<?php if ( ! defined( 'ABSPATH' ) ) exit; class NF_AJAX_Controllers_Submission extends NF_Abstracts_Controller { protected $_form_data = array(); protected $_form_cache = array(); protected $_preview_data = array(); protected $_form_id = ''; public function __construct() { if( isset( $_POST[ 'nf_resume' ] ) && isset( $_COOKIE[ 'nf_wp_session' ] ) ){ add_action( 'init', array( $this, 'resume' ) ); return; } if( isset( $_POST['formData'] ) ) { $this->_form_data = json_decode( $_POST['formData'], TRUE ); // php5.2 fallback if( ! $this->_form_data ) $this->_form_data = json_decode( stripslashes( $_POST['formData'] ), TRUE ); } // Ajax calls here are both handled by 'submit' in this file add_action( 'wp_ajax_nf_ajax_submit', array( $this, 'submit' ) ); add_action( 'wp_ajax_nopriv_nf_ajax_submit', array( $this, 'submit' ) ); /** * Ajax calls here are handled by 'resume' in this file. These calls * are normally made by the application when returning from 'PayPal' or * 'Stripe'. */ add_action( 'wp_ajax_nf_ajax_resume', array( $this, 'resume' ) ); add_action( 'wp_ajax_nopriv_nf_ajax_resume', array( $this, 'resume' ) ); } public function submit() { $nonce_name = 'ninja_forms_display_nonce'; /** * We've got to get the 'nonce_ts' to append to the nonce name to get * the unique nonce we created * */ if( isset( $_REQUEST[ 'nonce_ts' ] ) && 0 < strlen( $_REQUEST[ 'nonce_ts' ] ) ) { $nonce_name = $nonce_name . "_" . $_REQUEST[ 'nonce_ts' ]; } $check_ajax_referer = check_ajax_referer( $nonce_name, 'security', $die = false ); if(!$check_ajax_referer){ /** * "Just in Time Nonce". * If the nonce fails, then send back a new nonce for the form to resubmit. * This supports the edge-case of 11:59:59 form submissions, while avoiding the form load nonce request. */ $current_time_stamp = time(); $new_nonce_name = 'ninja_forms_display_nonce_' . $current_time_stamp; $this->_errors['nonce'] = array( 'new_nonce' => wp_create_nonce( $new_nonce_name ), 'nonce_ts' => $current_time_stamp ); $this->_respond(); } register_shutdown_function( array( $this, 'shutdown' ) ); $this->form_data_check(); $this->_form_id = $this->_form_data['id']; /* Render Instance Fix */ if(strpos($this->_form_id, '_')){ $this->_form_instance_id = $this->_form_id; list($this->_form_id, $this->_instance_id) = explode('_', $this->_form_id); $updated_fields = array(); foreach($this->_form_data['fields'] as $field_id => $field ){ list($field_id) = explode('_', $field_id); list($field['id']) = explode('_', $field['id']); $updated_fields[$field_id] = $field; } $this->_form_data['fields'] = $updated_fields; } /* END Render Instance Fix */ // If we don't have a numeric form ID... if ( ! is_numeric( $this->_form_id ) ) { // Kick the request out without processing. $this->_errors[] = esc_html__( 'Form does not exist.', 'ninja-forms' ); $this->_respond(); } // Check to see if our form is maintenance mode. $is_maintenance = WPN_Helper::form_in_maintenance( $this->_form_id ); /* * If our form is in maintenance mode then, stop processing and throw an error with a link * back to the form. */ if ( $is_maintenance ) { $message = sprintf( esc_html__( 'This form is currently undergoing maintenance. Please %sclick here%s to reload the form and try again.', 'ninja-forms' ) ,'<a href="' . esc_html($_SERVER[ 'HTTP_REFERER' ]) . '">', '</a>' ); $this->_errors[ 'form' ][] = apply_filters( 'nf_maintenance_message', $message ) ; $this->_respond(); } if( $this->is_preview() ) { $this->_form_cache = get_user_option( 'nf_form_preview_' . $this->_form_id ); if( ! $this->_form_cache ){ $this->_errors[ 'preview' ] = esc_html__( 'Preview does not exist.', 'ninja-forms' ); $this->_respond(); } } else { if( WPN_Helper::use_cache() ) { $this->_form_cache = WPN_Helper::get_nf_cache( $this->_form_id ); } } // Add Field Keys to _form_data if(! $this->is_preview()){ // Make sure we don't have any field ID mismatches. foreach( $this->_form_data[ 'fields' ] as $id => $settings ){ if( $id != $settings[ 'id' ] ){ $this->_errors[ 'fields' ][ $id ] = esc_html__( 'The submitted data is invalid.', 'ninja-forms' ); $this->_respond(); } } $form_fields = Ninja_Forms()->form($this->_form_id)->get_fields(); foreach ($form_fields as $id => $field) { $this->_form_data['fields'][$id]['key'] = $field->get_setting('key'); } } // TODO: Update Conditional Logic to preserve field ID => [ Settings, ID ] structure. $this->_form_data = apply_filters( 'ninja_forms_submit_data', $this->_form_data ); $this->process(); } public function resume() { $this->_form_data = Ninja_Forms()->session()->get( 'nf_processing_form_data' ); $this->_form_cache = Ninja_Forms()->session()->get( 'nf_processing_form_cache' ); $this->_data = Ninja_Forms()->session()->get( 'nf_processing_data' ); $this->_data[ 'resume' ] = WPN_Helper::sanitize_text_field($_POST[ 'nf_resume' ]); $this->_form_id = $this->_data[ 'form_id' ]; unset( $this->_data[ 'halt' ] ); unset( $this->_data[ 'actions' ][ 'redirect' ] ); $this->process(); } protected function process() { // Init Field Merge Tags. $field_merge_tags = Ninja_Forms()->merge_tags[ 'fields' ]; $field_merge_tags->set_form_id( $this->_form_id ); // Init Calc Merge Tags. $calcs_merge_tags = Ninja_Forms()->merge_tags[ 'calcs' ]; if(isset($this->_form_cache[ 'settings' ] ) ) { $form_settings = $this->_form_cache[ 'settings' ]; } else { $form_settings = false; } if( ! $form_settings ){ $form = Ninja_Forms()->form( $this->_form_id )->get(); $form_settings = $form->get_settings(); } // Init Form Merge Tags. $form_merge_tags = Ninja_Forms()->merge_tags[ 'form' ]; $form_merge_tags->set_form_id( $this->_form_id ); $form_merge_tags->set_form_title( $form_settings['title'] ); $this->_data[ 'form_id' ] = $this->_form_data[ 'form_id' ] = $this->_form_id; $this->_data[ 'settings' ] = $form_settings; $this->_data[ 'settings' ][ 'is_preview' ] = $this->is_preview(); $this->maybePreserveExtraData(); $this->_data[ 'extra' ] = $this->_form_data[ 'extra' ]; /* |-------------------------------------------------------------------------- | Fields |-------------------------------------------------------------------------- */ if( $this->is_preview() ){ $form_fields = $this->_form_cache[ 'fields' ]; } else { $form_fields = Ninja_Forms()->form($this->_form_id)->get_fields(); } /** * The Field Processing Loop. * * There can only be one! * For performance reasons, this should be the only time that the fields array is traversed. * Anything needing to loop through fields should integrate here. */ $validate_fields = apply_filters( 'ninja_forms_validate_fields', true, $this->_data ); foreach( $form_fields as $key => $field ){ if( is_object( $field ) ) { //Process Merge tags on Repeater fields values if( $field->get_setting('type' )=== "repeater" ){ $this->process_repeater_fields_merge_tags( $field ); } $field = array( 'id' => $field->get_id(), 'settings' => $field->get_settings() ); } /** Get the field ID */ /* * TODO: Refactor data structures to match. * Preview: Field IDs are stored as the associated array key. * Publish: Field IDs are stored as an array key=>value pair. */ if( $this->is_preview() ){ $field[ 'id' ] = $key; } // Duplicate field ID as single variable for more readable array access. $field_id = $field[ 'id' ]; // Check that the field ID exists in the submitted for data and has a submitted value. if( isset( $this->_form_data[ 'fields' ][ $field_id ] ) && isset( $this->_form_data[ 'fields' ][ $field_id ][ 'value' ] ) ){ $field[ 'value' ] = $this->_form_data[ 'fields' ][ $field_id ][ 'value' ]; } else { $field[ 'value' ] = ''; } // Duplicate field value to settings and top level array item for backwards compatible access (ie Save Action). $field[ 'settings' ][ 'value' ] = $field[ 'value' ]; // Duplicate field value to form cache for passing to the action filter. $this->_form_cache[ 'fields' ][ $key ][ 'settings' ][ 'value' ] = $this->_form_data[ 'fields' ][ $field_id ][ 'value' ]; // Duplicate the Field ID for access as a setting. $field[ 'settings' ][ 'id' ] = $field[ 'id' ]; // Combine with submitted data. $field = array_merge( $field, $this->_form_data[ 'fields' ][ $field_id ] ); // Flatten the field array. $field = array_merge( $field, $field[ 'settings' ] ); /** Prepare Fields in repeater for Validation and Process */ if( $field["type"] === "repeater" ){ foreach( $field["value"] as $index => $child_field_value ){ foreach( $field['fields'] as $i => $child_field ) { if(strpos($index, $child_field['id']) !== false){ $field['value'][$index] = array_merge($child_field, $child_field_value); } } } } /** Validate the Field */ if( $validate_fields && ! isset( $this->_data[ 'resume' ] ) ){ if( $field["type"] === "repeater" ){ foreach( $field["value"] as $index => $child_field ){ $this->validate_field( $field["value"][$index] ); } } else { $this->validate_field( $field ); } } /** Process the Field */ if( ! isset( $this->_data[ 'resume' ] ) ) { if( $field["type"] === "repeater" ){ foreach( $field["value"] as $index => $child_field ){ $this->process_field( $field["value"][$index] ); } } else { $this->process_field($field); } } $field = array_merge( $field, $this->_form_data[ 'fields' ][ $field_id ] ); // Check for field errors after processing. if ( isset( $this->_form_data['errors']['fields'][ $field_id ] ) ) { $this->_errors['fields'][ $field_id ] = $this->_form_data['errors']['fields'][ $field_id ]; $this->_respond(); } /** Populate Field Merge Tag */ $field_merge_tags->add_field( $field ); $this->_data[ 'fields' ][ $field_id ] = $field; $this->_data[ 'fields_by_key' ][ $field[ 'key' ] ] = $field; } /* |-------------------------------------------------------------------------- | Check for unique field settings. |-------------------------------------------------------------------------- */ if ( isset( $this->_data[ 'resume' ] ) && $this->_data[ 'resume' ] ){ // On Resume Submission, we don't need to run this check again. // This section intentionally left blank. } elseif ( isset ( $this->_data[ 'settings' ][ 'unique_field' ] ) && ! empty( $this->_data[ 'settings' ][ 'unique_field' ] ) ) { /* * Get our unique field */ $unique_field_key = $this->_data[ 'settings' ][ 'unique_field' ]; $unique_field_error = $this->_data[ 'settings' ][ 'unique_field_error' ]; $unique_field_id = $this->_data[ 'fields_by_key' ][ $unique_field_key ][ 'id' ]; $unique_field_value = $this->_data[ 'fields_by_key' ][ $unique_field_key ][ 'value' ]; if ( is_array( $unique_field_value ) ) { $unique_field_value = serialize( $unique_field_value ); } if ( ! empty($unique_field_value) ) { /* * Check our db for the value submitted. */ global $wpdb; // @TODO: Rewrite this to use our submissions API. $sql = $wpdb->prepare( "SELECT COUNT(m.meta_id) FROM `" . $wpdb->prefix . "postmeta` AS m LEFT JOIN `" . $wpdb->prefix . "posts` AS p ON p.id = m.post_id WHERE m.meta_key = '_field_%d' AND m.meta_value = '%s' AND p.post_status = 'publish'", $unique_field_id, $unique_field_value ); $result = $wpdb->get_results( $sql, 'ARRAY_N' ); if ( intval( $result[ 0 ][ 0 ] ) > 0 ) { $this->_errors['fields'][ $unique_field_id ] = array( 'slug' => 'unique_field', 'message' => $unique_field_error ); $this->_respond(); } } } /* |-------------------------------------------------------------------------- | Verify the submission limit. |-------------------------------------------------------------------------- */ if ( isset( $this->_data[ 'settings' ][ 'sub_limit_number' ] ) && ! empty( $this->_data[ 'settings' ][ 'sub_limit_number' ] ) ) { global $wpdb; $result = $wpdb->get_row( "SELECT COUNT(DISTINCT(p.ID)) AS count FROM `$wpdb->posts` AS p LEFT JOIN `$wpdb->postmeta` AS m ON p.ID = m.post_id WHERE m.meta_key = '_form_id' AND m.meta_value = $this->_form_id AND p.post_status = 'publish'"); if ( intval( $result->count ) >= intval( $this->_data[ 'settings' ][ 'sub_limit_number' ] ) ) { $this->_errors[ 'form' ][] = $this->_data[ 'settings' ][ 'sub_limit_msg' ]; $this->_respond(); } } /* |-------------------------------------------------------------------------- | Calculations |-------------------------------------------------------------------------- */ /** * We shouldn't have anything in here before processing. * So, clear out the trash. */ if( isset( $this->_data['extra']['calculations'] ) ) { unset( $this->_data['extra']['calculations']); unset( $this->_form_data['extra']['calculations']); } if( isset( $this->_form_cache[ 'settings' ][ 'calculations' ] ) ) { /** * The Calculation Processing Loop */ foreach( $this->_form_cache[ 'settings' ][ 'calculations' ] as $calc ){ $eq = apply_filters( 'ninja_forms_calc_setting', $calc[ 'eq' ] ); // Scrub unmerged tags (ie deleted/non-existent fields/calcs, etc). $eq = preg_replace( '/{([a-zA-Z0-9]|:|_|-)*}/', 0, $eq); /** * PHP doesn't evaluate empty strings to numbers. So check * for any string for the decimal place **/ $dec = ( isset( $calc[ 'dec' ] ) && '' != $calc[ 'dec' ] ) ? $calc[ 'dec' ] : 2; $calcs_merge_tags->set_merge_tags( $calc[ 'name' ], $eq, $dec, $this->_form_data['settings']['decimal_point'], $this->_form_data['settings']['thousands_sep'] ); $this->_data[ 'extra' ][ 'calculations' ][ $calc[ 'name' ] ] = array( 'raw' => $calc[ 'eq' ], 'parsed' => $eq, 'value' => $calcs_merge_tags->get_formatted_calc_value( $calc[ 'name' ], $dec, $this->_form_data['settings']['decimal_point'], $this->_form_data['settings']['thousands_sep'] ), ); } } /* |-------------------------------------------------------------------------- | Actions |-------------------------------------------------------------------------- */ /* * TODO: This section has become convoluted, but will be refactored along with the submission controller. */ if( isset( $this->_data[ 'resume' ] ) && $this->_data[ 'resume' ] ){ // On Resume Submission, the action data is loaded form the session. // This section intentionally left blank. } elseif( ! $this->is_preview() ) { // Published forms rely on the Database for the "truth" about Actions. $actions = Ninja_Forms()->form($this->_form_id)->get_actions(); $this->_form_cache[ 'actions' ] = array(); foreach( $actions as $action ){ $action_id = $action->get_id(); $this->_form_cache[ 'actions' ][ $action_id ] = array( 'id' => $action_id, 'settings' => $action->get_settings() ); } } else { // Previews uses user option for stored data. $preview_data = get_user_option( 'nf_form_preview_' . $this->_form_id ); $this->_form_cache[ 'actions' ] = $preview_data[ 'actions' ]; } /* END form cache bypass. */ // Sort Actions by Timing Order, then by Priority Order. usort( $this->_form_cache[ 'actions' ], array( $this, 'sort_form_actions' ) ); /* * Filter Actions so that they can be pragmatically disabled by add-ons. * * ninja_forms_submission_actions * ninja_forms_submission_actions_preview */ $this->_form_cache[ 'actions' ] = apply_filters( 'ninja_forms_submission_actions', $this->_form_cache[ 'actions' ], $this->_form_cache, $this->_form_data ); if( $this->is_preview() ) { $this->_form_cache['actions'] = apply_filters('ninja_forms_submission_actions_preview', $this->_form_cache['actions'], $this->_form_cache); } // Initialize the process actions log. if( ! isset( $this->_data[ 'processed_actions' ] ) ) $this->_data[ 'processed_actions' ] = array(); /* * Merging extra data that may have been added by fields during processing so that the values aren't lost when we enter the action loop. */ $this->_data[ 'extra' ] = array_merge( $this->_data[ 'extra' ], $this->_form_data[ 'extra' ] ); /** * The Action Processing Loop */ foreach( $this->_form_cache[ 'actions' ] as $key => $action ){ /** Get the action ID */ /* * TODO: Refactor data structures to match. * Preview: Action IDs are stored as the associated array key. * Publish: Action IDs are stored as an array key=>value pair. */ if( $this->is_preview() ){ $action[ 'id' ] = $key; } // Duplicate the Action ID for access as a setting. $action[ 'settings' ][ 'id' ] = $action[ 'id' ]; // Duplicate action ID as single variable for more readable array access. $action_id = $action[ 'id' ]; // If an action has already run (ie resume submission), do not re-process. if( in_array( $action[ 'id' ], $this->_data[ 'processed_actions' ] ) ) continue; $action[ 'settings' ] = apply_filters( 'ninja_forms_run_action_settings', $action[ 'settings' ], $this->_form_id, $action[ 'id' ], $this->_form_data['settings'] ); if( $this->is_preview() ){ $action[ 'settings' ] = apply_filters( 'ninja_forms_run_action_settings_preview', $action[ 'settings' ], $this->_form_id, $action[ 'id' ], $this->_form_data['settings'] ); } if( ! $action[ 'settings' ][ 'active' ] ) continue; if( ! apply_filters( 'ninja_forms_run_action_type_' . $action[ 'settings' ][ 'type' ], TRUE ) ) continue; $type = $action[ 'settings' ][ 'type' ]; if( ! is_string( $type ) ) continue; /* * test if Ninja_Forms()->actions[ $type ] is not empty */ if(isset(Ninja_Forms()->actions[ $type ])) { $action_class = Ninja_Forms()->actions[ $type ]; if( ! method_exists( $action_class, 'process' ) ) continue; if( $data = $action_class->process($action[ 'settings' ], $this->_form_id, $this->_data ) ) { $this->_data = apply_filters( 'ninja_forms_post_run_action_type_' . $action[ 'settings' ][ 'type' ], $data ); } } // $this->_data[ 'actions' ][ $type ][] = $action; $this->maybe_halt( $action[ 'id' ] ); } do_action( 'ninja_forms_after_submission', $this->_data ); $this->_respond(); } /** * Upon request, preserve a resumed action's extra data from before halt * * @return void */ private function maybePreserveExtraData(): void { if ( isset($this->_data['resume']) && isset($this->_data['resume']['preserve_extra_data']) ) { $preservedKey = $this->_data['resume']['preserve_extra_data']; if (isset($this->_data['extra'][$preservedKey])) { $this->_form_data['extra'][$preservedKey] = $this->_data['extra'][$preservedKey]; } } } protected function validate_field( $field_settings ) { $field_settings = apply_filters( 'ninja_forms_pre_validate_field_settings', $field_settings ); if( ! is_string( $field_settings['type'] ) ) return; $field_class = Ninja_Forms()->fields[ $field_settings['type'] ]; // if field_class is neither object nor string return before method_exists call if(!is_object($field_class) && !is_string($field_class)){ return; } if( ! method_exists( $field_class, 'validate' ) ) return; if( $errors = $field_class->validate( $field_settings, $this->_form_data ) ){ $field_id = $field_settings[ 'id' ]; $this->_errors[ 'fields' ][ $field_id ] = $errors; $this->_respond(); } } protected function process_field( $field_settings ) { if( ! is_string( $field_settings['type'] ) ) return; $field_class = Ninja_Forms()->fields[ $field_settings['type'] ]; // If $field_class is not object or string, return w/o checking for method_exists if(!is_object($field_class) && !is_string($field_class)){ return; } if( ! method_exists( $field_class, 'process' ) ) return; if( $data = $field_class->process( $field_settings, $this->_form_data ) ){ $this->_form_data = $data; } } protected function maybe_halt( $action_id ) { if( isset( $this->_data[ 'errors' ] ) && $this->_data[ 'errors' ] ){ $this->_respond(); } if( isset( $this->_data[ 'halt' ] ) && $this->_data[ 'halt' ] ){ Ninja_Forms()->session()->set( 'nf_processing_data', $this->_data ); Ninja_Forms()->session()->set( 'nf_processing_form_data', $this->_form_data ); Ninja_Forms()->session()->set( 'nf_processing_form_cache', $this->_form_cache ); $this->_respond(); } array_push( $this->_data[ 'processed_actions' ], $action_id ); } protected function sort_form_actions( $a, $b ) { if( is_object( $a ) ) { if( ! isset( Ninja_Forms()->actions[ $a->get_setting( 'type' ) ] ) ) return -1; $a = Ninja_Forms()->actions[ $a->get_setting( 'type' ) ]; } else { if( ! isset( Ninja_Forms()->actions[ $a[ 'settings' ][ 'type' ] ] ) ) return -1; $a = Ninja_Forms()->actions[ $a[ 'settings' ][ 'type' ] ]; } if( is_object( $b ) ) { if( ! isset( Ninja_Forms()->actions[ $b->get_setting( 'type' ) ] ) ) return 1; $b = Ninja_Forms()->actions[ $b->get_setting( 'type' ) ]; } else { if( ! isset( Ninja_Forms()->actions[ $b[ 'settings' ][ 'type' ] ] ) ) return 1; $b = Ninja_Forms()->actions[ $b[ 'settings' ][ 'type' ] ]; } if ( $a->get_timing() == $b->get_timing() ) { if ( $a->get_priority() == $b->get_priority() ) { return 0; } return ( $a->get_priority() < $b->get_priority() ) ? -1 : 1; } return ( $a->get_timing() < $b->get_timing() ) ? -1 : 1; } public function shutdown() { $error = error_get_last(); if( $error !== NULL && in_array( $error[ 'type' ], array( E_ERROR, E_CORE_ERROR, E_COMPILE_ERROR, E_USER_ERROR ) ) ) { $this->_errors[ 'form' ][ 'last' ] = esc_html__( 'The server encountered an error during processing.', 'ninja-forms' ); if( current_user_can( 'manage_options' ) && isset( $error[ 'message' ] ) ){ $this->_errors[ 'form' ][ 'last_admin' ] = '<pre>' . $error[ 'message' ] . '</pre>'; } $this->_errors[ 'last' ] = $error; Ninja_Forms()->logger()->emergency( $error[ 'message' ] ); $this->_respond(); } } protected function form_data_check() { if( $this->_form_data ) return; if( function_exists( 'json_last_error' ) // Function not supported in php5.2 && function_exists( 'json_last_error_msg' )// Function not supported in php5.4 && json_last_error() ){ $this->_errors[] = json_last_error_msg(); } else { $this->_errors[] = esc_html__( 'An unexpected error occurred.', 'ninja-forms' ); } $this->_respond(); } protected function is_preview() { if( ! isset( $this->_form_data[ 'settings' ][ 'is_preview' ] ) ) return false; return $this->_form_data[ 'settings' ][ 'is_preview' ]; } /* * Overwrite method for parent class. */ protected function _respond( $data = array() ) { // Restore form instance ID. if(property_exists($this, '_form_instance_id') && $this->_form_instance_id){ $this->_data[ 'form_id' ] = $this->_form_instance_id; // Maybe update IDs for field errors, if there are field errors. if(isset($this->_errors['fields']) && $this->_errors['fields']){ $field_errors = array(); foreach($this->_errors['fields'] as $field_id => $error){ $field_errors[$field_id . '_' . $this->_instance_id] = $error; } $this->_errors['fields'] = $field_errors; } } // Set a content type of JSON for the purpose of previnting XSS attacks. header( 'Content-Type: application/json' ); // Call the parent method. parent::_respond(); } /** * Process fields merge tags for fields inside a repeater fieldset * * @param object $field The Repeater Fieldset * */ protected function process_repeater_fields_merge_tags( $field ){ //Compare the Repeater field passed calling the function with the array of fields values from the submission object foreach( $this->_form_data['fields'][$field->get_id()]['value'] as $id => $data ){ //Check if field is a Repeater Field if( Ninja_Forms()->fieldsetRepeater->isRepeaterFieldByFieldReference($id) && !empty($data['value']) && is_string($data['value']) ) { //Merge tags in the Repeater Field Sub Fields values $this->_form_data['fields'][$field->get_id()]['value'][$id]['value'] = apply_filters( 'ninja_forms_merge_tags', $data['value'] ); } } } }

خدمة

الدفع بلمسه رز .. التحول الرقمي يغير سلوك المستهلك

مايو 23, 2025

9٬148 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

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