645\u0627\u06cc\u0634 \u0645\u0644\u06cc \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0648 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\u060c \u062d\u062c\u0645 \u0645\u0646\u0627\u0628\u0639 \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646 \u062d\u062f\u0648\u062f <strong>\u06f4\u06f0 \u0647\u0645\u062a<\/strong> \u0627\u0639\u0644\u0627\u0645 \u0634\u062f\u0647 \u0627\u0633\u062a. \u06cc\u0627\u0633\u0631 \u0645\u0631\u0627\u062f\u06cc\u060c \u0645\u062a\u062e\u0635\u0635 \u062d\u0642\u0648\u0642 \u0628\u0627\u0646\u06a9\u06cc\u060c \u0627\u06cc\u0646 \u0627\u0646\u062f\u0627\u0632\u0647 \u0631\u0627 \u0628\u0627 \u062a\u0648\u062c\u0647 \u0628\u0647 \u0633\u0627\u0628\u0642\u0647 \u0686\u0646\u062f \u062f\u0647\u0647\u200c\u0627\u06cc \u0635\u0646\u0639\u062a\u060c \u067e\u0627\u06cc\u06cc\u0646 \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u06a9\u0631\u062f\u0647 \u0648 \u06cc\u06a9\u06cc \u0627\u0632 \u0645\u0634\u06a9\u0644\u0627\u062a \u0627\u0635\u0644\u06cc \u0631\u0627 \u0645\u062d\u062f\u0648\u062f \u0628\u0648\u062f\u0646 \u0638\u0631\u0641\u06cc\u062a \u062a\u062c\u0647\u06cc\u0632 \u0645\u0646\u0627\u0628\u0639 \u062f\u0627\u0646\u0633\u062a\u0647 \u0627\u0633\u062a (\u0645\u0631\u0627\u062f\u06cc\u060c \u06f1\u06f4\u06f0\u06f4).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0632 \u062f\u06cc\u062f\u06af\u0627\u0647 \u0645\u0631\u0627\u062f\u06cc\u060c \u0644\u06cc\u0632\u06cc\u0646\u06af\u200c\u0647\u0627\u06cc \u0627\u06cc\u0631\u0627\u0646 \u0639\u0644\u0627\u0648\u0647 \u0628\u0631 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a \u0645\u0646\u0627\u0628\u0639\u060c \u0628\u0627 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a \u062f\u0631 \u0627\u0628\u0632\u0627\u0631\u0647\u0627\u06cc \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u06cc \u0646\u06cc\u0632 \u0645\u0648\u0627\u062c\u0647\u200c\u0627\u0646\u062f. \u0648\u06cc \u0645\u0639\u062a\u0642\u062f \u0627\u0633\u062a \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u0686\u0627\u0631\u0686\u0648\u0628 \u0641\u0639\u0644\u06cc \u0639\u0645\u062f\u062a\u0627\u064b \u0628\u0647 \u0627\u062c\u0627\u0631\u0647 \u0628\u0647 \u0634\u0631\u0637 \u062a\u0645\u0644\u06cc\u06a9 \u0648 \u0641\u0631\u0648\u0634 \u0627\u0642\u0633\u0627\u0637\u06cc \u0645\u062d\u062f\u0648\u062f\u0646\u062f\u060c \u062f\u0631 \u062d\u0627\u0644\u06cc \u06a9\u0647 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u06af\u0633\u062a\u0631\u062f\u0647\u200c\u062a\u0631 \u0627\u0632 \u0638\u0631\u0641\u06cc\u062a\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u0645\u0631\u0627\u0628\u062d\u0647 \u0648 \u06a9\u0631\u062f\u06cc\u062a\u200c\u06a9\u0627\u0631\u062a \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062f\u0627\u0645\u0646\u0647 \u0641\u0639\u0627\u0644\u06cc\u062a \u0635\u0646\u0639\u062a \u0631\u0627 \u062a\u0648\u0633\u0639\u0647 \u062f\u0647\u062f (\u0645\u0631\u0627\u062f\u06cc\u060c \u06f1\u06f4\u06f0\u06f4). (<a href=\"https:\/\/t.me\/s\/bankinglaws\/9491?utm_source=chatgpt.com\">Telegram<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0645\u0648\u0636\u0648\u0639 \u0645\u0647\u0645 \u062f\u06cc\u06af\u0631\u060c <strong>\u0631\u0642\u0627\u0628\u062a \u0628\u0627 \u0644\u0646\u062f\u062a\u06a9\u200c\u0647\u0627 \u0648 \u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644<\/strong> \u0627\u0633\u062a. \u0645\u0631\u0627\u062f\u06cc \u062a\u0635\u0631\u06cc\u062d \u06a9\u0631\u062f\u0647 \u06a9\u0647 \u0648\u0631\u0648\u062f \u0644\u0646\u062f\u062a\u06a9\u200c\u0647\u0627 \u0628\u0627 \u062e\u062f\u0645\u0627\u062a \u063a\u06cc\u0631\u062d\u0636\u0648\u0631\u06cc \u0648 \u0645\u0634\u062a\u0631\u06cc\u200c\u067e\u0633\u0646\u062f\u060c \u0628\u062e\u0634\u06cc \u0627\u0632 \u0628\u0627\u0632\u0627\u0631 \u0642\u0633\u0637\u06cc\u200c\u0641\u0631\u0648\u0634\u06cc \u0631\u0627 \u0628\u0647 \u0633\u0645\u062a \u0627\u06cc\u0646 \u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u0633\u0648\u0642 \u062f\u0627\u062f\u0647 \u0627\u0633\u062a \u0648 \u062a\u062f\u0627\u0648\u0645 \u0641\u0639\u0627\u0644\u06cc\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af\u200c\u0647\u0627 \u0631\u0627 \u0628\u0647 \u0628\u0627\u0632\u062a\u0639\u0631\u06cc\u0641 \u0646\u0642\u0634 \u0622\u0646\u0647\u0627 \u0648 \u0646\u062d\u0648\u0647 \u062a\u0639\u0627\u0645\u0644 \u0628\u0627 \u0646\u0647\u0627\u062f\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc \u062c\u062f\u06cc\u062f \u0648\u0627\u0628\u0633\u062a\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f (\u0645\u0631\u0627\u062f\u06cc\u060c \u06f1\u06f4\u06f0\u06f4). (<a href=\"https:\/\/t.me\/s\/Bankinglaws?before=9509&amp;utm_source=chatgpt.com\">Telegram<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u0645\u0633\u0626\u0644\u0647 \u0627\u0632 \u0646\u0638\u0631 \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc\u06a9 \u0628\u0633\u06cc\u0627\u0631 \u0645\u0647\u0645 \u0627\u0633\u062a: <strong>\u062a\u0647\u062f\u06cc\u062f \u0627\u0635\u0644\u06cc \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646 \u06a9\u0627\u0647\u0634 \u0646\u06cc\u0627\u0632 \u0645\u0631\u062f\u0645 \u0628\u0647 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0646\u06cc\u0633\u062a\u061b \u0628\u0644\u06a9\u0647 \u0627\u0646\u062a\u0642\u0627\u0644 \u0631\u0627\u0628\u0637\u0647 \u0628\u0627 \u0645\u0634\u062a\u0631\u06cc \u0627\u0632 \u0644\u06cc\u0632\u06cc\u0646\u06af\u200c\u0647\u0627 \u0628\u0647 \u0628\u0627\u0632\u06cc\u06af\u0631\u0627\u0646 \u062c\u062f\u06cc\u062f \u0627\u0633\u062a.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0646\u0634\u0627\u0646\u0647\u200c\u0647\u0627\u06cc \u0638\u0631\u0641\u06cc\u062a \u0631\u0634\u062f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0627 \u0648\u062c\u0648\u062f \u0645\u0634\u06a9\u0644\u0627\u062a \u0633\u0627\u062e\u062a\u0627\u0631\u06cc\u060c \u0639\u0645\u0644\u06a9\u0631\u062f \u0628\u0631\u062e\u06cc \u0634\u0631\u06a9\u062a\u200c\u0647\u0627 \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0628\u0627\u0632\u0627\u0631 \u0642\u0627\u0628\u0644\u06cc\u062a \u0631\u0634\u062f \u062f\u0627\u0631\u062f. \u0628\u0631\u0627\u06cc \u0646\u0645\u0648\u0646\u0647\u060c \u0637\u0628\u0642 \u06af\u0632\u0627\u0631\u0634 \u0645\u0646\u062a\u0634\u0631\u0634\u062f\u0647 \u0627\u0632 \u0645\u062c\u0645\u0639 \u0633\u0627\u0644\u0627\u0646\u0647 \u0628\u0647\u0645\u0646 \u0644\u06cc\u0632\u06cc\u0646\u06af\u060c \u0627\u06cc\u0646 \u0634\u0631\u06a9\u062a \u062f\u0631 \u0633\u0627\u0644 \u06f1\u06f4\u06f0\u06f4 \u062a\u0639\u062f\u0627\u062f \u06f2\u06f7\u06f4\u06f6 \u062f\u0633\u062a\u06af\u0627\u0647 \u062e\u0648\u062f\u0631\u0648 \u0644\u06cc\u0632\u06cc\u0646\u06af \u06a9\u0631\u062f\u0647 \u06a9\u0647 \u0646\u0633\u0628\u062a \u0628\u0647 \u0633\u0627\u0644 \u0642\u0628\u0644 \u062d\u062f\u0648\u062f \u06f1\u06f0\u06f0 \u062f\u0631\u0635\u062f \u0631\u0634\u062f \u062f\u0627\u0634\u062a\u0647 \u0627\u0633\u062a. \u0641\u0631\u0648\u0634 \u0634\u0631\u06a9\u062a \u0628\u0647 \u06f5.\u06f3 \u0647\u0645\u062a \u0648 \u0633\u0648\u062f \u062e\u0627\u0644\u0635 \u0628\u0647 \u06f7\u06f2\u06f0 \u0645\u06cc\u0644\u06cc\u0627\u0631\u062f \u062a\u0648\u0645\u0627\u0646 \u0631\u0633\u06cc\u062f\u0647 \u0627\u0633\u062a (\u0628\u0647\u0645\u0646 \u0644\u06cc\u0632\u06cc\u0646\u06af\u060c \u06f1\u06f4\u06f0\u06f5). (<a href=\"https:\/\/telegram.me\/s\/bourse24ir?q=%23%D9%88%D9%84%D8%A8%D9%87%D9%85%D9%86&amp;utm_source=chatgpt.com\">Telegram<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0645\u0633\u0626\u0644\u0647 \u0635\u0646\u0639\u062a \u0627\u06cc\u0631\u0627\u0646 \u0631\u0627 \u0646\u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0635\u0631\u0641\u0627\u064b \u00ab\u0646\u0628\u0648\u062f \u0628\u0627\u0632\u0627\u0631\u00bb \u062f\u0627\u0646\u0633\u062a. \u0645\u0633\u0626\u0644\u0647 \u0627\u0635\u0644\u06cc <strong>\u062a\u0628\u062f\u06cc\u0644 \u062a\u0642\u0627\u0636\u0627\u06cc \u0628\u0627\u0644\u0642\u0648\u0647 \u0628\u0647 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u06cc \u0633\u0648\u062f\u0622\u0648\u0631\u060c \u0645\u0642\u06cc\u0627\u0633\u200c\u067e\u0630\u06cc\u0631 \u0648 \u06a9\u0645\u200c\u0631\u06cc\u0633\u06a9<\/strong> \u0627\u0633\u062a.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u0686\u0647\u0627\u0631 \u0633\u0646\u0627\u0631\u06cc\u0648\u06cc \u0622\u06cc\u0646\u062f\u0647 \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u0633\u0646\u0627\u0631\u06cc\u0648<\/th><th>\u0648\u06cc\u0698\u06af\u06cc<\/th><\/tr><\/thead><tbody><tr><td><strong>\u06f1. \u062a\u062f\u0627\u0648\u0645 \u0648\u0636\u0639 \u0645\u0648\u062c\u0648\u062f<\/strong><\/td><td>\u062a\u0645\u0631\u06a9\u0632 \u0628\u0631 \u062e\u0648\u062f\u0631\u0648\u060c \u0641\u0631\u0648\u0634 \u0627\u0642\u0633\u0627\u0637\u06cc\u060c \u0641\u0631\u0622\u06cc\u0646\u062f\u0647\u0627\u06cc \u0646\u0633\u0628\u062a\u0627\u064b \u0633\u0646\u062a\u06cc \u0648 \u0627\u062a\u06a9\u0627\u06cc \u0632\u06cc\u0627\u062f \u0628\u0647 \u0645\u0646\u0627\u0628\u0639 \u0645\u062d\u062f\u0648\u062f<\/td><\/tr><tr><td><strong>\u06f2. \u0644\u06cc\u0632\u06cc\u0646\u06af \u062a\u062e\u0635\u0635\u06cc<\/strong><\/td><td>\u062a\u0645\u0631\u06a9\u0632 \u0628\u0631 \u0628\u062e\u0634\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u062e\u0648\u062f\u0631\u0648\u060c \u062a\u062c\u0647\u06cc\u0632\u0627\u062a\u060c \u0645\u0627\u0634\u06cc\u0646\u200c\u0622\u0644\u0627\u062a\u060c \u062d\u0645\u0644\u200c\u0648\u0646\u0642\u0644 \u0648 SME<\/td><\/tr><tr><td><strong>\u06f3. \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644<\/strong><\/td><td>\u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc \u0622\u0646\u0644\u0627\u06cc\u0646\u060c \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u060c \u062a\u0635\u0645\u06cc\u0645\u200c\u06af\u06cc\u0631\u06cc \u0633\u0631\u06cc\u0639 \u0648 \u0648\u0635\u0648\u0644 \u062f\u0627\u062f\u0647\u200c\u0645\u062d\u0648\u0631<\/td><\/tr><tr><td><strong>\u06f4. \u067e\u0644\u062a\u0641\u0631\u0645 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0648 \u062f\u0627\u0631\u0627\u06cc\u06cc<\/strong><\/td><td>\u062a\u0631\u06a9\u06cc\u0628 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\u060c \u0628\u06cc\u0645\u0647\u060c \u062e\u062f\u0645\u0627\u062a\u060c \u062f\u0627\u062f\u0647\u060c \u0645\u062f\u06cc\u0631\u06cc\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc \u0648 \u0628\u0627\u0632\u0627\u0631 \u062b\u0627\u0646\u0648\u06cc\u0647<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0647 \u0646\u0638\u0631 \u0645\u06cc\u200c\u0631\u0633\u062f <strong>\u0633\u0646\u0627\u0631\u06cc\u0648\u06cc \u0686\u0647\u0627\u0631\u0645 \u0627\u0632 \u0646\u0638\u0631 \u062e\u0644\u0642 \u0627\u0631\u0632\u0634 \u0628\u0644\u0646\u062f\u0645\u062f\u062a \u062c\u0630\u0627\u0628\u200c\u062a\u0631\u06cc\u0646 \u06af\u0632\u06cc\u0646\u0647<\/strong> \u0628\u0627\u0634\u062f\u060c \u0647\u0631\u0686\u0646\u062f \u062a\u062d\u0642\u0642 \u0622\u0646 \u062f\u0631 \u0627\u06cc\u0631\u0627\u0646 \u0646\u06cc\u0627\u0632\u0645\u0646\u062f \u0627\u0635\u0644\u0627\u062d \u0645\u0642\u0631\u0631\u0627\u062a\u060c \u062f\u0633\u062a\u0631\u0633\u06cc \u0628\u0647 \u0645\u0646\u0627\u0628\u0639 \u0648 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u06cc \u0641\u0646\u0627\u0648\u0631\u06cc \u0627\u0633\u062a.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u062f\u0633\u062a\u0648\u0631\u06a9\u0627\u0631 \u067e\u06cc\u0634\u0646\u0647\u0627\u062f\u06cc \u0628\u0631\u0627\u06cc \u0645\u062f\u06cc\u0631\u0627\u0646 \u0644\u06cc\u0632\u06cc\u0646\u06af<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631 \u0645\u0628\u0646\u0627\u06cc \u0631\u0648\u0646\u062f\u0647\u0627\u06cc \u062c\u0647\u0627\u0646\u06cc \u0648 \u0634\u0631\u0627\u06cc\u0637 \u0627\u06cc\u0631\u0627\u0646\u060c \u0645\u062f\u06cc\u0631\u0627\u0646 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0628\u0627\u06cc\u062f \u067e\u0646\u062c \u062a\u062d\u0648\u0644 \u0631\u0627 \u062f\u0631 \u062f\u0633\u062a\u0648\u0631 \u06a9\u0627\u0631 \u0642\u0631\u0627\u0631 \u062f\u0647\u0646\u062f:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u06f1. \u062a\u062d\u0648\u0644 \u0645\u062f\u0644 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631:<\/strong><br>\u0627\u0632 \u00ab\u0641\u0631\u0648\u0634 \u0642\u0631\u0627\u0631\u062f\u0627\u062f \u0644\u06cc\u0632\u06cc\u0646\u06af\u00bb \u0628\u0647 \u00ab\u0631\u0627\u0647\u06a9\u0627\u0631 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc\u00bb \u062d\u0631\u06a9\u062a \u06a9\u0646\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u06f2. \u062a\u062d\u0648\u0644 \u0645\u0634\u062a\u0631\u06cc:<\/strong><br>\u0645\u0634\u062a\u0631\u06cc \u0631\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0631\u0641\u062a\u0627\u0631 \u0648 \u062a\u0648\u0627\u0646 \u0645\u0627\u0644\u06cc \u062a\u0642\u0633\u06cc\u0645\u200c\u0628\u0646\u062f\u06cc \u06a9\u0646\u0646\u062f\u060c \u0646\u0647 \u0635\u0631\u0641\u0627\u064b \u0646\u0648\u0639 \u062f\u0627\u0631\u0627\u06cc\u06cc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u06f3. \u062a\u062d\u0648\u0644 \u0641\u0646\u0627\u0648\u0631\u06cc:<\/strong><br>\u0641\u0631\u0622\u06cc\u0646\u062f \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc\u060c \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0648 \u0648\u0635\u0648\u0644 \u0631\u0627 \u062a\u0627 \u062d\u062f \u0627\u0645\u06a9\u0627\u0646 \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644 \u06a9\u0646\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u06f4. \u062a\u062d\u0648\u0644 \u0631\u06cc\u0633\u06a9:<\/strong><br>AI \u0648 \u062a\u062d\u0644\u06cc\u0644 \u062f\u0627\u062f\u0647 \u0631\u0627 \u0628\u0631\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u0633\u0646\u062c\u06cc\u060c \u062a\u0642\u0644\u0628\u060c \u0648\u0635\u0648\u0644 \u0648 \u067e\u06cc\u0634\u200c\u0628\u06cc\u0646\u06cc \u0627\u0631\u0632\u0634 \u0628\u0627\u0642\u06cc\u200c\u0645\u0627\u0646\u062f\u0647 \u0628\u0647 \u06a9\u0627\u0631 \u06af\u06cc\u0631\u0646\u062f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u06f5. \u062a\u062d\u0648\u0644 \u0627\u06a9\u0648\u0633\u06cc\u0633\u062a\u0645:<\/strong><br>\u0628\u0647 \u062c\u0627\u06cc \u0631\u0642\u0627\u0628\u062a \u0635\u0631\u0641 \u0628\u0627 \u0641\u06cc\u0646\u200c\u062a\u06a9\u200c\u0647\u0627 \u0648 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627\u060c \u0628\u0627 \u0622\u0646\u0647\u0627 <strong>\u0647\u0645\u06a9\u0627\u0631\u06cc \u0627\u06a9\u0648\u0633\u06cc\u0633\u062a\u0645\u06cc<\/strong> \u0627\u06cc\u062c\u0627\u062f \u06a9\u0646\u0646\u062f.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u0622\u06cc\u0646\u062f\u0647 \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062c\u0647\u0627\u0646 \u0628\u0647 \u0633\u0645\u062a <strong>Digital Leasing\u060c Embedded Finance\u060c AI-based Underwriting\u060c Dynamic Pricing\u060c Asset Lifecycle Management \u0648 Subscription Models<\/strong> \u062d\u0631\u06a9\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f. \u0645\u0637\u0627\u0644\u0639\u0627\u062a McKinsey \u0648 BCG \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0628\u062a\u0648\u0627\u0646\u0646\u062f \u0627\u06cc\u0646 \u0642\u0627\u0628\u0644\u06cc\u062a\u200c\u0647\u0627 \u0631\u0627 \u062f\u0631 \u06cc\u06a9 \u0645\u062f\u0644 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631 \u0645\u0646\u0633\u062c\u0645 \u062a\u0631\u06a9\u06cc\u0628 \u06a9\u0646\u0646\u062f\u060c \u0627\u062d\u062a\u0645\u0627\u0644\u0627\u064b \u0627\u0632 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc\u06cc \u06a9\u0647 \u0635\u0631\u0641\u0627\u064b \u0628\u0631 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0633\u0646\u062a\u06cc \u0645\u062a\u06a9\u06cc \u0647\u0633\u062a\u0646\u062f\u060c \u0645\u0632\u06cc\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u062e\u0648\u0627\u0647\u0646\u062f \u062f\u0627\u0634\u062a (BCG, 2023; McKinsey &amp; Company, 2023, 2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u062f\u0631 \u0627\u06cc\u0631\u0627\u0646\u060c \u0641\u0631\u0635\u062a \u0628\u0632\u0631\u06af \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u062a\u0641\u0627\u0642\u0627\u064b \u062f\u0631 \u0647\u0645\u06cc\u0646 \u0641\u0627\u0635\u0644\u0647 \u062a\u0648\u0633\u0639\u0647\u200c\u06cc\u0627\u0641\u062a\u06af\u06cc \u0642\u0631\u0627\u0631 \u062f\u0627\u0631\u062f. \u0635\u0646\u0639\u062a \u0647\u0646\u0648\u0632 \u06a9\u0648\u0686\u06a9 \u0627\u0633\u062a \u0648 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a\u200c\u0647\u0627\u06cc \u0645\u0642\u0631\u0631\u0627\u062a\u06cc \u0648 \u0645\u0646\u0627\u0628\u0639 \u0645\u0627\u0644\u06cc \u062f\u0627\u0631\u062f\u060c \u0627\u0645\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a \u062f\u0627\u0631\u0627\u06cc\u06cc\u200c\u0647\u0627\u060c \u0646\u06cc\u0627\u0632 \u0628\u0646\u06af\u0627\u0647\u200c\u0647\u0627 \u0628\u0647 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0648 \u0631\u0634\u062f \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0642\u0633\u0627\u0637\u06cc\u060c \u062a\u0642\u0627\u0636\u0627\u06cc \u0628\u0627\u0644\u0642\u0648\u0647 \u0642\u0627\u0628\u0644 \u062a\u0648\u062c\u0647\u06cc \u0627\u06cc\u062c\u0627\u062f \u06a9\u0631\u062f\u0647 \u0627\u0633\u062a.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 \u0633\u0624\u0627\u0644 \u0627\u0633\u062a\u0631\u0627\u062a\u0698\u06cc\u06a9 \u0645\u062f\u06cc\u0631\u0627\u0646 \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u06cc\u06af\u0631 \u0646\u0628\u0627\u06cc\u062f \u0627\u06cc\u0646 \u0628\u0627\u0634\u062f \u06a9\u0647:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab\u0686\u06af\u0648\u0646\u0647 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u0647\u0627\u06cc \u0628\u06cc\u0634\u062a\u0631\u06cc \u0628\u0641\u0631\u0648\u0634\u06cc\u0645\u061f\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0644\u06a9\u0647 \u0628\u0627\u06cc\u062f \u0627\u06cc\u0646 \u0628\u0627\u0634\u062f:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u00ab\u0686\u06af\u0648\u0646\u0647 \u0628\u0647 \u067e\u0644\u062a\u0641\u0631\u0645 \u0647\u0648\u0634\u0645\u0646\u062f \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0686\u0631\u062e\u0647 \u0639\u0645\u0631 \u062f\u0627\u0631\u0627\u06cc\u06cc \u062a\u0628\u062f\u06cc\u0644 \u0634\u0648\u06cc\u0645\u061f\u00bb<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u06cc\u0646 \u062a\u063a\u06cc\u06cc\u0631 \u0646\u06af\u0627\u0647\u060c \u0628\u0647\u200c\u0648\u06cc\u0698\u0647 \u0628\u0631\u0627\u06cc \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0648\u0627\u0628\u0633\u062a\u0647 \u0628\u0647 \u0628\u0627\u0646\u06a9\u200c\u0647\u0627 \u0648 \u0647\u0644\u062f\u06cc\u0646\u06af\u200c\u0647\u0627\u06cc \u0645\u0627\u0644\u06cc\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0645\u0628\u0646\u0627\u06cc \u0637\u0631\u0627\u062d\u06cc \u06cc\u06a9 <strong>\u0628\u0631\u0646\u0627\u0645\u0647 \u062a\u062d\u0648\u0644 \u0633\u0647\u200c\u0633\u0627\u0644\u0647<\/strong> \u0628\u0627 \u0645\u062d\u0648\u0631\u0647\u0627\u06cc \u0645\u062f\u0644 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u060c \u0645\u062d\u0635\u0648\u0644\u060c \u062f\u06cc\u062c\u06cc\u062a\u0627\u0644\u060c \u0647\u0648\u0634 \u0645\u0635\u0646\u0648\u0639\u06cc\u060c \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0648 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0631\u06cc\u0633\u06a9 \u0628\u0627\u0634\u062f.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u0645\u0646\u0627\u0628\u0639 | APA 7<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u0645\u0646\u0627\u0628\u0639 \u0628\u06cc\u0646\u200c\u0627\u0644\u0645\u0644\u0644\u06cc<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Boston Consulting Group. (2023, January 10). <em>The rise of the car subscription market<\/em>. <a href=\"https:\/\/www.bcg.com\/publications\/2023\/the-rise-of-the-car-subscription-market\">https:\/\/www.bcg.com\/publications\/2023\/the-rise-of-the-car-subscription-market<\/a> (<a href=\"https:\/\/www.bcg.com\/ja-jp\/publications\/2023\/the-rise-of-the-car-subscription-market?utm_source=chatgpt.com\">BCG<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey &amp; Company. (2020, November 9). <em>Subscribed to the future: Auto finance yet?<\/em> <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/subscribed-to-future-auto-finance-yet\">https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/subscribed-to-future-auto-finance-yet<\/a> (<a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/subscribed-to-future-auto-finance-yet?utm_source=chatgpt.com\">\u0645\u06a9 \u06a9\u06cc\u0646\u0632\u06cc<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey &amp; Company. (2023, March 1). <em>Car leasing in Europe: Managing residual value for a \u20ac12 billion opportunity<\/em>. <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/car-leasing-in-europe-managing-residual-value-for-a-12-billion-euro-opportunity\">https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/car-leasing-in-europe-managing-residual-value-for-a-12-billion-euro-opportunity<\/a> (<a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/car-leasing-in-europe-managing-residual-value-for-a-12-billion-euro-opportunity?utm_source=chatgpt.com\">\u0645\u06a9 \u06a9\u06cc\u0646\u0632\u06cc<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey &amp; Company. (2023). <em>Mobility finance<\/em>. <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/how-we-help-clients\/mobility-finance\">https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/how-we-help-clients\/mobility-finance<\/a> (<a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/how-we-help-clients\/mobility-finance?utm_source=chatgpt.com\">\u0645\u06a9 \u06a9\u06cc\u0646\u0632\u06cc<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey &amp; Company. (2024). <em>Auto leasing amid declining used-car prices in Europe<\/em>. <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/auto-leasing-combating-declining-used-car-prices-in-europe\">https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/auto-leasing-combating-declining-used-car-prices-in-europe<\/a> (<a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/auto-leasing-combating-declining-used-car-prices-in-europe?utm_source=chatgpt.com\">\u0645\u06a9 \u06a9\u06cc\u0646\u0632\u06cc<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">McKinsey &amp; Company. (2025, November 12). <em>Agentic AI: A new path to value in the auto finance industry<\/em>. <a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/agentic-ai-a-new-path-to-value-in-the-auto-finance-industry\">https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/agentic-ai-a-new-path-to-value-in-the-auto-finance-industry<\/a> (<a href=\"https:\/\/www.mckinsey.com\/industries\/automotive-and-assembly\/our-insights\/agentic-ai-a-new-path-to-value-in-the-auto-finance-industry?utm_source=chatgpt.com\">\u0645\u06a9 \u06a9\u06cc\u0646\u0632\u06cc<\/a>)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0645\u0646\u0627\u0628\u0639 \u0627\u06cc\u0631\u0627\u0646<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0647\u0645\u0646 \u0644\u06cc\u0632\u06cc\u0646\u06af. (\u06f1\u06f4\u06f0\u06f5). <em>\u06af\u0632\u0627\u0631\u0634 \u0639\u0645\u0644\u06a9\u0631\u062f \u0633\u0627\u0644 \u0645\u0627\u0644\u06cc \u06f1\u06f4\u06f0\u06f4 \u0648 \u0645\u062c\u0645\u0639 \u0639\u0645\u0648\u0645\u06cc \u0633\u0627\u0644\u0627\u0646\u0647 \u0634\u0631\u06a9\u062a<\/em>. \u0627\u0637\u0644\u0627\u0639\u0627\u062a \u0645\u0646\u062a\u0634\u0631\u0634\u062f\u0647 \u062f\u0631 \u0631\u0633\u0627\u0646\u0647\u200c\u0647\u0627\u06cc \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u0648 \u0628\u0627\u0632\u0627\u0631 \u0633\u0631\u0645\u0627\u06cc\u0647. (<a href=\"https:\/\/telegram.me\/s\/bourse24ir?q=%23%D9%88%D9%84%D8%A8%D9%87%D9%85%D9%86&amp;utm_source=chatgpt.com\">Telegram<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0645\u0631\u0627\u062f\u06cc\u060c \u06cc\u0627\u0633\u0631. (\u06f1\u06f4\u06f0\u06f4). <em>\u06f8 \u0646\u06a9\u062a\u0647 \u062f\u0631 \u062e\u0635\u0648\u0635 \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af\u061b \u0627\u062f\u0627\u0645\u0647 \u062d\u06cc\u0627\u062a \u06cc\u0627 \u0633\u0642\u0648\u0637 \u0622\u0632\u0627\u062f\u061f<\/em> \u0627\u0631\u0627\u0626\u0647\u200c\u0634\u062f\u0647 \u062f\u0631 \u0647\u0645\u0627\u06cc\u0634 \u0645\u0644\u06cc \u00ab\u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0648 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\u00bb\u061b \u0628\u0627\u0632\u0646\u0634\u0631 \u062f\u0631 \u0634\u0628\u06a9\u0647 \u0627\u0637\u0644\u0627\u0639\u200c\u0631\u0633\u0627\u0646\u06cc \u062d\u0642\u0648\u0642 \u0628\u0627\u0646\u06a9\u06cc. (<a href=\"https:\/\/telegram.me\/s\/bankinglaws?q=%23%D8%AF%D8%B9%D8%A7%D9%88%DB%8C_%D8%A8%D8%A7%D9%86%DA%A9%DB%8C&amp;utm_source=chatgpt.com\">Telegram<\/a>)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0627\u0646\u062c\u0645\u0646 \u0645\u0644\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646. (\u06f1\u06f4\u06f0\u06f3\u2013\u06f1\u06f4\u06f0\u06f5). <em>\u0645\u0637\u0627\u0644\u0628 \u0648 \u06af\u0632\u0627\u0631\u0634\u200c\u0647\u0627\u06cc \u062a\u062e\u0635\u0635\u06cc \u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u0648 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc<\/em>. \u0627\u0646\u062c\u0645\u0646 \u0645\u0644\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af \u0627\u06cc\u0631\u0627\u0646.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0646\u06a9\u062a\u0647 \u0627\u0633\u062a\u0646\u0627\u062f\u06cc:<\/strong> \u0628\u0631\u0627\u06cc \u0646\u0633\u062e\u0647 \u0642\u0627\u0628\u0644 \u0627\u0646\u062a\u0634\u0627\u0631 \u062f\u0631 \u0641\u0635\u0644\u0646\u0627\u0645\u0647\u060c \u0628\u0647\u062a\u0631 \u0627\u0633\u062a \u0645\u0646\u0627\u0628\u0639 \u0627\u06cc\u0631\u0627\u0646\u06cc \u0646\u06cc\u0632 \u062f\u0642\u06cc\u0642\u0627\u064b \u0645\u0627\u0646\u0646\u062f \u0645\u0646\u0627\u0628\u0639 \u062e\u0627\u0631\u062c\u06cc \u0628\u0627 <strong>\u0639\u0646\u0648\u0627\u0646 \u0633\u062e\u0646\u0631\u0627\u0646\u06cc\/\u0645\u0642\u0627\u0644\u0647\u060c \u062a\u0627\u0631\u06cc\u062e\u060c \u0646\u0627\u0645 \u0631\u0633\u0627\u0646\u0647\u060c URL \u0648 \u062a\u0627\u0631\u06cc\u062e \u062f\u0633\u062a\u0631\u0633\u06cc<\/strong> \u062b\u0628\u062a \u0634\u0648\u0646\u062f\u061b \u0628\u0647\u200c\u0648\u06cc\u0698\u0647 \u062f\u0631\u0628\u0627\u0631\u0647 \u0627\u0638\u0647\u0627\u0631\u0627\u062a \u0647\u0645\u0627\u06cc\u0634 \u0644\u06cc\u0632\u06cc\u0646\u06af\u060c \u0686\u0648\u0646 \u0628\u062e\u0634\u06cc \u0627\u0632 \u0645\u0637\u0627\u0644\u0628 \u0641\u0639\u0644\u0627\u064b \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u0628\u0627\u0632\u0646\u0634\u0631 \u0633\u062e\u0646\u0627\u0646 \u0645\u062a\u062e\u0635\u0635\u0627\u0646 \u062f\u0631 \u062f\u0633\u062a\u0631\u0633 \u0627\u0633\u062a\u060c \u0646\u0647 \u0645\u0642\u0627\u0644\u0647 \u062f\u0627\u0648\u0631\u06cc\u200c\u0634\u062f\u0647.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0635\u0646\u0639\u062a \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062c\u0647\u0627\u0646 \u062f\u0631 \u0646\u0642\u0637\u0647\u200c\u0627\u06cc \u0642\u0631\u0627\u0631 \u06af\u0631\u0641\u062a\u0647 \u0627\u0633\u062a \u06a9\u0647 \u062f\u06cc\u06af\u0631 \u0646\u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0622\u06cc\u0646\u062f\u0647 \u0622\u0646 \u0631\u0627 \u0635\u0631\u0641\u0627\u064b \u0628\u0627 \u0634\u0627\u062e\u0635\u200c\u0647\u0627\u06cc\u06cc \u0645\u0627\u0646\u0646\u062f \u062d\u062c\u0645 \u0642\u0631\u0627\u0631\u062f\u0627\u062f\u060c \u062a\u0639\u062f\u0627\u062f \u062e\u0648\u062f\u0631\u0648\u0647\u0627\u06cc \u0648\u0627\u06af\u0630\u0627\u0631\u0634\u062f\u0647 \u06cc\u0627 \u0646\u0631\u062e \u0633\u0648\u062f \u0627\u0631\u0632\u06cc\u0627\u0628\u06cc \u06a9\u0631\u062f. \u06af\u0632\u0627\u0631\u0634\u200c\u0647\u0627 \u0648 \u0645\u0637\u0627\u0644\u0639\u0627\u062a \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0628\u0632\u0631\u06af \u0645\u0634\u0627\u0648\u0631\u0647 \u0645\u062f\u06cc\u0631\u06cc\u062a \u0646\u0634\u0627\u0646 \u0645\u06cc\u200c\u062f\u0647\u062f \u06a9\u0647 \u0644\u06cc\u0632\u06cc\u0646\u06af \u062f\u0631 \u062d\u0627\u0644 \u0639\u0628\u0648\u0631 \u0627\u0632 \u0645\u062f\u0644 \u0633\u0646\u062a\u06cc \u00ab\u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u062e\u0631\u06cc\u062f \u062f\u0627\u0631\u0627\u06cc\u06cc\u00bb \u0628\u0647 \u0633\u0645\u062a \u062a\u0631\u06a9\u06cc\u0628\u06cc \u0627\u0632 \u062a\u0623\u0645\u06cc\u0646 &hellip;<br \/><a href=\"https:\/\/tadabirpishran.ir\/?p=206\" class=\"more-link pen_button pen_element_default pen_icon_arrow_double\">\u0627\u062f\u0627\u0645\u0647 \u06cc \u0646\u0648\u0634\u062a\u0647 <span class=\"screen-reader-text\">\u0622\u06cc\u0646\u062f\u0647 \u0634\u0631\u06a9\u062a\u200c\u0647\u0627\u06cc \u0644\u06cc\u0632\u06cc\u0646\u06af\u061b \u0627\u0632 \u0648\u0627\u0633\u067e\u0627\u0631\u06cc \u062f\u0627\u0631\u0627\u06cc\u06cc \u062a\u0627 \u067e\u0644\u062a\u0641\u0631\u0645 \u0647\u0648\u0634\u0645\u0646\u062f \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-10"],"_links":{"self":[{"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/posts\/206","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=206"}],"version-history":[{"count":1,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/posts\/206\/revisions"}],"predecessor-version":[{"id":208,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/posts\/206\/revisions\/208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=\/wp\/v2\/media\/207"}],"wp:attachment":[{"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tadabirpishran.ir\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}