╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕?

╨б╨╗╨╛╨▓╨╛ ┬л╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕┬╗ (FinTech) тАФ ╤Н╤В╨╛ ╤И╨╕╤А╨╛╨║╨╛╨╡ ╨┐╨╛╨╜╤П╤В╨╕╨╡, ╨║╨╛╤В╨╛╤А╨╛╨╡ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨╝╤Г ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤О, ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╨╝ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П╨╝ ╨╕ ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╨╝ ╤Б ╨╜╨╕╨╝╨╕ ╤А╨╡╤И╨╡╨╜╨╕╤П╨╝, ╨╕╨╖╨╛╨▒╤А╨╡╤В╨╡╨╜╨╜╤Л╨╝ ╨┤╨╗╤П ╤Г╨╗╤Г╤З╤И╨╡╨╜╨╕╤П ╨╕ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨░╤Ж╨╕╨╕ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Д╨╛╤А╨╝ ╨┤╨╗╤П ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╣ ╨╕ ╨╕╨╜╨┤╨╕╨▓╨╕╨┤╤Г╨░╨╗╤М╨╜╤Л╤Е ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓.

╨в╨╡╤А╨╝╨╕╨╜ ┬л╤Д╨╕╨╜╤В╨╡╤Е┬╗ ╨╝╨╛╨╢╨╡╤В ╨╛╤В╨╜╨╛╤Б╨╕╤В╤М╤Б╤П ╨║ ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╝ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П╨╝, ╨╜╨░╤З╨╕╨╜╨░╤П ╨╛╤В ╨┐╤А╨╛╤Б╤В╤Л╤Е ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Л╤Е ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╨╣ ╨╕ ╨╖╨░╨║╨░╨╜╤З╨╕╨▓╨░╤П ╤Б╨╗╨╛╨╢╨╜╤Л╨╝╨╕ ╨▒╨╗╨╛╨║╤З╨╡╨╣╨╜-╤Б╨╡╤В╤П╨╝╨╕, ╨▓ ╨║╨╛╤В╨╛╤А╤Л╤Е ╤Е╤А╨░╨╜╤П╤В╤Б╤П ╨╖╨░╨║╨╛╨┤╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕. ╨н╤В╨╛ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╜╨╛ ╨┐╤А╨╕╨╝╨╡╨╜╨╕╤В╤М ╨║ ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝ ╨╕ ╤Б╨╗╤Г╨╢╨▒╨░╨╝, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨╖╨░╤И╨╕╤Д╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨╕╤Б╨║╤Г╤Б╤Б╤В╨▓╨╡╨╜╨╜╤Л╨╣ ╨╕╨╜╤В╨╡╨╗╨╗╨╡╨║╤В (╨Ш╨Ш), ╨▒╨╛╨╗╤М╤И╨╕╨╡ ╨┤╨░╨╜╨╜╤Л╨╡ ╨╕ ╨▒╨╗╨╛╨║╤З╨╡╨╣╨╜, ╤З╤В╨╛╨▒╤Л ╤А╨░╨╖╤А╨╡╤И╨╕╤В╤М ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╕ ╤Б╤В╤А╨╛╨│╨╛╨╣ ╨░╤Г╤В╨╡╨╜╤В╨╕╤Д╨╕╨║╨░╤Ж╨╕╨╕ ╨▓╨╛ ╨▓╨╜╤Г╤В╤А╨╡╨╜╨╜╨╡╨╣ ╤Б╨╡╤В╨╕.

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕?
  • ╨д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕ (Fintech) ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╗
  • ╨в╨╕╨┐╤Л
  • ╨Я╤А╨╕╨╝╨╡╤А
  • ╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╕ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕
  • ╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨Ъ╨╗╤О╤З╨╡╨▓╤Л╨╡ ╨▓╤Л╨▓╨╛╨┤╤Л

• ╨д╨╕╨╜╤В╨╡╤Е ╨┐╨╛╨┤╤А╨░╨╖╤Г╨╝╨╡╨▓╨░╨╡╤В ╨▓╨║╨╗╤О╤З╨╡╨╜╨╕╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣ ╨▓ ╨┐╤А╨╛╨┤╤Г╨║╤В╤Л ╨╕ ╤Г╤Б╨╗╤Г╨│╨╕, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╨╡ ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨░╨╝╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Г╤Б╨╗╤Г╨│.
• ╨н╤В╨╛ ╨┐╨╛╨▓╤Л╤И╨░╨╡╤В ╨║╨░╨║ ╨╕╤Е ╤Г╨┤╨╛╨▒╤Б╤В╨▓╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П, ╤В╨░╨║ ╨╕ ╤В╨╛, ╨║╨░╨║ ╨╛╨╜╨╕ ╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В╤Б╤П ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝.
• ╨Ш╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╕ ╨▓ ╤Д╨╕╨╜╤В╨╡╤Е-╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨╜╨░╤Е╨╛╨┤╤П╤В╤Б╤П ╨╜╨░ ╨┐╨╛╨┤╤К╨╡╨╝╨╡, ╨╜╨╛ ╨┐╤А╨╛╨▒╨╗╨╡╨╝╤Л ╤Б ╤А╨╡╨│╤Г╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡╨╝ ╨╝╨╡╤И╨░╤О╤В ╤Б╨╡╨║╤В╨╛╤А╤Г, ╨░ ╨┐╤А╨╛╨▒╨╗╨╡╨╝╤Л ╤Б ╨║╨╕╨▒╨╡╤А╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╤М╤О ╤А╨░╤Б╤В╤Г╤В.
• ╨б╤А╨╡╨┤╨╕ ╨╝╨╜╨╛╨│╨╕╤Е ╤В╨╕╨┐╨╛╨▓ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╨╣, ╨┐╨╛╨┤╨┐╨░╨┤╨░╤О╤Й╨╕╤Е ╨┐╨╛╨┤ ╨║╨░╤В╨╡╨│╨╛╤А╨╕╤О ╤Д╨╕╨╜╤В╨╡╤Е╨░, ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╝╨╕ ╨┐╤А╨╕╨╝╨╡╤А╨░╨╝╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨╛╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╨╛╨│╨╛ (P2P) ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╤П, ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╕ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨║╤А╨╕╨┐╤В╨╛╨▓╨░╨╗╤О╤В╤Л.

╨Ю╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣ (╤Д╨╕╨╜╤В╨╡╤Е)

╨д╨╕╨╜╤В╨╡╤Е тАФ ╤Н╤В╨╛ ╨╗╤О╨▒╨░╤П ╤Д╨╕╤А╨╝╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕ ╨┤╨╗╤П ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╨╕╤П, ╤Г╨╗╤Г╤З╤И╨╡╨╜╨╕╤П ╨╕╨╗╨╕ ╨╝╨╡╤Е╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╨╛╨▓ ╨┤╨╗╤П ╤З╨░╤Б╤В╨╜╤Л╤Е ╨╗╨╕╤Ж ╨╕╨╗╨╕ ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╨╣. ╨н╤В╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╕╨╝╨╕ ╨┐╤А╨╕╨╝╨╡╤А╨░╨╝╨╕ ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╤Е ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣, ╨╛╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╤Л╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Л╤Е ╤Б╨╕╤Б╤В╨╡╨╝, ╨║╨╛╨╝╨┐╤М╤О╤В╨╡╤А╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨┐╨╛╤А╤В╤Д╨╡╨╗╤М╨╜╤Л╤Е ╨╝╨╡╨╜╨╡╨┤╨╢╨╡╤А╨╛╨▓ ╨╕ ╤В╨╛╤А╨│╨╛╨▓╤Л╤Е ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝. ╨н╤В╨╛ ╤В╨░╨║╨╢╨╡ ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╤Б╨╛╨╖╨┤╨░╨╜╨╕╤О ╨║╤А╨╕╨┐╤В╨╛╨▓╨░╨╗╤О╤В ╨╕ ╤В╨╛╤А╨│╨╛╨▓╨╗╨╡ ╤В╨░╨║╨╕╨╝╨╕ ╨╝╨╛╨╜╨╡╤В╨░╨╝╨╕.

╨Т╨┐╨╛╨╗╨╜╨╡ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛ ╨╕╨╝╨╡╤В╤М ╨│╨╗╤Г╨▒╨╛╨║╨╕╨╡ ╨╖╨╜╨░╨╜╨╕╤П ╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤П╤Е, ╨┤╨░╨╢╨╡ ╨╡╤Б╨╗╨╕ ╤Н╤В╨╛ ╤Б╨╗╨╛╨╢╨╜╤Л╨╣ ╨┐╤А╨╡╨┤╨╝╨╡╤В. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨┐╨╛╤В╤А╨╡╨▒╨╕╤В╨╡╨╗╨╕ ╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨┐╨╛╨╗╤Г╤З╨░╤О╤В ╨▓╤Л╨│╨╛╨┤╤Г ╨╛╤В ╨┐╨╛╨▓╤Л╤И╨╡╨╜╨╕╤П ╨┤╨╛╤Б╤В╤Г╨┐╨╜╨╛╤Б╤В╨╕ ╨╕ ╤Б╨╜╨╕╨╢╨╡╨╜╨╕╤П ╨╛╨▒╤Й╨╕╤Е ╨╖╨░╤В╤А╨░╤В ╨▓ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╤Г╨┐╤А╨╛╤Й╨╡╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╣ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О FinTech.

╨Т ╨▒╨╛╨╗╨╡╨╡ ╤И╨╕╤А╨╛╨║╨╛╨╝ ╤Б╨╝╤Л╤Б╨╗╨╡ ╤Ж╨╡╨╗╤М ╤Д╨╕╨╜╤В╨╡╤Е╨░ тАФ ╤Г╨┐╤А╨╛╤Б╤В╨╕╤В╤М ╨┐╤А╨╛╤Ж╨╡╤Б╤Б ╨┐╤А╨╛╨▓╨╡╨┤╨╡╨╜╨╕╤П ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣, ╨╕╤Б╨║╨╗╤О╤З╨╕╨▓ ╨╕╨╖╨╗╨╕╤И╨╜╨╕╨╡ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б╤Л ╨┤╨╗╤П ╨╗╤О╨▒╤Л╤Е ╨▓╨╛╨▓╨╗╨╡╤З╨╡╨╜╨╜╤Л╤Е ╨┐╨░╤А╤В╨╜╨╡╤А╨╛╨▓ ╨┐╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤П╨╝. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╤Е ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╛╨▓ ╨╝╨╛╨╢╨╜╨╛ ╨┐╨╗╨░╤В╨╕╤В╤М ╨┤╤А╤Г╨│╨╕╨╝ ╨╗╨╕╤Ж╨░╨╝, ╨╕ ╨┤╨╡╨╜╤М╨│╨╕ ╨┐╨╛╤Б╤В╤Г╨┐╨░╤О╤В ╨┐╤А╤П╨╝╨╛ ╨╜╨░ ╨▓╤Л╨▒╤А╨░╨╜╨╜╤Л╨╣ ╨╕╨╝╨╕ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╣ ╤Б╤З╨╡╤В. ╨Х╤Б╨╗╨╕, ╤Б ╨┤╤А╤Г╨│╨╛╨╣ ╤Б╤В╨╛╤А╨╛╨╜╤Л, ╨╛╨┐╨╗╨░╤В╨░ ╨╖╨░ ╤В╨╛╨▓╨░╤А ╨╛╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╗╤П╨╡╤В╤Б╤П ╨╜╨░╨╗╨╕╤З╨╜╤Л╨╝╨╕ ╨╕╨╗╨╕ ╤З╨╡╨║╨╛╨╝, ╨┐╨╛╨╗╤Г╤З╨░╤В╨╡╨╗╤О ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨▒╤Г╨┤╨╡╤В ╨╛╨▒╤А╨░╤В╨╕╤В╤М╤Б╤П ╨▓ ╨▒╨░╨╜╨║, ╤З╤В╨╛╨▒╤Л ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕ ╨╖╨░╤З╨╕╤Б╨╗╨╕╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░.

╨в╨╕╨┐╤Л ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣

╨а╨░╤Б╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨▓╨╕╨┤╤Л ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣.

#1 тАУ ╨Ю╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╨╛╨╡ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╨╡

╨д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨╗╨╕╤Ж╨░ ╨╝╨╛╨│╤Г╤В ╤Г╤З╨░╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨▓ ╨╛╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╨╛╨╝ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╨╕, ╤З╨░╤Б╤В╨╛ ╨╜╨░╨╖╤Л╨▓╨░╨╡╨╝╨╛╨╝ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╨╡╨╝ P2P, ╨║╨╛╨│╨┤╨░ ╨╛╨╜╨╕ ╨╖╨░╨╜╨╕╨╝╨░╤О╤В ╨┤╨╡╨╜╤М╨│╨╕ ╤Г ╨┤╤А╤Г╨│╨╕╤Е. ╨Р╨╜╨░╨╗╨╛╨│╨╕╤З╨╜╤Л╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨╛╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╨╛╨╡ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╨╡, ╨╕╨╜╨╛╨│╨┤╨░ ╨╕╨╖╨▓╨╡╤Б╤В╨╜╨╛╨╡ ╨║╨░╨║ P2B-╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╨╡, ╨╛╤В╨╜╨╛╤Б╨╕╤В╤Б╤П ╨║ ╨┐╤А╨░╨║╤В╨╕╨║╨╡, ╨║╨╛╨│╨┤╨░ ╨╗╨╕╤Ж╨╛ ╨╕╨╗╨╕ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╗╨╕╤Ж ╤Б╤Б╤Г╨╢╨░╤О╤В ╨┤╨╡╨╜╤М╨│╨╕ ╨▒╨╕╨╖╨╜╨╡╤Б╤Г. ╨а╨░╤Б╨┐╤А╨╡╨┤╨╡╨╗╤П╤П ╤Б╨▓╨╛╨╕ ╨┤╨╡╨╜╤М╨│╨╕ ╤Б╤А╨╡╨┤╨╕ ╨╖╨░╨╡╨╝╤Й╨╕╨║╨╛╨▓ ╤Б ╤Е╨╛╤А╨╛╤И╨╕╨╝ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╝ ╤А╨╡╨╣╤В╨╕╨╜╨│╨╛╨╝, ╤Н╤В╨╕ ╨╝╨╛╨┤╨╡╨╗╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╤П ╤Г╨┐╤А╨╛╤Й╨░╤О╤В ╨┤╨╗╤П ╨╕╨╜╨▓╨╡╤Б╤В╨╛╤А╨╛╨▓ ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡ ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╕╤Е ╨┤╨╛╤Е╨╛╨┤╨╛╨▓, ╤З╨╡╨╝ ╤В╨╡, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┤╨░╤О╤В ╤А╤Л╨╜╨║╨╕ ╨╛╨▒╨╗╨╕╨│╨░╤Ж╨╕╨╣.

# 2 — ╨и╨╗╤О╨╖╤Л ╨┤╨╗╤П ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣

╨Я╨╗╨░╤В╨╡╨╢╨╜╤Л╨╡ ╤И╨╗╤О╨╖╤Л тАФ ╤Н╤В╨╛ ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨┐╨╛╨║╤Г╨┐╨░╤В╨╡╨╗╤П╨╝ ╨╛╨┐╨╗╨░╤З╨╕╨▓╨░╤В╤М ╤В╨╛╨▓╨░╤А╤Л ╨╕╨╗╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╜╨╡╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╡╨╜╨╜╨╛ ╨╜╨░ ╨▓╨╡╨▒-╤Б╨░╨╣╤В╨╡ ╨┐╤А╨╛╨┤╨░╨▓╤Ж╨░. ╨Т ╨╜╨░╤И╨╕ ╨┤╨╜╨╕ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╤Г╨╡╤В ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨╛ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л, ╨▓╨║╨╗╤О╤З╨░╤П ╨┤╨╡╨▒╨╡╤В╨╛╨▓╤Л╨╡ ╨║╨░╤А╤В╤Л, ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨║╨░╤А╤В╤Л, ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╨╡ ╨║╨╛╤И╨╡╨╗╤М╨║╨╕ ╨╕ ╨║╤А╨╕╨┐╤В╨╛╨▓╨░╨╗╤О╤В╤Л. ╨д╨╕╤А╨╝╤Л FinTech ╨╛╨▒╤К╨╡╨┤╨╕╨╜╤П╤О╤В ╤Н╤В╨╕ ╤А╨░╨╖╨╜╨╛╨╛╨▒╤А╨░╨╖╨╜╤Л╨╡ ╤Б╨┐╨╛╤Б╨╛╨▒╤Л ╨╛╨┐╨╗╨░╤В╤Л ╨▓ ╤Г╨┤╨╛╨▒╨╜╤Л╨╡ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╤А╨╛╨┤╨░╨▓╤Ж╤Л ╨╝╨╛╨│╤Г╤В ╤Б╨╡╨▒╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╨╕╤В╤М ╨╕ ╤А╨░╨╖╨╝╨╡╤Й╨░╤В╤М ╨╜╨░ ╤Б╨▓╨╛╨╕╤Е ╨▓╨╡╨▒-╤Б╨░╨╣╤В╨░╤Е. ╨С╨░╨╜╨║╨╕ ╨╛╨▒╤Л╤З╨╜╨╛ ╨▓╨╖╨╕╨╝╨░╤О╤В ╨▓╤Л╤Б╨╛╨║╤Г╤О ╨┐╨╗╨░╤В╤Г ╨╖╨░ ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╤Г ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣ ╨▓╤Б╨╡╨╝╨╕ ╤Н╤В╨╕╨╝╨╕ ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╝╨╕ ╤Б╨┐╨╛╤Б╨╛╨▒╨░╨╝╨╕, ╨╜╨╛ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨╖╨░╨╜╨╕╨╝╨░╤О╤Й╨╕╨╡╤Б╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤П╨╝╨╕, ╤Г╤Б╤В╤А╨░╨╜╤П╤О╤В ╤Н╤В╨╕ ╤Б╨▒╨╛╤А╤Л ╨╕ ╨╕╨╜╤В╨╡╨│╤А╨╕╤А╤Г╤О╤В ╨▓╤Б╨╡ ╤Н╤В╨╕ ╤Б╨┐╨╛╤Б╨╛╨▒╤Л ╨╛╨┐╨╗╨░╤В╤Л.

#3 тАУ ╨ж╨╕╤Д╤А╨╛╨▓╤Л╨╡ ╨║╨╛╤И╨╡╨╗╤М╨║╨╕

╨ж╨╕╤Д╤А╨╛╨▓╨╛╨╣ ╨║╨╛╤И╨╡╨╗╨╡╨║ ╤Б╨╛╤З╨╡╤В╨░╨╡╤В ╨▓ ╤Б╨╡╨▒╨╡ ╨▒╨░╨╖╨╛╨▓╤Л╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╤Л╨╣ ╤Б╤З╨╡╤В ╨╕ ╨┐╤А╨╛╤Ж╨╡╤Б╤Б╨╛╤А ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣. ╨Я╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤М ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╡╨┤╨▓╨░╤А╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨╖╨░╨│╤А╤Г╨╖╨╕╤В╤М ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╨╛╨╡ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╤Е ╨▓╨░╨╗╤О╤В ╨▓ ╤Б╨▓╨╛╨╕ ╨║╨╛╤И╨╡╨╗╤М╨║╨╕, ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤П ╤Н╤В╤Г ╨▒╨╕╨╖╨╜╨╡╤Б-╨╝╨╛╨┤╨╡╨╗╤М, ╨░ ╨╖╨░╤В╨╡╨╝ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Н╤В╨╕ ╨▓╨╕╤А╤В╤Г╨░╨╗╤М╨╜╤Л╨╡ ╨┤╨╡╨╜╤М╨│╨╕ ╨┤╨╗╤П ╨┐╤А╨╛╨▓╨╡╨┤╨╡╨╜╨╕╤П ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣ ╤Б ╤Д╨╕╤А╨╝╨░╨╝╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤А╨░╨╖╤А╨╡╤И╨░╤О╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╨╡ ╨║╨╛╤И╨╡╨╗╤М╨║╨╕ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╤Б╨┐╨╛╤Б╨╛╨▒╨░ ╨╛╨┐╨╗╨░╤В╤Л. ╨н╤В╨╕ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╛╨╕╤Б╤Е╨╛╨┤╨╕╤В╤М ╨║╨░╨║ ╨╛╨╜╨╗╨░╨╣╨╜, ╤В╨░╨║ ╨╕ ╨╛╤Д╨╗╨░╨╣╨╜.

╨Я╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П╨╝ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╨╕ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨░ ╨┤╨╡╨╜╨╡╨│ ╨╖╨░ ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤З╨░╤Б╤В╤М╤О ╨▒╨╕╨╖╨╜╨╡╤Б-╨╝╨╛╨┤╨╡╨╗╨╕ ╤Ж╨╕╤Д╤А╨╛╨▓╨╛╨│╨╛ ╨║╨╛╤И╨╡╨╗╤М╨║╨░. ╨Я╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╝ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨║╨╛╤И╨╡╨╗╤М╨║╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤Б╨▓╨╛╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╜╨░╨┐╤А╤П╨╝╤Г╤О ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╤З╨╡╤А╨╡╨╖ ╤В╨╛╤А╨│╨╛╨▓╤Л╨╡ ╤В╨╛╤З╨║╨╕.

#4 тАУ ╨н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨░╤П ╨║╨╛╨╝╨╝╨╡╤А╤Ж╨╕╤П

╨Ы╨╕╤Ж╨╡╨╜╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╣ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╣ ╤Б╨╡╤А╨▓╨╕╤Б ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╤Б╨╛╨▓╨╡╤А╤И╨░╤В╤М ╨┐╨╛╨║╤Г╨┐╨║╨╕ ╨┐╨╛ ╨┐╤А╨╕╨╜╤Ж╨╕╨┐╤Г ┬л╨║╤Г╨┐╨╕ ╤Б╨╡╨╣╤З╨░╤Б, ╨╖╨░╨┐╨╗╨░╤В╨╕ ╨┐╨╛╤В╨╛╨╝┬╗. ╨Я╨╛╨║╤Г╨┐╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╨╛╨║╤Г╨┐╨░╤В╤М ╨▓╨╡╤Й╨╕ ╨▓ ╨▒╨╡╤Б╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤А╨░╤Б╤Б╤А╨╛╤З╨║╤Г ╨╕╨╗╨╕ ╨▓ ╤А╨░╤Б╤Б╤А╨╛╤З╨║╤Г ╤Б ╨╜╨╕╨╖╨║╨╛╨╣ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╡╨╣ ╨┤╨╗╤П ╨╛╨┐╨╗╨░╤В╤Л ╤Б╨▓╨╛╨╕╤Е ╨┐╨╛╨║╤Г╨┐╨╛╨║. ╨Я╨╛╤В╤А╨╡╨▒╨╕╤В╨╡╨╗╤М ╨╝╨╛╨╢╨╡╤В ╨┐╨╗╨░╤В╨╕╤В╤М ╨╖╨░ ╨┐╤А╨╛╨┤╤Г╨║╤В ╨┐╨╛╤Б╤В╨╡╨┐╨╡╨╜╨╜╨╛, ╨░ ╨╜╨╡ ╨╖╨░ ╨▓╤Б╨╡ ╤Б╤А╨░╨╖╤Г, ╨║╨╛╨│╨┤╨░ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╤П ╤А╨░╨╖╨▒╨╕╤В╨░ ╤В╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝.

#5 тАУ ╨в╨╛╤А╨│╨╛╨▓╨╗╤П ╨░╨║╤Ж╨╕╤П╨╝╨╕

╨в╨╕╨┐╨╕╤З╨╜╤Л╨╡ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╤П ╨╝╨╡╨╢╨┤╤Г ╨▒╤А╨╛╨║╨╡╤А╨╛╨╝ ╨╕ ╨║╨╗╨╕╨╡╨╜╤В╨╛╨╝ ╨╗╨╡╨│╨║╨╛ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╤Л ╤З╨╡╤А╨╡╨╖ ╨╛╨╜╨╗╨░╨╣╨╜-╨╛╨▒╤Й╨╡╨╜╨╕╨╡ ╤Б ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╨╡╨╝ ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╤Е ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝. ╨б╨╛╨╖╨┤╨░╤В╨╡╨╗╨╕ ╨╛╤В╨╝╨╡╤В╨╕╨╗╨╕, ╤З╤В╨╛ ╨▒╨╛╨╗╤М╤И╨╕╨╜╤Б╤В╨▓╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╤Е ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝ ╨▓╨╖╨╕╨╝╨░╤О╤В ╤Б╨╛ ╤Б╨▓╨╛╨╕╤Е ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨╛╨│╤А╨╛╨╝╨╜╤Л╨╡ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╕, ╤Е╨╛╤В╤П ╨┤╨╗╤П ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣ ╨╜╨╡ ╤В╤А╨╡╨▒╤Г╤О╤В╤Б╤П ╨╖╨╜╨░╤З╨╕╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤А╨╡╤Б╤Г╤А╤Б╤Л. ╨Т ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨╝╨╜╨╛╨│╨╕╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨▓╤Л╨┐╤Г╤Б╤В╨╕╨╗╨╕ ╤Б╨▓╨╛╨╕ ╨▒╨╡╤Б╨┐╨╗╨░╤В╨╜╤Л╨╡ ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л, ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤Й╨╕╨╡ ╨╗╤О╨┤╤П╨╝ ╤Б╨▓╨╛╨▒╨╛╨┤╨╜╨╛ ╤В╨╛╤А╨│╨╛╨▓╨░╤В╤М ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╤Б╨▓╨╛╨╕╤Е ╤В╨╡╨╗╨╡╤Д╨╛╨╜╨╛╨▓.

╨Я╤А╨╕╨╝╨╡╤А

╨Т╨╛╨╖╤М╨╝╨╡╨╝ ╨┐╤А╨╕╨╝╨╡╤А ╨║╨░╨╢╨┤╨╛╨│╨╛ ╨╕╨╖ ╨▓╤Л╤И╨╡╨┐╨╡╤А╨╡╤З╨╕╤Б╨╗╨╡╨╜╨╜╤Л╤Е ╨▓╨╕╨┤╨╛╨▓ ╤Д╨╕╨╜╤В╨╡╤Е╨░.

╨Ю╤А╨│╨░╨╜╨╕╨╖╨░╤Ж╨╕╨╕, ╨╖╨░╨╜╨╕╨╝╨░╤О╤Й╨╕╨╡╤Б╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤П╨╝╨╕ ╨╛╨┤╨╜╨╛╤А╨░╨╜╨│╨╛╨▓╨╛╨│╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╛╨▓╨░╨╜╨╕╤П, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ Funding Circle, ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л, ╨╛╨▒╤К╨╡╨┤╨╕╨╜╤П╤О╤Й╨╕╨╡ ╨╖╨░╨╡╨╝╤Й╨╕╨║╨╛╨▓ ╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╨╛╨▓. ╨н╤В╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╤З╨░╤Б╤В╨╛ ╨▓╤Л╤З╨╕╤В╨░╤О╤В ╨┐╨╗╨░╤В╤Г ╨╕╨╖ ╤Б╤Г╨╝╨╝╤Л, ╨║╨╛╤В╨╛╤А╤Г╤О ╨╖╨░╨╡╨╝╤Й╨╕╨║ ╨┐╨╛╨│╨░╤И╨░╨╡╤В.

Stripe, Alipay ╨╕ iZettle тАФ ╤Н╤В╨╛ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨┐╨╗╨░╤В╨╡╨╢╨╜╤Л╤Е ╤И╨╗╤О╨╖╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╝ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В╤Б╤П ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╛╨┤╨░╤О╤В ╤Б╨▓╨╛╨╕ ╤В╨╛╨▓╨░╤А╤Л ╨╕╨╗╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤Б╨▓╨╛╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╜╨░╨┐╤А╤П╨╝╤Г╤О ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝.

Klarna тАФ ╤Н╤В╨╛ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П, ╨╖╨░╨╜╨╕╨╝╨░╤О╤Й╨░╤П╤Б╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤П╨╝╨╕ ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨╣ ╨║╨╛╨╝╨╝╨╡╤А╤Ж╨╕╨╕, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╤Г ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨┤╨╗╤П ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╛╨║╤Г╨┐╨╛╨║ ╨╕ ╨▓╤Б╨╡╨│╨╛, ╤З╤В╨╛ ╤Б╨▓╤П╨╖╨░╨╜╨╛ ╤Б ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╨╝╨╕ ╤Б╨┤╨╡╨╗╨║╨░╨╝╨╕. Klarna ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л, ╨▓╨║╨╗╤О╤З╨░╤П ╨┐╤А╤П╨╝╤Л╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕, ╨╛╨┐╨╗╨░╤В╤Г ╨┐╨╛╤Б╨╗╨╡ ╨┤╨╛╤Б╤В╨░╨▓╨║╨╕ ╨╕ ╨╛╨┐╨╗╨░╤В╤Г ╨▓ ╨╕╨╜╤В╨╡╤А╨╜╨╡╤В-╨╝╨░╨│╨░╨╖╨╕╨╜╨░╤Е.

Robinhood тАФ ╨╛╨┤╨╜╨╛ ╨╕╨╖ ╨╝╨╜╨╛╨│╨╕╤Е ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╨╣, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┤╨╡╨╗╨░╤О╤В ╤Ж╨╕╤Д╤А╨╛╨▓╤Л╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╗╤П ╨░╨║╤Ж╨╕╤П╨╝╨╕ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╤Л╨╣. ╨С╨╕╨╖╨╜╨╡╤Б ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╨▓╨╛╨╕╨╝ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╤В╨╛╤А╨│╨╛╨▓╨╗╤О ╨▒╨╡╨╖ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╕, ╨░ ╤В╨░╨║╨╢╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╗╤О ╨▒╨╕╤А╨╢╨╡╨▓╤Л╨╝╨╕ ╤Д╨╛╨╜╨┤╨░╨╝╨╕; ╤Б╨╛╨▓╤Б╨╡╨╝ ╨╜╨╡╨┤╨░╨▓╨╜╨╛ ╨╛╨╜ ╨╜╨░╤З╨░╨╗ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╤Б╨▓╨╛╨╕╨╝ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╤В╨╛╤А╨│╨╛╨▓╨╗╤О ╨║╤А╨╕╨┐╤В╨╛╨▓╨░╨╗╤О╤В╨░╨╝╨╕.

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╕ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕

╨Ф╨░╨▓╨░╨╣╤В╨╡ ╨┐╨╛╤Б╨╝╨╛╤В╤А╨╕╨╝ ╨╜╨░ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╕ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕ ╨║╨╛╨╜╤Ж╨╡╨┐╤Ж╨╕╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣, ╤З╤В╨╛╨▒╤Л ╨╗╤Г╤З╤И╨╡ ╨┐╨╛╨╜╤П╤В╤М ╨║╨╛╨╜╤Ж╨╡╨┐╤Ж╨╕╤О.

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░

• ╨г╨╗╤Г╤З╤И╨╡╨╜╨╕╨╡ ╨┤╨╛╤Б╤В╤Г╨┐╨╜╨╛╤Б╤В╨╕ ╨▓ ╤Н╤В╨╛╨╝ ╤Б╨╡╨║╤В╨╛╤А╨╡ ╨┐╤А╨╕╨▓╨╛╨┤╨╕╤В ╨║ ╤Г╨▓╨╡╨╗╨╕╤З╨╡╨╜╨╕╤О ╤З╨╕╤Б╨╗╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╤Г╨╡╨╝╤Л╤Е ╨╗╨╕╤Ж, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨╗╤О╨▒╨╛╨╣, ╤Г ╨║╨╛╨│╨╛ ╨╡╤Б╤В╤М ╨▒╨╡╤Б╨┐╤А╨╛╨▓╨╛╨┤╨╜╨╛╨╡ ╨┐╨╛╨┤╨║╨╗╤О╤З╨╡╨╜╨╕╨╡, ╨╝╨╛╨╢╨╡╤В ╨▒╨╡╨╖ ╤В╤А╤Г╨┤╨░ ╤Б╨╛╨╖╨┤╨░╤В╤М ╤Г╤З╨╡╤В╨╜╤Г╤О ╨╖╨░╨┐╨╕╤Б╤М ╨╕ ╨╖╨░╨┐╤А╨╛╤Б╨╕╤В╤М ╤Б╤Б╤Г╨┤╤Г.
• ╨Т╤А╨╡╨╝╤П ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨╕ ╨╖╨░╤П╨▓╨╛╨║ Fintech ╨▓ ╤Б╤А╨╡╨┤╨╜╨╡╨╝ ╨▓╨░╤А╤М╨╕╤А╤Г╨╡╤В╤Б╤П ╨╛╤В 10 ╨╝╨╕╨╜╤Г╤В ╨┤╨╛ 48 ╤З╨░╤Б╨╛╨▓.
• ╨Я╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨▓╤Б╨╡ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╕ ╨▓╤Л╨┐╨╛╨╗╨╜╤П╤О╤В╤Б╤П ╤З╨╡╤А╨╡╨╖ ╨Ш╨╜╤В╨╡╤А╨╜╨╡╤В, ╨┐╨╛╤Б╨╡╤Й╨╡╨╜╨╕╨╡ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╛╤В╨┤╨╡╨╗╨╡╨╜╨╕╤П ╤В╤А╨╡╨▒╤Г╨╡╤В╤Б╤П ╤А╨╡╨┤╨║╨╛, ╤З╤В╨╛ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В ╨▓╤А╨╡╨╝╤П.
• ╨д╨╕╨╜╤В╨╡╤Е ╤Г╤Б╨┐╨╡╤И╨╜╨╛ ╤Б╨╡╨│╨╝╨╡╨╜╤В╨╕╤А╨╛╨▓╨░╨╗ ╤Г╤Б╨╗╤Г╨│╨╕, ╤З╤В╨╛╨▒╤Л ╤Г╨┤╨╛╨▓╨╗╨╡╤В╨▓╨╛╤А╨╕╤В╤М ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╨╕ ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨╕ ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨╛╨▓ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Г╤Б╨╗╤Г╨│ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨░ ╤Г╤Б╨╗╤Г╨│. ╨б╨╛ ╤Б╤В╨╛╤А╨╛╨╜╤Л ╨║╨╗╨╕╨╡╨╜╤В╨░ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╤Б╨╡╨║╤В╨╛╤А ╨▓╨║╨╗╤О╤З╨░╨╡╤В ╨▓ ╤Б╨╡╨▒╤П ╨╛╤В ╤Б╨╛╨╖╨┤╨░╨╜╨╕╤П ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ ╨╕ ╤А╨╡╨│╨╕╤Б╤В╤А╨░╤Ж╨╕╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╣ ╨║╨░╤А╤В╤Л ╨┤╨╛ ╤Г╤З╨░╤Б╤В╨╕╤П ╨▓ ╤Д╨╕╤А╨╝╨╡, ╨╕╤Й╤Г╤Й╨╡╨╣ ╨║╨░╨┐╨╕╤В╨░╨╗, ╨╕ ╨╜╨░ ╨╝╨╕╤А╨╛╨▓╤Л╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤А╤Л╨╜╨║╨░╤Е.
• ╨д╨╕╨╜╤В╨╡╤Е-╤А╨╡╤И╨╡╨╜╨╕╤П ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Г╤Б╨╗╤Г╨│ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П, ╤Б╤А╨╡╨┤╨╕ ╨┐╤А╨╛╤З╨╡╨│╨╛, ╨░╨╜╨░╨╗╨╕╨╖ ╨┐╤А╨╛╤Д╨╕╨╗╨╡╨╣ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╨╖╨░╤П╨▓╨╛╨║, ╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡ ╨┤╨░╨╜╨╜╤Л╤Е ╨▓ ╨╛╨▒╨╗╨░╨║╨╡ ╨╕ ╤Г╨┐╤А╨╛╤Й╨╡╨╜╨╕╨╡ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л.
• ╨Ь╨╜╨╛╨│╨╕╨╡ ╤Д╨╕╨╜╤В╨╡╤Е-╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╨▒╨╛╨╗╨╡╨╡ ╨┤╨╡╤И╨╡╨▓╤Л╨╡ ╤Г╤Б╨╗╤Г╨│╨╕, ╤З╨╡╨╝ ╨▒╨░╨╜╨║╨╕, ╤З╤В╨╛ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨╡╤Й╨╡ ╨╛╨┤╨╜╨╕╨╝ ╨╕╨╖ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╤Е ╨╛╤В╨╗╨╕╤З╨╕╤В╨╡╨╗╤М╨╜╤Л╤Е ╤Д╨░╨║╤В╨╛╤А╨╛╨▓, ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╛╨╜╨╕ ╤Б╤В╤А╨╡╨╝╤П╤В╤Б╤П ╨║╨╛╨╜╨║╤Г╤А╨╕╤А╨╛╨▓╨░╤В╤М ╤Б ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╝╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╝╨╕ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П╨╝╨╕.

╨Э╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕

• ╨Э╨╡╨┤╨╛╤Б╤В╨░╤В╨╛╨║ ╨╛╤Д╨╕╤Б╨╛╨▓ тАФ ╨╝╨╕╨╜╤Г╤Б ╤Д╨╕╨╜╤В╨╡╤Е╨░, ╤В╨░╨║ ╨║╨░╨║ ╨┐╤А╨╕ ╨┐╤А╨╛╨▒╨╗╨╡╨╝╨░╤Е ╤Б ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡╨╝ ╤Г╤Б╨╗╤Г╨│ ╤А╨╡╤И╨╡╨╜╨╕╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╨╛╨▓ ╨┐╤А╨╛╨╕╤Б╤Е╨╛╨┤╨╕╤В ╨┐╨╛ ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨╣ ╨┐╨╛╤З╤В╨╡ ╨╕╨╗╨╕ ╨▓ ╤Б╨╛╤Ж╨╕╨░╨╗╤М╨╜╤Л╤Е ╤Б╨╡╤В╤П╤Е.
• ╨Т ╤Б╨▓╤П╨╖╨╕ ╤Б ╤Н╤В╨╕╨╝, ╤Е╨╛╤В╤П ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤Д╨╕╤А╨╝ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨▒╨╗╨╛╨║╤З╨╡╨╣╨╜ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣ ╨┤╨╗╤П ╨┐╨╛╨▓╤Л╤И╨╡╨╜╨╕╤П ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╨╕ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╛╤В╨╗╨╕╤З╨╕╤П, ╨╜╨╡ ╨▓╤Б╨╡ ╨╕╨╖ ╨╜╨╕╤Е ╨┤╨╡╨╗╨░╤О╤В ╤Н╤В╨╛, ╤Б╤В╨░╨▓╤П ╨┐╨╛╨┤ ╤Г╨│╤А╨╛╨╖╤Г ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╤М ╨┤╨░╨╜╨╜╤Л╤Е ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓.
• ╨е╨╛╤В╤П ╨┤╨╗╤П ╨╝╨╜╨╛╨│╨╕╤Е ╤Н╤В╨╛ ╤В╨░╨║ ╨╢╨╡ ╨┐╤А╨╛╤Б╤В╨╛, ╨║╨░╨║ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╨╡ ╤В╨╡╨╗╨╡╤Д╨╛╨╜╨░, ╤А╨╡╨░╨╗╤М╨╜╨╛╤Б╤В╤М ╤В╨░╨║╨╛╨▓╨░, ╤З╤В╨╛ ╤Н╤В╨╕ ╨║╤А╨╕╤В╨╡╤А╨╕╨╕ ╨╕╤Б╨║╨╗╤О╤З╨░╤О╤В ╨╛╤З╨╡╨╜╤М ╨▒╨╛╨╗╤М╤И╤Г╤О ╤З╨░╤Б╤В╤М ╨╜╨░╤Б╨╡╨╗╨╡╨╜╨╕╤П, ╤Г ╨║╨╛╤В╨╛╤А╨╛╨╣ ╨╜╨╡╤В ╨┐╨╛╨┤╨║╨╗╤О╤З╨╡╨╜╨╕╤П ╨║ ╨Ш╨╜╤В╨╡╤А╨╜╨╡╤В╤Г ╨╕, ╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╨╡╨╗╤М╨╜╨╛, ╤Г ╨╜╨╕╤Е ╨▒╤Г╨┤╤Г╤В ╨┐╤А╨╛╨▒╨╗╨╡╨╝╤Л ╤Б ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡╨╝ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Г╤Б╨╗╤Г╨│, ╨╜╨╡╤Б╨╝╨╛╤В╤А╤П ╨╜╨░ ╤Б╤Г╤Й╨╡╤Б╤В╨▓╨╛╨▓╨░╨╜╨╕╨╡ ╤Д╨╕╨╜╤В╨╡╤Е╨░.
• ╨Ю╤В╤Б╤Г╤В╤Б╤В╨▓╨╕╨╡ ╤А╨╡╨│╤Г╨╗╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╨╡╤А╤М╨╡╨╖╨╜╨╛╨╣ ╨┐╤А╨╛╨▒╨╗╨╡╨╝╨╛╨╣ ╨▓ ╨╛╤В╤А╨░╤Б╨╗╨╕. ╨Т╨╗╨░╤Б╤В╨╕ ╨▓╨╛ ╨▓╤Б╨╡╨╝ ╨╝╨╕╤А╨╡ ╨▓╨╛ ╨╝╨╜╨╛╨│╨╕╤Е ╤Б╨╗╤Г╤З╨░╤П╤Е ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤О╤В ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╤В╤М ╨╕ ╤А╨╡╤И╨░╤В╤М ╤Н╤В╤Г ╨┐╤А╨╛╨▒╨╗╨╡╨╝╤Г. ╨в╨░╨║╨╕╨╝ ╨╛╨▒╤А╨░╨╖╨╛╨╝, ╨│╨╗╨╛╨▒╨░╨╗╤М╨╜╤Л╨╡ ╨┐╤А╨░╨▓╨╕╨╗╨░ ╨▓ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╨╕ ╤Д╨╕╨╜╤В╨╡╤Е╨░ ╨╜╨╡ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╡╨┤╨╕╨╜╤Л╨╝╨╕, ╨╕ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╨╖ ╨╜╨╕╤Е ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨┐╨╛╨┤╨▓╨╡╤А╨╢╨╡╨╜╤Л ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╤Г ╨▒╨╡╨╖ ╨╜╨░╨┤╨╖╨╛╤А╨░.

╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛-╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╤З╨╡╤Б╨║╨░╤П ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П?

╨Ы╤О╨▒╨╛╨╣ ╨▒╨╕╨╖╨╜╨╡╤Б, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╡╤В ╨Ш╨╜╤В╨╡╤А╨╜╨╡╤В, ╨╛╨▒╨╗╨░╤З╨╜╤Л╨╡ ╤А╨╡╤И╨╡╨╜╨╕╤П, ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╨╡ ╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л ╨╕╨╗╨╕ ╨║╨╛╨╝╨┐╤М╤О╤В╨╡╤А╨╜╨╛╨╡ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨╡ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╡ ╨┤╨╗╤П ╨▓╨╖╨░╨╕╨╝╨╛╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨╕╨╗╨╕ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Г╤Б╨╗╤Г╨│, ╨╜╨░╨╖╤Л╨▓╨░╨╡╤В╤Б╤П ┬л╤Д╨╕╨╜╤В╨╡╤Е┬╗.

╨Ч╨░╤З╨╡╨╝ ╨╕╨╖╤Г╤З╨░╤В╤М ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕?

╨Ш╨╖╤Г╤З╨╡╨╜╨╕╨╡ FinTech ╨▓╤Л╨┤╨╡╨╗╨╕╤В ╨▓╨░╤Б ╨╕╨╖ ╤В╨╛╨╗╨┐╤Л, ╤З╤В╨╛ ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛ ╨▓╨░╨╢╨╜╨╛ ╨▓ ╨╛╤В╤А╨░╤Б╨╗╤П╤Е ╤Б ╨╢╨╡╤Б╤В╨║╨╛╨╣ ╨║╨╛╨╜╨║╤Г╤А╨╡╨╜╤Ж╨╕╨╡╨╣. ╨б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╤М ╨┐╨╛╨╜╨╕╨╝╨░╤В╤М ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╤А╨╛╤Ж╨╡╨┤╤Г╤А╤Л ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╕, ╨╜╨╡╤Б╨╛╨╝╨╜╨╡╨╜╨╜╨╛, ╨┐╤А╨╕╨╜╨╛╤Б╨╕╤В ╤З╤Г╨▓╤Б╤В╨▓╨╛ ╨▓╤Л╨┐╨╛╨╗╨╜╨╡╨╜╨╜╨╛╨│╨╛ ╨┤╨╛╨╗╨│╨░. ╨д╨╕╨╜╤В╨╡╤Е тАФ ╤Н╤В╨╛ ╨▒╤Л╤Б╤В╤А╨╛╤А╨░╤Б╤В╤Г╤Й╨╕╨╣ ╨▒╨╕╨╖╨╜╨╡╤Б, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╨▒╨╡╨╖╨│╤А╨░╨╜╨╕╤З╨╜╤Л╨╡ ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╨╕ ╨┤╨╗╤П ╤Г╨╗╤Г╤З╤И╨╡╨╜╨╕╤П ╨╜╨░╤И╨╕╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤Б╨╕╤Б╤В╨╡╨╝.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨║╤Г╤А╤Б ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣?

╨н╤В╨╛ ╨┐╨╡╤А╤Б╨┐╨╡╨║╤В╨╕╨▓╨╜╨░╤П ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░, ╤А╨░╨╖╤А╨░╨▒╨╛╤В╨░╨╜╨╜╨░╤П ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╤М╨╜╨╛ ╨┤╨╗╤П ╨╗╤О╨┤╨╡╨╣, ╨╖╨░╨╕╨╜╤В╨╡╤А╨╡╤Б╨╛╨▓╨░╨╜╨╜╤Л╤Е ╨▓ ╨╜╨░╤З╨░╨╗╨╡ ╨║╨░╤А╤М╨╡╤А╤Л ╨▓ ╤Б╤Д╨╡╤А╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╤Е ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╣. ╨С╨╛╨╗╤М╤И╨╕╨╡ ╨┤╨░╨╜╨╜╤Л╨╡ ╨╕ ╨░╨╜╨░╨╗╨╕╤В╨╕╨║╨░, ╨▓╤Л╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П ╨┤╨╗╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓, ╨▒╨╗╨╛╨║╤З╨╡╨╣╨╜ ╨╕ ╨║╤А╨╕╨┐╤В╨╛╨▓╨░╨╗╤О╤В╤Л, ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╨╡ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨╕ ╨┤╤А╤Г╨│╨╕╨╡ ╤Б╨╛╨▓╤А╨╡╨╝╨╡╨╜╨╜╤Л╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨▓╤Е╨╛╨┤╤П╤В ╨▓ ╨║╨░╤В╨╡╨│╨╛╤А╨╕╤О ╤Д╨╕╨╜╤В╨╡╤Е╨░.

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨╛ ╨▒╤Л╨╗╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ ╤В╨╛╨╝╤Г, ╤З╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤В╨╡╤Е╨╜╨╛╨╗╨╛╨│╨╕╨╕ (FinTech) ╨╕ ╨╕╤Е ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡. ╨Ь╤Л ╨╛╨▒╤К╤П╤Б╨╜╤П╨╡╨╝ ╨╡╨│╨╛ ╤В╨╕╨┐╤Л, ╨┐╤А╨╕╨╝╨╡╤А╤Л, ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨╕ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕. ╨Ч╨┤╨╡╤Б╤М ╨▓╤Л ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В╨╡ ╨╜╨░╨╣╤В╨╕ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╤Е ╤Б╤В╨░╤В╨╡╨╣:

• ╨С╨╗╨╛╨║╤З╨╡╨╣╨╜-╨║╨╛╤И╨╡╨╗╨╡╨║
• ╨Ф╨╛╨╗╤П ╨║╨╛╤И╨╡╨╗╤М╨║╨░
• ╨Ъ╤А╨╕╨┐╤В╨╛-╤В╨╛╨║╨╡╨╜