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/home/tahkoom/public_html/wp-includes/js/dist/annotations.js
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var __webpack_exports__ = {};
// ESM COMPAT FLAG
__webpack_require__.r(__webpack_exports__);

// EXPORTS
__webpack_require__.d(__webpack_exports__, {
  store: () => (/* reexport */ store)
});

// NAMESPACE OBJECT: ./node_modules/@wordpress/annotations/build-module/store/selectors.js
var selectors_namespaceObject = {};
__webpack_require__.r(selectors_namespaceObject);
__webpack_require__.d(selectors_namespaceObject, {
  __experimentalGetAllAnnotationsForBlock: () => (__experimentalGetAllAnnotationsForBlock),
  __experimentalGetAnnotations: () => (__experimentalGetAnnotations),
  __experimentalGetAnnotationsForBlock: () => (__experimentalGetAnnotationsForBlock),
  __experimentalGetAnnotationsForRichText: () => (__experimentalGetAnnotationsForRichText)
});

// NAMESPACE OBJECT: ./node_modules/@wordpress/annotations/build-module/store/actions.js
var actions_namespaceObject = {};
__webpack_require__.r(actions_namespaceObject);
__webpack_require__.d(actions_namespaceObject, {
  __experimentalAddAnnotation: () => (__experimentalAddAnnotation),
  __experimentalRemoveAnnotation: () => (__experimentalRemoveAnnotation),
  __experimentalRemoveAnnotationsBySource: () => (__experimentalRemoveAnnotationsBySource),
  __experimentalUpdateAnnotationRange: () => (__experimentalUpdateAnnotationRange)
});

;// external ["wp","richText"]
const external_wp_richText_namespaceObject = window["wp"]["richText"];
;// external ["wp","i18n"]
const external_wp_i18n_namespaceObject = window["wp"]["i18n"];
;// ./node_modules/@wordpress/annotations/build-module/store/constants.js
/**
 * The identifier for the data store.
 *
 * @type {string}
 */
const STORE_NAME = 'core/annotations';

;// ./node_modules/@wordpress/annotations/build-module/format/annotation.js
/**
 * WordPress dependencies
 */


const FORMAT_NAME = 'core/annotation';
const ANNOTATION_ATTRIBUTE_PREFIX = 'annotation-text-';
/**
 * Internal dependencies
 */


/**
 * Applies given annotations to the given record.
 *
 * @param {Object} record      The record to apply annotations to.
 * @param {Array}  annotations The annotation to apply.
 * @return {Object} A record with the annotations applied.
 */
function applyAnnotations(record, annotations = []) {
  annotations.forEach(annotation => {
    let {
      start,
      end
    } = annotation;
    if (start > record.text.length) {
      start = record.text.length;
    }
    if (end > record.text.length) {
      end = record.text.length;
    }
    const className = ANNOTATION_ATTRIBUTE_PREFIX + annotation.source;
    const id = ANNOTATION_ATTRIBUTE_PREFIX + annotation.id;
    record = (0,external_wp_richText_namespaceObject.applyFormat)(record, {
      type: FORMAT_NAME,
      attributes: {
        className,
        id
      }
    }, start, end);
  });
  return record;
}

/**
 * Removes annotations from the given record.
 *
 * @param {Object} record Record to remove annotations from.
 * @return {Object} The cleaned record.
 */
function removeAnnotations(record) {
  return removeFormat(record, 'core/annotation', 0, record.text.length);
}

/**
 * Retrieves the positions of annotations inside an array of formats.
 *
 * @param {Array} formats Formats with annotations in there.
 * @return {Object} ID keyed positions of annotations.
 */
function retrieveAnnotationPositions(formats) {
  const positions = {};
  formats.forEach((characterFormats, i) => {
    characterFormats = characterFormats || [];
    characterFormats = characterFormats.filter(format => format.type === FORMAT_NAME);
    characterFormats.forEach(format => {
      let {
        id
      } = format.attributes;
      id = id.replace(ANNOTATION_ATTRIBUTE_PREFIX, '');
      if (!positions.hasOwnProperty(id)) {
        positions[id] = {
          start: i
        };
      }

      // Annotations refer to positions between characters.
      // Formats refer to the character themselves.
      // So we need to adjust for that here.
      positions[id].end = i + 1;
    });
  });
  return positions;
}

/**
 * Updates annotations in the state based on positions retrieved from RichText.
 *
 * @param {Array}    annotations                   The annotations that are currently applied.
 * @param {Array}    positions                     The current positions of the given annotations.
 * @param {Object}   actions
 * @param {Function} actions.removeAnnotation      Function to remove an annotation from the state.
 * @param {Function} actions.updateAnnotationRange Function to update an annotation range in the state.
 */
function updateAnnotationsWithPositions(annotations, positions, {
  removeAnnotation,
  updateAnnotationRange
}) {
  annotations.forEach(currentAnnotation => {
    const position = positions[currentAnnotation.id];
    // If we cannot find an annotation, delete it.
    if (!position) {
      // Apparently the annotation has been removed, so remove it from the state:
      // Remove...
      removeAnnotation(currentAnnotation.id);
      return;
    }
    const {
      start,
      end
    } = currentAnnotation;
    if (start !== position.start || end !== position.end) {
      updateAnnotationRange(currentAnnotation.id, position.start, position.end);
    }
  });
}
const annotation = {
  name: FORMAT_NAME,
  title: (0,external_wp_i18n_namespaceObject.__)('Annotation'),
  tagName: 'mark',
  className: 'annotation-text',
  attributes: {
    className: 'class',
    id: 'id'
  },
  edit() {
    return null;
  },
  __experimentalGetPropsForEditableTreePreparation(select, {
    richTextIdentifier,
    blockClientId
  }) {
    return {
      annotations: select(STORE_NAME).__experimentalGetAnnotationsForRichText(blockClientId, richTextIdentifier)
    };
  },
  __experimentalCreatePrepareEditableTree({
    annotations
  }) {
    return (formats, text) => {
      if (annotations.length === 0) {
        return formats;
      }
      let record = {
        formats,
        text
      };
      record = applyAnnotations(record, annotations);
      return record.formats;
    };
  },
  __experimentalGetPropsForEditableTreeChangeHandler(dispatch) {
    return {
      removeAnnotation: dispatch(STORE_NAME).__experimentalRemoveAnnotation,
      updateAnnotationRange: dispatch(STORE_NAME).__experimentalUpdateAnnotationRange
    };
  },
  __experimentalCreateOnChangeEditableValue(props) {
    return formats => {
      const positions = retrieveAnnotationPositions(formats);
      const {
        removeAnnotation,
        updateAnnotationRange,
        annotations
      } = props;
      updateAnnotationsWithPositions(annotations, positions, {
        removeAnnotation,
        updateAnnotationRange
      });
    };
  }
};

;// ./node_modules/@wordpress/annotations/build-module/format/index.js
/**
 * WordPress dependencies
 */


/**
 * Internal dependencies
 */

const {
  name: format_name,
  ...settings
} = annotation;
(0,external_wp_richText_namespaceObject.registerFormatType)(format_name, settings);

;// external ["wp","hooks"]
const external_wp_hooks_namespaceObject = window["wp"]["hooks"];
;// external ["wp","data"]
const external_wp_data_namespaceObject = window["wp"]["data"];
;// ./node_modules/@wordpress/annotations/build-module/block/index.js
/**
 * WordPress dependencies
 */



/**
 * Internal dependencies
 */

/**
 * Adds annotation className to the block-list-block component.
 *
 * @param {Object} OriginalComponent The original BlockListBlock component.
 * @return {Object} The enhanced component.
 */
const addAnnotationClassName = OriginalComponent => {
  return (0,external_wp_data_namespaceObject.withSelect)((select, {
    clientId,
    className
  }) => {
    const annotations = select(STORE_NAME).__experimentalGetAnnotationsForBlock(clientId);
    return {
      className: annotations.map(annotation => {
        return 'is-annotated-by-' + annotation.source;
      }).concat(className).filter(Boolean).join(' ')
    };
  })(OriginalComponent);
};
(0,external_wp_hooks_namespaceObject.addFilter)('editor.BlockListBlock', 'core/annotations', addAnnotationClassName);

;// ./node_modules/@wordpress/annotations/build-module/store/reducer.js
/**
 * Filters an array based on the predicate, but keeps the reference the same if
 * the array hasn't changed.
 *
 * @param {Array}    collection The collection to filter.
 * @param {Function} predicate  Function that determines if the item should stay
 *                              in the array.
 * @return {Array} Filtered array.
 */
function filterWithReference(collection, predicate) {
  const filteredCollection = collection.filter(predicate);
  return collection.length === filteredCollection.length ? collection : filteredCollection;
}

/**
 * Creates a new object with the same keys, but with `callback()` called as
 * a transformer function on each of the values.
 *
 * @param {Object}   obj      The object to transform.
 * @param {Function} callback The function to transform each object value.
 * @return {Array} Transformed object.
 */
const mapValues = (obj, callback) => Object.entries(obj).reduce((acc, [key, value]) => ({
  ...acc,
  [key]: callback(value)
}), {});

/**
 * Verifies whether the given annotations is a valid annotation.
 *
 * @param {Object} annotation The annotation to verify.
 * @return {boolean} Whether the given annotation is valid.
 */
function isValidAnnotationRange(annotation) {
  return typeof annotation.start === 'number' && typeof annotation.end === 'number' && annotation.start <= annotation.end;
}

/**
 * Reducer managing annotations.
 *
 * @param {Object} state  The annotations currently shown in the editor.
 * @param {Object} action Dispatched action.
 *
 * @return {Array} Updated state.
 */
function annotations(state = {}, action) {
  var _state$blockClientId;
  switch (action.type) {
    case 'ANNOTATION_ADD':
      const blockClientId = action.blockClientId;
      const newAnnotation = {
        id: action.id,
        blockClientId,
        richTextIdentifier: action.richTextIdentifier,
        source: action.source,
        selector: action.selector,
        range: action.range
      };
      if (newAnnotation.selector === 'range' && !isValidAnnotationRange(newAnnotation.range)) {
        return state;
      }
      const previousAnnotationsForBlock = (_state$blockClientId = state?.[blockClientId]) !== null && _state$blockClientId !== void 0 ? _state$blockClientId : [];
      return {
        ...state,
        [blockClientId]: [...previousAnnotationsForBlock, newAnnotation]
      };
    case 'ANNOTATION_REMOVE':
      return mapValues(state, annotationsForBlock => {
        return filterWithReference(annotationsForBlock, annotation => {
          return annotation.id !== action.annotationId;
        });
      });
    case 'ANNOTATION_UPDATE_RANGE':
      return mapValues(state, annotationsForBlock => {
        let hasChangedRange = false;
        const newAnnotations = annotationsForBlock.map(annotation => {
          if (annotation.id === action.annotationId) {
            hasChangedRange = true;
            return {
              ...annotation,
              range: {
                start: action.start,
                end: action.end
              }
            };
          }
          return annotation;
        });
        return hasChangedRange ? newAnnotations : annotationsForBlock;
      });
    case 'ANNOTATION_REMOVE_SOURCE':
      return mapValues(state, annotationsForBlock => {
        return filterWithReference(annotationsForBlock, annotation => {
          return annotation.source !== action.source;
        });
      });
  }
  return state;
}
/* harmony default export */ const reducer = (annotations);

;// ./node_modules/@wordpress/annotations/build-module/store/selectors.js
/**
 * WordPress dependencies
 */


/**
 * Shared reference to an empty array for cases where it is important to avoid
 * returning a new array reference on every invocation, as in a connected or
 * other pure component which performs `shouldComponentUpdate` check on props.
 * This should be used as a last resort, since the normalized data should be
 * maintained by the reducer result in state.
 *
 * @type {Array}
 */
const EMPTY_ARRAY = [];

/**
 * Returns the annotations for a specific client ID.
 *
 * @param {Object} state    Editor state.
 * @param {string} clientId The ID of the block to get the annotations for.
 *
 * @return {Array} The annotations applicable to this block.
 */
const __experimentalGetAnnotationsForBlock = (0,external_wp_data_namespaceObject.createSelector)((state, blockClientId) => {
  var _state$blockClientId;
  return ((_state$blockClientId = state?.[blockClientId]) !== null && _state$blockClientId !== void 0 ? _state$blockClientId : []).filter(annotation => {
    return annotation.selector === 'block';
  });
}, (state, blockClientId) => {
  var _state$blockClientId2;
  return [(_state$blockClientId2 = state?.[blockClientId]) !== null && _state$blockClientId2 !== void 0 ? _state$blockClientId2 : EMPTY_ARRAY];
});
function __experimentalGetAllAnnotationsForBlock(state, blockClientId) {
  var _state$blockClientId3;
  return (_state$blockClientId3 = state?.[blockClientId]) !== null && _state$blockClientId3 !== void 0 ? _state$blockClientId3 : EMPTY_ARRAY;
}

/**
 * Returns the annotations that apply to the given RichText instance.
 *
 * Both a blockClientId and a richTextIdentifier are required. This is because
 * a block might have multiple `RichText` components. This does mean that every
 * block needs to implement annotations itself.
 *
 * @param {Object} state              Editor state.
 * @param {string} blockClientId      The client ID for the block.
 * @param {string} richTextIdentifier Unique identifier that identifies the given RichText.
 * @return {Array} All the annotations relevant for the `RichText`.
 */
const __experimentalGetAnnotationsForRichText = (0,external_wp_data_namespaceObject.createSelector)((state, blockClientId, richTextIdentifier) => {
  var _state$blockClientId4;
  return ((_state$blockClientId4 = state?.[blockClientId]) !== null && _state$blockClientId4 !== void 0 ? _state$blockClientId4 : []).filter(annotation => {
    return annotation.selector === 'range' && richTextIdentifier === annotation.richTextIdentifier;
  }).map(annotation => {
    const {
      range,
      ...other
    } = annotation;
    return {
      ...range,
      ...other
    };
  });
}, (state, blockClientId) => {
  var _state$blockClientId5;
  return [(_state$blockClientId5 = state?.[blockClientId]) !== null && _state$blockClientId5 !== void 0 ? _state$blockClientId5 : EMPTY_ARRAY];
});

/**
 * Returns all annotations in the editor state.
 *
 * @param {Object} state Editor state.
 * @return {Array} All annotations currently applied.
 */
function __experimentalGetAnnotations(state) {
  return Object.values(state).flat();
}

;// ./node_modules/@wordpress/annotations/node_modules/uuid/dist/esm-browser/native.js
const randomUUID = typeof crypto !== 'undefined' && crypto.randomUUID && crypto.randomUUID.bind(crypto);
/* harmony default export */ const esm_browser_native = ({
  randomUUID
});
;// ./node_modules/@wordpress/annotations/node_modules/uuid/dist/esm-browser/rng.js
// Unique ID creation requires a high quality random # generator. In the browser we therefore
// require the crypto API and do not support built-in fallback to lower quality random number
// generators (like Math.random()).
let getRandomValues;
const rnds8 = new Uint8Array(16);
function rng() {
  // lazy load so that environments that need to polyfill have a chance to do so
  if (!getRandomValues) {
    // getRandomValues needs to be invoked in a context where "this" is a Crypto implementation.
    getRandomValues = typeof crypto !== 'undefined' && crypto.getRandomValues && crypto.getRandomValues.bind(crypto);

    if (!getRandomValues) {
      throw new Error('crypto.getRandomValues() not supported. See https://github.com/uuidjs/uuid#getrandomvalues-not-supported');
    }
  }

  return getRandomValues(rnds8);
}
;// ./node_modules/@wordpress/annotations/node_modules/uuid/dist/esm-browser/stringify.js

/**
 * Convert array of 16 byte values to UUID string format of the form:
 * XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX
 */

const byteToHex = [];

for (let i = 0; i < 256; ++i) {
  byteToHex.push((i + 0x100).toString(16).slice(1));
}

function unsafeStringify(arr, offset = 0) {
  // Note: Be careful editing this code!  It's been tuned for performance
  // and works in ways you may not expect. See https://github.com/uuidjs/uuid/pull/434
  return byteToHex[arr[offset + 0]] + byteToHex[arr[offset + 1]] + byteToHex[arr[offset + 2]] + byteToHex[arr[offset + 3]] + '-' + byteToHex[arr[offset + 4]] + byteToHex[arr[offset + 5]] + '-' + byteToHex[arr[offset + 6]] + byteToHex[arr[offset + 7]] + '-' + byteToHex[arr[offset + 8]] + byteToHex[arr[offset + 9]] + '-' + byteToHex[arr[offset + 10]] + byteToHex[arr[offset + 11]] + byteToHex[arr[offset + 12]] + byteToHex[arr[offset + 13]] + byteToHex[arr[offset + 14]] + byteToHex[arr[offset + 15]];
}

function stringify(arr, offset = 0) {
  const uuid = unsafeStringify(arr, offset); // Consistency check for valid UUID.  If this throws, it's likely due to one
  // of the following:
  // - One or more input array values don't map to a hex octet (leading to
  // "undefined" in the uuid)
  // - Invalid input values for the RFC `version` or `variant` fields

  if (!validate(uuid)) {
    throw TypeError('Stringified UUID is invalid');
  }

  return uuid;
}

/* harmony default export */ const esm_browser_stringify = ((/* unused pure expression or super */ null && (stringify)));
;// ./node_modules/@wordpress/annotations/node_modules/uuid/dist/esm-browser/v4.js




function v4(options, buf, offset) {
  if (esm_browser_native.randomUUID && !buf && !options) {
    return esm_browser_native.randomUUID();
  }

  options = options || {};
  const rnds = options.random || (options.rng || rng)(); // Per 4.4, set bits for version and `clock_seq_hi_and_reserved`

  rnds[6] = rnds[6] & 0x0f | 0x40;
  rnds[8] = rnds[8] & 0x3f | 0x80; // Copy bytes to buffer, if provided

  if (buf) {
    offset = offset || 0;

    for (let i = 0; i < 16; ++i) {
      buf[offset + i] = rnds[i];
    }

    return buf;
  }

  return unsafeStringify(rnds);
}

/* harmony default export */ const esm_browser_v4 = (v4);
;// ./node_modules/@wordpress/annotations/build-module/store/actions.js
/**
 * External dependencies
 */


/**
 * @typedef WPAnnotationRange
 *
 * @property {number} start The offset where the annotation should start.
 * @property {number} end   The offset where the annotation should end.
 */

/**
 * Adds an annotation to a block.
 *
 * The `block` attribute refers to a block ID that needs to be annotated.
 * `isBlockAnnotation` controls whether or not the annotation is a block
 * annotation. The `source` is the source of the annotation, this will be used
 * to identity groups of annotations.
 *
 * The `range` property is only relevant if the selector is 'range'.
 *
 * @param {Object}            annotation                    The annotation to add.
 * @param {string}            annotation.blockClientId      The blockClientId to add the annotation to.
 * @param {string}            annotation.richTextIdentifier Identifier for the RichText instance the annotation applies to.
 * @param {WPAnnotationRange} annotation.range              The range at which to apply this annotation.
 * @param {string}            [annotation.selector="range"] The way to apply this annotation.
 * @param {string}            [annotation.source="default"] The source that added the annotation.
 * @param {string}            [annotation.id]               The ID the annotation should have. Generates a UUID by default.
 *
 * @return {Object} Action object.
 */
function __experimentalAddAnnotation({
  blockClientId,
  richTextIdentifier = null,
  range = null,
  selector = 'range',
  source = 'default',
  id = esm_browser_v4()
}) {
  const action = {
    type: 'ANNOTATION_ADD',
    id,
    blockClientId,
    richTextIdentifier,
    source,
    selector
  };
  if (selector === 'range') {
    action.range = range;
  }
  return action;
}

/**
 * Removes an annotation with a specific ID.
 *
 * @param {string} annotationId The annotation to remove.
 *
 * @return {Object} Action object.
 */
function __experimentalRemoveAnnotation(annotationId) {
  return {
    type: 'ANNOTATION_REMOVE',
    annotationId
  };
}

/**
 * Updates the range of an annotation.
 *
 * @param {string} annotationId ID of the annotation to update.
 * @param {number} start        The start of the new range.
 * @param {number} end          The end of the new range.
 *
 * @return {Object} Action object.
 */
function __experimentalUpdateAnnotationRange(annotationId, start, end) {
  return {
    type: 'ANNOTATION_UPDATE_RANGE',
    annotationId,
    start,
    end
  };
}

/**
 * Removes all annotations of a specific source.
 *
 * @param {string} source The source to remove.
 *
 * @return {Object} Action object.
 */
function __experimentalRemoveAnnotationsBySource(source) {
  return {
    type: 'ANNOTATION_REMOVE_SOURCE',
    source
  };
}

;// ./node_modules/@wordpress/annotations/build-module/store/index.js
/**
 * WordPress dependencies
 */


/**
 * Internal dependencies
 */




/**
 * Module Constants
 */


/**
 * Store definition for the annotations namespace.
 *
 * @see https://github.com/WordPress/gutenberg/blob/HEAD/packages/data/README.md#createReduxStore
 *
 * @type {Object}
 */
const store = (0,external_wp_data_namespaceObject.createReduxStore)(STORE_NAME, {
  reducer: reducer,
  selectors: selectors_namespaceObject,
  actions: actions_namespaceObject
});
(0,external_wp_data_namespaceObject.register)(store);

;// ./node_modules/@wordpress/annotations/build-module/index.js
/**
 * Internal dependencies
 */




(window.wp = window.wp || {}).annotations = __webpack_exports__;
/******/ })()
;
الدفع بلمسه رز .. التحول الرقمي يغير سلوك المستهلك – tahkoom.com
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الدفع بلمسه رز .. التحول الرقمي يغير سلوك المستهلك

 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.

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