OTP ᑎᑭᙱᖦᖢᓂ: 12 ᐱᔾᔪᑕᐅᒐᔪᒃᑐᑦ ᐊᒻᒪ ᑐᙵᕕᖕᒧᑦ−ᑐᕌᖓᓪᓗᐊᑕᖅᑐᑦ ᐋᖅᑭᒍᑎᑦ ᐱᙳᐊᕈᑎᓄᑦ, Fintech, ᐊᒻᒪ ᐃᓄᖕᓄᑦ ᑐᓴᐅᒪᔪᓕᕆᔾᔪᑎᓄᑦ

ᐊᑐᕐᓂᖃᑦᑎᐊᖅᑐᒥ, ᖃᐅᔨᔾᔪᑕᐅᓯᒪᔪᓂ−ᐊᐅᓚᑕᐅᔪᒥ ᒪᓕᒃᑕᐅᕙᓪᓕᐊᕙᒃᑐᖅ ᐊᑕᐅᓯᐊᕐᓗᓂ ᐃᓯᕈᓐᓇᐅᑎᓂᒃ ᓴᖅᑭᑦᑐᖃᓪᓚᕆᒍᓐᓇᕐᒪᖔᑦ−ᑭᓱᑦ ᓱᕋᒃᐸᖕᒪᖔᑕ, ᖃᓄᖅ ᐋᖅᑭᒍᓐᓇᕐᒪᖔᑦ (ᓱᒃᑲᔪᒃᑯᑦ), ᖃᓄᕐᓗ ᑐᖅᑯᖅᓯᓯᒪᕝᕕᒋᔭᐅᔪᑦ ᐊᑐᖅᑕᐅᒃᑲᓐᓂᕈᓐᓇᕐᒪᖔᑕ ᐱᙳᐊᕈᑎᓄᑦ, Fintech−ᑯᓐᓄᑦ, ᑭᒃᑯᑐᐃᓐᓇᓄᓪᓗ ᐊᑐᖅᑕᐅᕙᒃᑐᓄᑦ.

ᐃᓯᕐᕕᐅᑲᐅᖅᑐᕈᓐᓇᕐᓂᖅ
TL; DR / ᐱᓪᓗᐊᑕᐃᑦ ᐱᔭᐅᔪᑦ
OTP−ᒧᑦ ᑲᔪᓯᑎᑕᐅᔪᓐᓇᕐᓂᖓ ᑕᑎᒋᔭᒃᓴᐅᑎᓪᓗᒍ
ᐋᖅᑭᑲᐅᖅᑐᕐᓗᒍ, ᖃᓄᐃᓕᐅᖅᐸᓪᓕᐊᓂᖅ
ᐱᙳᐊᕐᓂᕐᒧᑦ ᑐᙵᕕᒋᔭᐅᔪᑦ: ᑭᓱᑦ ᓱᕋᒐᔪᒃᐸᖕᒪᖔᑕ
Fintech Apps: OTPs ᐊᔪᓕᖅᑎᑕᐅᒑᖓᑕ
ᐃᓅᖃᑎᒌᒃᑐᓄᑦ ᑐᓴᐅᒪᖃᑎᒌᒍᑎᑦ: ᓇᓗᓇᐃᒃᑯᑕᑦ ᑎᑭᓚᐅᖅᓯᒪᙱᑦᑐᑦ
ᓂᕈᐊᕐᓗᑎᑦ ᓈᒻᒪᒃᑐᒥᒃ ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᐊᑯᓂᐅᑎᒋᔪᓐᓇᕐᓂᖓᓂᒃ
ᑮᓇᐅᔭᖁᑎᖃᕐᕖᑦ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᑎᓪᓗᒋᑦ
ᐊᔪᓕᖅᓯᒪᔪᒥᒃ ᐋᖅᑭᒃᓯᓇᓱᒍᓐᓇᖅᐳᑎᑦ ᐊᔪᙱᑦᑐᑎᑐᑦ
12-ᖑᔪᑦ ᐱᔾᔪᑕᐅᔪᑦ—ᓄᓇᙳᐊᓕᐅᖅᓯᒪᔪᑦ ᐱᙳᐊᕈᑎᓄᑦ/Fintech/ᐃᓅᖃᑎᒌᓄᑦ
ᐊᔪᕆᖅᓲᔾᔨᓂᖅ — ᐊᐅᓚᑦᑎᓗᓂ ᐊᑐᕈᓐᓇᑦᑎᐊᖅᑐᒥᒃ OTP−ᒧᑦ ᐱᓕᕆᖃᑎᒌᖕᓂᕐᒥᒃ
ᐊᐱᖅᑯᑕᐅᒐᔪᒃᑐᑦ
ᐃᓱᓕᓐᓂᖓ — ᖃᓄᐃᓕᖓᓂᖓ

TL; DR / ᐱᓪᓗᐊᑕᐃᑦ ᐱᔭᐅᔪᑦ

• ᑕᒪᕐᒥᑲᓴᒃ "OTP ᐱᔭᐅᓯᒪᙱᑦᑐᑦ" ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᑦ ᐅᑯᓇᙵᑦ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᕐᒧᑦ ᐃᒐᓛᒃᑯᑦ ᓄᖅᑲᖅᑎᑦᑎᓂᕐᒥᒃ, ᐊᐅᓪᓚᖅᑎᑦᑎᔪᖅ/ᐊᐅth ᐊᔪᓕᖅᓯᒪᓂᖏᓐᓂᒃ, ᐱᑎᑕᐅᔪᖅ greylisting, ᐅᕝᕙᓘᓐᓃᑦ domain blocks.
• ᐱᓕᕆᓗᑎᑦ ᐋᖅᑭᒃᓱᖅᓯᒪᑦᑎᐊᖅᑐᒥᒃ ᐃᖏᕐᕋᓂᕆᔭᐅᔪᒥᒃ: ᒪᑐᐃᕐᓗᒍ ᑎᑎᖅᑲᒃᑯᕕᒃ → ᐱᔪᒪᔾᔪᑕᐅᔪᖅ ᐊᑕᐅᓯᐊᕐᓗᒍ → ᐅᑕᖅᑭᓗᓂ 60-90−ᓄᑦ → ᐊᑕᐅᓯᐊᕐᓗᓂ ᓇᒃᓯᐅᑎᒃᑲᓐᓂᕐᓗᒍ → ᑭᐳᒃᑎᑉᐸᒡᓗᒍ → ᑎᑎᕋᕐᓗᒍ ᐋᖅᑭᒍᑎ ᑭᖑᓪᓕᕐᒧᑦ.
• ᓂᕈᐊᕐᓗᒍ ᓈᒻᒪᒃᑐᖅ ᑎᑎᖅᑲᒃᑯᕕᒃ ᖃᓄᖅ ᐊᑯᓂᐅᑎᒋᔪᖅ ᐊᑐᖅᑕᐅᔪᓐᓇᕐᒪᖔᑦ: ᕿᓚᒥᑯᓗᒃ ᐃᒋᑕᐅᔪᓐᓇᖅᑐᒥᒃ ᑎᑎᖅᑲᒃᑯᕕᖕᒥ ᓱᒃᑲᓕᓂᖅᓴᐅᓗᓂ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᙱᖔᕐᓗᓂ ᑐᕌᕈᑎ (ᓇᓗᓇᐃᒃᑯᑕᖃᕐᓗᓂ) ᓯᕗᓂᒃᓴᒥ ᓇᓗᓇᐃᖅᑕᐅᒃᑲᓐᓂᕈᑎᒃᓴᓄᑦ ᐊᒻᒪ ᐱᖁᑎᓄᑦ ᖃᐅᔨᒋᐊᖅᑕᐅᔾᔪᑎᓄᑦ.
• ᓯᐊᒻᒪᒃᑎᕆᓂᖅ ᐊᑦᑕᕐᓇᖅᑐᓂᒃ ᐃᓂᒋᔭᖓᑕ ᓂᑭᑦᑖᕐᓂᖓᓄᑦ ᐱᓪᓚᕆᐅᔪᒥ ᐃᓯᖅᐸᓪᓕᐊᔪᒥ ᕿᒥᕐᓗᖕᒥ; ᑲᑎᙵᑦᑎᐊᖏᓐᓇᕐᓗᑎᑦ; ᑐᓗᖅᑕᙱᓪᓗᒍ ᓇᒃᓯᐅᑎᒃᑲᓐᓂᕐᓗᒍ ᓇᕿᑦᑕᕆᐊᓕᒃ.
• Fintech−ᑯᓐᓄᑦ, ᓂᕆᐅᖕᓂᐊᖅᐳᑎᑦ ᓴᙱᓂᖅᓴᓂᒃ ᓱᕈᔾᔭᐃᒃᑯᑎᓂᒃ; ᐊᓯᐊᒎᕐᕕᖃᕐᓗᑎᑦ (app-based ᐅᕝᕙᓘᓐᓃᑦ hardware key) ᐊᑐᐃᓐᓇᐅᓗᑎᒃ ᐃᕐᖐᓐᓈᖅᑕᐅᒃᑯᑦ ᑎᑎᕋᖃᑦᑕᐅᑎᕝᕕᒃᑯᑦ OTP ᓄᖅᑲᖅᑎᑕᐅᒃᐸᑦ.

OTP−ᒧᑦ ᑲᔪᓯᑎᑕᐅᔪᓐᓇᕐᓂᖓ ᑕᑎᒋᔭᒃᓴᐅᑎᓪᓗᒍ

ᐱᒋᐊᕈᑎᖃᕈᓐᓇᖅᐳᑎᑦ ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᐱᐅᓯᖏᓐᓂᒃ ᐊᒻᒪ ᐊᐅᓚᔪᓐᓇᐅᑎᓄᑦ ᐱᔾᔪᑕᐅᔪᓂᒃ ᐊᒃᑐᐃᕐᔪᐊᖅᑐᓂᒃ ᓇᓗᓇᐃᒃᑯᑕᖅ ᐊᑐᓕᖅᑎᑕᐅᑲᐅᖅᑐᕋᓗᐊᕐᒪᖔᑦ.

ᑐᓂᓯᔪᓐᓇᕐᓂᖅ ᐱᒋᐊᓲᖑᕗᖅ ᓇᕿᓚᐅᙱᓐᓂᕐᓂ 'ᓇᒃᓯᐅᑎᓗᒍ ᓇᓗᓇᐃᒃᑯᑖ'. ᐊᑐᖅᐸᒡᓗᑎᑦ ᑎᑎᖅᑲᒃᑯᕕᖕᒥ ᐊᔪᕐᓇᙱᑦᑐᒥᒃ ᖃᐅᔨᓴᕈᑎᓄᑦ ᐱᔭᐅᔪᓐᓇᖅᑐᒥᒃ ᐊᒻᒪ ᐊᔪᕐᓇᙱᖦᖢᓂ ᓇᐅᑦᑎᖅᓱᕆᐊᒃᓴᖅ ᐃᕐᖐᓐᓇᖅ. ᐱᒋᐊᕈᑎᑦᑎᐊᕙᒃ ᑎᑎᖅᑲᓂᐊᕐᕕᒃᑯᑦ ᑐᙵᕕᒋᔭᐅᔪᑦ−ᑭᓲᖕᒪᖔᑕ ᑖᒃᑯᐊ ᑎᑎᖅᑲᒃᑯᕕᒃ, ᖃᓄᖅ ᐱᓕᕆᓲᖑᖕᒪᖔᑕ, ᐊᒻᒪ ᖃᓄᖅ ᑎᑎᖅᑲᑦ ᓴᖅᑭᖃᑦᑕᕐᒪᖔᑕ ᒫᓐᓇᑲᐅᑎᒋ (ᑕᑯᓗᒍ ᑎᑎᖅᑲᒃᑯᕕᐅᓚᐅᑲᒃᑐᓄᑦ ᑐᙵᕕᒋᔭᐅᔪᑦ). ᑲᔪᓰᓐᓇᕆᐊᖃᓕᕌᖓᕕᑦ (ᓲᕐᓗ, ᐅᖃᓘᑎᕋᓛᑦ ᖃᐅᔨᒋᐊᕐᓗᒋᑦ, ᐃᓯᕈᓐᓇᐅᑎᑦ ᐋᖅᑭᒋᐊᖅᑕᐅᓗᑎᒃ), ᐊᑐᒃᑲᓐᓂᕐᓗᒍ ᑐᕌᕈᑎᒋᓚᐅᑲᒃᑕᐃᑦ ᑐᖅᑯᖅᑕᐅᓯᒪᔪᒃᑯᑦ ᓇᓗᓇᐃᒃᑯᑕᒃᑯᑦ ᑐᙵᕕᒋᔭᐅᔪᑦ ᐃᓕᓴᖅᓯᔪᓐᓇᕐᓂᐊᕐᒪᑕ ᑖᔅᓱᒥᖓᔅᓴᐃᓐᓇᖅ ᑐᕌᕈᑎᒥᒃ ᐱᓕᕆᓂᓕᒫᕐᓂ (ᑕᑯᓗᒍ 'ᐊᑐᒃᑲᓐᓂᕐᓗᒍ ᑐᕌᕈᑎᒋᓚᐅᖅᑕᐃᑦ').

ᓄᓇᓖᑦ ᐊᑐᖅᐸᒃᑕᖏᑦ ᐊᐅᓚᔪᓐᓇᖁᓪᓗᒋᑦ ᐊᑑᑎᖃᖅᐳᑦ. ᐃᓯᖅᐸᓪᓕᐊᔪᑦ ᑐᙵᕕᖏᑦ ᓴᙱᔪᒥᒃ ᖃᐅᔨᒪᔭᐅᓂᖃᖅᑐᑦ (ᓲᕐᓗ, Google–MX–routed domains) ᒥᒃᖠᒋᐊᖅᑎᑦᑎᒐᔪᒃᐳᑦ "ᖃᐅᔨᒪᔭᐅᙱᑦᑐᒥᒃ ᓇᒃᓯᐅᔾᔨᔪᒥᒃ" ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᓂᒃ, ᓱᒃᑲᓕᒋᐊᖅᑎᑦᑎᕙᒃᖢᑎᒃ ᐱᓇᔪᒃᑲᓐᓂᕐᓂᕐᓂᒃ ᖄᖏᖅᓯᔪᖃᓚᐅᖅᑎᓪᓗᒍ, ᑲᔪᓯᑎᑦᑎᕙᒃᖢᑎᒡᓗ ᐊᑕᐅᓰᓐᓇᒃᑰᖅᑎᑦᑎᓂᕐᒥᒃ ᐱᔭᒃᓴᖃᕋᓗᐊᖅᑎᓪᓗᒋᑦ. ᖃᐅᔨᔪᒪᒍᕕᑦ ᖃᓄᐃᒻᒪᑦ ᑕᒪᓐᓇ ᐃᑲᔫᑎᖃᕐᒪᖔᑦ, ᐅᖃᓕᒫᕈᒃ ᐅᓇ ᐅᓂᒃᑳᖅᓯᒪᔪᖅ ᖃᓄᐃᒻᒪᑦ Google-MX ᐱᒻᒪᕆᐅᖕᒪᖔᑦ ᐃᓯᖅᐸᓪᓕᐊᔪᓄᑦ ᐱᓕᕆᕙᓪᓕᐊᓂᕐᒧᑦ (ᑕᑯᓗᒍ ᖃᓄᐃᒻᒪᑦ Google-MX ᐱᒻᒪᕆᐅᖕᒪᖔᑦ).

ᒪᕐᕉᒃ ᐃᓅᑉ ᐃᓕᖅᑯᓯᕆᒐᔪᒃᑕᖏᑦ ᐊᔾᔨᒌᙱᑎᑦᑎᔪᓐᓇᖅᑑᒃ:

• ᑎᑎᖅᑲᒃᑯᕕᒃ ᒪᑐᐃᙶᖅᑎᑉᐸᒡᓗᒍ ᑐᒃᓯᕋᓚᐅᙱᓐᓂᕐᓂ OTP−ᒥᒃ, ᑕᑯᔪᓐᓇᕐᓂᐊᕋᕕᐅᒃ ᑎᑭᑉᐸᓪᓕᐊᔪᖅ ᐃᕐᖐᓐᓇᖅ ᓄᑖᙳᕆᐊᕆᐊᖃᙱᖔᕐᓗᒍ.
• ᐃᒃᐱᒋᔪᓐᓇᖅᐱᐅᒃ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᕐᒧᑦ ᐱᕕᒃᓴᖅ? ᑕᒪᕐᒥᑲᓴᒃ ᑐᙵᕕᒋᔭᐅᔪᑦ ᓄᖅᑲᖅᑎᑦᑎᕙᒃᐳᑦ ᖃᔅᓯᑲᓪᓚᖕᓂᒃ ᓱᒃᑲᔪᒥᒃ ᐱᔪᒪᔾᔪᑕᐅᔪᓂᒃ; 60-90−ᓂᒃ ᓄᖅᑲᖔᓚᐅᑲᖕᓂᖅ ᓯᕗᓪᓕᕐᒥ ᓇᒃᓯᐅᔾᔭᐅᒃᑲᓐᓂᓚᐅᙱᓐᓂᖓᓂ ᓂᐱᖃᙱᖦᖢᓂ ᑲᑕᒃᑎᑦᑎᑦᑕᐃᓕᒪᕙᒃᐳᖅ.

ᐋᖅᑭᑲᐅᖅᑐᕐᓗᒍ, ᖃᓄᐃᓕᐅᖅᐸᓪᓕᐊᓂᖅ

ᐊᑐᖅᑕᐅᑦᑎᐊᕈᓐᓇᖅᑐᒥᒃ ᑭᖑᓕᕇᒃᑐᓂᒃ ᓇᓗᓇᐃᖅᓯᓂᐊᕐᓗᓂ ᑐᕌᕈᑎᖕᓂᒃ, ᓄᖅᑲᖅᑎᑦᑎᑦᑕᐃᓕᒪᓗᓂ, ᐅᑎᖅᑎᑦᑎᓗᓂᓗ ᐊᔪᖅᓯᓯᒪᔪᒥᒃ ᓇᓗᓇᐃᖅᓯᔾᔪᑎᒥᒃ.

1. ᒪᒃᐱᕐᓗᒍ ᐃᕐᖐᓐᓈᖅᑕᐅᑎᒃᑯᑦ ᑕᑯᔭᒃᓴᖅ. ᖃᐅᔨᒪᒋᐊᕐᓗᑎᑦ ᑕᑯᔪᓐᓇᕐᒪᖔᖅᐱᑦ ᓄᑖᓂᒃ ᑐᓴᒐᒃᓴᓂᒃ ᐊᓯᔾᔨᕆᐊᖃᙱᓪᓗᑎᑦ ᖃᕆᑕᐅᔭᓕᕆᔾᔪᑎᓂᒃ ᓇᕿᑦᑕᕆᐊᓕᖕᓂᒡᓘᓐᓃᑦ.
2. ᐊᑕᐅᓯᐊᕐᓗᑎᑦ ᑐᒃᓯᕋᕐᓗᑎᑦ, ᐅᑕᖅᑭᓗᑎᑦ 60-90 ᑎᑦᑕᑯᓗᖕᓂᑦ. ᒪᕐᕈᐃᕐᓗᒍ ᓇᕿᑦᑕᙱᓪᓗᒍ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ; ᐊᒥᓱᑦ ᓇᒃᓯᐅᔾᔨᔪᑦ ᐅᑕᖅᑭᕙᒃᐳᑦ ᓄᖅᑲᖅᑎᑦᑎᕙᒃᖢᑎᒃᓘᓐᓃᑦ.
3. ᐱᒋᐊᖅᑎᑦᑎᓗᓂ ᐊᑕᐅᓯᕐᒥᒃ ᐋᖅᑭᒃᓯᒪᔪᒥᒃ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᕐᒥᒃ. ᑎᑭᑦᑐᖃᙱᑉᐸᑦ ~90 ᑎᑦᑕᑯᓗᐃᑦ ᐊᓂᒍᖅᑎᓪᓗᒋᑦ, ᓇᕿᓪᓗᒍ ᓇᒃᓯᐅᑎᒃᑲᓐᓂᕐᓗᒍ ᐊᑕᐅᓯᐊᕐᓗᒍ ᖃᐅᔨᓴᕐᓗᒍᓗ ᓯᕿᙳᔭᖅ.
4. ᐅᐃᔾᔮᕐᓗᒍ ᐃᓂᒋᔭᖓ ᐱᒋᐊᒃᑲᓐᓂᕐᓗᒍᓗ. ᑕᒪᕐᒥᒃ ᐊᑐᙱᒃᑯᑎᒃ, ᓄᑖᒥᒃ ᑐᕌᕈᑎᓕᐅᕐᓗᑎᑦ ᐊᓯᐊᓂ ᐃᓂᒥ ᐆᒃᑐᒃᑲᓐᓂᕐᓗᑎᓪᓗ. ᕿᓚᒥᑯᓗᒃ ᑎᑎᖅᑲᒃᑯᕕᒃ ᖃᓄᐃᙱᑦᑐᖅ ᐊᑎᓕᐅᑲᐅᖅᑐᕐᓂᐊᕐᓗᓂ; ᒫᓐᓇᐅᔪᕐᓕ ᐃᓯᕈᓐᓇᕐᓂᕐᒧᑦ, ᐊᑐᕈᓐᓇᖅᐳᑎᑦ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᔪᒥᒃ ᑐᕌᕈᑎᒥᒃ ᓇᓗᓇᐃᒃᑯᑕᖃᖅᑐᒥᒃ (ᑕᑯᓗᒍ ᕿᓚᒻᒥᐅᔪᒃᑯᑦ ᑎᑎᖅᑲᒃᑯᕕᖕᒥ ᐊᑐᖅᑕᐅᖔᕈᓐᓇᖅᑐᖅ ᐊᑐᕐᓗᒍᓗ ᑐᕌᕈᑎᒋᓚᐅᑲᒃᑕᐃᑦ).
5. ᑐᖅᑯᖅᓯᒪᑦᑎᐊᕐᓗᒍ ᓇᓗᓇᐃᒃᑯᑕᖅ. ᑎᑎᖅᑲᒃᑯᕕᒋᔭᐃᑦ ᐃᑲᔪᖅᑐᐃᒃᐸᑦ ᓇᓗᓇᐃᒃᑯᑕᕐᒥᒃ ᒪᑐᐃᒃᑲᓐᓂᕐᓂᕐᒥᒃ, ᑐᖅᑯᕐᓗᒍ ᐃᓯᕈᓐᓇᐅᑎ ᐃᓯᕈᓐᓇᐅᑎᒧᑦ ᐊᐅᓚᑦᑎᔨᒧᑦ ᖃᐅᔨᒋᐊᒃᑲᓐᓂᕈᓐᓇᕐᓂᐊᕋᕕᑦ ᑭᖑᓂᐊᒍᑦ ᑖᔅᓱᒥᖓᔅᓴᐃᓐᓇᖅ ᑐᕌᕈᑎᒥᒃ.
6. ᑎᑎᕋᕐᓗᒋᑦ ᑭᓱᑦ ᑲᔪᓯᓂᖃᑦᑎᐊᓚᐅᕐᒪᖔᑕ. ᐅᔾᔨᕆᓗᒍ ᐃᓂᒋᔭᖓ ᖄᖏᖅᓯᑕᐃᓐᓇᓚᐅᖅᑐᖅ ᐊᒻᒪ ᑕᑯᔭᐅᔪᖅ ᑎᑭᑉᐸᓪᓕᐊᔪᖅ ᖃᓄᐃᓕᖓᓂᖓ (ᓲᕐᓗ, "ᓯᕗᓪᓕᖅ ᐆᒃᑐᖅᑕᐅᔪᖅ 65s, ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ 20s").

ᐱᙳᐊᕐᓂᕐᒧᑦ ᑐᙵᕕᒋᔭᐅᔪᑦ: ᑭᓱᑦ ᓱᕋᒐᔪᒃᐸᖕᒪᖔᑕ

ᐊᔪᓕᕈᑕᐅᒐᔪᒃᑐᑦ ᐱᙳᐊᒐᒃᓴᓄᑦ ᓂᐅᕕᕐᕕᖕᓄᑦ ᐊᒻᒪ ᐱᒋᐊᖅᑎᑦᑎᔾᔪᑎᓄᑦ, ᐊᒻᒪᓗ ᐃᓂᒋᔭᕐᓄᑦ ᓂᑭᑦᑖᕈᑎᑦ ᐊᔪᙱᑦᑎᐊᖅᑐᑦ.

ᐱᙳᐊᕐᓂᕐᒧᑦ OTP−ᒧᑦ ᐊᔪᓕᕈᑕᐅᕙᒃᑐᑦ ᑲᑎᙵᒐᔪᒃᐳᑦ ᖃᓄᐃᓕᐅᕐᓂᐅᔪᓄᑦ ᖁᕝᕙᓯᖕᓂᖅᓴᓄᑦ (ᓲᕐᓗ ᓂᐅᕐᕈᑕᐅᔪᓄᑦ ᐅᕝᕙᓘᓐᓃᑦ ᓴᖅᑭᑎᑕᐅᔪᓄᑦ) ᐊᒻᒪᓗ ᒪᓕᒋᐊᖃᒻᒪᕆᒃᑐᓂᒃ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᕐᒧᑦ ᓄᖅᑲᖅᑎᑦᑎᔾᔪᑎᓂᒃ. ᐊᑐᖅᑕᐅᒐᔪᒃᐸᒃᑐᑦ:

ᑭᓱ ᓱᕋᓲᖑᕙ

• ᓱᒃᑲᓕᓗᐊᖅᑐᒥᒃ → ᓄᖅᑲᖅᑎᑦᑎᓂᕐᒥᒃ. ᐱᒋᐊᖅᑎᑦᑎᔾᔪᑎᑦ ᓂᐱᖃᙱᖦᖢᑎᒃ ᓱᖁᑎᒃᓴᙱᖦᖢᑎᒃ ᒪᕐᕈᐃᓕᖅᑲᖓᔪᓂᒃ ᑐᒃᓯᕋᐅᑕᐅᔪᓂᒃ ᕿᓚᒥᑯᓗᒃ.
• ᐅᑕᖅᑭᔪᑦ/ᑭᖑᕙᖅᓯᒪᔪᑦ. ᑕᐅᖅᓰᓂᕐᒧᑦ ESP−ᒋᔭᐅᔪᑦ ᐅᖓᕙᕆᐊᖅᑎᑦᑎᔪᓐᓇᖅᐳᑦ ᑐᓴᖅᑕᐅᔪᒃᓴᓂᒃ ᓂᐅᕐᕈᑕᐅᓂᖅᐹᖑᓕᕌᖓᑕ.
• ᓯᕗᓪᓕᖅ ᑕᑯᔭᐅᔪᖅ ᓇᒃᓯᐅᔾᔨᔪᖅ + greylisting. ᓯᕗᓪᓕᖅ ᐊᒡᔭᖅᓯᓇᓱᖕᓂᖅ ᑭᖑᕙᕆᐊᖅᑕᐅᕗᖅ; ᐱᒋᐊᒃᑲᓐᓂᕐᓂᖅ ᑲᔪᓯᑦᑎᐊᖅᑐᖅ, ᑭᓯᐊᓂ ᐅᑕᖅᑭᒍᕕᐅᒃ ᓴᖅᑭᓚᐅᙱᓐᓂᖓᓂ.

ᐋᖅᑭᒡᓗᒍ ᐅᕙᓂ

• ᐊᑐᕐᓗᒍ ᐊᑕᐅᓯᖅ−ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᕐᒧᑦ ᒪᓕᒋᐊᓕᒃ. ᐊᑕᐅᓯᐊᕐᓗᑎᑦ ᑐᒃᓯᕋᕐᓗᑎᑦ, ᐅᑕᖅᑭᓗᑎᑦ 60-90 ᑎᑦᑕᑯᓗᖕᓂᑦ, ᓇᒃᓯᐅᑎᒃᑲᓐᓂᓕᕐᒥᓗᒍᓗ ᐊᑕᐅᓯᐊᕐᓗᒍ; ᓇᕿᑦᑕᐃᓐᓇᖅᐸᙱᓪᓗᒍ ᓇᕿᑦᑕᕆᐊᓕᒃ.
• ᐊᓯᔾᔨᕐᓗᑎᑦ ᖃᐅᔨᒪᔭᐅᑦᑎᐊᕐᓂᕐᒧᑦ ᓴᙱᔪᒧᑦ. ᐅᑕᖅᑭᔪᑦ ᐊᔪᖅᓯᓯᒪᖅᑰᔨᒃᐸᑕ, ᑭᐳᒃᑎᑉᐸᒡᓗᒋᑦ ᐃᓂᒧᑦ ᐱᐅᓂᖅᓴᒧᑦ ᓈᒻᒪᒋᔭᐅᔪᒧᑦ ᖃᓄᐃᓕᖓᓂᕆᔭᐅᔪᒧᑦ.
• ᑖᓐᓇ ᓇᕿᑦᑕᒐᖅ ᓴᖅᑭᔮᖅᑎᑦᑐᓐᓇᖅᐱᐅᒃ? ᐃᓚᖏᑦ ᖃᕆᑕᐅᔭᓄᑦ ᐱᓕᕆᔾᔪᔾᔭᐅᕙᒃᑐᑦ ᓴᖅᑭᑎᑦᑎᕙᙱᓚᑦ ᖃᐅᔨᑎᑦᑎᔾᔪᑎᓂᒃ ᑭᓯᐊᓂ ᑖᓐᓇ ᑕᐅᑐᒃᑕᐅᔪᖅ ᓄᑖᙳᕆᐊᖅᑎᑕᐅᒃᐸᑦ.

ᑲᔪᓰᓐᓇᕆᐊᖃᕈᕕᑦ (ᐅᖃᓘᑎᕋᓛᑦ ᖃᐅᔨᒋᐊᕐᓗᒋᑦ, ᖃᑕᙳᑎᒌᑦ ᖃᕋᓴᐅᔭᕋᓛᖏᑦ), ᐱᓗᒍ ᓇᓗᓇᐃᒃᑯᑕᖅ ᐊᑐᒃᑲᓐᓂᕐᓗᒍᓗ ᑐᕌᕈᑎᐅᓚᐅᑲᒃᑐᖅ ᓯᕗᓂᒃᓴᒥ OTPs ᓇᒃᓯᐅᔾᔭᐅᖃᑦᑕᕐᓂᐊᕐᒪᑕ ᖃᐅᔨᒪᔭᐅᔪᒧᑦ (ᑕᑯᓗᒍ 'ᐊᑐᒃᑲᓐᓂᕐᓗᒍ ᑐᕌᕈᑎᒋᓚᐅᖅᑕᐃᑦ').

Fintech Apps: OTPs ᐊᔪᓕᖅᑎᑕᐅᒑᖓᑕ

ᖃᓄᐃᒻᒪᑦ ᑮᓇᐅᔭᒃᑯᕖᑦ ᑮᓇᐅᔭᒃᑯᕖᓪᓗ ᐲᔭᐃᒐᔪᒃᐸᖕᒪᖔᑕ ᐃᓂᒋᔭᐅᓚᐅᑲᒃᑐᓂᒃ, ᑭᓱᓂᒡᓗ ᐊᑐᖅᑕᐅᖔᕈᓐᓇᖅᑐᓂᒃ ᐊᑐᕈᓐᓇᕐᒪᖔᖅᐱᑦ ᖁᐊᖅᓵᕐᓇᙱᑦᑐᒃᑯᑦ.

Fintech ᐱᑐᐃᓐᓇᐅᙱᓛᖑᕗᖅ ᐊᕙᑎᒋᔭᐅᔪᖅ. ᑮᓇᐅᔭᒃᑯᕖᑦ ᑮᓇᐅᔭᒃᑯᕖᓪᓗ ᓯᕗᓪᓕᐅᔾᔨᕙᒃᐳᑦ ᐊᑦᑕᖕᓇᓗᐊᙱᑦᑐᓂᑦ ᓇᓂᓯᔪᓐᓇᖕᓂᖕᓂᓪᓗ, ᖃᐅᔨᓴᖕᖑᐊᕈᓐᓇᖅᖢᑎᒃ ᑭᒃᑯᓕᒫᓄᑦ ᐊᑐᓚᐅᑲᖕᓂᐊᖅᑕᖏᓐᓂᑦ ᐊᑭᓖᑎᑦᑎᓗᑎᒡᓘᓐᓃᑦ ᓱᒃᑲᓕᔪᒥᑦ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᖕᓂᖕᒥᑦ.

ᑭᓱ ᓱᕋᓲᖑᕙ

• ᐃᒋᑕᐅᔪᓐᓇᖅᑐᓄᑦ ᐃᓂᒋᔭᐅᕙᒃᑐᓄᑦ ᑭᑉᐹᕆᒃᓯᓕᖅᓯᒪᔪᑦ. ᐃᓚᖏᑦ ᐱᑎᑦᑎᕙᒃᑐᑦ ᐱᔪᒪᙱᑦᑎᐊᒻᒪᕆᒃᐸᒃᐳᑦ ᐊᑎᓕᐅᖅᓯᓂᕐᒥᒃ ᑭᒃᑯᑐᐃᓐᓇᓄᑦ ᐃᓂᒋᔭᐅᓚᐅᑲᒃᐸᒃᑐᓂᒃ.
• ᒪᓕᒋᐊᖃᓪᓚᕆᒃᑐᑦ DMARC/ᑐᑭᓕᕇᖕᓂᖏᑦ. ᓇᒃᓯᐅᔾᔨᔫᑉ ᓇᓗᓇᐃᖅᓯᔾᔪᑎᖓ ᐊᔪᖅᐸᑦ, ᐱᑎᑕᐅᔪᑦ ᐊᓂᑦᑕᐃᓕᑎᑦᑎᔪᓐᓇᖅᐳᑦ ᐋᒃᑳᖅᓯᓗᑎᒡᓘᓐᓃᑦ ᑐᓴᖅᑕᐅᔪᒃᓴᒥᒃ.
• ᐊᒃᓱᕈᖅᖢᑎᒃ ᑭᒡᓕᖃᖅᑎᑦᑎᓂᖅ. ᐅᓄᖅᑐᑦ ᑐᒃᓯᕋᖅᑕᐅᔪᑦ ᕿᓚᒥᑯᓗᒃ ᓄᖅᑲᖅᑎᑦᑎᔪᓐᓇᖅᐳᑦ ᑭᖑᓂᐊᒍᑦ ᓇᒃᓯᐅᔾᔭᐅᒃᑲᓐᓂᖅᑐᓂᒃ.

ᐋᖅᑭᒡᓗᒍ ᐅᕙᓂ

• ᐱᒋᐊᕈᑎᖃᕐᓗᑎᑦ ᒪᓕᑦᑎᐊᖅᑐᓂᒃ ᑐᕌᕈᑎᓄᑦ ᖃᓄᐃᓕᐅᕈᑕᐅᔪᒪᔪᓂᒃ. ᑭᒃᑯᑐᐃᓐᓇᓄᑦ ᐃᓂᒋᔭᐅᓚᐅᑲᒃᑐᖅ filtreᖃᖅᐸᑦ, ᐃᓱᒪᒃᓴᖅᓯᐅᕈᑎᖃᕐᓗᑎᑦ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᔪᒥᒃ ᑐᕌᕈᑎᒥᒃ ᐱᓪᓚᕆᐅᔪᒥ ᐃᓂᒋᔭᐅᕙᒃᑐᒥ, ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᖅᑕᐃᓕᓗᓯᓗ.
• ᖃᐅᔨᒋᐊᕐᓗᒋᑦ ᐊᓯᖏᑦ ᕿᓪᓚᔾᔪᓰᑦ. ᐃᕐᖐᓐᓈᖅᑕᐅᒃᑯᑦ ᑎᑎᕋᖃᑦᑕᐅᑎᕝᕕᒃᑯᑦ OTP ᓄᖅᑲᖅᑎᑕᐅᒃᐸᑦ, ᖃᐅᔨᒋᐊᕐᓗᒍ ᑖᓐᓇ ᖃᕆᑕᐅᔭᒃᑰᕈᑎ ᒪᓂᒪᑎᑦᑎᖕᒪᖔᑦ ᓱᓕᓂᕋᐃᔾᔪᑎᒥᒃ ᖃᕆᑕᐅᔭᕐᒧᓪᓘᓐᓃᑦ ᑮᒥᒃ ᐊᑐᖅᑕᐅᖔᕈᓐᓇᖅᑐᒥᒃ.
• ᐃᕐᖐᓐᓈᖅᑕᐅᑎᒃᑯᑦ ᑎᑎᕋᖃᑦᑕᐅᑎᕝᕕᒃᑯᑦ ᐱᔭᕆᐊᖃᕈᕕᑦ, ᐊᑐᕈᓐᓇᖅᐳᑎᑦ ᐃᓂᒋᔭᕐᓄᑦ ᓂᑭᑦᑖᖅᑎᑦᑎᓂᕐᒥᒃ ᑖᔅᓱᒥᖓᔅᓴᐃᓐᓇᖅ ᐊᑐᖅᑎᐅᑉ ᐊᑐᖅᐸᒃᑕᖓᓂᒃ ᐱᓯᒪᐃᓐᓇᕐᓂᐊᕐᓗᒍ ᐱᓇᔪᖕᓂᕐᓂ, ᑕᐃᒪᐃᓐᓂᖓᓄᓪᓗ ᐱᓯᒪᐃᓐᓇᕐᓂᐊᕐᓗᒍ ᖁᐊᖅᓵᕐᓇᖅᑐᓄᑦ ᓈᓴᐅᓯᖅᓱᐃᓂᖅ ᑲᔪᓰᓐᓇᕈᓐᓇᕐᓂᖓᓂᒃ.

ᐃᓅᖃᑎᒌᒃᑐᓄᑦ ᑐᓴᐅᒪᖃᑎᒌᒍᑎᑦ: ᓇᓗᓇᐃᒃᑯᑕᑦ ᑎᑭᓚᐅᖅᓯᒪᙱᑦᑐᑦ

ᖃᓄᖅ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ ᐃᒐᓛᓂᒃ, ᐊᑐᕐᓂᕐᓗᒃᑕᐅᔾᔭᐃᒃᑯᑎᓂᒃ, ᐊᒻᒪ session ᖃᓄᐃᓕᖓᓂᖓ ᓂᐱᖃᙱᖦᖢᑎᒃ ᐊᔪᓕᖅᑎᑦᑎᓲᖑᖕᒪᖔᑕ ᐊᑎᓕᐅᖃᑕᐅᑎᓪᓗᑎᑦ.

ᐃᓅᖃᑎᒌᒃᑐᓄᑦ ᑐᙵᕕᐅᔪᑦ ᐅᓇᑕᖅᐸᒃᐳᑦ bots−ᓂᒃ ᐊᖏᑎᒋᔪᒃᑯᑦ, ᑕᐃᒪᐃᓐᓂᖓᓄᓪᓗ ᓄᖅᑲᖅᑎᑦᑎᕙᒃᐳᑦ OTP−ᓂᒃ ᖃᓄᐃᓕᐅᕐᓂᕆᔭᐃᑦ ᐃᕐᖐᓐᓇᖅ ᑕᑯᒃᓴᐅᖅᑰᔨᒑᖓᑦ.

ᑭᓱ ᓱᕋᓲᖑᕙ

• ᓱᒃᑲᔪᒥᒃ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ ᓇᕿᑦᑕᕆᐊᓕᖕᓄᑦ. ᓇᕿᓪᓗᒍ ᓇᒃᓯᐅᑎᒃᑲᓐᓂᕐᓗᒍ ᐊᑕᐅᓯᐅᙱᑦᑐᒥ ᐃᒐᓛᒃᑯᑦ ᓄᖅᑲᖅᑎᑦᑎᕙᒃᐳᖅ ᑭᖑᓂᐊᒍᑦ ᑐᓴᖅᑕᐅᔪᒃᓴᓂᒃ.
• ᖁᕝᕙᕆᐊᖅᑎᑦᑎᓂᖅ/ᑭᒃᑯᑐᐃᓐᓇᓄᑦ ᓇᕿᑦᑕᒐᖅ ᐃᓂᑖᖅᑎᑕᐅᑦᑎᐊᙱᓐᓂᖅ. HTML−ᐅᖁᑏᑦ ᐊᑐᖅᑕᐅᔪᒃᓴᑦ filtreᖅᑕᐅᕙᒃᐳᑦ ᓯᕗᓪᓕᖅᐹᖅᓯᐅᑎᐅᙱᑦᑐᓄᑦ ᑕᐅᑐᒃᑕᐅᔪᓄᑦ.
• ᑲᑎᒪᓂᕐᒥ ᖃᓄᐃᓐᓂᐅᔪᒥ ᐊᓯᐅᔨᓂᐅᔪᒥ. ᓄᑖᙳᕆᐊᖅᑎᑦᑎᓂᖅ ᒪᒃᐱᖅᑐᒐᕐᒥᒃ ᕿᑎᖅᐸᓯᐊᓂ ᐊᑐᕈᓐᓃᖅᑎᑦᑎᕗᖅ ᐅᑕᖅᑭᔪᒥᒃ OTP−ᒥᒃ.

ᐋᖅᑭᒡᓗᒍ ᐅᕙᓂ

• ᐊᑕᐅᓯᖅ ᕿᓂᕈᑎ, ᐊᑕᐅᓯᖅ ᓇᕿᑦᑕᒐᖅ, ᐊᑕᐅᓯᖅ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ. ᑖᓐᓇ ᓇᕿᑦᑕᒐᑐᖃᖅ ᐊᑐᖅᑎᑦᑐᓐᓇᖅᑕᐃᑦ; ᕿᒪᕉᑎᑦᑕᐃᓕᒋᑦ ᓇᓗᓇᐃᒃᑯᑖ ᑎᑭᓚᐅᙱᓐᓂᖓᓂ.
• ᐊᓯᖏᓐᓂᒃ ᑐᖅᑯᐃᕝᕕᖕᓂᒃ ᐊᔾᔨᓕᐅᕆᔪᓐᓇᖅᐱᑦ? ᓇᓗᓇᐃᒃᑯᑖ ᐅᕙᓃᑐᐃᓐᓇᕆᐊᓕᒃ ᐱᕚᓪᓕᖅᑎᑦᑎᓂᖅ/ᐃᓅᖃᑎᒌᖕᓂᖅ. ᐃᕐᖐᓐᓇᖅ ᑎᑎᖅᑲᒃᑯᕕᖕᒥ ᑕᑯᔭᒃᓴᖅ ᒪᑐᐃᙶᖅᑎᖦᖢᒍ ᕿᓚᒥᑯᓗᒃ ᐱᔭᐅᔪᓐᓇᖅᐳᖅ.
• ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᖅ ᑕᐃᒪᐃᖏᓐᓇᖅᐸᑦ, ᑭᐳᒃᑎᑉᐸᒡᓗᒋᑦ ᐃᓂᒋᔭᑎᑦ ᐊᑕᐅᓯᐊᕐᓗᒍ ᐱᒋᐊᒃᑲᓐᓂᕐᓗᒍᓗ ᑖᔅᓱᒥᖓᔅᓴᐃᓐᓇᖅ ᐃᖏᕐᕋᓂᕆᔭᐅᔪᒥᒃ. ᓯᕗᓂᒃᓴᒥ ᐃᓯᕈᓐᓇᐅᑎᓄᑦ, ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᔪᖅ ᑐᕌᕈᑖ ᐊᓯᔾᔨᕆᐊᖃᙱᑎᑦᑎᕗᖅ ᑐᕌᕈᑎᒥᒃ.

ᐊᒡᒐᒧᑦ ᐊᔪᕆᖅᓲᔾᔨᔪᒪᒍᕕᑦ, ᑕᑯᒋᐊᕈᓐᓇᖅᑕᐃᑦ ᐅᓇ ᐱᒋᐊᑲᐅᖅᑐᕐᓂᕐᒧᑦ ᒪᓕᒃᑕᐅᕙᓪᓕᐊᕙᒃᑐᖅ ᓴᖅᑭᑎᑦᑎᓂᐊᕐᓗᓂ ᐊᑐᕐᓂᐊᕐᓗᓂᓗ ᑐᕌᕈᑎᒋᔭᐅᓚᐅᑲᒃᑐᒥᒃ ᐊᑎᓕᐅᖃᑕᐅᑎᓪᓗᑎᑦ (ᑕᑯᓗᒍ ᐱᒋᐊᑲᐅᖅᑐᕐᓂᕐᒧᑦ ᒪᓕᒃᑕᐅᕙᓪᓕᐊᕙᒃᑐᖅ).

ᓂᕈᐊᕐᓗᑎᑦ ᓈᒻᒪᒃᑐᒥᒃ ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᐊᑯᓂᐅᑎᒋᔪᓐᓇᕐᓂᖓᓂᒃ

ᓂᕈᐊᕐᓗᑎᑦ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᓂᑦ ᕿᓚᒻᒥᐅᔪᒥᒡᓗ ᑐᕌᕈᑎᓂᑦ ᑐᙵᕕᒋᓗᒋᑦ ᑲᔪᓰᓐᓇᖕᓂᖅ, ᐋᖅᑭᒋᐊᒃᑲᓐᓂᕈᑎᑦ, ᐊᑦᑕᖕᓇᖅᑐᒦᓐᓂᕐᓗ.

ᓂᕈᐊᕐᓂᖅ ᓈᒻᒪᒃᑐᒥᒃ ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᖃᓄᐃᑦᑑᓂᖓᓂᒃ ᖃᓄᐃᓕᐅᖅᑕᐅᕙᓪᓕᐊᔪᒪᓂᐅᕗᖅ:

ᓵ

ᕿᓚᒥᑯᓗᒃ ᓇᓗᓇᐃᒃᑯᑦᑎᖅᓱᐃᔪᒪᒍᕕᑦ, ᕿᓚᒥᑯᓗᒃ ᑎᑎᖅᑲᒃᑯᕕᖕᒧᑦ ᓇᓖᕌᒐᒃᓴᖅ ᓈᒻᒪᒃᐳᖅ (ᑕᑯᓗᒍ ᕿᓚᒻᒥᐅᔪᒃᑯᑦ ᑎᑎᖅᑲᒃᑯᕕᒃ ᓇᓖᕌᒐᒃᓴᖅ). ᓂᕆᐅᒃᑯᕕᑦ ᐃᓯᕈᓐᓇᐅᑎᑦ ᐋᖅᑭᒋᐊᖅᑕᐅᒃᑲᓐᓂᕋᔭᕐᓂᖏᓐᓂᒃ, ᐅᖃᓘᑎᕋᓛᑦ ᖃᐅᔨᒋᐊᖅᑕᐅᒃᑲᓐᓂᕐᓗᑎᒃ, ᐅᕝᕙᓘᓐᓃᑦ ᓯᕗᓂᒃᓴᒥ ᒪᕐᕉᖕᓂᒃ ᐊᓪᓗᕆᐊᕈᑎᓂᒃ ᐃᓯᕈᓐᓇᐅᑎᓂᒃ, ᓂᕈᐊᕐᓗᑎᑦ ᐊᑐᒃᑲᓐᓂᕈᓐᓇᖅᑐᒥᒃ ᑐᕌᕈᑎᒥᒃ ᑐᖅᑯᕐᓗᒍᓗ ᓇᓗᓇᐃᒃᑯᑕᖓ ᑲᙳᓇᖅᑑᑎᓪᓗᒍ (ᑕᑯᓗᒍ 'ᐊᑐᒃᑲᓐᓂᕐᓗᒍ ᑐᕌᕈᑎᒋᓚᐅᖅᑕᐃᑦ').

ᑮᓇᐅᔭᖁᑎᖃᕐᕖᑦ ᐊᑐᒃᑲᓐᓂᒐᒃᓴᐅᑎᓪᓗᒋᑦ

ᑐᖅᑯᖅᓯᒪᑦᑎᐊᕐᓗᒋᑦ ᓇᓗᓇᐃᒃᑯᑕᑦ ᐊᑦᑕᕐᓇᙱᑦᑐᒃᑯᑦ ᒪᑐᐃᒃᑲᓐᓂᕈᓐᓇᕐᓂᐊᕋᕕᐅᒃ ᑖᓐᓇᑦᑕᐃᓐᓇᖅ ᑎᑎᖅᑲᒃᑯᕕᒃ ᓯᕗᓂᒃᓴᒥ ᐅᖃᓘᑎᕋᓛᑦ ᖃᐅᔨᒋᐊᖅᑕᐅᓛᕐᒪᑕ ᐊᒻᒪ ᐋᖅᑭᒋᐊᖅᑕᐅᒃᑲᓐᓂᓛᖅᐸᑕ.

ᐊᑐᒃᑲᓐᓂᕈᓐᓇᕐᓂᖅ ᐃᓅᓕᓴᐅᑎᒋᕙᐃᑦ "ᐅᑎᕈᓐᓇᐃᓪᓕᔪᖓ." ᑐᖅᑯᕐᓗᒍ ᑐᕌᕈᑖ + ᓇᓗᓇᐃᒃᑯᑕᖅ ᐃᓯᕈᓐᓇᐅᑎᒧᑦ ᐊᐅᓚᑦᑎᔨᒧᑦ. ᖃᕋᓴᐅᔭᒃᑰᕈᑎ ᑐᒃᓯᕋᖅᐸᑦ ᓄᑖᒥ ᐅᖃᓘᑎᕋᓛᒥ ᖃᐅᔨᒋᐊᖅᑕᐅᖁᔨᓗᓂ ᑕᖅᑭᑦ ᐊᓂᒍᖅᑎᓪᓗᒋᑦ, ᒪᑐᐃᒃᑲᓐᓂᕐᓗᒍ ᑖᓐᓇᑦᑕᐃᓐᓇᖅ ᑎᑎᖅᑲᒃᑯᕕᒃ, ᐊᒻᒪ OTP−ᒋᔭᐃᑦ ᑎᑭᓐᓂᐊᖅᐳᖅ ᓂᕆᐅᓇᙱᑦᑐᒃᑯᑦ. ᑕᒪᓐᓇ ᐱᓕᕆᔾᔪᓯᖅ ᒥᒃᖠᒋᐊᖅᑎᑦᑎᕐᔪᐊᖅᐳᖅ ᐃᑲᔪᖅᓱᐃᓂᕐᒧᑦ ᐱᕕᒃᓴᒥᒃ ᐊᒻᒪ ᐅᑎᖅᑎᑦᑎᑲᑕᖕᓂᕐᒥᒃ, ᐱᓗᐊᖅᑐᒥ ᐱᙳᐊᕈᑎᓄᑦ ᐱᒋᐊᖅᑎᑦᑎᔾᔪᑎᓄᑦ ᐊᒻᒪ ᐃᓄᖕᓄᑦ ᐃᓯᕈᓐᓇᐅᑎᓄᑦ ᓇᓗᓇᐃᖅᑕᐅᒃᑲᓐᓂᕆᐊᖃᖅᑐᓄᑦ ᖃᐅᔨᒃᑲᐃᙱᖦᖢᑎᒃ.

ᐊᔪᓕᖅᓯᒪᔪᒥᒃ ᐋᖅᑭᒃᓯᓇᓱᒍᓐᓇᖅᐳᑎᑦ ᐊᔪᙱᑦᑐᑎᑐᑦ

ᖃᐅᔨᓴᖅᓯᓂᖅ ᓇᒃᓯᐅᔾᔨᔫᑉ ᖃᐅᔨᒪᔭᐅᓂᖓᓂᒃ, ᕿᕐᓂᖅᑕᓂᒃ ᑎᑎᕋᖅᓯᒪᔪᓂᒃ, ᑎᑎᖅᑲᓂᐊᕐᕕᒃᑯᓪᓗ ᑭᖑᕙᓯᒃᑐᓂᒃ−ᐊᒻᒪᓗ ᖃᖓ ᐊᓯᔾᔨᕆᐊᖃᕐᒪᖔᑦ ᐊᖅᑯᑎᒋᔭᐅᕙᒃᑐᖅ.

ᓯᕗᕙᓯᖕᓂᖅᓴᒥᒃ ᐋᖅᑭᒃᓱᐃᓂᖅ ᑕᐅᑐᒐᖃᓪᓗᐊᑕᖅᐳᖅ ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᐊᖅᑯᑎᖓᓂᒃ ᐃᓕᖅᑯᓯᕆᔭᕐᓂᒡᓗ:

• ᓱᓕᓂᕋᐃᓂᕐᒧᑦ ᖃᐅᔨᒋᐊᕈᑎᑦ: SPF/DKIM/DMARC ᑐᑭᓕᐊᑦᑎᐊᙱᓐᓂᖓ ᓇᒃᓯᐅᔾᔨᔫᑉ ᐊᒃᑐᐊᓂᖃᕋᔪᒃᐳᖅ ᐃᕐᖐᓐᓈᖅᑕᐅᒃᑯᑦ ᑎᑎᖅᑲᐅᓯᐊᑦ ᐊᓂᑦᑕᐃᓕᑎᑕᐅᓂᖏᓐᓂᒃ. ᐊᑯᓂᐊᓗᒃ ᑭᖑᕙᓯᖃᑦᑕᕈᕕᑦ ᓇᓕᐊᖕᓂᑐᐃᓐᓇᖅ ᑐᙵᕕᒋᔭᐅᔪᒥᒃ, ᓂᕆᐅᒋᓗᒍ ESP−ᖓ ᐅᖓᕙᕆᐊᖅᑕᐅᓂᐊᕐᓂᖓᓂᒃ.
• ᕿᕐᓈᖅᓯᓂᕐᒧᑦ ᓇᓗᓇᐃᒃᑯᑕᑦ: ᓯᕗᓪᓕᖅ ᐆᒃᑐᖅᑕᐅᔪᖅ ᐅᖓᕙᕆᐊᖅᑕᐅᔪᖅ, ᐊᐃᑉᐸᖓ ᐆᒃᑐᖅᑕᐅᔪᖅ ᐊᖏᖅᑕᐅᔪᖅ—ᐅᑕᖅᑭᒍᕕᑦ. ᐊᑕᐅᓯᖅ, ᓈᒻᒪᓈᑦᑎᐊᖅᑐᖅ ᓇᒃᓯᐅᑎᒃᑲᓐᓂᖅᑕᐃᑦ ᑮᒃᓯᒪᓕᕐᓂᐊᖅᐳᑎᑦ.
• ᐱᔨᑦᑎᕋᖅᑕᐅᔪᒧᑦ ᓱᕈᔾᔭᐃᒃᑯᑎᑦ: HTML−ᒧᑦ ᐊᑐᖅᑕᐅᔪᒃᓴᑦ ᐱᔪᒥᓇᖅᓯᑎᑦᑎᔾᔪᑕᐅᔪᓐᓇᖅᐳᑦ; ᑐᑭᓯᓇᑦᑎᐊᖅᑐᑦ OTP−ᖑᔪᑦ ᐱᐅᓂᖅᓴᐅᕗᑦ. ᐴᖅᑲᐃᕝᕕᒃ ᒪᑐᐃᙶᖅᑎᑉᐸᒡᓗᒍ ᑎᑭᑉᐸᓪᓕᐊᔪᑦ ᖄᖏᖅᑕᐅᖁᓇᒋᑦ.
• ᖃᖓ ᐊᓯᔾᔨᕆᐊᖃᕐᒪᖔᑦ ᑕᓚᕖᓴᒃᑯᑦ: ᓂᑭᑦᑖᕐᓂᖅ ᐊᒻᒪᓗ ᐊᑕᐅᓯᐊᕐᓗᓂ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ ᐊᔪᖅᐸᑦ, ᐊᒻᒪᓗ Fintech-ᒦᒃᑯᕕᑦ, ᐱᓗᐊᙳᐊᖅᖢᓂ, ᐃᓱᒪᒃᓴᖅᓯᐅᕈᑎᖃᕆᑦ ᓴᖑᑎᑦᑎᓂᕐᒥᒃ authentification app-ᒥᒃ ᐅᕝᕙᓘᓐᓃᑦ ᖃᕋᓴᐅᔭᕐᒧᑦ ᑮᒥᒃ ᐱᐊᓂᖕᓂᐊᕐᓗᒍ ᐱᓕᕆᓂᕆᔭᐅᔪᖅ.

ᒥᑭᑦᑐᒧᑦ ᐊᑐᖅᑕᐅᔪᓐᓇᖅᑐᒧᑦ ᑕᐅᑐᒐᖃᓪᓗᐊᑕᖅᑐᒧᑦ OTP−ᒧᑦ ᑎᑭᑉᐸᓪᓕᐊᔪᓄᑦ ᐃᓕᖅᑯᓯᕆᔭᐅᔪᓄᑦ ᐆᒃᑐᒃᑲᓐᓂᕐᓂᕐᒧᓪᓗ ᐃᒐᓛᓄᑦ, ᑕᑯᓗᒍ ᐱᓂᖅ OTP−ᒧᑦ ᓇᓗᓇᐃᒃᑯᑕᕐᓄᑦ ᐊᑐᖅᑕᐅᔪᓐᓇᖅᑐᓄᑦ ᖃᐅᔨᒪᓂᕆᔭᑦᑎᓐᓂ (ᑕᑯᓗᒍ ᐱᓂᖅ OTP−ᒧᑦ ᓇᓗᓇᐃᒃᑯᑕᕐᓂᒃ). ᐱᔭᕆᐊᖃᕈᕕᑦ ᐊᖏᓂᖅᓴᒥᒃ ᐱᔨᑦᑎᕋᕐᕕᖃᕐᓂᕐᒧᑦ ᐊᔪᕐᓇᖅᑐᖅᓯᐅᕈᑕᐅᕙᒃᑐᓂᒃ (24−ᓄᑦ ᐃᑲᕐᕋᓄᑦ ᑎᑎᖅᑲᒃᑯᕕᖕᒥ ᐱᓯᒪᐃᓐᓇᖅᑎᑦᑎᓂᕐᒥᒃ, ᐱᕝᕕᐅᑐᐃᓐᓇᕐᓂᕐᒥᒃ, ᐊᑕᔪᓂᒃ ᐱᑕᖃᙱᓪᓗᓂ), ᖃᐅᔨᒋᐊᕐᕕᒋᓗᒍ ᑎᑎᖅᑲᒃᑯᕕᐅᓚᐅᑲᒃᑐᖅ ᐊᐱᖅᑯᑕᐅᒐᔪᒃᑐᑦ ᐋᖅᑭᒃᓯᔪᒪᓂᕐᒧᑦ ᓂᕆᐅᒋᔭᐅᔪᓂᒃ ᐱᕐᔪᐊᖑᓚᐅᙱᓐᓂᖓᓂ (ᑕᑯᓗᒍ ᑎᑎᖅᑲᒃᑯᕕᐅᓚᐅᑲᒃᑐᖅ ᐊᐱᖅᑯᑕᐅᒐᔪᒃᑐᑦ).

12-ᖑᔪᑦ ᐱᔾᔪᑕᐅᔪᑦ—ᓄᓇᙳᐊᓕᐅᖅᓯᒪᔪᑦ ᐱᙳᐊᕈᑎᓄᑦ/Fintech/ᐃᓅᖃᑎᒌᓄᑦ

1. ᐊᑐᖅᑎᐅᑉ ᑕᒻᒪᖅᓯᒪᓂᖓ ᐅᕝᕙᓘᓐᓃᑦ ᐃᔾᔪᐊᕐᓗᒍ/ᓂᐱᑎᕐᓗᒍ ᑕᒻᒪᖅᓯᒪᔪᑦ

• ᐱᙳᐊᕐᓂᖅ:  ᑕᑭᔪᑦ ᓯᕗᓂᐊᒍᑦ ᖃᖓᑦᑕᖅᑎᑦᑎᔾᔪᑎᑦ; ᓇᓗᓇᐃᕐᓗᒍ ᖃᓄᓪᓚᑦᑖᖅ.
• Fintech:  ᐊᔾᔨᒌᒃᑎᑦᑎᓪᓚᕆᒋᐊᖃᖅᐳᑦ; ᐊᓕᐊᓇᐃᒍᑏᑦ ᐊᔪᓕᕈᓐᓇᖅᑐᑦ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐃᕐᖐᓐᓇᖅ ᑕᑕᑎᕆᓂᕐᒧᑦ ᐱᙳᐊᕈᑎᑦ; ᖃᐅᔨᒋᐊᒃᑲᓐᓂᕐᓗᒍ ᑎᑎᕋᕐᕕᒃᓴᖅ.

1. Resend-window throttling/rate limiting.

• ᐱᙳᐊᕐᓂᖅ:  ᓱᒃᑲᔪᒥᒃ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᖅᐸᒃᐳᖅ ᐸᒡᕕᓵᕆᔾᔪᑎᒥᒃ ᓄᖅᑲᖅᑎᑦᑎᓂᕐᒥᒃ.
• Fintech:  ᐃᒐᓛᑦ ᑕᑭᓂᖅᓴᑦ; 2-5 ᒥᓂᑦᓯᓂᒃ ᐊᑐᖅᑕᐅᒐᔪᒃᐳᑦ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐊᑕᐅᓯᐊᑐᐃᓐᓇᕐᓗᓂ ᐆᒃᑐᒃᑲᓐᓂᕐᓂᖅ; ᐅᐃᔾᔮᓕᕐᓗᒍᓗ.

1. ESP−ᒧᑦ ᐅᑕᖅᑭᔪᑦ/ᑭᖑᕙᓯᒃᑐᑦ

• ᐱᙳᐊᕐᓂᖅ:  ᓂᐅᕐᕈᑕᐅᕙᒃᑐᑦ ᐅᓄᖅᓯᕚᓪᓕᓚᐅᖅᐳᑦ → ᑭᖑᕙᓯᒃᑐᓄᑦ ᑎᑎᖅᑲᓂᐊᕐᕕᒃᑯᑦ.
• Fintech:  KYC-ᑯᑦ ᐅᓄᖅᓯᕚᓪᓕᖅᑎᑦᑎᕙᒃᐳᑦ ᐅᑕᖅᑭᔭᕆᐊᖃᖅᐸᒃᑐᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐊᑎᓕᐅᕐᓂᕐᒧᑦ ᖄᖏᐅᑎᔪᑦ ᑭᖑᕙᕆᐊᖅᑎᑦᑎᓲᖑᕗᑦ.

1. ᑌᒣᓕᑦᓱᓂ ᑌᒣᓕᑦᓱᓂ

• ᐱᙳᐊᕐᓂᖅ:  ᓯᕗᓪᓕᖅ ᐆᒃᑐᖅᑕᐅᔪᖅ ᑭᖑᕙᕆᐊᖅᑕᐅᔪᖅ; ᐱᒋᐊᒃᑲᓐᓂᕐᓂᖅ ᑲᔪᓯᑦᑎᐊᖅᐳᖅ.
• Fintech:  ᐊᑦᑕᕐᓇᖅᑐᒦᑎᑦᑕᐃᓕᓂᕐᒧᑦ ᐊᖅᑯᑏᑦ ᑭᖑᕙᕆᐊᖅᑎᑦᑎᔪᓐᓇᖅᐳᑦ ᓯᕗᓪᓕᕐᒥ ᑕᑯᔭᐅᖅᑳᖅᑐᓂᒃ ᓇᒃᓯᐅᔾᔨᔪᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  4xx−ᖑᓚᐅᑲᒃᑐᖅ, ᓈᒻᒪᒋᓕᕐᓗᒍᓗ.

1. ᓇᒃᓯᐅᔾᔨᔫᑉ ᖃᐅᔨᒪᔭᐅᓂᖓ ᐅᕝᕙᓘᓐᓃᑦ auth ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᑦ (SPF/DKIM/DMARC)

• ᐱᙳᐊᕐᓂᖅ:  ᑐᑭᓕᐊᑦᑎᐊᙱᑦᑐᑦ ᐊᑖᓃᑦᑐᑦ.
• Fintech:  ᒪᓕᒋᐊᖃᓪᓚᕆᒃᑐᑦ DMARC−→ ᐋᒃᑳᖅᑕᐅᓗᑎᒃ/ᐊᓂᑦᑕᐃᓕᑎᑕᐅᓗᑎᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐊᕕᒃᓯᒪᓂᕐᒥ ᓇᒃᓯᐅᔾᔨᔪᑦ ᐊᔾᔨᒌᙱᓐᓂᖏᑦ.

1. ᐃᒋᑕᐅᔪᓐᓇᖅᑐᑦ-ᐃᓂᐅᔪᑦ ᐅᕝᕙᓘᓐᓃᑦ ᐱᑎᑦᑎᔨᓄᑦ ᓄᖅᑲᖓᑎᑦᑎᔪᑦ

• ᐱᙳᐊᕐᓂᖅ:  ᐃᓚᖏᑦ ᓂᐅᕕᕐᕖᑦ ᖃᐅᔨᓴᖅᐸᒃᐳᑦ ᑭᒃᑯᑐᐃᓐᓇᓄᑦ ᐃᓂᒋᔭᐅᓚᐅᑲᒃᑐᓂᒃ.
• Fintech:  ᑮᓇᐅᔭᒃᑯᕖᑦ ᓄᖅᑲᖅᑎᑦᑎᒐᔪᒃᐳᑦ ᐃᒋᑕᐅᔪᓐᓇᖅᑐᓂᒃ ᑮᓇᐅᔭᒃᑯᕕᖕᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᑲᑎᙵᓪᓗᑎᒃ ᓱᖏᐅᑎᔪᓐᓇᕐᓂᖏᑦ ᓱᒃᑲᓕᒋᐊᕈᑎᓄᑦ.

1. ᑎᑭᑉᐸᓪᓕᐊᔪᑦ ᐊᐅᓚᔪᓐᓇᐅᑎᓄᑦ ᐊᖅᑯᑎᓄᑦ ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᑦ

• ᐱᙳᐊᕐᓂᖅ:  ᓱᒃᑲᐃᓐᓂᖅᓴᖅ MX ᐊᖅᑯᑎᖓ ᐃᓚᒋᐊᖅᓯᕙᒃᐳᖅ ᑎᑦᑕᑯᓗᖕᓂᒃ.
• Fintech:  ᖃᐅᔨᒪᔭᐅᑦᑎᐊᖅᑐᑦ−ᓴᙱᔪᑦ ᐱᓕᕆᔨᓄᑦ ᑐᓴᐅᒪᖃᑦᑕᐅᑎᖃᑎᒌᒍᑎᑦ ᓱᒃᑲᓂᖅᓴᒥᒃ ᐊᓂᒍᐃᓲᖑᕗᑦ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  Google-MX ᐊᖅᑯᑎᖏᑦ ᓈᒻᒪᒃᓴᙱᔾᔪᑕᐅᒐᔪᒃᐳᑦ.

1. Spam/Promotions ᓇᕿᑦᑕᒐᖓ ᐅᕝᕙᓘᓐᓃᑦ ᐱᔨᑦᑎᕋᖅᑕᐅᔫᑉ ᓴᓂᐊᓂ filtrage

• ᐱᙳᐊᕐᓂᖅ:  Rich HTML templates trip filters.
• Fintech:  ᑎᑎᕋᖅᓯᒪᑐᐃᓐᓇᖅᑐᑦ ᓇᓗᓇᐃᒃᑯᑏᑦ ᑎᑭᑉᐸᒃᐳᑦ ᐊᔾᔨᒌᒡᔫᒥᔪᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐅᔾᔨᕐᓇᖅᓯᑎᑦᑎᓂᖅ/ᐃᓅᖃᑎᒌᖕᓂᕐᒧᑦ ᓇᕿᑦᑕᒐᐃᑦ ᐃᔨᖅᓯᓯᒪᕙᒃᐳᑦ ᓇᓗᓇᐃᒃᑯᑕᕐᓂᒃ.

1. ᐅᖃᓘᑎᕋᓛᑦ/ᖃᕋᓴᐅᔭᒃᑰᕈᑎᐅᑉ ᖃᓄᐃᓕᖓᓂᖏᑦ ᑭᒡᓕᖃᖅᑎᑕᐅᓂᖏᑦ

• ᐱᙳᐊᕐᓂᖅ:  ᓄᖅᑲᖓᑎᑕᐅᓚᐅᑲᒃᑐᑦ apps ᑭᖑᕙᕆᐊᖅᑎᑦᑎᕙᒃᐳᑦ fetch-ᒥᒃ.
• Fintech:  ᐹᑕᓖᒧᑦ ᐱᐅᖅᓱᐊᕈᑎ ᓄᖅᑲᖅᑎᑦᑎᕙᒃᐳᖅ ᖃᐅᔨᑎᑦᑎᔾᔪᑎᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᐱᓕᕆᐊᖑᓯᒪᔪᑦ ᓄᑖᙳᕆᐊᖅᑎᑕᐅᔪᑦ.

1. ᐱᓕᕆᔨᓄᑦ ᑐᓴᐅᒪᖃᑦᑕᐅᑎᖃᑎᒌᒍᑎᑦ/VPN/ᑎᒥᐅᔪᒧᑦ ᓴᐳᒻᒥᔾᔪᑎ ᐸᒡᕕᓵᕆᓂᖅ

• ᐱᙳᐊᕐᓂᖅ:  ᑎᒍᔭᐅᓯᒪᓪᓗᑎᒃ ᐃᓯᕆᐊᕐᕖᑦ; DNS-ᒧᑦ ᓱᕈᔾᔭᐃᒃᑯᑎ.
• Fintech:  Enterprise Gateways ᐃᓚᓯᕙᒃᐳᑦ ᐊᑲᐅᙱᓕᐅᕈᑕᐅᔪᓂᒃ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  VPN geo ᐊᒃᑐᐃᓲᖑᕗᖅ ᐊᑦᑕᕐᓇᖅᑐᓄᑦ ᓈᓴᐅᑎᓂᒃ.

1. ᓯᕿᙳᔭᖅ ᓇᒧᙵᐅᕙᓪᓕᐊᓂᖓ/ᓇᓗᓇᐃᒃᑯᑕᖅ ᐃᓅᓯᓕᒫᒧᑦ ᐊᔾᔨᒌᙱᓐᓂᖅ

• ᐱᙳᐊᕐᓂᖅ:  ᐅᖃᓘᑎᕋᓛᑦ ᓄᖅᑲᖓᓚᐅᑲᒍᓐᓇᕐᓂᖏᑦ → "ᐊᑐᙱᑦᑐᑦ" ᓇᓗᓇᐃᒃᑯᑕᑦ.
• Fintech:  ᓇᐃᑦᑐᒻᒪᕆᑯᓗᐃᑦ TTLs ᓱᒋᐊᕈᑕᐅᕙᒃᐳᑦ ᑭᖑᕙᓯᒃᑐᓄᑦ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ ᐊᑐᕈᓐᓃᖅᑎᑦᑎᕗᖅ ᓯᕗᓂᐊᒍᑦ OTP−ᒥᒃ.

1. ᑎᑎᖅᑲᒃᑯᕕᐅᑉ ᑕᑯᒃᓴᐅᓂᖓ/ᑲᑎᒪᓂᐅᑉ ᖃᓄᐃᓕᖓᓂᖓ

• ᐱᙳᐊᕐᓂᖅ:  ᑎᑎᖅᑲᒃᑯᕕᒃ ᑕᑯᒃᓴᐅᙱᑦᑐᖅ; ᑎᑭᙱᖦᖢᓂ.
• Fintech:  ᐊᑕᐅᓯᐅᙱᑦᑐᒥᒃ−ᐃᓱᐊᓂᒃ ᕿᒥᕐᕈᓂᖅ ᐃᑲᔪᖅᐳᖅ.
• ᐃᓅᖃᑎᒌᖕᓂᖅ:  ᒪᒃᐱᒐᖅ ᓄᑖᙳᕆᐊᖅᑎᑦᑎᒃᑲᓐᓂᖅᐸᒃᐳᖅ ᐃᖏᕐᕋᓂᕆᔭᐅᔪᒥᒃ.

ᐃᓱᓕᓐᓂᖓ — ᖃᓄᐃᓕᖓᓂᖓ

OTP−ᑯᑦ ᑎᑭᙱᑉᐸᑕ, ᐅᐃᒻᒪᙱᓪᓗᑎᑦ ᐅᕝᕙᓘᓐᓃᑦ ᐅᖃᓗᒡᕕᒋᙱᓪᓗᒍ "ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ." ᐊᑐᕐᓗᒍ 60-90 ᑎᑦᑕᑯᓗᖕᓄᑦ ᐃᒐᓛᖅ, ᐊᑕᐅᓯᐊᕐᓗᒍ ᓇᒃᓯᐅᔾᔨᒃᑲᓐᓂᕐᓂᖅ, ᐊᒻᒪᓗ ᐃᓂᒋᔭᖓᑕ ᓂᑭᑦᑖᕐᓂᖓ. ᐋᖅᑭᑦᑎᐊᕐᓗᒋᑦ ᐱᖁᑎᑦ/ᐱᓕᕆᔨᓄᑦ ᑐᓴᐅᒪᖃᑦᑕᐅᑎᖃᑎᒌᒍᑎᑦ ᓇᓗᓇᐃᒃᑯᑕᖏᑦ. ᐱᑐᐃᓐᓇᐅᙱᓐᓂᖅᓴᓄᑦ ᐃᑭᐊᖅᑭᕕᖕᓄᑦ, ᐊᓯᔾᔨᕐᓗᑎᑦ ᐋᖅᑭᒃᓯᒪᔪᒧᑦ ᐃᓂᒧᑦ ᐊᖅᑯᑎᒋᔭᐅᕙᒃᑐᒧᑦ; ᑲᔪᓰᓐᓇᕐᓂᕐᒧᑦ, ᐊᑐᒃᑲᓐᓂᕐᓗᒍ ᑖᓐᓇᑦᑕᐃᓐᓇᖅ ᑎᑎᖅᑲᒃᑯᕕᒃ ᓇᓗᓇᐃᒃᑯᑕᖓᓄᑦ−ᐱᓗᐊᙳᐊᖅᖢᓂ ᓇᓗᓇᐃᖅᓯᒃᑲᓐᓂᕐᓂᕐᒧᑦ ᑕᖅᑭᑦ ᐊᓂᒍᖅᓯᒪᓕᖅᑎᓪᓗᒋᑦ. ᐊᔾᔨᓕᐅᕆᔪᓐᓇᖅᐳᑎᑦ ᐅᖄᓚᐅᑎᕋᓛᒃᑯᑦ ᑎᑭᑕᐅᔪᓐᓇᔾᔮᙱᓐᓇᕕᑦ ᓇᓗᓇᐃᒃᑯᑕᖅ ᑲᑕᒃᑳᖓᑦ.