{"id":3975,"date":"2022-10-12T10:00:00","date_gmt":"2022-10-12T07:00:00","guid":{"rendered":"https:\/\/rockvell.com\/?p=3975"},"modified":"2022-10-12T16:34:03","modified_gmt":"2022-10-12T13:34:03","slug":"r%c9%99q%c9%99msal-h%c9%99ll%c9%99rin-%c9%99hali-t%c9%99r%c9%99find%c9%99n-kutl%c9%99vi-istifad%c9%99si-bizim-m%c9%99suliyy%c9%99timizi-daha-da-artirir","status":"publish","type":"post","link":"https:\/\/rockvell.com\/?p=3975","title":{"rendered":"\u201cR\u0259q\u0259msal h\u0259ll\u0259rin \u0259hali t\u0259r\u0259find\u0259n k\u00fctl\u0259vi istifad\u0259si bizim m\u0259suliyy\u0259timizi daha da art\u0131r\u0131r\u201d"},"content":{"rendered":"\n

Kapital Bank-\u0131n Birbank Sah\u0259sinin lideri Zakir Xanm\u0259mm\u0259dov: \u201cR\u0259q\u0259msal h\u0259ll\u0259rin \u0259hali t\u0259r\u0259find\u0259n k\u00fctl\u0259vi istifad\u0259si bizim m\u0259suliyy\u0259timizi daha da art\u0131r\u0131r\u201d<\/strong><\/p>\n\n\n\n

Bu g\u00fcn r\u0259q\u0259msalla\u015fma Az\u0259rbaycanda dem\u0259k olar ki, he\u00e7 bir f\u0259aliyy\u0259t sah\u0259sind\u0259n yan ke\u00e7m\u0259yib. D\u00f6vl\u0259t qurumlar\u0131ndan tutmu\u015f \u00f6z\u0259l sektorda i\u015fl\u0259y\u0259n \u015firk\u0259tl\u0259r\u0259 q\u0259d\u0259r v\u0259t\u0259nda\u015flara y\u00fcks\u0259k texnologiya v\u0259 innovasiyalara arxalanan m\u00fcasir h\u0259ll\u0259r t\u0259qdim edirl\u0259r. T\u0259bii ki, yerli banklar da bu tendensiyadan geri qalm\u0131r. Misal kimi el\u0259 \u00f6lk\u0259nin ilk r\u0259q\u0259msal bank\u0131n\u0131 \u2014 Birbank-\u0131 g\u00f6st\u0259rm\u0259k olar. Kapital Bank-\u0131n Birbank Sah\u0259sinin lideri Zakir X\u0259nm\u0259mm\u0259dov r\u0259q\u0259msal bank\u0131n \u00fcst\u00fcnl\u00fckl\u0259ri, funksiyalar\u0131 v\u0259 g\u0259l\u0259c\u0259kd\u0259 t\u0259qdim edil\u0259c\u0259k yenilikl\u0259ri bar\u0259d\u0259 dan\u0131\u015f\u0131b.<\/p>\n\n\n\n

Zakir m\u00fc\u0259llim, ilk olaraq oxuculara t\u0259tbiq v\u0259 r\u0259q\u0259msal bank\u0131n f\u0259rqi bar\u0259d\u0259 m\u0259lumat ver\u0259rdiniz?<\/p>\n\n\n\n

Bir ne\u00e7\u0259 il \u0259vv\u0259l b\u00fct\u00fcn d\u00fcnyada oldu\u011fu kimi Az\u0259rbaycanda da banklar \u0259n\u0259n\u0259vi bank xidm\u0259tl\u0259ri il\u0259 yana\u015f\u0131 mobil t\u0259tbiql\u0259r t\u0259qdim etm\u0259y\u0259 ba\u015flad\u0131lar. V\u0259 bunun da n\u0259tic\u0259sind\u0259 bir s\u0131ra xidm\u0259tl\u0259rd\u0259n m\u0259saf\u0259d\u0259n faydalanmaq m\u00fcmk\u00fcn oldu. Lakin ill\u0259r ke\u00e7dikc\u0259, t\u0259klif olunan xidm\u0259tl\u0259rin \u00e7e\u015fidl\u0259ri artd\u0131qca, mobil t\u0259tbiql\u0259r art\u0131q sad\u0259c\u0259 t\u0259tbiq deyil, r\u0259q\u0259msal banklara \u00e7evrilm\u0259y\u0259 ba\u015flad\u0131lar. Yerli maliyy\u0259 sektorunun lider mobil t\u0259tbiqi olan Birbank da bu tendensiyadan geri qalmad\u0131 v\u0259 \u00f6lk\u0259nin ilk r\u0259q\u0259msal bank\u0131na \u00e7evrildi. R\u0259q\u0259msal bank\u0131n mobil bank t\u0259tbiqd\u0259n \u0259sas f\u0259rqi kreditl\u0259rin v\u0259 \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n filiala g\u0259lm\u0259d\u0259n \u0259ld\u0259 edilm\u0259si imkan\u0131n\u0131n m\u00f6vcudlu\u011fudur. Y\u0259ni m\u00fc\u015ft\u0259ri he\u00e7 yer\u0259 getm\u0259d\u0259n, tam onlayn formada kredit yaxud kart \u00fc\u00e7\u00fcn m\u00fcraci\u0259t ed\u0259 v\u0259 \u0259n q\u0131sa zamanda onlar\u0131 \u0259ld\u0259 ed\u0259 bilir. Hal-haz\u0131rda m\u00fc\u015ft\u0259ril\u0259rimiz Birbank, korporativ saytlar\u0131m\u0131z, \u201cWolt\u201d v\u0259 dig\u0259r onlayn kanallar vasit\u0259sil\u0259 kredit v\u0259 ya kart \u00fc\u00e7\u00fcn aktiv \u015f\u0259kild\u0259 m\u00fcraci\u0259t edirl\u0259r.<\/p>\n\n\n\n

Birbank \u00f6lk\u0259nin ilk r\u0259q\u0259msal bank\u0131 olandan sonra n\u0259l\u0259r d\u0259yi\u015fdi?<\/p>\n\n\n\n

Bu arada \u00f6lk\u0259d\u0259 bir \u00e7ox yenilikl\u0259r ba\u015f verdi. Bildiyiniz kimi, 2021-ci ilin noyabr ay\u0131ndan etibar\u0259n \u201cApple Pay\u201d, bir q\u0259d\u0259r sonra cari ilin avqust ay\u0131nda is\u0259 \u201cGoogle Pay\u201d \u00f6d\u0259ni\u015f \u00fcsullar\u0131 Az\u0259rbaycanda f\u0259aliyy\u0259t\u0259 ba\u015flad\u0131. M\u0259lumat \u00fc\u00e7\u00fcn bildirim ki, \u201cGoogle Pay\u201d d\u00fcnyan\u0131n yaln\u0131z 45 \u00f6lk\u0259sind\u0259 t\u0259tbiq edilib v\u0259 bu \u00f6lk\u0259l\u0259r aras\u0131nda Az\u0259rbaycan\u0131n yer alma\u011f\u0131 bank sektorumuzun u\u011furu kimi qiym\u0259tl\u0259ndirm\u0259k olar. Daha sonra d\u00fcnyada ilk olaraq \u201cWolt\u201d \u015firk\u0259ti il\u0259 \u0259m\u0259kda\u015fl\u0131q \u00e7\u0259r\u00e7iv\u0259sind\u0259 biz bank kartlar\u0131n\u0131n \u00e7atd\u0131r\u0131lmas\u0131n\u0131 h\u0259yata ke\u00e7irm\u0259y\u0259 ba\u015flad\u0131q. M\u00fc\u015ft\u0259ril\u0259r h\u0259m Birbank-dan v\u0259 sayt\u0131m\u0131zdan, h\u0259m d\u0259 \u201cWolt\u201d t\u0259tbiqi daxilind\u0259ki marketpleysd\u0259n kart sifari\u015f ed\u0259 v\u0259 sifari\u015f an\u0131ndan sonrak\u0131 1 saat \u0259rzind\u0259 \u00e7atd\u0131r\u0131lma il\u0259 kartlar\u0131n\u0131 \u0259ld\u0259 ed\u0259 bilirl\u0259r. Qeyd edim ki, kartlar da, \u00e7atd\u0131r\u0131lmas\u0131 da tam olaraq pulsuz t\u0259qdim olunur.
Paralel olaraq bank xidm\u0259tl\u0259rinin inkluzivliyinin art\u0131r\u0131lmas\u0131 \u00fc\u00e7\u00fcn b\u00f6y\u00fck market \u015f\u0259b\u0259k\u0259l\u0259ri, ticar\u0259t m\u0259rk\u0259zl\u0259ri v\u0259 partnyor ma\u011fazalar\u0131nda \u00f6d\u0259ni\u015f kartlar\u0131n\u0131n sat\u0131\u015f\u0131na ba\u015flad\u0131q. Kartlar\u0131n d\u0259y\u0259ri 1 AZN t\u0259\u015fkil edir, kart eynil\u0259\u015fdirildikd\u0259n sonra \u00f6d\u0259nil\u0259n 1 AZN kart balans\u0131na geri qaytar\u0131l\u0131r. Bel\u0259likl\u0259, m\u00fc\u015ft\u0259ril\u0259rin vaxt\u0131na q\u0259na\u0259t etm\u0259k m\u0259qs\u0259dil\u0259 banka getm\u0259d\u0259n Birbank kartlar\u0131n\u0131 \u0259ld\u0259 etm\u0259k \u00fc\u00e7\u00fcn 2 innovativ h\u0259ll vard\u0131r: \u201cWolt\u201d t\u0259tbiqi d\u0259 daxil olmaqla onlayn sifari\u015fl\u0259 1 saat \u0259rzind\u0259 \u00fcnvana \u00e7atd\u0131r\u0131lma v\u0259 ya market\u0259 yaxud mola ged\u0259n zaman x\u00fcsusi stendl\u0259rd\u0259n bank kart\u0131n\u0131 \u0259ld\u0259 etm\u0259.
Daha bir yenilik \u2014 son zamanlar, x\u00fcsus\u0259n d\u0259 \u201cCOVID-19\u201d pandemiyas\u0131 d\u00f6vr\u00fcnd\u0259, m\u0259\u015fhurla\u015fan onlayn ma\u011fazalar\u0131n topla\u015fd\u0131\u011f\u0131 \u201cUmico Market\u201d platformas\u0131n\u0131n Birbank-a inteqrasiyas\u0131d\u0131r. Art\u0131q m\u00fc\u015ft\u0259ril\u0259rimiz Birbank-dak\u0131 \u201cUmico Market\u201d-d\u0259n 160 mind\u0259n art\u0131q \u00e7e\u015fidd\u0259 t\u0259qdim edil\u0259n mallar\u0131 h\u0259m kredit\u0259, h\u0259m d\u0259 na\u011fds\u0131z \u015f\u0259kild\u0259 \u0259ld\u0259 ed\u0259 bil\u0259rl\u0259r. B\u00fct\u00fcn al\u0131nan mallar n\u00f6vb\u0259ti g\u00fcn \u0259rzind\u0259 kuryerl\u0259rl\u0259 m\u00fc\u015ft\u0259ril\u0259rin \u00fcnvanlar\u0131na \u00e7atd\u0131r\u0131l\u0131r.<\/p>\n\n\n\n

D\u0259yi\u015fiklik m\u00fc\u015ft\u0259ril\u0259r t\u0259r\u0259find\u0259n nec\u0259 qar\u015f\u0131land\u0131?<\/p>\n\n\n\n

\u00c7ox m\u00fcsb\u0259t. Qeyd edim ki, m\u00fc\u015ft\u0259ril\u0259rin \u0259sas\u0259n r\u0259q\u0259msal bank\u00e7\u0131l\u0131q, mobil t\u0259tbiql\u0259r v\u0259 bu kimi dig\u0259r vasit\u0259l\u0259rd\u0259n g\u00f6zl\u0259ntil\u0259ri \u00e7ox y\u00fcks\u0259kdir. Bildiyiniz kimi, son ill\u0259r \u0259hali \u201cWhatsApp\u201d, \u201cFacebook\u201d, \u201cTelegram\u201d, \u201cInstagram\u201d, \u201cUber\u201d, \u201cBolt\u201d, \u201cWolt\u201d, \u201cWaze\u201d, \u201cTikTok\u201d v\u0259 d\u00fcnyaca m\u0259\u015fhur dig\u0259r t\u0259tbiql\u0259rd\u0259n geni\u015f istifad\u0259 edir. Bu da bizim \u00fc\u00e7\u00fcn \u0259lav\u0259 m\u0259suliyy\u0259t yaratmaqla yana\u015f\u0131, d\u00fcnya trendl\u0259rin\u0259 \u00e7atmaq \u00fc\u00e7\u00fcn yenilikl\u0259ri t\u0259qdim etm\u0259y\u0259 z\u0259min yarad\u0131r. T\u0259vaz\u00f6karl\u0131qdan k\u0259nar olsa da, qeyd edim ki, m\u00fc\u015ft\u0259ril\u0259rd\u0259n, sosial \u015f\u0259b\u0259k\u0259 istifad\u0259\u00e7il\u0259rind\u0259n m\u00fcsb\u0259t fidb\u0259kl\u0259r almaq bizi \u00e7ox sevindirir. H\u0259tta b\u0259z\u0259n h\u0259r-hans\u0131 bir yeni funksiyan\u0131 t\u0259tbiq etm\u0259yin zaman\u0131n\u0131n yeti\u015fm\u0259sini d\u0259 m\u0259hz bel\u0259 fikirl\u0259rin say\u0259sind\u0259 \u00f6yr\u0259nirik.<\/p>\n\n\n\n

Birbank istifad\u0259\u00e7il\u0259rini g\u0259l\u0259c\u0259kd\u0259 hans\u0131 yenilikl\u0259r g\u00f6zl\u0259yir?<\/p>\n\n\n\n

T\u0259bii ki, bazarda olan liderliyi qorumaq, h\u0259m\u00e7inin m\u00fc\u015ft\u0259ri m\u0259mnuniyy\u0259tini art\u0131rmaq \u00fc\u00e7\u00fcn yenilikl\u0259rin t\u0259tbiq edilm\u0259si olduqca \u00f6n\u0259mlidir. Haz\u0131rda g\u00fcnd\u0259lik \u0259m\u0259liyyatlar\u0131n apar\u0131lmas\u0131 \u00fc\u00e7\u00fcn daha \u00e7ox imkanlar\u0131n t\u0259tbiq edilm\u0259si \u00fcz\u0259rind\u0259 i\u015fl\u0259r apar\u0131l\u0131r. Yeni \u00e7at-botun t\u0259qdimat\u0131, video verifikasiya funksiyas\u0131n\u0131n daha \u00e7ox xidm\u0259tl\u0259ri \u0259hat\u0259 etm\u0259si, g\u00fcnd\u0259lik x\u0259rcl\u0259rin analitikas\u0131, daha asan v\u0259 ayd\u0131n interfeys v\u0259 bu kimi dig\u0259r yenilikl\u0259rin t\u0259qdimat\u0131 g\u00f6zl\u0259nilir. Burada bir vacib m\u0259qam\u0131 x\u00fcsusi olaraq qeyd etm\u0259k ist\u0259rdim. Biz h\u0259r-hans\u0131 bir yeniliyi, ist\u0259r yeni interfeysi, ist\u0259rs\u0259 d\u0259 \u0259lav\u0259 funksional\u0131, t\u0259tbiq etm\u0259zd\u0259n \u0259vv\u0259l m\u00fc\u015ft\u0259ril\u0259rin i\u015ftirak\u0131 il\u0259 x\u00fcsusi fokus-qruplar t\u0259\u015fkil edirik. Bu fokus-qruplar yenilikl\u0259ri test etm\u0259y\u0259 v\u0259 m\u00fc\u015ft\u0259ril\u0259rin ist\u0259kl\u0259ri n\u0259z\u0259r\u0259 alma\u011fa imkan yarad\u0131r.<\/p>\n\n\n\n

\u018fvv\u0259ll\u0259r ham\u0131 t\u0259r\u0259find\u0259n sevil\u0259n, \u00f6lk\u0259nin taksit bazar\u0131n\u0131n 65%-ni \u0259hat\u0259 ed\u0259n BirKart da Birbank kart\u0131 olaraq ad\u0131n\u0131 v\u0259 dizayn\u0131n\u0131 d\u0259yi\u015fdi. Yeni kartlar \u0259vv\u0259lkil\u0259rd\u0259n n\u0259 il\u0259 f\u0259rql\u0259nirl\u0259r?<\/p>\n\n\n\n

Birbank kartlar\u0131n\u0131n bir s\u0131ra \u00fcst\u00fcnl\u00fckl\u0259ri var. Birbank Cashback kart\u0131 sahibin\u0259 ikiqat \u018fDV bonusu, kartda olan qal\u0131q m\u0259bl\u0259\u011f\u0259 illik 6% g\u0259lir, na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259rd\u0259 1,5%-d\u0259n 30%-d\u0259k ke\u015fbek, Birbank daxilind\u0259 kommunal, mobil v\u0259 stasionar rabit\u0259, Internet v\u0259 TV \u00f6d\u0259ni\u015fl\u0259rind\u0259 is\u0259 1% ke\u015fbek qazand\u0131r\u0131r. Birbank Cashback debet kartlar\u0131 il\u0259 \u00f6lk\u0259nin b\u00fct\u00fcn bankomatlar\u0131ndan 5000 AZN-d\u0259k v\u0259sait na\u011fdla\u015fd\u0131rark\u0259n v\u0259 \u00f6lk\u0259daxili ist\u0259nil\u0259n bank kart\u0131na pul k\u00f6\u00e7\u00fcr\u0259rk\u0259n he\u00e7 bir komissiya haqq\u0131 tutulmur. Birbank taksit kart\u0131 istifad\u0259\u00e7il\u0259ri 63 g\u00fcn\u0259d\u0259k g\u00fcz\u0259\u015ft m\u00fcdd\u0259tind\u0259n yararlana bil\u0259rl\u0259r. H\u0259m\u00e7inin m\u00fc\u015ft\u0259ril\u0259rimiz \u00f6lk\u0259 \u00fczr\u0259 say\u0131 11 000-\u0259 yax\u0131n olan partnyor ma\u011fazalarda m\u00fcxt\u0259lif kampaniya, aksiya v\u0259 endiriml\u0259rd\u0259n faydalana bil\u0259rl\u0259r.
R\u0259q\u0259ml\u0259r onu g\u00f6st\u0259rir ki, aktiv Birbank Cashback kart\u0131 istifad\u0259\u00e7il\u0259ri ay \u0259rzind\u0259 bonuslardan ortalama 50 manat pul qazan\u0131rlar. Sentyabr ay\u0131 \u0259rzind\u0259 Birbank-l\u0131lar \u00fcmumilikd\u0259 1,7 milyon manat ke\u015fbek \u0259ld\u0259 edibl\u0259r. Bu m\u0259bl\u0259\u011fin t\u0259xmin\u0259n 90 000 manat\u0131 Birbank vasit\u0259sil\u0259 kommunal, mobil v\u0259 stasionar rabit\u0259, Internet v\u0259 TV \u00f6d\u0259ni\u015fl\u0259rind\u0259n qazan\u0131lan 1% ke\u015fbekl\u0259rin pay\u0131na d\u00fc\u015f\u00fcr. \u00d6t\u0259n ay bu kartlar vasit\u0259sil\u0259 edil\u0259n \u00f6d\u0259ni\u015fl\u0259rd\u0259n qaytar\u0131lan \u018fDV-nin \u00fcmumi h\u0259cmi is\u0259 105% art\u0131b v\u0259 t\u0259qrib\u0259n 230 000 manat t\u0259\u015fkil edib.<\/p>\n\n\n\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Kapital Bank-\u0131n Birbank Sah\u0259sinin lideri Zakir Xanm\u0259mm\u0259dov: \u201cR\u0259q\u0259msal h\u0259ll\u0259rin \u0259hali t\u0259r\u0259find\u0259n k\u00fctl\u0259vi istifad\u0259si bizim m\u0259suliyy\u0259timizi daha da art\u0131r\u0131r\u201d Bu g\u00fcn r\u0259q\u0259msalla\u015fma Az\u0259rbaycanda dem\u0259k olar ki, he\u00e7 bir f\u0259aliyy\u0259t sah\u0259sind\u0259n yan ke\u00e7m\u0259yib. D\u00f6vl\u0259t qurumlar\u0131ndan tutmu\u015f \u00f6z\u0259l…<\/p>\n","protected":false},"author":2,"featured_media":4009,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41,4],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3975"}],"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=3975"}],"version-history":[{"count":2,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3975\/revisions"}],"predecessor-version":[{"id":3982,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/posts\/3975\/revisions\/3982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=\/wp\/v2\/media\/4009"}],"wp:attachment":[{"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rockvell.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}