{"id":27997,"date":"2023-12-20T07:56:16","date_gmt":"2023-12-19T23:56:16","guid":{"rendered":"https:\/\/www.ifsb.org\/digitalisation-platform\/"},"modified":"2024-12-17T09:47:02","modified_gmt":"2024-12-17T01:47:02","slug":"%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9","status":"publish","type":"page","link":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/","title":{"rendered":"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"27997\" class=\"elementor elementor-27997 elementor-22404\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12e2bf7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"12e2bf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2710c6c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2710c6c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-559f5dc e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"559f5dc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b0cedd8 elementor-widget-mobile__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b0cedd8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d01077 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5d01077\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c96c7a elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"3c96c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u062d\u0648\u0644 \u0627\u0644\u0645\u0646\u0635\u0629<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-941ef59 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"941ef59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57f668d elementor-widget elementor-widget-text-editor\" data-id=\"57f668d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW259495891 BCX0\" lang=\"AR-SA\" xml:lang=\"AR-SA\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW259495891 BCX0\">\u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u062c\u0645\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW259495891 BCX0\">\u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629<\/span><span class=\"NormalTextRun SCXW259495891 BCX0\"> \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0648\u0627\u0636\u0639\u064a \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0641\u0627\u0639\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0648\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0625\u0644\u0649 \u062a\u0633\u0647\u064a\u0644 \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629\u060c \u0644\u062a\u062d\u062f\u064a\u062f \u0648\u062a\u0633\u0644\u064a\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW259495891 BCX0\">\u0627\u0644\u0631\u0642\u0645\u0646\u0629<\/span><span class=\"NormalTextRun SCXW259495891 BCX0\"> \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0631\u0624\u064a\u0629 \u0645\u062a\u0639\u0645\u0642\u0629 \u062d\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0645\u0634\u0627\u0631\u0643\u062a\u0647\u0627 \u0645\u0639 \u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646. \u0643\u0645\u0627 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u062d\u062b\u064a\u0629.<\/span><\/span><span class=\"EOP SCXW259495891 BCX0\" data-ccp-props=\"{}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-281fa07 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"281fa07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea18fa2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"ea18fa2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1f7ec8 elementor-widget-tablet__width-initial ekit-equal-height-disable elementor-widget elementor-widget-elementskit-image-box\" data-id=\"f1f7ec8\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"agenda-img\" data-widget_type=\"elementskit-image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n            <div class=\"elementskit-info-image-box ekit-image-box text-center style-modern\" >\n\n                \n                <div class=\"elementskit-box-header image-box-img-center\">\n\n                    <img fetchpriority=\"high\" decoding=\"async\" width=\"519\" height=\"324\" src=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png\" class=\"attachment-full size-full wp-image-22459\" alt=\"\" srcset=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png 519w, https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02-300x187.png 300w, https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02-320x200.png 320w\" sizes=\"(max-width: 519px) 100vw, 519px\" \/>\n                <\/div>\n                \n                <div class=\"elementskit-box-body ekit-image-box-body\">\n                    <div class=\"elementskit-box-content ekit-image-box-body-inner\">\n                                                <h3 class=\"elementskit-info-box-title\">\n\n                        DIGITALISATION PLATFORM\n                        \n                    <\/h3>\n                                                        <\/div>\n\n                            <\/div>\n            <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba9e21d e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"ba9e21d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f55936 elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"7f55936\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-7f55936\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active  active-caret-on\" data-tabid=\"7f55936\">\n            <div class=\"eael-tabs-nav \">\n                <ul class=\"\" role=\"tablist\">\n                                            <li id=\"-\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"--tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 <\/span>                                                    <\/li>\n                                            <li id=\"\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >\u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639<\/span>                                                    <\/li>\n                    \n                                  <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"--tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"--tab\">\n\t\t\t\t        <p>\u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0645\u0646\u0635\u0629:<\/p><ol><li>.<span class=\"NormalTextRun SCXW231961800 BCX0\">\u062a\u062d\u062f\u064a\u062f \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062a\u0648\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW231961800 BCX0\">\u0627\u0644\u0631\u0642\u0645\u0646\u0629<\/span><span class=\"NormalTextRun SCXW231961800 BCX0\"> \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0633\u0627\u0628 \u0631\u0624\u064a\u0629 \u0623\u0643\u062b\u0631 \u062a\u0639\u0645\u0642\u064b\u0627 \u062d\u0648\u0644 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/span><\/li><li>\u00a0<span class=\"TextRun SCXW249070767 BCX0\"><span class=\"NormalTextRun SCXW249070767 BCX0\">\u0627\u0644\u0639\u0645\u0644 \u0643\u0646\u0642\u0637\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0648\u0646 \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u064a\u0646 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0628\u0634\u0623\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW249070767 BCX0\">\u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629<\/span><span class=\"NormalTextRun SCXW249070767 BCX0\"> \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/span><\/span><span class=\"TextRun SCXW249070767 BCX0\"><span class=\"NormalTextRun SCXW249070767 BCX0\">.<\/span><\/span><\/li><li><span class=\"TextRun SCXW99443254 BCX0\"><span class=\"NormalTextRun SCXW99443254 BCX0\">\u062c\u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062a\u0648\u062c\u0647 \u0639\u0645\u0644 \u0648\u0636\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0645\u0627 \u064a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0644\u0635\u0646\u0627\u0639\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0645\u0631\u0648\u0646\u0629 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/span><\/span><\/li><\/ol>                    <\/div>\n\t\t        \n                    <div id=\"-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"-tab\">\n\t\t\t\t        <p>\u062a\u062a\u0645\u062d\u0648\u0631 \u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/p><ol><li>\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/li><li>\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a.<\/li><li>\u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/li><li>\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629.<\/li><li>\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u0648 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629.<\/li><li>\u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629.<\/li><li>\u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0644\u0627\u0645\u0631\u0643\u0632\u064a.<\/li><\/ol>                    <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4703d7c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"4703d7c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5b9371d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5b9371d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5b738c8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5b738c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34a1786 elementor-widget-mobile__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"34a1786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53541d8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"53541d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3084ffa elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"3084ffa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff8031f elementor-widget elementor-widget-heading\" data-id=\"ff8031f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0648\u0631\u0642\u0629 \u0639\u0645\u0644 \u0631\u0642\u0645 2020\/12\/19) <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f28438 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"5f28438\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c61506a e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"c61506a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5760ac3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5760ac3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em><strong>\u0627\u0644\u062e\u0644\u0627\u0635\u0629<\/strong><\/em><\/p><p style=\"text-align: left;\">This exploratory working paper investigates the activities relating to the digital transformation process of Islamic banks (IBs). Data elicited via a survey questionnaire from 80 IBs across 21 Islamic Financial Services Board member jurisdictions were subjected to descriptive analysis to investigate the IBs\u2019 rationales for digitalisation, as well as their current status and the technologies they have adopted. The paper also investigates the regulatory approaches, challenges, prudential risks, and financial stability implications of the digitalisation of Islamic banking. The paper found that in most IBs the digitalisation process is still in progress but has gained more traction since the outbreak of the COVID-19 pandemic. Among many other pertinent reasons cited in the paper, strengthening competitiveness, enhancing operational efficiency, and improving customer satisfaction are the main rationales for IBs\u2019 digitalisation drive. The technologies adopted include mobile and digital wallets, biometric authentication, and artificial programming interface. Notwithstanding, IBs\u2019 digitalisation drive has been impeded by legacy infrastructure, and by the lack of both the requisite human resources and open banking infrastructure and architecture. The paper examines the implications of the benefits and the risks of digitalisation for the stability of the Islamic banking industry and makes recommendations on the way forward<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dba2b0e e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"dba2b0e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f011bb elementor-widget-tablet__width-initial elementor-widget elementor-widget-image\" data-id=\"5f011bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"407\" height=\"543\" src=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_01.png\" class=\"attachment-full size-full wp-image-22848\" alt=\"\" srcset=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_01.png 407w, https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_01-225x300.png 225w\" sizes=\"(max-width: 407px) 100vw, 407px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-169a9c6 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"169a9c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/10\/WP-19_En.pdf\" target=\"_blank\" rel=\"nofollow\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\u062a\u062d\u0645\u064a\u0644<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e76682 elementor-widget elementor-widget-heading\" data-id=\"0e76682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0642\u062a\u0637\u0641\u0627\u062a \u0645\u0646 \u062a\u0642\u0631\u064a\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c47a278 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"c47a278\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c2217a8 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"c2217a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a783ef0 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"a783ef0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"TextRun SCXW122916809 BCX0\" lang=\"AR-SA\" xml:lang=\"AR-SA\" data-contrast=\"auto\"><span class=\"NormalTextRun SpellingErrorV2Themed SCXW122916809 BCX0\">\u062a\u0642\u0646\u064a\u0649\u0629<\/span><span class=\"NormalTextRun SCXW122916809 BCX0\"> \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644 (\u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646<\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW122916809 BCX0\">):\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a<\/span><span class=\"NormalTextRun SCXW122916809 BCX0\"> \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629<\/span><\/span><span class=\"EOP SCXW122916809 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:257}\">\u00a0<\/span><\/strong><\/p><p style=\"text-align: left;\">The Bitcoin blockchain is part of a broader FinTech movement that spread rapidly in the years after the Global Financial Crisis (GFC). FinTech evangelists propagated the disruption of financial intermediaries while the incumbent financial institutions started to take a closer look at the underlying technology to understand its disruptive potential. Initially, the focus was on: (a) cryptography for the creation of a trust-less decentralised system for the transfer of digital assets; (b) distributed ledgers for a tamper-resistant networked storage system. Another perspective was added after cryptocurrencies had become an instrument for the financing of FinTech start-ups, and (c) crypto-coins as digital representations of financial and real assets. An understanding of the functioning of these components is a precondition for an assessment of their strengths and weaknesses in the financial industry in general and in Islamic finance in particular. Taking the Bitcoin system as a point of reference, this write-up provides examples that have been selected and that are relevant to Islamic finance<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fdcde46 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"fdcde46\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-96b2815 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"96b2815\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4457185 elementor-widget elementor-widget-text-editor\" data-id=\"4457185\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4655dd2 elementor-widget elementor-widget-heading\" data-id=\"4655dd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/Islamic-Financial-Services-Industry-Stability-Report-2019_En.pdf\" target=\"_blank\" rel=\"nofollow\">\u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c181038 elementor-widget elementor-widget-qi_addons_for_elementor_icon_with_text\" data-id=\"c181038\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_icon_with_text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-icon-with-text qodef-layout--before-content qodef--custom-icon qodef-column-responsive--never\" >\n\t\t\t<div class=\"qodef-m-icon-wrapper\">\n\t\t\t\t<div class=\"qodef-m-icon-holder\">\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18.843\" height=\"19.078\" viewBox=\"0 0 18.843 19.078\"><g id=\"calendar-minimalistic-svgrepo-com\" transform=\"translate(-2 -1.75)\"><path id=\"Path_62\" data-name=\"Path 62\" d=\"M20.843,13.754V11.87c0-.79,0-1.493-.012-2.12H2.012C2,10.377,2,11.079,2,11.87v1.884c0,3.553,0,5.33,1.1,6.433s2.88,1.1,6.433,1.1h3.769c3.553,0,5.33,0,6.433-1.1S20.843,17.307,20.843,13.754Z\" transform=\"translate(0 -0.463)\" fill=\"#ebb437\"><\/path><path id=\"Path_63\" data-name=\"Path 63\" d=\"M7.422,2.457a.707.707,0,1,0-1.413,0V3.944a4.3,4.3,0,0,0-2.9,1.029,4.3,4.3,0,0,0-1.029,2.9H20.773a4.3,4.3,0,0,0-1.029-2.9,4.3,4.3,0,0,0-2.9-1.029V2.457a.707.707,0,1,0-1.413,0V3.882C14.8,3.87,14.1,3.87,13.31,3.87H9.542c-.79,0-1.493,0-2.12.012Z\" transform=\"translate(-0.005)\" fill=\"#ebb437\"><\/path><\/g><\/svg>\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"qodef-m-content\">\n\t\t\t<h4 class=\"qodef-m-title\">\n\t\t\t\t\t<span class=\"qodef-m-title-text\">2019<\/span>\n\t\t\t<\/h4>\n\t\t\t\t\t\t\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b36dd5 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"9b36dd5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-92ea623 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"92ea623\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d35a69b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d35a69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0648\u0627\u0644\u0622\u062b\u0627\u0631 <\/strong><\/p><p style=\"text-align: left;\">Islamic banks today face challenges arising from both market structure dynamics and transformation to digital banking. The adoption of innovative technologies and business models is a prominent emerging trend that is fast changing the ecosystem of the IFSI, and Islamic banks are not immune to these developments. This write-up provides insight into the trends, implications, and way forward for the digital transformation in Islamic banking<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12b8e4a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"12b8e4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e709bf0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"e709bf0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22d3123 elementor-widget elementor-widget-text-editor\" data-id=\"22d3123\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c6ae7d elementor-widget elementor-widget-heading\" data-id=\"2c6ae7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/Islamic-Financial-Services-Industry-Stability-Report-2020_En.pdf\" target=\"_blank\" rel=\"nofollow\">\u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb068dc elementor-widget elementor-widget-qi_addons_for_elementor_icon_with_text\" data-id=\"eb068dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_icon_with_text.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-icon-with-text qodef-layout--before-content qodef--custom-icon qodef-column-responsive--never\" >\n\t\t\t<div class=\"qodef-m-icon-wrapper\">\n\t\t\t\t<div class=\"qodef-m-icon-holder\">\n\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18.843\" height=\"19.078\" viewBox=\"0 0 18.843 19.078\"><g id=\"calendar-minimalistic-svgrepo-com\" transform=\"translate(-2 -1.75)\"><path id=\"Path_62\" data-name=\"Path 62\" d=\"M20.843,13.754V11.87c0-.79,0-1.493-.012-2.12H2.012C2,10.377,2,11.079,2,11.87v1.884c0,3.553,0,5.33,1.1,6.433s2.88,1.1,6.433,1.1h3.769c3.553,0,5.33,0,6.433-1.1S20.843,17.307,20.843,13.754Z\" transform=\"translate(0 -0.463)\" fill=\"#ebb437\"><\/path><path id=\"Path_63\" data-name=\"Path 63\" d=\"M7.422,2.457a.707.707,0,1,0-1.413,0V3.944a4.3,4.3,0,0,0-2.9,1.029,4.3,4.3,0,0,0-1.029,2.9H20.773a4.3,4.3,0,0,0-1.029-2.9,4.3,4.3,0,0,0-2.9-1.029V2.457a.707.707,0,1,0-1.413,0V3.882C14.8,3.87,14.1,3.87,13.31,3.87H9.542c-.79,0-1.493,0-2.12.012Z\" transform=\"translate(-0.005)\" fill=\"#ebb437\"><\/path><\/g><\/svg>\t<\/div>\n\t\t<\/div>\n\t\t<div class=\"qodef-m-content\">\n\t\t\t<h4 class=\"qodef-m-title\">\n\t\t\t\t\t<span class=\"qodef-m-title-text\">2020<\/span>\n\t\t\t<\/h4>\n\t\t\t\t\t\t\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f4ce392 e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"f4ce392\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-dd659cd e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"dd659cd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-22881f2 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"22881f2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-712bd11 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"712bd11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e752c16 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e752c16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dda9149 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"dda9149\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c3aae6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"0c3aae6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a869e2f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a869e2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74d113a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"74d113a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62fd184 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"62fd184\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b6e0010 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"b6e0010\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c1f64f elementor-widget elementor-widget-heading\" data-id=\"0c1f64f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0627\u0645 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea812e5 elementor-widget elementor-widget-eael-adv-tabs\" data-id=\"ea812e5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"dib-con\" data-widget_type=\"eael-adv-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div data-scroll-on-click=\"no\" data-scroll-speed=\"300\" id=\"eael-advance-tabs-ea812e5\" class=\"eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active  active-caret-on\" data-tabid=\"ea812e5\">\n            <div class=\"eael-tabs-nav \">\n                <ul class=\"\" role=\"tablist\">\n                                            <li id=\"dib-1\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"true\" data-tab=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"dib-1-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/span>                                                    <\/li>\n                                            <li id=\"dib-2\" class=\"inactive eael-tab-item-trigger eael-tab-nav-item\" aria-selected=\"false\" data-tab=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"dib-2-tab\" aria-expanded=\"false\">\n                            \n                            \n                            \n                                                            <span class=\"eael-tab-title title-after-icon\" >\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a <\/span>                                                    <\/li>\n                    \n                                  <\/ul>\n            <\/div>\n            \n            <div class=\"eael-tabs-content\">\n\t\t        \n                    <div id=\"dib-1-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"dib-1-tab\">\n\t\t\t\t        <p><strong>\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/strong><\/p><p>\u064a\u0637\u0631\u062d \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c\u062a\u0633\u0639\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0628\u062d\u0630\u0631 \u0644\u0636\u0645\u0627\u0646 \u0623\u0644\u0627 \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u0648\u062c\u0647 \u0627\u0644\u0633\u0631\u064a\u0639 \u062a\u062c\u0627\u0647 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0625\u0644\u0649 \u0627\u0646\u062a\u0647\u0627\u0643 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647\u0627 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646. \u0648\u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u062d\u0648\u060c \u062a\u062a\u0628\u0646\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0641\u064a \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u062a\u0645\u0627\u0631\u0633 \u0641\u064a\u0647\u0627 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0646\u062d\u0648 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062f\u0639\u0645 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0623\u0648\u0633\u0639 \u0645\u062b\u0644 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u00a0\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u064a \u0630\u0644\u0643 \u0648\u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0633\u064a\u0627\u0633\u0629\u060c \u0648\u0646\u0636\u062c \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u062a\u0648\u0627\u0641\u0631 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u063a\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0636\u0639\u062a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0644\u0648\u0627\u0626\u062d \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0648\u0642\u062f \u0637\u0628\u0642\u062a \u0645\u0646\u0627\u0637\u0642 \u0623\u062e\u0631\u0649 \u00a0\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u00a0\u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0631\u0642\u0645\u064a\u0629.<\/p><p style=\"text-align: left\">\u00a0<\/p>                    <\/div>\n\t\t        \n                    <div id=\"dib-2-tab\" class=\"clearfix eael-tab-content-item inactive\" data-title-link=\"dib-2-tab\">\n\t\t\t\t        <p><strong>\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a <\/strong><strong>\u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a<\/strong><\/p>                    <\/div>\n\t\t                    <\/div>\n        <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5f2e1d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"b5f2e1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2e50fba e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"2e50fba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1980c82 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"1980c82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abf54d3 elementor-widget-mobile__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"abf54d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2477872 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2477872\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abdb744 elementor-widget-tablet__width-initial elementor-widget elementor-widget-heading\" data-id=\"abdb744\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0631\u0648\u0627\u0628\u0637<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-589297b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"589297b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.bis.org\/topic\/fintech.htm?m=3096\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0645\u0631\u0643\u0632 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631  \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0628\u0646\u0643 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629  <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.imf.org\/en\/Topics\/fintech\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0645\u0631\u0643\u0632 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a  <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ecb.europa.eu\/paym\/digital_euro\/html\/index.en.html\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/blogs.worldbank.org\/tags\/digital-platforms\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.afi-global.org\/working-groups\/dfs\/\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0645\u062c\u0645\u0648\u0639\u0629 \u0639\u0645\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u062a\u062d\u0627\u0644\u0641 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/ifnfintech.com\/\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.amf.org.ae\/en\/fintech\" target=\"_blank\" rel=\"nofollow\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0639\u0631\u0628\u064a :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u062d\u0648\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u062c\u0645\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0648\u0627\u0636\u0639\u064a \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0641\u0627\u0639\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0648\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0625\u0644\u0649 \u062a\u0633\u0647\u064a\u0644 \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629\u060c \u0644\u062a\u062d\u062f\u064a\u062f \u0648\u062a\u0633\u0644\u064a\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0631\u0624\u064a\u0629 \u0645\u062a\u0639\u0645\u0642\u0629 \u062d\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0645\u0634\u0627\u0631\u0643\u062a\u0647\u0627 \u0645\u0639 \u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646. \u0643\u0645\u0627 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u062d\u062b\u064a\u0629.\u00a0 DIGITALISATION PLATFORM \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0645\u0646\u0635\u0629: .\u062a\u062d\u062f\u064a\u062f \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062a\u0648\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0633\u0627\u0628 \u0631\u0624\u064a\u0629 \u0623\u0643\u062b\u0631 \u062a\u0639\u0645\u0642\u064b\u0627 \u062d\u0648\u0644 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u00a0\u0627\u0644\u0639\u0645\u0644 \u0643\u0646\u0642\u0637\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0648\u0646 \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u064a\u0646 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0628\u0634\u0623\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062c\u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062a\u0648\u062c\u0647 \u0639\u0645\u0644 \u0648\u0636\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0645\u0627 \u064a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0644\u0635\u0646\u0627\u0639\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0645\u0631\u0648\u0646\u0629 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062a\u062a\u0645\u062d\u0648\u0631 \u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629: \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629. \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u0648 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629. \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629. \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0644\u0627\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0648\u0631\u0642\u0629 \u0639\u0645\u0644 \u0631\u0642\u0645 2020\/12\/19) \u0627\u0644\u062e\u0644\u0627\u0635\u0629 This exploratory working paper investigates the activities relating to the digital transformation process of Islamic banks (IBs). Data elicited via a survey questionnaire from 80 IBs across 21 Islamic Financial Services Board member jurisdictions were subjected to descriptive analysis to investigate the IBs\u2019 rationales for digitalisation, as well as their current status and the technologies they have adopted. The paper also investigates the regulatory approaches, challenges, prudential risks, and financial stability implications of the digitalisation of Islamic banking. The paper found that in most IBs the digitalisation process is still in progress but has gained more traction since the outbreak of the COVID-19 pandemic. Among many other pertinent reasons cited in the paper, strengthening competitiveness, enhancing operational efficiency, and improving customer satisfaction are the main rationales for IBs\u2019 digitalisation drive. The technologies adopted include mobile and digital wallets, biometric authentication, and artificial programming interface. Notwithstanding, IBs\u2019 digitalisation drive has been impeded by legacy infrastructure, and by the lack of both the requisite human resources and open banking infrastructure and architecture. The paper examines the implications of the benefits and the risks of digitalisation for the stability of the Islamic banking industry and makes recommendations on the way forward \u062a\u062d\u0645\u064a\u0644 \u0645\u0642\u062a\u0637\u0641\u0627\u062a \u0645\u0646 \u062a\u0642\u0631\u064a\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u062a\u0642\u0646\u064a\u0649\u0629 \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644 (\u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646):\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u00a0 The Bitcoin blockchain is part of a broader FinTech movement that spread rapidly in the years after the Global Financial Crisis (GFC). FinTech evangelists propagated the disruption of financial intermediaries while the incumbent financial institutions started to take a closer look at the underlying technology to understand its disruptive potential. Initially, the focus was on: (a) cryptography for the creation of a trust-less decentralised system for the transfer of digital assets; (b) distributed ledgers for a tamper-resistant networked storage system. Another perspective was added after cryptocurrencies had become an instrument for the financing of FinTech start-ups, and (c) crypto-coins as digital representations of financial and real assets. An understanding of the functioning of these components is a precondition for an assessment of their strengths and weaknesses in the financial industry in general and in Islamic finance in particular. Taking the Bitcoin system as a point of reference, this write-up provides examples that have been selected and that are relevant to Islamic finance \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2019 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0648\u0627\u0644\u0622\u062b\u0627\u0631 Islamic banks today face challenges arising from both market structure dynamics and transformation to digital banking. The adoption of innovative technologies and business models is a prominent emerging trend that is fast changing the ecosystem of the IFSI, and Islamic banks are not immune to these developments. This write-up provides insight into the trends, implications, and way forward for the digital transformation in Islamic banking \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2020 \u062c\u062f\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0627\u0645 2024 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u064a\u0637\u0631\u062d \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c\u062a\u0633\u0639\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0628\u062d\u0630\u0631 \u0644\u0636\u0645\u0627\u0646 \u0623\u0644\u0627 \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u0648\u062c\u0647 \u0627\u0644\u0633\u0631\u064a\u0639 \u062a\u062c\u0627\u0647 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0625\u0644\u0649 \u0627\u0646\u062a\u0647\u0627\u0643 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647\u0627 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646. \u0648\u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u062d\u0648\u060c \u062a\u062a\u0628\u0646\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0641\u064a \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u062a\u0645\u0627\u0631\u0633 \u0641\u064a\u0647\u0627 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0646\u062d\u0648 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062f\u0639\u0645 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0623\u0648\u0633\u0639 \u0645\u062b\u0644 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u00a0\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u064a \u0630\u0644\u0643 \u0648\u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0633\u064a\u0627\u0633\u0629\u060c \u0648\u0646\u0636\u062c \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u062a\u0648\u0627\u0641\u0631 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u063a\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0636\u0639\u062a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0644\u0648\u0627\u0626\u062d \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0648\u0642\u062f \u0637\u0628\u0642\u062a \u0645\u0646\u0627\u0637\u0642 \u0623\u062e\u0631\u0649 \u00a0\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u00a0\u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u00a0 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0631\u0648\u0627\u0628\u0637 \u0645\u0631\u0643\u0632 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0628\u0646\u0643 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0645\u0631\u0643\u0632 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0639\u0645\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u062a\u062d\u0627\u0644\u0641 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0639\u0631\u0628\u064a :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_eb_attr":"","_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"footnotes":""},"ppma_author":[149,151,156],"class_list":["post-27997","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ifsb.org\/ar\/\u0627\u0644\u0645\u0646\u0635\u0629-\u0627\u0644\u0631\u0642\u0645\u0646\u0629\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board\" \/>\n<meta property=\"og:description\" content=\"\u062d\u0648\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u062c\u0645\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0648\u0627\u0636\u0639\u064a \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0641\u0627\u0639\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0648\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0625\u0644\u0649 \u062a\u0633\u0647\u064a\u0644 \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629\u060c \u0644\u062a\u062d\u062f\u064a\u062f \u0648\u062a\u0633\u0644\u064a\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0631\u0624\u064a\u0629 \u0645\u062a\u0639\u0645\u0642\u0629 \u062d\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0645\u0634\u0627\u0631\u0643\u062a\u0647\u0627 \u0645\u0639 \u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646. \u0643\u0645\u0627 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u062d\u062b\u064a\u0629.\u00a0 DIGITALISATION PLATFORM \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0645\u0646\u0635\u0629: .\u062a\u062d\u062f\u064a\u062f \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062a\u0648\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0633\u0627\u0628 \u0631\u0624\u064a\u0629 \u0623\u0643\u062b\u0631 \u062a\u0639\u0645\u0642\u064b\u0627 \u062d\u0648\u0644 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u00a0\u0627\u0644\u0639\u0645\u0644 \u0643\u0646\u0642\u0637\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0648\u0646 \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u064a\u0646 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0628\u0634\u0623\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062c\u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062a\u0648\u062c\u0647 \u0639\u0645\u0644 \u0648\u0636\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0645\u0627 \u064a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0644\u0635\u0646\u0627\u0639\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0645\u0631\u0648\u0646\u0629 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062a\u062a\u0645\u062d\u0648\u0631 \u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629: \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629. \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u0648 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629. \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629. \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0644\u0627\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0648\u0631\u0642\u0629 \u0639\u0645\u0644 \u0631\u0642\u0645 2020\/12\/19) \u0627\u0644\u062e\u0644\u0627\u0635\u0629 This exploratory working paper investigates the activities relating to the digital transformation process of Islamic banks (IBs). Data elicited via a survey questionnaire from 80 IBs across 21 Islamic Financial Services Board member jurisdictions were subjected to descriptive analysis to investigate the IBs\u2019 rationales for digitalisation, as well as their current status and the technologies they have adopted. The paper also investigates the regulatory approaches, challenges, prudential risks, and financial stability implications of the digitalisation of Islamic banking. The paper found that in most IBs the digitalisation process is still in progress but has gained more traction since the outbreak of the COVID-19 pandemic. Among many other pertinent reasons cited in the paper, strengthening competitiveness, enhancing operational efficiency, and improving customer satisfaction are the main rationales for IBs\u2019 digitalisation drive. The technologies adopted include mobile and digital wallets, biometric authentication, and artificial programming interface. Notwithstanding, IBs\u2019 digitalisation drive has been impeded by legacy infrastructure, and by the lack of both the requisite human resources and open banking infrastructure and architecture. The paper examines the implications of the benefits and the risks of digitalisation for the stability of the Islamic banking industry and makes recommendations on the way forward \u062a\u062d\u0645\u064a\u0644 \u0645\u0642\u062a\u0637\u0641\u0627\u062a \u0645\u0646 \u062a\u0642\u0631\u064a\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u062a\u0642\u0646\u064a\u0649\u0629 \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644 (\u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646):\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u00a0 The Bitcoin blockchain is part of a broader FinTech movement that spread rapidly in the years after the Global Financial Crisis (GFC). FinTech evangelists propagated the disruption of financial intermediaries while the incumbent financial institutions started to take a closer look at the underlying technology to understand its disruptive potential. Initially, the focus was on: (a) cryptography for the creation of a trust-less decentralised system for the transfer of digital assets; (b) distributed ledgers for a tamper-resistant networked storage system. Another perspective was added after cryptocurrencies had become an instrument for the financing of FinTech start-ups, and (c) crypto-coins as digital representations of financial and real assets. An understanding of the functioning of these components is a precondition for an assessment of their strengths and weaknesses in the financial industry in general and in Islamic finance in particular. Taking the Bitcoin system as a point of reference, this write-up provides examples that have been selected and that are relevant to Islamic finance \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2019 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0648\u0627\u0644\u0622\u062b\u0627\u0631 Islamic banks today face challenges arising from both market structure dynamics and transformation to digital banking. The adoption of innovative technologies and business models is a prominent emerging trend that is fast changing the ecosystem of the IFSI, and Islamic banks are not immune to these developments. This write-up provides insight into the trends, implications, and way forward for the digital transformation in Islamic banking \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2020 \u062c\u062f\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0627\u0645 2024 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u064a\u0637\u0631\u062d \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c\u062a\u0633\u0639\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0628\u062d\u0630\u0631 \u0644\u0636\u0645\u0627\u0646 \u0623\u0644\u0627 \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u0648\u062c\u0647 \u0627\u0644\u0633\u0631\u064a\u0639 \u062a\u062c\u0627\u0647 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0625\u0644\u0649 \u0627\u0646\u062a\u0647\u0627\u0643 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647\u0627 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646. \u0648\u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u062d\u0648\u060c \u062a\u062a\u0628\u0646\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0641\u064a \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u062a\u0645\u0627\u0631\u0633 \u0641\u064a\u0647\u0627 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0646\u062d\u0648 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062f\u0639\u0645 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0623\u0648\u0633\u0639 \u0645\u062b\u0644 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u00a0\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u064a \u0630\u0644\u0643 \u0648\u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0633\u064a\u0627\u0633\u0629\u060c \u0648\u0646\u0636\u062c \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u062a\u0648\u0627\u0641\u0631 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u063a\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0636\u0639\u062a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0644\u0648\u0627\u0626\u062d \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0648\u0642\u062f \u0637\u0628\u0642\u062a \u0645\u0646\u0627\u0637\u0642 \u0623\u062e\u0631\u0649 \u00a0\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u00a0\u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u00a0 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0631\u0648\u0627\u0628\u0637 \u0645\u0631\u0643\u0632 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0628\u0646\u0643 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0645\u0631\u0643\u0632 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0639\u0645\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u062a\u062d\u0627\u0644\u0641 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0639\u0631\u0628\u064a :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ifsb.org\/ar\/\u0627\u0644\u0645\u0646\u0635\u0629-\u0627\u0644\u0631\u0642\u0645\u0646\u0629\/\" \/>\n<meta property=\"og:site_name\" content=\"Islamic Financial Services Board\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/checkpoint\/828281030927956\/?next=httpswww.facebook.comislamicfinancialservicesboard\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-17T01:47:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png\" \/>\n\t<meta property=\"og:image:width\" content=\"519\" \/>\n\t<meta property=\"og:image:height\" content=\"324\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@IFSB_org\" \/>\n<meta name=\"twitter:label1\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 \u062f\u0642\u0627\u0626\u0642\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/\",\"url\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/\",\"name\":\"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board\",\"isPartOf\":{\"@id\":\"https:\/\/www.ifsb.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png\",\"datePublished\":\"2023-12-19T23:56:16+00:00\",\"dateModified\":\"2024-12-17T01:47:02+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#breadcrumb\"},\"inLanguage\":\"ar\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage\",\"url\":\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png\",\"contentUrl\":\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.ifsb.org\/ar\/home-ar\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.ifsb.org\/#website\",\"url\":\"https:\/\/www.ifsb.org\/\",\"name\":\"Islamic Financial Services Board\",\"description\":\"Islamic Financial Services Board\",\"publisher\":{\"@id\":\"https:\/\/www.ifsb.org\/#organization\"},\"alternateName\":\"IFSB\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.ifsb.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ar\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.ifsb.org\/#organization\",\"name\":\"Islamic Financial Services Board\",\"alternateName\":\"IFSB\",\"url\":\"https:\/\/www.ifsb.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ar\",\"@id\":\"https:\/\/www.ifsb.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/10\/Islamic_Financial_Services_Board__Logo_-removebg-preview.png\",\"contentUrl\":\"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/10\/Islamic_Financial_Services_Board__Logo_-removebg-preview.png\",\"width\":341,\"height\":148,\"caption\":\"Islamic Financial Services Board\"},\"image\":{\"@id\":\"https:\/\/www.ifsb.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/checkpoint\/828281030927956\/?next=httpswww.facebook.comislamicfinancialservicesboard\",\"https:\/\/x.com\/IFSB_org\",\"https:\/\/www.youtube.com\/user\/IFSBVideos\",\"https:\/\/www.linkedin.com\/company\/islamic-financial-services-board\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ifsb.org\/ar\/\u0627\u0644\u0645\u0646\u0635\u0629-\u0627\u0644\u0631\u0642\u0645\u0646\u0629\/","og_locale":"ar_AR","og_type":"article","og_title":"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board","og_description":"\u062d\u0648\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u062a\u0645 \u0625\u0646\u0634\u0627\u0621 \u0645\u0646\u0635\u0629 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0644\u062c\u0645\u0639 \u0648\u0646\u0634\u0631 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062d\u0648\u0644 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0639\u0627\u0648\u0646 \u0628\u064a\u0646 \u0634\u0628\u0643\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0648\u0627\u0636\u0639\u064a \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0648\u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0641\u0627\u0639\u0644\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642. \u0648\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0625\u0644\u0649 \u062a\u0633\u0647\u064a\u0644 \u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u0627\u0644\u062a\u0646\u0633\u064a\u0642 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629\u060c \u0644\u062a\u062d\u062f\u064a\u062f \u0648\u062a\u0633\u0644\u064a\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0627\u0644\u062d\u0627\u0633\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0648\u062a\u0637\u0648\u064a\u0631 \u0631\u0624\u064a\u0629 \u0645\u062a\u0639\u0645\u0642\u0629 \u062d\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0645\u0634\u0627\u0631\u0643\u062a\u0647\u0627 \u0645\u0639 \u0627\u0644\u0645\u0646\u0638\u0645\u064a\u0646 \u0648\u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0622\u062e\u0631\u064a\u0646. \u0643\u0645\u0627 \u062a\u0639\u0645\u0644 \u0627\u0644\u0645\u0646\u0635\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a \u0644\u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0628\u062d\u062b\u064a\u0629.\u00a0 DIGITALISATION PLATFORM \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0644\u0645\u0646\u0635\u0629: .\u062a\u062d\u062f\u064a\u062f \u0648\u0645\u0631\u0627\u0642\u0628\u0629 \u0627\u0644\u062a\u0648\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0648\u0627\u0643\u062a\u0633\u0627\u0628 \u0631\u0624\u064a\u0629 \u0623\u0643\u062b\u0631 \u062a\u0639\u0645\u0642\u064b\u0627 \u062d\u0648\u0644 \u0627\u0644\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0624\u062b\u0631 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u00a0\u0627\u0644\u0639\u0645\u0644 \u0643\u0646\u0642\u0637\u0629 \u0645\u062d\u0648\u0631\u064a\u0629 \u0644\u0644\u062a\u0639\u0627\u0648\u0646 \u0648\u0627\u0644\u062d\u0648\u0627\u0631 \u0648\u062a\u0628\u0627\u062f\u0644 \u0627\u0644\u0645\u0639\u0631\u0641\u0629 \u0628\u064a\u0646 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0645\u0635\u0644\u062d\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u064a\u0646 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0645\u0634\u0631\u0641\u064a\u0646 \u0648\u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0635\u0646\u0627\u0639\u0629 \u0628\u0634\u0623\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u0641\u064a \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062c\u0645\u0639 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0633\u062a\u0648\u062c\u0647 \u0639\u0645\u0644 \u0648\u0636\u0639 \u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631 \u0648\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0628\u0645\u0627 \u064a\u062a\u0645\u0627\u0634\u0649 \u0645\u0639 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0644\u0644\u0635\u0646\u0627\u0639\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0645\u0631\u0648\u0646\u0629 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629. \u062a\u062a\u0645\u062d\u0648\u0631 \u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 \u062d\u0648\u0644 \u0627\u0644\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629: \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629. \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0634\u0641\u0631\u0629. \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u0648 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629. \u0627\u0644\u0627\u0633\u062a\u062f\u0627\u0645\u0629. \u0623\u0633\u0648\u0627\u0642 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0644\u0627\u0645\u0631\u0643\u0632\u064a. \u0627\u0644\u0625\u0635\u062f\u0627\u0631\u0627\u062a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0646\u0634\u0648\u0631\u0629: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0641\u064a \u0627\u0644\u0635\u064a\u0631\u0641\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 (\u0648\u0631\u0642\u0629 \u0639\u0645\u0644 \u0631\u0642\u0645 2020\/12\/19) \u0627\u0644\u062e\u0644\u0627\u0635\u0629 This exploratory working paper investigates the activities relating to the digital transformation process of Islamic banks (IBs). Data elicited via a survey questionnaire from 80 IBs across 21 Islamic Financial Services Board member jurisdictions were subjected to descriptive analysis to investigate the IBs\u2019 rationales for digitalisation, as well as their current status and the technologies they have adopted. The paper also investigates the regulatory approaches, challenges, prudential risks, and financial stability implications of the digitalisation of Islamic banking. The paper found that in most IBs the digitalisation process is still in progress but has gained more traction since the outbreak of the COVID-19 pandemic. Among many other pertinent reasons cited in the paper, strengthening competitiveness, enhancing operational efficiency, and improving customer satisfaction are the main rationales for IBs\u2019 digitalisation drive. The technologies adopted include mobile and digital wallets, biometric authentication, and artificial programming interface. Notwithstanding, IBs\u2019 digitalisation drive has been impeded by legacy infrastructure, and by the lack of both the requisite human resources and open banking infrastructure and architecture. The paper examines the implications of the benefits and the risks of digitalisation for the stability of the Islamic banking industry and makes recommendations on the way forward \u062a\u062d\u0645\u064a\u0644 \u0645\u0642\u062a\u0637\u0641\u0627\u062a \u0645\u0646 \u062a\u0642\u0631\u064a\u0631 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629: \u062a\u0642\u0646\u064a\u0649\u0629 \u0633\u0644\u0633\u0644\u0629 \u0627\u0644\u0643\u062a\u0644 (\u0627\u0644\u0628\u0644\u0648\u0643 \u062a\u0634\u064a\u0646):\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629\u00a0 The Bitcoin blockchain is part of a broader FinTech movement that spread rapidly in the years after the Global Financial Crisis (GFC). FinTech evangelists propagated the disruption of financial intermediaries while the incumbent financial institutions started to take a closer look at the underlying technology to understand its disruptive potential. Initially, the focus was on: (a) cryptography for the creation of a trust-less decentralised system for the transfer of digital assets; (b) distributed ledgers for a tamper-resistant networked storage system. Another perspective was added after cryptocurrencies had become an instrument for the financing of FinTech start-ups, and (c) crypto-coins as digital representations of financial and real assets. An understanding of the functioning of these components is a precondition for an assessment of their strengths and weaknesses in the financial industry in general and in Islamic finance in particular. Taking the Bitcoin system as a point of reference, this write-up provides examples that have been selected and that are relevant to Islamic finance \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2019 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u0627\u0644\u0627\u062a\u062c\u0627\u0647\u0627\u062a \u0648\u0627\u0644\u0622\u062b\u0627\u0631 Islamic banks today face challenges arising from both market structure dynamics and transformation to digital banking. The adoption of innovative technologies and business models is a prominent emerging trend that is fast changing the ecosystem of the IFSI, and Islamic banks are not immune to these developments. This write-up provides insight into the trends, implications, and way forward for the digital transformation in Islamic banking \u062a\u0642\u0631\u064a\u0631 \u0623\u0633\u062a\u0642\u0631\u0627\u0631 \u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0635\u0627\u062f\u0631 \u0639\u0646 \u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0642\u0636\u0627\u064a\u0627 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a 2020 \u062c\u062f\u0648\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0641\u0646\u064a \u0644\u0645\u062c\u0644\u0633 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0627\u0645 2024 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u064a\u0637\u0631\u062d \u0627\u0644\u062a\u0642\u062f\u0645 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u062a\u062d\u062f\u064a\u0627\u062a \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0648\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0623\u0645\u0627\u0645 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0627\u0644\u064a. \u0648\u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c\u062a\u0633\u0639\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0628\u062d\u0630\u0631 \u0644\u0636\u0645\u0627\u0646 \u0623\u0644\u0627 \u064a\u0624\u062f\u064a \u0627\u0644\u062a\u0648\u062c\u0647 \u0627\u0644\u0633\u0631\u064a\u0639 \u062a\u062c\u0627\u0647 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a \u0625\u0644\u0649 \u0627\u0646\u062a\u0647\u0627\u0643 \u0633\u0644\u0627\u0645\u0629 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0633\u062a\u0642\u0631\u0627\u0631\u0647\u0627 \u0648\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646. \u0648\u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0646\u062d\u0648\u060c \u062a\u062a\u0628\u0646\u0649 \u0627\u0644\u0633\u0644\u0637\u0627\u062a \u0627\u0644\u0631\u0642\u0627\u0628\u064a\u0629 \u0648\u0627\u0644\u0625\u0634\u0631\u0627\u0641\u064a\u0629 \u00a0\u0641\u064a \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u062a\u064a \u062a\u0645\u0627\u0631\u0633 \u0641\u064a\u0647\u0627 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0623\u0633\u0627\u0644\u064a\u0628 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0645\u062e\u062a\u0644\u0641\u0629 \u0646\u062d\u0648 \u0631\u0642\u0645\u0646\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0644\u062f\u0639\u0645 \u0627\u0644\u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0623\u0648\u0633\u0639 \u0645\u062b\u0644 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0648\u0627\u0644\u0645\u0646\u0627\u0641\u0633\u0629\u060c \u0648\u0642\u064a\u0645\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u00a0\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u064a \u0630\u0644\u0643 \u0648\u0627\u0639\u062a\u0645\u0627\u062f\u064b\u0627 \u0639\u0644\u0649 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0633\u064a\u0627\u0633\u0629\u060c \u0648\u0646\u0636\u062c \u0627\u0644\u0633\u0648\u0642\u060c \u0648\u062a\u0648\u0627\u0641\u0631 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u063a\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0636\u0639\u062a \u0628\u0639\u0636 \u0627\u0644\u062f\u0648\u0644 \u0644\u0648\u0627\u0626\u062d \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0647\u0627\u060c \u0648\u0642\u062f \u0637\u0628\u0642\u062a \u0645\u0646\u0627\u0637\u0642 \u0623\u062e\u0631\u0649 \u00a0\u0627\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0648\u0627\u0644\u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u00a0\u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0631\u0642\u0645\u064a\u0629. \u00a0 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 \u0646\u0638\u064a\u0631 \u0625\u0644\u0649 \u0646\u0638\u064a\u0631 \u0648\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u062c\u0645\u0627\u0639\u064a \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a \u0627\u0644\u0631\u0648\u0627\u0628\u0637 \u0645\u0631\u0643\u0632 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0628\u0646\u0643 \u0627\u0644\u062a\u0633\u0648\u064a\u0627\u062a \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0645\u0631\u0643\u0632 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062f\u0648\u0644\u064a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0645\u062f\u0648\u0646\u0627\u062a \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u062f\u0648\u0644\u064a \u0645\u062c\u0645\u0648\u0639\u0629 \u0639\u0645\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u062a\u062d\u0627\u0644\u0641 \u0627\u0644\u0634\u0645\u0648\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0639\u0631\u0628\u064a :\u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629","og_url":"https:\/\/www.ifsb.org\/ar\/\u0627\u0644\u0645\u0646\u0635\u0629-\u0627\u0644\u0631\u0642\u0645\u0646\u0629\/","og_site_name":"Islamic Financial Services Board","article_publisher":"https:\/\/www.facebook.com\/checkpoint\/828281030927956\/?next=httpswww.facebook.comislamicfinancialservicesboard","article_modified_time":"2024-12-17T01:47:02+00:00","og_image":[{"width":519,"height":324,"url":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_site":"@IFSB_org","twitter_misc":{"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631":"7 \u062f\u0642\u0627\u0626\u0642"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/","url":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/","name":"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629 - Islamic Financial Services Board","isPartOf":{"@id":"https:\/\/www.ifsb.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage"},"image":{"@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage"},"thumbnailUrl":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png","datePublished":"2023-12-19T23:56:16+00:00","dateModified":"2024-12-17T01:47:02+00:00","breadcrumb":{"@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#breadcrumb"},"inLanguage":"ar","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/"]}]},{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#primaryimage","url":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png","contentUrl":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/12\/dp_02.png"},{"@type":"BreadcrumbList","@id":"https:\/\/www.ifsb.org\/ar\/%d8%a7%d9%84%d9%85%d9%86%d8%b5%d8%a9-%d8%a7%d9%84%d8%b1%d9%82%d9%85%d9%86%d8%a9\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ifsb.org\/ar\/home-ar\/"},{"@type":"ListItem","position":2,"name":"\u0627\u0644\u0645\u0646\u0635\u0629 \u0627\u0644\u0631\u0642\u0645\u0646\u0629"}]},{"@type":"WebSite","@id":"https:\/\/www.ifsb.org\/#website","url":"https:\/\/www.ifsb.org\/","name":"Islamic Financial Services Board","description":"Islamic Financial Services Board","publisher":{"@id":"https:\/\/www.ifsb.org\/#organization"},"alternateName":"IFSB","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ifsb.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ar"},{"@type":"Organization","@id":"https:\/\/www.ifsb.org\/#organization","name":"Islamic Financial Services Board","alternateName":"IFSB","url":"https:\/\/www.ifsb.org\/","logo":{"@type":"ImageObject","inLanguage":"ar","@id":"https:\/\/www.ifsb.org\/#\/schema\/logo\/image\/","url":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/10\/Islamic_Financial_Services_Board__Logo_-removebg-preview.png","contentUrl":"https:\/\/www.ifsb.org\/wp-content\/uploads\/2023\/10\/Islamic_Financial_Services_Board__Logo_-removebg-preview.png","width":341,"height":148,"caption":"Islamic Financial Services Board"},"image":{"@id":"https:\/\/www.ifsb.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/checkpoint\/828281030927956\/?next=httpswww.facebook.comislamicfinancialservicesboard","https:\/\/x.com\/IFSB_org","https:\/\/www.youtube.com\/user\/IFSBVideos","https:\/\/www.linkedin.com\/company\/islamic-financial-services-board\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/pages\/27997","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/comments?post=27997"}],"version-history":[{"count":98,"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/pages\/27997\/revisions"}],"predecessor-version":[{"id":36868,"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/pages\/27997\/revisions\/36868"}],"wp:attachment":[{"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/media?parent=27997"}],"wp:term":[{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.ifsb.org\/ar\/wp-json\/wp\/v2\/ppma_author?post=27997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}