{"id":14706,"date":"2023-03-20T09:24:13","date_gmt":"2023-03-20T09:24:13","guid":{"rendered":"https:\/\/geoeconomics.ge\/?p=14706"},"modified":"2023-03-20T09:24:13","modified_gmt":"2023-03-20T09:24:13","slug":"%e1%83%98%e1%83%a7%e1%83%98%e1%83%93%e1%83%94-%e1%83%90%e1%83%ae%e1%83%9a%e1%83%90-%e1%83%92%e1%83%90%e1%83%93%e1%83%90%e1%83%98%e1%83%ae%e1%83%90%e1%83%93%e1%83%94-%e1%83%9b%e1%83%9d%e1%83%92","status":"publish","type":"post","link":"https:\/\/geoeconomics.ge\/?p=14706","title":{"rendered":"<strong>\u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7<\/strong>"},"content":{"rendered":"\n<p>\u10d0\u10d5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0<br><strong>\u10e5\u10d4\u10d7\u10d4\u10d5\u10d0\u10dc \u10d1\u10d0\u10da\u10d0\u10dc\u10e9\u10d8\u10d5\u10d0\u10eb\u10d4<\/strong><\/p>\n\n\n\n<p>\u10d8\u10d5\u10d0\u10dc\u10d4 \u10ef\u10d0\u10d5\u10d0\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d8\u10e1<br>\u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d0\u10d9\u10e3\u10da\u10e2\u10d4\u10e2\u10d8\u10e1 III \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8<\/p>\n\n\n\n<p><a href=\"mailto:ketiqeti65@gmail.com\">ketiqeti65@gmail.com<\/a><\/p>\n\n\n\n<p><strong>\u10d0\u10dc\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0<\/strong><\/p>\n\n\n\n<p>21-\u10d4 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4\u10e8\u10d8 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4\u10dd\u10d1\u10d0\u10e1 \u10e4\u10d4\u10ee\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d4\u10d1\u10db\u10d0\u10ea \u10d0\u10e3\u10ec\u10e7\u10d5\u10d4\u10e1. \u10d0\u10db \u10e1\u10e2\u10d0\u10e2\u10d8\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5 \u10d4\u10e0\u10d7-\u10d4\u10e0\u10d7 \u10db\u10d0\u10d7\u10d2\u10d0\u10dc\u10e1. \u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7, Buy Now, Pay Later, \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10e1 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d3\u10d0 \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d8\u10e1 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e1 \u10d0\u10e0 \u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8\u10ea \u10e1\u10ec\u10e0\u10d0\u10e4\u10d0\u10d3 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd\u10dc \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d8 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10dd\u10dc\u10da\u10d0\u10d8\u10dc, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d8\u10e0\u10d0\u10d3\u10d0\u10d3 \u10e1\u10d0\u10d5\u10d0\u10ed\u10e0\u10dd \u10e5\u10e1\u10d4\u10da\u10e8\u10d8. \u10e1\u10e2\u10d0\u10e2\u10d8\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5 \u10db\u10d8\u10e1 \u10d8\u10e0\u10d2\u10d5\u10da\u10d8\u10d5 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da \u10d7\u10d4\u10db\u10d4\u10d1\u10e1, \u10d5\u10e1\u10d0\u10e3\u10d1\u10e0\u10dd\u10d1 \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10d6\u10d4 \u10d7\u10e3 \u10e0\u10d0\u10e2\u10dd\u10db \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10d0\u10d5\u10e1 \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10e3\u10db\u10e0\u10d0\u10d5\u10da\u10d4\u10e1\u10dd\u10d1\u10d0, \u10d5\u10d4\u10ee\u10d4\u10d1\u10d8 \u10db\u10d8\u10e1 \u10d2\u10d0\u10e0\u10e8\u10d4\u10db\u10dd \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da \u10e1\u10e2\u10d0\u10e2\u10d8\u10e1\u10e2\u10d8\u10d9\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10d4\u10d1\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10d0\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d1\u10d4\u10dc \u10d0\u10db \u10e1\u10d0\u10d2\u10d0\u10d3\u10d0\u10e1\u10d0\u10ee\u10d0\u10d3\u10dd \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10dd\u10d1\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10e1. \u10d1\u10d4\u10d5\u10e0 \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d5\u10e7\u10dd\u10e4 \u10d0\u10db \u10e3\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10e1\u10d8 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10e1 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7 \u10db\u10ee\u10d0\u10e0\u10d4\u10d4\u10d1\u10e1\u10d0\u10ea.<\/p>\n\n\n\n<p><strong>A<\/strong><strong>nnotation<\/strong><\/p>\n\n\n\n<p>In the 21st century, payment methods have also entered modernity. I will discuss one of them in this article. Buy Now, Pay Later as known as BNPL is the most popular service that allows customers to quickly purchase the desired product both online and in person in the shopping network, even if they do not have a budget, through simple and interest-free loans. In the article, I discuss the topics surrounding it, I talk about the reasons why the majority of the population uses this method, I touch on the statistics surrounding it and the platforms that simplify this tax service method. Along with many positives, I will highlight the negative sides of this simple service.<\/p>\n\n\n\n<p><strong>Buy Now Pay Later (BNPL)<\/strong><\/p>\n\n\n\n<p>\u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d8\u10d2\u10d8\u10d5\u10d4 BNPL \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10e1 \u10db\u10dd\u10d9\u10da\u10d4\u10d5\u10d0\u10d3\u10d8\u10d0\u10dc\u10d8 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e2\u10d8\u10de\u10e1, \u10db\u10d8\u10e1\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0\u10d7 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd\u10dc \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10ea\u10d8\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10dd\u10dc \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10d8 \u10db\u10dd\u10db\u10d0\u10d5\u10d0\u10da\u10e8\u10d8. \u10e1\u10ee\u10d5\u10d0 \u10e1\u10d8\u10e2\u10e7\u10d5\u10d4\u10d1\u10d8\u10d7 \u10e0\u10dd\u10db \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7 \u10d8\u10e1 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d2\u10d0\u10d5\u10d8\u10d2\u10dd\u10d7 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7 \u10e4\u10e3\u10da\u10d8\u10e1 \u10d3\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d0\u10d4\u10e0\u10d7\u10d8\u10d0\u10dc\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1, \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e1\u10e2\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10d5\u10d0\u10ed\u10e0\u10d4\u10d1\u10e1. \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e1\u10e2\u10d4\u10d1\u10d8 \u10ec\u10d0\u10e0\u10db\u10dd\u10d0\u10d3\u10d2\u10d4\u10dc\u10d4\u10dc \u10e8\u10e3\u10d0\u10db\u10d0\u10d5\u10da\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10d5\u10d0\u10ed\u10e0\u10d4\u10d4\u10d1\u10e1 \u10e8\u10dd\u10e0\u10d8\u10e1, \u10d0\u10dc\u10e3 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e1\u10e2\u10d4\u10d1\u10d8 \u10e3\u10ee\u10d3\u10d8\u10d0\u10dc \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10e1 \u10d5\u10d0\u10ed\u10e0\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10d8\u10d7, \u10db\u10d0\u10e8\u10d8\u10dc \u10e0\u10dd\u10ea\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10e7\u10d8\u10d3\u10e3\u10da\u10dd\u10d1\u10e1 \u10e1\u10d0\u10e5\u10dd\u10dc\u10d4\u10da\u10e1 \u10d0\u10dc \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10d1\u10d0\u10e1. \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d0\u10d7\u10d0 \u10e0\u10d0\u10dd\u10d3\u10d4\u10dc\u10dd\u10d1\u10d0, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d3\u10d0\u10e4\u10d0\u10e0\u10d5\u10d8\u10e1 \u10d5\u10d0\u10d3\u10d0 \u10d2\u10d0\u10dc\u10e1\u10ee\u10d5\u10d0\u10d5\u10d3\u10d4\u10d1\u10d0. \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10e8\u10d4\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10ec\u10d4\u10e1\u10d8, \u10db\u10ea\u10d8\u10e0\u10d4\u10d0 \u10d0\u10dc \u10e1\u10d0\u10d4\u10e0\u10d7\u10dd\u10d3 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u10d3\u10d0 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10e1 \u10e3\u10db\u10d4\u10e2\u10d4\u10e1\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10dc\u10e3\u10da\u10dd\u10d5\u10d0\u10dc\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10d7 \u10d8\u10ee\u10d3\u10d8\u10e1.<\/p>\n\n\n\n<p><strong>\u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0<\/strong><\/p>\n\n\n\n<p>BNPL-\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10d0\u10d3\u10e0\u10d4\u10e3\u10da\u10d8 \u10e4\u10dd\u10e0\u10db\u10d0 \u10db\u10d4-19 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4\u10e8\u10d8 \u10d2\u10d0\u10e9\u10dc\u10d3\u10d0, \u10e0\u10d0\u10d7\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e8\u10d4\u10eb\u10da\u10d4\u10d1\u10dd\u10d3\u10d0\u10d7 \u10eb\u10d5\u10d8\u10e0\u10d0\u10d3\u10e6\u10d8\u10e0\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10eb\u10d4\u10dc\u10d0 \u10db\u10d0\u10e8\u10d8\u10dc\u10d0\u10ea \u10d9\u10d8, \u10d7\u10e3 \u10d8\u10db \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10e8\u10d4\u10e1\u10d0\u10eb\u10d4\u10dc\u10d8 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8 \u10d0\u10e0 \u10d2\u10d0\u10d0\u10e9\u10dc\u10d3\u10d0\u10d7. \u10d8\u10dc\u10d3\u10dd\u10d4\u10d7\u10e8\u10d8, BNPL \u10d2\u10d0\u10dc\u10d8\u10ee\u10d8\u10da\u10d4\u10d1\u10d0, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10e2\u10e0\u10d0\u10d3\u10d8\u10ea\u10d8\u10e3\u10da\u10d8 \u10e5\u10d0\u10e6\u10d0\u10da\u10d3\u10d6\u10d4 \u10d3\u10d0\u10e4\u10e3\u10eb\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 Udhar Khata \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0, \u10e1\u10d0\u10d3\u10d0\u10ea \u10d9\u10e3\u10d7\u10ee\u10d8\u10e1 \u10db\u10d0\u10e6\u10d0\u10d6\u10d8\u10d4\u10d1\u10d8 \u10d8\u10dc\u10d0\u10ee\u10d0\u10d5\u10d3\u10dc\u10d4\u10dc \u10ee\u10d4\u10da\u10d8\u10d7 \u10d0\u10e6\u10e0\u10d8\u10ea\u10ee\u10e3\u10da \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d3\u10d0\u10d5\u10d7\u10d0\u10e0\u10d4\u10d1\u10e1, \u10d0\u10db\u10d8\u10d7 \u10d8\u10e1\u10d8\u10dc\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10d3\u10dc\u10d4\u10dc \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10e1 \u10e8\u10d4\u10d4\u10eb\u10d8\u10dc\u10d0\u10d7 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8 \u10d3\u10d0 \u10e8\u10d4\u10db\u10d3\u10d2\u10dd\u10db \u10d2\u10d0\u10d3\u10d0\u10d4\u10ee\u10d0\u10d3\u10d0\u10d7.<\/p>\n\n\n\n<p>\u10e8\u10d4\u10db\u10d3\u10d2\u10dd\u10db \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0 \u10d3\u10d0\u10d8\u10ec\u10e7\u10dd 21-\u10d4 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10ec\u10e7\u10d8\u10e1\u10e8\u10d8, \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10d8\u10e1 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d4\u10d1\u10d8\u10e1 \u10ec\u10e7\u10d0\u10da\u10dd\u10d1\u10d8\u10d7. \u10d8\u10e1\u10d8\u10dc\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10d3\u10dc\u10d4\u10dc \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10e1, \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10d8\u10dc\u10e2\u10d4\u10d2\u10e0\u10d8\u10e0\u10d4\u10d1\u10d0\u10e1 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10db\u10d0\u10e6\u10d0\u10d6\u10d8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10dc\u10d0\u10d9\u10d0\u10d3\u10e8\u10d8. \u10db\u10d8\u10e1\u10d8 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10d0\u10d3\u10d2\u10d8\u10da\u10d6\u10d4\u10d5\u10d4 \u10d8\u10e6\u10d4\u10d1\u10d3\u10dc\u10d4\u10dc \u10db\u10e7\u10d8\u10e1\u10d8\u10d4\u10e0 \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10e1 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d2\u10d0\u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10d0\u10d3\u10d2\u10d8\u10da\u10d6\u10d4, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc \u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1.\u10d4\u10d2\u10e0\u10d4\u10d7\u10ec\u10dd\u10d3\u10d4\u10d1\u10e3\u10da\u10d8 \u10d5\u10d0\u10da\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d0\u10d3 \u10d9\u10d8 \u10ee\u10d3\u10d4\u10d1\u10d0 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u10e8\u10d4\u10d7\u10d0\u10dc\u10db\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10e0\u10d0\u10e4\u10d8\u10d9\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7. [1]<\/p>\n\n\n\n<p>\u10d7\u10e3 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10e1, \u10e0\u10dd\u10db \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10ea\u10d8\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd\u10e1 BNPL-\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7, \u10d0\u10db \u10e8\u10d4\u10db\u10d7\u10ee\u10d4\u10d5\u10d4\u10e8\u10d8 \u10e1\u10d0\u10e5\u10db\u10d4\u10e8\u10d8 \u10d4\u10e0\u10d7\u10d5\u10d4\u10d1\u10d0 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e1\u10e2\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d0\u10d3 \u10d0\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d8\u10dc\u10e4\u10dd\u10e0\u10db\u10d0\u10ea\u10d8\u10d8\u10e1 \u10e8\u10d4\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d0\u10e1 \u10d3\u10d0 \u10db\u10e7\u10d8\u10e1\u10d8\u10d4\u10e0\u10d0\u10d3 \u10d0\u10d1\u10e0\u10e3\u10dc\u10d4\u10d1\u10e1 \u10e3\u10d9\u10d0\u10dc \u10de\u10d0\u10e1\u10e3\u10ee\u10e1. \u10d7\u10d0\u10dc\u10ee\u10db\u10dd\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d8\u10e1\u10e2\u10d8 \u10d8\u10ee\u10d3\u10d8\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d0\u10e1 \u10d3\u10d0 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10db\u10d4\u10d7\u10dd\u10d3\u10e1, \u10db\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3: \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d2\u10d0\u10e7\u10dd\u10e4\u10d0\u10e1, \u10d2\u10d0\u10d3\u10d0\u10d5\u10d0\u10d3\u10d4\u10d1\u10d0\u10e1.<\/p>\n\n\n\n<p><strong>\u10e0\u10d0\u10e2\u10dd\u10db \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1?<\/strong><\/p>\n\n\n\n<p>Buy Now, Pay Later-\u10d8\u10e1 (BNPL) \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10d8 \u10d2\u10d0\u10ee\u10d3\u10d0 \u10e8\u10d5\u10d4\u10d3\u10e3\u10e0\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5 \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 Klarna-\u10e1 \u10ec\u10e7\u10d0\u10da\u10dd\u10d1\u10d8\u10d7. \u10e4\u10d8\u10e0\u10db\u10d0\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10d0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10de\u10d8\u10e0\u10dd\u10d1\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d0\u10d7 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d4\u10d1\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10d3\u10d0\u10d7 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10ea\u10d8\u10d0 \u10d4\u10e7\u10d8\u10d3\u10d0\u10d7 \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7. \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d8\u10d3\u10d0\u10dc \u10db\u10d0\u10da\u10d4\u10d5\u10d4 \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10db\u10d0 90 \u10db\u10d8\u10da\u10d8\u10dd\u10dc\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10d3\u10d0 250 000 \u10e1\u10d0\u10ea\u10d0\u10da\u10dd \u10db\u10dd\u10d5\u10d0\u10ed\u10e0\u10d4 \u10d3\u10d0\u10d0\u10d8\u10dc\u10e2\u10d4\u10e0\u10d4\u10e1\u10d0 \u10db\u10d7\u10d4\u10da\u10e1 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8. [2]<\/p>\n\n\n\n<p><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 1: BNPL-\u10d8\u10e1 \u10de\u10e0\u10d8\u10dd\u10e0\u10d8\u10e2\u10d4\u10e2\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/1-4.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"146\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/1-4.png\" alt=\"\" class=\"wp-image-14707\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/1-4.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/1-4-300x97.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p>\u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"https:\/\/hbswk.hbs.edu\/item\/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers\">https:\/\/hbswk.hbs.edu\/item\/buy-now-pay-later-how-retails-hot-feature-hurts-lower-income-shoppers<\/a><\/p>\n\n\n\n<p>&nbsp;&nbsp; \u10db\u10dd\u10ea\u10d4\u10db\u10e3\u10da\u10d8 \u10db\u10d0\u10e5\u10d5\u10e1 \u10ea\u10ee\u10d8\u10e0\u10d8\u10da\u10d8, \u10e1\u10d0\u10d3\u10d0\u10ea \u10ec\u10d0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da\u10d8\u10d0 Motley Fool-\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10d9\u10d8\u10d7\u10ee\u10d5\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea 2022 \u10ec\u10da\u10d8\u10e1 29 \u10d8\u10d5\u10dc\u10d8\u10e1\u10e1 Pollfish for the Ascent-\u10d8\u10e1 \u10db\u10d4\u10e8\u10d5\u10d4\u10dd\u10d1\u10d8\u10d7 \u10d3\u10d0\u10d8\u10ec\u10e7\u10dd. \u10d8\u10e1 \u10ec\u10d0\u10e0\u10db\u10dd\u10d2\u10d5\u10d8\u10d3\u10d2\u10d4\u10dc\u10e1 \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10db\u10d0\u10d7 \u10de\u10e0\u10dd\u10de\u10dd\u10e0\u10ea\u10d8\u10e3\u10da \u10d2\u10d0\u10d3\u10d0\u10dc\u10d0\u10ec\u10d8\u10da\u10d4\u10d1\u10d0\u10e1 \u10d8\u10db\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 \u10d7\u10e3 \u10e0\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d0 BNPL. 45%-\u10e1 \u10ee\u10d8\u10d1\u10da\u10d0\u10d5\u10e1 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10dd\u10e0\u10d8, \u10e0\u10dd\u10db \u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e1 \u10d0\u10e0 \u10e5\u10dd\u10dc\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8\u10ea \u10e8\u10d4\u10e3\u10eb\u10da\u10d8\u10d0 \u10e8\u10d4\u10dc\u10d0\u10eb\u10d4\u10dc\u10d8\u10e1 \u10d2\u10d0\u10d9\u10d4\u10d7\u10d4\u10d1\u10d0, 25%-\u10e1 \u10d0\u10d6\u10e0\u10d8\u10d7 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10e1\u10d4\u10e1\u10ee\u10d4\u10d1\u10d0 \u10e7\u10dd\u10d5\u10d4\u10da\u10d2\u10d5\u10d0\u10e0\u10d8 \u10e8\u10d4\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10db\u10d0\u10d7\u10d7\u10d5\u10d8\u10e1 \u10de\u10e0\u10d8\u10dd\u10e0\u10dd\u10e2\u10d4\u10e2\u10e3\u10da\u10d8\u10d0, \u10ee\u10dd\u10da\u10dd 37% \u10d9\u10db\u10d0\u10e7\u10dd\u10e4\u10d8\u10da\u10d8\u10d0 BNPL, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10d0\u10e0 \u10e3\u10ec\u10d4\u10d5\u10d7 \u10dc\u10d0\u10e1\u10d4\u10e1\u10ee\u10d4\u10d1 \u10d7\u10d0\u10dc\u10ee\u10d0\u10d6\u10d4 \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0.<\/p>\n\n\n\n<p><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 2:&nbsp; \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10d8, \u10e0\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10ea \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc BNPL-\u10e1<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/2-3.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"159\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/2-3.png\" alt=\"\" class=\"wp-image-14708\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/2-3.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/2-3-300x106.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p>\u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#reasons\">https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#reasons<\/a><\/p>\n\n\n\n<p>&nbsp;&nbsp; \u10d9\u10d8\u10d3\u10d4\u10d5 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d2\u10d0\u10db\u10dd\u10d5\u10e7\u10dd\u10d7 \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10d8 \u10d7\u10e3 \u10e0\u10d0\u10e2\u10dd\u10db \u10d8\u10e0\u10e9\u10d4\u10d5\u10e1 \u10ee\u10d0\u10da\u10ee\u10d8 \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3: \u10e3\u10e4\u10e0\u10dd \u10d0\u10d3\u10d5\u10d8\u10da\u10d8\u10d0 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10dc\u10ee\u10dd\u10e0\u10ea\u10d8\u10d4\u10da\u10d4\u10d1\u10d0, \u10d0\u10ee\u10d0\u10e1\u10d8\u10d0\u10d7\u10d4\u10d1\u10e1 \u10db\u10d4\u10e2\u10d8 \u10db\u10dd\u10e5\u10dc\u10d8\u10da\u10dd\u10d1\u10d0, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10e1\u10d0\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d0\u10d9\u10d5\u10d4\u10d7\u10d4\u10d1\u10d8, \u10d0\u10e5\u10d5\u10e1 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d3\u10d0\u10db\u10e2\u10d9\u10d8\u10ea\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10d8, \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d3\u10d0\u10d1\u10e0\u10e3\u10dc\u10d4\u10d1\u10d0 \u10ee\u10d3\u10d4\u10d1\u10d0 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d3\u10d0 \u10d0\u10e5\u10d5\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d8\u10e1 \u10d3\u10d0\u10d1\u10d0\u10da\u10d8 \u10da\u10d8\u10db\u10d8\u10e2\u10d8. \u10d4\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0 \u10db\u10d8\u10d6\u10d4\u10d6\u10d8 \u10d0\u10e1\u10d0\u10ee\u10e3\u10da\u10d8\u10d0 \u10ea\u10ee\u10e0\u10d8\u10da 2-\u10e8\u10d8.<\/p>\n\n\n\n<p><strong>\u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10e3\u10da\u10d8 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<p>&nbsp;&nbsp; \u10e5\u10d5\u10d4\u10db\u10dd\u10d7 \u10db\u10dd\u10e7\u10d5\u10d0\u10dc\u10d8\u10da\u10d8 \u10ea\u10ee\u10e0\u10d8\u10da\u10d8 \u10d2\u10d5\u10d8\u10e9\u10d5\u10d4\u10dc\u10d4\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 \u10e8\u10dd\u10e0\u10d8\u10e1 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10de\u10dd\u10de\u10e3\u10da\u10d0\u10e0\u10e3\u10da \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<p><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 3: \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8 \u10d3\u10d0 <\/strong><strong>BNPL<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/3-3.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"117\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/3-3.png\" alt=\"\" class=\"wp-image-14709\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/3-3.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/3-3-300x78.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p>\u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#stats\">https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#stats<\/a><\/p>\n\n\n\n<p>\u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5 \u10e7\u10d5\u10d4\u10da\u10d0 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10d0\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10ee\u10d4\u10da\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10e1 BNPL \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e1.<\/p>\n\n\n\n<p><strong>1)PayPal \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8.<\/strong> \u10d0\u10db \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1 \u10d4\u10eb\u10da\u10d4\u10d1\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0 \u10e1\u10d0\u10d9\u10e3\u10d7\u10d0\u10e0\u10d8 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8 \u10d2\u10d0\u10e7\u10dd\u10e1 4 \u10dc\u10d0\u10ec\u10d8\u10da\u10d0\u10d3 \u10d3\u10d0 \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10dd\u10e1 \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd\u10d3. \u10e1\u10d4\u10e1\u10ee\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0 \u10ee\u10d3\u10d4\u10d1\u10d0 \u10dd\u10e0 \u10d9\u10d5\u10d8\u10e0\u10d0\u10e8\u10d8 \u10d4\u10e0\u10d7\u10ee\u10d4\u10da. \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1 \u10d0\u10e5\u10d5\u10e1 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d8, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d8 \u10db\u10ee\u10d0\u10e0\u10d4. \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7\u10d8 \u10d0\u10e0\u10d8\u10e1 \u10d8\u10e1, \u10e0\u10dd\u10db \u10d0\u10db \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0\u10e1 \u10d0\u10ee\u10d0\u10e1\u10d8\u10d0\u10d7\u10d4\u10d1\u10e1 \u10d0\u10d5\u10e2\u10dd\u10db\u10d0\u10e2\u10e3\u10e0\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0, \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10d3\u10d0\u10ea\u10d5\u10d0 \u10d3\u10d0 \u10e0\u10d4\u10d2\u10d8\u10e1\u10e2\u10e0\u10d0\u10ea\u10d8\u10d8\u10e1 \u10d0\u10dc \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d3\u10d0\u10e4\u10d0\u10e0\u10d5\u10d0. \u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 \u10db\u10d8\u10e1 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7 \u10db\u10ee\u10d0\u10e0\u10d4\u10e1, \u10d4\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0 \u10d0\u10e0 \u10d0\u10e0\u10d8\u10e1 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8 \u10e7\u10d5\u10d4\u10da\u10d2\u10d0\u10dc.<\/p>\n\n\n\n<p><strong>2)Afterpay \u10d8\u10d2\u10d8\u10d5\u10d4 \u10e8\u10d4\u10db\u10d3\u10d2\u10dd\u10db\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0. <\/strong>\u10db\u10d8\u10e1\u10d8 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d8\u10e0\u10d0\u10d3\u10d0\u10d3 \u10e8\u10d4\u10e0\u10e9\u10d4\u10e3\u10da \u10db\u10d0\u10e6\u10d0\u10d6\u10d8\u10d4\u10d1\u10e8\u10d8. \u10d4\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d0 \u10d3\u10d0\u10e7\u10dd\u10e1 \u10dd\u10d7\u10ee \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10dc\u10d5\u10d0\u10d3\u10d4\u10d1\u10d0\u10d3, \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea PayPal \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10e1, \u10d7\u10e3\u10db\u10ea\u10d0 \u10d4\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0 \u10d4\u10e5\u10d5\u10e1\u10d9\u10d5\u10d8\u10e0\u10d8\u10d0\u10dc \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e1 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1. \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d8 \u10db\u10ee\u10d0\u10e0\u10d4\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10dd\u10e4\u10d0 \u10d8\u10e1 \u10e4\u10d0\u10e5\u10e2\u10d8, \u10e0\u10dd\u10db \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d0 \u10d0\u10e4\u10d0\u10e1\u10d4\u10d1\u10e1 \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d0\u10e4\u10d0\u10e1\u10e3\u10e0\u10e1 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10e4\u10d0\u10e1\u10d8\u10e1 25 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d0\u10db\u10d3\u10d4. \u10d7\u10e3\u10db\u10ea\u10d0, \u10d2\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10d7 \u10d1\u10d4\u10d5\u10e0 \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0\u10e1, \u10e0\u10dd\u10d2\u10dd\u10e0\u10d8\u10ea\u10d0\u10d0 \u10db\u10d0\u10e6\u10d0\u10d6\u10d8\u10d8\u10e1 \u10e4\u10d0\u10e1\u10d3\u10d0\u10d9\u10da\u10d4\u10d1\u10d0 \u10db\u10d8\u10e1\u10d8 \u10d0\u10de\u10da\u10d8\u10d9\u10d0\u10ea\u10d8\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10ef\u10d8\u10da\u10d3\u10dd\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d8\u10d7.<\/p>\n\n\n\n<p><strong>3)Affirm.<\/strong> \u10d0\u10e4\u10d8\u10e0\u10db\u10d8 \u10d0\u10e0 \u10e3\u10ee\u10d3\u10d8\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10ec\u10da\u10d8\u10e3\u10e0 \u10d0\u10dc \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10e3\u10da \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10e1\u10d0\u10d9\u10dd\u10db\u10d8\u10e1\u10d8\u10dd\u10e1. \u10d9\u10dd\u10db\u10de\u10d0\u10dc\u10d8\u10d8\u10e1 \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8\u10d0 \u10dd\u10dc\u10da\u10d0\u10d8\u10dc, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d8\u10e0\u10d0\u10d3\u10d0\u10d3 \u10d0\u10d7\u10d0\u10e1\u10dd\u10d1\u10d8\u10d7 \u10e1\u10d0\u10ea\u10d0\u10da\u10dd \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e5\u10d5\u10d4\u10e7\u10dc\u10d8\u10e1 \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10d7, \u10d8\u10e1\u10d4 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea Afterpay \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1.<\/p>\n\n\n\n<p><strong>4)Klarna. <\/strong>\u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d6\u10d4\u10d5\u10d8\u10d7 \u10d2\u10d0\u10dc\u10ee\u10d8\u10da\u10e3\u10da\u10d8 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8, \u10d4\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10ea \u10e7\u10dd\u10e4\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d0\u10e1 \u10dd\u10d7\u10ee \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10dc\u10d0\u10ec\u10d8\u10da\u10d0\u10d3 \u10d3\u10d0 \u10d8\u10e1 \u10db\u10d0\u10d7\u10e1\u10d0\u10d5\u10d8\u10d7 \u10ee\u10d4\u10da\u10db\u10d8\u10e1\u10d0\u10ec\u10d5\u10d3\u10dd\u10db\u10d8\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10dd\u10dc\u10da\u10d0\u10d8\u10dc, \u10d8\u10e1\u10d4 \u10de\u10d8\u10e0\u10d0\u10d3\u10d0\u10d3&nbsp; \u10dc\u10d4\u10d1\u10d8\u10e1\u10db\u10d8\u10d4\u10e0 \u10e1\u10d0\u10ea\u10d0\u10da\u10dd \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d8\u10e1 \u10dd\u10d1\u10d8\u10d4\u10e5\u10e2\u10e8\u10d8. \u10d9\u10da\u10d0\u10e0\u10dc\u10d0\u10e1 \u10d0\u10e5\u10d5\u10e1 \u10e4\u10d0\u10e1\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d8\u10dc\u10e1\u10e2\u10e0\u10e3\u10db\u10d4\u10dc\u10e2\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d4\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10d3\u10d0\u10d6\u10dd\u10d2\u10dd\u10dc \u10e4\u10e3\u10da\u10d8 \u10d3\u10d0 \u10db\u10d8\u10d8\u10e6\u10dd\u10dc \u10ef\u10d8\u10da\u10d3\u10dd\u10d4\u10d1\u10d8 \u10e7\u10dd\u10d5\u10d4\u10da\u10d8 \u10d3\u10d0\u10ee\u10d0\u10e0\u10ef\u10e3\u10da\u10d8 \u10d3\u10dd\u10da\u10d0\u10e0\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10d0\u10ea \u10d4\u10e0\u10d7\u10d2\u10d5\u10d0\u10e0\u10d8 \u10db\u10dd\u10e2\u10d8\u10d5\u10d0\u10ea\u10d8\u10d0\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10d8\u10e7\u10d4\u10dc\u10dd\u10dc \u10d4\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0.<\/p>\n\n\n\n<p><strong>5)Zip \u10d8\u10d2\u10d8\u10d5\u10d4 Zip Pay.<\/strong> \u10d4\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d0\u10ea \u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10e1 4 \u10e3\u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10d4\u10e5\u10d5\u10e1\u10d9\u10d5\u10d8\u10e0\u10d8\u10d0\u10dc \u10de\u10d4\u10e0\u10d8\u10dd\u10d3\u10e1 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1. Zip \u10d0\u10e0\u10d8\u10e1 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d8 BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10e1\u10d0\u10ea \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 94000-\u10d6\u10d4 \u10db\u10d4\u10e2\u10d8 \u10d5\u10d0\u10ed\u10d0\u10e0\u10d8 \u10db\u10d7\u10d4\u10da\u10e1 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e8\u10d8.Klarna-\u10e1 \u10db\u10e1\u10d2\u10d0\u10d5\u10e1\u10d0\u10d3 Zip\u10d8\u10ea \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10e1 \u10ef\u10d8\u10da\u10d3\u10dd\u10d4\u10d1\u10e1\u10d0 \u10d3\u10d0 \u10e4\u10d0\u10e1\u10d3\u10d0\u10d9\u10da\u10d4\u10d1\u10d4\u10d1\u10e1 \u10e8\u10d4\u10e0\u10e9\u10d4\u10e3\u10da \u10e1\u10d0\u10ea\u10d0\u10da\u10dd \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d0\u10e8\u10d8. [3]<\/p>\n\n\n\n<p>\u10e0\u10d0\u10ea \u10e8\u10d4\u10d4\u10ee\u10d4\u10d1\u10d0 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1, \u10d0\u10db \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8 \u10ee\u10d4\u10da\u10e8\u10d4\u10ec\u10e7\u10dd\u10d1\u10d0\u10e1 \u10d2\u10d5\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d1\u10d0\u10dc\u10d9\u10d8\u10e1 \u10d0\u10ee\u10d0\u10da\u10d8 \u10e8\u10d4\u10db\u10dd\u10d7\u10d0\u10d5\u10d0\u10d6\u10d4\u10d1\u10d0 \u10e1\u10d0\u10ee\u10d4\u10da\u10d0\u10d3 \u201e\u10dc\u10d0\u10ec\u10d8\u10da-\u10dc\u10d0\u10ec\u10d8\u10da\u201c. \u10d4\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10d4\u10d1\u10e1 \u10e1\u10d7\u10d0\u10d5\u10d0\u10d6\u10dd\u10d1\u10e1 \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10dc\u10d8\u10d5\u10d7\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10eb\u10d4\u10dc\u10d0\u10e1 \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10d8\u10db \u10e4\u10d0\u10e1\u10d0\u10d3, \u10e0\u10d0\u10ea \u10e0\u10d4\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 \u10e6\u10d8\u10e0\u10e1 \u10e7\u10dd\u10d5\u10d4\u10da\u10d2\u10d5\u10d0\u10e0\u10d8 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10d8\u10e1\u10d0 \u10d7\u10e3 \u10e1\u10d0\u10d9\u10dd\u10db\u10d8\u10e1\u10d8\u10dd\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4. \u201e\u10dc\u10d0\u10ec\u10d8\u10da-\u10dc\u10d0\u10ec\u10d8\u10da\u201c \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd \u10db\u10d0\u10e1\u10e8\u10e2\u10d0\u10d1\u10d8\u10e1 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d8\u10eb\u10da\u10d4\u10d5\u10d0 \u10d9\u10da\u10d8\u10d4\u10dc\u10e2\u10db\u10d0 \u10d2\u10d0\u10e7\u10dd\u10e1 \u10d7\u10d0\u10dc\u10ee\u10d0 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10db\u10d4 \u10dc\u10d0\u10ec\u10d8\u10da\u10d0\u10d3,&nbsp; \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10dd\u10e1 \u10d6\u10e3\u10e1\u10e2\u10d0\u10d3 \u10d8\u10db\u10d3\u10d4\u10dc\u10d8 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d8\u10ea \u10e6\u10d8\u10e0\u10e1 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10ea\u10d8\u10d0 \u10d3\u10d0 \u10d0\u10e0 \u10d8\u10e4\u10d8\u10e5\u10e0\u10dd\u10e1 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d0\u10d6\u10d4. [4]<\/p>\n\n\n\n<p>\u10e1\u10d0\u10d3\u10d0\u10d5\u10dd \u10d0\u10e0\u10d0\u10d0 \u10d8\u10e1 \u10e1\u10d0\u10d9\u10d8\u10d7\u10ee\u10d8, \u10e0\u10dd\u10db BNPL \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d9\u10dd\u10db\u10e4\u10dd\u10e0\u10e2\u10e3\u10da\u10d8 \u10d3\u10d0 \u10db\u10dd\u10e1\u10d0\u10ee\u10d4\u10e0\u10ee\u10d4\u10d1\u10d4\u10da\u10d8 \u10e1\u10d8\u10e1\u10e2\u10d4\u10db\u10d0\u10d0 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d7\u10d0\u10ea \u10d8\u10d6\u10d8\u10d3\u10d0\u10d5\u10d7 \u10d5\u10d0\u10ed\u10e0\u10dd\u10d1\u10d0 \u10e1\u10ee\u10d5\u10d0\u10d3\u10d0\u10e1\u10ee\u10d5\u10d0 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d8\u10d7\u10d0 \u10d3\u10d0 \u10db\u10dd\u10db\u10e1\u10d0\u10e3\u10e0\u10d4\u10dd\u10d1\u10d8\u10d7, \u10d2\u10d0\u10e0\u10d3\u10d0 \u10d0\u10db\u10d8\u10e1\u10d0 \u10db\u10d8\u10e1 \u10d8\u10e0\u10d2\u10d5\u10da\u10d8\u10d5 \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8 \u10ee\u10d4\u10da\u10e1 \u10e3\u10ec\u10e7\u10dd\u10d1\u10e1 \u10db\u10d8\u10e1 \u10d2\u10d0\u10dc\u10d5\u10d8\u10d7\u10d0\u10e0\u10d4\u10d1\u10d0\u10e1\u10d0 \u10d3\u10d0 \u10d3\u10d0\u10dc\u10d4\u10e0\u10d2\u10d5\u10d0\u10e1. \u10d7\u10e3\u10db\u10ea\u10d0 \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d0\u10d5\u10d8\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10dd\u10d7 \u10d8\u10e1 \u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10d4\u10d4\u10d1\u10d8, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea BNPL-\u10d8\u10e1 \u10d8\u10e0\u10d2\u10d5\u10da\u10d8\u10d5 \u10e2\u10e0\u10d8\u10d0\u10da\u10d4\u10d1\u10d4\u10dc.<\/p>\n\n\n\n<p><strong>BNPL<\/strong><strong>-\u10d8\u10e1 \u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10d4\u10d4\u10d1\u10d8<\/strong><\/p>\n\n\n\n<p>\u10db\u10d4\u10d3\u10d0\u10da\u10e1 \u10dd\u10e0\u10d8 \u10db\u10ee\u10d0\u10e0\u10d4 \u10d0\u10e5\u10d5\u10e1, \u10d2\u10d0\u10db\u10dd\u10dc\u10d0\u10d9\u10da\u10d8\u10e1\u10d8 \u10d0\u10e0\u10ea \u10d4\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10d0. \u10d1\u10d4\u10d5\u10e0 \u10d3\u10d0\u10d3\u10d4\u10d1\u10d8\u10d7 \u10db\u10ee\u10d0\u10e0\u10d4\u10e1\u10d7\u10d0\u10dc \u10d4\u10e0\u10d7\u10d0\u10d3 BNPL-\u10d8\u10e1 \u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10d4\u10d4\u10d1\u10d6\u10d4\u10ea \u10e3\u10dc\u10d3\u10d0 \u10d5\u10d8\u10e1\u10d0\u10e3\u10d1\u10e0\u10dd\u10d7.<\/p>\n\n\n\n<p>\u10d4\u10e1 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10dd\u10d1\u10d0 \u10d8\u10db\u10d3\u10d4\u10dc\u10d0\u10d3 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10d3\u10d0 \u10e3\u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10dd\u10d0, \u10e0\u10dd\u10db \u10e8\u10d4\u10d8\u10eb\u10da\u10d4\u10d1\u10d0 \u10d2\u10d0\u10d3\u10d0\u10d8\u10d6\u10d0\u10e0\u10d3\u10dd\u10e1 \u10db\u10d0\u10d5\u10dc\u10d4 \u10d3\u10d0\u10db\u10dd\u10d9\u10d8\u10d3\u10d4\u10d1\u10e3\u10da\u10d4\u10d1\u10d0\u10e8\u10d8 \u10d8\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10dd\u10db\u10da\u10d4\u10d1\u10d8\u10ea \u10db\u10d0\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ed\u10d0\u10e0\u10d1\u10d4\u10d1\u10e3\u10da\u10d0\u10d3 \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10d4\u10dc. \u10d0\u10db \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10db\u10d0\u10dc\u10d8\u10de\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10d7 \u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10d1\u10d4\u10d5\u10e0\u10d8 \u10d0\u10e0\u10d0\u10e1\u10d0\u10ed\u10d8\u10e0\u10dd \u10d5\u10d0\u10da\u10d8\u10e1 \u10d3\u10d0\u10d2\u10e0\u10dd\u10d5\u10d4\u10d1\u10d0\u10d0 \u10e8\u10d4\u10e1\u10d0\u10eb\u10da\u10d4\u10d1\u10d4\u10da\u10d8. \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10d0\u10d5 \u10dd\u10e0 \u10eb\u10d8\u10e0\u10d8\u10d7\u10d0\u10d3 \u10db\u10d0\u10d5\u10dc\u10d4 \u10de\u10e0\u10dd\u10ea\u10d4\u10e1\u10e1, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea BNPL \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 \u10d7\u10d0\u10dc\u10db\u10d3\u10d4\u10d5\u10d8\u10d0. \u10e1\u10d8\u10e1\u10ec\u10e0\u10d0\u10e4\u10d4 \u10d3\u10d0 \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d8\u10e1\u10e2\u10dd\u10e0\u10d8\u10d8\u10e1 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10e8\u10d4\u10db\u10dd\u10ec\u10db\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d4\u10e1\u10d8 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10d8\u10db\u10de\u10e3\u10da\u10e1\u10e3\u10e0\u10d8 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d0\u10da\u10d1\u10d0\u10d7\u10dd\u10d1\u10d0\u10e1. \u10d7\u10e3 \u10d0\u10d3\u10e0\u10d4 \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10dc\u10d8\u10d5\u10d7\u10d8\u10e1 \u10dc\u10d0\u10ee\u10d5\u10d8\u10e1\u10d0\u10e1 \u10e4\u10d8\u10e5\u10e0\u10dd\u10d1\u10d3\u10d8 \u10db\u10d0\u10e0\u10d7\u10da\u10d0 \u10d2\u10ed\u10d8\u10e0\u10d3\u10d4\u10d1\u10dd\u10d3\u10d0 \u10d7\u10e3 \u10d0\u10e0\u10d0\u10d0 \u10db\u10d8\u10e1\u10d8 \u10e8\u10d4\u10eb\u10d4\u10dc\u10d0 \u10d3\u10d0 \u10e0\u10d0\u10db\u10d3\u10d4\u10dc\u10d0\u10d3 \u10d2\u10d0\u10eb\u10da\u10d4\u10d5\u10d3\u10d0 \u10e8\u10d4\u10dc\u10d8 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8 \u10d0\u10db \u10e2\u10e0\u10d0\u10dc\u10d6\u10d0\u10e5\u10ea\u10d8\u10d8\u10e1 \u10e9\u10d0\u10e2\u10d0\u10e0\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1, \u10d0\u10ee\u10da\u10d0 \u10d0\u10db \u10e7\u10d5\u10d4\u10da\u10d0\u10e4\u10d4\u10e0\u10e1 \u10d0\u10d8\u10d2\u10dc\u10dd\u10e0\u10d4\u10d1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8 \u10db\u10d0\u10dc\u10d8\u10de\u10e3\u10da\u10d0\u10ea\u10d8\u10d8\u10d7 \u10e8\u10d4\u10d2\u10d8\u10eb\u10da\u10d8\u10d0 \u10e8\u10d4\u10d8\u10eb\u10d8\u10dc\u10dd \u10e1\u10d0\u10e1\u10e3\u10e0\u10d5\u10d4\u10da\u10d8 \u10dc\u10d8\u10d5\u10d7\u10d8 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10dd\u10dc\u10da\u10d0\u10d8\u10dc, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10de\u10d8\u10e0\u10d0\u10d3\u10d0\u10d3 \u10e1\u10d0\u10d5\u10d0\u10ed\u10e0\u10dd \u10dd\u10d1\u10d8\u10d4\u10e5\u10e2\u10e8\u10d8 \u10e7\u10dd\u10d5\u10d4\u10da\u10d2\u10d5\u10d0\u10e0\u10d8 \u10d6\u10d4\u10d3\u10db\u10d4\u10e2\u10d8 \u10e4\u10d8\u10e5\u10e0\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d2\u10d0\u10d7\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4. \u10e8\u10d4\u10db\u10dd\u10e1\u10d0\u10d5\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d0\u10dc\u10d2\u10d0\u10e0\u10d8\u10e8\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10e0\u10d4\u10e8\u10d4 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ec\u10e7\u10d5\u10d4\u10e2\u10d8\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10e6\u10d4\u10d1\u10d0 \u10d6\u10e0\u10d3\u10d8\u10e1 \u10d8\u10db\u10d8\u10e1 \u10d0\u10da\u10d1\u10d0\u10d7\u10dd\u10d1\u10d0\u10e1, \u10e0\u10dd\u10db \u10db\u10dd\u10ee\u10d3\u10d4\u10d1\u10d0 \u10d2\u10d0\u10e0\u10e6\u10d5\u10d4\u10d5\u10d0 \u10e1\u10d0\u10db\u10dd\u10db\u10d0\u10d5\u10da\u10dd \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10e8\u10d8, \u10e0\u10d0\u10ea \u10e8\u10d4\u10db\u10d3\u10d4\u10d2 \u10d2\u10d0\u10db\u10dd\u10d8\u10ec\u10d5\u10d4\u10d5\u10e1 \u10d5\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d0\u10e1 \u10e1\u10d0\u10ee\u10e1\u10e0\u10d4\u10d1\u10d8\u10e1 \u10d0\u10e0\u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10e1 \u10d2\u10d0\u10db\u10dd. \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8 \u10d9\u10d8 \u10e3\u10d0\u10e0\u10e7\u10dd\u10e4\u10d8\u10d7\u10d0\u10d3 \u10d0\u10d8\u10e1\u10d0\u10ee\u10d4\u10d1\u10d0 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10e5\u10e3\u10da\u10d0\u10d6\u10d4.<\/p>\n\n\n\n<p>&nbsp; \u10d0\u10e1\u10d4\u10d5\u10d4 \u10db\u10ee\u10d4\u10d3\u10d5\u10d4\u10da\u10dd\u10d1\u10d8\u10d3\u10d0\u10dc \u10d0\u10e0 \u10e3\u10dc\u10d3\u10d0 \u10d2\u10d0\u10db\u10dd\u10d2\u10d5\u10e0\u10e9\u10d4\u10e1 \u10d0\u10e1\u10d0\u10d9\u10dd\u10d1\u10e0\u10d8\u10d5\u10d8 \u10d9\u10d0\u10e2\u10d4\u10d2\u10dd\u10e0\u10d8\u10d0, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10e3\u10e4\u10e0\u10dd \u10ee\u10e8\u10d8\u10e0\u10d0\u10d3 \u10db\u10d8\u10db\u10d0\u10e0\u10d7\u10d0\u10d5\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1.<\/p>\n\n\n\n<p><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 4: <\/strong><strong>BNPL<\/strong><strong>-\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8 \u10d0\u10e1\u10d0\u10d9\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/4-2.png\"><img decoding=\"async\" loading=\"lazy\" width=\"450\" height=\"86\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/4-2.png\" alt=\"\" class=\"wp-image-14710\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/4-2.png 450w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/4-2-300x57.png 300w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/><\/a><\/figure>\n\n\n\n<p>\u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#apps\">https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/#apps<\/a><\/p>\n\n\n\n<p>\u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d6\u10d4 \u10d3\u10d0\u10e7\u10e0\u10d3\u10dc\u10dd\u10d1\u10d8\u10d7 \u10e8\u10d4\u10d2\u10d5\u10d8\u10eb\u10da\u10d8\u10d0 \u10d5\u10d7\u10e5\u10d5\u10d0\u10d7, \u10e0\u10dd\u10db 18-\u10d3\u10d0\u10dc 35 \u10ec\u10da\u10d0\u10db\u10d3\u10d4 \u10d0\u10e1\u10d0\u10d9\u10d8\u10e1 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d4\u10e2\u10d0\u10d3 \u10d8\u10e7\u10d4\u10d1\u10d4\u10dc\u10d4\u10d1 BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10e1 \u10d7\u10d0\u10d5\u10d8\u10d0\u10dc\u10d7\u10d8 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d3\u10d0\u10e1\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10da\u10d0\u10d3. \u10d0\u10ee\u10d0\u10da\u10d2\u10d0\u10d6\u10e0\u10d3\u10d0 \u10d7\u10d0\u10dd\u10d1\u10d0\u10e8\u10d8 \u10e3\u10e4\u10e0\u10dd \u10db\u10d0\u10e6\u10d0\u10da\u10d8\u10d0 \u10d8\u10db\u10de\u10e3\u10da\u10e1\u10e3\u10e0\u10d8 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8\u10e1 \u10d0\u10da\u10d1\u10d0\u10d7\u10dd\u10d1\u10d0, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d1\u10d8\u10e3\u10ef\u10d4\u10e2\u10d8\u10e1 \u10e1\u10d8\u10db\u10ea\u10d8\u10e0\u10d4. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10db\u10d8\u10e2\u10dd\u10db \u10d2\u10d5\u10d0\u10e5\u10d5\u10e1 \u10d0\u10e1\u10d4\u10d7\u10d8 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d8 \u10ea\u10ee\u10e0\u10d8\u10da\u10e8\u10d8.<\/p>\n\n\n\n<p><strong>\u10e1\u10e2\u10d0\u10e2\u10d8\u10e1\u10e2\u10d8\u10d9\u10d0 \u10d3\u10d0 BNPL<\/strong><\/p>\n\n\n\n<p>21 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4 \u10d0\u10e1\u10dd\u10ea\u10d8\u10e0\u10d3\u10d4\u10d1\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10e2\u10d4\u10e5\u10dc\u10dd\u10da\u10dd\u10d2\u10d8\u10d4\u10d1\u10d7\u10d0\u10dc, \u10e1\u10ec\u10e0\u10d0\u10e4 \u10db\u10dd\u10db\u10e1\u10d0\u10ee\u10e3\u10e0\u10d4\u10dd\u10d1\u10d4\u10d1\u10d7\u10d0\u10dc \u10d3\u10d0 \u10e1\u10d8\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d4\u10d4\u10d1\u10d7\u10d0\u10dc. \u10e1\u10ec\u10dd\u10e0\u10d4\u10d3 \u10d0\u10db\u10d8\u10e2\u10dd\u10db \u10e3\u10d0\u10db\u10e0\u10d0\u10d5\u10d8 \u10d0\u10d3\u10d0\u10db\u10d8\u10d0\u10dc\u10d8 \u10d8\u10e0\u10e9\u10d4\u10d5\u10e1 BNPL \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10e1. \u10d0\u10db\u10d0\u10d6\u10d4 \u10db\u10dd\u10ec\u10db\u10dd\u10d1\u10e1 \u10db\u10d8\u10e1 \u10d2\u10d0\u10e0\u10e8\u10d4\u10db\u10dd \u10d0\u10e0\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e1\u10e2\u10d0\u10e2\u10d8\u10e1\u10e2\u10d8\u10d9\u10d4\u10d1\u10d8\u10ea. \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3 2021 \u10ec\u10da\u10d8\u10e1 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10e1 \u10d7\u10e3 \u10d3\u10d0\u10d5\u10d4\u10e7\u10e0\u10d3\u10dc\u10dd\u10d1\u10d8\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 60% \u10d8\u10e7\u10d4\u10dc\u10d4\u10d1\u10e1 BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10e1. \u10d0\u10db \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10d3\u10d0\u10dc 46% \u10d9\u10d8 \u10d9\u10d5\u10da\u10d0\u10d5 \u10d8\u10ee\u10d3\u10d8\u10e1 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10e1. \u10d2\u10d0\u10db\u10dd\u10d9\u10d8\u10d7\u10ee\u10e3\u10da\u10d7\u10d0 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10ef\u10d0\u10db\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2 \u10d3\u10d0\u10d3\u10d2\u10d8\u10dc\u10d3\u10d0, \u10e0\u10dd\u10db BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10dd \u10d3\u10d0\u10d5\u10d0\u10da\u10d8\u10d0\u10dc\u10d4\u10d1\u10d0 \u10e8\u10d4\u10d0\u10d2\u10d4\u10dc\u10e1 883 \u10d0\u10db\u10d4\u10e0\u10d8\u10d9\u10e3\u10da \u10d3\u10dd\u10da\u10d0\u10e0\u10e1. \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 56%, \u10e3\u10de\u10d8\u10e0\u10d0\u10e2\u10d4\u10e1\u10dd\u10d1\u10d0\u10e1 \u10d0\u10dc\u10d8\u10ed\u10d4\u10d1\u10d4\u10dc&nbsp; \u10e1\u10d0\u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10dd \u10d1\u10d0\u10e0\u10d0\u10d7\u10d4\u10d1\u10e1, \u10d7\u10e3\u10db\u10ea\u10d0 BNPL \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10d4\u10da\u10d7\u10d0 57%-\u10db\u10d0 \u10d2\u10d0\u10dc\u10d0\u10ea\u10ee\u10d0\u10d3\u10d0, \u10e0\u10dd\u10db \u10dc\u10d0\u10dc\u10dd\u10d1\u10e1 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10e1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u201e\u10eb\u10d0\u10da\u10d8\u10d0\u10dc \u10eb\u10d5\u10d8\u10e0\u10d8 \u10d8\u10e7\u10dd\u201c. \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d7\u10d5\u10d0\u10da\u10d8\u10e1\u10ec\u10d8\u10dc\u10d4\u10d1\u10d8\u10d7 \u10dc\u10d0\u10d5\u10d0\u10e0\u10d0\u10e3\u10d3\u10d4\u10d1\u10d8\u10d0, \u10e0\u10dd\u10db 2027 \u10ec\u10da\u10d8\u10e1\u10d7\u10d5\u10d8\u10e1 BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10d7 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10d3\u10d0\u10dc\u10d0\u10ee\u10d0\u10e0\u10ef\u10d4\u10d1\u10d8 \u10d2\u10da\u10dd\u10d1\u10d0\u10da\u10e3\u10e0\u10d0\u10d3 437 \u10db\u10d8\u10da\u10d8\u10d0\u10e0\u10d3 \u10d3\u10dd\u10da\u10d0\u10e0\u10e1 \u10db\u10d8\u10d0\u10e6\u10ec\u10d4\u10d5\u10e1, \u10e0\u10d0\u10ea 290%-\u10d8\u10d0\u10dc\u10d8 \u10d6\u10e0\u10d3\u10d0 \u10d8\u10e5\u10dc\u10d4\u10d1\u10d0 2022 \u10ec\u10d4\u10da\u10d7\u10d0\u10dc \u10e8\u10d4\u10d3\u10d0\u10e0\u10d4\u10d1\u10d8\u10d7.&nbsp; [3]<\/p>\n\n\n\n<p><strong>\u10ea\u10ee\u10e0\u10d8\u10da\u10d8 5: \u10ec\u10da\u10d4\u10d1\u10d8\u10e1 \u10db\u10d8\u10ee\u10d4\u10d3\u10d5\u10d8\u10d7 BNPL-\u10e1 \u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10d4\u10d1\u10d8\u10e1 \u10de\u10e0\u10dd\u10ea\u10d4\u10dc\u10e2\u10dd\u10d1\u10d0<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/5-2.png\"><img decoding=\"async\" loading=\"lazy\" width=\"500\" height=\"90\" src=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/5-2.png\" alt=\"\" class=\"wp-image-14711\" srcset=\"https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/5-2.png 500w, https:\/\/geoeconomics.ge\/wp-content\/uploads\/2023\/03\/5-2-300x54.png 300w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/a><\/figure>\n\n\n\n<p>\u10ec\u10e7\u10d0\u10e0\u10dd: <a href=\"https:\/\/www.fool.com\/the-ascent\/research\/buy-now-pay-later-statistics\/\">https:\/\/www.fool.com\/the-ascent\/research\/buy-now-pay-later-statistics\/<\/a><\/p>\n\n\n\n<p>\u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10e1\u10ee\u10d5\u10d0 \u10e7\u10d5\u10d4\u10da\u10d0 \u10e1\u10d4\u10e5\u10e2\u10dd\u10e0\u10d6\u10d4, \u10d0\u10e1\u10d4\u10d5\u10d4 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10d6\u10d4\u10ea \u10db\u10dd\u10d0\u10ee\u10d3\u10d8\u10dc\u10d0 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10d9\u10dd\u10d5\u10d8\u10d3 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d0\u10db. \u10d9\u10d5\u10da\u10d4\u10d5\u10d4\u10d1\u10d8\u10ea \u10e9\u10d0\u10e2\u10d0\u10e0\u10d3\u10d0 \u10d9\u10dd\u10d5\u10d8\u10d3 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10d3\u10d0 \u10e8\u10d4\u10d3\u10d2\u10d0 \u10e1\u10d8\u10d0 BNPL \u10e1\u10d4\u10e0\u10d5\u10d8\u10e1\u10d8\u10d7 \u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10e2\u10d4\u10d1\u10d8\u10e1.\u10d3\u10d0\u10e4\u10d8\u10dc\u10d0\u10dc\u10e1\u10d4\u10d1\u10e3\u10da\u10d8 \u10e2\u10dd\u10de \u10e1\u10d0\u10db\u10d4\u10e3\u10da\u10d8 COVID-19 \u10de\u10d0\u10dc\u10d3\u10d4\u10db\u10d8\u10d8\u10e1 \u10d3\u10e0\u10dd\u10e1 \u10db\u10dd\u10d8\u10ea\u10d0\u10d5\u10e1 \u10e8\u10d4\u10db\u10d3\u10d4\u10d2 \u10db\u10dd\u10dc\u10d0\u10ea\u10d4\u10db\u10d4\u10d1\u10e1: \u10e2\u10d0\u10dc\u10e1\u10d0\u10ea\u10db\u10d4\u10da\u10d8-47%, \u10d4\u10da\u10d4\u10e5\u10e2\u10e0\u10dd\u10dc\u10d8\u10d9\u10d0-44% \u10d3\u10d0 \u10d0\u10d5\u10d4\u10ef\u10d8-32%. \u10d6\u10d4\u10d5\u10d8\u10d7 \u10ec\u10d0\u10e0\u10db\u10dd\u10d3\u10d2\u10d4\u10dc\u10d8\u10da \u10e1\u10e5\u10d4\u10db\u10d0\u10e8\u10d8\u10ea \u10dc\u10d0\u10d7\u10da\u10d0\u10d3\u10d0\u10d0 \u10d0\u10e1\u10d0\u10ee\u10e3\u10da\u10d8 \u10d9\u10e0\u10d8\u10e2\u10d8\u10d9\u10e3\u10da \u10ec\u10da\u10d4\u10d1\u10e8\u10d8 BNPL -\u10d8\u10e1 \u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10d8\u10e1 \u10ea\u10d5\u10da\u10d8\u10da\u10d4\u10d1\u10d4\u10d1\u10d8.<\/p>\n\n\n\n<p><strong>\u10d3\u10d0\u10e1\u10d9\u10d5\u10dc\u10d0<\/strong><\/p>\n\n\n\n<p>\u10e1\u10e2\u10d0\u10e2\u10d8\u10d0\u10e8\u10d8 \u10d2\u10d0\u10dc\u10d5\u10d8\u10ee\u10d8\u10da\u10d4 21-\u10d4 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d8\u10e1 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8, \u10e0\u10dd\u10db\u10d4\u10da\u10d8\u10ea \u10ea\u10dc\u10dd\u10d1\u10d8\u10da\u10d8\u10d0 \u10e0\u10dd\u10d2\u10dd\u10e0\u10ea \u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7, Buy Now, Pay Later. \u10d5\u10d8\u10e1\u10d0\u10e3\u10d1\u10e0\u10d4 \u10db\u10d8\u10d6\u10d4\u10d6\u10d4\u10d1\u10d6\u10d4 \u10d7\u10e3 \u10e0\u10d0\u10e2\u10dd\u10db \u10d8\u10e0\u10e9\u10d4\u10d5\u10d4\u10dc \u10d0\u10db \u10db\u10d4\u10d7\u10dd\u10d3\u10e1 \u10db\u10dd\u10e1\u10d0\u10ee\u10da\u10d4\u10dd\u10d1\u10d8\u10e1 \u10e3\u10db\u10e0\u10d0\u10d5\u10da\u10d4\u10e1\u10dd\u10d1\u10d0 \u10d3\u10d0 \u10e0\u10dd\u10db\u10d4\u10da\u10d8 \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10d8\u10d0 \u10e7\u10d5\u10d4\u10da\u10d0\u10d6\u10d4 \u10db\u10d8\u10e1\u10d0\u10e6\u10d4\u10d1\u10d8 \u10db\u10d0\u10d7\u10d7\u10d5\u10d8\u10e1, \u10d0\u10db \u10de\u10da\u10d0\u10e2\u10e4\u10dd\u10e0\u10db\u10d4\u10d1\u10e8\u10d8 \u10e8\u10d4\u10d3\u10d8\u10e1: PayPal, Afterpay, Affirm, Klarna \u10d3\u10d0 Zip \u10d8\u10d2\u10d8\u10d5\u10d4 Zip Pay. \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8\u10e1 \u10e1\u10d8\u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8\u10e1 \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d2\u10d0\u10db\u10dd\u10d5\u10e7\u10d0\u10d5\u10d8 \u10db\u10d8\u10e1\u10d8 \u10d7\u10d0\u10dc\u10db\u10d3\u10d4\u10d5\u10d8 \u10e1\u10d0\u10e4\u10e0\u10d7\u10ee\u10d4\u10d4\u10d1\u10d8, \u10db\u10d0\u10d2\u10d0\u10da\u10d8\u10d7\u10d0\u10d3: \u10d8\u10db\u10de\u10e3\u10da\u10e1\u10e3\u10e0\u10d8 \u10e8\u10d4\u10e1\u10e7\u10d8\u10d3\u10d5\u10d4\u10d1\u10d8\u10e1 \u10ec\u10d0\u10ee\u10d0\u10da\u10d8\u10e1\u10d4\u10d1\u10d0 \u10d3\u10d0 \u10d3\u10d0\u10e3\u10e4\u10d8\u10e5\u10e0\u10d4\u10d1\u10d4\u10da\u10d8 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d4\u10d1\u10d8\u10e1 \u10e8\u10d4\u10d3\u10d4\u10d2\u10d0\u10d3 \u10d3\u10d0\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10da\u10d8 \u10d5\u10d0\u10da\u10d4\u10d1\u10d8\u10e1 \u10d2\u10d0\u10d5\u10da\u10d4\u10dc\u10d0 \u10e1\u10d0\u10db\u10dd\u10db\u10ee\u10db\u10d0\u10e0\u10d4\u10d1\u10da\u10dd \u10d9\u10e0\u10d4\u10d3\u10d8\u10e2\u10d8\u10e1 \u10e5\u10e3\u10da\u10d4\u10d1\u10d6\u10d4. \u10db\u10d8\u10e3\u10ee\u10d4\u10d3\u10d0\u10d5\u10d0\u10d3 \u10d0\u10db\u10d8\u10e1\u10d0 \u10d4\u10e1 \u10db\u10d4\u10d7\u10dd\u10d3\u10d8 \u10db\u10d0\u10e0\u10e2\u10d8\u10d5\u10d8, \u10e1\u10ec\u10e0\u10d0\u10e4\u10d8 \u10d3\u10d0 \u10db\u10d8\u10e1\u10d0\u10e6\u10d4\u10d1\u10d8\u10d0 \u10d7\u10d0\u10dc\u10d0\u10db\u10d4\u10d3\u10e0\u10dd\u10d5\u10d4 \u10db\u10e1\u10dd\u10e4\u10da\u10d8\u10dd\u10e1\u10d7\u10d5\u10d8\u10e1, \u10e0\u10d0\u10d3\u10d2\u10d0\u10dc \u10e1\u10d0\u10e8\u10e3\u10d0\u10da\u10d4\u10d1\u10d0\u10e1 \u10d2\u10d5\u10d0\u10eb\u10da\u10d4\u10d5\u10e1 \u10e3\u10de\u10e0\u10dd\u10d1\u10da\u10d4\u10db\u10dd\u10d3 \u10e8\u10d4\u10d5\u10d8\u10eb\u10d8\u10dc\u10dd\u10d7 \u10de\u10e0\u10dd\u10d3\u10e3\u10e5\u10ea\u10d8\u10d0 \u10e7\u10d8\u10d3\u10d5\u10d8\u10e1 \u10db\u10dd\u10db\u10d4\u10dc\u10e2\u10e8\u10d8 \u10e1\u10d0\u10d9\u10db\u10d0\u10e0\u10d8\u10e1\u10d8 \u10d7\u10d0\u10dc\u10ee\u10d8\u10e1 \u10d0\u10e0\u10d0\u10e0\u10e1\u10d4\u10d1\u10dd\u10d1\u10d8\u10e1 \u10e8\u10d4\u10db\u10d7\u10ee\u10d5\u10d4\u10d5\u10d0\u10e8\u10d8.<\/p>\n\n\n\n<p><strong>\u10d2\u10d0\u10db\u10dd\u10e7\u10d4\u10dc\u10d4\u10d1\u10e3\u10da\u10d8 \u10da\u10d8\u10e2\u10d4\u10e0\u10d0\u10e2\u10e3\u10e0\u10d0:<\/strong><\/p>\n\n\n\n<ol type=\"1\">\n<li><a href=\"https:\/\/en.wikipedia.org\/wiki\/Buy_now,_pay_later#:~:text=Buy%20now%2C%20pay%20later%28BNPL%29%20is%20a%20type%20of,planmoney%20lendingprocess%20that%20involves%20consumers%2C%20financiers%2C%20and%20merchants\">Buy now, pay later &#8211; Wikipedia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/mvp.ge\/gadaxdis-metodebi-fintechshi\/\">\u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1 \u10d8\u10dc\u10dd\u10d5\u10d0\u10ea\u10d8\u10e3\u10e0\u10d8 \u10db\u10d4\u10d7\u10dd\u10d3\u10d4\u10d1\u10d8 \u10e4\u10d8\u10dc\u10e2\u10d4\u10e5\u10e8\u10d8 \u2013 MVP.GE \u10d2\u10d0\u10d3\u10d0\u10ee\u10d3\u10d8\u10e1<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/buy-now-pay-later-statistics\/\">2023 Buy Now, Pay Later Statistics | Bankrate<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/m.bankofgeorgia.ge\/ka\/retail\/bnpl\">https:\/\/m.bankofgeorgia.ge\/ka\/retail\/bnpl<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>\u10d0\u10d5\u10e2\u10dd\u10e0\u10d8\u10e1 \u10e1\u10e2\u10d8\u10da\u10d8 \u10d3\u10d0\u10ea\u10e3\u10da\u10d8\u10d0\u10e5\u10d4\u10d7\u10d4\u10d5\u10d0\u10dc \u10d1\u10d0\u10da\u10d0\u10dc\u10e9\u10d8\u10d5\u10d0\u10eb\u10d4 \u10d8\u10d5\u10d0\u10dc\u10d4 \u10ef\u10d0\u10d5\u10d0\u10ee\u10d8\u10e8\u10d5\u10d8\u10da\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10dd\u10d1\u10d8\u10e1 \u10d7\u10d1\u10d8\u10da\u10d8\u10e1\u10d8\u10e1 \u10e1\u10d0\u10ee\u10d4\u10da\u10db\u10ec\u10d8\u10e4\u10dd \u10e3\u10dc\u10d8\u10d5\u10d4\u10e0\u10e1\u10d8\u10e2\u10d4\u10e2\u10d8\u10e1\u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d8\u10e1\u10d0 \u10d3\u10d0 \u10d1\u10d8\u10d6\u10dc\u10d4\u10e1\u10d8\u10e1 \u10e4\u10d0\u10d9\u10e3\u10da\u10e2\u10d4\u10e2\u10d8\u10e1 III \u10d9\u10e3\u10e0\u10e1\u10d8\u10e1 \u10e1\u10e2\u10e3\u10d3\u10d4\u10dc\u10e2\u10d8 ketiqeti65@gmail.com \u10d0\u10dc\u10dd\u10e2\u10d0\u10ea\u10d8\u10d0 21-\u10d4 \u10e1\u10d0\u10e3\u10d9\u10e3\u10dc\u10d4\u10e8\u10d8<\/p>\n","protected":false},"author":7,"featured_media":14712,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[120,13],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u10d8\u10e7\u10d8\u10d3\u10d4 \u10d0\u10ee\u10da\u10d0, \u10d2\u10d0\u10d3\u10d0\u10d8\u10ee\u10d0\u10d3\u10d4 \u10db\u10dd\u10d2\u10d5\u10d8\u10d0\u10dc\u10d4\u10d1\u10d8\u10d7 - \u10e1\u10d0\u10e5\u10d0\u10e0\u10d7\u10d5\u10d4\u10da\u10dd\u10e1 \u10d4\u10d9\u10dd\u10dc\u10dd\u10db\u10d8\u10d9\u10d0<\/title>\n<meta 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