{"id":37637,"date":"2025-06-20T08:00:00","date_gmt":"2025-06-20T05:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=37637"},"modified":"2025-06-20T14:09:58","modified_gmt":"2025-06-20T11:09:58","slug":"mastercard-in-yeni-hesabati-z-n%c9%99sli-arasinda","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=37637","title":{"rendered":"Mastercard-\u0131n yeni hesabat\u0131 \u201cZ\u201d n\u0259sli aras\u0131nda&#8230;."},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Mastercard-\u0131n yeni hesabat\u0131 \u201cZ\u201d n\u0259sli aras\u0131nda qlobal bank\u00e7\u0131l\u0131q tendensiyalardan; Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn t\u00f6vsiy\u0259l\u0259rd\u0259n dan\u0131\u015f\u0131r<\/strong><\/p>\n\n\n\n<ul>\n<li>Mastercard-\u0131n qlobal hesabat\u0131 \u201cZ\u201d n\u0259slinin bank\u00e7\u0131l\u0131qdan g\u00f6zl\u0259ntil\u0259rini \u00f6n\u0259 \u00e7\u0259kir &#8211; s\u00fcr\u0259t, f\u0259rdil\u0259\u015fdirm\u0259 v\u0259 h\u0259r \u015feyd\u0259n \u0259vv\u0259l etibar. Bu, Az\u0259rbaycanda maliyy\u0259 institutlar\u0131 \u00fc\u00e7\u00fcn ayd\u0131n yol x\u0259rit\u0259si t\u0259klif edir.<\/li>\n\n\n\n<li>\u201cZ\u201d n\u0259sli h\u0259yat t\u0259rzl\u0259rin\u0259 uy\u011fun s\u00fcr\u0259tli, intuitiv v\u0259 ehtiyaclara uy\u011funla\u015fd\u0131r\u0131lm\u0131\u015f al\u0259tl\u0259rl\u0259 r\u0259q\u0259msalla\u015fd\u0131r\u0131lan maliyy\u0259 t\u0259cr\u00fcb\u0259l\u0259ri t\u0259l\u0259b edir &#8211; h\u0259r g\u00fcn istifad\u0259 etdikl\u0259ri proqramlar kimi.<\/li>\n\n\n\n<li>Abun\u0259likl\u0259rin idar\u0259 edilm\u0259sind\u0259n tutmu\u015f \u00f6d\u0259ni\u015fl\u0259rin ba\u015fa d\u00fc\u015f\u00fclm\u0259sin\u0259 q\u0259d\u0259r, \u201cZ\u201d n\u0259sli pullar\u0131na n\u0259zar\u0259t etm\u0259k \u00fc\u00e7\u00fcn tam g\u00f6r\u00fcnm\u0259 v\u0259 sad\u0259 al\u0259tl\u0259r g\u00f6zl\u0259yir.<\/li>\n<\/ul>\n\n\n\n<p>Qlobal tendensiyalar g\u00f6st\u0259rir ki, y\u00fcks\u0259k r\u0259q\u0259msal savadl\u0131l\u011fa malik g\u0259ncl\u0259rin yeni dal\u011fas\u0131 xidm\u0259tl\u0259rin i\u015f prinsipininin, o c\u00fcml\u0259d\u0259n maliyy\u0259 d\u00fcnyas\u0131nda g\u0259l\u0259c\u0259yini formala\u015fd\u0131rma\u011fa ba\u015flay\u0131r. Bu, sad\u0259c\u0259 olaraq, bu n\u0259sil\u0259 xas tendensiya deyil, bank\u00e7\u0131l\u0131\u011f\u0131n, m\u0259lum oldu\u011fu kimi, inki\u015faf etm\u0259li oldu\u011funa bir i\u015far\u0259dir. 1997-2012-ci ill\u0259r aras\u0131nda anadan olmu\u015f \u201cZ\u201d n\u0259sli b\u00f6y\u00fck istehlak\u00e7\u0131 q\u00fcvv\u0259sin\u0259 \u00e7evrilir. Onlar f\u0259rqli d\u00fc\u015f\u00fcn\u00fcr, daha s\u00fcr\u0259tli h\u0259r\u0259k\u0259t edir v\u0259 daha \u00e7ox \u015fey g\u00f6zl\u0259yirl\u0259r. Mastercard -\u0131n bu yax\u0131nlarda d\u0259rc edilmi\u015f \u201cHam\u0131 \u00fc\u00e7\u00fcn yax\u015f\u0131: Transaksiya etibar\u0131 ekosisteminin yarad\u0131lmas\u0131\u201d adl\u0131 hesabat\u0131nda b\u00f6y\u00fcm\u0259kd\u0259 olan bu n\u0259slin g\u00f6zl\u0259ntil\u0259rini yerin\u0259 yetir\u0259n yerli banklar v\u0259 fintexl\u0259r \u00fc\u00e7\u00fcn m\u00fcvafiq istiqam\u0259t t\u0259klif edilir.<\/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=\"1024\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2023\/04\/Mastercard-1024x1024.jpg\" alt=\"\" class=\"wp-image-10548\" style=\"width:369px;height:auto\" 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: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<p><strong>S\u00fcr\u0259tli, sad\u0259, r\u0259q\u0259msal: yeni t\u0259m\u0259l t\u0259l\u0259bl\u0259r<\/strong><\/p>\n\n\n\n<p>\u201cZ\u201d n\u0259sli d\u00fcnyan\u0131n \u0259n onlayn aktiv qruplar\u0131ndan biridir v\u0259 Az\u0259rbaycan da bu bax\u0131mdan istisna deyil. \u018flind\u0259ki smartfonlar v\u0259 r\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259rin ikinci d\u00fcnyaya \u00e7evrilm\u0259si il\u0259 onlar g\u00fcnd\u0259lik istifad\u0259 etdikl\u0259ri t\u0259tbiql\u0259rin s\u00fcr\u0259tin\u0259 v\u0259 sad\u0259liyin\u0259 uy\u011fun bank t\u0259cr\u00fcb\u0259l\u0259ri g\u00f6zl\u0259yirl\u0259r. Filial ziyar\u0259ti v\u0259 ya t\u0259sdiq \u00fc\u00e7\u00fcn g\u00fcnl\u0259r g\u00f6zl\u0259m\u0259k art\u0131q onlar\u0131n ist\u0259kl\u0259ri il\u0259 ayaqla\u015fm\u0131r. \u0130ntuitiv, s\u00fcr\u0259tli v\u0259 \u00e7evik r\u0259q\u0259msal al\u0259tl\u0259r\u0259 \u00fcst\u00fcnl\u00fck ver\u0259n banklar bu g\u00f6zl\u0259ntil\u0259ri qar\u015f\u0131lamaq \u00fc\u00e7\u00fcn daha yax\u015f\u0131 m\u00f6vqe tutacaqlar.<\/p>\n\n\n\n<p><strong>F\u0259rdil\u0259\u015fm\u0259 \u0259sas t\u0259l\u0259b kimi<\/strong><\/p>\n\n\n\n<p>Qlobal miqyasda \u201cZ\u201d n\u0259sli f\u0259rdil\u0259\u015fdirilmi\u015f xidm\u0259tl\u0259r\u0259 ke\u00e7idi \u00f6n\u00fcnd\u0259 gedir. Onlar h\u0259yat t\u0259rzl\u0259rin\u0259, v\u0259rdi\u015fl\u0259rin\u0259 v\u0259 d\u0259y\u0259rl\u0259rin\u0259 uy\u011funla\u015fd\u0131r\u0131lm\u0131\u015f maliyy\u0259 m\u0259hsullar\u0131 ist\u0259yirl\u0259r \u2013 h\u0259r \u015fey \u00fc\u00e7\u00fcn vahid h\u0259ll\u0259r yox. Bu gedi\u015fat Az\u0259rbaycanda m\u0259qs\u0259dy\u00f6nl\u00fc t\u0259klifl\u0259r haz\u0131rlamaq imkan\u0131 yarad\u0131r: t\u0259l\u0259b\u0259 b\u00fcdc\u0259l\u0259ri \u00fc\u00e7\u00fcn debet kartlar\u0131, frilans g\u0259lirl\u0259rin izl\u0259nilm\u0259si \u00fc\u00e7\u00fcn funksiyalar v\u0259 ya q\u0259na\u0259t t\u00f6vsiy\u0259l\u0259rini f\u0259rdi x\u0259rcl\u0259m\u0259 modell\u0259rin\u0259 uy\u011funla\u015fd\u0131ran proqramlar. Bank i\u015finin g\u0259l\u0259c\u0259yi \u0259hat\u0259lilikd\u0259 deyil, uy\u011funluqdad\u0131r.<\/p>\n\n\n\n<p><strong>N\u0259zar\u0259t t\u0259l\u0259bi<\/strong><\/p>\n\n\n\n<p>\u201cZ\u201d n\u0259sli pullar\u0131n\u0131 nec\u0259 idar\u0259 etdikl\u0259rini ayd\u0131n g\u00f6rm\u0259k v\u0259 ona n\u0259zar\u0259t etm\u0259k ist\u0259yir. Onlar tez-tez bir anda yay\u0131m, qida \u00e7atd\u0131r\u0131lmas\u0131 v\u0259 ya mobil proqramlar kimi bir ne\u00e7\u0259 xidm\u0259t \u00fc\u00e7\u00fcn \u00f6d\u0259ni\u015f edirl\u0259r&nbsp; v\u0259 bunlar\u0131 izl\u0259m\u0259yin asan yollar\u0131na \u00fcst\u00fcnl\u00fck verirl\u0259r. Az\u0259rbaycanda banklar \u00f6z t\u0259tbiql\u0259rind\u0259 istifad\u0259\u00e7il\u0259r\u0259 abun\u0259likl\u0259ri dayand\u0131rmaq v\u0259 ya l\u0259\u011fv etm\u0259k, x\u0259b\u0259rdarl\u0131q almaq v\u0259 m\u00fcnt\u0259z\u0259m \u00f6d\u0259ni\u015fl\u0259ri idar\u0259 etm\u0259k kimi&nbsp; imkanlar\u0131 vahid platformada t\u0259qdim sad\u0259 al\u0259tl\u0259r t\u0259klif etm\u0259kl\u0259 f\u0259rql\u0259n\u0259 bil\u0259rl\u0259r.<\/p>\n\n\n\n<p><strong>\u015e\u0259ffafl\u0131q vasit\u0259sil\u0259 etibar<\/strong><\/p>\n\n\n\n<p>\u201cZ\u201d n\u0259slinin etibar \u015f\u0259ffafl\u0131q v\u0259 hesabatl\u0131l\u0131q vasit\u0259sil\u0259 qazan\u0131l\u0131r. \u018fn\u0259n\u0259vi n\u00fcfuz a\u00e7\u0131q kommunikasiyadan daha az inand\u0131r\u0131c\u0131d\u0131r. Onlar m\u0259lumatlar\u0131n istifad\u0259sini, \u00f6d\u0259ni\u015f strukturlar\u0131n\u0131 v\u0259 t\u0259hl\u00fck\u0259sizlik t\u0259dbirl\u0259rini anlamaq ist\u0259yirl\u0259r. Tokenl\u0259\u015fdirm\u0259, biometrik giri\u015f v\u0259 real vaxt siqnallar\u0131 kimi texnologiyalar \u0259sas rol oynay\u0131r, lakin dil d\u0259 h\u0259m\u00e7inin. Ayd\u0131n, birba\u015fa izahatlar s\u0259daq\u0259t yarad\u0131r. Bu \u015f\u0259ffafl\u0131\u011f\u0131 t\u0259min ed\u0259n banklar g\u0259nc istifad\u0259\u00e7il\u0259r aras\u0131nda t\u0259r\u0259find\u0259n daha \u00e7ox q\u0259bul edil\u0259c\u0259kl\u0259r.<\/p>\n\n\n\n<p><strong>Maliyy\u0259 etibar\u0131n\u0131n g\u00fccl\u0259ndirilm\u0259si<\/strong><\/p>\n\n\n\n<p>Bir \u00e7ox \u201cZ\u201d n\u0259sli istifad\u0259\u00e7il\u0259ri kreditl\u0259 maraqlanma\u011fa ba\u015flayanda &#8211; ist\u0259r t\u0259hsil, s\u0259yah\u0259t, ist\u0259rs\u0259 d\u0259 ilk cihaz\u0131n al\u0131\u015f \u00fc\u00e7\u00fcn &#8211; bu, banklar \u00fc\u00e7\u00fcn etimad yaratmaq \u00fc\u00e7\u00fcn unikal f\u00fcrs\u0259t\u0259 \u00e7evrilir. T\u0259hsil al\u0259tl\u0259ri, \u015f\u0259ffaf kredit hesab\u0131 izl\u0259nm\u0259si v\u0259 t\u0259hl\u00fck\u0259siz kredit m\u0259hsullar\u0131 daha a\u011f\u0131ll\u0131 maliyy\u0259 v\u0259rdi\u015fl\u0259rini d\u0259st\u0259kl\u0259y\u0259 bil\u0259r. Q\u0259na\u0259t m\u0259qs\u0259dl\u0259rini oyunvari \u0259yl\u0259nc\u0259y\u0259 \u00e7evir\u0259n v\u0259 ya borclanma \u015f\u0259rtl\u0259rini ayd\u0131nla\u015fd\u0131ran proqramlar n\u0259inki riski azald\u0131r, h\u0259m d\u0259 t\u0259mas\u0131 d\u0259rinl\u0259\u015fdirir.<\/p>\n\n\n\n<p><strong>Texnologiyaya \u0259salanan f\u0259rdi bank\u00e7\u0131l\u0131q<\/strong><\/p>\n\n\n\n<p>Mastercard-\u0131n \u201cDinamik Y\u0131\u011f\u0131m\u201d platformas\u0131 bank t\u0259cr\u00fcb\u0259sin\u0259 qabaqc\u0131 f\u0259rdil\u0259\u015fdirm\u0259 g\u0259tirir ki, bu da \u201cZ\u201d n\u0259slinin getdikc\u0259 daha \u00e7ox g\u00f6zl\u0259diyi bir \u015feydir. Real vaxt data\u0131ndan v\u0259 davran\u0131\u015f m\u0259lumatlar\u0131ndan istifad\u0259 etm\u0259kl\u0259 banklar h\u0259r bir istifad\u0259\u00e7inin unikal profilin\u0259 \u0259saslanaraq t\u0259klifl\u0259r, m\u0259zmun v\u0259 m\u0259hsul t\u00f6vsiy\u0259l\u0259rini uy\u011funla\u015fd\u0131ra bil\u0259r. Az\u0259rbaycanda bu, x\u0259rcl\u0259m\u0259 t\u00f6vsiy\u0259l\u0259rind\u0259n tutmu\u015f f\u0259rdil\u0259\u015fdirilmi\u015f kart x\u00fcsusiyy\u0259tl\u0259rin\u0259 q\u0259d\u0259r m\u00fcvafiq t\u0259cr\u00fcb\u0259l\u0259ri t\u0259tbiq daxilind\u0259 t\u0259qdim etm\u0259k \u00fc\u00e7\u00fcn yeni imkanlar a\u00e7\u0131r. \u00dcmumil\u0259\u015fdirm\u0259d\u0259n daha \u00e7ox uy\u011funlu\u011fu qiym\u0259tl\u0259ndir\u0259n n\u0259sil \u00fc\u00e7\u00fcn bu c\u00fcr uy\u011funla\u015fma xidm\u0259ti tez bir zamanda standarta \u00e7evrilir.<\/p>\n\n\n\n<p>Bu n\u0259sil t\u0259kc\u0259 d\u0259yi\u015fikliy\u0259 t\u0259sir g\u00f6st\u0259rmir, h\u0259m d\u0259 onu g\u00f6zl\u0259yirl\u0259r. \u201cZ\u201d n\u0259li bank i\u015finin daha s\u00fcr\u0259tli, daha \u015f\u0259ffaf v\u0259 daha f\u0259rdi olmas\u0131n\u0131 ist\u0259yir. D\u00fc\u015f\u00fcnd\u00fcr\u0259n yenilik v\u0259 ayd\u0131n kommunikaiya il\u0259 tez uy\u011funla\u015fanlar t\u0259kc\u0259 \u201cZ\u201d n\u0259slinin diqq\u0259tini \u00e7\u0259km\u0259y\u0259c\u0259k, h\u0259m d\u0259 onlar\u0131n sadiqliyini qazanacaqlar. Az\u0259rbaycanda banklar v\u0259 fintexl\u0259r \u00fc\u00e7\u00fcn bu, m\u00fc\u015fahid\u0259 edilm\u0259li bir tendensiya deyil, h\u0259r\u0259k\u0259t\u0259 ke\u00e7m\u0259k \u00fc\u00e7\u00fcn bir \u00e7a\u011f\u0131r\u0131\u015fd\u0131r.<\/p>\n\n\n\n<p>Mastercard-\u0131n hesabat\u0131 qlobal ara\u015fd\u0131rmalar\u0131 \u0259ks etdirs\u0259 d\u0259, onun \u0259sas tap\u0131nt\u0131lar\u0131 Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn getdikc\u0259 daha \u00e7ox aktual olan \u00fcmumi n\u00fcmun\u0259l\u0259ri vur\u011fulay\u0131r. Bu anlay\u0131\u015flar\u0131 q\u0259bul ed\u0259n yerli banklar bazarda ilk olan r\u0259q\u0259msal dizayna, f\u0259rdil\u0259\u015fdirilmi\u015f xidm\u0259tl\u0259r\u0259 v\u0259 istifad\u0259\u00e7i n\u0259zar\u0259tin\u0259 investisiya etm\u0259kl\u0259 sabah\u0131n \u0259n d\u0259y\u0259rli m\u00fc\u015ft\u0259ril\u0259ri il\u0259 daha g\u00fccl\u00fc \u0259laq\u0259l\u0259r quracaqlar.<\/p>\n\n\n\n<p><strong>Mastercard haqq\u0131nda<\/strong><\/p>\n\n\n\n<p>Mastercard d\u00fcnya \u00fczr\u0259 200-d\u0259n \u00e7ox \u00f6lk\u0259 v\u0259 \u0259razid\u0259 iqtisadiyyatlar\u0131 v\u0259 insanlar\u0131 d\u0259st\u0259kl\u0259yir. M\u00fc\u015ft\u0259ril\u0259rimizl\u0259 birg\u0259 h\u0259r k\u0259sin inkiaf ed\u0259 bil\u0259c\u0259yi dayan\u0131ql\u0131 iqtisadiyyat qururuq. Biz geni\u015f \u00e7e\u015fidd\u0259 r\u0259q\u0259msal \u00f6d\u0259ni\u015f se\u00e7iml\u0259rini d\u0259st\u0259kl\u0259yir, \u0259m\u0259liyyatlar\u0131 t\u0259hl\u00fck\u0259siz, sad\u0259, a\u011f\u0131ll\u0131 v\u0259 \u0259l\u00e7atan edirik. Texnologiyam\u0131z v\u0259 yenilikl\u0259rimiz, t\u0259r\u0259fda\u015fl\u0131qlar\u0131m\u0131z v\u0259 \u015f\u0259b\u0259k\u0259l\u0259rimiz birl\u0259\u015f\u0259r\u0259k insanlara, m\u00fc\u0259ssis\u0259l\u0259r\u0259 v\u0259 h\u00f6kum\u0259tl\u0259r\u0259 \u0259n b\u00f6y\u00fck potensiallar\u0131n\u0131 realla\u015fd\u0131rma\u011fa k\u00f6m\u0259k ed\u0259n unikal m\u0259hsul v\u0259 xidm\u0259tl\u0259r d\u0259sti t\u0259qdim edir.<strong><\/strong><\/p>\n\n\n\n<p><a href=\"http:\/\/www.mastercard.com\" target=\"_blank\" rel=\"noopener\" title=\"\">www.mastercard.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mastercard-\u0131n yeni hesabat\u0131 \u201cZ\u201d n\u0259sli aras\u0131nda qlobal bank\u00e7\u0131l\u0131q tendensiyalardan; Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn t\u00f6vsiy\u0259l\u0259rd\u0259n dan\u0131\u015f\u0131r Qlobal tendensiyalar g\u00f6st\u0259rir ki, y\u00fcks\u0259k r\u0259q\u0259msal savadl\u0131l\u011fa malik g\u0259ncl\u0259rin yeni dal\u011fas\u0131 xidm\u0259tl\u0259rin i\u015f prinsipininin, o c\u00fcml\u0259d\u0259n maliyy\u0259 d\u00fcnyas\u0131nda g\u0259l\u0259c\u0259yini formala\u015fd\u0131rma\u011fa&#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\/37637"}],"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=37637"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/37637\/revisions"}],"predecessor-version":[{"id":37638,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/37637\/revisions\/37638"}],"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=37637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}