{"id":38403,"date":"2025-07-14T03:00:00","date_gmt":"2025-07-14T00:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=38403"},"modified":"2025-07-14T16:29:04","modified_gmt":"2025-07-14T13:29:04","slug":"etimad-esasdir-yeni-n%c9%99sil-ucun-r%c9%99q%c9%99msal-maliyy%c9%99y%c9%99-yenid%c9%99n-baxis","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=38403","title":{"rendered":"Etimad \u018fsasd\u0131r: Yeni N\u0259sil \u00fc\u00e7\u00fcn R\u0259q\u0259msal Maliyy\u0259y\u0259 Yenid\u0259n Bax\u0131\u015f"},"content":{"rendered":"\n<p class=\"has-medium-font-size\"><strong>Etimad \u018fsasd\u0131r: Yeni N\u0259sil \u00fc\u00e7\u00fcn R\u0259q\u0259msal Maliyy\u0259y\u0259 Yenid\u0259n Bax\u0131\u015f<\/strong><\/p>\n\n\n\n<ul>\n<li>Mastercard etimad\u0131n maliyy\u0259 ekosisteml\u0259rind\u0259 qurulmas\u0131 il\u0259 ba\u011fl\u0131 qlobal t\u0259cr\u00fcb\u0259sini payla\u015f\u0131r \u2013 bu yana\u015fman\u0131n Az\u0259rbaycan\u0131n g\u0259l\u0259c\u0259yi \u00fc\u00e7\u00fcn aktuall\u0131\u011f\u0131na diqq\u0259t \u00e7\u0259kilir.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"576\" src=\"https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/WhatsApp-Image-2025-07-14-at-11.39.42.jpeg\" alt=\"\" class=\"wp-image-38404\" style=\"width:461px;height:auto\" srcset=\"https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/WhatsApp-Image-2025-07-14-at-11.39.42.jpeg 800w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/WhatsApp-Image-2025-07-14-at-11.39.42-300x216.jpeg 300w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/WhatsApp-Image-2025-07-14-at-11.39.42-768x553.jpeg 768w, https:\/\/rockvell.com\/wp-content\/uploads\/2025\/07\/WhatsApp-Image-2025-07-14-at-11.39.42-360x259.jpeg 360w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/figure><\/div>\n\n\n<p>Bak\u0131, \u0130yul 2025 \u2013 Z N\u0259sli t\u0259kc\u0259 tarixd\u0259ki \u0259n r\u0259q\u0259msal n\u0259sil deyil \u2014 h\u0259m d\u0259 \u0259n ehtiyatl\u0131s\u0131d\u0131r. Daimi \u0259laq\u0259 v\u0259 says\u0131z se\u00e7im imkanlar\u0131 il\u0259 b\u00f6y\u00fcy\u0259n bu n\u0259sil \u00fc\u00e7\u00fcn maliyy\u0259 xidm\u0259tl\u0259rind\u0259n g\u00f6zl\u0259ntil\u0259r sad\u0259c\u0259 rahatl\u0131qla bitmir. Onlar \u00f6zl\u0259rini t\u0259hl\u00fck\u0259siz hiss etm\u0259k ist\u0259yir. \u015e\u0259ffafl\u0131q g\u00f6zl\u0259yirl\u0259r. V\u0259 h\u0259r \u015feyd\u0259n \u0259vv\u0259l \u2014 etimad qurmaq ist\u0259yirl\u0259r.<br>Mastercard-\u0131n qlobal hesabat\u0131 \u2013 \u201cOrtaq Yax\u015f\u0131l\u0131q: \u018fm\u0259liyyat Etimad\u0131 Ekosisteminin Qurulmas\u0131\u201d \u2013 m\u00fcasir r\u0259q\u0259msal iqtisadiyyatda etimad\u0131n nec\u0259 formala\u015fd\u0131\u011f\u0131n\u0131 ara\u015fd\u0131r\u0131r v\u0259 bu amilin Z N\u0259sli il\u0259 maliyy\u0259 institutlar\u0131 aras\u0131ndak\u0131 m\u00fcnasib\u0259tl\u0259rd\u0259 niy\u0259 h\u0259lledici rol oynad\u0131\u011f\u0131n\u0131 izah edir.<br>Az\u0259rbaycan\u0131n maliyy\u0259 sektoru \u00fc\u00e7\u00fcn bu n\u0259tic\u0259l\u0259r h\u0259m \u00e7a\u011f\u0131r\u0131\u015f, h\u0259m d\u0259 innovasiya \u00fc\u00e7\u00fcn f\u00fcrs\u0259tdir.<br>Z N\u0259sli \u00fc\u00e7\u00fcn \u018fsl R\u0259q\u0259msal Valyuta \u2013 Etimadd\u0131r<br>Z N\u0259sli he\u00e7 bir \u015fey\u0259 avtomatik olaraq etibar etmir. Onlar t\u0259cr\u00fcb\u0259l\u0259rin\u0259 \u0259sas\u0259n fikir formala\u015fd\u0131r\u0131rlar \u2013 deyil\u0259nl\u0259r\u0259 yox. Bu n\u0259sil \u00fc\u00e7\u00fcn etimad \u2013 real n\u0259zar\u0259t imkan\u0131, a\u00e7\u0131q kommunikasiya, f\u0259rdil\u0259\u015fdirilmi\u015f xidm\u0259tl\u0259r v\u0259 s\u0259ssiz i\u015fl\u0259y\u0259n g\u00fccl\u00fc t\u0259hl\u00fck\u0259sizlik sisteml\u0259ri il\u0259 ba\u015flay\u0131r.<br>Bu n\u0259slin r\u0259q\u0259msal riskl\u0259r\u0259 dair m\u0259lumatl\u0131l\u0131\u011f\u0131 da y\u00fcks\u0259kdir. Mastercard-\u0131n t\u0259dqiqat\u0131na \u0259sas\u0259n:<br>88% onlayn al\u0131\u015f-veri\u015f zaman\u0131 \u015f\u0259xsi m\u0259lumatlar\u0131n\u0131n istifad\u0259si il\u0259 ba\u011fl\u0131 narahatl\u0131q ke\u00e7irir;<br>97% daha \u00e7ox m\u0259lumat payla\u015fma\u011fa haz\u0131rd\u0131r \u2013 amma yaln\u0131z bu, f\u0131r\u0131ldaq\u00e7\u0131l\u0131\u011f\u0131n qar\u015f\u0131s\u0131n\u0131 alacaqsa;<br>90% h\u0259r hans\u0131 platformada f\u0131r\u0131ldaqla qar\u015f\u0131la\u015farsa, h\u0259min brend\u0259 g\u0259l\u0259c\u0259kd\u0259 daha az etibar ed\u0259c\u0259yini bildirir.<br>Ba\u015fqa s\u00f6zl\u0259 des\u0259k, \u015f\u0259ffafl\u0131q m\u0259lumat\u0131 qazan\u0131r \u2014 \u0259ksin\u0259 yox.<br>F\u0259rdil\u0259\u015fdirm\u0259: M\u00fcdaxil\u0259 Yox, \u018flaq\u0259lilik Olmal\u0131d\u0131r<br>Z N\u0259sli \u00f6zl\u0259rini \u0259ks etdir\u0259n xidm\u0259tl\u0259r g\u00f6zl\u0259yir \u2014 \u00fcmumi t\u0259klifl\u0259r yox. Amma f\u0259rdil\u0259\u015fdirm\u0259 yaln\u0131z \u015f\u0259ffafl\u0131q, d\u0259y\u0259r v\u0259 istifad\u0259\u00e7i raz\u0131l\u0131\u011f\u0131 il\u0259 t\u0259qdim olunanda effektiv olur. Hesabat g\u00f6st\u0259rir ki, bu n\u0259sil faydal\u0131 oldu\u011fu t\u0259qdird\u0259 adaptiv t\u0259cr\u00fcb\u0259l\u0259r\u0259 m\u00fcsb\u0259t yana\u015f\u0131r \u2014 basq\u0131 kimi q\u0259bul etmir.<br>Dynamic Yield kimi texnologiyalar banklara real vaxtda f\u0259rdi t\u0259klifl\u0259r t\u0259qdim etm\u0259y\u0259 imkan verir: ist\u0259r \u015f\u0259xsi q\u0259na\u0259t t\u00f6vsiy\u0259l\u0259ri, ist\u0259r istifad\u0259\u00e7i davran\u0131\u015f\u0131na \u0259saslanan kampaniyalar, ist\u0259rs\u0259 d\u0259 yeni m\u00fc\u015ft\u0259ril\u0259r \u00fc\u00e7\u00fcn b\u0259l\u0259d\u00e7ilik. \u018fg\u0259r yana\u015fma uy\u011fun v\u0259 h\u00f6rm\u0259tlidirs\u0259, Z N\u0259sli bunu n\u0259zar\u0259t kimi yox, anla\u015f\u0131ld\u0131qlar\u0131n\u0131n g\u00f6st\u0259ricisi kimi g\u00f6r\u00fcr.<br>T\u0259hl\u00fck\u0259sizlik G\u00f6r\u00fcnm\u0259lidir \u2013 Yaln\u0131z Mavcud Olmaqla Yetmir<br>\u018fvv\u0259lki n\u0259sill\u0259r t\u0259hl\u00fck\u0259sizlik namin\u0259 \u00e7\u0259tinlikl\u0259r\u0259 d\u00f6zs\u0259 d\u0259, Z N\u0259sli h\u0259r ikisini \u2013 h\u0259m s\u00fcr\u0259ti, h\u0259m d\u0259 qoruman\u0131 t\u0259l\u0259b edir. Mastercard-\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, bu n\u0259sil s\u00fcr\u0259t\u0259 \u0259n \u00e7ox \u00f6n\u0259m ver\u0259n n\u0259sil olsa da, 71% r\u0259q\u0259msal t\u0259cr\u00fcb\u0259l\u0259rd\u0259 t\u0259hl\u00fck\u0259sizlik v\u0259 etimad\u0131 s\u00fcr\u0259td\u0259n \u00fcst\u00fcn tutur \u2014 bu da etimad\u0131n h\u0259l\u0259 d\u0259 \u0259sas prioritet oldu\u011funu g\u00f6st\u0259rir.<br>Onlar t\u0259hl\u00fck\u0259sizliyi hiss etm\u0259k ist\u0259yirl\u0259r: biometrik giri\u015f, f\u0131r\u0131ldaq\u00e7\u0131l\u0131q x\u0259b\u0259rdarl\u0131qlar\u0131 v\u0259 problem yarand\u0131qda ayd\u0131n siqnallar. Etimad, t\u0259hl\u00fck\u0259sizlik t\u0259dbirl\u0259ri proaktiv v\u0259 g\u00f6r\u00fcn\u0259n olduqda qurulur. \u018fg\u0259r autentifikasiya u\u011fursuz olarsa v\u0259 ya \u00f6d\u0259ni\u015f s\u0259b\u0259bsiz bloklanarsa, etimad tez da\u011f\u0131l\u0131r.<br>Avtonomiya \u2013 Yeni Etimad Siqnal\u0131d\u0131r<br>Z N\u0259sli n\u0259zar\u0259t etdikl\u0259ri r\u0259q\u0259msal t\u0259cr\u00fcb\u0259l\u0259r ist\u0259yir \u2013 ist\u0259r abun\u0259lik idar\u0259si, ist\u0259r \u015f\u0259xsiyy\u0259t m\u0259lumatlar\u0131 \u00fcz\u0259rind\u0259 n\u0259zar\u0259t. Hesabatda qeyd olunur ki, istifad\u0259\u00e7iy\u0259 m\u0259lumat payla\u015f\u0131m\u0131, icaz\u0259 parametrl\u0259ri v\u0259 hesab \u00fcz\u0259rind\u0259 sad\u0259 v\u0259 gizli mane\u0259l\u0259r olmadan idar\u0259etm\u0259 verm\u0259k uzunm\u00fcdd\u0259tli loyall\u0131\u011f\u0131n a\u00e7ar\u0131d\u0131r.<br>Az\u0259rbaycan kimi mobil bank\u00e7\u0131l\u0131q v\u0259 fintech t\u0259tbiql\u0259rinin artd\u0131\u011f\u0131 \u00f6lk\u0259l\u0259rd\u0259 bu c\u00fcr istifad\u0259\u00e7i-n\u0259zar\u0259tli m\u00fchit vacib olacaq. Bir istifad\u0259\u00e7i c\u0259mi bir ne\u00e7\u0259 toxunu\u015fla giri\u015f icaz\u0259l\u0259rini d\u0259yi\u015f\u0259, xidm\u0259tl\u0259ri dayand\u0131ra v\u0259 ya l\u0259\u011fv ed\u0259 bilm\u0259lidir \u2014 m\u00fc\u015ft\u0259ri xidm\u0259tin\u0259 yazmadan.<br>Az\u0259rbaycan Maliyy\u0259 Sektoru \u00fc\u00e7\u00fcn N\u0259tic\u0259<br>R\u0259q\u0259msal texnologiyalar\u0131n s\u00fcr\u0259tl\u0259 yay\u0131ld\u0131\u011f\u0131 bir zamanda Az\u0259rbaycan\u0131n banklar\u0131 v\u0259 fintech \u015firk\u0259tl\u0259ri d\u00f6n\u00fc\u015f n\u00f6qt\u0259sind\u0259dir. Z N\u0259sli art\u0131q sistemin nec\u0259 d\u0259yi\u015fm\u0259li oldu\u011funu formala\u015fd\u0131r\u0131r. Onlar\u0131n mesaj\u0131 ayd\u0131nd\u0131r: m\u0259n\u0259 t\u0259cr\u00fcb\u0259mi idar\u0259 etm\u0259y\u0259 imkan verin, m\u0259lumat\u0131m\u0131n nec\u0259 istifad\u0259 olundu\u011funu izah edin, f\u0259rdi olun v\u0259 m\u0259ni g\u00f6r\u00fcn\u0259n \u015f\u0259kild\u0259 qoruyun.<br>Bu kontekstd\u0259 etimad \u2013 abstrakt anlay\u0131\u015f deyil. O, a\u011f\u0131ll\u0131 dizayn, ayd\u0131n niyy\u0259t v\u0259 ard\u0131c\u0131l d\u00fcr\u00fcstl\u00fckl\u0259 add\u0131m-add\u0131m qurulan bir d\u0259y\u0259rdir.<br>Tam \u015f\u0259ffafl\u0131q, m\u0259qs\u0259dy\u00f6nl\u00fc f\u0259rdil\u0259\u015fdirm\u0259 v\u0259 q\u00fcsursuz t\u0259hl\u00fck\u0259sizlik t\u0259qdim ed\u0259n maliyy\u0259 institutlar\u0131 sad\u0259c\u0259 Z N\u0259slinin g\u00f6zl\u0259ntil\u0259rini qar\u015f\u0131lamayacaq \u2013 r\u0259q\u0259msal maliyy\u0259nin g\u0259l\u0259c\u0259yini m\u00fc\u0259yy\u0259n ed\u0259c\u0259kl\u0259r.<br>T\u0259dqiqat haqq\u0131nda<br>Bu material Mastercard-\u0131n qlobal hesabat\u0131 olan \u201cOrtaq Yax\u015f\u0131l\u0131q: \u018fm\u0259liyyat Etimad\u0131 Ekosisteminin Qurulmas\u0131\u201d \u0259sas\u0131nda haz\u0131rlan\u0131b. Hesabat r\u0259q\u0259msal qar\u015f\u0131l\u0131ql\u0131 \u0259laq\u0259l\u0259rd\u0259 istehlak\u00e7\u0131 etimad\u0131n\u0131n nec\u0259 formala\u015fd\u0131\u011f\u0131n\u0131 ara\u015fd\u0131r\u0131r \u2014 x\u00fcsusil\u0259 Z N\u0259sli davran\u0131\u015flar\u0131 v\u0259 g\u00f6zl\u0259ntil\u0259ri prizmas\u0131ndan.<br>Tam hesabatla tan\u0131\u015f olmaq \u00fc\u00e7\u00fcn bax\u0131n: \u201cThe Common Good: Creating an Ecosystem of Transactional Trust\u201d<\/p>\n\n\n\n<p>Mastercard haqq\u0131nda<br>Mastercard 200-d\u0259n art\u0131q \u00f6lk\u0259 v\u0259 \u0259razid\u0259 iqtisadiyyatlar\u0131 g\u00fccl\u0259ndirir v\u0259 insanlara d\u0259st\u0259k verir. M\u00fc\u015ft\u0259ril\u0259rimizl\u0259 birlikd\u0259 h\u0259r k\u0259sin rifah tapa bil\u0259c\u0259yi davaml\u0131 bir iqtisadiyyat qururuq. Biz r\u0259q\u0259msal \u00f6d\u0259ni\u015fl\u0259rin geni\u015f spektrini d\u0259st\u0259kl\u0259yir, \u0259m\u0259liyyatlar\u0131 t\u0259hl\u00fck\u0259siz, sad\u0259, a\u011f\u0131ll\u0131 v\u0259 \u0259l\u00e7atan edirik. Texnologiya v\u0259 innovasiyalar\u0131m\u0131z, t\u0259r\u0259fda\u015fl\u0131qlar\u0131m\u0131z v\u0259 \u015f\u0259b\u0259k\u0259l\u0259rimiz insanlar\u0131n, biznesl\u0259rin v\u0259 h\u00f6kum\u0259tl\u0259rin \u00f6z potensiallar\u0131n\u0131 tam \u015f\u0259kild\u0259 realla\u015fd\u0131rmas\u0131na k\u00f6m\u0259k ed\u0259n unikal m\u0259hsul v\u0259 xidm\u0259tl\u0259r toplusu t\u0259qdim edir.<\/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>Etimad \u018fsasd\u0131r: Yeni N\u0259sil \u00fc\u00e7\u00fcn R\u0259q\u0259msal Maliyy\u0259y\u0259 Yenid\u0259n Bax\u0131\u015f Bak\u0131, \u0130yul 2025 \u2013 Z N\u0259sli t\u0259kc\u0259 tarixd\u0259ki \u0259n r\u0259q\u0259msal n\u0259sil deyil \u2014 h\u0259m d\u0259 \u0259n ehtiyatl\u0131s\u0131d\u0131r. Daimi \u0259laq\u0259 v\u0259 says\u0131z se\u00e7im imkanlar\u0131 il\u0259 b\u00f6y\u00fcy\u0259n bu&#8230;<\/p>\n","protected":false},"author":1,"featured_media":38404,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38403"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38403"}],"version-history":[{"count":1,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38403\/revisions"}],"predecessor-version":[{"id":38405,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/38403\/revisions\/38405"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/38404"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}