Verjin amisnerin kiberhancagortsutyan nor tesak e mer erkrum layn taratsvel․ Hayk Mkrtchyan

Fri, 10 Apr 2026 21:45:26 +0400

«Hraparak@» HH NGN Qreakan vostikanutyan glkhavor varchutyan kiberhancagortsutyunneri dem payqari varchutyan pet Hayk Mkrtchyani het zrucel e mets taratsum stacats kiberhancagortsutyunneri veraberyal։

– Kiberhancagortsutyunneri masov inchpisi՞ tendenc unenq։ Bankayin volortum nman hancagortsutyunner i՞nch mekhanizmnerov en irakanacvum։

– Bankayin volorti hancagortsutyunner@ erku ughghutmab karogh enq dasakargel՝ arajin depqum erb ughigh bankayin hamakargn en tirakhavorum, isk erkrordi paragayum erb mardkanc en tirakhavorum, nranc hashivner@։ Mer praktikan cuyc e talis, vor nman depq, vor bankayin hamakargi vra vor hardzakum kataren u finansakan mets vnasner pattcharen, menq chunenq ardzanagrvats, aysinqn bankeri koghmic nman bogheqner chen nerkayacvel։ Erkrordi paragayum hancagortsner@ tarber eghanaknerov tirakhavorum en qaghaqacinerin, u khabeutyamb karoghanum en nranc onlayn bankingnerin hasaneliutyun stanal։ Orinak karogh en nerkayanal banki ashkhatakic, asel, vor irenc tvyalnerov pordzel en vark dzevakerpel, khndren, vor herakhosin ekogh kod@ haytnen, vorpeszi chegharken gortsarq@։ Ayn qaghaqaciner@, voronq vstahum u tramadrum en ayd kod@, hasaneliutyun en talis hancagortsnerin irenc onlayn bankingin, u erb hasaneliutyun en stanum arden dzevakerpum en nor varker, hapshtakum en hashivnerin arka gumarner@։

– Nman depqeri masov bacahaytumner ka՞n։

– Verjin amisnerin e hancagortsutyan ays tesak@ mer erkrum layn taratsvel, aysinqn norutyun e mer erkrum ev derevs bacahaytman pulum e gtnvum, aysinqn hancagortsutyunner@ arterkric en katarvats ev ays paragayum mijazgayin hamagortsakcutyun e karevor, isk da zhamanakatar gorts@ntac e։ Aysinqn ayn qayler@, voronq anhrazhesht e, vor mer erkri iravapah hamakargi koghmic katarvi, bolvor qayler@ katarvel en, mnacats@ spasum enq mer mijazgayin gorts@nkerneri iravakan ardzaganqin, vorpeszi amboghjapes bacahaytum asvats@ ir tramabanakan avartin hascvi։

– Nman depqeri masov i՞nch vitchakagrutyun ka։

– Verjin ereq tarva vitchakagrutyamb 2022t-in @ndhanur kiberhancagortsutyunneri ardzanagrvats depqer@ eghel en 1213 depq, 2023t-in՝1233depq, isk arden 2025t-in 300 depqov avel e eghel։

– Atchi hstak tendenc e nkatvum։ Inchvo՞v e da paymanavorvats։

– Ayvo, @nd vorum ayd tendenc@ miayn Hayastanum che, vor nkatvum e։ Da mi sharq pattcharner uni, orinak dranic e teghekatvakan tekhnolvogianeri zargacum@, manavand onlayn bankingnern en zarganum, vtcharumneri mets masn irakanacvum e arcanc eghanaknerov։ Aysinqn inchqan tekhnolvogian zarganum e mardkanc kyanq@ heshtacnelu npatakov, aynqan hancagortsneri hamar ayd tiruyt@ gravich e darnum։ Ayzhm hamacanc@ dardzel e mer kencaghayin kariqner@ hogalu anbazhan mas, henc aystegh el hancagortsner@ irenc tsughaknern en dnum, vorovhetev irenq el en gitakcum, vor aveli lav e u anvtang ayl ashkhahamasum kam ayl erkrum gtnvelov aveli anvtang e, vor finansavoren ayl erkrum gtnvogh qaghaqacun, qan real kyanqum inch vor hancagortsutyun kataren։ Amboghj ashkharhum nkatvum e ayd transformacian, erb real kyanqi hancagortsutyunner@՝ goghutyunner@, khardakhutyunner@ sahun kerpov teghapokhvum en virtual tiruyt ev ayd hancagortsutyunner@ irakanacvum en virtual tiruytum։ Virtual tiruyt@ shat hancatesakner klanum e ir mej, dranov el paymanavorvats atchi mitum e nkatvum։

– Vovqe՞r en aravel hatchakh hancagortsneri tirakhum haytnvum։

– Aravel hatchakh tirakhavorum en kariqavor mardkanc։ Aysinqn ayn mard@, vov chuni kayun ekamut, chuni kayun ashkhatanq, inq@ pordzum e hamacancum hesht gumar ashkhatelu mijocner gtnel, da mardkayinhogebanutyun e։ Shater@ lsel en, vor hamacanci mijocvov hnaravor e gumar ashkhatel, bayc khndri bardutyun@ chen patkeracnum։ Tarber haytararutyunner en pordzum gtnel՝ tanic ashkhatanq ev ayln։ Hancagortsner@ ays keti vra en ashkhatum naev, orinak karogh en arajarkel qaghaqacun nerdrum anel, orinak arajarkel 100 dolar nerdrum anel, khostanalov mek shabatva mej 300% ekamtaberutyun apahovel։ Sa nerdrumayin khardakhutyan tesak e, paymanakan arajarkum en AME-um robvotashinutyan mej nerdrum anel, kam kriptoarzhuytneri shukayum nerdrum anel, arajin shabat@ tesnum en, vor paymanakan 20 dolar avelacav, @nd vorum ayd 20 dolar@ ir nerdrats gumaric e, paymanakan da veradardznum en mardun, patranq steghtselov, vor sksel e gumar ashkhatel։ Erb da tesnum e, pordzum e mets chapi gumarner nerdnel։ Isk nerdrumic hetvo el ayd gumarneri ter@ chi linum։ Sa amenataratsvats kiberhancagortsutyan tesakneric e։