{"id":4603,"date":"2025-01-31T16:12:19","date_gmt":"2025-01-31T14:12:19","guid":{"rendered":"https:\/\/wikicredit.com.ua\/?p=4603"},"modified":"2025-01-31T16:12:56","modified_gmt":"2025-01-31T14:12:56","slug":"mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini","status":"publish","type":"post","link":"https:\/\/wikicredit.com.ua\/ru\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/","title":{"rendered":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?"},"content":{"rendered":"<p>\u0412 \u043e\u0441\u0442\u0430\u043d\u043d\u0456 \u0440\u043e\u043a\u0438 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043b\u0430\u043d\u0434\u0448\u0430\u0444\u0442 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0437\u0430\u0437\u043d\u0430\u0432 \u0441\u0443\u0442\u0442\u0454\u0432\u0438\u0445 \u0437\u043c\u0456\u043d. \u0422\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0435 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u044f\u043a\u0435 \u0434\u0435\u0441\u044f\u0442\u0438\u043b\u0456\u0442\u0442\u044f\u043c\u0438 \u0437\u0430\u043b\u0438\u0448\u0430\u043b\u043e\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u043c \u0456\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u043c \u0448\u0432\u0438\u0434\u043a\u043e\u0433\u043e \u043f\u043e\u0437\u0438\u0447\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u0435\u0439, \u043e\u0442\u0440\u0438\u043c\u0430\u043b\u043e \u043d\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430 \u2013 BNPL (Buy Now Pay Later, \u00ab\u041a\u0443\u043f\u0438 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u0456\u043c\u00bb). \u0427\u0438 \u0441\u0442\u0430\u043d\u0435 \u0446\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043c\u0430\u0439\u0431\u0443\u0442\u043d\u0456\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u0447\u0438 \u0436 \u043c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 (\u041c\u0424\u041e) \u0437\u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0442\u0440\u0438\u043c\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u0446\u0456\u0457, \u0430\u0434\u0430\u043f\u0442\u0443\u044e\u0447\u0438\u0441\u044c \u0434\u043e \u043d\u043e\u0432\u0438\u0445 \u0440\u0435\u0430\u043b\u0456\u0439?<\/p>\n<h2>\u0429\u043e \u0442\u0430\u043a\u0435 BNPL \u0456 \u0447\u0438\u043c \u0432\u0456\u043d \u0432\u0456\u0434\u0440\u0456\u0437\u043d\u044f\u0454\u0442\u044c\u0441\u044f \u0432\u0456\u0434 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0456\u0432?<\/h2>\n<p>BNPL \u2013 \u0446\u0435 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u043c\u043e\u0434\u0435\u043b\u044c, \u044f\u043a\u0430 \u0434\u043e\u0437\u0432\u043e\u043b\u044f\u0454 \u043a\u043b\u0456\u0454\u043d\u0442\u0430\u043c \u0437\u0434\u0456\u0439\u0441\u043d\u044e\u0432\u0430\u0442\u0438 \u043f\u043e\u043a\u0443\u043f\u043a\u0438, \u043d\u0435 \u043e\u043f\u043b\u0430\u0447\u0443\u044e\u0447\u0438 \u0457\u0445 \u043e\u0434\u0440\u0430\u0437\u0443. \u041d\u0430\u0442\u043e\u043c\u0456\u0441\u0442\u044c \u0441\u0443\u043c\u0430 \u0440\u043e\u0437\u0431\u0438\u0432\u0430\u0454\u0442\u044c\u0441\u044f \u043d\u0430 \u043a\u0456\u043b\u044c\u043a\u0430 \u0440\u0456\u0432\u043d\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0456\u0432 \u0431\u0435\u0437 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u0456\u0432 (\u0437\u0430 \u0443\u043c\u043e\u0432\u0438 \u0441\u0432\u043e\u0454\u0447\u0430\u0441\u043d\u043e\u0433\u043e \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u043d\u044f). \u0426\u0435 \u0432\u0438\u0433\u0456\u0434\u043d\u0430 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u0430 \u0434\u043b\u044f \u0442\u0438\u0445, \u0445\u0442\u043e \u0445\u043e\u0447\u0435 \u043a\u0443\u043f\u0443\u0432\u0430\u0442\u0438 \u0442\u043e\u0432\u0430\u0440\u0438 \u0442\u0443\u0442 \u0456 \u0437\u0430\u0440\u0430\u0437, \u043d\u0435 \u043f\u0435\u0440\u0435\u043f\u043b\u0430\u0447\u0443\u044e\u0447\u0438 \u0437\u0430 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u0438, \u044f\u043a \u0443 \u0432\u0438\u043f\u0430\u0434\u043a\u0443 \u043c\u0456\u043a\u0440\u043e\u043f\u043e\u0437\u0438\u043a.<\/p>\n<p>\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438, \u0443 \u0441\u0432\u043e\u044e \u0447\u0435\u0440\u0433\u0443, \u0454 \u043a\u043b\u0430\u0441\u0438\u0447\u043d\u0438\u043c \u0440\u0456\u0448\u0435\u043d\u043d\u044f\u043c \u0434\u043b\u044f \u0442\u0435\u0440\u043c\u0456\u043d\u043e\u0432\u043e\u0433\u043e \u043e\u0442\u0440\u0438\u043c\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u0435\u0439. \u0412\u043e\u043d\u0438 \u0432\u0438\u0434\u0430\u044e\u0442\u044c\u0441\u044f \u043d\u0430 \u043a\u043e\u0440\u043e\u0442\u043a\u0438\u0439 \u0442\u0435\u0440\u043c\u0456\u043d \u043f\u0456\u0434 \u0432\u0456\u0434\u0441\u043e\u0442\u043e\u043a, \u0449\u043e \u043c\u043e\u0436\u0435 \u0431\u0443\u0442\u0438 \u0437\u043d\u0430\u0447\u043d\u0438\u043c, \u0430\u043b\u0435 \u0433\u043e\u043b\u043e\u0432\u043d\u0430 \u043f\u0435\u0440\u0435\u0432\u0430\u0433\u0430 \u2013 \u0448\u0432\u0438\u0434\u043a\u0456\u0441\u0442\u044c \u0456 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u0456\u0441\u0442\u044c \u043d\u0430\u0432\u0456\u0442\u044c \u0434\u043b\u044f \u0442\u0438\u0445, \u0443 \u043a\u043e\u0433\u043e \u043d\u0435\u043c\u0430\u0454 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0457 \u0456\u0441\u0442\u043e\u0440\u0456\u0457. \u041e\u0434\u043d\u0438\u043c \u0437 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043d\u0438\u043a\u0456\u0432 \u0443\u043a\u0440\u0430\u0457\u043d\u0441\u044c\u043a\u0438\u0445 \u041c\u0424\u041e \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0439 \u0454 CreditPlus, \u043d\u0430 \u0457\u0445 \u0441\u0430\u0439\u0442\u0456 \u0432\u0438 \u043c\u043e\u0436\u0435\u0442\u0435 \u043e\u0442\u0440\u0438\u043c\u0430\u0442\u0438 <a href=\"https:\/\/creditplus.ua\/mikrokredyt\">\u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442<\/a>, \u0430\u0431\u043e \u043f\u0440\u043e\u0441\u0442\u043e \u043e\u0437\u043d\u0430\u0439\u043e\u043c\u0438\u0442\u0438\u0441\u044c, \u044f\u043a \u043f\u0440\u0430\u0446\u044e\u0454 \u0441\u0435\u0440\u0432\u0456\u0441.<\/p>\n<h3>\u0413\u043e\u043b\u043e\u0432\u043d\u0456 \u0432\u0456\u0434\u043c\u0456\u043d\u043d\u043e\u0441\u0442\u0456 \u043c\u0456\u0436 \u0434\u0432\u043e\u043c\u0430 \u043c\u043e\u0434\u0435\u043b\u044f\u043c\u0438<\/h3>\n<ul>\n<li>BNPL \u0437\u0430\u0437\u0432\u0438\u0447\u0430\u0439 \u043d\u0435 \u043f\u0435\u0440\u0435\u0434\u0431\u0430\u0447\u0430\u0454 \u0432\u0456\u0434\u0441\u043e\u0442\u043a\u0456\u0432 (\u044f\u043a\u0449\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0456 \u0432\u0447\u0430\u0441\u043d\u0456), \u043c\u0456\u043a\u0440\u043e\u043f\u043e\u0437\u0438\u043a\u0438 \u2013 \u0442\u0430\u043a.<\/li>\n<li>BNPL \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u043e\u0432\u0443\u0454\u0442\u044c\u0441\u044f \u0434\u043b\u044f \u043a\u0443\u043f\u0456\u0432\u043b\u0456 \u0442\u043e\u0432\u0430\u0440\u0456\u0432 \u0456 \u043f\u043e\u0441\u043b\u0443\u0433, \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u2013 \u0434\u043b\u044f \u0431\u0443\u0434\u044c-\u044f\u043a\u0438\u0445 \u043f\u043e\u0442\u0440\u0435\u0431.<\/li>\n<li>\u041c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 \u0432\u0438\u0434\u0430\u044e\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u043d\u043e \u0432\u0441\u0456\u043c \u043f\u043e\u0432\u043d\u043e\u043b\u0456\u0442\u043d\u0456\u043c \u0433\u0440\u043e\u043c\u0430\u0434\u044f\u043d\u0430\u043c, BNPL \u043f\u043e\u0442\u0440\u0435\u0431\u0443\u0454 \u043f\u0435\u0440\u0435\u0432\u0456\u0440\u043a\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0441\u043f\u0440\u043e\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0456.<\/li>\n<\/ul>\n<h3>BNPL \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456: \u0445\u0442\u043e \u0432\u0436\u0435 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u0454 \u0446\u044e \u043f\u043e\u0441\u043b\u0443\u0433\u0443?<\/h3>\n<p>BNPL \u0430\u043a\u0442\u0438\u0432\u043d\u043e \u043d\u0430\u0431\u0438\u0440\u0430\u0454 \u043e\u0431\u0435\u0440\u0442\u0456\u0432 \u0443 \u0441\u0432\u0456\u0442\u0456, \u0456 \u0423\u043a\u0440\u0430\u0457\u043d\u0430 \u043d\u0435 \u0441\u0442\u0430\u043b\u0430 \u0432\u0438\u043d\u044f\u0442\u043a\u043e\u043c. \u0423\u0436\u0435 \u0441\u044c\u043e\u0433\u043e\u0434\u043d\u0456 \u0446\u044e \u043f\u043e\u0441\u043b\u0443\u0433\u0443 \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u044e\u0442\u044c \u0442\u0430\u043a\u0456 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457, \u044f\u043a Monobank (\u00ab\u0421\u043f\u043b\u0456\u0442\u00bb), PrivatBank (\u00ab\u041e\u043f\u043b\u0430\u0442\u0430 \u0447\u0430\u0441\u0442\u0438\u043d\u0430\u043c\u0438\u00bb), \u0430 \u0442\u0430\u043a\u043e\u0436 \u043c\u0456\u0436\u043d\u0430\u0440\u043e\u0434\u043d\u0456 \u0441\u0435\u0440\u0432\u0456\u0441\u0438, \u0449\u043e \u0437\u0430\u0445\u043e\u0434\u044f\u0442\u044c \u043d\u0430 \u0440\u0438\u043d\u043e\u043a. \u0412\u0441\u0435 \u0431\u0456\u043b\u044c\u0448\u0435 \u043e\u043d\u043b\u0430\u0439\u043d-\u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0456\u0432 \u0456\u043d\u0442\u0435\u0433\u0440\u0443\u044e\u0442\u044c BNPL \u044f\u043a \u043e\u043f\u0446\u0456\u044e \u043e\u043f\u043b\u0430\u0442\u0438.<\/p>\n<p>\u0417\u0433\u0456\u0434\u043d\u043e \u0437 \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u043d\u044f\u043c [\u043d\u0430\u0437\u0432\u0430 \u0434\u0436\u0435\u0440\u0435\u043b\u0430], \u0447\u0430\u0441\u0442\u043a\u0430 BNPL-\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0456\u0439 \u0443 2023 \u0440\u043e\u0446\u0456 \u0437\u0440\u043e\u0441\u043b\u0430 \u043d\u0430 35% \u0443 \u043f\u043e\u0440\u0456\u0432\u043d\u044f\u043d\u043d\u0456 \u0437 \u043f\u043e\u043f\u0435\u0440\u0435\u0434\u043d\u0456\u043c \u0440\u043e\u043a\u043e\u043c, \u0456 \u0446\u044f \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0456\u044f \u043f\u0440\u043e\u0434\u043e\u0432\u0436\u0443\u0454 \u0440\u043e\u0437\u0432\u0438\u0432\u0430\u0442\u0438\u0441\u044f.<\/p>\n<h3>\u0427\u0438 \u0437\u043c\u043e\u0436\u0443\u0442\u044c \u041c\u0424\u041e \u0430\u0434\u0430\u043f\u0442\u0443\u0432\u0430\u0442\u0438\u0441\u044f?<\/h3>\n<p>\u0427\u0438 \u043e\u0437\u043d\u0430\u0447\u0430\u0454 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u0456\u0441\u0442\u044c BNPL \u043a\u0456\u043d\u0435\u0446\u044c \u043c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u044f? \u041d\u0430\u0432\u0440\u044f\u0434 \u0447\u0438. \u0410\u043b\u0435 \u041c\u0424\u041e \u0434\u0456\u0439\u0441\u043d\u043e \u0437\u043c\u0443\u0448\u0435\u043d\u0456 \u0437\u043c\u0456\u043d\u044e\u0432\u0430\u0442\u0438 \u0441\u0432\u043e\u0457 \u043f\u0456\u0434\u0445\u043e\u0434\u0438. \u0414\u0435\u044f\u043a\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 \u0432\u0436\u0435 \u0440\u043e\u0437\u0433\u043b\u044f\u0434\u0430\u044e\u0442\u044c \u0433\u0456\u0431\u0440\u0438\u0434\u043d\u0456 \u043c\u043e\u0434\u0435\u043b\u0456, \u043f\u043e\u0454\u0434\u043d\u0443\u044e\u0447\u0438 \u043a\u043b\u0430\u0441\u0438\u0447\u043d\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f \u0437 BNPL. \u041d\u0430\u043f\u0440\u0438\u043a\u043b\u0430\u0434, \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457 \u043c\u043e\u0436\u0443\u0442\u044c \u043f\u0440\u043e\u043f\u043e\u043d\u0443\u0432\u0430\u0442\u0438 \u043a\u043b\u0456\u0454\u043d\u0442\u0430\u043c \u043c\u0456\u043a\u0440\u043e\u043f\u043e\u0437\u0438\u043a\u0443 \u0437 \u043c\u043e\u0436\u043b\u0438\u0432\u0456\u0441\u0442\u044e \u0431\u0435\u0437\u0432\u0456\u0434\u0441\u043e\u0442\u043a\u043e\u0432\u043e\u0457 \u0440\u043e\u0437\u0441\u0442\u0440\u043e\u0447\u043a\u0438 \u043d\u0430 \u043f\u0435\u0432\u043d\u0438\u0439 \u043f\u0435\u0440\u0456\u043e\u0434.<\/p>\n<p>\u041c\u0424\u041e \u0442\u0430\u043a\u043e\u0436 \u043c\u0430\u044e\u0442\u044c \u043f\u0435\u0440\u0435\u0432\u0430\u0433\u0443 \u0432 \u0448\u0432\u0438\u0434\u043a\u043e\u0441\u0442\u0456 \u043e\u0431\u0440\u043e\u0431\u043a\u0438 \u0437\u0430\u044f\u0432\u043e\u043a \u0456 \u0448\u0438\u0440\u043e\u043a\u0456\u0439 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u0441\u0442\u0456 \u2013 \u0441\u0430\u043c\u0435 \u0446\u0456 \u0444\u0430\u043a\u0442\u043e\u0440\u0438 \u0434\u043e\u0437\u0432\u043e\u043b\u044f\u0442\u044c \u0457\u043c \u0437\u0431\u0435\u0440\u0435\u0433\u0442\u0438 \u0441\u0432\u043e\u044e \u043d\u0456\u0448\u0443. \u041a\u0440\u0456\u043c \u0442\u043e\u0433\u043e, BNPL \u043d\u0435 \u0437\u0430\u0432\u0436\u0434\u0438 \u043f\u043e\u043a\u0440\u0438\u0432\u0430\u0454 \u0442\u0435\u0440\u043c\u0456\u043d\u043e\u0432\u0456 \u043f\u043e\u0442\u0440\u0435\u0431\u0438 \u0432 \u0433\u043e\u0442\u0456\u0432\u0446\u0456, \u0442\u043e\u0434\u0456 \u044f\u043a \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u0434\u0430\u044e\u0442\u044c \u0437\u043c\u043e\u0433\u0443 \u043e\u0442\u0440\u0438\u043c\u0430\u0442\u0438 \u0433\u0440\u043e\u0448\u0456 \u043f\u0440\u044f\u043c\u043e \u043d\u0430 \u043a\u0430\u0440\u0442\u0443 \u0431\u0435\u0437 \u043f\u0440\u0438\u0432\u2019\u044f\u0437\u043a\u0438 \u0434\u043e \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0443.<\/p>\n<h3>\u0425\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435?<\/h3>\n<p>BNPL \u0456 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 \u2013 \u043d\u0435 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0438, \u0430 \u0448\u0432\u0438\u0434\u0448\u0435 \u0434\u0432\u0456 \u0441\u0442\u043e\u0440\u043e\u043d\u0438 \u043e\u0434\u043d\u0456\u0454\u0457 \u043c\u0435\u0434\u0430\u043b\u0456. BNPL \u0456\u0434\u0435\u0430\u043b\u044c\u043d\u0438\u0439 \u0434\u043b\u044f \u043f\u043b\u0430\u043d\u043e\u0432\u0438\u0445 \u043f\u043e\u043a\u0443\u043f\u043e\u043a, \u043c\u0456\u043a\u0440\u043e\u043f\u043e\u0437\u0438\u043a\u0438 \u2013 \u0434\u043b\u044f \u0442\u0435\u0440\u043c\u0456\u043d\u043e\u0432\u0438\u0445 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0445 \u043f\u043e\u0442\u0440\u0435\u0431. \u0428\u0432\u0438\u0434\u0448\u0435 \u0437\u0430 \u0432\u0441\u0435, \u043e\u0431\u0438\u0434\u0432\u0456 \u043c\u043e\u0434\u0435\u043b\u0456 \u0431\u0443\u0434\u0443\u0442\u044c \u0440\u043e\u0437\u0432\u0438\u0432\u0430\u0442\u0438\u0441\u044f \u043f\u0430\u0440\u0430\u043b\u0435\u043b\u044c\u043d\u043e, \u0430 \u0440\u0438\u043d\u043e\u043a \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f \u043f\u043e\u0441\u0442\u0443\u043f\u043e\u0432\u043e \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0443\u0454\u0442\u044c\u0441\u044f.<\/p>\n<p>\u042f\u043a\u0449\u043e \u0432\u0430\u043c \u0442\u0435\u0440\u043c\u0456\u043d\u043e\u0432\u043e \u043f\u043e\u0442\u0440\u0456\u0431\u043d\u0456 \u0433\u0440\u043e\u0448\u0456 \u043d\u0430 \u0431\u0443\u0434\u044c-\u044f\u043a\u0456 \u0446\u0456\u043b\u0456, \u0430 \u043d\u0435 \u043b\u0438\u0448\u0435 \u043d\u0430 \u043f\u043e\u043a\u0443\u043f\u043a\u0443 \u0442\u043e\u0432\u0430\u0440\u0443, \u0432\u0438 \u0437\u0430\u0432\u0436\u0434\u0438 \u043c\u043e\u0436\u0435\u0442\u0435 \u043e\u0444\u043e\u0440\u043c\u0438\u0442\u0438 \u043c\u0456\u043a\u0440\u043e\u043f\u043e\u0437\u0438\u043a\u0443 \u0443 \u043d\u0430\u0434\u0456\u0439\u043d\u0456\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457. \u041f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u0430 \u0437\u0430\u0439\u043c\u0430\u0454 \u0432\u0441\u044c\u043e\u0433\u043e \u043a\u0456\u043b\u044c\u043a\u0430 \u0445\u0432\u0438\u043b\u0438\u043d, \u0456 \u0433\u0440\u043e\u0448\u0456 \u0431\u0443\u0434\u0443\u0442\u044c \u0443 \u0432\u0430\u0441 \u043d\u0430 \u043a\u0430\u0440\u0442\u0446\u0456 \u043c\u0430\u0439\u0436\u0435 \u043c\u0438\u0442\u0442\u0454\u0432\u043e.<\/p>\n<p>\u0424\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u0440\u0438\u043d\u043e\u043a \u0437\u043c\u0456\u043d\u044e\u0454\u0442\u044c\u0441\u044f, \u0430\u043b\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u0430 \u0432 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u043e\u043c\u0443 \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u0456 \u0437\u0430\u043b\u0438\u0448\u0430\u0454\u0442\u044c\u0441\u044f. \u0413\u043e\u043b\u043e\u0432\u043d\u0435 \u2013 \u043e\u0431\u0438\u0440\u0430\u0442\u0438 \u043f\u0435\u0440\u0435\u0432\u0456\u0440\u0435\u043d\u0456 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457 \u0442\u0430 \u043a\u043e\u0440\u0438\u0441\u0442\u0443\u0432\u0430\u0442\u0438\u0441\u044f \u043f\u043e\u0441\u043b\u0443\u0433\u0430\u043c\u0438 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0430\u043b\u044c\u043d\u043e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0412 \u043e\u0441\u0442\u0430\u043d\u043d\u0456 \u0440\u043e\u043a\u0438 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043b\u0430\u043d\u0434\u0448\u0430\u0444\u0442 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0437\u0430\u0437\u043d\u0430\u0432 \u0441\u0443\u0442\u0442\u0454\u0432\u0438\u0445 \u0437\u043c\u0456\u043d. \u0422\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0435 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u044f\u043a\u0435 \u0434\u0435\u0441\u044f\u0442\u0438\u043b\u0456\u0442\u0442\u044f\u043c\u0438 \u0437\u0430\u043b\u0438\u0448\u0430\u043b\u043e\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u043c \u0456\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u043c \u0448\u0432\u0438\u0434\u043a\u043e\u0433\u043e \u043f\u043e\u0437\u0438\u0447\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u0435\u0439, \u043e\u0442\u0440\u0438\u043c\u0430\u043b\u043e \u043d\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430 \u2013 BNPL (Buy Now Pay Later, \u00ab\u041a\u0443\u043f\u0438 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u0456\u043c\u00bb). \u0427\u0438 \u0441\u0442\u0430\u043d\u0435 \u0446\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043c\u0430\u0439\u0431\u0443\u0442\u043d\u0456\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u0447\u0438 \u0436 \u043c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 (\u041c\u0424\u041e) \u0437\u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0442\u0440\u0438\u043c\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u0446\u0456\u0457, \u0430\u0434\u0430\u043f\u0442\u0443\u044e\u0447\u0438\u0441\u044c \u0434\u043e \u043d\u043e\u0432\u0438\u0445 \u0440\u0435\u0430\u043b\u0456\u0439? \u0429\u043e \u0442\u0430\u043a\u0435 BNPL \u0456 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4605,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[142],"class_list":["post-4603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-kredit"],"blocksy_meta":{"post_title_panel":"","has_hero_section":"enabled","6f3329b252c49bd9bc756ec1fdd0377f":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"\u0413\u043e\u043b\u043e\u0432\u043d\u0430"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":true,"meta_elements":[{"id":"author","enabled":true,"label":"\u0412\u0456\u0434","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"\u041d\u0430","date_format_source":"default","date_format":"M j, Y"},{"id":"categories","enabled":true,"label":"\u0423","style":"simple"},{"id":"comments","enabled":true}],"page_meta_elements":{"joined":true,"articles_count":true,"comments":true}},{"id":"breadcrumbs","enabled":false}],"0c6ae86b492d29d5dde6c82c1c9436c7":"","hero_alignment1":"left","hero_margin":{"desktop":50,"tablet":30,"mobile":30},"hero_alignment2":"center","hero_vertical_alignment":"center","7db184735bd7e835b198b6de7e865a56":"","hero_structure":"narrow","3e6e35572d5f8e5aaee9f77530e31dd4":"","page_title_bg_type":"featured_image","custom_hero_background":{"attachment_id":null},"parallax":{"desktop":false,"tablet":false,"mobile":false},"8d03753dff3fbbbb3337bcbf32251d0c":"","hero_height":"250px","pageTitleFont":{"family":"Default","variation":"Default","size":{"desktop":"32px","tablet":"30px","mobile":"25px"},"line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"CT_CSS_SKIP_RULE","text-decoration":"CT_CSS_SKIP_RULE"},"pageTitleFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageMetaFont":{"family":"Default","variation":"n6","size":"12px","line-height":"1.3","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"uppercase","text-decoration":"CT_CSS_SKIP_RULE"},"pageMetaFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"hover":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageExcerptFont":{"family":"Default","variation":"Default","size":"CT_CSS_SKIP_RULE","line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"CT_CSS_SKIP_RULE","text-decoration":"CT_CSS_SKIP_RULE"},"pageExcerptColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"breadcrumbsFont":{"family":"Default","variation":"n6","size":"12px","line-height":"CT_CSS_SKIP_RULE","letter-spacing":"CT_CSS_SKIP_RULE","text-transform":"uppercase","text-decoration":"CT_CSS_SKIP_RULE"},"breadcrumbsFontColor":{"default":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"initial":{"color":"CT_CSS_SKIP_RULEDEFAULT"},"hover":{"color":"CT_CSS_SKIP_RULEDEFAULT"}},"pageTitleOverlay":{"default":{"color":"CT_CSS_SKIP_RULE"}},"pageTitleBackground":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"gradient":"linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%)","background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"overlayColor":{"default":{"color":"CT_CSS_SKIP_RULE"}},"backgroundColor":{"default":{"color":"#EDEFF2"}}},"pageTitlePadding":{"top":"50px","bottom":"50px","left":"auto","right":"auto","linked":true},"4e673b4a93c704da8e1ac47936235bc2":"","page_structure_type":"default","content_style":"inherit","vertical_spacing_source":"inherit","content_area_spacing":"both","background":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"gradient":"linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%)","background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"overlayColor":{"default":{"color":"CT_CSS_SKIP_RULE"}},"backgroundColor":{"default":{"color":"CT_CSS_SKIP_RULE"}}},"content_background":{"background_type":"color","background_pattern":"type-1","background_image":{"attachment_id":null,"x":0,"y":0},"gradient":"linear-gradient(135deg,rgba(6,147,227,1) 0%,rgb(155,81,224) 100%)","background_repeat":"no-repeat","background_size":"auto","background_attachment":"scroll","patternColor":{"default":{"color":"#e5e7ea"}},"overlayColor":{"default":{"color":"CT_CSS_SKIP_RULE"}},"backgroundColor":{"default":{"color":"#ffffff"}}},"content_boxed_shadow":{"inherit":false,"blur":18,"spread":-6,"v_offset":12,"h_offset":0,"inset":false,"enable":true,"color":{"color":"rgba(34, 56, 101, 0.04)"}},"boxed_content_spacing":{"desktop":{"top":"40px","bottom":"40px","left":"40px","right":"40px","linked":true},"tablet":{"top":"35px","bottom":"35px","left":"35px","right":"35px","linked":true},"mobile":{"top":"20px","bottom":"20px","left":"20px","right":"20px","linked":true}},"content_boxed_radius":{"top":"3px","bottom":"3px","left":"3px","right":"3px","linked":true},"5ecdc4c35dcb18fd7b26a1bb4dce69ed":"","disable_featured_image":"no","disable_post_tags":"no","disable_share_box":"no","disable_author_box":"no","disable_posts_navigation":"no","a849485f2ff06ac62ab3b23a9f1907f6":"","disable_related_posts":"no","disable_header":"no","disable_footer":"no"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wikicredit.com.ua\/ru\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?\" \/>\n<meta property=\"og:description\" content=\"\u0412 \u043e\u0441\u0442\u0430\u043d\u043d\u0456 \u0440\u043e\u043a\u0438 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043b\u0430\u043d\u0434\u0448\u0430\u0444\u0442 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0437\u0430\u0437\u043d\u0430\u0432 \u0441\u0443\u0442\u0442\u0454\u0432\u0438\u0445 \u0437\u043c\u0456\u043d. \u0422\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0435 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u044f\u043a\u0435 \u0434\u0435\u0441\u044f\u0442\u0438\u043b\u0456\u0442\u0442\u044f\u043c\u0438 \u0437\u0430\u043b\u0438\u0448\u0430\u043b\u043e\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u043c \u0456\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u043c \u0448\u0432\u0438\u0434\u043a\u043e\u0433\u043e \u043f\u043e\u0437\u0438\u0447\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u0435\u0439, \u043e\u0442\u0440\u0438\u043c\u0430\u043b\u043e \u043d\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430 \u2013 BNPL (Buy Now Pay Later, \u00ab\u041a\u0443\u043f\u0438 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u0456\u043c\u00bb). \u0427\u0438 \u0441\u0442\u0430\u043d\u0435 \u0446\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043c\u0430\u0439\u0431\u0443\u0442\u043d\u0456\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u0447\u0438 \u0436 \u043c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 (\u041c\u0424\u041e) \u0437\u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0442\u0440\u0438\u043c\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u0446\u0456\u0457, \u0430\u0434\u0430\u043f\u0442\u0443\u044e\u0447\u0438\u0441\u044c \u0434\u043e \u043d\u043e\u0432\u0438\u0445 \u0440\u0435\u0430\u043b\u0456\u0439? \u0429\u043e \u0442\u0430\u043a\u0435 BNPL \u0456 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wikicredit.com.ua\/ru\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/\" \/>\n<meta property=\"og:site_name\" content=\"WikiCredit\" \/>\n<meta property=\"article:published_time\" content=\"2025-01-31T14:12:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-31T14:12:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"434\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/\"},\"author\":{\"name\":\"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#\\\/schema\\\/person\\\/5e4a2ffa0881d0e240eb32f8a621d9bc\"},\"headline\":\"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?\",\"datePublished\":\"2025-01-31T14:12:19+00:00\",\"dateModified\":\"2025-01-31T14:12:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/\"},\"wordCount\":452,\"publisher\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg\",\"keywords\":[\"\u041a\u0440\u0435\u0434\u0438\u0442\"],\"articleSection\":[\"\u0411\u043b\u043e\u0433 WikiCredit\"],\"inLanguage\":\"ru-RU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/\",\"url\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/\",\"name\":\"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg\",\"datePublished\":\"2025-01-31T14:12:19+00:00\",\"dateModified\":\"2025-01-31T14:12:56+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#breadcrumb\"},\"inLanguage\":\"ru-RU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ru-RU\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#primaryimage\",\"url\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg\",\"contentUrl\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg\",\"width\":650,\"height\":434,\"caption\":\"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456? \\\/ \u0424\u043e\u0442\u043e: jcomp freepik.com\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Wikicredit\",\"item\":\"https:\\\/\\\/wikicredit.com.ua\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#website\",\"url\":\"https:\\\/\\\/wikicredit.com.ua\\\/\",\"name\":\"WikiCredit\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/wikicredit.com.ua\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ru-RU\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#organization\",\"name\":\"WikiCredit\",\"url\":\"https:\\\/\\\/wikicredit.com.ua\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ru-RU\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2021\\\/08\\\/wikicredit-promo.png\",\"contentUrl\":\"https:\\\/\\\/wikicredit.com.ua\\\/wp-content\\\/uploads\\\/2021\\\/08\\\/wikicredit-promo.png\",\"width\":500,\"height\":366,\"caption\":\"WikiCredit\"},\"image\":{\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/wikicredit.com.ua\\\/#\\\/schema\\\/person\\\/5e4a2ffa0881d0e240eb32f8a621d9bc\",\"name\":\"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e\",\"description\":\"\u042f \u2014 \u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e, \u043a\u043e\u043f\u0456\u0440\u0430\u0439\u0442\u0435\u0440\u043a\u0430 \u0437 \u043e\u043d\u043b\u0430\u0439\u043d \u0437\u0430\u0439\u043d\u044f\u0442\u0456\u0441\u0442\u044e. \u0421\u0442\u0432\u043e\u0440\u044e\u044e \u0442\u0435\u043a\u0441\u0442\u0438 \u0434\u043b\u044f \u043c\u0435\u0434\u0456\u0430 \u043f\u0440\u043e \u0434\u0456\u043c, \u0437\u0434\u043e\u0440\u043e\u0432\u2019\u044f, \u043f\u0441\u0438\u0445\u043e\u043b\u043e\u0433\u0456\u044e \u0442\u0430 \u0441\u0443\u0447\u0430\u0441\u043d\u0456 \u0437\u0432\u0438\u0447\u043a\u0438. \u041b\u044e\u0431\u043b\u044e, \u043a\u043e\u043b\u0438 \u0441\u043b\u043e\u0432\u0430 \u043f\u0440\u0438\u043d\u043e\u0441\u044f\u0442\u044c \u0440\u0435\u0430\u043b\u044c\u043d\u0443 \u043a\u043e\u0440\u0438\u0441\u0442\u044c. \u0422\u043e\u043c\u0443 \u0432 \u043c\u043e\u0457\u0445 \u0442\u0435\u043a\u0441\u0442\u0430\u0445 \u0437\u0430\u0432\u0436\u0434\u0438 \u043c\u043e\u0436\u043d\u0430 \u0437\u043d\u0430\u0439\u0442\u0438 \u0442\u043e\u0447\u043d\u0456 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0456.\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/wikicredit.com.ua\/ru\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/","og_locale":"ru_RU","og_type":"article","og_title":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?","og_description":"\u0412 \u043e\u0441\u0442\u0430\u043d\u043d\u0456 \u0440\u043e\u043a\u0438 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u043b\u0430\u043d\u0434\u0448\u0430\u0444\u0442 \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u0437\u0430\u0437\u043d\u0430\u0432 \u0441\u0443\u0442\u0442\u0454\u0432\u0438\u0445 \u0437\u043c\u0456\u043d. \u0422\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0435 \u043c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u044f\u043a\u0435 \u0434\u0435\u0441\u044f\u0442\u0438\u043b\u0456\u0442\u0442\u044f\u043c\u0438 \u0437\u0430\u043b\u0438\u0448\u0430\u043b\u043e\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u0438\u043c \u0456\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u043c \u0448\u0432\u0438\u0434\u043a\u043e\u0433\u043e \u043f\u043e\u0437\u0438\u0447\u0430\u043d\u043d\u044f \u0433\u0440\u043e\u0448\u0435\u0439, \u043e\u0442\u0440\u0438\u043c\u0430\u043b\u043e \u043d\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430 \u2013 BNPL (Buy Now Pay Later, \u00ab\u041a\u0443\u043f\u0438 \u0437\u0430\u0440\u0430\u0437 \u2013 \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u0456\u043c\u00bb). \u0427\u0438 \u0441\u0442\u0430\u043d\u0435 \u0446\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043c\u0430\u0439\u0431\u0443\u0442\u043d\u0456\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u0443\u0432\u0430\u043d\u043d\u044f, \u0447\u0438 \u0436 \u043c\u0456\u043a\u0440\u043e\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0457 (\u041c\u0424\u041e) \u0437\u043c\u043e\u0436\u0443\u0442\u044c \u0432\u0442\u0440\u0438\u043c\u0430\u0442\u0438 \u043f\u043e\u0437\u0438\u0446\u0456\u0457, \u0430\u0434\u0430\u043f\u0442\u0443\u044e\u0447\u0438\u0441\u044c \u0434\u043e \u043d\u043e\u0432\u0438\u0445 \u0440\u0435\u0430\u043b\u0456\u0439? \u0429\u043e \u0442\u0430\u043a\u0435 BNPL \u0456 [&hellip;]","og_url":"https:\/\/wikicredit.com.ua\/ru\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/","og_site_name":"WikiCredit","article_published_time":"2025-01-31T14:12:19+00:00","article_modified_time":"2025-01-31T14:12:56+00:00","og_image":[{"width":650,"height":434,"url":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg","type":"image\/jpeg"}],"author":"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#article","isPartOf":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/"},"author":{"name":"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e","@id":"https:\/\/wikicredit.com.ua\/#\/schema\/person\/5e4a2ffa0881d0e240eb32f8a621d9bc"},"headline":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?","datePublished":"2025-01-31T14:12:19+00:00","dateModified":"2025-01-31T14:12:56+00:00","mainEntityOfPage":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/"},"wordCount":452,"publisher":{"@id":"https:\/\/wikicredit.com.ua\/#organization"},"image":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#primaryimage"},"thumbnailUrl":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg","keywords":["\u041a\u0440\u0435\u0434\u0438\u0442"],"articleSection":["\u0411\u043b\u043e\u0433 WikiCredit"],"inLanguage":"ru-RU"},{"@type":"WebPage","@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/","url":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/","name":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?","isPartOf":{"@id":"https:\/\/wikicredit.com.ua\/#website"},"primaryImageOfPage":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#primaryimage"},"image":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#primaryimage"},"thumbnailUrl":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg","datePublished":"2025-01-31T14:12:19+00:00","dateModified":"2025-01-31T14:12:56+00:00","breadcrumb":{"@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#breadcrumb"},"inLanguage":"ru-RU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/"]}]},{"@type":"ImageObject","inLanguage":"ru-RU","@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#primaryimage","url":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg","contentUrl":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2025\/01\/Mikrokrediti-vs.-BNPL-hto-peremozhe-v-Ukrayini.jpg","width":650,"height":434,"caption":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456? \/ \u0424\u043e\u0442\u043e: jcomp freepik.com"},{"@type":"BreadcrumbList","@id":"https:\/\/wikicredit.com.ua\/mikrokrediti-vs-bnpl-hto-peremozhe-v-ukrayini\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Wikicredit","item":"https:\/\/wikicredit.com.ua\/"},{"@type":"ListItem","position":2,"name":"\u041c\u0456\u043a\u0440\u043e\u043a\u0440\u0435\u0434\u0438\u0442\u0438 vs. BNPL: \u0445\u0442\u043e \u043f\u0435\u0440\u0435\u043c\u043e\u0436\u0435 \u0432 \u0423\u043a\u0440\u0430\u0457\u043d\u0456?"}]},{"@type":"WebSite","@id":"https:\/\/wikicredit.com.ua\/#website","url":"https:\/\/wikicredit.com.ua\/","name":"WikiCredit","description":"","publisher":{"@id":"https:\/\/wikicredit.com.ua\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wikicredit.com.ua\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ru-RU"},{"@type":"Organization","@id":"https:\/\/wikicredit.com.ua\/#organization","name":"WikiCredit","url":"https:\/\/wikicredit.com.ua\/","logo":{"@type":"ImageObject","inLanguage":"ru-RU","@id":"https:\/\/wikicredit.com.ua\/#\/schema\/logo\/image\/","url":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2021\/08\/wikicredit-promo.png","contentUrl":"https:\/\/wikicredit.com.ua\/wp-content\/uploads\/2021\/08\/wikicredit-promo.png","width":500,"height":366,"caption":"WikiCredit"},"image":{"@id":"https:\/\/wikicredit.com.ua\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/wikicredit.com.ua\/#\/schema\/person\/5e4a2ffa0881d0e240eb32f8a621d9bc","name":"\u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e","description":"\u042f \u2014 \u0406\u0440\u0438\u043d\u0430 \u041a\u0440\u0430\u0432\u0447\u0435\u043d\u043a\u043e, \u043a\u043e\u043f\u0456\u0440\u0430\u0439\u0442\u0435\u0440\u043a\u0430 \u0437 \u043e\u043d\u043b\u0430\u0439\u043d \u0437\u0430\u0439\u043d\u044f\u0442\u0456\u0441\u0442\u044e. \u0421\u0442\u0432\u043e\u0440\u044e\u044e \u0442\u0435\u043a\u0441\u0442\u0438 \u0434\u043b\u044f \u043c\u0435\u0434\u0456\u0430 \u043f\u0440\u043e \u0434\u0456\u043c, \u0437\u0434\u043e\u0440\u043e\u0432\u2019\u044f, \u043f\u0441\u0438\u0445\u043e\u043b\u043e\u0433\u0456\u044e \u0442\u0430 \u0441\u0443\u0447\u0430\u0441\u043d\u0456 \u0437\u0432\u0438\u0447\u043a\u0438. \u041b\u044e\u0431\u043b\u044e, \u043a\u043e\u043b\u0438 \u0441\u043b\u043e\u0432\u0430 \u043f\u0440\u0438\u043d\u043e\u0441\u044f\u0442\u044c \u0440\u0435\u0430\u043b\u044c\u043d\u0443 \u043a\u043e\u0440\u0438\u0441\u0442\u044c. \u0422\u043e\u043c\u0443 \u0432 \u043c\u043e\u0457\u0445 \u0442\u0435\u043a\u0441\u0442\u0430\u0445 \u0437\u0430\u0432\u0436\u0434\u0438 \u043c\u043e\u0436\u043d\u0430 \u0437\u043d\u0430\u0439\u0442\u0438 \u0442\u043e\u0447\u043d\u0456 \u0432\u0456\u0434\u043f\u043e\u0432\u0456\u0434\u0456."}]}},"_links":{"self":[{"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/posts\/4603","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/comments?post=4603"}],"version-history":[{"count":1,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/posts\/4603\/revisions"}],"predecessor-version":[{"id":4604,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/posts\/4603\/revisions\/4604"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/media\/4605"}],"wp:attachment":[{"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/media?parent=4603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/categories?post=4603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wikicredit.com.ua\/ru\/wp-json\/wp\/v2\/tags?post=4603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}