{"id":23008,"date":"2024-04-23T04:00:00","date_gmt":"2024-04-23T01:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=23008"},"modified":"2024-04-23T13:31:33","modified_gmt":"2024-04-23T10:31:33","slug":"yeni-strateji-dovrd%c9%99-yelo-innovativ-bank-movqeyini-gucl%c9%99ndir%c9%99c%c9%99k","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=23008","title":{"rendered":"&#8220;Yeni strateji d\u00f6vrd\u0259 Yelo innovativ bank m\u00f6vqeyini g\u00fccl\u0259ndir\u0259c\u0259k&#8221;"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>&#8220;Yeni strateji d\u00f6vrd\u0259 Yelo innovativ bank m\u00f6vqeyini g\u00fccl\u0259ndir\u0259c\u0259k&#8221;<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Emil m\u00fc\u0259llim, xo\u015f g\u00f6rd\u00fck. G\u0259lin 2023-c\u00fc il\u0259 q\u0131sa bax\u0131\u015f ed\u0259k. \u00d6t\u0259n ili h\u0259m Bank\u0131n\u0131z, h\u0259m d\u0259 maliyy\u0259 sektoru \u00fc\u00e7\u00fcn nec\u0259 d\u0259y\u0259rl\u0259ndirirsiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u0130lk \u00f6nc\u0259 m\u00fcsahib\u0259 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edir\u0259m. \u00d6t\u0259n ili h\u0259m Yelo Bank, h\u0259m d\u0259 b\u00fct\u00f6vl\u00fckd\u0259 Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli ir\u0259lil\u0259yi\u015fl\u0259r v\u0259 b\u0259zi n\u0259h\u0259ng \u00e7a\u011f\u0131r\u0131\u015flarla yaddaqalan bir il kimi d\u0259y\u0259rl\u0259ndirir\u0259m. \u018fg\u0259r r\u0259q\u0259ml\u0259r\u0259 n\u0259z\u0259r yetirs\u0259k, \u00f6t\u0259n il bank sektorunda \u00fcmumi kredit portfeli d\u0259 daxil olmaqla, \u0259h\u0259miyy\u0259tli inki\u015fafa \u015fahid olduq. \u018fvv\u0259lki ilin m\u00fcvafiq d\u00f6vr\u00fcn\u0259 n\u0259z\u0259r\u0259n banklar\u0131n \u00fcmumi kredit portfeli 18% art\u0131b. \u00dcmumiyy\u0259tl\u0259, 2023-c\u00fc il Yelo Bank \u00fc\u00e7\u00fcn h\u0259d\u0259fl\u0259ri art\u0131qlamas\u0131 il\u0259 yerin\u0259 yetirdiyimiz, m\u0259nf\u0259\u0259timizd\u0259 sabit art\u0131ma nail oldu\u011fumuz v\u0259 bazar m\u00f6vqeyimizi g\u00fccl\u0259ndirdiyimiz bir il oldu.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat-1024x768.png\" alt=\"\" class=\"wp-image-23009\" style=\"width:442px;height:auto\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat-1024x768.png 1024w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat-300x225.png 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat-768x576.png 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat-360x270.png 360w, https:\/\/rockvell.com\/wp-content\/uploads\/2024\/04\/Emil-Dusdurov-Sitat.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<ul>\n<li><strong>Cari ilin birinci r\u00fcb\u00fcn\u00fc m\u0259nf\u0259\u0259tl\u0259 tamamlam\u0131s\u0131n\u0131z. Dig\u0259r maliyy\u0259 g\u00f6st\u0259ricil\u0259rinizd\u0259 v\u0259ziyy\u0259t nec\u0259dir v\u0259 il sonuna do\u011fru hans\u0131 r\u0259q\u0259ml\u0259r\u0259 \u00e7atma\u011f\u0131 h\u0259d\u0259fl\u0259misiniz?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Qeyd etdiyiniz kimi, ilk r\u00fcb\u00fc 14 milyon manata yax\u0131n m\u0259nf\u0259\u0259tl\u0259 ba\u015fa vurduq. Bu, ke\u00e7\u0259n ilin m\u00fcvafiq r\u00fcb\u00fcnd\u0259n v\u0259 proqnozla\u015fd\u0131r\u0131lan r\u0259q\u0259ml\u0259rd\u0259n daha art\u0131qd\u0131r. O ki qald\u0131, h\u0259d\u0259fl\u0259rimiz\u0259, bu ilin sonuna kimi \u00f6t\u0259n ild\u0259kind\u0259n min. 20% daha \u00e7ox m\u0259nf\u0259\u0259t \u0259ld\u0259 etm\u0259yi planlay\u0131r\u0131q. Dig\u0259r \u0259sas maliyy\u0259 g\u00f6st\u0259ricil\u0259rimizd\u0259 d\u0259 u\u011furlu art\u0131mlar \u00e7oxdur. \u00dcmumi kredit portfelimiz 803 milyon manata \u00e7at\u0131r, daha \u00e7ox real sektoru maliyy\u0259l\u0259\u015fdirm\u0259k hesab\u0131na biznes kredit portfelimiz d\u0259 yar\u0131m milyard manat\u0131 ke\u00e7ib. \u0130lin sonuna \u00fcmumi kredit portfelinin 20%-d\u0259k artaca\u011f\u0131n\u0131 g\u00f6zl\u0259yirik. Ki\u00e7ik v\u0259 orta biznesin kreditl\u0259\u015fm\u0259 h\u0259cminin 15%-d\u0259n \u00e7ox, mikrokredit portfelinin is\u0259 25%-d\u0259n \u00e7ox artmas\u0131n\u0131 g\u00f6zl\u0259yirik. Kredit verili\u015fl\u0259rinin ke\u00e7\u0259n ill\u0259 m\u00fcqayis\u0259d\u0259 8% artaca\u011f\u0131n\u0131 proqnozla\u015fd\u0131r\u0131r\u0131q, bunun da 23%-i mikrokredit portfelin\u0259 d\u00fc\u015f\u00fcr. F\u00fcrs\u0259t d\u00fc\u015fm\u00fc\u015fk\u0259n bir m\u0259s\u0259l\u0259y\u0259 d\u0259 ayd\u0131nl\u0131q g\u0259tirm\u0259k ist\u0259yir\u0259m. Diqq\u0259tli izl\u0259yicil\u0259rimizin, jurnalistl\u0259rin v\u0259 iqtisad\u00e7\u0131lar\u0131n g\u00f6z\u00fcnd\u0259n qa\u00e7m\u0131\u015f olmaz, depozit portfelimizd\u0259 ilin sonu il\u0259 m\u00fcqayis\u0259d\u0259 bir q\u0259d\u0259r f\u0259rq yaran\u0131b. Bu f\u0259rq bizim \u00fc\u00e7\u00fcn g\u00f6zl\u0259nil\u0259n idi, \u00e7\u00fcnki bir ne\u00e7\u0259 m\u00fc\u015ft\u0259rimiz q\u0131sam\u00fcdd\u0259tli m\u0259qs\u0259dl\u0259ri \u00fc\u00e7\u00fcn \u0259man\u0259t hesablar\u0131 a\u00e7m\u0131\u015fd\u0131. Maliyy\u0259 sferas\u0131nda, x\u00fcsus\u0259n d\u0259 b\u00f6y\u00fck m\u00fc\u015ft\u0259ril\u0259rl\u0259 i\u015fl\u0259y\u0259n banklarda m\u00fcv\u0259qq\u0259ti d\u00f6vrl\u0259r \u00fc\u00e7\u00fcn yarad\u0131lm\u0131\u015f \u0259man\u0259tl\u0259ri idar\u0259 etm\u0259k adi hald\u0131r. Uzun s\u00f6z\u00fcn q\u0131sas\u0131, bu hal \u00fcmumi maliyy\u0259 sabitliyimiz\u0259, m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 v\u0259 xidm\u0259t keyfiyy\u0259timiz\u0259 he\u00e7 bir t\u0259siri olmayacaq. Eyni zamanda, biz x\u0259rcl\u0259m\u0259l\u0259rimiz\u0259 d\u0259 n\u0259zar\u0259t etm\u0259yi planlayaraq daha adekvat x\u0259rc-g\u0259lir \u0259msal\u0131na \u00e7atma\u011f\u0131 d\u00fc\u015f\u00fcn\u00fcr\u00fck.<\/p>\n\n\n\n<ul>\n<li><strong>Bank\u0131n maliyy\u0259 ilin\u0259 m\u0259nf\u0259\u0259tl\u0259 ba\u015flamas\u0131na t\u00f6hf\u0259 ver\u0259n amill\u0259r hans\u0131lard\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Q\u0131sa \u015f\u0259rh ets\u0259m, d\u00fczg\u00fcn haz\u0131rlanm\u0131\u015f strategiya, pe\u015f\u0259kar komanda, m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc yana\u015fma, texnolji trendl\u0259rin t\u0259tbiqi dey\u0259rdim. Biznes modelimizin m\u0259rk\u0259zind\u0259 m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259ti v\u0259 \u00e7eviklik durur. N\u0259tic\u0259d\u0259 h\u0259r yeni xidm\u0259t v\u0259 m\u0259hsulumuza \u00e7oxsayl\u0131 m\u00fc\u015ft\u0259ri mara\u011f\u0131 yaran\u0131r. \u018flb\u0259tt\u0259 ki, innovasiyas\u0131z bu, m\u00fcmk\u00fcn olmazd\u0131. Bank \u0259m\u0259liyyatlar\u0131n\u0131 sad\u0259l\u0259\u015fdirm\u0259k v\u0259 xidm\u0259tl\u0259ri t\u0259kmill\u0259\u015fdirm\u0259k \u00fc\u00e7\u00fcn texnoloji h\u0259ll\u0259r\u0259 b\u00f6y\u00fck s\u0259rmayel\u0259r yat\u0131r\u0131r\u0131q. Bu texnoloji \u00fcst\u00fcnl\u00fckl\u0259r x\u0259rcl\u0259rimizin optimalla\u015fd\u0131r\u0131lmas\u0131na v\u0259 g\u0259lirliliyimizin artmas\u0131na t\u0259sirsiz \u00f6t\u00fc\u015fm\u00fcr. G\u00fccl\u00fc risk d\u0259y\u0259rl\u0259ndirm\u0259si v\u0259 davaml\u0131 monitorinq sisteml\u0259rini t\u0259tbiq etm\u0259kl\u0259, biz x\u0259rcl\u0259ri minimuma endirm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r\u0131q. Bu kompleks yana\u015fma il\u0259 Bank\u0131m\u0131z son 5 ild\u0259 sa\u011flam t\u0259m\u0259ll\u0259r \u00fcz\u0259rind\u0259 b\u00f6y\u00fcy\u00fcb v\u0259 bazar pay\u0131n\u0131 art\u0131r\u0131b.<\/p>\n\n\n\n<ul>\n<li><strong>Cari ild\u0259 h\u0259m biznes, h\u0259m d\u0259 p\u0259rak\u0259nd\u0259 bank\u00e7\u0131l\u0131q \u00fczr\u0259 Yelo Bank-dan hans\u0131 yenilikl\u0259ri g\u00f6zl\u0259y\u0259k?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Bu g\u00fcn Yelo Bank maliyy\u0259 bazar\u0131nda r\u0259q\u0259msal h\u0259ll v\u0259 xidm\u0259tl\u0259rl\u0259 m\u00fc\u015ft\u0259ril\u0259rin r\u0259\u011fb\u0259tini qazanm\u0131\u015f bank kimi tan\u0131n\u0131r. Buna s\u00fcbut olaraq mobil t\u0259tbiqimizin \u0259n m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fc v\u0259 rahat t\u0259tbiq kimi m\u00fckafatlar almas\u0131n\u0131, h\u0259m\u00e7inin regionlarda f\u0259aliyy\u0259t\u0259 ba\u015flam\u0131\u015f tam r\u0259q\u0259msal filiallar\u0131m\u0131z\u0131 g\u00f6st\u0259r\u0259 bil\u0259rik.\u00a0<\/p>\n\n\n\n<p>\u018fvv\u0259li strateji d\u00f6vr\u00fcm\u00fczd\u0259 datan\u0131n m\u00fcasir maliyy\u0259 m\u0259nz\u0259r\u0259sind\u0259 oynad\u0131\u011f\u0131 rolu qabaqcadan d\u0259rk etmi\u015fdik. Bu s\u0259b\u0259bd\u0259n datay\u00f6n\u00fcml\u00fc h\u0259ll\u0259rin sa\u011flam t\u0259m\u0259lini qabaqcadan qoymu\u015fuq. Bu d\u00f6vrd\u0259 ba\u015flatd\u0131\u011f\u0131m\u0131z \u201cDatan\u0131n t\u0259mizl\u0259nm\u0259si\u201d layih\u0259sini art\u0131q s\u00fcr\u0259tl\u0259 yekunla\u015fd\u0131rma\u011fa do\u011fru gedirik. 2024-2026-c\u0131 ill\u0259r \u00fc\u00e7\u00fcn olan strateji plan\u0131m\u0131zda da daha \u00e7ox datay\u00f6n\u00fcml\u00fc v\u0259 texnoloji yenilikl\u0259r\u0259 \u00fcst\u00fcnl\u00fck verm\u0259y\u0259 davam ed\u0259c\u0259yik. \u00dcmumiyy\u0259tl\u0259 data m\u0259rk\u0259zli yana\u015fma biz\u0259 \u0259m\u0259liyyatlar\u0131n s\u0259m\u0259r\u0259liliyini art\u0131rma\u011fa, xidm\u0259tl\u0259rimizi m\u00fc\u015ft\u0259ril\u0259rimizin ehtiyaclar\u0131na uy\u011funla\u015fd\u0131rma\u011fa, bazar tendensiyalar\u0131n\u0131 effektiv proqnozla\u015fd\u0131rma\u011fa imkan verir.<\/p>\n\n\n\n<p>Onu da vur\u011fulay\u0131m ki, h\u0259m p\u0259rak\u0259nd\u0259, h\u0259m d\u0259 mikrobiznes kreditl\u0259rinin verilm\u0259si m\u00fc\u015ft\u0259ril\u0259rin datalar\u0131na \u0259saslanan &#8220;Risk Scoring Model&#8221; \u00fcz\u0259rind\u0259n apar\u0131l\u0131r. Prosesin daha da t\u0259kmill\u0259\u015fdirilm\u0259si, q\u0259rarlar\u0131n d\u0259qiqliyinin v\u0259 m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tinin art\u0131r\u0131lmas\u0131 m\u0259qs\u0259dil\u0259 bu model davaml\u0131 \u015f\u0259kild\u0259 inki\u015faf etdirilir.<\/p>\n\n\n\n<p>Ayr\u0131ca n\u00f6vb\u0259ti 3 illik strateji d\u00f6vrd\u0259 biz S\u00fcni \u0130ntellekti d\u0259 xidm\u0259tl\u0259rimiz\u0259 t\u0259tbiq ed\u0259c\u0259yik. R\u0259q\u0259msal transformasiyan\u0131n s\u00fcr\u0259tl\u0259 inki\u015faf etdiyi bazarda \u0259n son yenilikl\u0259ri t\u0259tbiq etm\u0259d\u0259n r\u0259qab\u0259t aparmaq \u00e7ox \u00e7\u0259tin, h\u0259tta m\u0259n dey\u0259rdim ki, m\u00fcmk\u00fcns\u00fczd\u00fcr. S\u0130-in t\u0259tbiqi bu r\u0259qab\u0259td\u0259ki \u0259n g\u00fccl\u00fc silahlardan biridir. M\u00fc\u015ft\u0259ril\u0259rin ist\u0259kl\u0259rini, t\u0259l\u0259bl\u0259rini an\u0131nda ba\u015fa d\u00fc\u015fm\u0259k v\u0259 onlar\u0131 m\u0259mnun ed\u0259c\u0259k \u015f\u0259kild\u0259 xidm\u0259t g\u00f6st\u0259rm\u0259k insan resurslar\u0131 il\u0259 b\u0259z\u0259n m\u00fcmk\u00fcn olmur. \u00c7\u00fcnki h\u0259m m\u00fcraci\u0259tl\u0259r m\u00fc\u015ft\u0259ri bazas\u0131 il\u0259 birg\u0259 dayanmadan art\u0131r, h\u0259m d\u0259 art\u0131q ist\u0259kl\u0259r d\u0259 r\u0259q\u0259msalla\u015f\u0131r. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu strateji d\u00f6vr \u0259rzind\u0259 Yelo Bank olaraq bazara v\u0259 m\u00fc\u015ft\u0259ril\u0259r\u0259 t\u0259qdim ed\u0259c\u0259yimiz r\u0259q\u0259msal h\u0259ll\u0259r innovativ bank m\u00f6vqeyimizi daha da m\u00f6hk\u0259ml\u0259ndir\u0259c\u0259k.<\/p>\n\n\n\n<ul>\n<li><strong>Bank sektorunda r\u0259q\u0259msal transformasiya davam edir. Yelo Bank bu d\u0259yi\u015fiklikl\u0259r\u0259 nec\u0259 uy\u011funla\u015f\u0131r v\u0259 hans\u0131 r\u0259q\u0259msal t\u0259\u015f\u0259bb\u00fcsl\u0259r\u0259 haz\u0131rd\u0131r?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>R\u0259q\u0259msal innovasiyalar strategiyam\u0131z\u0131n ayr\u0131lmaz hiss\u0259l\u0259rind\u0259n biridir. Biz m\u00fc\u015ft\u0259ril\u0259rimizin d\u0259y\u0259rli zamanlar\u0131na q\u0259na\u0259t etdir\u0259c\u0259k bir ne\u00e7\u0259 r\u0259q\u0259msal h\u0259ll\u0259r \u00fcz\u0259rind\u0259 aktiv i\u015fl\u0259yirik. Haz\u0131rda \u0130nternet Bank\u00e7\u0131l\u0131q xidm\u0259timiz yenil\u0259nir v\u0259 \u0259vv\u0259lkind\u0259n daha rahat, daha sad\u0259 v\u0259 daha funksional olma\u011f\u0131 h\u0259d\u0259fl\u0259yir. Bundan \u0259lav\u0259, mobil t\u0259tbiqimizd\u0259 onlayn depozit hesab\u0131 a\u00e7maq m\u00fcmk\u00fcn olacaq. Bu xidm\u0259t m\u00fc\u015ft\u0259ril\u0259rimiz\u0259 \u0259man\u0259tl\u0259ri uzaqdan yaratmaq v\u0259 idar\u0259 etm\u0259k rahatl\u0131\u011f\u0131 t\u0259min ed\u0259c\u0259k. \u00dcf\u00fcqd\u0259 g\u00f6r\u00fcn\u0259n dig\u0259r yeniliyimiz is\u0259 r\u0259q\u0259msal kart olacaq. Fiziki bank kartlar\u0131n\u0131n bu virtual analoqu say\u0259sind\u0259 m\u00fc\u015ft\u0259ri bir klikl\u0259m\u0259 il\u0259 bank kart\u0131na sahib olacaq v\u0259 onun vasit\u0259sil\u0259 onlayn \u00f6d\u0259ni\u015fl\u0259ri s\u00fcr\u0259tli h\u0259yata ke\u00e7ir\u0259 bil\u0259c\u0259k. B\u00fct\u00fcn bu h\u0259ll\u0259rin fonunda m\u00fc\u015ft\u0259ril\u0259rimizin mara\u011f\u0131na s\u0259b\u0259b olacaq alternativ maliyy\u0259 al\u0259tl\u0259ri \u00fcz\u0259rind\u0259 d\u0259 i\u015fl\u0259yirik. Ad\u0131n\u0131 \u00e7\u0259kdiyim v\u0259 \u00e7\u0259km\u0259diyim b\u00fct\u00fcn yenilikl\u0259rimiz m\u00fc\u015ft\u0259ril\u0259rimizin bank t\u0259cr\u00fcb\u0259l\u0259rini m\u00fcsb\u0259t\u0259 d\u0259yi\u015f\u0259c\u0259k.<\/p>\n\n\n\n<ul>\n<li><strong>Haz\u0131rda \u00f6lk\u0259mizin bank sektoru olduqca r\u0259qab\u0259tlidir. Yelo Bank \u00f6z\u00fcn\u00fc r\u0259qibl\u0259rd\u0259n nec\u0259 f\u0259rql\u0259ndirir?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Maliyy\u0259 sektorunun bu q\u0259d\u0259r canl\u0131 v\u0259 r\u0259qab\u0259tli olmas\u0131 bizi yaln\u0131z sevindirir. \u00c7\u00fcnki r\u0259qab\u0259tli m\u00fchitd\u0259 b\u00fct\u00fcn banklar daha da inki\u015faf etm\u0259yin yollar\u0131n\u0131 axtar\u0131r, g\u00fccl\u00fc t\u0259r\u0259fl\u0259rini daha da g\u00fccl\u0259ndirir, yeni m\u0259hsullar yarad\u0131r v\u0259 f\u0259rql\u0259nm\u0259k \u00fc\u00e7\u00fcn alternativ yollar axtar\u0131r. D\u00fc\u015f\u00fcn\u00fcr\u0259m ki, bu \u00e7a\u011f\u0131r\u0131\u015flar bazar\u0131 s\u00fcr\u0259tl\u0259 ir\u0259li apar\u0131r, banklararas\u0131 r\u0259qab\u0259td\u0259n is\u0259 m\u00fc\u015ft\u0259ril\u0259r qazan\u0131r.<br>Yelo Bank olaraq d\u0259y\u0259rl\u0259rimizd\u0259 yer alan &#8220;\u00d6nc\u0259 m\u00fc\u015ft\u0259ri&#8221; \u015f\u00fcar\u0131n\u0131 \u0259sas g\u00f6t\u00fcr\u0259r\u0259k maliyy\u0259 d\u00fcnyas\u0131nda ba\u015f ver\u0259n yenilikl\u0259ri istifad\u0259\u00e7il\u0259rimiz \u00fc\u00e7\u00fcn \u0259n q\u0131sa zamanda \u0259l\u00e7atan etm\u0259y\u0259 can at\u0131r\u0131q. Dey\u0259 bil\u0259r\u0259m ki, s\u00fcr\u0259tli olma\u011f\u0131m\u0131z, \u0259l\u00e7atanl\u0131\u011f\u0131m\u0131z v\u0259 sad\u0259 h\u0259ll yollar\u0131 t\u0259klif etm\u0259yimiz bizi f\u0259rql\u0259ndir\u0259n \u0259sas x\u00fcsusiyy\u0259tl\u0259rdir.<\/p>\n\n\n\n<ul>\n<li><strong>Son olaraq, niy\u0259 Yelo Bank? M\u00fc\u015ft\u0259riniz olmaq \u00fc\u00e7\u00fcn 3 s\u0259b\u0259b deyin.<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Yax\u015f\u0131 suald\u0131r. \u018fslind\u0259 Yelo Bank-\u0131n m\u00fc\u015ft\u0259risi olmaq \u00fc\u00e7\u00fcn s\u0259b\u0259bl\u0259r \u00e7oxdur, amma \u00e7al\u0131\u015facam obyektiv olum. \u015e\u0259xs\u0259n bank m\u00fc\u015ft\u0259risi kimi m\u0259nim \u00f6z\u00fcm\u00fcn d\u0259 diqq\u0259t etdiyim 3 \u0259sas m\u0259qam var ki, Yelo Bank bunlar\u0131 \u0259sas g\u00f6t\u00fcr\u00fcr:<br><br>1. M\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fcl\u00fck: Yeni m\u0259hsul haz\u0131rlamaq \u00fc\u00e7\u00fcn fikirl\u0259r \u00e7oxdur, lakin bunlar\u0131n ham\u0131s\u0131 m\u00fc\u015ft\u0259riy\u00f6n\u00fcml\u00fcd\u00fcrm\u00fc? Yelo Bankda h\u0259r bir yenilik v\u0259 xidm\u0259t m\u00fc\u015ft\u0259rinin ehtiyaclar\u0131 n\u0259z\u0259r\u0259 al\u0131nmaqla haz\u0131rlan\u0131r. Bir \u00e7ox xidm\u0259tl\u0259rimizin haz\u0131rlanma prosesind\u0259 m\u00fc\u015ft\u0259ri r\u0259yl\u0259rin\u0259 m\u00fcraci\u0259t edir, h\u0259tta m\u0259hsul haz\u0131r olduqdan sonra bel\u0259 d\u0259yi\u015fiklikl\u0259r h\u0259yata ke\u00e7iririk.<br><br>2. T\u0259hl\u00fck\u0259sizlik v\u0259 g\u00fcv\u0259n: Bizc\u0259, bu m\u0259qam, h\u0259tta \u0259n vacibidir. M\u00fc\u015ft\u0259ril\u0259rimiz\u0259 f\u0259rdi yana\u015fma g\u00f6st\u0259rm\u0259yi sevirik. Xidm\u0259tl\u0259rimiz y\u00fcks\u0259k t\u0259hl\u00fck\u0259sizlik standartlar\u0131na uy\u011fun haz\u0131rlan\u0131r. Lakin, ham\u0131 kimi biz d\u0259 hans\u0131sa texniki \u00e7\u0259tinlikl\u0259rd\u0259n s\u0131\u011fortalanmam\u0131\u015f\u0131q. \u018fsas olan bu zaman m\u00fc\u015ft\u0259ri il\u0259 nec\u0259 davran\u0131lmas\u0131d\u0131r. Biz fors-major hallarda \u00e7al\u0131\u015f\u0131r\u0131q ki, m\u00fc\u015ft\u0259ril\u0259rimizi \u00e7\u0259tin v\u0259ziyy\u0259td\u0259 qoymayaq, ona \u00e7evik v\u0259 h\u0259rt\u0259r\u0259fli d\u0259st\u0259k g\u00f6st\u0259r\u0259k. Bu yana\u015fma say\u0259sind\u0259 m\u00fc\u015ft\u0259ril\u0259rimizd\u0259 loyall\u0131q yarada bilmi\u015fik. T\u0259krar m\u00fc\u015ft\u0259ril\u0259miz \u00fcst\u00fcnl\u00fck t\u0259\u015fkil edir, \u00e7\u00fcnki onlar Yelo brendin\u0259 g\u00fcv\u0259nirl\u0259r.<br><br>3. Yenilikl\u0259r\u0259 \u00e7evik uy\u011funla\u015fma: Texnoloji trendl\u0259r daim d\u0259yi\u015fir. H\u0259tta b\u0259zi yenilikl\u0259r bazarda \u00e7ox qalmadan art\u0131q tarix\u0259 qovu\u015fur. Yelo Bank bu trendl\u0259ri diqq\u0259tl\u0259 izl\u0259yir, davaml\u0131 v\u0259 m\u00fc\u015ft\u0259riy\u0259 h\u0259qiq\u0259t\u0259n faydal\u0131 olanlar\u0131 t\u0259tbiq etm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r. Bu s\u0259b\u0259bd\u0259n bizim bazara g\u0259tirdiyimiz yenilikl\u0259r v\u0259 ya inteqrasiya etdiyimiz innovativ h\u0259ll\u0259r davaml\u0131 olmaqla yana\u015f\u0131 daim inki\u015faf edir.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Yeni strateji d\u00f6vrd\u0259 Yelo innovativ bank m\u00f6vqeyini g\u00fccl\u0259ndir\u0259c\u0259k&#8221; \u0130lk \u00f6nc\u0259 m\u00fcsahib\u0259 \u00fc\u00e7\u00fcn t\u0259\u015f\u0259kk\u00fcr edir\u0259m. \u00d6t\u0259n ili h\u0259m Yelo Bank, h\u0259m d\u0259 b\u00fct\u00f6vl\u00fckd\u0259 Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn \u0259h\u0259miyy\u0259tli ir\u0259lil\u0259yi\u015fl\u0259r v\u0259 b\u0259zi n\u0259h\u0259ng \u00e7a\u011f\u0131r\u0131\u015flarla yaddaqalan bir il&#8230;<\/p>\n","protected":false},"author":2,"featured_media":23009,"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\/23008"}],"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=23008"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/23008\/revisions"}],"predecessor-version":[{"id":23010,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/23008\/revisions\/23010"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/23009"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23008"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23008"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23008"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}