كيف يغير الذكاء الاصطناعي مستقبل المدفوعات الرقمية؟ مع محمد عاصم - المدير الإقليمي لشركة Mastercardpisode

هل فعلًا البنوك أصبحت تعرف سلوكك أكثر منك؟
الذكاء الاصطناعي أصبح العقل الذي يراقب، يتوقع، ويمنع عمليات الاحتيال قبل أن تحدث.

في هذه الحلقة نتحدث عن مستقبل المدفوعات الرقمية، وكيف غيّر الـ AI طريقة حماية الأموال، واستخدام البيانات، وحتى طريقة الدفع نفسها.

 🔶في هذه الحلقة ستكتشف:
• كيف تستخدم شركات الدفع مثل ماستر كارد الذكاء الاصطناعي لتحليل مليارات المعاملات
• كيف يكتشف الـ AI عمليات الاحتيال قبل حدوثها
• ما هو الـ Tokenization أو “الترميز”؟ ولماذا أصبح أساسيًا في أمان المدفوعات
• ما معنى Agentic AI و Agentic Pay؟
• كيف سيغيّر الـ AI مستقبل الشراء والدفع الإلكتروني
• لماذا لا يزال الإنسان هو أضعف نقطة في الأمان الرقمي
• أشهر طرق الاحتيال الحديثة في المدفوعات الرقمية
• كيف تحمي بياناتك وأموالك في عصر الذكاء الاصطناعي
• لماذا أصبحت السرعة وتجربة الدفع أهم ترند في عالم الـ FinTech

لو الحلقة عجبتك، لا تنسَ الاشتراك ومشاركة الحلقة مع أي شخص مهتم بالتكنولوجيا، البيزنس، أو مستقبل المدفوعات الرقمية.

🔶في مصر والشام
🔶خليك ديماً متابع الجديد في مكان واحد وحمل تطبيق بزنس بالعربي👇
https://m.mtrbio.com/BBA-Application

هذه الحلقة برعاية :
📌Mastercard

تلتزم ماستركارد بدعم التنمية الاقتصادية وتمكين الأفراد في أكثر من 200 دولة وإقليم على مستوى العالم، مكرّسة جهودها، بالتعاون الوثيق مع عملائها، لبناء اقتصادات مرنة ومستدامة تمنح الجميع في كل مكان آفاقاً أوسع للنمو والازدهار. تقدم الشركة مجموعة واسعة ومتنوعة من حلول الدفع الرقمية المتطورة التي تُسهل تنفيذ المعاملات المالية وترفدها بأعلى مستويات الأمان والمرونة وسهولة الوصول. تساهم تكنولوجيا ماستركارد الرائدة، وقدراتها الابتكارية، وشراكاتها الاستراتيجية، وشبكتها العالمية في توفير باقة متكاملة من الحلول والمنتجات والخدمات الرامية إلى مساعدة الأفراد والشركات والحكومات على النمو وتحقيق إمكاناتهم الكاملة.
www.mastercard.com

Transcript

مدخل سريع لعالم الذكاء الاصطناعي

SPEAKER_00 0:00

Mr AI in the time computer, it's a very good thing.

SPEAKER_01 1:28

After Hagga, can liha thirstel?

SPEAKER_00 1:44

But Muhammla Malaya l MasterCard Busa Alihom Muamlit Lom ta'amin'.

كشف احتيال بطاقة أثناء السفر

SPEAKER_00 2:21

Fi goz innanta todar tamil data analysis, u tutar tamil innanta machine learning, ashantarof hagat hassalit, u tar tita'allim min naha pattern outar t'ul is shak liptaha beltari al-foruneya. Wu fi il-AI outentic AI, ilinta tethar ninta t'p predicti bi au ninta tchuf ilha jaħsal fil-mustabel. W ninta tathar t'ul illa yahsal fil-mustabel da hawa da illitadar tibni bi il-trust tul thika, and ninta tatar ta' ammin il-muam. Izaia dhararaf il-hassal in nana dhararaf il-hayasal musabar ou nana other astagdi mil AI fil-guz betail ta' amin khayah dikabasil awil ehawa il power betat al AI, eheya mistil AI. Mistil AI in Howawa Biyodor Nhowa Yata khmeid bayonet u Sawyer Ila'al Awil Computer Al Aidi Ma Byodorsh no it I'm almai Kmeitil Bayonet ilintatimha Fel Muhammla Hayab Thasal will laze him Tehutfiha Kor Sariya. Zay Masalan, Anna Ayrif in Il POS I will Makana Lana Bashtag Aliha Dilwaati Mauguda for Balad Ingultera Masalan. Wana Maugud Famosil Banktei in Nanam safer. Ufi Muamla Gat Lil Bankai, Bitul in lfi Dilwati Karteptah, Ustardam F Ingiltura, Ashain y Atim Mishra Jacket Faru. Aman Arifta Halil il Ma'lumad Di wa rift in Al Amilda, Mishme Bellah in Howa, Msafer, Falkarteptah, Mshama Froodno, Stardam Borro, Howal Sam Augudfu Masr, uh Ba'atil Bankelu Halibela Kil Muhammad Frod, Munkati Bahtiel. Hina Ana waft Hamalait Aħtiel Hassalit lay nana rift in Nidima Uguda Ablumatasan, Mshbada Matas. Dala yumkin kan yasan atama adit misal basit giddan alama alumat bosita fi kmit ma alumedba mauguda fil transaction wa security wa wa wa ta'min kibira giddan bi tim min nihna na amilaha noamin anwa l-analysis aen nidir il-bank ta'zir khalibalakul muhamladi munkin tibba'lot. Dama kan

حماية الاشتراكات قبل الموافقة

SPEAKER_00 4:55

shimunkin yasan ngiril AI. Guz it teny. Inta masalan amabtigiptu a mushtarik fi subscription ašan had yodun howa yqsim aala l-kartipteak. Inta munkat toa t'garrab mela niheya l-muhawwalet il-mauguda ala l-subscription dah. Lawana ka amil ult bank aw l-kartipteh l-service proadar btei start track in na my ħsal shnuamin anwaya l in nana haddi ihsimalaya minhirmana uhdi il approval aw n nana ammin l'amalaya amalaya adiminhirmana ta'hala tba automatic mauguda w khalos. Il AI Khaleni in nana adlati mumkin n nana uhmin l'amalaya ablima yhasallaha in nana adil consent, awul al amalaidi tahsal ablima tahsalbuzza.

SPEAKER_01 5:50

Tabgirma wa diya lhetyel fraud. L AI isai far itma l sharikat ful megal payments o technology al malaya mata.

SPEAKER_00 5:58

Far itba'f guz in nana kaamil la uddate consent shana baha ni gakal hala alfetla konserdim data, ulna data, wana eyza hofaza data ptati kaamil la wana date consentl banktay ultl bank and hoy other y stardim uh l-bayanet anabat fafin anabamili ashani saidni, misha shenya ideal had detanya shan ho wa nafui saidni in nana echod uhinsamiha personalized uh offers. Aw nanaf Masalan, and nana andi filwaq tdawa anaptaita shteri hagat kitira liha alako bi il madiris. Fana keda andi uh uh tuflfil madras. Faftidi nhoy dini offer ala masalan skull loon. Ana aif nafta eight shteri haiktira awid l'ati mil patan ta'l Srdam btei nahit il wedding, yibana dahil a la gawez, munkini ptidi yisahilli kordl gawez. Wahakaza. Fa dakulu lawana ptaitin nana uhali l bank yodar nhoi stahdem l-bainet di bas badl consent, damiz zay social media nhai kita ketal bainat but stahdam hena lezim ilamil yib amedi l consent il ba.

التخصيص مقابل خصوصية السوشيال

SPEAKER_01 7:10

Boru hnail me taraf naal social media ano ana winta adima abad in dardeshlwati swaya shua halaye alal uh uh wahdam al platforms social media, halayi people you may know.

SPEAKER_00 7:22

So, uh uh tik kalimtad uhal, Izinishteri, sharefedi will have dairy cullata ebni al social media, and then andi baby, uhanati kullaha, ala formula diapers social media mafash regulator, il be regulate il how bank markazi you will uh gaza comi lot, ill bit regulate nhatchy daryamil kalamda, awi eachud data lama la hir lamma, uh yum di we amuta akid wholi ul consai social media.

SPEAKER_01 8:03

Social media a dear beinal yamishbusf na alta akademica, isa fadir bein il il in nana a hofazal security of data of nafsin what as tamilha, arsen adi kaga personalize, haga mt ayef aliik ayef aliik. Aw kidma mit ayef aliik.

SPEAKER_00 8:21

Ana bus afaza security ma na nana ilbainadi mad dash l hadini. Fadi awu nothi haga mauguda and ayyahad biya bi adim kidmet matfua'at la l master card walal shariikatal bit adim technology almatfahat be tisma hinintat stahdem al data daya uhtidihal third party awul geha ukra, wala btismahl in al bank ya milkid. Ya ni da aw aw mkoddum al kidman nahoa yamilkit. Walban markazi nafsir hekeh, ma bi smashin ninta tatawal al malumed bata'at l'omala, awun ninta tiddiha l shhahs oh, nafsir hekeya, gehazita litsalot. Wa wena dil gehatur kobeya l mauguda, bitre ebaala, elbi adimla nal khidma ba'a ka shahs bas behud al khidmadi. Nafsir hekear fira mauggud borra, amerika, ropa, ropa fial GDBR, l'howa yani bhht soar, shokhsahol masulam bayanetu. Ma'adishadar istahdi mil bayant batatak gir inta shahseyan, wu ma'haddi sha istahdima killa mantat ultitni il minhina lhina. Fa kull l balat hat laify l-Ghatar kabel l-buthfas bayanet l-of-road. Whsusausa nahit il-financial services ow al-khadamet il-malay. Fahina anam shaudar nana astahdim il-bayanet al bank awai haddibi adiml kidman hoy sahdim bayoneti hirl la wana wa fit inhoi

من يملك البيانات وما حدود استخدامها

SPEAKER_00 9:50

stahdimha, mish basinhoi deal had the tiny ho wa enaf sui stahdimha, a shen yi adimli il-personalized services.

SPEAKER_01 9:57

Tab fi technology dialak neskipal payment kilima li tokenization. Ana bahawa la ila kilma brabi attormiz. Atomiz. Yeah, I saw. Tokenization shatifami tormez tormizh. Zem what hakma atolana ul tilak motobik sahabay enter shatifani illow win tarif yani uh smeda yani cloud kitchens. I shut off hat that illa il meaning bravi. Fantasm to femiani cloud kitchens us killma koesta tormiz tokenization. A laut shahlinal technology di with payments is a fudana ka shokh sa'i di uham nanafam.

SPEAKER_00 10:47

Khalina uh tokenization beshahabulla bi a tormez dama ananinta batormuzl haga ubucha alem bait kada bahaya nafsaha mauguda mike yani intam. Al fakra di kula gatminin, gotmin rockamil cart, la tosha rockamil Mauguda ala, el kart downbua, def had Zetu Ma aluma muhemma, min al ma'lumetalinta foot hofza aliha, u met dehashlit tegger. La muntal bastah, lau il tegger dawa had rockam cart, wa had l rockam lmauguda la dohrik cart lehna semmi security code or rockam turmizbayana bigila had akadil maluma lamauguda no stagdom bayinet daya uh minun nafta. Fahina get il fiqra inana hadger mhaalishu forkamak cart, fanaharmuzl rockamakart brokam teni, wa show ala cartdawa, uhalos. Fa gina Maudua, al tormizda or tokenization, and nana ult a comic kurutil assaya, mauguda fhazna, ismu voltalf. Fhazna, mahathiafha, ilbank,

فهم الترميز لحماية بيانات البطاقة

SPEAKER_00 12:11

we maakul muamlauguda, fi rockam anabas tahemu, beyarumzl rockamil assesi, muamla bi a rockamda muhtalif Umahaddi sh Arif, sahabam the arboto zebrokamil assesi hil bank. Uhena il tokenization out termiz. Al Muamamla Kamen fil tokenization out termiz, but Hasal emta maimfash Thasal Hilla Mamil uh Tarif Yemma Lilwag, Ya emma Bel Bosma, Ya Lazi wa Finoamal Anwa il Biometric Authentication. Tamam Fadam Shal Muhammla Hilam Ma'raf Nafsi Lil Kart Dab Kitabazopt Kani Fatah L Hazna, Lanhat Fya Rokam Kartl Assesi, Ul Tilha, I Dini Rakam Mish Assi has Takdemu Fil Muhammad. We Al Muhammad, Hajj Bay Shufu. Hadla Hadbah Had Rockham Al Stuhdin Ful Muhammad How's Demu Bad Kid Halas Ma' Hai Adiya Systems Walak Maugod Wumafish Ainom and Wea El Hotor Hand Zembin Ulkidah Al Concept Da Wil Mabda Da'mal With Technologia Dilam Mazaharit Di Hatiftah Afok Kabira Gidden Li Zay Nana Stah Mbadi Kid Muhammad Batari Technolo Waraqibaliha Kamal AI. Whana Guzm Muhammad Gidden Khalini Basaf Hina Zay Haraqabale AI, Binan Nikkalem Swa'al Ajentek AI. Al Ajentek AI Hawa in Nana Dl'Ati Badal Mana Ba'amil Al Haiga Ba Kali Asian Ti Amil Heli Ani Khalazima Kunaz, Nana Andi Musa Ed Hol Ruha Amil Haigar Ruha H Gizli Al Taskara Ruh Da Warli Ala Asan Fondu Aw, Shirkit Si Eh Hamasaran T Kalemaf Telephone Al Agent Hiptej Da Warlak Ala, Asan Searu, Asan Waat Fa Fi Agent Dilwat Il

الترميز مع البصمة والتحقق البيومتري

SPEAKER_00 14:30

AI Hawa Il N Howa Y Da Warlak, Whi Sadak, Wit Alalaq Al Ma'aluma, Wit Allah Up Tari Sahla Ub Surah Utib Ama Wguda Ala Leek in Nintata Tistah Dima Bini Gib Al Marhala Ilh Dafatfa Izze Ashen Ilana Da Wart Ali Daba Uadar Nana Hagizu Asen Wugudil Tokenization A'dar Nana Amal Hagas Ma Agen Tpay And Il Agent Il Khaledu Dawarli Al Ma'aluma Dey Dar Nahua Yamil Amalet Daf Ali Nana Al Hadilu Rakham Ms. So, Ha Khali Stah Dum Rakam Marra Wah Dabas, Ilhowa Bistr Demet Tokenization Awut Token. Wa wa il Transaction Awl Muhammad Shatim Ramana Rraf Nafsi Fadama Nanana Mwefi Ala in N Kulil Ha Yasal Day We Il Transaction Dita. Fahina Kamana Dafah Tasab Tokenization, W Nana Stah Demtil Agent Alana Aiza Melu, Wstah Dimtil Agent Pashana Raf Nafsi Wahmelin Muhammad. Bastini,

الذكاء الاصطناعي الوكيلي والدفع بتوكن

SPEAKER_00 16:43

Widino Tabord, Awiyan. Lawinta Matalatish Ma'aluma Minandak, Inta Inta Kashakhs, Hawa Inta il Shaqsil Titrust, Inta Shahsi Libit Usenticate. Lawinta Wat Allahish Al Ma'aluma Minandak, Lawinta Madichil Password, Lawinta Ma Raf Nasagri Facebook, Omra Maamalate.

SPEAKER_01 17:22

Fa had the Kalim with any hotel PS system alike.

SPEAKER_00 18:17

And I'm Nazil contactless mosquito anna how you sit snin to contactless, a little bit, preventing from contactless read, waref ID secured, unmaffazan ya. Fashion kiddaumkin, but ulhade, would give fully.

خدع التصيد وصفحات البنك المزوّرة

SPEAKER_00 22:17

Asan kidalamagina on agent tik pay, ma'imfash mingil biometric. Mayamfash in nana abatl Asian passwordimha shanta al Muhamml. Lazimi ba biometric, lezbi ba haga anashafha udemyehu, ba aref nafsi lil gehez, fat al-muhaml.

SPEAKER_01 22:39

BML bibatluk umirror l page beta l bank. Oh, he shabah zay mraya lihir information idehil password andal bank, uh will kert, I wish an hour haiya ho mish forbi or information. Barbara, similar. Yeah, I m cussas border kulish mirroring demo do what any front gid lay trends border kabira.

SPEAKER_00 23:24

I wanna how y give uh uh we batluck l checkout page, illhowa into fruit falah, dham good. Bas da bord hega bihal education's betaani, bas il fikra kullaha in inta kamil ashal haiga tamilha, who anfzala bayinetak, matamilch muamla grilam matkid inya masalan, heat it daf Idi. Mata balsh in had yigi olaki anaha amilak uh tamil il muamla deya, wa batlak uh husha al milbitaak, hottuba bay natikatakashana kamilla, kamelit daf. Matabelshil Mododa Rilamat bayf il milda gailak minin, utiba muta akid minu, uhtiba muta akid nitabhtobay netak fil hitta al sahya.

دفع بلا احتكاك ومتاجر بلا طوابير

SPEAKER_01 24:16

Ana andiswal trends ilinta shafha hatib amauguda fichilel senat ngain for usingl technology our AI for magal payments our financial technology ammat.

SPEAKER_00 24:28

L trend lmauguda maiman uh letal payment. And nest ma ba e it a few waf ametal payment, we nil q still ya ni ana shaf and trend up tilf service checkout, our nana ashtriel haget wa henafika tigibord monzuma, our ecosystem illhawalin amalated dafai. And lwati ana lezim la maggi uhatkalim ma mahela shen ashuf zay hat fa ka kamil, mishbas and nana hashuf l items aw q, awl kashir, ana munkin yib adlati ashufze furlug haz yi scanal haggedi automatically, weqsum minal application btatu awisdemil tokenization. Niptidi ni shof zayb afi in nana a pre-order, ablumuh, astenimil hega, wana already dafat. Al guz ipta l-dafa il wida trend lhatla imeshib sora gidan, and nayzayib amur lehna bin ulu frictionless we ba asra. Wada hai said l to gorba, lness hobbal mahallet, and il qi il badan mahawa be serve ashara fid ey serve ashrin fidiyy. Maybashvi tawbir la winta the fat badri la winta tahaya al kida busma aya ala andta the supermarket, supermarket, utul manta meshi, el kamera pta gdaya, sawartoha, wa tata fil uh fil uh fil basket. Tamam, ubaadin winta herig, listam karakish, okay, dustulu pay, uh roughtenough sakbit tokenization, uharak, uhalosum shit.

SPEAKER_01 26:14

Uh, Shwanda sa uhsutia will technology uh nikalum octor filharal gay alah l tethir ala al-sharikatl we had muhim aw shiket sahirum ta'usata, um magal payment we ill hayas al-fiha

أهم الخلاصات وكيف تشاركنا سؤالك

SPEAKER_01 26:30

with zail mawada muhim giddan li al-sharikat al Sahira winasam al business with entrepreneurs, our wadl amel, we sawa borra al-magelda okay with tethir al Mahdada Aliu. Inshallah, uh Sudan Hana Kalim Fiha, unshallah, la went up Tabana, Tashta Mal Sherl Halaa, Ktiblena ful comments awanak Aisualia, Al Mohandis Muhammad, Wunshuf Hala Agdida, we inshallah alhalgaya Hanikalim ala, il SMEshikat Sahira Mut Sutta with a thir Megal Technologia il payment almutali. Samari.