{"id":13935,"date":"2025-07-01T02:30:55","date_gmt":"2025-07-01T02:30:55","guid":{"rendered":"https:\/\/www.hnjournal.net\/?page_id=13935"},"modified":"2025-07-01T02:30:58","modified_gmt":"2025-07-01T02:30:58","slug":"6-7-32","status":"publish","type":"page","link":"https:\/\/www.hnjournal.net\/ar\/6-7-32\/","title":{"rendered":""},"content":{"rendered":"<div class=\"journal-article\" style=\"margin-bottom: 20px;\"><h3 style='text-align: right; font-family:Simplified Arabic;'>\u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629<\/h3><p style='text-align:right; font-weight:bold; direction:rtl;'>\u0645\u0648\u062c \u0639\u0628\u0627\u0633 \u062c\u0627\u0633\u0645 \u0627\u0644\u062d\u062c\u064a\u0645\u064a<sup>1<\/sup>\u060c \u0639\u0644\u064a \u0645\u0647\u062f\u064a \u062d\u0645\u064a\u062f<sup>2<\/sup><\/p><div style='direction:rtl; text-align:right; font-size:12px; line-height:1.5;'><p><sup>1<\/sup> \u0627\u0644\u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u062c\u0646\u0648\u0628\u064a\u0629\u060c \u0627\u0644\u0643\u0644\u064a\u0629 \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u0630\u064a \u0642\u0627\u0631, \u0627\u0644\u0639\u0631\u0627\u0642. \u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: Mawjalhchaimi90@stu.edu.iq<\/p><p><sup>2<\/sup> \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0641\u0631\u0627\u062a \u0627\u0644\u0623\u0648\u0633\u0637 \u0627\u0644\u062a\u0642\u0646\u064a\u0629\u060c \u0627\u0644\u0645\u0639\u0647\u062f \u0627\u0644\u062a\u0642\u0646\u064a \u0627\u0644\u062f\u064a\u0648\u0627\u0646\u064a\u0629\u060c \u0627\u0644\u0639\u0631\u0627\u0642. \u0628\u0631\u064a\u062f \u0627\u0644\u0643\u062a\u0631\u0648\u0646\u064a: dw.ali6@atu.edu.iq<\/p><\/div><h4 style='text-align:left; direction:ltr; unicode-bidi:embed; font-family:Times New Roman;'>The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research<\/h4><p style='text-align:left; font-weight:bold; direction:ltr; margin-top:12px;'>Mouj Abbas Jasim Al-Hujaimi<sup>1<\/sup>, Ali Mahdi Hameed<sup>2<\/sup><\/p><div style='direction:ltr; text-align:left; font-size:12px; line-height:1.7; margin-bottom:10px;'><p style='margin:0 0 8px 0;'><sup>1<\/sup> Southern Technical University, Dhi Qar Technical College, Iraq.<br><span style=\"font-size:12px;\">Email:<\/span> Mawjalhchaimi90@stu.edu.iq;<\/p><p style='margin:0 0 8px 0;'><sup>2<\/sup> Al-Furat Al-Awsat Technical University, Technical Institute of Diwaniyah, Iraq.<br><span style=\"font-size:12px;\">Email:<\/span> dw.ali6@atu.edu.iq<\/p><\/div><p style='text-align:left;'><strong>DOI:<\/strong> <a href='https:\/\/doi.org\/https:\/\/doi.org\/10.53796\/hnsj67\/32' target='_blank' rel='noopener'>https:\/\/doi.org\/10.53796\/hnsj67\/32<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u0639\u0631\u0641 \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u0639\u0631\u0628\u064a \u0644\u0644\u0623\u0628\u062d\u0627\u062b:<\/strong> <a href='https:\/\/arsri.org\/10000\/67\/32' target='_blank' rel='noopener'>https:\/\/arsri.org\/10000\/67\/32<\/a><\/p><p style='text-align: right;'><strong>\u0627\u0644\u0645\u062c\u0644\u062f (6) \u0627\u0644\u0639\u062f\u062f (7). \u0627\u0644\u0635\u0641\u062d\u0627\u062a:<\/strong> 483 - 495<\/p><p style='text-align: right;'><strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0627\u0633\u062a\u0642\u0628\u0627\u0644:<\/strong> 2025-06-07 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0642\u0628\u0648\u0644:<\/strong> 2025-06-15 | <strong>\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0646\u0634\u0631:<\/strong> 2025-07-01<\/p><p><a href='\/volume6\/issue7\/6-7-32.pdf' target='_blank' rel='noopener' style='background-color:green;color:white;padding:10px 15px;text-decoration:none;border-radius:5px;'>Download PDF<\/a><\/p>\r\n<style>\r\n.hnsj-cite-btn{\r\n  display:inline-flex; 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O. J, Hameed O. M. (2025). The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research. Humanities &amp; Natural Sciences Journal, 6(7). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Chicago&quot;:&quot;Al-Hujaimi Mouj Abbas Jasim, Hameed Ali Mahdi. 2025. \\&quot;The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research.\\&quot; Humanities &amp; Natural Sciences Journal 6, no. 7. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Harvard&quot;:&quot;Al-Hujaimi M. O. J, Hameed O. M. 2025. The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research. Humanities &amp; Natural Sciences Journal. [Internet] 2025-07-01. [Cited 2026-04-25]. 6(7). Available at: https:\\\/\\\/www.hnjournal.net\\\/6-7-32\\\/. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Vancouver&quot;:&quot;Al-Hujaimi M. O. J, Hameed O. M. The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research. Humanities &amp; Natural Sciences Journal. [Internet]. 2025-07-01; 6(7). Available from: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;IEEE&quot;:&quot;Al-Hujaimi M. O. J, Hameed O. M, \\&quot;The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research,\\&quot; Humanities &amp; Natural Sciences Journal, vol. 6, no. 7, 2025. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;MLA&quot;:&quot;Al-Hujaimi Mouj Abbas Jasim, Hameed Ali Mahdi. \\&quot;The Impact of Artificial Intelligence on Securing Digital Financial Transactions: A Case Study Based on Previous Research.\\&quot; Humanities &amp; Natural Sciences Journal, vol. 6, no. 7, 2025-07-01, https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;}' data-cit-ar='{&quot;APA&quot;:&quot;\u0627\u0644\u062d\u062c\u064a\u0645\u064a \u0645. \u0639. \u062c\u060c \u062d\u0645\u064a\u062f \u0639. \u0645. (2025). \u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 6(7). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Chicago&quot;:&quot;\u0627\u0644\u062d\u062c\u064a\u0645\u064a \u0645\u0648\u062c \u0639\u0628\u0627\u0633 \u062c\u0627\u0633\u0645\u060c \u062d\u0645\u064a\u062f \u0639\u0644\u064a \u0645\u0647\u062f\u064a. 2025. \u00ab\u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c 6(7). https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Harvard&quot;:&quot;\u0627\u0644\u062d\u062c\u064a\u0645\u064a \u0645. \u0639. \u062c\u060c \u062d\u0645\u064a\u062f \u0639. \u0645. \u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. [\u0627\u0646\u062a\u0631\u0646\u062a] 2025-07-01. [\u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0648\u0635\u0648\u0644 2026-04-25]. 6(7). \u0645\u062a\u0627\u062d \u0639\u0644\u0649: https:\\\/\\\/www.hnjournal.net\\\/6-7-32\\\/. https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;Vancouver&quot;:&quot;\u0627\u0644\u062d\u062c\u064a\u0645\u064a \u0645. \u0639. \u062c\u060c \u062d\u0645\u064a\u062f \u0639. \u0645. \u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629. [\u0627\u0646\u062a\u0631\u0646\u062a]. 2025-07-01\u061b 6(7). \u0645\u062a\u0627\u062d \u0645\u0646: https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;,&quot;IEEE&quot;:&quot;\u0627\u0644\u062d\u062c\u064a\u0645\u064a \u0645. \u0639. \u062c\u060c \u062d\u0645\u064a\u062f \u0639. \u0645. \u00ab\u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 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\u0627\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629\u00bb. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0627\u0646\u0633\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0645 6\u060c \u0639 7\u060c 2025-07-01\u060c https:\\\/\\\/doi.org\\\/10.53796\\\/hnsj67\\\/32&quot;}'>\r\n    <div class='hnsj-modal-header'>\r\n    <div class='hnsj-modal-title'>Cite \/ \u0627\u0644\u0627\u0633\u062a\u0634\u0647\u0627\u062f<\/div>\r\n    <button class='hnsj-modal-close' type='button' data-hnsj-close aria-label='Close'>\u00d7<\/button>\r\n    <\/div>\r\n\r\n    <div class='hnsj-tabs'>\r\n      <button type='button' class='hnsj-tab active' data-lang='en'>English (Roman)<\/button>\r\n      <button type='button' class='hnsj-tab' data-lang='ar'>\u0627\u0644\u0639\u0631\u0628\u064a\u0629<\/button>\r\n    <\/div>\r\n\r\n    <div class='hnsj-modal-body'>\r\n      <div class='hnsj-row'>\r\n        <button type='button' class='hnsj-copy' data-hnsj-copy>Copy<\/button>\r\n        <select class='hnsj-select' data-hnsj-style><\/select>\r\n        <\/div>\r\n\r\n      <textarea class='hnsj-textarea' data-hnsj-box readonly><\/textarea>\r\n\r\n      <div class='hnsj-actions'>\r\n        <div style='display:flex; gap:10px; flex-wrap:wrap;'>\r\n          <button type='button' class='hnsj-dl' data-hnsj-dl='ris'>Download RIS<\/button>\r\n          <button type='button' class='hnsj-dl' data-hnsj-dl='bib'>Download BibTeX<\/button>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n<p style='text-align:justify; direction:rtl;'><strong>\u0627\u0644\u0645\u0633\u062a\u062e\u0644\u0635: <\/strong> \u062a\u0633\u0639\u0649 \u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629 \u0625\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0623\u062b\u0631 \u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0645\u0639 \u0627\u0644\u062a\u0631\u0643\u064a\u0632 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0627\u0644\u0645\u0631\u0643\u0632\u064a\u0629 (CBDC) \u0648\u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a (M0). \u064a\u0639\u0631\u0636 \u0627\u0644\u0628\u062d\u062b \u0646\u0645\u0648\u0630\u062c\u064b\u0627 \u0646\u0638\u0631\u064a\u064b\u0627 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0623\u0628\u0639\u0627\u062f \u064a\u0631\u0628\u0637 \u0628\u064a\u0646 \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0625\u062f\u0627\u0631\u0629 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\u062b\u0642\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646\u060c \u0645\u0639 \u0627\u0644\u0623\u062e\u0630 \u0628\u0639\u064a\u0646 \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0625\u062f\u0631\u0627\u0643 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0646\u0641\u0633\u064a\u0629 \u0648\u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0623\u0646\u0638\u0645\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629.<\/p><p style='text-align:right;'><strong>\u0627\u0644\u0643\u0644\u0645\u0627\u062a \u0627\u0644\u0645\u0641\u062a\u0627\u062d\u064a\u0629: <\/strong> \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u060c \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0627\u0644\u0623\u0645\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631\u060c \u0627\u0644\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p><p style='text-align:justify; direction:ltr;'><strong>Abstract: <\/strong> This study aims to analyze the impact of artificial intelligence (AI) technologies on securing digital financial transactions, with a focus on Central Bank Digital Currencies (CBDCs) and the replacement of traditional cash (M0). The research presents a multidimensional theoretical model linking financial transparency, risk management, blockchain technology, and user perceptions, using both quantitative and qualitative analytical tools. Seven prior studies were employed to determine AI\u2019s role in reducing risks related to security, privacy, time, psychological stress, and digital currency bubbles. Economic models such as DSGE and OLS were applied to test the relationship between AI and financial stability. The findings indicate that integrating AI in digital currency management enhances transparency, mitigates risks, and enables central banks to create a resilient and proactive financial environment. The study recommends expanding the use of AI tools to support digital currency security and improve user trust, taking into account users' psychological and social risk perceptions in designing future financial systems.<\/p><p style='direction:ltr; text-align:left;'><strong>Keywords: <\/strong> Artificial Intelligence, Digital Currencies, Financial Security, Risk Management, Financial Transparency.<\/p><\/div>\n\n\n<p style=\"text-align: justify;\"><strong>\u0627\u0644\u0645\u0642\u062f\u0645\u0629 <\/strong><\/p>\n<p style=\"text-align: justify;\">\u064a\u0642\u0648\u0644 \u062c\u0648\u0646 \u0633\u062a\u0648\u0627\u0631\u062a \u0645\u0644 John Stuart Mill <sup>*<\/sup> \u0627\u0646 &#8221; \u0627\u064a\u0629 \u0641\u0644\u0633\u0641\u0629 \u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0648 \u0646\u0645\u0648\u0630\u062c \u0645\u062a\u0642\u062f\u0645 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644 \u064a\u062a\u062d\u062f\u062f \u0648\u0641\u0642 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rowspan=\"2\">\n<p><strong>\u0627\u062e\u062a\u0628\u0627\u0631 GSADF<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p><strong>\u062a\u0645\u062f\u062f \u0627\u0644\u0631\u063a\u0648\u0629<\/strong><\/p>\n<\/td>\n<td>\n<p><strong>\u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0642\u0644\u0628<\/strong><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">\u062c\u062f\u0648\u0644 \u0631\u0642\u0645 ( 3, 1): \u0627\u0644\u0639\u0644\u0627\u0642\u0629 \u0627\u0644\u0645\u0646\u0637\u0642\u064a\u0629 \u0628\u064a\u0646 \u0645\u0635\u0627\u062f\u0631 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0639 \u0643\u0644 \u062c\u0632\u0621 \u0645\u0646 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u064a \u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a. 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justify;\">\u0628\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u064a\u0646\u0627\u062a \u0641\u0639\u0651\u0627\u0644\u0629 \u062c\u0645\u0639\u062a\u0647\u0627 \u0645\u0624\u0633\u0633\u0627\u062a \u0628\u062d\u062b\u064a\u0629 \u0635\u064a\u0646\u064a\u0629 \u0645\u0631\u0645\u0648\u0642\u0629\u060c \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 research cloud &#8220;\u0633\u062d\u0627\u0628\u0629 \u0627\u0644\u0623\u0628\u062d\u0627\u062b \u0627\u0644\u0631\u0642\u0645\u064a\u0629 100&#8243;\u060c \u0623\u064f\u062c\u0631\u064a \u0628\u062d\u062b \u062d\u0648\u0644 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u0648\u0645\u0632\u0627\u064a\u0627\u0647\u0627\u060c \u0648\u0623\u0633\u0628\u0627\u0628 \u062a\u0631\u0643\u064a\u0632 \u0627\u0644\u062f\u0648\u0644 \u0639\u0644\u0649 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style=\"text-align: justify;\">\u0627\u0644\u062c\u062f\u0648\u0644 ( 3, 2 ) : \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648 \u0627\u0644\u0625\u062f\u0631\u0627\u0643 \u0627\u0644\u0639\u0627\u0645 \u0641\u064a \u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646<\/p>\n<p style=\"text-align: justify;\">\u0633\u064a\u062a\u0645 \u062a\u062d\u0644\u064a\u0644 \u0639\u0646\u0627\u0635\u0631 \u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646 \u0648\u0641\u0642 \u0642\u0648\u0627\u0639\u062f \u0648\u0627\u0644\u064a\u0627\u062a \u0627\u0633\u062a\u0642\u0635\u0627\u0626\u064a\u0629 \u062a\u062f\u0639\u0645 \u0627\u0633\u062a\u0646\u062a\u0627\u062c \u0627\u0644\u0645\u062d\u0635\u0644\u0629 \u0645\u0646 \u0647\u0630\u0627 \u0627\u0644\u0628\u062d\u062b \u0648\u0647\u064a \u0639\u0644\u0649 \u0627\u0644\u0646\u062d\u0648 \u0627\u0644\u0627\u062a\u064a:<\/p>\n<ol style=\"text-align: justify;\">\n<li><strong>\u062f\u0645\u062c \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a\u0629 \u0648\u062f\u0648\u0631\u0647\u0627 \u0641\u064a \u062a\u062e\u0641\u064a\u0641 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u0633\u0644\u064a\u0645<\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\u0641\u064a \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u064a\u0631\u0645\u0632 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629\u060c \u0648\u064a\u0631\u0645\u0632 C \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0646\u0642\u062f\u064a\u0629\u060c \u0648\u064a\u0631\u0645\u0632 D \u0625\u0644\u0649 \u0627\u0644\u0648\u062f\u0627\u0626\u0639 \u0639\u0646\u062f \u0627\u0644\u0637\u0644\u0628\u060c \u0648\u064a\u0631\u0645\u0632 rd \u0625\u0644\u0649 \u0646\u0633\u0628\u0629 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\u0627\u0644\u0645\u062a\u063a\u064a\u0631 \u0627\u0644\u062a\u0641\u0633\u064a\u0631\u064a \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0643\u0645\u0624\u0634\u0631 \u062a\u0637\u0648\u0631 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a IF (Sandberg &amp; Lindblom, 2024:39).<\/p>\n<p style=\"text-align: justify;\">\u064a\u064f\u062c\u0631\u0649 \u062a\u0642\u064a\u064a\u0645 \u0634\u0627\u0645\u0644 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u062b\u0644\u0627\u062b\u0629 \u0645\u0624\u0634\u0631\u0627\u062a: \u0646\u0637\u0627\u0642 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 (\u0639\u062f\u062f \u062d\u0633\u0627\u0628\u0627\u062a Alipay)\u060c \u0648\u0639\u0645\u0642 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 (\u0645\u0628\u0644\u063a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0648\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u060c \u0648\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062f\u0641\u0639\u060c \u0625\u0644\u062e)\u060c \u0648\u062f\u0639\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a (\u0631\u0645\u0632 \u0627\u0644\u0627\u0633\u062a\u062c\u0627\u0628\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629\u060c \u0648\u062f\u0641\u0639 \u0627\u0644\u0632\u0647\u0648\u0631\u060c \u0648\u0645\u0628\u0644\u063a \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0642\u0631\u0648\u0636\u060c \u0625\u0644\u062e). \u0648\u0627\u0639\u062a\u064f\u0628\u0631 \u062c\u0646\u0633 \u0631\u0628 \u0627\u0644\u0623\u0633\u0631\u0629\u060c \u0648\u0639\u0645\u0631\u0647\u060c \u0648\u0633\u0646\u0648\u0627\u062a \u062a\u0639\u0644\u064a\u0645\u0647\u060c \u0648\u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0633\u064a\u0627\u0633\u064a\u060c \u0648\u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0635\u062d\u064a\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u060c \u0648\u062d\u062c\u0645 \u0627\u0644\u0623\u0633\u0631\u0629\u060c \u0625\u0644\u062e\u060c \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0636\u0627\u0628\u0637\u0629\u060c \u0648\u0623\u064f\u0636\u064a\u0641\u062a \u062d\u0627\u0644\u0629 \u0631\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0623\u0633\u0631\u064a\u0629 \u0643\u0645\u062a\u063a\u064a\u0631 \u0648\u0647\u0645\u064a \u0644\u0644\u062a\u062d\u0642\u0642 \u0645\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0644\u062a\u0637\u0648\u0631 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u062a\u0623\u062b\u064a\u0631 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0633\u0644\u0648\u0643 \u0631\u064a\u0627\u062f\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 (Balvers &amp; McDonald, 2021:91) .<\/p>\n<table>\n<tbody>\n<tr>\n<td rowspan=\"3\">\n<p>\u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/p>\n<\/td>\n<td>\n<p>\u0647\u0644 \u0633\u062a\u0643\u0634\u0641 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0646 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a \u0627\u0644\u0634\u062e\u0635\u064a\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u0633\u062a\u0624\u062f\u064a \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0625\u0644\u0649 \u062a\u062d\u0644\u064a\u0644 \u0648\u062a\u062a\u0628\u0639 \u0645\u0639\u0627\u0645\u0644\u0627\u062a\u064a \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u0648\u0639\u0627\u062f\u0627\u062a \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0645\u0627 \u0625\u0644\u0649 \u0630\u0644\u0643\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u0633\u062a\u062a\u0639\u0631\u0636 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0627\u062e\u062a\u0631\u0627\u0642 \u0628\u0637\u0631\u0642 \u063a\u064a\u0631 \u0645\u0634\u0631\u0648\u0639\u0629 \u0644\u0633\u0631\u0642\u0629 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627 \u0628\u0634\u0643\u0644 \u063a\u064a\u0631 \u0642\u0627\u0646\u0648\u0646\u064a\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">\n<p>\u0645\u062e\u0627\u0637\u0631 \u0623\u0645\u0646\u064a\u0629<\/p>\n<\/td>\n<td>\n<p>\u0647\u0644 \u064a\u0633\u062a\u063a\u0631\u0642 \u062a\u0639\u0644\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0642\u062a\u064b\u0627 \u0637\u0648\u064a\u0644\u064b\u0627\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u062a\u062e\u062a\u0644\u0641 \u0645\u062f\u0629 \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u0648\u062a\u062d\u0648\u064a\u0644\u0647\u0627 \u0641\u064a \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u064a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0623\u0645\u0631 \u0648\u0642\u062a\u064b\u0627 \u0623\u0637\u0648\u0644 \u0644\u0644\u0627\u0646\u062a\u0628\u0627\u0647 \u0625\u0644\u0649 \u0627\u0644\u0623\u062e\u0628\u0627\u0631 \u0630\u0627\u062a \u0627\u0644\u0635\u0644\u0629 \u0628\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td rowspan=\"3\">\n<p>\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629<\/p>\n<\/td>\n<td>\n<p>\u0647\u0644 \u064a\u0639\u062a\u0628\u0631 \u0623\u0635\u062f\u0642\u0627\u0626\u064a \u0648\u0632\u0645\u0644\u0627\u0626\u064a \u0639\u0645\u0644\u062a\u064a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0631\u0627\u0626\u062c\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u0633\u064a\u064f\u0628\u062f\u064a \u0623\u0635\u062f\u0642\u0627\u0626\u064a \u0648\u0632\u0645\u0644\u0627\u0626\u064a \u062a\u0639\u0644\u064a\u0642\u0627\u062a \u0633\u0644\u0628\u064a\u0629 \u0639\u0644\u0649 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u064a \u0644\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<p>\u0647\u0644 \u0644\u0627\u062d\u0638\u0646\u064a \u0623\u0635\u062f\u0642\u0627\u0626\u064a \u0648\u0632\u0645\u0644\u0627\u0626\u064a \u0623\u0643\u062b\u0631 \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u064a \u0644\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u061f<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">\u062c\u062f\u0648\u0644 ( 3,3 ) : \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u0646\u064a\u0629 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0648\u062a\u0635\u0645\u064a\u0645 \u0627\u0644\u0627\u0633\u062a\u0628\u064a\u0627\u0646 \u0627\u0644\u0630\u064a \u064a\u0648\u062c\u0647 \u0627\u0644\u0649 \u0627\u0644\u0639\u064a\u0646\u0629<\/p>\n<ol style=\"text-align: justify;\">\n<li><strong>\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u064a\u062e\u0641\u0641 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0641\u0642\u0627\u0639\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 <\/strong><\/li>\n<\/ol>\n<p style=\"text-align: justify;\">\u0628\u0646\u0627\u0621 \u0646\u0645\u0648\u0630\u062c \u062a\u0648\u0627\u0632\u0646 \u0639\u0627\u0645 \u0644\u0633\u0639\u0631 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0645\u0646 \u0627\u0644\u0637\u0644\u0628 (\u062f\u0627\u0644\u0629 \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u0629 speculative function\u060c \u062f\u0627\u0644\u0629 \u0627\u0644\u062f\u0641\u0639 payment function \u060c \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0633\u0627\u062e\u0646\u0629 hot events \u060c \u0648\u062a\u0648\u0642\u0639\u0627\u062a \u0627\u0644\u062c\u0645\u0647\u0648\u0631 public expectation )\u060c \u0648\u0627\u0644\u0639\u0631\u0636 (\u062e\u0627\u0636\u0639\u064b\u0627 \u0644\u0642\u0648\u0629 \u0627\u0644\u062d\u0648\u0633\u0628\u0629 \u0639\u0644\u0649 \u0645\u0633\u062a\u0648\u0649 \u0627\u0644\u0634\u0628\u0643\u0629\u060c \u0648\u0627\u0644\u0642\u0648\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u0629\u060c \u0648\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0621 \u0648\u0627\u0644\u0627\u0633\u062a\u0647\u0644\u0627\u0643\u060c \u0648\u0635\u0639\u0648\u0628\u0629 \u0627\u0644\u062a\u0639\u062f\u064a\u0646 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629)\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0646\u0645\u0648\u0630\u062c \u0627\u0644\u0639\u0631\u0636 \u0648\u0627\u0644\u0637\u0644\u0628 D-S \u0644\u0645\u0646\u0627\u0642\u0634\u0629 \u0639\u0645\u0644\u064a\u0629 \u062a\u0643\u0648\u0651\u0646 \u0641\u0642\u0627\u0639\u0629 \u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629. \u0627\u0633\u062a\u064f\u062e\u062f\u0645 \u0627\u062e\u062a\u0628\u0627\u0631 \u062d\u062f\u0648\u062f \u0627\u0644\u062a\u0628\u0627\u064a\u0646\u060c \u0648\u0627\u062e\u062a\u0628\u0627\u0631 \u062c\u0630\u0631 \u0627\u0644\u0648\u062d\u062f\u0629 \u0648\u0627\u0644\u062a\u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u060c \u0648\u0627\u062e\u062a\u0628\u0627\u0631 sup Augmented Dickey-Fuller SADF \u0648 the generalized sup Augmented Dickey-Fuller GSADF \u0644\u062a\u062d\u0644\u064a\u0644 \u0639\u0645\u0644\u064a\u0629 \u062a\u0643\u0648\u0651\u0646 \u0627\u0644\u0641\u0642\u0627\u0639\u0629\u060c \u0648\u062a\u0648\u0633\u0639\u0647\u0627\u060c \u0648\u0627\u0646\u0641\u062c\u0627\u0631\u0647\u0627.<\/p>\n<p style=\"text-align: justify;\">\u0648\u0644\u0645\u0648\u0627\u0635\u0644\u0629 \u0627\u0633\u062a\u0643\u0634\u0627\u0641 \u0623\u0633\u0628\u0627\u0628 \u0641\u0642\u0627\u0639\u0627\u062a \u0627\u0644\u0623\u0633\u0639\u0627\u0631\u060c \u0623\u064f\u062c\u0631\u064a\u062a \u0627\u062e\u062a\u0628\u0627\u0631\u0627\u062a SADF \u0648GSADF \u0639\u0644\u0649 \u0639\u0645\u0644\u0627\u062a \u0628\u064a\u062a\u0643\u0648\u064a\u0646\u060c \u0648\u0625\u064a\u062b\u0631\u064a\u0648\u0645\u060c \u0648\u0628\u064a\u062a\u0643\u0648\u064a\u0646 \u0643\u0627\u0634\u060c \u0648\u0631\u064a\u0628\u0644\u060c \u0648\u0628\u0648\u0645\u064a\u0644\u0648. \u0648\u062a\u0645 \u062a\u062d\u0644\u064a\u0644 \u0622\u062b\u0627\u0631 \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629 \u0627\u0644\u0643\u0644\u064a\u0629 (\u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u062d\u0643\u0645 \u0628\u0647\u0627)\u060c \u0648\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0639\u0631\u0636 \u0648\u0627\u0644\u0637\u0644\u0628 (\u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a\u064a\u060c \u0648\u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0645\u0636\u0627\u0631\u0628\u064a\u060c \u0648\u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a)\u060c \u0648\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0633\u064a\u0627\u0633\u0629 (\u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 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\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a.<\/p>\n<p style=\"text-align: justify;\"><strong> \u0627\u0644\u0645\u0635\u0627\u062f\u0631 \u0648\u0627\u0644\u0645\u0631\u0627\u062c\u0639 :<\/strong><\/p>\n<ol>\n<li style=\"text-align: justify;\"><a id=\"post-13935-_Hlk198327129\"><\/a> CBInsights : \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u0648\u0644\u064a\u062f\u064a \u0643\u0643\u0646\u0627\u0628 \u0645\u0642\u062f\u0633 (\u0627\u0644\u0625\u0646\u062c\u064a\u0644)\u202f: \u0627\u0644\u062f\u0644\u064a\u0644 \u0627\u0644\u0646\u0647\u0627\u0626\u064a \u0644\u0627\u0636\u0637\u0631\u0627\u0628 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0627\u0644\u062a\u0648\u0644\u064a\u062f\u064a. (2024). \u0645\u062c\u0644\u0629 \u0627\u0644\u062c\u0645\u0639\u064a\u0629 \u0627\u0644\u0645\u0635\u0631\u064a\u0629 \u0644\u0646\u0638\u0645 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u062a\u06a9\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u062d\u0627\u0633\u0628\u0627\u062a, 34(34), 34\u201335. <a href=\"https:\/\/doi.org\/10.21608\/jstc.2024.338393\">https:\/\/doi.org\/10.21608\/jstc.2024.338393<\/a><\/li>\n<li style=\"text-align: justify;\">\u0627\u062d\u0645\u062f \u0633\u064a\u062f \u0639\u0648\u0646\u064a : \u062f\u0648\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0648\u0642\u0639 \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0643\u0645\u064a \u0644\u0644\u0645\u062e\u0627\u0637\u0631 \u0641\u064a \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629. (2016). \u0645\u062c\u0644\u0629 \u0623\u0628\u0639\u0627\u062f \u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629, 225. <a href=\"https:\/\/doi.org\/10.36539\/1427-000-006-011\">https:\/\/doi.org\/10.36539\/1427-000-006-011<\/a><\/li>\n<li style=\"text-align: justify;\">\u0623\u0634\u0631\u0641 \u0645\u062d\u0645\u062f \u0627\u0644\u0645\u0647\u062f\u064a. (2024). \u0631\u0648\u0628\u0648\u062a\u0627\u062a \u0627\u0644\u062f\u0631\u062f\u0634\u0629 \u0627\u0644\u062a\u0641\u0627\u0639\u0644\u064a\u0629 \u0648\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u0625\u0639\u0644\u0627\u0645 \u0642\u0631\u0627\u0621\u0629 \u0646\u0638\u0631\u064a\u0629. \u0645\u062c\u0644\u0629 \u06a9\u0644\u064a\u0629 \u0627\u0644\u0622\u062f\u0627\u0628, 72(72), 0\u20130. <a href=\"https:\/\/doi.org\/10.21608\/bfa.2024.277106.1318\">https:\/\/doi.org\/10.21608\/bfa.2024.277106.1318<\/a><\/li>\n<li style=\"text-align: justify;\">\u062a\u0631\u0643\u064a \u0631\u0627\u062c\u064a \u0627\u0644\u062d\u0648\u062f : \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629 \u0641\u064a \u062f\u0648\u0644\u0629 \u0642\u0637\u0631 (\u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629), \u0645\u0631\u0643\u0632 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u062f\u0628\u064a , \u0627\u0644\u0627\u0645\u0627\u0631\u0627\u062a, 2002.<\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 &#8211; \u0627\u0633\u0633 \u0627\u0644\u0627\u0639\u062f\u0627\u062f \u0648\u0627\u0644\u0639\u0631\u0636 \u0648\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0648\u0641\u0642\u0627 \u0644\u0627\u062d\u062f\u0627\u062b \u0627\u0644\u0627\u0635\u062f\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0641\u0649 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u0648\u0627\u0644\u0627\u0645\u0631\u064a\u0643\u064a\u0629 \u0648\u0627\u0644\u0628\u0631\u064a\u0637\u0627\u0646\u064a\u0629 \u0648 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0648\u0627\u0644\u0645\u0635\u0631\u064a\u0629 : \u0637\u0627\u0631\u0642 \u0639\u0628\u062f \u0627\u0644\u0639\u0627\u0644 \u062d\u0645\u0627\u062f , \u0627\u0644\u062f\u0627\u0631 \u0627\u0644\u062c\u0627\u0645\u0639\u064a\u0629 \u0644\u0644\u0637\u0628\u0627\u0639\u0629 \u0648\u0627\u0644\u0646\u0634\u0631 , \u0627\u0644\u0642\u0627\u0647\u0631\u0629 , \u0645\u0635\u0631 , 2001.<\/li>\n<li style=\"text-align: justify;\">\u062f\u0631\u0627\u0633\u0627\u062a \u0641\u064a \u0627\u0644\u0641\u0644\u0633\u0641\u0629\u060c \u0627\u0644\u0641\u0643\u0631\u060c \u0627\u0644\u062f\u064a\u0646\u060c \u0627\u0644\u0633\u064a\u0627\u0633\u0629\u060c \u0627\u0644\u062b\u0642\u0627\u0641\u0629\u060c \u0627\u0644\u0623\u062f\u0628 : \u0639\u0641\u064a\u0641 \u0641\u0631\u0627\u062c \\ ( \u062f\u0645\u0634\u0642 \u2013 \u0633\u0648\u0631\u064a\u0627 : \u062f\u0627\u0631 \u0627\u0644\u0641\u0627\u0631\u0627\u0628\u064a , 2014) , \u0635 95.<\/li>\n<li style=\"text-align: justify;\">\u062f\u0648\u0631 \u0627\u0644\u0645\u0646\u0627\u062e \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u064a \u0641\u064a \u062c\u0630\u0628 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0627\u0644\u0623\u062c\u0646\u0628\u064a \u0627\u0644\u0645\u0628\u0627\u0634\u0631 \u0625\u0644\u0649 \u0627\u0644\u062f\u0648\u0644 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 : \u0639\u0645\u064a\u0631\u0648\u0634 \u0645\u062d\u0645\u062f , \u0627\u0644\u0645\u0646\u0627\u0647\u0644 , \u0644\u0628\u0646\u0627\u0646 , 2012, \u063592.<\/li>\n<li style=\"text-align: justify;\">\u0633\u0627\u0644\u0645 \u0628\u062f\u0631. (2025). \u062f\u0648\u0631 \u0645\u0646\u0647\u062c\u064a\u0629 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u0645\u0628\u0646\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062f\u0639\u0645\u0629 \u0628\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0639\u0632\u064a\u0632 \u0645\u0639\u0627\u064a\u064a\u0631 \u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u062f\u0648\u0644\u064a\u0629 \u2013 \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629. \u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0645\u064a\u0629 \u0644\u0644\u062f\u0631\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0628\u062d\u0648\u062b \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629, 6(1), 549\u2013610.<\/li>\n<li style=\"text-align: justify;\">\u0633\u0646\u0627\u0621 \u0645\u062d\u0645\u062f : \u0633\u064a\u0643\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a \u0648 \u0645\u0647\u0627\u0631\u0627\u062a\u0647 , \u0627\u0644\u0645\u0646\u0627\u0647\u0644 , \u0628\u064a\u0631\u0648\u062a , \u0644\u0628\u0646\u0627\u0646 : \u0627\u0644\u0645\u0646\u0627\u0647\u0644 , 2014.<\/li>\n<li style=\"text-align: justify;\">\u0633\u064a\u0643\u0648\u0644\u0648\u062c\u064a\u0629 \u0627\u0644\u0627\u062a\u0635\u0627\u0644 \u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a \u0648 \u0645\u0647\u0627\u0631\u0627\u062a\u0647 : \u0633\u0646\u0627\u0621 \u0645\u062d\u0645\u062f \\ ( \u0628\u064a\u0631\u0648\u062a \u2013 \u0644\u0628\u0646\u0627\u0646 : \u0627\u0644\u0645\u0646\u0627\u0647\u0644 , 2014) , \u0635 19.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0628\u062f \u0627\u0644\u0644\u0647 \u0628\u0646 \u0623\u062d\u0645\u062f \u0627\u0644\u0631\u0642\u064a\u0628\u0629. (2024). \u062f\u0648\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629. \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u062a\u0631\u0628\u0648\u064a\u0629 \u0648\u0627\u0644\u0625\u0646\u0633\u0627\u0646\u064a\u0629\u060c (40)\u060c 101-111. <a href=\"https:\/\/doi.org\/10.33193\/jeahs.40.2024.558\">https:\/\/doi.org\/10.33193\/jeahs.40.2024.558<\/a><\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u0639\u0642\u0644 \u0627\u0644\u0622\u0644\u064a.. \u0643\u064a\u0641 \u064a\u063a\u064a\u0631 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0639\u0627\u0644\u0645\u0646\u0627\u061f : \u062e\u0627\u0644\u062f \u0645\u062d\u0645\u062f \u063a\u0627\u0632\u064a , \u0648\u0643\u0627\u0644\u0629 \u0627\u0644\u0635\u062d\u0627\u0641\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 , \u0627\u0644\u0642\u0627\u0647\u0631\u0629 , \u0645\u0635\u0631 , 2024.<\/li>\n<li style=\"text-align: justify;\">\u0639\u0644\u0645 \u062a\u062f\u0642\u064a\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a &#8216;\u0627\u0644\u0646\u0627\u062d\u064a\u0629 \u0627\u0644\u0646\u0638\u0631\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u064a\u0629&#8217;: \u062e\u0627\u0644\u062f \u0627\u0645\u064a\u0646 \u0639\u0628\u062f \u0627\u0644\u0644\u0647 , \u062f\u0627\u0631 \u0648\u0627\u0626\u0644 \u0644\u0644\u0637\u0628\u0627\u0639\u0629 \u0648\u0627\u0644\u0646\u0634\u0631 \u0648\u0627\u0644\u062a\u0648\u0632\u064a\u0639, \u0639\u0645\u0627\u0646 , \u0627\u0644\u0623\u0631\u062f\u0646 , 2004.<\/li>\n<li style=\"text-align: justify;\">\u0641\u0627\u062a\u0646 \u0639\u0628\u062f\u0627\u0644\u0644\u0647 \u0635\u0627\u062f\u0642 \u0633\u0644\u0647\u0628, : \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0648\u062a\u0639\u0644\u0645 \u0627\u0644\u0622\u0644\u0629 \u0641\u064a \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0643\u062a\u0628\u0627\u062a. (2025). \u0627\u0644\u0645\u062c\u0644\u0629 \u0627\u0644\u0623\u0631\u062f\u0646\u064a\u0629 \u0644\u0644\u0645\u0643\u062a\u0628\u0627\u062a \u0648\u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a, 15. <a href=\"https:\/\/doi.org\/10.36372\/1163-060-001-001\">https:\/\/doi.org\/10.36372\/1163-060-001-001<\/a><\/li>\n<li style=\"text-align: justify;\">\u0643\u0627\u0645\u0644 \u0627\u0644\u0645\u0639\u0627\u0644\u064a : \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0639\u0644\u064a\u0645: \u062a\u0635\u0648\u0631\u0627\u062a \u0645\u0639\u0644\u0645\u0627\u062a \u0631\u064a\u0627\u0636 \u0627\u0644\u0623\u0637\u0641\u0627\u0644 \u062d\u0648\u0644 \u062a\u0648\u0638\u064a\u0641 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0641\u064a \u0627\u0644\u062a\u0639\u0644\u064a\u0645 \u0628\u0631\u064a\u0627\u0636 \u0627\u0644\u0623\u0637\u0641\u0627\u0644. (2024). \u0645\u062c\u0644\u0629 \u06a9\u0644\u064a\u0629 \u0627\u0644\u062a\u0631\u0628\u064a\u0629 &#8211; \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0625\u0633\u06a9\u0646\u062f\u0631\u064a\u0629, 34(4), 253\u2013279. <a href=\"https:\/\/doi.org\/10.21608\/jealex.2024.320880.1047\">https:\/\/doi.org\/10.21608\/jealex.2024.320880.1047<\/a><\/li>\n<li style=\"text-align: justify;\">\u0643\u0645\u0627\u0644 \u0627\u0644\u0633\u0628\u062a\u064a : \u062a\u0642\u0646\u064a\u0629 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a: \u0645\u0642\u0627\u0631\u0628\u0629 \u062a\u0639\u0644\u064a\u0645\u064a\u0629 \u0645\u0646 \u0648\u062c\u0647\u0629 \u0646\u0638\u0631 \u0627\u0644\u0623\u062f\u0628\u064a\u0627\u062a \u0648\u0627\u0644\u0646\u0638\u0631\u064a\u0627\u062a \u0627\u0644\u0645\u0641\u0633\u0631\u0629 \u0644\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a. (2021). \u0627\u0644\u0645\u0624\u062a\u0645\u0631 \u0627\u0644\u0639\u0644\u0645\u064a \u0627\u0644\u062f\u0648\u0644\u064a \u0627\u0644\u062b\u0627\u0646\u064a \u0639\u0634\u0631. <a href=\"https:\/\/doi.org\/10.24897\/acn.64.68.297202111\">https:\/\/doi.org\/10.24897\/acn.64.68.297202111<\/a><\/li>\n<li style=\"text-align: justify;\">\u0645\u062c\u0627\u0644\u0627\u062a \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0627\u062e\u0644\u0627\u0642\u064a\u0627\u062a: \u0644\u0645\u064a\u0627\u0621 \u0645\u062d\u0633\u0646 \u0645\u062d\u0645\u062f , \u0627\u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0644\u0644\u0646\u0634\u0631 \u0648\u0627\u062a\u0644\u0648\u0632\u064a\u0639 , \u0627\u0644\u0642\u0627\u0647\u0631 \u0629 , \u0645\u0635\u0631 , 2023.<\/li>\n<li style=\"text-align: justify;\">\u0645\u062d\u0633\u0646 \u0627\u062d\u0645\u062f \u062e\u0636\u064a\u0631\u064a : \u0645\u0642\u062f\u0645\u0629 \u0641\u0649 \u0641\u0643\u0631 \u0648\u0627\u0642\u062a\u0635\u0627\u062f \u0648\u0627\u062f\u0627\u0631\u0629 \u0639\u0635\u0631 \u0627\u0644\u0644\u0627 \u062f\u0648\u0644\u0629 , \u0645\u062c\u0645\u0648\u0639\u0629 \u0627\u0644\u0646\u064a\u0644 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0637\u0628\u0627\u0639\u0629 \u0646\u0634\u0631 \u062a\u0648\u0632\u064a\u0639 , \u0627\u0644\u0642\u0627\u0647\u0631\u0629, \u0645\u0635\u0631 :, 2000.<\/li>\n<li style=\"text-align: justify;\">\u0645\u062d\u0645\u062f \u0623\u0628\u0648\u0632\u064a\u062f. (2024). \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0628\u064a\u0646 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0648 \u0627\u0644\u0623\u062e\u0644\u0627\u0642 (\u062a\u0646\u0638\u064a\u0645 \u0623\u062e\u0644\u0627\u0642\u064a\u0627\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a). \u0645\u062c\u0644\u0629 \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f\u064a\u0629, 66(3), 949\u2013984. <a href=\"https:\/\/doi.org\/10.21608\/jelc.2024.342128\">https:\/\/doi.org\/10.21608\/jelc.2024.342128<\/a><\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u0645\u0631\u0627\u062c\u0639\u0629 \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629 \u0627\u0644\u0645\u0628\u0646\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u062f\u0648\u0631\u0647\u0627 \u0641\u064a \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a\u0629 \u062f\u0631\u0627\u0633\u0629 \u0645\u064a\u062f\u0627\u0646\u064a\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0633\u0648\u062f\u0627\u0646\u064a\u0629. (2024) \u0645\u062c\u0644\u0629 \u062c\u0627\u0645\u0639\u0629 \u0627\u0644\u0628\u064a\u0636\u0627\u0621., 6(3)<\/li>\n<li style=\"text-align: justify;\">\u0627\u0644\u0645\u0634\u0627\u0643\u0644 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0641\u064a \u0627\u0644\u0645\u0646\u0634\u0622\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062d\u062c\u0645 \u0648 \u0637\u0631\u0642 \u0639\u0644\u0627\u062c\u0647\u0627: \u0627\u062d\u0645\u062f \u0639\u0628\u062f\u0647 \u0627\u0644\u0635\u0628\u0627\u063a , \u062f\u0627\u0631 \u062d\u0645\u064a\u0633\u0631\u0627 \u0644\u0644\u0646\u0634\u0631 , \u0627\u0644\u0642\u0627\u0647\u0631\u0629 , \u0645\u0635\u0631 , 2023.<\/li>\n<li style=\"text-align: justify;\">\u0646\u0648\u0631\u0627 \u0639\u0637\u064a\u0629 \u0643\u0627\u0645\u0644 \u0631\u0634\u0648\u0627\u0646 : \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a \u0643\u0645\u062a\u063a\u064a\u0631 \u0641\u064a \u0627\u0644\u062a\u062e\u0637\u064a\u0637 \u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0648\u0639\u064a \u0628\u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u062e\u064a\u0629 \u0627\u0644\u0628\u064a\u0626\u064a\u0629. (2025). \u0628\u062d\u0648\u062b \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 \u0627\u0644\u062a\u0646\u0645\u0648\u064a\u0629, 8(1), 91\u2013126. <a href=\"https:\/\/doi.org\/10.21608\/baat.2025.353653.1185\">https:\/\/doi.org\/10.21608\/baat.2025.353653.1185<\/a><\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\"><a id=\"post-13935-_Hlk198282899\"><\/a> Balasoooriya S W M B.Identify the Factors Which Affect to Risk Management Efficiency of the Banks: Evidence from Licensed Commercial Banks in Sri Lanka[J].International Journal of Economic Behavior and Organization,2023,11(2)<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Barth, M. E., &amp; Schipper, K. (2008). Financial reporting transparency. <strong><em>Journal of Accounting, Auditing &amp; Finance<\/em><\/strong>, 23(2), 173-190.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Dirk B ,Marleen S.Climate change uncertainty and central bank risk management[J].Journal of Risk Management in Financial Institutions,2021,14(2):121-130.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Eisenstadt, Shmuel N. &#8220;Max Weber on Western Christianity and the Weberian approach to civilizational dynamics.&#8221; Canadian Journal of Sociology\/Cahiers canadiens de sociologie (1989): P: 203<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Hazza A ,Tamer E.Do governance factors affect the effectiveness of risk management disclosure in UAE banks [J].Cogent Business Management,2023,10(2):<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Huber, J. (2023). Today\u2019s recomposition of the money supply. The Monetary Turning Point, 77\u2013115. doi:10.1007\/978-3-031-23957-1_6<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">M. Abdullah bin Ahmed Al-Raqeeba. (2024). The role of artificial intelligence in improving the efficiency of administrative processes. Journal of Educational and Human Sciences, (40), 101\u2013111. https:\/\/doi.org\/10.33193\/jeahs.40.2024.558<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Mengzhe L ,Qianru L ,Fei L , et al.Trade policy uncertainty and financial investment: Evidence from Chinese energy firms[J].Energy Economics,2023,117<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Mill, John Stuart. Principles of political economy: with some of their applications to social philosophy. Vol. 1. Longmans, Green, Reader, and Dyer, 1871.P:219..<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Sandberg, J., &amp; Lindblom, L. (2024). Bitcoins left and right. The Philosophy of Money and Finance, 303\u2013320. doi:10.1093\/oso\/9780192898807.003.0017<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Statistical Mechanics; Data on Statistical Mechanics Detailed by Researchers at University of Electronic Science and Technology of China (Identifying Influential Spreaders In Complex Networks Based On Improved K-shell Method)[J].Journal of Physics Research,2020,97.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Vladimir R ,Dinko P ,Mihaela M.Application of Multi-Criteria Assessment in Banking Risk Management[J].Zagreb International Review of Economics and Business,2023,26(1):97-117.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\"><a id=\"post-13935-_Hlk199918926\"><\/a> Yao, Qian. &#8220;A systematic framework to understand central bank digital currency.&#8221; Science China Information Sciences 61 (2018): 1-8.<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Yuejiao D ,Xiaoyun F ,Yu W.Economic policy uncertainty and bank systemic risk: A cross-country analysis[J].Pacific-Basin Financ Journal,2022,75<\/li>\n<li dir=\"ltr\" style=\"text-align: justify;\">Zatti, F. (2023). \u2018legal tender\u2019 and Central Bank Digital Currency. Digital Assets and the Law, 197\u2013212. doi:10.4324\/9781003258261-16<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>\u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u064a\u0642\u0648\u0644 \u062c\u0648\u0646 \u0633\u062a\u0648\u0627\u0631\u062a \u0645\u0644 John Stuart Mill * \u0627\u0646 &#8221; \u0627\u064a\u0629 \u0641\u0644\u0633\u0641\u0629 \u0625\u062f\u0627\u0631\u064a\u0629 \u0627\u0648 \u0646\u0645\u0648\u0630\u062c \u0645\u062a\u0642\u062f\u0645 \u0644\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u0644 \u064a\u062a\u062d\u062f\u062f \u0648\u0641\u0642 \u0645\u0646\u0638\u0648\u0645\u0629 \u0627\u0644\u0642\u064a\u0645 \u0627\u0644\u0639\u0644\u064a\u0627 \u0648\u0627\u0644\u062d\u0642\u0627\u0626\u0642 \u0627\u0644\u062c\u0648\u0647\u0631\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0645\u062d\u0648\u0631 \u062d\u0648\u0644\u0647\u0627 \u0641\u0644\u0633\u0641\u0629 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_joinchat":[],"footnotes":""},"class_list":["post-13935","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/13935","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/comments?post=13935"}],"version-history":[{"count":1,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/13935\/revisions"}],"predecessor-version":[{"id":13937,"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/pages\/13935\/revisions\/13937"}],"wp:attachment":[{"href":"https:\/\/www.hnjournal.net\/ar\/wp-json\/wp\/v2\/media?parent=13935"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}