{"id":2976,"date":"2026-10-22T22:37:19","date_gmt":"2026-10-22T19:07:19","guid":{"rendered":"https:\/\/meemalef.ir\/?p=2976"},"modified":"2026-10-22T22:37:20","modified_gmt":"2026-10-22T19:07:20","slug":"%d8%a2%db%8c%d8%a7-bnpl-%d8%a8%d8%a7%d8%b9%d8%ab-%d8%ae%d9%84%d9%82-%d9%be%d9%88%d9%84-%d9%85%db%8c%d8%b4%d9%88%d8%af%d8%9f","status":"publish","type":"post","link":"https:\/\/meemalef.ir\/?p=2976","title":{"rendered":"\u0622\u06cc\u0627 BNPL \u0628\u0627\u0639\u062b \u062e\u0644\u0642 \u067e\u0648\u0644 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f"},"content":{"rendered":"\n<p>\u0631\u0634\u062f \u0641\u0631\u0627\u06af\u06cc\u0631\u06cc \u0645\u062f\u0644 \u06a9\u0633\u0628\u200c\u0648\u06a9\u0627\u0631\u06cc \u00ab\u0627\u0644\u0622\u0646 \u0628\u062e\u0631\u060c \u0628\u0639\u062f\u0627\u064b \u067e\u0631\u062f\u0627\u062e\u062a \u06a9\u0646\u00bb \u06cc\u0627 BNPL \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 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\u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0647 \u0627\u0641\u0632\u0627\u06cc\u0634 \u062a\u0648\u0644\u06cc\u062f (\u0631\u0648\u0646\u0642) \u0645\u0646\u062c\u0631 \u0634\u0648\u062f \u0648 \u0646\u0647 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a. <strong>\u06cc\u0639\u0646\u06cc \u0628\u0627 \u067e\u06cc\u0634\u200c\u0634\u0631\u0637\u200c\u0647\u0627\u06cc\u06cc\u060c BNPL \u0631\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u0627\u0628\u0632\u0627\u0631\u06cc \u0628\u0631\u0627\u06cc \u062e\u0631\u0648\u062c \u0627\u0632 \u0631\u06a9\u0648\u062f \u062a\u0648\u0631\u0645\u06cc \u062a\u0644\u0642\u06cc \u06a9\u0631\u062f.<\/strong><\/p>\n\n\n\n<p>\u0627\u0632 \u0633\u0648\u06cc \u062f\u06cc\u06af\u0631\u060c \u0627\u06cc\u0646 \u0631\u0627\u0628\u0637\u06c0 \u0639\u0644\u06cc \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0645\u0639\u06a9\u0648\u0633 \u0647\u0645 \u0628\u0627\u0634\u062f. \u06cc\u0639\u0646\u06cc \u062f\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u06cc \u0628\u0627 \u062a\u0648\u0631\u0645 \u0628\u0627\u0644\u0627\u060c \u062e\u0627\u0646\u0648\u0627\u0631\u0647\u0627 \u0628\u0631\u0627\u06cc \u0645\u0635\u0648\u0646 \u0645\u0627\u0646\u062f\u0646 \u0627\u0632 \u0627\u0641\u0632\u0627\u06cc\u0634 \u0642\u06cc\u0645\u062a\u060c \u0628\u0631\u0627\u06cc \u062c\u0644\u0648 \u0627\u0646\u062f\u0627\u062e\u062a\u0646 \u062e\u0631\u06cc\u062f\u0647\u0627\u06cc \u0622\u062a\u06cc \u062e\u0648\u062f \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0628\u06cc\u0634\u062a\u0631 \u0628\u0647 BNPL \u0631\u0648\u06cc \u0628\u06cc\u0627\u0648\u0631\u0646\u062f\u060c \u0632\u06cc\u0631\u0627 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0632\u06cc\u0646\u06c0 \u06a9\u0627\u0644\u0627\u06cc \u0627\u0645\u0631\u0648\u0632 \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u062f\u0631 \u0648\u0627\u0642\u0639 \u0627\u0631\u0632\u0627\u0646\u200c\u062a\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u062f\u0631 \u0646\u062a\u06cc\u062c\u0647 \u0628\u0627\u06cc\u062f \u0645\u0631\u0627\u0642\u0628 \u062e\u0637\u0627\u06cc \u062a\u062d\u0644\u06cc\u0644\u06cc \u0639\u0644\u06cc\u062a \u0645\u0639\u06a9\u0648\u0633 (Reverse Causality) \u0628\u0648\u062f: <strong>\u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u062a\u0648\u0631\u0645 \u0628\u0627\u0644\u0627 \u0645\u0648\u062c\u0628 \u0631\u0634\u062f BNPL \u0634\u0648\u062f\u060c \u0646\u0647 \u0627\u06cc\u0646\u06a9\u0647 \u0631\u0634\u062f BNPL \u0639\u0644\u062a \u062a\u0648\u0631\u0645 \u0628\u0627\u0634\u062f.<\/strong><\/p>\n\n\n\n<p>\u0627\u06cc\u0646 \u0645\u0648\u0636\u0648\u0639 \u062f\u0631 \u0627\u0642\u062a\u0635\u0627\u062f\u0647\u0627\u06cc\u06cc \u0628\u0627 \u062a\u0648\u0631\u0645 \u0628\u0627\u0644\u0627 \u0645\u062b\u0644 \u0627\u0642\u062a\u0635\u0627\u062f \u0627\u06cc\u0631\u0627\u0646 \u0627\u0647\u0645\u06cc\u062a \u0645\u0636\u0627\u0639\u0641 \u062f\u0627\u0631\u062f. \u0648\u0642\u062a\u06cc \u0627\u0631\u0632\u0634 \u0648\u0627\u0642\u0639\u06cc \u067e\u0648\u0644 \u0628\u0647\u200c\u0633\u0631\u0639\u062a \u06a9\u0627\u0647\u0634 \u0645\u06cc\u200c\u06cc\u0627\u0628\u062f\u060c \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u062f\u0647\u06cc \u062f\u0631 \u0622\u06cc\u0646\u062f\u0647 \u0646\u0633\u0628\u062a \u0628\u0647 \u067e\u0631\u062f\u0627\u062e\u062a \u0647\u0645\u0627\u0646 \u0645\u0628\u0644\u063a \u062f\u0631 \u0632\u0645\u0627\u0646 \u062d\u0627\u0644\u060c \u0627\u0631\u0632\u0634 \u0648\u0627\u0642\u0639\u06cc \u06a9\u0645\u062a\u0631\u06cc \u062f\u0627\u0631\u062f. \u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c BNPL \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u062c\u0630\u0627\u0628\u06cc\u062a \u0628\u06cc\u0634\u062a\u0631\u06cc \u067e\u06cc\u062f\u0627 \u06a9\u0646\u062f \u0648 \u0631\u0634\u062f \u0622\u0646 \u0646\u06cc\u0632 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0633\u0631\u06cc\u0639\u200c\u062a\u0631 \u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u0627\u0644\u0628\u062a\u0647 \u0627\u06cc\u0646 \u0686\u0631\u062e\u0647 \u0631\u0627 \u0646\u0628\u0627\u06cc\u062f \u0628\u0647\u200c\u0639\u0646\u0648\u0627\u0646 \u06cc\u06a9 \u0631\u0627\u0628\u0637\u06c0 \u0642\u0637\u0639\u06cc \u0648 \u062e\u0648\u062f\u06a9\u0627\u0631 \u062a\u0644\u0642\u06cc \u06a9\u0631\u062f\u061b \u0634\u062f\u062a \u0622\u0646 \u0628\u0647 \u0633\u0627\u062e\u062a\u0627\u0631 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc\u060c \u0627\u0646\u062f\u0627\u0632\u0647 \u0628\u0627\u0632\u0627\u0631 BNPL\u060c \u0648\u0636\u0639\u06cc\u062a \u0639\u0631\u0636\u0647 \u0648 \u0633\u06cc\u0627\u0633\u062a \u067e\u0648\u0644\u06cc \u0628\u0633\u062a\u06af\u06cc \u062f\u0627\u0631\u062f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631 \u0628\u0627\u06cc\u062f \u0686\u0647 \u06a9\u0646\u062f\u061f<\/h2>\n\n\n\n<p>\u067e\u0633 <strong>\u062e\u0644\u0642 \u0627\u0639\u062a\u0628\u0627\u0631<\/strong>\u060c <strong>\u062e\u0644\u0642 \u067e\u0648\u0644<\/strong> \u0648 <strong>\u062a\u0648\u0631\u0645 <\/strong>\u0644\u0632\u0648\u0645\u0627\u064b \u06cc\u06a9\u06cc \u0646\u06cc\u0633\u062a\u0646\u062f \u0627\u0645\u0627 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u0646\u062f \u0628\u0647 \u0647\u0645 \u0645\u0631\u062a\u0628\u0637 \u0634\u0648\u0646\u062f. <strong>\u0646\u0642\u0637\u06c0 \u062d\u0633\u0627\u0633 \u0627\u06cc\u0646 \u0627\u0631\u062a\u0628\u0627\u0637\u060c \u0645\u0646\u0628\u0639 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc BNPL \u0627\u0633\u062a.<\/strong><\/p>\n\n\n\n<p>\u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631 \u0628\u0647 \u062c\u0627\u06cc \u0627\u06cc\u0646\u200c\u06a9\u0647 \u0628\u067e\u0631\u0633\u062f: \u00ab\u0633\u0631\u0648\u06cc\u0633\u200c\u062f\u0647\u0646\u062f\u06c0 BNPL \u0628\u0627\u0646\u06a9 \u0647\u0633\u062a \u06cc\u0627 \u0646\u06cc\u0633\u062a\u061f \u0627\u06af\u0631 \u0646\u06cc\u0633\u062a \u0628\u0627\u06cc\u062f \u062a\u0639\u0637\u06cc\u0644 \u06a9\u0646\u062f\u00bb\u060c \u0628\u0627\u06cc\u062f \u0628\u067e\u0631\u0633\u062f \u00ab\u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0631\u0627\u0626\u0647\u200c\u0634\u062f\u0647 \u0627\u0632 \u0686\u0647 \u0645\u0646\u0628\u0639\u06cc \u062a\u0623\u0645\u06cc\u0646 \u0645\u06cc\u200c\u0634\u0648\u062f\u061f\u00bb<\/p>\n\n\n\n<p>\u0628\u0631 \u0627\u06cc\u0646 \u0627\u0633\u0627\u0633 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646 \u062f\u0633\u062a\u200c\u06a9\u0645 \u0633\u0647 \u0645\u062f\u0644 BNPL \u0631\u0627 \u0627\u0632 \u06cc\u06a9\u062f\u06cc\u06af\u0631 \u062a\u0641\u06a9\u06cc\u06a9 \u06a9\u0631\u062f:<\/p>\n\n\n\n<p>\u062f\u0631 <strong>\u0645\u062f\u0644 \u0627\u0648\u0644<\/strong>\u060c \u0641\u06cc\u0646\u200c\u062a\u06a9 \u0627\u0632 \u0633\u0631\u0645\u0627\u06cc\u06c0 \u062e\u0648\u062f \u06cc\u0627 \u0645\u0646\u0627\u0628\u0639 \u0633\u0631\u0645\u0627\u06cc\u0647\u200c\u06af\u0630\u0627\u0631\u0627\u0646 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f. <strong>\u062f\u0631 \u0627\u06cc\u0646 \u062d\u0627\u0644\u062a\u060c \u0639\u0645\u062f\u062a\u0627\u064b \u0628\u0627 \u062a\u062e\u0635\u06cc\u0635 \u0645\u062c\u062f\u062f \u0645\u0646\u0627\u0628\u0639 \u0645\u0648\u062c\u0648\u062f \u0645\u0648\u0627\u062c\u0647\u06cc\u0645 \u0648 \u0627\u0631\u062a\u0628\u0627\u0637 \u0645\u0633\u062a\u0642\u06cc\u0645\u06cc \u0628\u0627 \u062e\u0644\u0642 \u067e\u0648\u0644 \u0648\u062c\u0648\u062f \u0646\u062f\u0627\u0631\u062f<\/strong>.<\/p>\n\n\n\n<p>\u062f\u0631 <strong>\u0645\u062f\u0644 \u062f\u0648\u0645<\/strong>\u060c \u0641\u06cc\u0646\u200c\u062a\u06a9 \u0627\u0632 \u06cc\u06a9 \u0628\u0627\u0646\u06a9 \u062e\u0637 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0645\u06cc\u200c\u06a9\u0646\u062f. \u062f\u0631 \u0627\u06cc\u0646\u062c\u0627 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u062f\u0631 \u0633\u0637\u062d \u0628\u0627\u0646\u06a9\u060c \u0627\u0639\u062a\u0628\u0627\u0631\u062f\u0647\u06cc \u0628\u0627 \u0627\u06cc\u062c\u0627\u062f \u0633\u067e\u0631\u062f\u0647 \u0647\u0645\u0631\u0627\u0647 \u0634\u0648\u062f. \u0628\u0646\u0627\u0628\u0631\u0627\u06cc\u0646 <strong>BNPL \u062f\u0631 \u0627\u0646\u062a\u0647\u0627\u06cc \u06cc\u06a9 \u0632\u0646\u062c\u06cc\u0631\u0647 \u0642\u0631\u0627\u0631 \u0645\u06cc\u200c\u06af\u06cc\u0631\u062f \u06a9\u0647 \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u062f \u0628\u0627 \u062e\u0644\u0642 \u067e\u0648\u0644 \u0628\u0627\u0646\u06a9\u06cc \u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0634\u062f<\/strong>.<\/p>\n\n\n\n<p>\u062f\u0631 <strong>\u0645\u062f\u0644 \u0633\u0648\u0645<\/strong>\u060c \u0641\u06cc\u0646\u200c\u062a\u06a9 \u0627\u0632 \u0648\u062c\u0648\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u06cc\u0627 \u0645\u0646\u0627\u0628\u0639\u06cc \u0628\u0627 \u0645\u0627\u0647\u06cc\u062a \u0634\u0628\u0647\u200c\u0633\u067e\u0631\u062f\u0647\u200c\u0627\u06cc \u0628\u0631\u0627\u06cc \u062a\u0623\u0645\u06cc\u0646 \u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0645\u06cc\u200c\u06a9\u0646\u062f. <strong>\u0627\u06cc\u0646 \u0645\u062f\u0644 \u0627\u0632 \u0645\u0646\u0638\u0631 \u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631 \u0628\u0633\u06cc\u0627\u0631 \u062d\u0633\u0627\u0633\u200c\u062a\u0631 \u0627\u0633\u062a<\/strong>\u061b \u0632\u06cc\u0631\u0627 \u0645\u0645\u06a9\u0646 \u0627\u0633\u062a \u0645\u0648\u062c\u0648\u062f\u06cc\u062a\u06cc \u06a9\u0647 \u0645\u062c\u0648\u0632 \u0628\u0627\u0646\u06a9\u062f\u0627\u0631\u06cc \u0646\u062f\u0627\u0631\u062f\u060c \u0648\u0627\u0631\u062f \u062d\u0648\u0632\u0647\u200c\u0627\u06cc \u0627\u0632 \u0648\u0627\u0633\u0637\u0647\u200c\u06af\u0631\u06cc \u0645\u0627\u0644\u06cc (financial intermediation) \u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u0627\u0632 \u0645\u0646\u0638\u0631 \u062a\u0646\u0638\u06cc\u0645\u200c\u06af\u0631\u06cc \u0628\u0647\u062a\u0631 \u0627\u0633\u062a \u0628\u0647 \u062c\u0627\u06cc \u062a\u0645\u0631\u06a9\u0632 \u0635\u0631\u0641 \u0628\u0631 \u0639\u0646\u0648\u0627\u0646 BNPL \u0648 \u0635\u0631\u0641 \u0632\u0645\u0627\u0646 \u0648 \u0627\u0646\u0631\u0698\u06cc \u0628\u0631\u0627\u06cc \u0627\u0636\u0627\u0641\u0647 \u06a9\u0631\u062f\u0646 \u06cc\u06a9 \u0645\u062c\u0648\u0632 \u062c\u062f\u06cc\u062f\u060c \u0632\u0646\u062c\u06cc\u0631\u06c0 \u0641\u0639\u0627\u0644\u06cc\u062a \u0631\u0627 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0633\u0647 \u0645\u062f\u0644 \u0645\u0648\u0631\u062f \u0627\u0634\u0627\u0631\u0647 \u0628\u0631\u0631\u0633\u06cc \u06a9\u0631\u062f.<\/p>\n\n\n\n<p>\u0647\u0631\u0686\u0647 \u06cc\u06a9 \u0645\u062f\u0644 BNPL \u062f\u0631 \u0632\u0646\u062c\u06cc\u0631\u0647 \u0628\u0647 \u0633\u0645\u062a <strong>\u0648\u0627\u0633\u0637\u0647\u200c\u06af\u0631\u06cc \u0627\u0639\u062a\u0628\u0627\u0631\u06cc<\/strong>\u060c <strong>\u0627\u06cc\u062c\u0627\u062f \u0627\u0647\u0631\u0645 \u0645\u0627\u0644\u06cc<\/strong>\u060c <strong>\u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0645\u0646\u0627\u0628\u0639 \u0627\u0634\u062e\u0627\u0635 \u062b\u0627\u0644\u062b<\/strong> \u0648 <strong>\u0627\u0631\u062a\u0628\u0627\u0637 \u0639\u0645\u06cc\u0642\u200c\u062a\u0631 \u0628\u0627 \u0634\u0628\u06a9\u0647 \u0628\u0627\u0646\u06a9\u06cc<\/strong> \u062d\u0631\u06a9\u062a \u06a9\u0646\u062f\u060c \u0636\u0631\u0648\u0631\u062a \u0627\u0639\u0645\u0627\u0644 \u0627\u0644\u0632\u0627\u0645\u0627\u062a \u0627\u062d\u062a\u06cc\u0627\u0637\u06cc (prudential) \u0648 \u0646\u0638\u0627\u0631\u062a\u06cc \u0646\u06cc\u0632 \u0628\u06cc\u0634\u062a\u0631 \u0645\u06cc\u200c\u0634\u0648\u062f.<\/p>\n\n\n\n<p>\u062f\u0631 \u0646\u062a\u06cc\u062c\u0647\u060c \u0647\u0645\u0647 BNPL\u0647\u0627 \u0646\u0628\u0627\u06cc\u062f \u0627\u0644\u0632\u0627\u0645\u0627\u064b \u062a\u062d\u062a \u06cc\u06a9 \u0631\u0698\u06cc\u0645 \u0645\u0642\u0631\u0631\u0627\u062a\u06cc \u0642\u0631\u0627\u0631 \u06af\u06cc\u0631\u0646\u062f. \u06cc\u06a9 \u0645\u062f\u0644 BNPL \u06a9\u0647 \u0635\u0631\u0641\u0627\u064b \u06cc\u06a9 \u0627\u0628\u0632\u0627\u0631 \u067e\u0631\u062f\u0627\u062e\u062a \u0628\u0627 \u062a\u0623\u0645\u06cc\u0646 \u0645\u0627\u0644\u06cc \u0645\u062d\u062f\u0648\u062f \u0648 \u0627\u0632 \u067e\u06cc\u0634 \u0645\u0634\u062e\u0635 \u0627\u0633\u062a\u060c \u0627\u0632 \u0646\u0638\u0631 \u0631\u06cc\u0633\u06a9 \u0628\u0627 \u0645\u062f\u0644\u06cc \u06a9\u0647 \u0628\u0647\u200c\u0635\u0648\u0631\u062a \u06af\u0633\u062a\u0631\u062f\u0647 \u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u06cc\u062c\u0627\u062f \u0645\u06cc\u200c\u06a9\u0646\u062f \u0648 \u0627\u0632 \u0645\u0646\u0627\u0628\u0639 \u0628\u0627\u0646\u06a9\u06cc \u06cc\u0627 \u0648\u062c\u0648\u0647 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