{"id":12116,"date":"2026-02-10T15:45:48","date_gmt":"2026-02-10T15:45:48","guid":{"rendered":"https:\/\/gammablog.ahmadalkhuleyf.net\/regulatory-sandbox-importance-for-investors\/"},"modified":"2026-04-09T14:31:22","modified_gmt":"2026-04-09T14:31:22","slug":"regulatory-sandbox-importance-for-investors","status":"publish","type":"post","link":"https:\/\/blog.osoolgamma.com\/ar\/regulatory-sandbox-importance-for-investors\/","title":{"rendered":"\u0645\u0627 \u0647\u064a \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 (Regulatory Sandbox) \u0648\u0645\u0627 \u0623\u0647\u0645\u064a\u062a\u0647\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646\u061f"},"content":{"rendered":"

\u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/span><\/span>(FinTech)<\/span>\u060c \u062a\u062a\u0633\u0627\u0631\u0639 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631\u0627\u062a \u0628\u0648\u062a\u064a\u0631\u0629 \u062a\u0633\u0628\u0642 \u0623\u062d\u064a\u0627\u0646\u064b\u0627 \u0642\u062f\u0631\u0629 \u0627\u0644\u0633\u0648\u0642 \u0639\u0644\u0649 \u0627\u0644\u062a\u0645\u064a\u064a\u0632 \u0628\u064a\u0646 \u201c\u0627\u0644\u0641\u0643\u0631\u0629 \u0627\u0644\u0644\u0627\u0645\u0639\u0629\u201d \u0648\u201c\u0627\u0644\u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0642\u0627\u0628\u0644 \u0644\u0644\u062a\u0634\u063a\u064a\u0644 \u0628\u062b\u0642\u0629\u201d<\/span><\/span>. <\/span>\u0644\u0630\u0644\u0643 \u0638\u0647\u0631\u062a \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 <\/span><\/span>(Regulatory Sandbox) <\/span>\u0643\u062d\u0644 \u0639\u0645\u0644\u064a \u064a\u0648\u0627\u0632\u0646 \u0628\u064a\u0646 \u062a\u0634\u062c\u064a\u0639 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0648\u0628\u064a\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646<\/span><\/span>.<\/span><\/p>\n

\u0628\u062d\u0633\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u0635\u0627\u062f\u0631\u0629 \u0639\u0646 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a <\/span><\/span>(SAMA)<\/span>\u060c \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0647\u064a \u0625\u0637\u0627\u0631 \u064a\u0633\u0645\u062d \u0628\u0627\u062e\u062a\u0628\u0627\u0631 \u0646\u0645\u0627\u0630\u062c \u0623\u0639\u0645\u0627\u0644 \u0623\u0648 \u0645\u0646\u062a\u062c\u0627\u062a \u0623\u0648 \u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0641\u064a \u0628\u064a\u0626\u0629 \u062d\u064a\u0629 \u0648\u0644\u0643\u0646 \u0636\u0645\u0646 \u062d\u062f\u0648\u062f \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629 \u0645\u0633\u0628\u0642\u064b\u0627 <\/span><\/span>(<\/span>\u0645\u062b\u0644 \u0646\u0637\u0627\u0642 \u0627\u0644\u062e\u062f\u0645\u0629\u060c \u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u0621\u060c \u0623\u0648 \u0623\u062d\u062c\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/span><\/span>). <\/span>\u0648\u064a\u0628\u0631\u0632 \u062f\u0648\u0631\u0647\u0627 \u062e\u0635\u0648\u0635\u064b\u0627 <\/span><\/span>\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0627\u0644\u062d\u0644\u0648\u0644 \u063a\u064a\u0631 \u0645\u0634\u0645\u0648\u0644\u0629 \u062d\u0627\u0644\u064a\u064b\u0627 \u0628\u0625\u0637\u0627\u0631 \u062a\u0646\u0638\u064a\u0645\u064a \u0642\u0627\u0626\u0645 \u0623\u0648 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u062a\u0631\u062e\u064a\u0635 \u0645\u0637\u0628\u0642\u0629<\/span><\/span>.<\/span><\/p>\n

\u0628\u0639\u0628\u0627\u0631\u0629 \u0648\u0627\u062d\u062f\u0629 \u0648\u0627\u0636\u062d\u0629<\/span><\/span>:
\n<\/span>\u0627\u062e\u062a\u0628\u0627\u0631 \u0648\u0627\u0642\u0639\u064a \u0636\u0645\u0646 \u0636\u0648\u0627\u0628\u0637 \u0648\u0627\u0636\u062d\u0629\u2026 \u0628\u062f\u0644 \u0625\u0637\u0644\u0627\u0642 \u0639\u0634\u0648\u0627\u0626\u064a \u062b\u0645 \u0625\u0635\u0644\u0627\u062d \u0645\u062a\u0623\u062e\u0631<\/span><\/span>.<\/span><\/p>\n

\u0645\u0627 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0648\u0641\u0642 <\/span><\/span>SAMA<\/span>\u061f<\/span><\/span><\/h2>\n

\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0644\u064a\u0633\u062a \u201c\u062d\u0645\u0644\u0629 \u0639\u0644\u0627\u0642\u0627\u062a \u0639\u0627\u0645\u0629\u201d\u060c \u0648\u0644\u064a\u0633\u062a \u0628\u062f\u064a\u0644\u064b\u0627 \u0639\u0646 \u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0623\u0648 \u0627\u0644\u062a\u0631\u062e\u064a\u0635<\/span><\/span>. <\/span>\u0625\u0646\u0647\u0627 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0646\u0638\u0645 \u064a\u062a\u064a\u062d \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u062d\u0644 \u0627\u0644\u0645\u0627\u0644\u064a \u0641\u064a \u0633\u0648\u0642 \u062d\u0642\u064a\u0642\u064a \u0648\u0644\u0643\u0646 \u0628\u0633\u0642\u0641 \u0648\u0627\u0636\u062d \u0645\u0646 \u0627\u0644\u0636\u0648\u0627\u0628\u0637 \u0648\u0627\u0644\u0645\u0639\u0627\u064a\u064a\u0631<\/span><\/span>.<\/span><\/p>\n

\u0648\u0647\u0630\u0627 \u0627\u0644\u0633\u0642\u0641 \u0644\u064a\u0633 \u062a\u0641\u0635\u064a\u0644\u0627\u064b \u062b\u0627\u0646\u0648\u064a\u064b\u0627\u061b \u0628\u0644 \u0647\u0648 \u062c\u0648\u0647\u0631 \u0627\u0644\u0641\u0643\u0631\u0629<\/span><\/span>: <\/span>\u0644\u0623\u0646 \u0648\u062c\u0648\u062f \u062d\u062f\u0648\u062f \u0639\u0644\u0649 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u064a\u062c\u0639\u0644 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0642\u0627\u0628\u0644\u0627\u064b \u0644\u0644\u0642\u064a\u0627\u0633 \u0648\u0627\u0644\u0645\u062a\u0627\u0628\u0639\u0629 \u0648\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631<\/span><\/span>.<\/span><\/p>\n

\u0648\u0645\u0646 \u0627\u0644\u0646\u0642\u0627\u0637 \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 <\/span><\/span>SAMA <\/span>\u0623\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0645\u0648\u062c\u0647\u0629 \u0644\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u063a\u0637\u064a\u0647\u0627 \u062a\u0646\u0638\u064a\u0645 \u0642\u0627\u0626\u0645\u060c \u0628\u064a\u0646\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u0645\u0633\u0627\u0631 \u062a\u0631\u062e\u064a\u0635 \u0648\u0627\u0636\u062d \u0644\u0646\u0634\u0627\u0637 \u0645\u0639\u064a\u0646 \u0641\u0625\u0646 \u0627\u0644\u0627\u0646\u0636\u0645\u0627\u0645 \u0644\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0647\u0648 \u0627\u0644\u0645\u0633\u0627\u0631 \u0627\u0644\u0645\u0646\u0627\u0633\u0628<\/span><\/span>.<\/span><\/p>\n

\u0644\u0645\u0627\u0630\u0627 \u0623\u0637\u0644\u0642 <\/span><\/span>SAMA <\/span>\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629\u061f<\/span><\/span><\/h2>\n

\u062a\u0648\u0636\u062d \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u062f\u0641\u064a\u0646 \u0639\u0645\u0644\u064a\u064a\u0646 \u064a\u0647\u0645\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0642\u0628\u0644 \u0623\u064a \u0634\u062e\u0635<\/span><\/span>:<\/span><\/p>\n

1) <\/span>\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a \u0636\u0645\u0646 \u0625\u0637\u0627\u0631 \u0645\u0646\u0636\u0628\u0637<\/span><\/span><\/span><\/h3>\n

\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u062a\u062a\u064a\u062d \u062a\u062c\u0631\u0628\u0629 \u0646\u0645\u0627\u0630\u062c \u0648\u062e\u062f\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0648\u063a\u064a\u0631 \u0645\u063a\u0637\u0627\u0629 \u0628\u062a\u0646\u0638\u064a\u0645 \u0642\u0627\u0626\u0645\u060c \u0628\u0645\u0627 \u064a\u062f\u0639\u0645 \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0633\u0648\u0642 \u0648\u064a\u0641\u062a\u062d \u0627\u0644\u0628\u0627\u0628 \u0644\u062d\u0644\u0648\u0644 \u0623\u0643\u062b\u0631 \u062a\u0642\u062f\u0645\u064b\u0627<\/span><\/span>.<\/span><\/p>\n

2) <\/span>\u0641\u0647\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0625\u062f\u0627\u0631\u062a\u0647\u0627 \u0645\u0628\u0643\u0631\u064b\u0627<\/span><\/span><\/span><\/h3>\n

\u0627\u0644\u0647\u062f\u0641 \u0644\u0627 \u064a\u0642\u062a\u0635\u0631 \u0639\u0644\u0649 \u201c\u0627\u0644\u0633\u0645\u0627\u062d \u0628\u0627\u0644\u062a\u062c\u0631\u0628\u0629\u201d\u060c \u0628\u0644 \u064a\u062a\u0636\u0645\u0646 \u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u062c\u0647\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u0645\u0646 \u0645\u0631\u0627\u0642\u0628\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0627\u0644\u0646\u0645\u0627\u0630\u062c \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0642\u0628\u0644 \u0627\u0644\u0625\u0637\u0644\u0627\u0642 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0643\u0627\u0645\u0644<\/span><\/span>.<\/span><\/p>\n

\u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0637\u0629 \u062a\u062d\u062f\u064a\u062f\u064b\u0627 \u0647\u064a \u0627\u0644\u062a\u064a \u062a\u062c\u0639\u0644 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0630\u0627\u062a \u0642\u064a\u0645\u0629 \u0639\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631<\/span><\/span>: <\/span>\u0644\u0623\u0646\u0647\u0627 \u062a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0623\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0644\u0627 \u064a\u062a\u062d\u0631\u0643 \u0641\u064a \u0641\u0631\u0627\u063a\u060c \u0628\u0644 \u0636\u0645\u0646 \u0625\u0637\u0627\u0631 \u0642\u0627\u0628\u0644 \u0644\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0648\u0627\u0644\u062a\u062d\u0633\u064a\u0646<\/span><\/span>.<\/span><\/p>\n

\u0645\u0627 \u0623\u0647\u0645\u064a\u0629 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646\u061f<\/span><\/span><\/h2>\n

\u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0644\u0627 \u062a\u0639\u0646\u064a \u0636\u0645\u0627\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\u060c \u0648\u0644\u0627 \u062a\u0644\u063a\u064a \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a\u0629<\/span><\/span>. <\/span>\u0644\u0643\u0646\u0647\u0627 \u062a\u0639\u0646\u064a \u0634\u064a\u0626\u064b\u0627 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629<\/span><\/span>: <\/span>\u0623\u0646 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u064a\u064f\u062e\u062a\u0628\u0631 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639 \u0636\u0645\u0646 \u0642\u0648\u0627\u0639\u062f<\/span><\/span>. <\/span>\u0648\u0647\u0630\u0627 \u064a\u0646\u0639\u0643\u0633 \u0639\u0644\u0649 \u062b\u0644\u0627\u062b\u0629 \u0645\u0633\u062a\u0648\u064a\u0627\u062a<\/span><\/span>:<\/span><\/p>\n

1) <\/span>\u062a\u0642\u0644\u064a\u0644 \u0641\u0648\u0636\u0649 \u201c\u0627\u0644\u062a\u0648\u0633\u0639 \u0642\u0628\u0644 \u0627\u0644\u0646\u0636\u062c\u201d<\/span><\/span><\/span><\/h3>\n

\u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0636\u0645\u0646 \u062d\u062f\u0648\u062f \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u0633\u0628\u0642\u0629 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0627\u062d\u062a\u0645\u0627\u0644\u0627\u062a \u0623\u0646 \u062a\u062a\u0648\u0633\u0639 \u0627\u0644\u062e\u062f\u0645\u0629 \u0628\u0633\u0631\u0639\u0629 \u0642\u0628\u0644 \u0627\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062c\u0627\u0647\u0632\u064a\u062a\u0647\u0627 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a\u0629<\/span><\/span>. <\/span>\u0641\u0628\u062f\u0644 \u0623\u0646 \u064a\u062a\u0639\u0644\u0645 \u0627\u0644\u0633\u0648\u0642 \u0645\u0646 \u0623\u062e\u0637\u0627\u0621 \u0645\u0643\u0644\u0641\u0629\u060c \u064a\u062a\u0645 \u0636\u0628\u0637 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0646\u0630 \u0627\u0644\u0628\u062f\u0627\u064a\u0629<\/span><\/span>.<\/span><\/p>\n

2) <\/span>\u0642\u064a\u0627\u0633 \u0627\u0644\u0646\u062c\u0627\u062d \u0628\u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0634\u063a\u064a\u0644 \u062d\u0642\u064a\u0642\u064a\u0629<\/span><\/span><\/span><\/h3>\n

\u062a\u0634\u064a\u0631 \u0648\u062b\u064a\u0642\u0629 <\/span><\/span>SAMA <\/span>\u0625\u0644\u0649 \u0623\u0646 \u0645\u0646 \u0639\u0646\u0627\u0635\u0631 \u0642\u064a\u0627\u0633 \u0627\u0644\u0646\u062c\u0627\u062d \u062e\u0644\u0627\u0644 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0627 \u064a\u0631\u062a\u0628\u0637 \u0628\u0640 \u0631\u0636\u0627 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u0648\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629 <\/span><\/span>(resilience) <\/span>\u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 <\/span><\/span>(scalability).<\/span><\/p>\n

\u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0644\u0627 \u064a\u064f\u0642\u064a\u0651\u0645 \u0639\u0644\u0649 \u201c\u0627\u0644\u0641\u0643\u0631\u0629\u201d \u0641\u0642\u0637\u060c \u0628\u0644 \u0639\u0644\u0649 \u0642\u062f\u0631\u062a\u0647 \u0627\u0644\u0641\u0639\u0644\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644 \u0628\u062b\u0628\u0627\u062a \u0648\u062a\u0642\u062f\u064a\u0645 \u062a\u062c\u0631\u0628\u0629 \u0645\u0648\u062b\u0648\u0642\u0629<\/span><\/span>.<\/span><\/p>\n

3) <\/span>\u0625\u0634\u0627\u0631\u0627\u062a \u0623\u0648\u0636\u062d \u0639\u0646 \u0627\u0644\u0627\u0646\u0636\u0628\u0627\u0637 \u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/span><\/span><\/span><\/h3>\n

\u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0647\u0646\u0627\u0643 \u0627\u062e\u062a\u0628\u0627\u0631 \u0631\u0633\u0645\u064a \u0641\u064a \u0628\u064a\u0626\u0629 \u062d\u064a\u0629 \u0636\u0645\u0646 \u0636\u0648\u0627\u0628\u0637\u060c \u0641\u0647\u0630\u0627 \u064a\u0631\u0641\u0639 \u0645\u0639\u064a\u0627\u0631 \u0627\u0644\u0627\u0646\u0636\u0628\u0627\u0637 \u0627\u0644\u062a\u0634\u063a\u064a\u0644\u064a \u0648\u064a\u064f\u062d\u0633\u0646 \u0645\u0646 \u0648\u0636\u0648\u062d \u0627\u0644\u0646\u0645\u0648\u0630\u062c<\/span><\/span>. <\/span>\u0648\u0645\u0639 \u0623\u0646 \u0630\u0644\u0643 \u0644\u0627 \u064a\u0633\u0627\u0648\u064a <\/span><\/span>\u062a\u0631\u062e\u064a\u0635\u064b\u0627 \u0646\u0647\u0627\u0626\u064a\u064b\u0627 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u064a\u0639\u0637\u064a \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0625\u0634\u0627\u0631\u0629 \u0645\u0641\u064a\u062f\u0629<\/span><\/span>: <\/span>\u0647\u0646\u0627\u0643 \u0625\u0637\u0627\u0631 \u0627\u062e\u062a\u0628\u0627\u0631 \u064a\u064f\u0642\u0627\u0633 \u0648\u064a\u064f\u0631\u0627\u062c\u0639.<\/span><\/span><\/p>\n

\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0641\u0647\u0645 \u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0636\u0645\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u0639\u0644\u0649 \u0623\u0646\u0647 \u201c\u062a\u0645\u064a\u0651\u0632\u201d\u061f<\/span><\/span><\/h2>\n

\u0643\u0644\u0645\u0629 \u201c\u0645\u0645\u064a\u0651\u0632\u201d \u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u0623\u0646 \u062a\u0643\u0648\u0646 \u062f\u064a\u0643\u0648\u0631\u064b\u0627 \u062a\u0633\u0648\u064a\u0642\u064a\u064b\u0627<\/span><\/span>. <\/span>\u0639\u0645\u0644\u064a\u064b\u0627\u060c \u0648\u062c\u0648\u062f \u0645\u0634\u0631\u0648\u0639 \u0623\u0648 \u0634\u0631\u0643\u0629 \u0636\u0645\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u064a\u0648\u062d\u064a \u0628\u062b\u0644\u0627\u062b\u0629 \u0645\u0639\u0627\u0646\u064d \u0645\u0641\u0647\u0648\u0645\u0629 \u0645\u0646 \u0637\u0628\u064a\u0639\u0629 \u0627\u0644\u0628\u0631\u0646\u0627\u0645\u062c \u0643\u0645\u0627 \u0634\u0631\u062d\u0647 <\/span><\/span>SAMA:<\/span><\/p>\n

    \n
  • \u062d\u0644 \u0645\u0628\u062a\u0643\u0631 \u0648\u063a\u064a\u0631 \u0645\u063a\u0637\u0649 \u0628\u062a\u0646\u0638\u064a\u0645 \u0642\u0627\u0626\u0645: \u0623\u064a \u0623\u0646\u0647 \u0644\u064a\u0633 \u062a\u0643\u0631\u0627\u0631\u064b\u0627 \u0644\u062e\u062f\u0645\u0629 \u062a\u0642\u0644\u064a\u062f\u064a\u0629\u061b \u0628\u0644 \u0646\u0645\u0648\u0630\u062c \u062c\u062f\u064a\u062f \u064a\u062d\u062a\u0627\u062c \u0627\u062e\u062a\u0628\u0627\u0631\u064b\u0627 \u0645\u0646\u0638\u0645\u064b\u0627.<\/span><\/span>
    \n<\/span><\/li>\n
  • \u0642\u0627\u0628\u0644 \u0644\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0641\u064a \u0628\u064a\u0626\u0629 \u062d\u064a\u0629 \u0636\u0645\u0646 \u062d\u062f\u0648\u062f \u0648\u0627\u0636\u062d\u0629<\/span><\/span>: <\/span>\u0645\u0627 \u064a\u0639\u0646\u064a \u0623\u0646 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u064a\u062a\u0645 \u062a\u062d\u062a \u0642\u064a\u0648\u062f \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u0633\u0628\u0642\u0629\u060c \u0644\u0627 \u0639\u0628\u0631 \u0625\u0637\u0644\u0627\u0642 \u0645\u0641\u062a\u0648\u062d \u063a\u064a\u0631 \u0645\u0646\u0636\u0628\u0637<\/span><\/span>.<\/span><\/li>\n
  • \u064a\u062a\u062c\u0647 \u0646\u062d\u0648 \u0646\u0636\u062c \u062a\u0634\u063a\u064a\u0644\u064a \u0642\u0627\u0628\u0644 \u0644\u0644\u0642\u064a\u0627\u0633<\/span><\/span>: <\/span>\u0644\u0623\u0646 \u0627\u0644\u0646\u062c\u0627\u062d \u064a\u062a\u0635\u0644 \u0628\u0645\u0624\u0634\u0631\u0627\u062a \u062a\u0634\u063a\u064a\u0644\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0631\u0636\u0627 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645<\/span><\/span>.<\/span><\/li>\n<\/ul>\n

    \u0648\u0628\u0627\u0644\u062a\u0627\u0644\u064a\u060c \u0639\u0646\u062f\u0645\u0627 \u062a\u0633\u0645\u0639 \u201c<\/span><\/span>Regulatory Sandbox\u201d<\/span>\u060c \u0641\u0627\u0644\u0623\u0642\u0631\u0628 \u0644\u0644\u0641\u0647\u0645 \u0627\u0644\u0648\u0627\u0642\u0639\u064a \u0647\u0648<\/span><\/span>:
    \n<\/span>\u0647\u0630\u0627 \u0646\u0645\u0648\u0630\u062c \u064a\u064f\u062e\u062a\u0628\u0631 \u0648\u064a\u064f\u0642\u0627\u0633 \u0636\u0645\u0646 \u0625\u0637\u0627\u0631 \u0631\u0633\u0645\u064a\u060c \u0648\u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u0641\u0643\u0631\u0629 \u062a\u064f\u0633\u0648\u0651\u0642 \u0642\u0628\u0644 \u0646\u0636\u062c\u0647\u0627<\/span><\/span>.<\/span><\/p>\n

    \u0647\u0644 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u062a\u0639\u0646\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u064a\u0629 \u0645\u0628\u0627\u0634\u0631\u0629\u061f<\/span><\/span><\/h2>\n

    \u062a\u0648\u062b\u0651\u0642 <\/span><\/span>SAMA <\/span>\u0646\u0642\u0637\u0629 \u0645\u0647\u0645\u0629 \u062a\u062e\u0635 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0642\u0628\u0644 \u0627\u0644\u062a\u0635\u0631\u064a\u062d<\/span><\/span>: <\/span>\u064a\u0645\u0643\u0646 \u0625\u062c\u0631\u0627\u0621 \u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a \u0641\u064a \u0628\u064a\u0626\u0627\u062a \u062a\u0637\u0648\u064a\u0631 \u0648\u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0648\u0647\u0645\u064a\u0629 <\/span><\/span>(dummy data)<\/span>\u060c \u0644\u0643\u0646 \u0644\u0627 \u064a\u064f\u0633\u0645\u062d \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u062d\u064a\u0629 \u0623\u0648 \u0628\u064a\u0626\u0629 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u062f\u0648\u0646 \u062a\u0635\u0631\u064a\u062d \u0645\u0646\u0627\u0633\u0628<\/span><\/span>.<\/span><\/p>\n

    \u0647\u0630\u0647 \u0627\u0644\u0646\u0642\u0637\u0629 \u0645\u0647\u0645\u0629 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631 \u0644\u0623\u0646\u0647\u0627 \u062a\u0639\u0643\u0633 \u0648\u062c\u0648\u062f \u062d\u062f\u0648\u062f \u0648\u0627\u0636\u062d\u0629 \u0644\u0645\u0631\u0627\u062d\u0644 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0648\u062f\u0631\u062c\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u0629<\/span><\/span>.<\/span><\/p>\n

    \u0647\u0644 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u062d \u064a\u0639\u0646\u064a \u062a\u0631\u062e\u064a\u0635\u064b\u0627 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627\u061f<\/span><\/span><\/h2>\n

    \u0644\u0627<\/span><\/span>. <\/span>\u0648\u0647\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0648\u0627\u0636\u062d\u064b\u0627 \u062d\u0641\u0627\u0638\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0641\u0647\u0645 \u0627\u0644\u0635\u062d\u064a\u062d<\/span><\/span>. <\/span>\u062a\u0624\u0643\u062f \u0648\u062b\u064a\u0642\u0629 <\/span><\/span>SAMA <\/span>\u0623\u0646 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0646\u0627\u062c\u062d \u0644\u0627 \u064a\u0639\u0646\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u062a\u0644\u0642\u0627\u0626\u064a\u064b\u0627 \u0639\u0644\u0649 \u062a\u0631\u062e\u064a\u0635 \u0643\u0627\u0645\u0644\u060c \u0648\u0623\u0646 \u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u064a\u062a\u0637\u0644\u0628 \u0627\u0633\u062a\u064a\u0641\u0627\u0621 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u062d\u062f\u062f\u0629 \u0648\u0627\u0644\u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u0631\u0633\u0645\u064a \u062b\u0645 \u0627\u0644\u062a\u0642\u064a\u064a\u0645 \u0648\u0641\u0642 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/span><\/span>.<\/span><\/p>\n

    \u0643\u0645\u0627 \u062a\u0634\u064a\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u062a\u0643\u0648\u0646 \u0639\u0627\u062f\u0629 \u0636\u0645\u0646 \u0646\u0637\u0627\u0642 \u0632\u0645\u0646\u064a \u064a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 <\/span><\/span>6 <\/span>\u0625\u0644\u0649 <\/span><\/span>12 <\/span>\u0634\u0647\u0631\u064b\u0627<\/span><\/span><\/p>\n

    \u0623\u064a\u0646 \u062a\u0642\u0639 \u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u0627 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u061f<\/span><\/span><\/h2>\n

    \u0636\u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0625\u0637\u0627\u0631\u060c \u062a\u0641\u062e\u0631 \u0623\u0635\u0648\u0644 \u062c\u0627\u0645\u0627 \u0628\u0623\u0646\u0646\u0627 \u0645\u0646 \u0623\u0648\u0627\u0626\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0627\u0631\u0629 \u0636\u0645\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629\u2014\u0648\u0630\u0644\u0643 \u0627\u0646\u0633\u062c\u0627\u0645\u064b\u0627 \u0645\u0639 \u0631\u0624\u064a\u062a\u0646\u0627 \u0641\u064a \u062a\u0642\u062f\u064a\u0645 \u062a\u062c\u0631\u0628\u0629 \u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0623\u0643\u062b\u0631 \u0648\u0636\u0648\u062d\u064b\u0627 \u0648\u0627\u0646\u0636\u0628\u0627\u0637\u064b\u0627\u060c \u062d\u064a\u062b \u062a\u064f\u0628\u0646\u0649 \u0627\u0644\u062b\u0642\u0629 \u0639\u0628\u0631 \u0646\u0645\u0648\u0630\u062c \u0642\u0627\u0628\u0644 \u0644\u0644\u0642\u064a\u0627\u0633\u060c \u0644\u0627 \u0639\u0628\u0631 \u0627\u0644\u0648\u0639\u0648\u062f<\/span><\/span>.<\/span><\/p>\n

    (<\/span>\u0645\u0639 \u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0623\u0646 \u0648\u062c\u0648\u062f \u0627\u0644\u0634\u0631\u0643\u0629 \u0636\u0645\u0646 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 \u064a\u064f\u0641\u0647\u0645 \u0643\u062c\u0632\u0621 \u0645\u0646 \u0645\u0633\u0627\u0631 \u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0646\u0638\u0645\u060c \u0648\u0644\u064a\u0633 \u0627\u062f\u0639\u0627\u0621\u064b \u0628\u0627\u0644\u062a\u0631\u062e\u064a\u0635 \u0627\u0644\u062a\u0644\u0642\u0627\u0626\u064a \u0623\u0648 \u0636\u0645\u0627\u0646 \u0627\u0644\u0639\u0648\u0627\u0626\u062f<\/span><\/span>).<\/span><\/p>\n

    \u0627\u0644\u062e\u0644\u0627\u0635\u0629<\/span><\/span><\/h2>\n

    \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 <\/span><\/span>(Regulatory Sandbox) <\/span>\u0644\u062f\u0649 <\/span><\/span>SAMA <\/span>\u0647\u064a \u0625\u0637\u0627\u0631 \u064a\u0633\u0645\u062d \u0628\u0627\u062e\u062a\u0628\u0627\u0631 \u062d\u0644\u0648\u0644 \u0645\u0627\u0644\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0641\u064a \u0628\u064a\u0626\u0629 \u062d\u064a\u0629 \u0636\u0645\u0646 \u062d\u062f\u0648\u062f \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0645\u062d\u062f\u062f\u0629\u060c \u0648\u064a\u0633\u062a\u0647\u062f\u0641 \u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631 \u0645\u0639 \u0645\u0631\u0627\u0642\u0628\u0629 \u0648\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0642\u0628\u0644 \u0627\u0644\u062a\u0648\u0633\u0639 \u0627\u0644\u062a\u062c\u0627\u0631\u064a<\/span><\/span>.<\/span><\/p>\n

    \u0623\u0645\u0627 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u060c \u0641\u0647\u064a \u0644\u064a\u0633\u062a \u201c\u0636\u0645\u0627\u0646\u064b\u0627\u201d\u060c \u0644\u0643\u0646\u0647\u0627 \u0645\u0624\u0634\u0631 \u0645\u0647\u0645 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u064a\u0633\u064a\u0631 \u0636\u0645\u0646 \u0627\u062e\u062a\u0628\u0627\u0631 \u0648\u0627\u0642\u0639\u064a \u0645\u0646\u0636\u0628\u0637 \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u062a\u0634\u063a\u064a\u0644 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0642\u064a\u0627\u0633 \u0645\u062b\u0644 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0648\u0627\u0644\u0645\u0631\u0648\u0646\u0629 \u0648\u0642\u0627\u0628\u0644\u064a\u0629 \u0627\u0644\u062a\u0648\u0633\u0639 \u0648\u0631\u0636\u0627 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645<\/span><\/span>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    \u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0645\u0639\u0646\u0649 \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u062c\u0631\u064a\u0628\u064a\u0629 (Regulatory Sandbox) \u0644\u062f\u0649 SAMA\u060c \u0648\u0644\u0645\u0627\u0630\u0627 \u062a\u0639\u062f \u0645\u0624\u0634\u0631\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0627\u0646\u0636\u0628\u0627\u0637 \u0648\u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0648\u0627\u0642\u0639\u064a \u0644\u0644\u0645\u0634\u0627\u0631\u064a\u0639\u060c \u0648\u0645\u0627 \u0627\u0644\u0630\u064a \u062a\u0639\u0646\u064a\u0647 \u0644\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646<\/p>\n","protected":false},"author":1,"featured_media":10042,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[249],"tags":[],"tmauthors":[97],"class_list":{"0":"post-12116","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-249"},"_links":{"self":[{"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/posts\/12116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/comments?post=12116"}],"version-history":[{"count":5,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/posts\/12116\/revisions"}],"predecessor-version":[{"id":12943,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/posts\/12116\/revisions\/12943"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/media\/10042"}],"wp:attachment":[{"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/media?parent=12116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/categories?post=12116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/tags?post=12116"},{"taxonomy":"tmauthors","embeddable":true,"href":"https:\/\/blog.osoolgamma.com\/ar\/wp-json\/wp\/v2\/tmauthors?post=12116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}