Hayastany anhpum QR vtcharumneri volortum taracashrjani arajatarneric e։ Mer erkrum QR vtcharumnery nerdrvel en derevs 2016 tvakanin: QR vtcharumneri nerkayis iravitchaki ev volorti hetaga zargacman masin zrucel enq Idram ynkerutyan tnoren Arsen Qdenyani het։

- Idram ynkerutyuny Hayastanum QR vtcharumneri nerdrman arajamartikn e։ 2016-ic minchev hima, yndameny mi qani tarum vtcharumneri ays eghanaky sheshtaki atch e grancel u sharunakum e gnalov aveli massayakan bnuyt stanal։ I'nchn e drdum mardkanc vtcharel QR-ov։

-Chnayac arajin QR-vtcharumnery katarvel en 2016-in, Idramy sksel e aktivoren zargacnel QR-entakarucvacqy 2019-ic, ev yndameny 5 tarum aysor arden unenq annaxadep ardyunq։ Haryurhazaravor qaghaqaciner irenc ankanxik vtcharumnery katarum en Idram QR-i mijocov, HH taracqum aveli qan 22000 vatcharaketerum kareli e vtcharel Idram QR-ov, ynd vorum, ayd bolor vatcharaketerum hasaneli e IDBank-i het steghcvac arajin BNPL-y (gnir hima, vtcharir heto): Rocket Line tvayin apariky, voric 10,000 keterum gorcum e Rocket Line 0% tarberaky 1-12 amis antokos vtcharman tchkun grafikov։

Ete vitchakagrutyan tverov xosenq, apa miayn 2024 tvakani 9 amisneri yntacqum QR vtcharumneric ogtvel e shurj 200000: Idrami ogtater, isk gorcarqneri qanaky shurj 4 mln e։

Ays tvery xosum en ayn masin, vor QR vtcharumneri nkatmamb hetaqrqrutyuny gnalov aveli e mecanum, isk vatcharaketery shahagrgrvac en unenal QR vtcharum yndunelu hnaravorutyun, qani vor da voch miayn harmaravetutyun e talis irenc gnordin, ayl naev zhamanakakic gorciqneri, ayd tvum: Rocket Line-i shnorhiv npastum e vatcharqneri atchin։

- Aysor aveli u aveli hatchax enq lsum «Idramy bolori hamar e» artahaytutyuny․ nkati uneq: te ogtatereri, te vatchaketeri hamar։

-Idramy bolori hamar e artahaytutyuny mi qani aspektov kareli e ditarkel, orinak: yst tariqi։ Yndhanrapes: Idramy naxatesvac e chaphahas qaghaqacineri hamar, bayc arden erku tari e, inch gorcarkel enq Idram Junior-y: Hayastanum arajin finansakan havelvacy erexaneri hamar u sharunakum enq zargacnel ayn: npastelu erexaneri finansakan krtutyany։ Verjers, orinak, Idram Junior-um «Koriz» krtakan mrcuyti het hamategh gorcarkel enq Junius xaghy։ Erexanery xaghum en ev giteliqner dzerq berum finansneri ev teghekatvakan anvtangutyan masin։

Stacvum e, vor ankax tariqic, ayo, Idram karogh en ogtagorcel bolory, ev chaphahas mardik, ev anchaphahasnery։

Ete ditarkenq gnumneri ev vtcharumneri hartakneri tesankyunic, apa ir ogtater-hatchaxordnerin Idramn arajarkum e 500+ carayutyunner havelvacum, 1000-ic aveli arcanc kayqerum ev xanutnerum arcanc vtcharman hnaravorutyun, inchpes arden nsheci: naev 22,000 vatcharaketerum QR vtcharumner katarelu tarber akcianeri, loyalutyan cragreri shrjanakum verjers gorcarkvac idcoin-ner kutakelu hnaravorutyun։

Ete ditarkenq B2B tesankyunic, apa vatcharaketerin, carayutyun matucoghnerin, arcanc kayqerin ev xanutnerin Idramy tramadrum e vtcharayin ev loyalutyan gorciqner: harmar, akntartayin ev tvayin aparikov vatcharqner irakanacnelu hamar։ Masnavorapes: vatcharaketery karogh en bonusner tramadrel irenc bolor kam miayn havatarim hatchaxordnerin, tvayin nver-qarteri vatcharel ev dranq arden nver stacac andzancic vorpes vtcharum yndunel։ Ynd vorum, ev loyalutyan miavornery, ev tvayin nver qartery Idrami ogtater-hatchaxordy tesnum ev ogtagorcum e anmijapes Idram&IDBank havelvacum։

Ete yndhanracnenq, apa aystegh evs Idramy bolori hamar e, aysinqn: bolor hnaravor hartaknerum gnumner ev vtcharumner anoghneri hamar։

Bayc menq chenq sahmanaphakvum arden isk steghcvac ev ir gorcunakutyunn apacucac hamakargov։ Menq karcum enq, vor Hayastanum anhpum QR vtcharumnery shat aveli mec potencial unen ev arden dzernarkel enq qayler volorti: el aveli layn taphov zarganalun npastelu ughghutyamb։ Xosqy nor hnaravorutyan masin e, erb mer gorcynker finansakan kazmakerputyunneri: bankeri, vtcharahashvarkayin kazmakerputyunneri ogtaterery, irenc isk banki kam vtcharahashvarkayin ynkerutyan havelvacneri mijocov kkaroghanan vtcharum katarel: sqanavorelov Idrami QR-y veronshyal vatcharaketeric voreve mekum։ Sranov «Idramy bolori hamar e» artahaytutyunn el aveli e yndgcvum ev imastavorvum։

- Nshanakum e ardyoq, vor orinak bankeric meki hatchaxordy ir banki havelvacov kkaroghana vtcharel: sqanavorelov Idrami QR-y։ Ete ayo, apa vorn e npataky, inch e talis da hatchaxordnerin ev inch e talis Dzer gorcynker finansakan kazmakerputyunnerin։

-Inchpes arden nsheci:, ayn finansakan kazmakerputyunnery, voronq kintegrven mer hamakargin, irenc hatchaxordnerin hnaravorutyun ktan vatcharaketerum katarel vtcharum henc irenc bjjayin havelvacnerov: sqanavorelov Idrami QR-y։

Ekeq ditarkenq ays hnaravorutyuny te hatchaxordneri, te mer gorcynker finansakan kazmakerputyunneri tesankyunic;

Hatchaxordy stanum e hnaravorutyun vtcharelu aveli qan 22,000 vatcharaketerum: aranc lracucich havelvaci nerbernman, aysinqn hatchaxordy sharunakum e ogtvel ir banki mobayl bankingic ev vtcharman zhamanak vorpes vtcharman aghbyur karoghanum e yntrel tvyal bankum unecac ir bankayin hashivneric cankacacy, inchy hnaravorutyun e yndzerum te tvyal bankin, te banki hatchaxordnerin unenal evs mek ankax vtcharayin gorciq arorya ankanxik vtcharumner katarelu hamar։

Nshem, vor menq texnikapes liovin patrast enq sksel hamagorcakcutyuny․ mi qani finansakan kazmakerputyun arden isk miacel e mez, integrvel en ev testavorman phulum enq, mi qanisi het haraberutyunnery paymanagrayin phulum en, myusnery: banakcayin։ Aysinqn shat shutov mi qani finansakan gorcynkerneri het carayutyuny kgorcarkenq irakan mijavayrum ev kspasenq nor gorcynkerneri, vorovhetev: ayo, Idramy bolori hamar e (xmb․ zhptum e)։

- Ardyoq ka nman motecum hamashxarhayin praktikayum ev inchpes e naxagicn iragorcvelu texnikakan tesankyunic։ Arajin hayacqic bavakanin bard proyekt e tvum։

-Havanabar teghyak eq, hatkapes Hndkastanum, Chinastanum ev Braziliayum shat arag temperov zarganum en QR vtcharumnery, yuraqanchyur erkri nersum arden dzevavorvac ev nerdrvac e yndhanur kam phoxgorceli QR entakarucvacq, aysinqn erkri nersum kam mek, kam mi qani himnakan hamakargeri koghmic nerdrvel e yndhanrakan QR-ov vtcharumneri standart ev amboghj shukan arden ogtvum e ayd nerqin standartneric։ Ete vercnenq Hndkastani orinaky, apa ayntegh nerdrvac e UPI (Unified payment interface) standarty ev hndkakan 65 tarber banker ev fintex ynkerutyunneri bjjayin havelvacner ashxatum en nuyn standartov, Chinastanum erku texnologiakan hskaner WeChat-y ev AliPay dzevavorel en irenc standarty ev amboghj Chinastani fintex hamakargy ashxatum e ayd standartov, Braziliayum QR-ov vtcharumneri standarty nerdrvel e Pix-i koghmic, vorin miacel en Brazilakan shukayi masnakicnery։ Texnikapes ays ameny irakanacnely shat bard che, hatkapes dra phordzy unecogh masnakicneri hamar, sakayn amenamec martahravery ev himnakan dzhvarutyuny bolor masnakicneri mej yndhanur skzbunqneri, motecman ev standarti nerdrman patrastakamutyan harcn e։

Veradarnalov mer naxagcin, apa menq nuynpes tarber formatnerov ev hartaknerum ancel enq erkar qnnarkumneri ev banakcutyunneri bard phulerov shukayi masnakicneri het hamategh, vori ardyunqum hajoghvel e dzevavorel yndhanur skzbunqner ev shat shutov khaytararenq Idram QR-ic hamakargi bac ev hasaneli darnalu masin shukayi ayl masnakicneri hamar։ Arajika shabatneri yntacqum khaytararvi irakan mijavayrum Idram QR-i entakarucvacqic ogtvelu hnaravorutyan gorcarkman masin, vorin mianum en mi sharq haykakan banker ev vtcharahashvarkayin ynkerutyunner ev liahuys enq, vor mer gorcynkerneri het hamategh kkaroghananq el aveli zargacnel ev katarelagorcel hamakargy: apahovelov phoxgorceliutyun, hamakcman standartacum ev entakarucvacqi zargacman ev ogtagorcman aveli mec hnaravorutyunner։

YNKERUTYUNNERY VERAHSKVUM EN HH KB KVoGhMIC