{"id":10547,"date":"2023-04-26T07:00:00","date_gmt":"2023-04-26T04:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=10547"},"modified":"2023-04-26T11:22:40","modified_gmt":"2023-04-26T08:22:40","slug":"mastercard-qlobal-iqtisadiyyat-institutu-2023-p%c9%99rak%c9%99nd%c9%99-satis-trendl%c9%99ri-hesabatini-d%c9%99rc-edib","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=10547","title":{"rendered":"Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutu 2023 P\u0259rak\u0259nd\u0259 Sat\u0131\u015f Trendl\u0259ri Hesabat\u0131n\u0131 d\u0259rc edib"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutu 2023 P\u0259rak\u0259nd\u0259 Sat\u0131\u015f Trendl\u0259ri Hesabat\u0131n\u0131 d\u0259rc edib<\/strong><\/p>\n\n\n\n<p><strong><em>S<\/em><\/strong><em>on 5 ild\u0259 Az\u0259rbaycan kart \u00f6d\u0259ni\u015fl\u0259rinin art\u0131m tempin\u0259 g\u00f6r\u0259 d\u00fcnyada \u0259n \u00fcst s\u0131ralardan birind\u0259 q\u0259rarla\u015f\u0131b<\/em><em><\/em><\/p>\n\n\n\n<p>Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutu 2023-c\u00fc ild\u0259 h\u0259m qlobal p\u0259rak\u0259nd\u0259 sat\u0131\u015f sektoru, h\u0259m d\u0259 istehlak\u00e7\u0131 fikirl\u0259rini i\u015f\u0131qland\u0131ran hesabat\u0131n\u0131 d\u0259rc edib. D\u0259yi\u015f\u0259n iqtisadiyyat\u0131n istehlak\u00e7\u0131 se\u00e7iml\u0259rin\u0259 t\u0259sirini, m\u00fc\u015ft\u0259ri t\u0259cr\u00fcb\u0259sind\u0259 m\u0259lumat analitikas\u0131n\u0131n v\u0259 geni\u015f \u00f6d\u0259ni\u015f variantlar\u0131n\u0131n \u0259h\u0259miyy\u0259tini&nbsp;izah ed\u0259n hesabat h\u0259m d\u0259 qlobal iqtisadi d\u00fcnyag\u00f6r\u00fc\u015f\u00fc haqq\u0131nda ipuclar\u0131 ehtiva edir.<\/p>\n\n\n\n<p>Pandemiyan\u0131n ard\u0131nca qlobal p\u0259rak\u0259nd\u0259 sat\u0131\u015f s\u0259nayesi d\u0259 bir transformasiya d\u00f6vr\u00fcnd\u0259n ke\u00e7ir.\u00a0P\u0259rak\u0259nd\u0259 sat\u0131c\u0131lar \u00fc\u00e7\u00fcn bu prosesi yax\u015f\u0131 t\u0259hlil etm\u0259k, istehlak\u00e7\u0131lar\u0131 anlamaq v\u0259 onlara d\u00fczg\u00fcn f\u0259rdil\u0259\u015fdirilmi\u015f h\u0259ll v\u0259 \u00f6d\u0259ni\u015f variantlar\u0131n\u0131 t\u0259klif etm\u0259k h\u0259mi\u015f\u0259kind\u0259n daha \u00e7ox \u00f6n\u0259m da\u015f\u0131y\u0131r.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-1024x1024.jpg\" alt=\"\" class=\"wp-image-10548\" width=\"317\" height=\"317\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard.jpg 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-300x300.jpg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-150x150.jpg 150w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-768x768.jpg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-360x360.jpg 360w\" sizes=\"(max-width: 317px) 100vw, 317px\" \/><\/figure><\/div>\n\n\n<p>Mastercard-\u0131n h\u0259m qlobal p\u0259rak\u0259nd\u0259 sat\u0131\u015f s\u0259nayesi, h\u0259m d\u0259 istehlak\u00e7\u0131lar\u0131n fikirl\u0259rini t\u0259hlil etdiyi Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutunun 2023-c\u00fc il P\u0259rak\u0259nd\u0259 Ticar\u0259t Trendl\u0259ri Hesabat\u0131nda d\u00fcnya \u00fczr\u0259 \u00f6n\u0259 \u00e7\u0131xan m\u00f6vzular m\u00fczakir\u0259 olunur. Bu tendensiyalar iqtisadiyyat\u0131n istehlak\u00e7\u0131 se\u00e7imin\u0259 t\u0259siri, m\u00fc\u015ft\u0259ri t\u0259cr\u00fcb\u0259sinin formala\u015fmas\u0131nda analitika v\u0259 loyall\u0131\u011f\u0131n rolunu, geni\u015fl\u0259n\u0259n \u00f6d\u0259ni\u015f se\u00e7iml\u0259ri&nbsp;v\u0259 al\u0131\u015f-veri\u015f t\u0259cr\u00fcb\u0259l\u0259rini \u0259hat\u0259 edir.<\/p>\n\n\n\n<p><strong>Qlobal inflyasiyaya baxmayaraq, s<\/strong><strong>\u0259<\/strong><strong>yah<\/strong><strong>\u0259<\/strong><strong>t v<\/strong><strong>\u0259<\/strong><strong> qida-i\u00e7ki x<\/strong><strong>\u0259<\/strong><strong>rcl<\/strong><strong>\u0259<\/strong><strong>rinin pay\u0131 artacaq<\/strong><\/p>\n\n\n\n<p>Hesabata g\u00f6r\u0259, qlobal inflyasiyan\u0131n artmas\u0131na baxmayaraq, bir \u00e7ox istehlak\u00e7\u0131&nbsp;s\u0259yah\u0259t v\u0259 yeyib-i\u00e7m\u0259k&nbsp;v\u0259rdi\u015fl\u0259rini davam etdirm\u0259k \u00fc\u00e7\u00fcn g\u00fcnd\u0259lik x\u0259rcl\u0259rinin bir hiss\u0259sini azald\u0131r.&nbsp;Ara\u015fd\u0131rmaya g\u00f6r\u0259, artan \u0259rzaq inflyasiyas\u0131 istehlak\u00e7\u0131lar\u0131 g\u00fcnd\u0259lik \u0259rzaq al\u0131\u015f-veri\u015fl\u0259rind\u0259 daha s\u0259rf\u0259li ma\u011fazalara v\u0259 brendl\u0259r\u0259 y\u00f6n\u0259ldir. D\u0259bd\u0259b\u0259li istehlak adland\u0131ra bil\u0259c\u0259yimiz mebel, elektronika v\u0259 geyim m\u0259hsullar\u0131nda istehlak\u00e7\u0131lar x\u0259rcl\u0259rini daha m\u0259hdud saxlay\u0131r v\u0259 al\u0131\u015f-veri\u015fl\u0259rini elektron ticar\u0259t kanallar\u0131 \u00fcz\u0259rind\u0259n etm\u0259y\u0259 \u00fcst\u00fcnl\u00fck verirl\u0259r.<\/p>\n\n\n\n<p>Mastercard \u0130qtisadiyyat \u0130nstitutunun hesabat\u0131 g\u00f6st\u0259rir ki, 2023-c\u00fc ild\u0259 s\u0259yah\u0259t v\u0259 t\u0259cr\u00fcb\u0259 x\u0259rcl\u0259rinin \u00fcmumi istehlak x\u0259rcl\u0259rind\u0259ki pay\u0131 artacaq, l\u00fcks istehlak\u0131n pay\u0131 is\u0259 azalacaq. Dig\u0259r t\u0259r\u0259fd\u0259n Mastercard m\u0259lumatlar\u0131na \u0259sas\u0259n qlobal inflyasiya s\u0259b\u0259biyl\u0259 uzun ill\u0259r kredit kartlar\u0131ndan daha s\u00fcr\u0259tli b\u00f6y\u00fcy\u0259n debet kartlar\u0131 il\u0259 edil\u0259n al\u0131\u015f-veri\u015fl\u0259rd\u0259 yenid\u0259n kredit kartlar\u0131ndan istifad\u0259y\u0259 meyllilik artmaqdad\u0131r.&nbsp;<\/p>\n\n\n\n<p>Bu proses art\u0131q Az\u0259rbaycanda m\u00fc\u015fay\u0259t olunur. Bel\u0259 ki, hesablamalara g\u00f6r\u0259, debet kartlar\u0131 ill\u0259rdir ki, Az\u0259rbaycan\u0131n \u00f6d\u0259ni\u015f sisteml\u0259ri bazar\u0131n\u0131n \u0259sas\u0131n\u0131 t\u0259\u015fkil edir, lakin kredit kartlar\u0131na h\u0259m sahib olmaq, h\u0259m d\u0259 onlar\u0131n istifad\u0259sind\u0259 bir s\u0131ra m\u0259hdudiyy\u0259tlar m\u00f6vcud olub. Ancaq son d\u00f6vrd\u0259ki ikir\u0259q\u0259mli inflyasiya il\u0259 eyni vaxtda borclar\u0131n daha sonra \u00f6d\u0259nilm\u0259sini m\u00fcmk\u00fcn ed\u0259n v\u0259 hiss\u0259-hiss\u0259 \u00f6d\u0259ni\u015f t\u0259klif ed\u0259n kredit kartlar\u0131n\u0131n c\u0259lbediciliyi d\u0259 art\u0131b. Bu v\u0259ziyy\u0259t sektor r\u0259q\u0259ml\u0259rind\u0259 tez bir zamanda \u0259ks olunub. 2022-ci ild\u0259 kredit kartlar\u0131n\u0131n say\u0131 debet kartlar\u0131na nisb\u0259t\u0259n t\u0259xmin\u0259n 2 d\u0259f\u0259 daha s\u00fcr\u0259tl\u0259 art\u0131b v\u0259 kart \u0259m\u0259liyyatlar\u0131nda kredit kartlar\u0131n\u0131n n\u0259z\u0259r\u0259\u00e7arpacaq d\u0259r\u0259c\u0259d\u0259 daha \u00e7ox paya sahib olub. Yeni burax\u0131lm\u0131\u015f kredit kartlar\u0131n\u0131n s\u0259rf\u0259li t\u0259klifl\u0259ri il\u0259 bu tendensiyan\u0131n davam etm\u0259si ehtimal\u0131 y\u00fcks\u0259kdir.<\/p>\n\n\n\n<p><strong>\u0130stehlak\u00e7\u0131n\u0131 anlamaq daha da vacibdir<\/strong><\/p>\n\n\n\n<p>\u0130stehlak\u00e7\u0131lar mesajlar, sosial media, e-po\u00e7t v\u0259 markalar\u0131n reklamlar\u0131 kimi mobil marketinq vasit\u0259l\u0259ri il\u0259 m\u00fcnt\u0259z\u0259m olaraq \u0259ld\u0259 etdikl\u0259ri m\u0259lumat ax\u0131n\u0131n\u0131 idar\u0259 etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131rlar. Dig\u0259r t\u0259r\u0259fd\u0259n, iqtisadi \u015f\u0259rtl\u0259r, m\u0259lumatlar\u0131n m\u0259xfiliyi, inflyasiya, epidemiyalar v\u0259 m\u00fcxt\u0259lif sosial probleml\u0259r s\u0259b\u0259bind\u0259n p\u0259rak\u0259nd\u0259 sat\u0131\u015f \u015firk\u0259tl\u0259rinin getdikc\u0259 artan r\u0259qab\u0259t m\u00fchitind\u0259 istehlak\u00e7\u0131larla t\u0259mas n\u00f6qt\u0259si yaratmas\u0131 getdikc\u0259 \u00e7\u0259tinl\u0259\u015fir.<\/p>\n\n\n\n<p>Hesabatda qeyd olunur ki, istehlak\u00e7\u0131 v\u0259rdi\u015fl\u0259rinin davaml\u0131 d\u0259yi\u015fm\u0259si s\u0259b\u0259bind\u0259n&nbsp;p\u0259rak\u0259nd\u0259 sat\u0131c\u0131lar\u0131n&nbsp;s\u00fcr\u0259tli h\u0259r\u0259k\u0259t\u0259 ke\u00e7m\u0259si&nbsp;v\u0259 b\u00fct\u00fcn add\u0131mlar\u0131n n\u0259tic\u0259l\u0259rini qiym\u0259tl\u0259ndirm\u0259si laz\u0131md\u0131r, \u00e7ox kanall\u0131 marketinq vasit\u0259l\u0259rind\u0259n istifad\u0259 ed\u0259rk\u0259n proaktiv olmaq da bir o q\u0259d\u0259r vacibdir.&nbsp;<\/p>\n\n\n\n<p>Mastercard-\u0131n t\u0259hlilin\u0259 g\u00f6r\u0259, &nbsp;son 5 ild\u0259 Az\u0259rbaycan kart \u00f6d\u0259ni\u015fl\u0259rinin art\u0131m tempin\u0259 g\u00f6r\u0259 d\u00fcnyada \u0259n \u00fcst s\u0131ralardan birind\u0259 q\u0259rarla\u015f\u0131b. Bunun \u0259n bariz g\u00f6st\u0259ricisi kart \u00f6d\u0259ni\u015fl\u0259rinin m\u0259i\u015f\u0259t istehlak\u0131ndak\u0131 x\u00fcsusi \u00e7\u0259kisinin 5%-d\u0259n 25%-\u0259 y\u00fcks\u0259lm\u0259sidir. T\u0259bii ki, bu inki\u015faf\u0131 \u015f\u0259rtl\u0259ndir\u0259n m\u00fch\u00fcm amill\u0259r var. Birincisi, bank ekosistemind\u0259 fiziki \u015f\u0259xsl\u0259rin say\u0131n\u0131n s\u00fcr\u0259tl\u0259 artmas\u0131 v\u0259 n\u0259tic\u0259d\u0259 \u00f6lk\u0259d\u0259 adamba\u015f\u0131na d\u00fc\u015f\u0259n kartlar\u0131n \u00fcmumi say\u0131n\u0131n 5 ild\u0259 2 d\u0259f\u0259 \u00e7oxalmas\u0131d\u0131r. \u0130kinci amil \u00f6lk\u0259 \u00fczr\u0259 kart q\u0259bulu m\u0259nt\u0259q\u0259l\u0259rinin say\u0131n\u0131n artmas\u0131 v\u0259 banklar t\u0259r\u0259find\u0259n s\u0259xav\u0259tli m\u00fckafat proqramlar\u0131n\u0131n t\u0259tbiqi say\u0259sind\u0259 kart \u0259m\u0259liyyatlar\u0131nda al\u0131\u015f-veri\u015fin na\u011fdla\u015fd\u0131rman\u0131 \u00fcst\u0259l\u0259m\u0259sidir.&nbsp; e-ticar\u0259tin artmas\u0131 v\u0259 x\u00fcsusil\u0259 pandemiya d\u00f6vr\u00fcnd\u0259 na\u011fd puldan istifad\u0259 sah\u0259l\u0259rinin m\u0259hdudla\u015fd\u0131r\u0131lmas\u0131 istehlak\u00e7\u0131lar\u0131 al\u0131\u015f-veri\u015f \u00fc\u00e7\u00fcn bank kartlar\u0131ndan istifad\u0259 etm\u0259y\u0259 s\u00f6vq edir.<\/p>\n\n\n\n<p><strong>F<\/strong><strong>\u0259<\/strong><strong>rqli \u00f6d<\/strong><strong>\u0259<\/strong><strong>ni\u015f se\u00e7iml<\/strong><strong>\u0259<\/strong><strong>ri loyall\u0131q&nbsp;t<\/strong><strong>\u0259<\/strong><strong>min edir<\/strong><\/p>\n\n\n\n<p>Mastercard \u0130qtisadiyyat \u0130nstitutu 2023&nbsp;hesabat\u0131nda bildirilir ki, elektron ticar\u0259t geni\u015f yay\u0131lmadan v\u0259 ma\u011fazadaxili \u00f6d\u0259ni\u015fl\u0259r \u00fcst\u00fcnl\u00fck t\u0259\u015fkil etm\u0259zd\u0259n \u0259vv\u0259l \u00f6d\u0259ni\u015fl\u0259r yaln\u0131z kart v\u0259 ya na\u011fd pulla h\u0259yata ke\u00e7irilirdi. Bu s\u0259b\u0259bd\u0259n d\u0259 f\u0259rqli \u00f6d\u0259ni\u015f se\u00e7iml\u0259ri&nbsp;t\u0259klif etm\u0259k qabiliyy\u0259tinin 2023-c\u00fc ild\u0259 p\u0259rak\u0259nd\u0259 sat\u0131c\u0131lar&nbsp;\u00fc\u00e7\u00fcn m\u00fc\u015ft\u0259ri loyall\u0131\u011f\u0131n\u0131&nbsp;art\u0131rmaq&nbsp;bax\u0131m\u0131ndan&nbsp;&#8220;a\u00e7ar h\u0259ll\u0259rd\u0259n&#8221;&nbsp;biri oldu\u011fu qeyd olunur.<\/p>\n\n\n\n<p><strong>T<\/strong><strong>\u0259<\/strong><strong>mass\u0131z kartlardan istifad<\/strong><strong>\u0259<\/strong><strong> art\u0131b<\/strong><\/p>\n\n\n\n<p>Pandemiya \u00fcz-\u00fcz\u0259 al\u0131\u015f-veri\u015f zaman\u0131&nbsp;t\u0259mass\u0131z kart \u00f6d\u0259ni\u015fl\u0259rinin istifad\u0259sini s\u00fcr\u0259tl\u0259ndirs\u0259 d\u0259, 2022-ci ilin mart ay\u0131nda d\u0259rc edil\u0259n Mastercard Yeni \u00d6d\u0259ni\u015fl\u0259r \u0130ndeksi (NPI) d\u00fcnya \u00fczr\u0259 istehlak\u00e7\u0131lar\u0131n c\u0259mi 44%-nin t\u0259mass\u0131z kart \u00f6d\u0259ni\u015fl\u0259ri etdiyini qeyd edir. H\u0259m\u00e7inin, NPI sor\u011fusunda i\u015ftirak ed\u0259n respondentl\u0259rin 64%-i 2023-c\u00fc ild\u0259 kart m\u0259lumatlar\u0131n\u0131 \u0259l il\u0259 daxil etm\u0259k yolu il\u0259 onlayn \u00f6d\u0259ni\u015fl\u0259r etm\u0259k ehtimallar\u0131n\u0131n&nbsp;daha y\u00fcks\u0259k oldu\u011funu bildirib.<\/p>\n\n\n\n<p>NPI sor\u011fusunun n\u0259tic\u0259l\u0259rini d\u0259st\u0259kl\u0259y\u0259n Mastercard \u0130qtisadiyyat \u0130nstitutunun 2023 hesabat\u0131na g\u00f6r\u0259, elektron ticar\u0259tin g\u0259l\u0259c\u0259yi indi kart emitentl\u0259rind\u0259n, \u00f6d\u0259ni\u015f h\u0259ll\u0259ri t\u0259minat\u00e7\u0131lar\u0131ndan v\u0259 p\u0259rak\u0259nd\u0259 sat\u0131c\u0131lar\u0131n ma\u011fazada t\u0259mass\u0131z kart istifad\u0259sini elektron ticar\u0259td\u0259 bir klikl\u0259 \u00f6d\u0259ni\u015f standart\u0131 hal\u0131na salmaq&nbsp;qabiliyy\u0259tind\u0259n as\u0131l\u0131d\u0131r.<\/p>\n\n\n\n<p>Mastercard-\u0131n Az\u0259rbaycan \u00fczr\u0259 m\u0259lumatlar\u0131n\u0131n n\u0259tic\u0259l\u0259rin\u0259 g\u00f6r\u0259, Az\u0259rbaycan smartfonlardan istifad\u0259 nisb\u0259tin\u0259 g\u00f6r\u0259 se\u00e7il\u0259n \u00f6lk\u0259dir \u2013 70%-d\u0259n \u00e7ox smartfon penetrasiyas\u0131 il\u0259 bir \u00e7ox Avropa \u00f6lk\u0259l\u0259rini gerid\u0259 qoyur. Bunun t\u0259siri yeni \u00f6d\u0259ni\u015f \u00fcsullar\u0131n\u0131n s\u00fcr\u0259tl\u0259 t\u0259tbiq edilm\u0259sind\u0259 d\u0259 \u00f6z\u00fcn\u00fc biruz\u0259 verir. \u00d6lk\u0259d\u0259 \u00fcmumi kart \u0259m\u0259liyyatlar\u0131n\u0131n yar\u0131dan \u00e7oxunu elektron ticar\u0259t t\u0259\u015fkil edir v\u0259 bu nisb\u0259t getdikc\u0259 artmaqdad\u0131r. Dig\u0259r t\u0259r\u0259fd\u0259n, 2021-ci ilin sonunda Apple Pay v\u0259 2022-ci ild\u0259 Google Pay istifad\u0259y\u0259 verildikd\u0259n sonra fiziki al\u0131\u015f-veri\u015f \u00fc\u00e7\u00fcn smartfonlar\u0131n istifad\u0259si d\u0259 s\u00fcr\u0259tl\u0259 m\u0259nims\u0259nildi. M\u00f6vcud statistikaya g\u00f6r\u0259, h\u0259r 7 fiziki \u00f6d\u0259ni\u015f \u0259m\u0259liyyat\u0131ndan 1-i smartfonlar \u00fcz\u0259rind\u0259n h\u0259yata ke\u00e7irilir. \u0130ctimai n\u0259qliyyat kimi yeni istifad\u0259 sah\u0259l\u0259rinin meydana \u00e7\u0131xmas\u0131 il\u0259 yax\u0131n g\u0259l\u0259c\u0259kd\u0259 smartfonlardan plastik kartlara nisb\u0259t\u0259n intensiv \u015f\u0259kild\u0259 istifad\u0259 edil\u0259c\u0259yini proqnozla\u015fd\u0131rmaq \u00e7\u0259tin deyil.<\/p>\n\n\n\n<p><strong>Redaktorlar \u00fc\u00e7\u00fcn qeydl\u0259r:<\/strong><\/p>\n\n\n\n<p><strong>Mastercard haqq\u0131nda (NYSE: MA), <\/strong><a href=\"http:\/\/www.mastercard.com\"><strong>www.mastercard.com<\/strong><\/a><\/p>\n\n\n\n<p>Master\u0441ard&nbsp;&nbsp; \u00f6d\u0259ni\u015f&nbsp;&nbsp; s\u0259nayesi sah\u0259sind\u0259&nbsp;&nbsp; f\u0259aliyy\u0259t&nbsp;&nbsp; g\u00f6st\u0259r\u0259n&nbsp;&nbsp; qlobal&nbsp;&nbsp; bir&nbsp;&nbsp; texnologiya\u015firk\u0259tidir.&nbsp;&nbsp; Bizim&nbsp;&nbsp; missiyam\u0131z&nbsp;&nbsp; \u0259m\u0259liyyatlar\u0131&nbsp; daha&nbsp;&nbsp; t\u0259hl\u00fck\u0259siz,&nbsp;&nbsp; sad\u0259,&nbsp;&nbsp; a\u011f\u0131ll\u0131&nbsp;&nbsp; v\u0259 \u0259l\u00e7atan etm\u0259kl\u0259 h\u0259r k\u0259s\u0259 h\u0259r yerd\u0259 faydal\u0131 olan \u0259hat\u0259li, r\u0259q\u0259msal iqtisadiyyat yaratmaq&nbsp;&nbsp; v\u0259&nbsp;&nbsp; onu&nbsp;&nbsp; g\u00fccl\u0259ndirm\u0259kdir.&nbsp;&nbsp; T\u0259hl\u00fck\u0259siz&nbsp;&nbsp; m\u0259lumatlar v\u0259&nbsp; \u015f\u0259b\u0259k\u0259l\u0259r , t\u0259r\u0259fda\u015fl\u0131qlar v\u0259 ist\u0259kd\u0259n&nbsp;&nbsp;&nbsp; istifad\u0259&nbsp;&nbsp; ed\u0259r\u0259k&nbsp;&nbsp; bizim&nbsp;&nbsp; innovasiya&nbsp;&nbsp; v\u0259&nbsp;&nbsp; h\u0259ll\u0259rimiz&nbsp;&nbsp; f\u0259rdl\u0259r\u0259, maliyy\u0259&nbsp;&nbsp; institutlar\u0131na,&nbsp;&nbsp; h\u00f6k\u00fcm\u0259tl\u0259r\u0259&nbsp;&nbsp; v\u0259&nbsp;&nbsp; \u015firk\u0259tl\u0259r\u0259&nbsp;&nbsp; \u00f6zl\u0259rinin &nbsp;&nbsp;\u0259n&nbsp;&nbsp; b\u00f6y\u00fck potensial\u0131n\u0131 realla\u015fd\u0131rmaqda k\u00f6m\u0259k edir. Bizim nizam-intizam \u0259msal\u0131m\u0131z bizim m\u0259d\u0259niyy\u0259timiz\u0259&nbsp;&nbsp; v\u0259&nbsp;&nbsp; \u015firk\u0259t&nbsp;&nbsp; daxilind\u0259&nbsp;&nbsp; v\u0259&nbsp;&nbsp; xaricind\u0259&nbsp;&nbsp; g\u00f6rd\u00fcy\u00fcm\u00fcz&nbsp;&nbsp; h\u0259r&nbsp;&nbsp; bir&nbsp;&nbsp; i\u015f\u0259 stimul verir. Biz, 210-dan \u00e7ox \u00f6lk\u0259 v\u0259 b\u00f6lg\u0259d\u0259ki ba\u011flant\u0131lar\u0131m\u0131zla h\u0259r k\u0259s \u00fc\u00e7\u00fcn qiym\u0259tsiz imkanlar a\u00e7an dayan\u0131ql\u0131 bir d\u00fcnya qururuq.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutu 2023 P\u0259rak\u0259nd\u0259 Sat\u0131\u015f Trendl\u0259ri Hesabat\u0131n\u0131 d\u0259rc edib Son 5 ild\u0259 Az\u0259rbaycan kart \u00f6d\u0259ni\u015fl\u0259rinin art\u0131m tempin\u0259 g\u00f6r\u0259 d\u00fcnyada \u0259n \u00fcst s\u0131ralardan birind\u0259 q\u0259rarla\u015f\u0131b Mastercard Qlobal \u0130qtisadiyyat \u0130nstitutu 2023-c\u00fc ild\u0259 h\u0259m qlobal p\u0259rak\u0259nd\u0259&#8230;<\/p>\n","protected":false},"author":2,"featured_media":10548,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/10547"}],"collection":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10547"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/10547\/revisions"}],"predecessor-version":[{"id":10552,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/10547\/revisions\/10552"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/10548"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10547"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10547"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}