{"id":37925,"date":"2025-09-18T07:26:02","date_gmt":"2025-09-18T07:26:02","guid":{"rendered":"https:\/\/ecommerce.mk\/?p=37925"},"modified":"2025-09-18T07:26:42","modified_gmt":"2025-09-18T07:26:42","slug":"e-commerce-industry-talks-halk-banka-patot-kon-digitalizaczijata-i-razvojot-na-e-trgovijata-vo-makedonija","status":"publish","type":"post","link":"https:\/\/ecommerce.mk\/en\/e-commerce-industry-talks-halk-banka-patot-kon-digitalizaczijata-i-razvojot-na-e-trgovijata-vo-makedonija\/","title":{"rendered":"[E-commerce Industry Talks] \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a &#8211; \u041f\u0430\u0442\u043e\u0442 \u043a\u043e\u043d \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430\u0442\u0430 \u0438 \u0440\u0430\u0437\u0432\u043e\u0458\u043e\u0442 \u043d\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430\u0442\u0430 \u0432\u043e \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/i0.wp.com\/ecommerce.mk\/wp-content\/uploads\/2025\/09\/add-a-little-bit-of-body-text-2.png?resize=800%2C450&#038;ssl=1\" alt=\"\" class=\"wp-image-38130\" srcset=\"https:\/\/i0.wp.com\/ecommerce.mk\/wp-content\/uploads\/2025\/09\/add-a-little-bit-of-body-text-2.png?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/ecommerce.mk\/wp-content\/uploads\/2025\/09\/add-a-little-bit-of-body-text-2.png?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<p>\u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a \u0435 \u0435\u0434\u043d\u0430 \u043e\u0434 \u0432\u043e\u0434\u0435\u0447\u043a\u0438\u0442\u0435 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0438 \u0432\u043e \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430 \u043a\u043e\u0433\u0430 \u0441\u0442\u0430\u043d\u0443\u0432\u0430 \u0437\u0431\u043e\u0440 \u0437\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u0438 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438\u0442\u0435 \u0443\u0441\u043b\u0443\u0433\u0438. \u041e\u0434 \u0441\u0430\u043c\u0438\u043e\u0442 \u043f\u043e\u0447\u0435\u0442\u043e\u043a \u043d\u0430 \u043f\u0440\u0438\u0441\u0443\u0441\u0442\u0432\u043e\u0442\u043e \u043d\u0430 \u043c\u0430\u043a\u0435\u0434\u043e\u043d\u0441\u043a\u0438\u043e\u0442 \u043f\u0430\u0437\u0430\u0440 \u0432\u043e 2011 \u0433\u043e\u0434\u0438\u043d\u0430, \u0431\u0430\u043d\u043a\u0430\u0442\u0430 \u0458\u0430 \u043f\u043e\u0434\u0434\u0440\u0436\u0443\u0432\u0430\u0448\u0435 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0430\u0442\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0438\u043e\u0442 \u0441\u0435\u043a\u0442\u043e\u0440, \u0432\u043e\u0432\u0435\u0434\u0443\u0432\u0430\u0458\u045c\u0438 \u0443\u0441\u043b\u0443\u0433\u0438 \u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438 \u043a\u043e\u0438 \u0433\u043e \u043e\u043b\u0435\u0441\u043d\u0443\u0432\u0430\u0430\u0442 \u043a\u043e\u0440\u0438\u0441\u0442\u0435\u045a\u0435\u0442\u043e \u043d\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438\u0442\u0435 \u043a\u0430\u043d\u0430\u043b\u0438 \u0438 \u0433\u0438 \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u0430\u0430\u0442 \u0435-\u0442\u0440\u0433\u043e\u0432\u0446\u0438\u0442\u0435 \u0434\u0430 \u043f\u0440\u0438\u0444\u0430\u0442\u0430\u0442 online \u043f\u043b\u0430\u045c\u0430\u045a\u0430.<\/p>\n\n\n\n<p><strong>\u041f\u0440\u0432\u0438 \u0447\u0435\u043a\u043e\u0440\u0438 \u0432\u043e \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430\u0442\u0430:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2009 \u0433\u043e\u0434\u0438\u043d\u0430:<\/strong> \u041f\u0440\u0432\u0430 \u0431\u0430\u043d\u043a\u0430 \u0441\u043e \u043b\u0438\u0446\u0435\u043d\u0446\u0430 \u0437\u0430 \u043f\u0440\u043e\u0446\u0435\u0441\u0438\u0440\u0430\u045a\u0435 Visa eCommerce \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0438.<\/li>\n\n\n\n<li><strong>2012 \u0433\u043e\u0434\u0438\u043d\u0430:<\/strong> \u041e\u0442\u0432\u043e\u0440\u0430\u045a\u0435 \u043d\u0430 \u0441\u043e\u043f\u0441\u0442\u0432\u0435\u043d \u043f\u0440\u043e\u0446\u0435\u0441\u0438\u043d\u0433 \u0446\u0435\u043d\u0442\u0430\u0440 \u0437\u0430 Visa \u0438 Mastercard \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0438 \u0438 \u043f\u0435\u0447\u0430\u0442\u0435\u045a\u0435 \u043d\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0438 \u0432\u043e \u0440\u0430\u043c\u043a\u0438 \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0442\u0430.<\/li>\n\n\n\n<li>\u0412\u043e\u0432\u0435\u0434\u0435\u043d\u0438 \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u043d\u043e\u0441\u0442\u0438 \u0432\u043e \u0410\u0422\u041c \u043c\u0440\u0435\u0436\u0430\u0442\u0430 \u0438 \u0435\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0441\u043a\u043e\u0442\u043e \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u043e, \u043a\u0430\u043a\u043e \u043f\u0440\u0435\u0444\u0440\u043b\u0443\u0432\u0430\u045a\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430, \u043f\u043b\u0430\u045c\u0430\u045a\u0435 \u0434\u043e\u043b\u0433\u043e\u0432\u0438 \u0438 \u0443\u043f\u0440\u0430\u0432\u0443\u0432\u0430\u045a\u0435 \u0441\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0438\u0442\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0431\u0435\u0437 \u043f\u043e\u0441\u0435\u0442\u0430 \u043d\u0430 \u0444\u0438\u043b\u0438\u0458\u0430\u043b\u0430.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>\u0418\u043d\u043e\u0432\u0430\u0446\u0438\u0438 \u043a\u043e\u0438 \u0433\u043e \u043c\u0435\u043d\u0443\u0432\u0430\u0430\u0442 \u043f\u0430\u0437\u0430\u0440\u043e\u0442:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2013 \u0433\u043e\u0434\u0438\u043d\u0430:<\/strong> \u041f\u0440\u0432\u0430\u0442\u0430 \u0431\u0435\u0441\u043a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0430 \u043d\u0430 \u043c\u0430\u043a\u0435\u0434\u043e\u043d\u0441\u043a\u0438\u043e\u0442 \u043f\u0430\u0437\u0430\u0440, \u0441\u043e \u0446\u0435\u043b \u0434\u0430 \u0441\u0435 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0438 \u0431\u0440\u0437\u043e \u0438 \u0435\u0434\u043d\u043e\u0441\u0442\u0430\u0432\u043d\u043e \u043f\u043b\u0430\u045c\u0430\u045a\u0435. \u0414\u0435\u043d\u0435\u0441, \u0431\u0435\u0441\u043a\u043e\u043d\u0442\u0430\u043a\u0442\u043d\u0438\u0442\u0435 \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0438 \u0441\u0435 \u043e\u0441\u043d\u043e\u0432\u0430 \u043d\u0430 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0442\u0435 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438 \u043f\u043b\u0430\u045c\u0430\u045a\u0430 \u0432\u043e \u0437\u0435\u043c\u0458\u0430\u0442\u0430.<\/li>\n\n\n\n<li>\u0420\u0430\u0437\u0432\u043e\u0458 \u043d\u0430 \u0440\u0435\u0448\u0435\u043d\u0438\u0458\u0430 \u043a\u0430\u043a\u043e Card On File, Pay by Link, \u0440\u0430\u0442\u0438 \u043d\u0430 \u041f\u041e\u0421 \u0442\u0435\u0440\u043c\u0438\u043d\u0430\u043b \u0438 \u0431\u043e\u043d\u0443\u0441 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430 \u0437\u0430 online \u0442\u0440\u0433\u043e\u0432\u0446\u0438 \u0441\u043e \u0434\u0443\u0440\u0438 3% cashback.<\/li>\n\n\n\n<li>\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u043c\u043e\u0431\u0438\u043b\u043d\u0438 \u0438 \u043d\u043e\u0441\u043b\u0438\u0432\u0438 \u0443\u0440\u0435\u0434\u0438 \u043a\u0430\u043a\u043e Garmin Pay \u0438 Fidesmo Pay, \u0448\u0442\u043e \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430 \u043f\u043b\u0430\u045c\u0430\u045a\u0435 \u043f\u0440\u0435\u043a\u0443 \u0447\u0430\u0441\u043e\u0432\u043d\u0438\u0446\u0438, \u043f\u0440\u0441\u0442\u0435\u043d\u0438 \u0438 \u043f\u0440\u0438\u0432\u0435\u0437\u043e\u0446\u0438.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0421\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u0430\u045a\u0435 \u043d\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430\u0442\u0430<\/strong><\/h3>\n\n\n\n<p>\u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a \u0441\u0435 \u0444\u043e\u043a\u0443\u0441\u0438\u0440\u0430 \u0438 \u043d\u0430 \u0440\u0430\u0437\u0432\u043e\u0458 \u043d\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430\u0442\u0430 \u043f\u0440\u0435\u043a\u0443 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u043a\u0438 \u043f\u0440\u0438\u0441\u0442\u0430\u043f \u043a\u043e\u043d \u0441\u0432\u043e\u0438\u0442\u0435 \u043a\u043b\u0438\u0435\u043d\u0442\u0438. \u041c\u043e\u0436\u043d\u043e\u0441\u0442\u0438\u0442\u0435 \u0437\u0430 \u043f\u043e\u0432\u0442\u043e\u0440\u0443\u0432\u0430\u0447\u043a\u0438 \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0438 \u0438 \u0443\u043f\u0440\u0430\u0432\u0443\u0432\u0430\u045a\u0435 \u0441\u043e \u043f\u043b\u0430\u045c\u0430\u045a\u0430\u0442\u0430 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430\u0430\u0442 \u0442\u0440\u0433\u043e\u0432\u0446\u0438\u0442\u0435 \u043f\u043e\u043b\u0435\u0441\u043d\u043e \u0434\u0430 \u0433\u0438 \u043f\u0440\u0438\u0444\u0430\u0442\u0430\u0442 online \u043f\u043b\u0430\u045c\u0430\u045a\u0430\u0442\u0430, \u0430 \u0431\u043e\u043d\u0443\u0441 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430 \u0458\u0430 \u043f\u043e\u0442\u0442\u0438\u043a\u043d\u0443\u0432\u0430 \u0440\u0435\u0434\u043e\u0432\u043d\u0430\u0442\u0430 \u0443\u043f\u043e\u0442\u0440\u0435\u0431\u0430 \u043d\u0430 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0438\u0442\u0435 \u0437\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430.<\/p>\n\n\n\n<p>\u0414\u0435\u043d\u0435\u0441, <strong>73% \u043e\u0434 \u0442\u0440\u0430\u043d\u0441\u0430\u043a\u0446\u0438\u0438\u0442\u0435 \u0432\u043e \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a \u0441\u0435 \u043f\u0440\u0435\u043a\u0443 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438 \u043a\u0430\u043d\u0430\u043b\u0438<\/strong>, \u0448\u0442\u043e \u0435 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u043d\u043e \u043d\u0430\u0434 \u043f\u0440\u043e\u0441\u0435\u043a\u043e\u0442 \u043d\u0430 \u043f\u0430\u0437\u0430\u0440\u043e\u0442 \u043e\u0434 67%. \u041e\u0432\u0430 \u0433\u043e \u043f\u043e\u043a\u0430\u0436\u0443\u0432\u0430 \u0432\u043b\u0438\u0458\u0430\u043d\u0438\u0435\u0442\u043e \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0442\u0430 \u0432\u043e \u043f\u0440\u043e\u043c\u043e\u0446\u0438\u0458\u0430\u0442\u0430 \u043d\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438\u0442\u0435 \u0443\u0441\u043b\u0443\u0433\u0438 \u0438 \u043d\u0430\u0432\u0438\u043a\u0438\u0442\u0435 \u043d\u0430 \u043a\u043e\u0440\u0438\u0441\u043d\u0438\u0446\u0438\u0442\u0435.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0414\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430\u0442\u0430 \u043a\u0430\u043a\u043e \u0434\u0435\u043b \u043e\u0434 \u0441\u0435\u043a\u043e\u0458\u0434\u043d\u0435\u0432\u0438\u0435\u0442\u043e<\/strong><\/h3>\n\n\n\n<p>\u0411\u0430\u043d\u043a\u0430\u0442\u0430 \u043a\u043e\u043d\u0442\u0438\u043d\u0443\u0438\u0440\u0430\u043d\u043e \u0458\u0430 \u043f\u0440\u043e\u0448\u0438\u0440\u0443\u0432\u0430 \u043f\u043e\u043d\u0443\u0434\u0430\u0442\u0430 \u043d\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438 \u0443\u0441\u043b\u0443\u0433\u0438, \u0441\u043e \u0446\u0435\u043b \u0446\u0435\u043b\u043e\u0441\u043d\u043e online \u043e\u0442\u0432\u043e\u0440\u0430\u045a\u0435 \u043d\u0430 \u0441\u043c\u0435\u0442\u043a\u0438, \u043f\u0440\u0438\u0441\u0442\u0430\u043f \u0434\u043e \u0435\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u0441\u043a\u043e \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u043e, \u043e\u043d\u043b\u0430\u0458\u043d \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0438, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0438 \u0438 \u0434\u0435\u0431\u0438\u0442\u043d\u0438 \u043a\u0430\u0440\u0442\u0438\u0447\u043a\u0438. \u0412\u043e \u0438\u0441\u0442\u043e \u0432\u0440\u0435\u043c\u0435, \u0441\u0435 \u043f\u043e\u0434\u0433\u043e\u0442\u0432\u0443\u0432\u0430 \u0438 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 Apple Pay \u0438 Google Pay \u043a\u043e\u0458\u0430 \u0432\u043e \u0441\u0435\u043a\u043e\u0458 \u043c\u043e\u043c\u0435\u043d\u0442 \u0442\u0440\u0435\u0431\u0430 \u0434\u0430 \u0435 \u0430\u043a\u0442\u0438\u0432\u043d\u0430, \u043a\u0430\u043a\u043e \u0438 \u043c\u043e\u0431\u0438\u043b\u043d\u0438 POS \u0440\u0435\u0448\u0435\u043d\u0438\u0458\u0430 \u0437\u0430 \u043f\u043b\u0430\u045c\u0430\u045a\u0430 \u043f\u0440\u0438 \u0438\u0441\u043f\u043e\u0440\u0430\u043a\u0430, \u0441\u043e \u0448\u0442\u043e \u0441\u0435 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430 \u0430\u043b\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u0430 \u043d\u0430 cash on delivery.<\/p>\n\n\n\n<p><em>\u201e\u041a\u043b\u0443\u0447\u043e\u0442 \u043d\u0430 \u0443\u0441\u043f\u0435\u0445\u043e\u0442 \u043d\u0435 \u0441\u0435 \u0441\u0430\u043c\u043e \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438\u0442\u0435, \u0442\u0443\u043a\u0443 \u043f\u043e\u0441\u0432\u0435\u0442\u0435\u043d\u043e\u0441\u0442\u0430 \u043d\u0430 \u0442\u0438\u043c\u043e\u0442 \u0438 \u0444\u043e\u043a\u0443\u0441\u043e\u0442 \u043d\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435 \u043d\u0430 \u043a\u043b\u0438\u0435\u043d\u0442\u0438\u0442\u0435\u201c,<\/em> \u0432\u0435\u043b\u0438 \u0422\u0438\u043d\u0430 \u041f\u0435\u0442\u043a\u043e\u0441\u043a\u0430, \u0440\u0430\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b \u043d\u0430 \u043e\u0434\u0434\u0435\u043b\u0435\u043d\u0438\u0435\u0442\u043e \u0437\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u043e \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u043e \u0432\u043e \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a.<\/p>\n\n\n\n<p>\u0412\u043e \u0438\u043d\u0442\u0435\u0440\u0432\u0458\u0443\u0442\u043e, \u0447\u0438\u0442\u0430\u0442\u0435\u043b\u0438\u0442\u0435 \u045c\u0435 \u043c\u043e\u0436\u0430\u0442 \u0434\u0430 \u0441\u043b\u0443\u0448\u043d\u0430\u0442 \u043f\u043e\u0432\u0435\u045c\u0435 \u0437\u0430 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u0458\u0430 \u043a\u043e\u0438 \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a \u0433\u0438 \u0432\u043e\u0432\u0435\u0434\u0443\u0432\u0430 \u0437\u0430 \u043f\u043e\u0434\u0434\u0440\u0448\u043a\u0430 \u043d\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0446\u0438\u0442\u0435: <strong>\u043c\u043e\u0431\u0438\u043b\u043d\u0438 POS \u0442\u0435\u0440\u043c\u0438\u043d\u0430\u043b\u0438<\/strong> \u043a\u043e\u0438 \u043e\u0432\u043e\u0437\u043c\u043e\u0436\u0443\u0432\u0430\u0430\u0442 \u043f\u043b\u0430\u045c\u0430\u045a\u0430 \u043f\u0440\u0438 \u0434\u043e\u0441\u0442\u0430\u0432\u0430 \u0438 \u043f\u0440\u0438\u0434\u043e\u043d\u0435\u0441\u0443\u0432\u0430\u0430\u0442 \u0437\u0430 \u043d\u0430\u043c\u0430\u043b\u0443\u0432\u0430\u045a\u0435 \u043d\u0430 \u0441\u0438\u0432\u0430\u0442\u0430 \u0435\u043a\u043e\u043d\u043e\u043c\u0438\u0458\u0430, \u0442\u0435\u043a\u043e\u0432\u043d\u0430\u0442\u0430 <strong>\u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 Apple Pay<\/strong>, \u043a\u0430\u043a\u043e \u0438 \u043f\u0440\u0438\u0434\u043e\u0431\u0438\u0432\u043a\u0438\u0442\u0435 \u0437\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0446\u0438\u0442\u0435 \u043f\u0440\u0435\u043a\u0443 <strong>\u0431\u043e\u043d\u0443\u0441 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u0430\u0442\u0430<\/strong>, \u043a\u043e\u0458\u0430 \u0432\u0440\u0430\u045c\u0430 \u0434\u0443\u0440\u0438 <strong>3% cashback<\/strong> \u043f\u0440\u0438 \u0441\u0435\u043a\u043e\u0435 \u043f\u043b\u0430\u045c\u0430\u045a\u0435.<\/p>\n\n\n\n<p><strong>\u041f\u043e\u0433\u043b\u0435\u0434\u043d\u0435\u0442\u0435 \u0433\u043e \u0438\u043d\u0442\u0435\u0440\u0432\u0458\u0443\u0442\u043e \u0441\u043e \u0422\u0438\u043d\u0430 \u041f\u0435\u0442\u043a\u043e\u0441\u043a\u0430<\/strong>, \u0434\u0435\u043b \u043e\u0434 \u0441\u0435\u0440\u0438\u0458\u0430\u043b\u043e\u0442 <strong>E-commerce Industry Talks<\/strong>, \u043a\u0430\u0434\u0435 \u0448\u0442\u043e \u0434\u0435\u0442\u0430\u043b\u043d\u043e \u0441\u0435 \u0440\u0430\u0437\u0433\u043b\u0435\u0434\u0443\u0432\u0430 \u043f\u0430\u0442\u043e\u0442 \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0442\u0430, \u0438\u043d\u043e\u0432\u0430\u0446\u0438\u0438\u0442\u0435 \u0438 \u0431\u0440\u043e\u0458\u043a\u0438\u0442\u0435 \u043a\u043e\u0438 \u0458\u0430 \u043f\u043e\u043a\u0430\u0436\u0443\u0432\u0430\u0430\u0442 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0458\u0430\u0442\u0430 \u043d\u0430 \u043f\u0430\u0437\u0430\u0440\u043e\u0442.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"E-commerce Industry Talks: \u0422\u0438\u043d\u0430 \u041f\u0435\u0442\u043a\u043e\u0441\u043a\u0430, \u0420\u0430\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b \u043d\u0430 \u043e\u0434\u0434\u0435\u043b\u0435\u043d\u0438\u0435 \u0437\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u043e \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u0442\u0432\u043e, \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a\" width=\"800\" height=\"450\" src=\"https:\/\/www.youtube.com\/embed\/-zRPz2OztHg?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a \u0435 \u0435\u0434\u043d\u0430 \u043e\u0434 \u0432\u043e\u0434\u0435\u0447\u043a\u0438\u0442\u0435 \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0446\u0438\u0438 \u0432\u043e \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430 \u043a\u043e\u0433\u0430 \u0441\u0442\u0430\u043d\u0443\u0432\u0430 \u0437\u0431\u043e\u0440 \u0437\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u0438 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438\u0442\u0435 \u0443\u0441\u043b\u0443\u0433\u0438. \u041e\u0434 \u0441\u0430\u043c\u0438\u043e\u0442 \u043f\u043e\u0447\u0435\u0442\u043e\u043a \u043d\u0430 \u043f\u0440\u0438\u0441\u0443\u0441\u0442\u0432\u043e\u0442\u043e \u043d\u0430 \u043c\u0430\u043a\u0435\u0434\u043e\u043d\u0441\u043a\u0438\u043e\u0442 \u043f\u0430\u0437\u0430\u0440 \u0432\u043e 2011 \u0433\u043e\u0434\u0438\u043d\u0430, \u0431\u0430\u043d\u043a\u0430\u0442\u0430 \u0458\u0430 \u043f\u043e\u0434\u0434\u0440\u0436\u0443\u0432\u0430\u0448\u0435 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0430\u0442\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0438\u043e\u0442 \u0441\u0435\u043a\u0442\u043e\u0440, \u0432\u043e\u0432\u0435\u0434\u0443\u0432\u0430\u0458\u045c\u0438 \u0443\u0441\u043b\u0443\u0433\u0438 \u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438 \u043a\u043e\u0438 \u0433\u043e \u043e\u043b\u0435\u0441\u043d\u0443\u0432\u0430\u0430\u0442 \u043a\u043e\u0440\u0438\u0441\u0442\u0435\u045a\u0435\u0442\u043e \u043d\u0430 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0438\u0442\u0435 \u043a\u0430\u043d\u0430\u043b\u0438 \u0438 \u0433\u0438 \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u0430\u0430\u0442 \u0435-\u0442\u0440\u0433\u043e\u0432\u0446\u0438\u0442\u0435 \u0434\u0430 \u043f\u0440\u0438\u0444\u0430\u0442\u0430\u0442 online [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":38128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1421,90,148,96],"tags":[],"class_list":["post-37925","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-e-commerce-industry-talks","category-e-trgovija-vo-mk","category-148","category-intervjua"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[E-commerce Industry Talks] \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a - \u041f\u0430\u0442\u043e\u0442 \u043a\u043e\u043d \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430\u0442\u0430 \u0438 \u0440\u0430\u0437\u0432\u043e\u0458\u043e\u0442 \u043d\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430\u0442\u0430 \u0432\u043e \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430 - \u0410\u0441\u043e\u0446\u0438\u0458\u0430\u0446\u0438\u0458\u0430 \u0437\u0430 \u0435-\u0442\u0440\u0433\u043e\u0432\u0438\u0458\u0430 \u043d\u0430 \u041c\u0430\u043a\u0435\u0434\u043e\u043d\u0438\u0458\u0430<\/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:\/\/ecommerce.mk\/e-commerce-industry-talks-halk-banka-patot-kon-digitalizaczijata-i-razvojot-na-e-trgovijata-vo-makedonija\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[E-commerce Industry Talks] \u0425\u0430\u043b\u043a\u0431\u0430\u043d\u043a - \u041f\u0430\u0442\u043e\u0442 \u043a\u043e\u043d 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\u0434\u0438\u0433\u0438\u0442\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u0438 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0431\u0430\u043d\u043a\u0430\u0440\u0441\u043a\u0438\u0442\u0435 \u0443\u0441\u043b\u0443\u0433\u0438. \u041e\u0434 \u0441\u0430\u043c\u0438\u043e\u0442 \u043f\u043e\u0447\u0435\u0442\u043e\u043a \u043d\u0430 \u043f\u0440\u0438\u0441\u0443\u0441\u0442\u0432\u043e\u0442\u043e \u043d\u0430 \u043c\u0430\u043a\u0435\u0434\u043e\u043d\u0441\u043a\u0438\u043e\u0442 \u043f\u0430\u0437\u0430\u0440 \u0432\u043e 2011 \u0433\u043e\u0434\u0438\u043d\u0430, \u0431\u0430\u043d\u043a\u0430\u0442\u0430 \u0458\u0430 \u043f\u043e\u0434\u0434\u0440\u0436\u0443\u0432\u0430\u0448\u0435 \u0434\u0438\u0433\u0438\u0442\u0430\u043b\u043d\u0430\u0442\u0430 \u0442\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0458\u0430 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0441\u043a\u0438\u043e\u0442 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