??? ????? ?????? ??????? ?????? ???????????? ??? ?????? ???? ???????????? ??? ????????????? ??? ?????? ???????????.????? ?????? ????? ????????? ??????????? ????????? ???????????????. ??????? ?????? ?? ?????????? ????? ???????? ?????? ????? ???????? ?????.The rise of ?????has resulted in a heightened reliance on cellular wallets and electronic payme