{"id":9311,"date":"2026-02-13T12:41:49","date_gmt":"2026-02-13T12:41:49","guid":{"rendered":"https:\/\/userq.com\/?p=9311"},"modified":"2026-02-20T07:22:48","modified_gmt":"2026-02-20T07:22:48","slug":"%d8%b9%d8%a7%d8%af%d8%a7%d8%aa-%d8%a7%d8%b3%d8%aa%d8%ae%d8%af%d8%a7%d9%85-%d8%a8%d8%b7%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7%d9%84%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86-%d9%81%d9%8a-%d8%a7%d9%84%d8%a5%d9%85","status":"publish","type":"post","link":"https:\/\/userq.com\/ar\/%d8%b9%d8%a7%d8%af%d8%a7%d8%aa-%d8%a7%d8%b3%d8%aa%d8%ae%d8%af%d8%a7%d9%85-%d8%a8%d8%b7%d8%a7%d9%82%d8%a7%d8%aa-%d8%a7%d9%84%d8%a7%d8%a6%d8%aa%d9%85%d8%a7%d9%86-%d9%81%d9%8a-%d8%a7%d9%84%d8%a5%d9%85\/","title":{"rendered":"\u0639\u0627\u062f\u0627\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629: \u0625\u0644\u064a\u0643 \u0645\u0627 \u062a\u0648\u0635\u0644\u0646\u0627 \u0625\u0644\u064a\u0647 \u0628\u0639\u062f \u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0622\u0631\u0627\u0621 500 \u0634\u062e\u0635."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9311\" class=\"elementor elementor-9311 elementor-9298\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65e6860 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65e6860\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b61f892\" data-id=\"b61f892\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55606d0 elementor-widget elementor-widget-text-editor\" data-id=\"55606d0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-4\" data-testid=\"conversation-turn-6\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"b0e5d97a-3f80-4e17-877b-2112d4610334\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"173\">\u0634\u064e\u0647\u0650\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0623\u0646\u062d\u0627\u0621 \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u062a\u0637\u0648\u0631\u064b\u0627 \u0645\u062a\u0633\u0627\u0631\u0639\u064b\u0627\u060c \u062d\u064a\u062b \u0627\u0646\u062a\u0642\u0644 \u0645\u0646 \u0643\u0648\u0646\u0647 \u0623\u062f\u0627\u0629 \u0645\u062e\u0635\u0635\u0629 \u0644\u0644\u0633\u0641\u0631 \u0648\u0627\u0644\u0631\u0641\u0627\u0647\u064a\u0629 \u0625\u0644\u0649 \u0623\u062f\u0627\u0629 \u0645\u0627\u0644\u064a\u0629 \u064a\u0648\u0645\u064a\u0629 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0633\u064a\u0648\u0644\u0629.<\/p><p data-start=\"175\" data-end=\"508\">\u0648\u0644\u0641\u0647\u0645 \u0633\u0644\u0648\u0643\u064a\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646\u060c \u0623\u062c\u0631\u064a\u0646\u0627 \u0645\u0624\u062e\u0631\u064b\u0627 \u0627\u0633\u062a\u0637\u0644\u0627\u0639\u064b\u0627 \u0634\u0645\u0644 500 \u0645\u0642\u064a\u0645 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0645\u0646 \u062c\u0646\u0633\u064a\u0627\u062a \u0648\u0641\u0626\u0627\u062a \u062f\u062e\u0644 \u0648\u0645\u0647\u0646 \u0645\u062e\u062a\u0644\u0641\u0629. \u0648\u064a\u0647\u062f\u0641 \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0625\u0644\u0649 \u0642\u064a\u0627\u0633 \u062a\u0648\u062c\u0647\u0627\u062a \u0645\u0633\u062a\u062e\u062f\u0645\u064a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637\u060c \u0645\u0639 \u062a\u063a\u0637\u064a\u0629 \u0645\u062d\u0627\u0648\u0631 \u0631\u0626\u064a\u0633\u064a\u0629 \u062a\u0634\u0645\u0644 \u0623\u0646\u0645\u0627\u0637 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u062a\u0641\u0636\u064a\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0633\u0644\u0648\u0643\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0648\u0623\u0647\u0645 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0627\u0644\u0642\u0631\u0627\u0631\u060c \u0648\u063a\u064a\u0631\u0647\u0627.<\/p><p data-start=\"510\" data-end=\"562\">\u0648\u062a\u0634\u064a\u0631 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0625\u0644\u0649 \u062b\u0644\u0627\u062b \u0645\u0624\u0634\u0631\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0644\u0644\u0633\u0648\u0642:<\/p><ul data-start=\"564\" data-end=\"768\" data-is-last-node=\"\" data-is-only-node=\"\"><li data-start=\"564\" data-end=\"615\"><p data-start=\"566\" data-end=\"615\">\u062a\u0632\u0627\u064a\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u064a\u0648\u0645\u064a<\/p><\/li><li data-start=\"616\" data-end=\"677\"><p data-start=\"618\" data-end=\"677\">\u0647\u064a\u0645\u0646\u0629 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0648\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0645\u0642\u0627\u0628\u0644 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0639\u0644\u0649 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631<\/p><\/li><li data-start=\"678\" data-end=\"768\" data-is-last-node=\"\"><p data-start=\"680\" data-end=\"768\" data-is-last-node=\"\">\u0627\u0639\u062a\u0645\u0627\u062f \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a \u0639\u0644\u0649 \u0645\u062f\u0649 \u0642\u062f\u0631\u0629 \u0627\u0644\u062c\u0647\u0627\u062a \u0627\u0644\u0645\u064f\u0635\u062f\u0650\u0631\u0629 \u0639\u0644\u0649 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u062e\u0627\u0648\u0641 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0631\u0633\u0648\u0645<\/p><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-634a02f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"634a02f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-79eee4a\" data-id=\"79eee4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26fda07 elementor-widget elementor-widget-heading\" data-id=\"26fda07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0623\u0647\u0645 \u0627\u0644\u0646\u0642\u0627\u0637<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a79b97f elementor-widget elementor-widget-text-editor\" data-id=\"a79b97f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-8\" data-testid=\"conversation-turn-14\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"e45dc045-68f0-406f-bc8a-4d9db54b3af2\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"115\"><em>\u0645\u0644\u0627\u062d\u0638\u0629: \u062c\u0645\u064a\u0639 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0645\u0639\u0631\u0648\u0636\u0629 \u062a\u0645\u062b\u0644 \u0646\u0633\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0644\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 (\u0645\u0646 \u0628\u064a\u0646 500 \u0645\u0642\u064a\u0645 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a) \u0627\u0644\u0630\u064a\u0646 \u0627\u062e\u062a\u0627\u0631\u0648\u0627 \u0643\u0644 \u062e\u064a\u0627\u0631.<\/em><\/p><ol data-start=\"117\" data-end=\"618\" data-is-last-node=\"\" data-is-only-node=\"\"><li data-start=\"117\" data-end=\"288\"><p data-start=\"120\" data-end=\"288\"><strong data-start=\"120\" data-end=\"167\">\u0627\u0644\u0627\u0646\u062a\u0642\u0627\u0644 \u0645\u0646 \u0623\u062f\u0627\u0629 \u0645\u0627\u0644\u064a\u0629 \u0639\u0631\u0636\u064a\u0629 \u0625\u0644\u0649 \u0623\u062f\u0627\u0629 \u064a\u0648\u0645\u064a\u0629<\/strong><br data-start=\"167\" data-end=\"170\" \/>\u062a\u0634\u0645\u0644 \u0623\u0628\u0631\u0632 \u062b\u0644\u0627\u062b\u0629 \u0645\u062c\u0627\u0644\u0627\u062a \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646: \u0627\u0644\u062a\u0633\u0648\u0642 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a (81.8%)\u060c \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 (72%)\u060c \u0648\u0627\u0644\u0633\u0641\u0631 (70%).<\/p><\/li><li data-start=\"290\" data-end=\"427\"><p data-start=\"293\" data-end=\"427\"><strong data-start=\"293\" data-end=\"328\">\u0627\u062d\u062a\u0641\u0627\u0638 \u0641\u064a\u0632\u0627 \u0648\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f \u0628\u0627\u0644\u0647\u064a\u0645\u0646\u0629<\/strong><br data-start=\"328\" data-end=\"331\" \/>\u0643\u0645\u0627 \u0647\u0648 \u0645\u062a\u0648\u0642\u0639\u060c \u062a\u064f\u0639\u062f \u0628\u0637\u0627\u0642\u062a\u0627 \u0641\u064a\u0632\u0627 (82.6%) \u0648\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f (64.4%) \u0627\u0644\u0623\u0643\u062b\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0646\u0637\u0642\u0629.<\/p><\/li><li data-start=\"429\" data-end=\"618\" data-is-last-node=\"\"><p data-start=\"432\" data-end=\"618\" data-is-last-node=\"\"><strong data-start=\"432\" data-end=\"454\">\u0623\u0647\u0645 \u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631<\/strong><br data-start=\"454\" data-end=\"457\" \/>\u062a\u062a\u0635\u062f\u0631 \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629 \u0648\u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a (74.8%) \u0648\u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 (55.6%) \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0623\u062e\u0630\u0647\u0627 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u0648\u0646 \u0628\u0639\u064a\u0646 \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0639\u0646\u062f \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646.<\/p><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f052c8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f052c8d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74645b3\" data-id=\"74645b3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca80c49 elementor-widget elementor-widget-heading\" data-id=\"ca80c49\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u064a\u0646 \u0641\u064a \u0627\u0633\u062a\u0637\u0644\u0627\u0639\u0646\u0627<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cf0e3e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cf0e3e4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7fa5242\" data-id=\"7fa5242\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d71177 elementor-widget elementor-widget-text-editor\" data-id=\"1d71177\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-10\" data-testid=\"conversation-turn-18\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"561ffa26-88b4-472b-a0dc-3b9700cdb4d3\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"258\">\u062c\u0631\u064a\u0646\u0627 \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 500 \u0645\u0642\u064a\u0645 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0634\u0645\u0644 \u062c\u0645\u064a\u0639 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0643\u0628\u0631\u0649 \u0645\u0639 \u062a\u0631\u0643\u064a\u0632 \u0648\u0627\u0636\u062d \u0639\u0644\u0649 \u0623\u0628\u0648\u0638\u0628\u064a \u0648\u062f\u0628\u064a. \u0648\u064a\u064f\u0645\u062b\u0644 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u0648\u0646 \u062a\u0646\u0648\u0639 \u0627\u0644\u0633\u0643\u0627\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0628\u0634\u0643\u0644 \u062c\u064a\u062f\u060c \u062d\u064a\u062b \u0634\u0645\u0644\u0648\u0627 \u0627\u0644\u062c\u0646\u0633\u064a\u0629 \u0627\u0644\u0647\u0646\u062f\u064a\u0629 (25%)\u060c\u00a0 \u0627\u0644\u062c\u0646\u0633\u064a\u0629 \u0627\u0644\u0628\u0627\u0643\u0633\u062a\u0627\u0646\u064a\u0629 (18%)\u060c \u0648 \u0627\u0644\u062c\u0646\u0633\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 (11%) \u0625\u0644\u0649 \u062c\u0627\u0646\u0628 \u062c\u0646\u0633\u064a\u0627\u062a \u0623\u062e\u0631\u0649.<\/p><p data-start=\"260\" data-end=\"481\" data-is-last-node=\"\" data-is-only-node=\"\">\u0648\u0643\u0627\u0646\u062a \u0627\u0644\u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0639\u0638\u0645\u0649 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 26 \u064845 \u0639\u0627\u0645\u064b\u0627\u060c \u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0645\u0634\u0627\u0631\u0643\u0629 \u0623\u0643\u0628\u0631 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0641\u064a \u0633\u0646 \u0627\u0644\u0639\u0645\u0644. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0643\u0627\u0646 56% \u0645\u0646 \u0627\u0644\u0645\u0634\u0627\u0631\u0643\u064a\u0646 \u0645\u0646 \u0627\u0644\u0630\u0643\u0648\u0631\u060c \u064844% \u0645\u0646 \u0627\u0644\u0625\u0646\u0627\u062b\u060c \u0645\u0627 \u064a\u0639\u0643\u0633 \u062a\u0648\u0627\u0632\u0646\u064b\u0627 \u0646\u0633\u0628\u064a\u064b\u0627 \u0628\u064a\u0646 \u0627\u0644\u062c\u0646\u0633\u064a\u0646.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3af2252 elementor-widget elementor-widget-image\" data-id=\"3af2252\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"643\" src=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-1024x643.png\" class=\"attachment-large size-large wp-image-9302\" alt=\"Credit card usage habits in the UAE - Participants overview\" srcset=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-1024x643.png 1024w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-300x188.png 300w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-768x482.png 768w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-1536x964.png 1536w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-Participants-overview-2048x1285.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9236fa5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9236fa5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a5c7c3e\" data-id=\"a5c7c3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0233c86 elementor-widget elementor-widget-heading\" data-id=\"0233c86\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u062c\u0645\u0647\u0648\u0631 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646: \u0645\u0633\u062a\u062e\u062f\u0645 \u0628\u0637\u0627\u0642\u0629 \u0648\u0627\u062d\u062f\u0629 \u0623\u0645 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u061f<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e884df elementor-widget elementor-widget-text-editor\" data-id=\"5e884df\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"29d79690-37a3-49be-9d2c-77c023dd0e2e\" data-testid=\"conversation-turn-21\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/article><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-12\" data-testid=\"conversation-turn-22\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"07a5275a-a9e9-458d-bd9c-95bc6c406296\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"269\">\u062a\u0643\u0634\u0641 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0645\u062a\u0644\u0627\u0643 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0646 \u0633\u0643\u0627\u0646 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0644\u0627 \u064a\u062a\u0631\u062f\u062f\u0648\u0646 \u0641\u064a \u0627\u0645\u062a\u0644\u0627\u0643 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0645\u0645\u0627 \u064a\u0642\u0644\u0644 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0648\u0627\u062d\u062f\u0629 \u0641\u0642\u0637. \u0641\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 41.8% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u0648\u0627\u062d\u062f\u0629\u060c \u064a\u0633\u062a\u062e\u062f\u0645 35% \u0628\u0637\u0627\u0642\u062a\u064a\u0646\u060c \u064813.8% \u062b\u0644\u0627\u062b \u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u062d\u0648\u0627\u0644\u064a 9.4% \u0644\u062f\u064a\u0647\u0645 \u0623\u0631\u0628\u0639 \u0628\u0637\u0627\u0642\u0627\u062a \u0623\u0648 \u0623\u0643\u062b\u0631.<\/p><p data-start=\"271\" data-end=\"296\"><strong><em>\u0645\u0627\u0630\u0627 \u0646\u0633\u062a\u0646\u062a\u062c \u0645\u0646 \u0630\u0644\u0643\u061f<\/em><\/strong><\/p><p data-start=\"297\" data-end=\"616\" data-is-last-node=\"\" data-is-only-node=\"\">\u064a\u064f\u0638\u0647\u0631 \u0627\u0644\u0639\u062f\u062f \u0627\u0644\u0625\u062c\u0645\u0627\u0644\u064a \u0644\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u062a\u0641\u0648\u0642 \u0639\u062f\u062f \u0645\u0633\u062a\u062e\u062f\u0645\u064a \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0648\u0627\u062d\u062f\u0629 \u0628\u0634\u0643\u0644 \u0645\u0644\u062d\u0648\u0638\u060c \u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u064a\u0628\u062d\u062b\u0648\u0646 \u0639\u0646 \u062e\u064a\u0627\u0631\u0627\u062a \u062a\u062a\u062c\u0627\u0648\u0632 \u0627\u0644\u0645\u0646\u062a\u062c \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a &#8220;\u0645\u0648\u062d\u062f \u0644\u0644\u062c\u0645\u064a\u0639&#8221;. \u0643\u0645\u0627 \u064a\u0648\u0636\u062d \u0623\u064a\u0636\u064b\u0627 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u062c\u062d \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u062a\u062d\u0633\u064a\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0633\u062a\u063a\u0644\u0627\u0644 \u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a \u0648\u0627\u0644\u0639\u0631\u0648\u0636 \u0627\u0644\u062a\u0631\u0648\u064a\u062c\u064a\u0629 \u0644\u0643\u0644 \u0628\u0637\u0627\u0642\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cbcfe7d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cbcfe7d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c3e1676\" data-id=\"c3e1676\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e29a57d elementor-widget elementor-widget-heading\" data-id=\"e29a57d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0627 \u0647\u064a \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u062f\u0649 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16c5da6 elementor-widget elementor-widget-text-editor\" data-id=\"16c5da6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-15\" data-testid=\"conversation-turn-28\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"5a4030fa-346a-4909-a85e-88a28231eeb8\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"120\">\u0623\u0635\u0628\u062d\u062a \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u0632\u0621\u064b\u0627 \u0623\u0633\u0627\u0633\u064a\u064b\u0627 \u0645\u0646 \u0627\u0644\u0633\u0644\u0648\u0643 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0644\u0623\u0634\u062e\u0627\u0635 \u0627\u0644\u0645\u0642\u064a\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0645\u062a\u062c\u0627\u0648\u0632\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0637\u0627\u0631\u0626 \u0623\u0648 \u0627\u0644\u0639\u0631\u0636\u064a.<\/p><p data-start=\"122\" data-end=\"346\">\u0648\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u062a\u0648\u0636\u062d \u0627\u0644\u0635\u0648\u0631\u0629 \u0628\u0648\u0636\u0648\u062d: \u064a\u0633\u062a\u062e\u062f\u0645 \u062d\u0648\u0627\u0644\u064a 81.8% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0644\u0644\u062a\u0633\u0648\u0642 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u062a\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 72%\u060c \u0648\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0633\u0641\u0631 \u0628\u0646\u0633\u0628\u0629 70%\u060c \u0645\u0645\u0627 \u064a\u0628\u0631\u0632 \u062f\u0648\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0641\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0639\u0644\u0649 \u062d\u062f \u0633\u0648\u0627\u0621.<\/p><p data-start=\"348\" data-end=\"534\">\u0648\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0623\u0641\u0627\u062f 52.6% \u0645\u0646 \u0627\u0644\u0623\u0634\u062e\u0627\u0635 \u0623\u0646\u0647\u0645 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0644\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u0631\u0627\u0641\u0642\u060c \u0641\u064a \u062d\u064a\u0646 \u064a\u0639\u062a\u0645\u062f 16% \u0641\u0642\u0637 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u062d\u0627\u0644\u0627\u062a \u0627\u0644\u0637\u0648\u0627\u0631\u0626.<\/p><p data-start=\"536\" data-end=\"696\" data-is-last-node=\"\" data-is-only-node=\"\">\u062a\u0634\u064a\u0631 \u0647\u0630\u0647 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u0648\u0636\u0648\u062d \u0625\u0644\u0649 \u0623\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0645 \u062a\u0639\u062f \u0645\u0642\u062a\u0635\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0637\u0627\u0631\u0626 \u0623\u0648 \u0627\u0644\u0645\u0648\u0633\u0645\u064a \u0623\u0648 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0642\u064a\u0645\u0629\u060c \u0628\u0644 \u0623\u0635\u0628\u062d\u062a \u0623\u062f\u0627\u0629 \u064a\u0648\u0645\u064a\u0629 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0648\u062a\u064a\u0646\u064a\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-afaa11a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"afaa11a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fe852e8\" data-id=\"fe852e8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b36629 elementor-widget elementor-widget-heading\" data-id=\"1b36629\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0627 \u0647\u0648 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0631\u0627\u0626\u062f \u0641\u064a \u0633\u0648\u0642 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64f39f0 elementor-widget elementor-widget-text-editor\" data-id=\"64f39f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-18\" data-testid=\"conversation-turn-34\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"1cc9751a-2f80-4440-b955-2833502bb77a\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"195\">\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0648\u062c\u0648\u062f \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0627\u0631\u062a\u0641\u0627\u0639 \u0639\u062f\u062f \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629\u060c \u0644\u0627 \u062a\u0632\u0627\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u062a\u062a\u0645\u062a\u0639 \u0628\u0627\u0644\u064a\u062f \u0627\u0644\u0639\u0644\u064a\u0627 \u0641\u064a \u0633\u0648\u0642 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0627\u0644\u062d\u0627\u0644\u064a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a.<\/p><p data-start=\"197\" data-end=\"398\">\u064a\u0633\u062a\u062e\u062f\u0645 \u062d\u0648\u0627\u0644\u064a 39.8% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0628\u0637\u0627\u0642\u0629 \u0628\u0646\u0643 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u060c \u064a\u0644\u064a\u0647 \u0628\u0646\u0643 \u0627\u0644\u0645\u0634\u0631\u0642 \u0628\u0646\u0633\u0628\u0629 28%\u060c \u0648\u0628\u0646\u0643 \u0623\u0628\u0648\u0638\u0628\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u064a (ADCB) \u0628\u0646\u0633\u0628\u0629 23.8%\u060c \u0648\u0628\u0646\u0643 \u0623\u0628\u0648\u0638\u0628\u064a \u0627\u0644\u0623\u0648\u0644 (FAB) \u0628\u0646\u0633\u0628\u0629 20.6%.<\/p><p data-start=\"400\" data-end=\"577\" data-is-last-node=\"\" data-is-only-node=\"\">\u0648\u064a\u0639\u062f \u0643\u0644 \u0645\u0646 HSBC\u060c \u0648\u0628\u0646\u0643 \u062f\u0628\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u060c \u0648\u0628\u0646\u0643 \u0631\u0623\u0633 \u0627\u0644\u062e\u064a\u0645\u0629 (RAK Bank) \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062a\u064a \u0642\u062f \u062a\u062d\u0642\u0642 \u062a\u0642\u062f\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u060c \u0634\u0631\u064a\u0637\u0629 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u064a\u0632 \u0648\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0628\u0634\u0643\u0644 \u0641\u0639\u0651\u0627\u0644.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ce66d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ce66d9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0bd1400\" data-id=\"0bd1400\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1fe86e9 elementor-widget elementor-widget-heading\" data-id=\"1fe86e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u062a\u064f\u0639\u062f \u0628\u0637\u0627\u0642\u062a\u0627 \u0641\u064a\u0632\u0627 \u0648\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f \u0627\u0644\u0642\u0627\u0626\u062f\u062a\u064a\u0646 \u0628\u0644\u0627 \u0645\u0646\u0627\u0632\u0639 \u0641\u064a \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u062f\u0641\u0639.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-638d22e elementor-widget elementor-widget-text-editor\" data-id=\"638d22e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-22\" data-testid=\"conversation-turn-42\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"7d743a77-6ad3-4c08-a933-f06f76eb8328\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"187\">\u0623\u0641\u0627\u062f \u062d\u0648\u0627\u0644\u064a 82.6% \u064864.4% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0623\u0646\u0647\u0645 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u062a\u0639\u0645\u0644 \u0628\u0634\u0628\u0643\u062a\u064a \u0641\u064a\u0632\u0627 \u0648\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0644\u064a\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u062a\u0631\u0643\u0651\u0632 \u0643\u0628\u064a\u0631 \u0641\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a.<\/p><p data-start=\"189\" data-end=\"308\">\u0623\u0645\u0627 \u0627\u0644\u0634\u0628\u0643\u0627\u062a \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u0645\u062a\u0627\u062d\u0629 \u0648\u0627\u0644\u062a\u064a \u062a\u0633\u0639\u0649 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0644\u0643\u0633\u0628 \u062d\u0635\u0629 \u0633\u0648\u0642\u064a\u0629 \u0641\u062a\u0634\u0645\u0644 \u0623\u0645\u0631\u064a\u0643\u0627\u0646 \u0625\u0643\u0633\u0628\u0631\u064a\u0633 (2.4%) \u0648Union Pay\u00a0 (1.4%).<\/p><p data-start=\"310\" data-end=\"419\" data-is-last-node=\"\" data-is-only-node=\"\">\u0648\u062a\u0648\u0636\u062d \u0647\u0630\u0647 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0628\u062c\u0644\u0627\u0621 \u0623\u0646 \u0627\u0644\u062a\u0645\u064a\u0651\u0632 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0645\u0646\u062a\u062c \u0648\u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0645\u0642\u062f\u0645\u0629\u060c \u0648\u0644\u064a\u0633 \u0641\u0642\u0637 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0634\u0628\u0643\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6aa934 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e6aa934\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ef87d63\" data-id=\"ef87d63\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca33b58 elementor-widget elementor-widget-heading\" data-id=\"ca33b58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0641\u0636\u0644 \u0644\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dd4347 elementor-widget elementor-widget-text-editor\" data-id=\"1dd4347\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-25\" data-testid=\"conversation-turn-48\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"4b1ecca6-77b7-461f-8ed8-7ccbb49d679d\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"120\">\u0644\u0642\u062f \u0631\u0623\u064a\u0646\u0627 \u0633\u0627\u0628\u0642\u064b\u0627 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u064a\u0645\u062a\u0644\u0643\u0648\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646 \u0639\u062f\u0629 \u0628\u0646\u0648\u0643\u060c \u0648\u0644\u0643\u0646 \u0645\u0627 \u0647\u0648 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0641\u0636\u0644 \u0644\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u061f<\/p><p data-start=\"122\" data-end=\"293\">\u0623\u0641\u0627\u062f 28.6% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0623\u0646 \u0628\u0646\u0643 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0647\u0648 \u0645\u0635\u062f\u0631 \u0628\u0637\u0627\u0642\u062a\u0647\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u064a\u0644\u064a\u0647 \u0628\u0646\u0643 \u0623\u0628\u0648\u0638\u0628\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u064a (ADCB) \u0628\u0646\u0633\u0628\u0629 14.4% \u0648\u0628\u0646\u0643 \u0627\u0644\u0645\u0634\u0631\u0642 \u0628\u0646\u0633\u0628\u0629 11.8%.<\/p><p data-start=\"295\" data-end=\"468\">\u062a\u0634\u064a\u0631 \u0623\u0646\u0645\u0627\u0637 \u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0628\u0646\u0643 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u0648ADCB \u0648\u0627\u0644\u0645\u0634\u0631\u0642 \u0645\u0646 \u0628\u064a\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0641\u0636\u064a\u0644\u064b\u0627 \u0623\u0648 \u0634\u0647\u0631\u0629 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0645\u0642\u062f\u0651\u0645\u0629 \u0642\u064a\u0645\u0629 \u062b\u0627\u0628\u062a\u0629 \u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646.<\/p><p data-start=\"470\" data-end=\"550\" data-is-last-node=\"\" data-is-only-node=\"\">\u0648\u064a\u0642\u062f\u0645 \u0627\u0644\u0642\u0633\u0645 \u0627\u0644\u062a\u0627\u0644\u064a \u0627\u0646\u0639\u0643\u0627\u0633\u064b\u0627 \u0648\u0627\u0636\u062d\u064b\u0627 \u0644\u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0631\u0636\u0627 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0639\u0646 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcbfb8f elementor-widget elementor-widget-image\" data-id=\"bcbfb8f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"447\" src=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-1024x447.png\" class=\"attachment-large size-large wp-image-9304\" alt=\"Credit card usage habits in the UAE - main credit card\" srcset=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-1024x447.png 1024w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-300x131.png 300w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-768x336.png 768w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-1536x671.png 1536w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-main-credit-card-2048x895.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5610c0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5610c0d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e195e05\" data-id=\"e195e05\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32a012a elementor-widget elementor-widget-heading\" data-id=\"32a012a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0645\u0631\u062a\u0641\u0639 \u062c\u062f\u064b\u0627<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9aa9ce8 elementor-widget elementor-widget-text-editor\" data-id=\"9aa9ce8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:8d43d1b7-15b2-4410-8e1b-c8c64e67ef68-9\" data-testid=\"conversation-turn-16\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"9098881b-b28b-4905-9b82-d21acc6f6dc6\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark markdown-new-styling\"><div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-27\" data-testid=\"conversation-turn-52\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"6ac8f99f-85b2-4a80-8936-594af1af30ed\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"349\" data-is-last-node=\"\" data-is-only-node=\"\">\u0628\u0644\u063a\u062a \u0646\u0633\u0628\u0629 \u0627\u0644\u0631\u0636\u0627 \u0627\u0644\u0639\u0627\u0645 \u0639\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 79%\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0631\u0627\u0636\u0648\u0646 \u0639\u0646 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0644\u0627 \u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0628\u0646\u0648\u0643 \u0648\u0645\u0635\u062f\u0651\u0631\u064a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u062a\u062c\u0627\u0647\u0644 21% \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0646 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0634\u0639\u0631\u0648\u0646 \u0628\u0627\u0644\u062d\u064a\u0627\u062f \u0623\u0648 \u0639\u062f\u0645 \u0627\u0644\u0631\u0636\u0627 \u0639\u0646 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645\u060c \u0625\u0630 \u064a\u0645\u062b\u0644 \u0647\u0630\u0627 \u0627\u0644\u062c\u0632\u0621 \u0641\u0631\u0635\u0629 \u0644\u062c\u0630\u0628 \u0639\u0645\u0644\u0627\u0621 \u062c\u062f\u062f \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0645\u064a\u0651\u0632\u060c \u0648\u062a\u062d\u0633\u064a\u0646 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0648\u062a\u0642\u062f\u064a\u0645 \u0645\u0632\u0627\u064a\u0627 \u0625\u0636\u0627\u0641\u064a\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37ac3ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37ac3ed\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8eff763\" data-id=\"8eff763\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75df93b elementor-widget elementor-widget-heading\" data-id=\"75df93b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u062d\u0641\u0632\u0629 \u0648\u0631\u0627\u0621 \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07f3c74 elementor-widget elementor-widget-text-editor\" data-id=\"07f3c74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-29\" data-testid=\"conversation-turn-56\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"7804fdd6-8e80-46de-8b04-0cb6acb5025c\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"268\">\u0642\u062f \u064a\u0643\u0648\u0646 \u0627\u062e\u062a\u064a\u0627\u0631 \u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u062e\u0635\u0648\u0635\u064b\u0627 \u0641\u064a \u0633\u0648\u0642 \u064a\u0632\u062f\u0627\u062f \u0627\u0632\u062f\u062d\u0627\u0645\u064b\u0627 \u0648\u062a\u0646\u0648\u0639\u064b\u0627\u060c \u0623\u0645\u0631\u064b\u0627 \u0645\u062d\u064a\u0631\u064b\u0627 \u0628\u0639\u0636 \u0627\u0644\u0634\u064a\u0621. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u0639\u0648\u0627\u0645\u0644 \u0648\u0627\u0636\u062d\u0629 \u062a\u0624\u062b\u0631 \u0641\u064a \u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646\u060c \u0623\u0628\u0631\u0632\u0647\u0627 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f \u0648\u0627\u0644\u0645\u0643\u0627\u0641\u0622\u062a (74.8%)\u060c \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0623\u0648 \u0627\u0644\u0645\u0639\u062f\u0648\u0645\u0629 (55.6%)\u060c \u0648\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u0633\u0641\u0631 (39.4%).<\/p><p data-start=\"270\" data-end=\"559\" data-is-last-node=\"\" data-is-only-node=\"\">\u062a\u0634\u0645\u0644 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u0645\u0647\u0645\u0629 \u0641\u064a \u0627\u062a\u062e\u0627\u0630 \u0642\u0631\u0627\u0631 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0623\u064a\u0636\u064b\u0627 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629\u060c \u0648\u0639\u0631\u0648\u0636 \u0646\u0645\u0637 \u0627\u0644\u062d\u064a\u0627\u0629\u060c \u0648\u0633\u0645\u0639\u0629 \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629. \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u0642\u0648\u0644 \u0628\u0623\u0645\u0627\u0646 \u0623\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u064a\u0639\u062a\u0645\u062f\u0648\u0646 \u0639\u0644\u0649 \u062e\u064a\u0627\u0631\u0627\u062a \u0642\u0627\u0626\u0645\u0629 \u0639\u0644\u0649 \u0627\u0644\u0642\u064a\u0645\u0629\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0645\u0644\u0645\u0648\u0633\u0629 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0633\u0645\u0639\u0629 \u0627\u0644\u0639\u0644\u0627\u0645\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u0642\u0637.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0cc2f72 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0cc2f72\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8e15ee3\" data-id=\"8e15ee3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b03d5be elementor-widget elementor-widget-heading\" data-id=\"b03d5be\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0627\u0630\u0627 \u064a\u0639\u0646\u064a \u0645\u0635\u0637\u0644\u062d \"\u0623\u0641\u0636\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646\" \u062d\u0642\u064b\u0627\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5095fd6 elementor-widget elementor-widget-text-editor\" data-id=\"5095fd6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-31\" data-testid=\"conversation-turn-60\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"b79242ca-b47d-430a-b3d3-28aa600c06cd\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"217\">\u062a\u0639\u0631\u064a\u0641 &#8220;\u0623\u0641\u0636\u0644 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646&#8221; \u0644\u064a\u0633 \u0628\u0627\u0644\u0623\u0645\u0631 \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u062d\u064a\u062b \u062a\u0634\u064a\u0631 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0625\u0644\u0649 \u0623\u0646\u0647 \u0628\u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0647\u064a\u0645\u0646\u0629 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0644\u0649 \u0633\u0648\u0642 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646 \u062d\u064a\u062b \u0639\u062f\u062f \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0648\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0642\u062f \u064a\u062e\u062a\u0644\u0641 \u062a\u0635\u0648\u0631 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0644\u0645\u0627 \u064a\u064f\u0639\u062a\u0628\u0631 &#8220;\u0623\u0641\u0636\u0644&#8221; \u0628\u0637\u0627\u0642\u0629.<\/p><p data-start=\"219\" data-end=\"450\" data-is-last-node=\"\" data-is-only-node=\"\">\u0641\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0623\u0646 \u0628\u0646\u0643 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a \u064a\u0635\u062f\u0631 \u0623\u0643\u0628\u0631 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0648\u064a\u0634\u0647\u062f \u0623\u0639\u0644\u0649 \u0645\u0639\u062f\u0644\u0627\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0641\u0625\u0646 ADCB \u0648\u0627\u0644\u0645\u0634\u0631\u0642 \u062a\u062a\u0645\u062a\u0639\u0627\u0646 \u0628\u062a\u0635\u0648\u0631 \u0625\u064a\u062c\u0627\u0628\u064a \u0644\u062f\u0649 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0628\u0641\u0636\u0644 \u0627\u0644\u0631\u0624\u064a\u0629 \u0627\u0644\u0623\u0641\u0636\u0644 \u0644\u0644\u0639\u0644\u0627\u0645\u0629\u060c \u0648\u0627\u0644\u062a\u0648\u0635\u064a\u0627\u062a \u0627\u0644\u0634\u0641\u0647\u064a\u0629\u060c \u0648\u0633\u0631\u062f \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062c\u0630\u0627\u0628.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-341d3eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"341d3eb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a05389\" data-id=\"5a05389\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee68698 elementor-widget elementor-widget-heading\" data-id=\"ee68698\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0644\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f\u0629<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24e40f2 elementor-widget elementor-widget-text-editor\" data-id=\"24e40f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:8d43d1b7-15b2-4410-8e1b-c8c64e67ef68-9\" data-testid=\"conversation-turn-16\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"9098881b-b28b-4905-9b82-d21acc6f6dc6\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full break-words dark markdown-new-styling\"><div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-33\" data-testid=\"conversation-turn-64\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"30028467-4963-4e78-bd05-c14726ab9328\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"188\">\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0631\u0636\u0627 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0648\u0627\u0645\u062a\u0644\u0627\u0643 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0628\u0639\u062f\u062f \u0643\u0628\u064a\u0631\u060c \u0623\u0641\u0627\u062f \u062d\u0648\u0627\u0644\u064a 46.6% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0623\u0646\u0647\u0645 \u0645\u0633\u062a\u0639\u062f\u0648\u0646 \u0644\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u0627\u0626\u062a\u0645\u0627\u0646 \u062c\u062f\u064a\u062f\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0640 12 \u0634\u0647\u0631\u064b\u0627 \u0627\u0644\u0645\u0642\u0628\u0644\u0629.<\/p><p data-start=\"190\" data-end=\"340\">\u0648\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0623\u0634\u0627\u0631 28% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0625\u0644\u0649 \u0623\u0646\u0647\u0645 \u0645\u062a\u0631\u062f\u062f\u0648\u0646\u060c \u0641\u064a \u062d\u064a\u0646 \u0642\u0627\u0644 25.6% \u0625\u0646\u0647\u0645 \u0645\u0646 \u063a\u064a\u0631 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u064a\u062d\u0635\u0644\u0648\u0627 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062c\u062f\u064a\u062f\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0642\u0627\u062f\u0645.<\/p><p data-start=\"342\" data-end=\"501\" data-is-last-node=\"\" data-is-only-node=\"\">\u064a\u0634\u064a\u0631 \u0630\u0644\u0643 \u0625\u0644\u0649 \u0623\u0646 \u0633\u0648\u0642 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0645\u0646 \u0627\u0644\u0645\u0631\u062c\u062d \u0623\u0646 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u062f\u0641\u0648\u0639\u064b\u0627 \u0628\u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u062c\u062f\u062f\u060c \u0628\u0644 \u0628\u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0645\u064a\u0644\u0648\u0646 \u0623\u0643\u062b\u0631 \u0625\u0644\u0649 \u062a\u063a\u064a\u064a\u0631 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0623\u0648 \u062a\u0631\u0642\u064a\u062a\u0647\u0627.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8f6ac0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8f6ac0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-274a623\" data-id=\"274a623\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7dc09e9 elementor-widget elementor-widget-heading\" data-id=\"7dc09e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0627 \u0647\u064a \u0627\u0644\u0639\u0648\u0627\u0626\u0642 \u0627\u0644\u062a\u064a \u062a\u0645\u0646\u0639 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646\u061f<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-145b188 elementor-widget elementor-widget-text-editor\" data-id=\"145b188\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-35\" data-testid=\"conversation-turn-68\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"eea4ddf0-3acf-4f75-81f0-59d1475ce012\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"266\">\u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u062f\u0645 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0628\u0637\u0627\u0642\u0629 \u062c\u062f\u064a\u062f\u0629\u060c \u0647\u0646\u0627\u0643 \u0639\u062f\u0629 \u0639\u0648\u0627\u0626\u0642 \u0642\u062f \u062a\u0639\u064a\u0642 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a. \u062d\u064a\u062b \u0623\u0634\u0627\u0631 48.9% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u064a\u0645\u062b\u0644 \u0627\u0644\u0639\u0627\u0645\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0627\u0644\u0645\u0627\u0646\u0639\u060c \u0641\u064a\u0645\u0627 \u064a\u0639\u062f \u0627\u0644\u0625\u0641\u0631\u0627\u0637 \u0641\u064a \u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0623\u0648 \u0627\u0644\u062f\u064a\u0648\u0646 (45.2%) \u0639\u0627\u0645\u0644\u064b\u0627 \u0622\u062e\u0631 \u064a\u0631\u062f\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p><p data-start=\"268\" data-end=\"367\">\u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u0623\u0639\u0631\u0628 52% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0639\u0646 \u0631\u0636\u0627\u0647\u0645 \u0639\u0646 \u0628\u0637\u0627\u0642\u0627\u062a\u0647\u0645 \u0627\u0644\u062d\u0627\u0644\u064a\u0629 \u0648\u0644\u0627 \u064a\u0631\u0648\u0646 \u0633\u0628\u0628\u064b\u0627 \u0644\u0644\u062a\u063a\u064a\u064a\u0631.<\/p><p data-start=\"369\" data-end=\"508\" data-is-last-node=\"\" data-is-only-node=\"\">\u0648\u0645\u0646 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062c\u062f\u064a\u0631\u0629 \u0628\u0627\u0644\u0630\u0643\u0631: \u062a\u0639\u0642\u064a\u062f \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u062f\u064a\u0645\u060c \u0648\u0638\u0647\u0648\u0631 \u0628\u062f\u0627\u0626\u0644 &#8220;\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627&#8221; (BNPL)\u060c \u0648\u0642\u064a\u0648\u062f \u0627\u0644\u0623\u0647\u0644\u064a\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0629.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d0e5ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3d0e5ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-245e02c\" data-id=\"245e02c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-34f41ae elementor-widget elementor-widget-heading\" data-id=\"34f41ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0628\u062f\u0627\u0626\u0644 \"\u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627\" (BNPL) \u062a\u0643\u062a\u0633\u0628 \u0634\u0639\u0628\u064a\u0629 \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6bd3b7 elementor-widget elementor-widget-text-editor\" data-id=\"d6bd3b7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-37\" data-testid=\"conversation-turn-72\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"6f16750d-ab1e-44de-ba42-a2b24edf0607\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"153\">\u062e\u062f\u0645\u0629 \u0627\u0634\u062a\u0631\u0650 \u0627\u0644\u0622\u0646 \u0648\u0627\u062f\u0641\u0639 \u0644\u0627\u062d\u0642\u064b\u0627 (BNPL)\u060c \u0627\u0644\u062a\u064a \u0643\u0627\u0646\u062a \u0641\u064a \u0627\u0644\u0633\u0627\u0628\u0642 \u0639\u0631\u0636\u064b\u0627 \u0645\u062a\u062e\u0635\u0635\u064b\u0627\u060c \u0628\u0631\u0632\u062a \u062a\u062f\u0631\u064a\u062c\u064a\u064b\u0627 \u0643\u0628\u062f\u064a\u0644 \u0645\u0648\u062b\u0648\u0642 \u0644\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0627\u062a.<\/p><p data-start=\"155\" data-end=\"265\">\u0641\u0642\u062f \u0623\u0641\u0627\u062f \u062d\u0648\u0627\u0644\u064a 69.8% \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062c\u064a\u0628\u064a\u0646 \u0623\u0646\u0647\u0645 \u0627\u0633\u062a\u062e\u062f\u0645\u0648\u0627 \u062e\u062f\u0645\u0627\u062a BNPL\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u062e\u062f\u0645 35.2% \u0647\u0630\u0647 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0628\u0627\u0646\u062a\u0638\u0627\u0645.<\/p><p data-start=\"267\" data-end=\"410\">\u0648\u064a\u0631\u062a\u0628\u0637 \u0635\u0639\u0648\u062f BNPL \u0628\u0627\u0644\u0639\u0648\u0627\u0626\u0642 \u0623\u0648 \u0627\u0644\u062a\u062d\u0641\u0638\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0642\u0644\u0642 \u0645\u0646 \u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u062a\u0639\u0642\u064a\u062f \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u062f\u064a\u0645\u060c \u0648\u0627\u0644\u0631\u0633\u0648\u0645.<\/p><p data-start=\"412\" data-end=\"600\" data-is-last-node=\"\" data-is-only-node=\"\">\u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0628\u0633\u0627\u0637\u0629\u060c \u0648\u0633\u0631\u0639\u0629 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a\u060c \u0648\u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641\u060c \u0648\u0636\u0628\u0637 \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u060c \u0648\u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0641\u0648\u0627\u0626\u062f \u0623\u0648 \u0631\u0633\u0648\u0645 \u062a\u0639\u062f \u0645\u0646 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 BNPL \u062e\u064a\u0627\u0631\u064b\u0627 \u0634\u0627\u0626\u0639\u064b\u0627 \u0628\u0634\u0643\u0644 \u0645\u062a\u0632\u0627\u064a\u062f \u0628\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73465fd elementor-widget elementor-widget-image\" data-id=\"73465fd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"377\" src=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-1024x377.png\" class=\"attachment-large size-large wp-image-9306\" alt=\"Credit card usage habits in the UAE - buy now pay later\" srcset=\"https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-1024x377.png 1024w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-300x111.png 300w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-768x283.png 768w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-1536x566.png 1536w, https:\/\/userq.com\/wp-content\/uploads\/2026\/02\/Credit-card-usage-habits-in-the-UAE-buy-now-pay-later-2048x755.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37f5621 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37f5621\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-03a967f\" data-id=\"03a967f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f508c38 elementor-widget elementor-widget-heading\" data-id=\"f508c38\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u0645\u0644\u0627\u062d\u0638\u0627\u062a \u062e\u062a\u0627\u0645\u064a\u0629<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac1b2ab elementor-widget elementor-widget-text-editor\" data-id=\"ac1b2ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:707539e2-4c26-4811-abda-eea24f612473-39\" data-testid=\"conversation-turn-76\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"8fd08be2-7c5a-4ad0-9686-2896e0db29a4\" data-message-model-slug=\"gpt-5-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full wrap-break-word dark markdown-new-styling\"><p data-start=\"0\" data-end=\"324\">\u0645\u0646 \u0627\u0644\u0648\u0627\u0636\u062d \u0623\u0646 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0635\u0628\u062d\u062a \u062c\u0632\u0621\u064b\u0627 \u0631\u0627\u0633\u062e\u064b\u0627 \u0645\u0646 \u062d\u064a\u0627\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u062d\u064a\u062b \u062a\u0645\u062a\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0644\u062a\u0634\u0645\u0644 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u064a\u0648\u0645\u064a\u0629\u060c \u0648\u0627\u0644\u0633\u0641\u0631\u060c \u0648\u062f\u0641\u0639 \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629. \u0639\u0644\u0627\u0648\u0629 \u0639\u0644\u0649 \u0630\u0644\u0643\u060c \u062a\u0634\u064a\u0631 \u0645\u0633\u062a\u0648\u064a\u0627\u062a \u0627\u0644\u0631\u0636\u0627 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0648\u0627\u0645\u062a\u0644\u0627\u0643 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0625\u0644\u0649 \u0623\u0646\u0647\u060c \u0639\u0644\u0649 \u0627\u0644\u0631\u063a\u0645 \u0645\u0646 \u0638\u0647\u0648\u0631 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629\u060c \u062a\u0638\u0644 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629 \u0645\u0647\u064a\u0645\u0646\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u062d\u0627\u0644\u064a.<\/p><p data-start=\"326\" data-end=\"660\">\u0648\u064a\u064f\u0638\u0647\u0631 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0637\u0627\u0628\u0639\u064b\u0627 \u0639\u0645\u0644\u064a\u064b\u0627 \u0644\u0644\u063a\u0627\u064a\u0629\u060c \u0625\u0630 \u064a\u0633\u0639\u0649 \u0627\u0644\u0645\u0632\u064a\u062f \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0625\u0644\u0649 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0639\u062f\u0629 \u0628\u0637\u0627\u0642\u0627\u062a \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0631\u0633\u0648\u0645 \u0648 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0646\u0642\u0648\u062f. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u062a\u064f\u0639\u062f \u0639\u0642\u0628\u0627\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u062f\u064a\u0645\u060c \u0648\u0627\u0644\u062f\u064a\u0648\u0646\u060c \u0648\u0639\u062f\u0645 \u0627\u0644\u0648\u0636\u0648\u062d \u0628\u0634\u0623\u0646 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0646\u0648\u064a\u0629 \u0648\u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0623\u062e\u0631\u0649 \u0645\u0646 \u0627\u0644\u0623\u0633\u0628\u0627\u0628 \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 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data-is-only-node=\"\">\u0627\u0643\u062a\u0634\u0641\u0648\u0627 <a href=\"https:\/\/app.userq.com\/researcher\/sign-up?_gl=1*cjtlqk*_gcl_au*NDIwNzgyNzAwLjE3NzA3NTg4Njg.*_ga*MTA5NDc0MTMwNS4xNzIyNTg0NDEx*_ga_J91RSNYNJP*czE3NzE1NjcwNDYkbzE4OSRnMSR0MTc3MTU2Nzk4MyRqNjAkbDAkaDA.\">\u0645\u0646\u0635\u062a\u0646\u0627 \u0644\u0644\u0623\u0628\u062d\u0627\u062b \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628<\/a>\u060c \u0627\u0644\u062a\u064a \u062a\u0648\u0641\u0631 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u062d\u0642\u064a\u0642\u064a\u064a\u0646 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0634\u0631\u0642 \u0627\u0644\u0623\u0648\u0633\u0637 \u0648\u0634\u0645\u0627\u0644 \u0623\u0641\u0631\u064a\u0642\u064a\u0627 (MENA)\u060c \u0645\u0645\u0627 \u064a\u0645\u0643\u0651\u0646\u0643\u0645 \u0645\u0646 \u062a\u0642\u062f\u064a\u0645 \u062a\u062c\u0627\u0631\u0628 \u0648\u0625\u0637\u0644\u0627\u0642 \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u062e\u062f\u0645\u0627\u062a \u062a\u062a\u0648\u0627\u0641\u0642 \u0645\u0639 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u0634\u064e\u0647\u0650\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0641\u064a \u0645\u062e\u062a\u0644\u0641 \u0623\u0646\u062d\u0627\u0621 \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u062a\u0637\u0648\u0631\u064b\u0627 \u0645\u062a\u0633\u0627\u0631\u0639\u064b\u0627\u060c \u062d\u064a\u062b 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