{"translation-revision-date":"2024-02-13 12:47:46+0000","generator":"GlotPress\/4.0.1","domain":"messages","locale_data":{"messages":{"":{"domain":"messages","plural-forms":"nplurals=6; plural=(n == 0) ? 0 : ((n == 1) ? 1 : ((n == 2) ? 2 : ((n % 100 >= 3 && n % 100 <= 10) ? 3 : ((n % 100 >= 11 && n % 100 <= 99) ? 4 : 5))));","lang":"ar"},"Set featured image":["\u062a\u0639\u064a\u064a\u0646 \u0635\u0648\u0631\u0629 \u0628\u0627\u0631\u0632\u0629"],"Quote":["\u0627\u0642\u062a\u0628\u0627\u0633"],"Schedule":["\u062c\u062f\u0648\u0644\u0629"],"Public":["\u0639\u0627\u0645"],"Current image: %s":["\u0627\u0644\u0635\u0648\u0631\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629: %s"],"Immediately":["\u0641\u0648\u0631\u0627\u064b"],"Tag":["\u0648\u0633\u0645"],"Paragraphs":["\u0641\u0642\u0631\u0627\u062a"],"View the autosave":["\u0639\u0631\u0636 \u0627\u0644\u062d\u0641\u0638 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a"],"Keep it as is":["\u0627\u0628\u0642\u0647\u0627 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heading)":["(\u0639\u0646\u0648\u0627\u0646 \u0641\u0627\u0631\u063a)"],"Submit for Review":["\u0625\u0631\u0633\u0627\u0644 \u0644\u0644\u0645\u0631\u0627\u062c\u0639\u0629"],"Learn more about manual excerpts":["\u062a\u0639\u0644\u0645 \u0627\u0644\u0645\u0632\u064a\u062f \u062d\u0648\u0644 \u0627\u0644\u0645\u0642\u062a\u0637\u0641\u0627\u062a \u0627\u0644\u064a\u062f\u0648\u064a\u0629"],"When you\u2019re ready, submit your work for review, and an Editor will be able to approve it for you.":["\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u062c\u0627\u0647\u0632\u0627\u064b\u060c \u0623\u0631\u0633\u0644 \u0639\u0645\u0644\u0643 \u0644\u0644\u0645\u0631\u0627\u062c\u0639\u0629\u060c \u0644\u064a\u062a\u0645\u0643\u0646 \u0627\u0644\u0645\u062d\u0631\u0631 \u0645\u0646 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u064a\u0647 \u0646\u064a\u0627\u0628\u0629 \u0639\u0646\u0643."],"Standard":["\u0642\u064a\u0627\u0633\u064a"],"Copy Post Text":["\u0646\u0633\u062e \u0646\u0635 \u0627\u0644\u0645\u0642\u0627\u0644\u0629"],"Parent Term":["\u0627\u0644\u0639\u0646\u0635\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a"],"Updating\u2026":["\u062c\u0627\u0631\u064a \u0627\u0644\u062a\u062d\u062f\u064a\u062b\u2026"],"Publishing\u2026":["\u062c\u0627\u0631\u064a \u0627\u0644\u0646\u0634\u0631\u2026"],"What\u2019s next?":["\u0645\u0627 \u0647\u0648 \u0627\u0644\u062a\u0627\u0644\u064a\u061f"],"Autosaving":["\u062d\u0641\u0638 \u062a\u0644\u0642\u0627\u0626\u064a"],"term\u0004Remove %s":["\u0625\u0632\u0627\u0644\u0629 %s"],"Only visible to site admins and editors.":["\u062a\u0638\u0647\u0631 \u0641\u0642\u0637 \u0644\u0645\u062f\u0631\u0627\u0621 \u0627\u0644\u0645\u0648\u0642\u0639 \u0648\u0627\u0644\u0645\u062d\u0631\u0631\u064a\u0646."],"Term":["\u0639\u0646\u0635\u0631"],"Create password":["\u0625\u0646\u0634\u0627\u0621 \u0643\u0644\u0645\u0629 \u0645\u0631\u0648\u0631"],"Add new term":["\u0625\u0636\u0627\u0641\u0629 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your changes.":["\u062d\u0641\u0638 \u062a\u0639\u062f\u064a\u0644\u0627\u062a\u0643."],"Add tags":["\u0625\u0636\u0627\u0641\u0629 \u0648\u0633\u0648\u0645"],"Undo your last changes.":["\u062a\u0631\u0627\u062c\u0639 \u0639\u0646 \u0622\u062e\u0631 \u062a\u0639\u062f\u064a\u0644\u0627\u062a\u0643."],"Redo your last undo.":["\u0625\u0639\u0627\u062f\u0629 \u0622\u062e\u0631 \u062a\u0639\u062f\u064a\u0644\u0627\u062a\u0643."],"Apply the \"%1$s\" format.":["\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u062a\u0646\u0633\u064a\u0642 \"%1$s\" \u0644\u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u0642\u0627\u0644\u0629."],"Close panel":["\u0625\u063a\u0644\u0627\u0642 \u0627\u0644\u0644\u0648\u062d\u0629"],"Schedule\u2026":["\u062c\u062f\u0648\u0644\u0629\u2026"],"Scheduling\u2026":["\u062c\u0627\u0631\u064a \u0627\u0644\u062c\u062f\u0648\u0644\u0629..."],"Terms":["\u0627\u0644\u0639\u0646\u0627\u0635\u0631"],"Double-check your settings before publishing.":["\u062a\u062d\u0642\u0642 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scheduled. It will go live on":["\u0644\u0642\u062f \u062a\u0645\u062a \u0627\u0644\u062c\u062f\u0648\u0644\u0629. \u0633\u064a\u062a\u0645 \u0627\u0644\u0646\u0634\u0631 \u0641\u064a"],"Generating preview\u2026":["\u062a\u062c\u0647\u064a\u0632 \u0627\u0644\u0645\u0639\u0627\u064a\u0646\u0629\u2026"],"This post is already being edited":["\u0647\u0630\u0647 \u0627\u0644\u0635\u0641\u062d\u0629 \u064a\u062c\u0631\u064a \u062a\u062d\u0631\u064a\u0631\u0647\u0627 \u0628\u0627\u0644\u0641\u0639\u0644 \u062d\u0627\u0644\u064a\u064b\u0627."],"Would you like to privately publish this post now?":["\u0647\u0644 \u062a\u0648\u062f\u0651 \u0646\u0634\u0631 \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 \u0627\u0644\u0622\u0646 \u0628\u0635\u0648\u0631\u0629 \u062e\u0627\u0635\u0629\u061f"],"Saving":["\u062c\u0627\u0631\u064a \u0627\u0644\u062d\u0641\u0638"],"Tags help users and search engines navigate your site and find your content. Add a few keywords to describe your post.":["\u0627\u0644\u0648\u0633\u0648\u0645 \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0645\u062d\u0631\u0643\u0627\u062a \u0627\u0644\u0628\u062d\u062b \u0628\u0627\u0644\u062a\u0646\u0642\u0644 \u0641\u064a \u0645\u0648\u0642\u0639\u0643 \u0648\u0627\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643. \u0623\u0636\u0641 \u0628\u0639\u0636 \u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u062f\u0644\u064a\u0644\u064a\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0644\u0648\u0635\u0641 \u0645\u0642\u0627\u0644\u062a\u0643."],"is now live.":["\u062a\u0645\u0651 \u0646\u0634\u0631\u0647 \u0627\u0644\u0622\u0646."],"Type text or HTML":["\u0627\u0643\u062a\u0628 \u0646\u0635\u0651\u064b\u0627 \u0623\u0648 \u0634\u0641\u0631\u0629 HTML"],"Start writing with text or HTML":["\u0627\u0628\u062f\u0623 \u0627\u0644\u0643\u062a\u0627\u0628\u0629 \u0628\u0640 \u0646\u0635\u0651 \u0623\u0648 \u0634\u0641\u0631\u0629 HTML"],"Permalink":["\u0627\u0644\u0631\u0627\u0628\u0637 \u0627\u0644\u062f\u0627\u0626\u0645"],"Search Terms":["\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0627\u0644\u0628\u062d\u062b"],"Stick to the top of the blog":["\u0627\u0644\u062a\u062b\u0628\u064a\u062a \u0628\u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0639\u0644\u0648\u064a \u0645\u0646 \u0627\u0644\u0645\u062f\u0648\u0646\u0629"],"There is an autosave of this post that is more recent than the version below.":["\u0647\u0646\u0627\u0643 \u062d\u0641\u0638 \u062a\u0644\u0642\u0627\u0626\u064a \u0644\u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 \u0623\u062d\u062f\u062b \u0645\u0646 \u0627\u0644\u0646\u0633\u062e\u0629 \u0623\u062f\u0646\u0627\u0647."],"Suggestion:":["\u0627\u0642\u062a\u0631\u0627\u062d:"],"Publishing failed.":["\u0641\u0634\u0644\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u0646\u0634\u0631."],"Scheduling failed.":["\u0641\u0634\u0644\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062c\u062f\u0648\u0644\u0629."],"Updating failed.":["\u0641\u0634\u0644\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u062b."],"Restore the backup":["\u0627\u0633\u062a\u0639\u0627\u062f\u0629 \u0627\u0644\u0646\u0633\u062e\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0629"],"The backup of this post in your browser is different from the version below.":["\u0627\u0644\u0646\u0633\u062e\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0629 \u0644\u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 \u0641\u064a \u0627\u0644\u0645\u062a\u0635\u0641\u062d \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0645\u062e\u062a\u0644\u0641\u0629 \u0639\u0646 \u0627\u0644\u0646\u0633\u062e\u0629 \u0623\u062f\u0646\u0627\u0647."],"The last part of the URL.":["\u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0623\u062e\u064a\u0631 \u0645\u0646 \u0627\u0644\u0631\u0627\u0628\u0637."],"Words":["\u0643\u0644\u0645\u0627\u062a"],"View post":["\u0645\u0634\u0627\u0647\u062f\u0629 \u0627\u0644\u0645\u0642\u0627\u0644\u0629"],"Add new tag":["\u0623\u0636\u0641 \u0648\u0633\u0645\u0627\u064b \u062c\u062f\u064a\u062f\u0627\u064b"],"Update\u2026":["\u062a\u062d\u062f\u064a\u062b\u2026"],"Submit for Review\u2026":["\u0625\u0631\u0633\u0627\u0644 \u0644\u0644\u0645\u0631\u0627\u062c\u0639\u0629\u2026"],"Pending review":["\u0628\u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629"],"Slug":["\u0627\u0644\u0627\u0633\u0645 \u0627\u0644\u0644\u0637\u064a\u0641"],"Save draft":["\u062d\u0641\u0638 \u0627\u0644\u0645\u0633\u0648\u062f\u0629"],"Save as pending":["\u062d\u0641\u0638 \u0628\u0625\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629"],"Are you ready to save?":["\u0647\u0644 \u0623\u0646\u062a \u0645\u064f\u0633\u062a\u0639\u062f \u0644\u0644\u062d\u0641\u0638\u061f"],"Characters":["\u0623\u062d\u0631\u0641"],"The content of your post doesn\u2019t match the template assigned to your post type.":["\u0644\u0627 \u064a\u062a\u0637\u0627\u0628\u0642 \u0645\u062d\u062a\u0648\u0649 \u0645\u0642\u0627\u0644\u062a\u0643 \u0647\u0630\u0647 \u0645\u0639 \u0627\u0644\u0642\u0627\u0644\u0628 \u0627\u0644\u0645\u062e\u0635\u0635 \u0644\u0646\u0648\u0639 \u0645\u0642\u0627\u0644\u062a\u0643."],"You have unsaved changes. If you proceed, they will be lost.":["\u0644\u062f\u064a\u0643 \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u063a\u064a\u0631 \u0645\u062d\u0641\u0648\u0638\u0629. \u0625\u0630\u0627 \u0642\u0645\u062a \u0628\u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629\u060c \u0641\u0633\u064a\u062a\u0645 \u0641\u0642\u062f\u0627\u0646\u0647\u0627."],"Page on front":["\u0635\u0641\u062d\u0629 \u0641\u064a \u0627\u0644\u0648\u0627\u062c\u0647\u0629"],"Show on front":["\u0625\u0638\u0647\u0627\u0631 \u0639\u0644\u0649 \u0627\u0644\u0648\u0627\u062c\u0647\u0629"],"You do not have permission to create Pages.":["\u0644\u064a\u0633 \u0644\u062f\u064a\u0643 \u0635\u0644\u0627\u062d\u064a\u0629 \u0644\u0625\u0646\u0634\u0627\u0621 \u0635\u0641\u062d\u0627\u062a."],"Site updated.":["\u062a\u0645 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0645\u0648\u0642\u0639."],"Saving failed.":["\u0641\u0634\u0644\u062a \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062d\u0641\u0638."],"The following changes have been made to your site, templates, and content.":["\u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u062a\u0645\u062a \u0639\u0644\u0649 \u0645\u0648\u0642\u0639\u0643\u060c \u0627\u0644\u0642\u0648\u0627\u0644\u0628\u060c \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u0649."],"The following content has been modified.":["\u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u062a\u0627\u0644\u064a \u062a\u0645 \u062a\u0639\u062f\u064a\u0644\u0647."],"To edit the featured image, you need permission to upload media.":["\u0644\u062a\u062d\u0631\u064a\u0631 \u0627\u0644\u0635\u0648\u0631\u0629 \u0627\u0644\u0628\u0627\u0631\u0632\u0629\u060c \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0635\u0644\u0627\u062d\u064a\u0629 \u0631\u0641\u0639 \u0627\u0644\u0648\u0633\u0627\u0626\u0637."],"Draft saved.":["\u062a\u0645 \u062d\u0641\u0638 \u0627\u0644\u0645\u0633\u0648\u062f\u0629."],"preview":["\u0645\u0639\u0627\u064a\u0646\u0629"],"Exit editor":["\u0627\u0644\u062e\u0631\u0648\u062c \u0645\u0646 \u0627\u0644\u0645\u062d\u0631\u0631"],"Assign a category":["\u062a\u0639\u064a\u064a\u0646 \u062a\u0635\u0646\u064a\u0641"],"%s<\/strong> is currently working on this post (<PreviewLink \/>), which means you cannot make changes, unless you take over.":["%s<\/strong> \u064a\u0639\u0645\u0644 \u062d\u0627\u0644\u064a\u064b\u0627 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 (<PreviewLink \/>)\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646\u0647 \u0644\u0627 \u064a\u0645\u0643\u0646\u0643 \u0625\u062c\u0631\u0627\u0621 \u062a\u063a\u064a\u064a\u0631\u0627\u062a\u060c \u0625\u0644\u0627 \u0625\u0630\u0627 \u062a\u0648\u0644\u064a\u062a \u0627\u0644\u0645\u0647\u0645\u0629."],"View Preview":["\u0645\u0639\u0627\u064a\u0646\u0629"],"Someone else has taken over this post":["\u0634\u062e\u0635 \u0622\u062e\u0631 \u062a\u0648\u0644\u0649 \u0645\u0647\u0645\u0629 \u062a\u062d\u0631\u064a\u0631 \u0647\u0630\u0627 \u0627\u0644\u0645\u062d\u062a\u0648\u0649."],"Another user now has editing control of this post (<PreviewLink \/>). 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خدمة

الدفع بلمسه رز .. التحول الرقمي يغير سلوك المستهلك

مايو 23, 2025

5٬834 2 دقائق

كتبت ميرنا أشرف

التطور التكنولوجي بات ينتشر بسرعة كبيرة وانتشر مع تطور أنظمة الدفع وأصبح دفع إلكتروني مثل Apple pay والتطبيقات المصرفية، لم يعد الدفع مجرد عملية اقتصادية، بل أصبح تجربة نفسية مختلفه تمامًا عن الدفع النقدي. أحد أبرز التغيرات التي أحدثها الدفع الإلكتروني وهو لحد من الم الدفع، حيث لم يعد الشخص يشعر بانه يحمل المال أو ينفقه، بل تتم العملية لمسة زر واحدة.

أوضح احد الأطباء النفسيين، أن عملية الدفع الإلكترونية عبر منصات مختلفة و اشهرها في وقتنا هذا Apple pay، من الناحية النفسية فهي تقلل من ألم الدفع النقدي الملموس، وتابع فالشخص الذي يبادر بالدفع النقدي يمكن أن يري أمواله وهي تناقص مما يعزز من شعورك بخساره المال وألم الدفع، لاكن الدفع الإلكتروني في ظل طور التكنولوجيا جعل هذه العملية اسهل و اسرع حيث أن هذه المنصات حَدت من الشعور المباشر بالإنفاق.

مضيفا، أن المستهلكين الذين يستخدمون الدفع غير النقدي ينفقون أكثر مقارنة بمن يعتمدون على الدفع النقدي، لأنهم لا يشعرون بمدى الإنفاق بنفس الطريقة، ومع غياب الشعور الفوري بالخسارة، يصبح الشخص أكثر عرضة لشراء أشياء لم يكن يخطط لها او لمجرد الشراء، ومن ناحية أخري ارتفاع مستوي الإنفاق بمعني أن الأشخاص الذين يدفعون إلكترونيا يميلون إلى إنفاق أكثر من لذين يدفعون نقدًا.

تعزيز الأمان المالي

ومن جانبه أكد خالد الشافعي خبير اقتصادي، أن الدفع الإلكتروني يؤثر في الاقتصاد بشكل عام بالإيجاب من زاوية حصر كل التعاملات التي تتم داخل السوق المصرفية متابعا، أنه من الناحية المالية، تتيح له تجنب حمل النقود باستمرار، مما يقلل من مخاطر التعرض للسرقة، كما تعزز مستوى الأمان والاطمئنان في تعاملاته اليومية.

أوضح الشافعي، أن الدفع الإلكتروني من خلال “أبل باي” يعتمد بشكل أساسي على المحفظة المالية لشخصية، حيث يكون الفرد هو المسؤول عن إدارتها، سواء كان ذلك من خلال راتبه، مكافآته، أو أي صدر دخل آخر. ومع ذلك، من الضروري الانتباه إلى أن سهولة الدفع الإلكتروني قد تودي إلى الانفاق غير المحسوب، خاصة وأن العملية لا تتطلب سوى ضغطة زر على الهاتف لتحويل الأموال وإتمام المعاملات.

لذلك، من المهم توعية الأفراد بضرورة التحكم في نفقاتهم وعدم التسرع في الإنفاق لمجرد سهولة العملية.كما يجب إطلاق برامج توعية لحماية المستهلكين من خطر الإدمان على الدفع الإلكتروني، إلى جانب التحذير من آثاره السلبية على الإدارة المالية الشخصية والاستقرار الاقتصادي للفرد.

بينما قالت أحد مستخدمي نظام “Apple pay” أنه أصبح دفع النقود أسهل بكثير، ولم أعد شعر بأنني أنفق الكثير من المال على عكس الدفع النقدي، فعندما أخرج المال من محفظتي، أشعر أن المال يتناقص بشكل كبير و متزايد، مما جعلني أكثر حذر في الانفاق، وفي بعض الاوقات اشعر بالانزعاج لأنني قد لا اتمكن من شراء اشياء اخرى خلال اليوم.

لذلك، من المهم تعزيز الثقافة المالية وتوعية الأفراد بمخاطر الإنفاق المستمر بشكل مبالغ فيه، حتى لا تتحول سهولة الدفع الإلكتروني إلى عبء مالي. فالتكنولوجيا اداة قوية، لكن حسن استخدامها هو ما يحدد تأثيرها على الاستقرار المالي للفرد والمجتمع.

مايو 23, 2025

5٬834 2 دقائق